BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-01
Company: Mobiloans, LLC
State: CT
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I recently received a statement from a collection company ( XXXX XXXX XXXX ), attempting to collect on an {$800.00} outstanding loan, on behalf of a company called " Mobiloans ''. Knowing that I have never applied, nor received any funds from such company, I called Account Discovery System and spoke with account manager " XXXX XXXX '' to discuss the matter. After discussing with him the details of the situation and letting him know that I have never established any lending relationship with " Mobiloans '' ; finding it extremely suspicious that I have never even received any statements or attempts from the company itself, trying to collect on the " supposed loan '' and that it was sent straight to collections. Without any regards to me discussing this " non-existing '' loan, he attempted to try to settle this {$800.00} balance, for {$500.00} if I 'd pay right away. At this point I was not even aware for whom this collections company was trying to collect ; therefore I asked him for the name and details of the company, so I can attempt to gather all the facts. He provided the company name " Mobiloans '' with the corresponding account number and contact number. After speaking to a " Mobiloan '' representative about the situation, she was " NOT '' able to find any account information relating to any loan taken under my name, social security number, telephone, address ; stating very clearly that " Mobiloans '' has " never '' established any accounts with me. The representative that helped me, was the very same one that suggested and directed me on where and how to place a fraud complaint. " XXXX XXXX XXXX '' is ignoring what I have stated, insisting on " settling '' this " non-existing '' loan for a lower amount.

Company response to consumer: Untimely response
Consumer complaint received 2015-12-11
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was original with XXXX XXXX this is where I received a loan modification with my first payment beginning XX/XX/XXXX at {$760.00}, I made all three payments on time. Suddenly my loan was transferred to Ocwen where they made me apply again and again. 
On XX/XX/XXXX, I received a letter from Ocwen stating that they have received all my documents, yet they have not given me a loan modification have struggled to keep this home for my family. Now I have a letter from OCWEN dated XX/XX/XXXX, stating my investor Trustee of XXXX Securitization Trust Series XXXX does not participate in HAMP. First of all I never received any such notice of a transfer, additionally, I was already approved and paying for a loan modification. I do n't know if my trustee is the same as it was when I was with XXXX or has it changed, again, no notice.

Company response to consumer: Closed
Consumer complaint received 2017-03-29
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is a complaint for Tcf Bank I have never met a group of unorganized individuals. I feel like they are trying to get over on me. I had a debt with them from XX/XX/XXXX I paid the debt off in full in XX/XX/XXXX and in exchange I was promised that they would removed the fraud alert from my name in XXXX and to this day they have not removed it yet. I call them everyday I call the Tcf Bank in XXXX Illinois and they told me to call back I call them back and get told to call back again. This is the worst experience ever. I just want this fraud alert to be removed from name so that I can acquire a new account this has been going on for a few years now. I have proof of the receipt that the debt has been paid in full which I will attach to this complaint. Please resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called XXXX and Experian to remove accounts from dispute status and remove dispute comments on XX/XX/22. Associates at both credit bureaus told me that they do not see the dispute comments under my XXXX XXXX XXXX account ( see last page of attached ), but when I print out my credit report, the comments are clearly there. This error on my report is preventing me from obtaining a mortgage, lenders do not like to see accounts in dispute status. The XXXX XXXX XXXX account should not have any disputes on it, and both credit bureaus are telling me that there is nothing they can do to fix this error.

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 non-monetary relief
Consumer complaint received 2016-09-26
Company: BB&T CORPORATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bought a XXXX program and linked it to my bank account. I did not download from the acct. Beginning in XX/XX/2015 I began getting OLB service fee charges of {$7.00} per month. When I called XX/XX/XXXX, BB & T said it was a XXXX issue and XXXX was charging the fee. Later I learned it was BB & T. To make a long story short I have had service fee charges nearly every month since XX/XX/2015. I have had to call each month and get a refund. In XX/XX/XXXX, I was told to change my username and password. I did and I have had charges XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So I still have to take the time to call and be placed on hold and go through my story and request a refund. If I had not been vigilant about reviewing my account and persistent about requesting a refund, BB & T would have taken this money from me. I am certain they are doing this to others. I do not use the XXXX download service and the account is not linked. There is no basis for these charges as BB & T acknowledges but they continue to charge me.

