BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-07
Company: PNC Bank N.A.
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC Mortgage Company withdrew funds from my account on a date prior to the date I agreed to on an online electronic funds transfer form. I received no online confirmation of my choice of payment options. 

When I requested that the funds be restored to my account I have was asked to provide a statement from the bank stating that the transaction was guaranteed. I did so. Funds were not restored to my account. 

When I called to inquire about the issue, since no one from the company contacted me to let me know there was a problem I was told all supervisors were unavailable until the close of business on the next day. 

The problem as I see it is that their online interface is faulty and did not allow me to choose the date I desired, instead reverting to their preferred date. I tried to correct this at the time I noticed the funds were absent from my account and still the selection reverted to their preferred date. A customer service rep had to change the date herself because my attempts did not work. 

I have been given the run around and still no restitution of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been trying to obtain a car loan for almost 4 months. The car loan company pulls Equifax. When they pulled my Equifax report, the finance manager said my score was XXXX and I had not XXXX open account on my Equifax report. I called Equifax 7 times and after sending my ssc card and picture Id. Equifax told me I have too many accounts and that there were XXXX partisans to my report. XXXX with a lot of accounts and XXXX that apparently the car dealerships were seeing. Equifax took not fault to this and said the creditors need to report better, there was nothing they could do. Well, I have called all the creditors and they have been reporting to Equifax. All the creditors said they are reporting to XXXX bureaus. I have noticed from alerts and services I am currently enrolled in with XXXX and XXXX, that they ARE getting the creditor info and doing their job by reporting it. EQUIFAX IS NOT!! Equifax is not fixing this, so I called once more and still NOTHING.I would appreciate you doing anything you can to get this mix up straight. All I want is for Equifax to do their job. It is that simple

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Ashfield Management Services Inc,
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Called me at work repeatedly an on my cell phone. Threaten to take serve me at home and my place of work. I do n't think that a small claims has been filled. Lots of scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Stearns Ventures, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Stearns Lending LLC took over my mortgage from XXXX in XXXX 2015. On XXXX XXXX 2015 my loan balance was {$250000.00} and aI sent a wire in the amount of {$240000.00} leaving a balance of {$15000.00} on the mortgage. Today I called the service rep at Stearns lending - expecting that my payments would be reduced significantly commensurate with the pay down. Instead the Supervisor XXXX XXXX in Custom Service said my payments would continue to be {$1700.00} per mo as they were before the PAY Down - saying further that {$1000.00} f that would be interest. These does not smell right or seems right to me. At all. 

Further she went on to demand that i pay {$300.00} for a RECALC fee - in ordere for themn to reduce the paymemnt amount. {$300.00} fee on a $ XXXX balance - which I could easily pay off today - seems ridiculous - esoecially in light of the large pay down I just made and seems userious and FEE Execessive. The interest demand of {$1000.00} can not possible be justified on teh {$15000.00} balance at 3 % interest rate. 

My intent is not to drag out this mortgage more by to pay it off within a few months as a matter of convenience. I do dnot expect to pay a {$300.00} reclalc fee and beieve this violates Federal Law and the large Interest payment demand of {$1000.00} seems usurios and excessive and wrong and ust vilate many federal Lending laws - and if they are treating me this way with the excessive feeds and interest after such a huge Pay down - they must be also doing this to many XXXX of naive consumers as well This is wrong. There should be no fee for any recaclulation and the payments should automatically be adjusted at 3 % on the balance remaining. 

I believe Stearns Lending LLC is in violation of Federal laws here and abusing COnsumer Lending practices. Stearns ending XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The following company listed below is calling and threatening to file suit on a debt that is not owed. They claim they are collecting on behalf of HSBC and are attorneys, when they clearly are not a law firm. They use threatening language and clime they do not need to abide by the FDCPA. Clearly, serious action must be taken against this firm. 