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 2017-04-01
Company: ACS Education Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have made extra monthly payments to my Federal XXXX for the past few years since XX/XX/2014 and have recently went through all of my statements and realized the extra monthly payments are not being applied to the principal balance of my loan. 
In turn, I am paying more in interest and my balance is not decreasing accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: National Processing Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XXXX/XXXX/16, I received a phone call on my personal cell from XXXX XXXX with National Processing in regards to a checking a credit reference for a gentleman named XXXX XXXX I did n't know personally. I indicated that I was not sure who she was talking about and I was not vouching for someone I did n't know or had given permission to use me as a reference. I indicated to XXXX XXXX that me being listed as his reference could be a mistake because my son, who shares the same first and last name with me, did have a friend who I vaguely remember under a similar name but I was n't sure. How he got my cell number is unknown to me. But she acted as if I was blowing her off and told me in a nasty voice that I should n't let people list me as a reference then! I asked her not to call me again regarding this again and hung up. Today on XX/XX/2016 at XXXX, XXXX XXXX calls me back on my cell and leaves a message for me to return her call by XXXX today regarding a check case with XXXX XXXX XXXX or the case would be turned over to the XXXX County DA and I would be deposed for a deposition regarding his case. So I immediately called back and opened the conversation by stating my name and I was returning her call and gave her the case number upon request which she left on the message. She then asked if this was me and I indicated that I just told you my name at the top of the conversation so why are you asking again? She responded angrily that I was getting smart with her and did not have to deal with me. I called back and she hung up on me. I called back and another lady answered and I asked her to nicely tell XXXX XXXX that I am not associated with XXXX XXXX and to please not call me and that I would be filing a complaint. She said she would. My complaint is that the company 's tactics are unethical and unruly to contact me and falsely make me think that they were initially checking a credit reference and yet they are really a collection agency. I have clearly asked this company to stop calling and harassing me over this man 's account and yet they still persist in doing so. I want this harassing action to cease and take whatever action against this company that the law allows. Thank you!

Company response to consumer: Untimely response
Consumer complaint received 2016-02-01
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made additional payments on my loan every month since origination, yet it still shows the maturity date as XXXX 2022. I believe my maturity date should recognize the thousands of dollars I have paid in additional principal and reflect an updated ( and reduced ) maturity date when I look at my loan information on the company 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Bryant, Hodge & Associates LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This person who calls himself " XXXX XXXX '' from Bryant, Hodge and Associates claims to have my social security number from my employer and is very belligerent and uses very abusive language. I 've told them several times to stop calling me and send me a letter verifying the information and they refuse and just keep calling me

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: Capital Management Services, LP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received two letters and they both were dated for XX/XX/2017 from XXXX different collection companies. I made an settlement agreement with Capital Management Services, L.P., but decided not to pay because one letter state XXXX XXXX XXXX out of XXXX, SC and the second letter was from Capital Management Services out of XXXX Ny and both list XXXX as the owner. On my credit report XXXX XXXX services and XXXX XXXX XXXX are both reported. Please confirm whom is the correct collection of this debt. The original owner was XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In the last XXXX months, Nationstar has incorrectly applied 2 of my 4 mortgage payments. Instead of applying my payments as directed, they have simply taken the whole amount and applied to principal only, essentially forcing me to make a secondary mortgage payment for the SAME month. The first time this happened was for the XXXX XXXX payment. I paid it early, XX/XX/XXXX, in an attempt to budget for XXXX, holidays, etc. Upon discovering it, I believed that somehow it was my mistake and that I paid XXXX XXXX 's payment too early ( i.e. in XXXX instead of XX/XX/XXXX ) so I did not investigate the matter further at that time. However, this has happened again for the XXXX XXXX payment. On XXXX XXXX XXXX, I paid XXXX XXXX payment which was processed correctly. Per statement dated XXXX XXXX the next payment was due on XXXX XXXX XXXX. On XXXX XXXX XXXX, I paid XXXX XXXX payment. This payment was not applied as directed. On XXXX XXXX XXXX, I was attempting to pay XXXX XXXX payment but discovered that according to Nationstar my XXXX payment was outstanding and overdue. Therefore my intended XXXX XXXX XXXX payment was accepted and applied to XXXX XXXX, i.e. Nationstar demanded payment for XXXX XXXX XXXX mortgage in XXXX consecutive month statements. This is an unacceptable violation of the Homeowners Protection Act to be billed TWICE. I have all the back-up for the statement dates and the payment allocations which were not done as indicated. There is absolutely no mistake on what I was making payment for or where I was allocating the monies so their practices are deceptive and fraudulent. It appears as though Nationstar is illegally trying to effect payment default on my loan to begin loan modification processes. I have contacted Nationstar, specifically XXXX XXXX, to correct the matter but to date, they have refused to comply and also refused to provide information of Department Manager so that I may escalate the urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX, 2016 I received the attached FHA Pre-Approval letter from XXXX XXXX of Quicken Loans for {$110000.00} of a Home for Sale Purchase Price of {$120000.00}. Her cell number is XXXX. I signed a Sales Contract, at that time, for a home @ XXXX, XXXX, OK through my realtor XXXX XXXX @ cell phone ( XXXX ) XXXX. 
I then paid the Title and Abstract Company $ XXXX. XXXX XXXX, 2016 I received a phone call from XXXX XXXX, advising that she could not pre-approve my home loan for {$110000.00} but for only {$95000.00} which is {$20000.00} less than her XXXX XXXX, 2016 pre-approval letter. This is FRAUD regarding this FHA Quicken loan. XXXX XXXX 's Licensed in State of Oklahoma is NMLS # XXXX I had already advised my apartment manager of my ending my lease XXXX XXXX, as the Title and Abstract Company scheduled the home purchase closing for that date. What can you do to correct this matter so the XXXX/XXXX/2016 Pre-approval letter for {$110000.00} is my home loan amount? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
While shopping for a loan I spoke with many lenders to try and find the best rate and fees for my refinance. Guaranteed Rate received an application over the internet from me, but I made it clear I was not moving forward with their firm. Every day I receive an application package to