XXXX XXXX XXXX XXXX, XXXX AKA XXXX AKA XXXX 
Posted in : XXXX XXXX XXXX Web site lists the address in Florida : XXXX This place is also using the same address : XXXX XXXX gives them a D+ with XXXX complaint : XXXX XXXX is not registered with the Florida Dept. of Financial Regulation as a collection agency which means they are illegally operating as a debt collector. 
XXXX. XXXX says they are only in business since XXXX XXXX, XXXX which means they have been trying to steal money right from the start : XXXX XXXX XXXX XXXX, XXXX Filing Information Document NumberXXXX XXXX/XXXX XXXXE Date XXXX Effective XXXX StateFL StatusACTIVE Last EventXXXX XXXX Event Date XXXX Event Effective DateNONE Principal Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Registered Agent Name & Address XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX Authorized Person ( s ) Detail Name & Address Title XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Here is the XXXX info for their web site : XXXX XXXX XXXX Updated XXXX second ago - Refresh Domain Name : XXXX XXXX : XXXX 
Sponsoring Registrar XXXX ID : XXXX XXXX Server : XXXX Referral URL : XXXX : XXXX Name Server : XXXX Name Server : XXXX Status : clientTransferProhibited XXXX Updated Date : XXXX Creation Date : XXXX Expiration Date : XXXX medicalinvestigations.com registrar XXXX Updated XXXX second ago Domain Name : XXXX Registry Domain ID : XXXX Registrar XXXX Server : XXXX XXXX URL XXXX Updated Date : XXXX Creation Date : XXXX Registrar Registration Expiration Date : XXXX Registrar : XXXX 
XXXX XXXX ID : XXXX XXXX Contact Phone : XXXX Reseller : Domain Status : clientTransferProhibited XXXX # clientTransferProhibited Registry Registrant ID : Registrant Name : XXXX 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX : XXXX : XXXX XXXX XXXX : PA XXXX XXXX XXXX : XXXX Registrant Country : US Registrant Phone : XXXX Registrant Phone Ext : Registrant Fax : XXXX Registrant Fax Ext : Registrant Email XXXXXXXXXXXX Registry Admin ID : Admin Name : Support, Technical Admin Organization : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Bepensa Capital, Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
i recieved an auto loan from afs acceptance and in XX/XX/2016 i totaled that car in which i did not have gap insurance on and now they call me everyday demanding payment that i can not afford the auto insurance did pay a potion of the loan. they also send me text messages and the tell me they are going to take me to court and garish my wages and if they can not get ahold of mme they call my daughter and aunt and they have also called friends of mine. I explained to them that i am in finanical hardship and can not afford to pay what they want. they have also asked told to give them debit card numbers so they can take the payments when they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX were in XXXX XXXX XXXX XX/XX/XXXX. I was on my way to work at the XXXX there at the time. The gentleman stopped me to talk about the XXXX ONE MONTH FREE TRIAL. I told him I could not afford the membership and he then explained it 's completely free ; I do n't have to pay anything and I wo n't be eligible for a membership unless I sign up for the membership AFTER the trial. I thought I was signing a waiver to the ONE FREE TRIAL and the free T-Shirt. 

They began to charge me and I had never made it into the gym. I called, emailed, sent letters to this gym expressing my concerns and how do I get this off of my credit report. There was no help or solutions. I had been scammed into this debt trap. I am still facing hard times : no food in my home because I can not afford them ( nor can I receive food stamps ), my rent is becoming late, I have classes and student debt to pay for, utilities is coming up late, I am a ten month employee with no current income, XXXX not receiving any benefits or assistance and I am a single adult trying to survive on my own. The last thing I can afford to pay is a gym membership for a gym I hardly ever used and that scams innocent people into signing debt collection contracts. 

This debt was sent to a collection agency and which of course has negatively affected my credit score. Unfortunately, the credit bureaus and its partners are in the business of crippling Americans and eating away at the lower class to stay in debt. I can not afford any of this. I have XXXX and XXXX due to my financial crisis. I had to even file for Bankruptcy back in 2013. This third party continues to call and harass me for a payment in full. I am pleading with them to for a payment plan or a freeze or something so I can try to pay and possibly help my credit report. However, First Credit Services foreign employees continue to call and offer no help. Both of their foreign countries and USA employees have been very displeasing and uncooperative. 

I need serious financial help. Who do I contact for help?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Phillips & Cohen Associates, Ltd.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receive calls from XXXX several times per day. I answer the phone and it is a computerized voice saying this is an attempt to collect a debt and to please wait while they connect me. Then the phone goes to a very fast beeping tone. I am never connected to anyone and then they hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Retrieval-Masters Creditors Bureau, Inc calling from ( XXXX ) XXXX is calling my cell a minimum of twice every single day including weekends. If I answer there is no person or message, I have no idea what these calls are referring to as my current credit report does not list them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am one of Wells Fargos auto loan customers and am wondering if I am eligible for the payout from their recent problems they had with the mismanagement of loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: BB&T CORPORATION
State: WY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am late on my Auto loan with Regional Acceptance Corporation ( Phone : XXXX ) www.regionalacceptance.com, They are calling several times a day, often before XXXX, and frequently back to back calls or 3-4 calls within 15 minutes of each other, in addition to emails, despite my having contacted them and making payment arrangements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an escrow account set up with my mortgage. I re-negotiated my homeowners insurance amount with my insurance company to a lower amount. A new declaration page was sent out showing the change. There was no bill. My mortgage company paid it as a bill. I can understand that mistake, but then two weeks later after paying that bill, a new insurance company sent a much higher bill for payment for XXXX XXXX and that was paid without my authorization! My homeowners insurance was paid up to date until XX/XX/XXXX so neither of those payments should have been sent out! I called them twice and they said they have no safeguard in place to protect our escrow accounts. If a bill comes, they pay it! I did not sign any change forms authorizing a different insurance company to bill my mortgage company. They pretty much said " oh well '' HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Borrower : XXXX XXXX XXXX XXXX Loan Number : XXXX BB & T Loan Number : XXXX Recorded Date : XXXX Principal Balance : XXXX address : XXXX XXXX XXXX, XXXX XXXX NC XXXX Rate : 7.250 % Current pre UPB XXXX, after Servicer mod UBP proposed to be XXXX Payment : XXXX/XXXX/2015 ; New Term : 480 months, maturity date XXXX request and concerns : Refer to attachments. Borrower was advised by servicer BB & T that HAMP, trial period offer was printed and sent in error. BB & T servicer then advised borrower and XXXX XXXX XXXX verbally on the phone that the original HAMP, TPP was an error. Offer was not mailed to correct the error. The borrower was advised over the phone to take what was verbally offered or the foreclosure would move forward. Be advised that no correction modification was mailed to the borrower per request from the borrower and no signature modification is recorded or on record. Be also advised that the borrower would have never been aware of the error had she never initiated the outbound call to the servicer to confirm the mailing address was correct to assure the servicer received the original HAMP TPP was received before the designated deadline. 

Per XXXX XXXX guidelines the borrower is requesting a fair review and a new trial period with the original offer of payment at {$0.00} identified as a forbearance period of 3 months, refer to the attachment and rate while this violation is under review and all workout options per waterfall as listed in attached XXXX XXXX directive are considered. The borrower also request a reduction to the current interest rate of 7.25 % to a rate of 2 % and term to 480 months. A complaint is currently filed and in review with the following financial agencies : Servicer BB & T ( servicer ) executive compliant department, Federal Housing Finance Agency, Consumer Finance Protection Bureau. We ask that XXXX and CFPB investigate and confer with XXXX XXXX XXXX investor XXXX the operation and servicer 's performance as a delegated entity on the behalf of XXXX XXXX. We suggest all loss mitigation timelines and foreclosure operation task be reviewed by a third party firm for designated servicer participation agreements, compliance and regulatory error. We ask that a random audit of servicer 's internal mailers be reviewed for more than one workout mailed to additional borrowers and not honored. This error flags servicer and investor violations and places borrowers at risk. Keep in mind this is one violation. There are XXXX if not more and by more than XXXX servicer. Feel free to contact, XXXX XXXX XXXX, and XXXX XXXX XXXX at XXXX XXXX ) XXXX, former senior mortgage XXXX consultant to XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
SPS is violating California State Law and Federal Law in the handling of my short sale for my property. 

Complaint # 1 - Denied Access to Relationship Manager. 
1. ) When I call SPS I have been repeatedly denied the ability to speak with my assigned relationship manager XXXX XXXX at XXXX. When I request to be transferred to her by the automated system I am sent to the Customer Service department. When I request the Customer Service representative to speak with XXXX XXXX I am told that she is not available. When I ask to leave her a message I am informed she does n't have voicemail and there is no way to reach her other than for the Customer Service representative to send her a task. Most Recently XXXX XXXX at XXXX denied me access to my Assigned Relationship Manager. 

Complaint # 2 - Violation of HAFA short sale timelines and intentional delays to defeat my rights to short sale my property. 
1. ) On XXXX XXXX I called for an update and was told that the short sale was on hold pending documentation clarifying the names between the listing agreement and the settlement statement. 
2. ) On XXXX XXXX I emailed the documentation to SPS which included an updated Settlement Statement, a copy of the Trust Documents clarifying the trustees and the grant deed showing the transfer from our personal names to our trust. 
3. ) On XXXX XXXX I called to make sure the documents were received and was told they had been received but not processed. 
4. ) At the end of the week of XXXX XXXX I called again and was told the Settlement Statement was reviewed but the other documents were not reviewed. 
5. ) On XXXX XXXX I called and was told that all documents had been reviewed and the file was complete and being reviewed by underwriting. 
6. ) On XXXX XXXX I called and was told that the short sale was denied on XXXX XXXX since the buyer had been changed and a new file would need to be created. The new buyer contract had been sent more than a month ago yet on none of the calls that I had placed in XXXX did anyone from SPS mention that I would need to create a new file. 
7. ) On XXXX XXXX I called SPS again and opened a new short sale file by speaking with XXXX XXXX. He also said that XXXX XXXX is going to call me back within XXXX hours. 

At this point after more than a month of SPS delays I am about to loose my XXXX buyer on this property. My XXXX buyer walked away after waiting 45 days for short sale approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan out with credit acceptation and I 'm being harass at XXXX to XXXX to XXXX at night i work XXXX and my boss told them she can not have personal phone calls unless their family issues .so the call any ways so he wrote them and had me signed it but we did n't make copies we just mail it off that no phone calls at work.now my loan is XXXX i been paying XXXX now a month came and i call to tell a manager i would be short i had XXXX he applied you have been in good status so theirs nothing he can do unless I 'm behind so i went paid the XXXX and i have all receipt so i stop paying XXXX and went back paying XXXX and now they telling me I 'm behind and adding late charges like no torrmow and calling all through the morning evening nights at work in bed in the shower I 'm getting a lady calling me threating me i got on a plan where i told them i will pay but i got laid off but i will pay them on the XXXX each month for {$410.00} and they get mad and angry so XXXX continue maying {$410.00} and this month on the XXXX i paid {$500.00} again and the bug me and bug me with private numbers and personal numbers and block numbers all times of mornings and evening and nights and recent today twice yesterday twice. Please help I 'm still paying just hard some time but I 'm still paying and now i have been ignore all calls but i pay faithful thanks, and on time i walk in all the time and i have all paper work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation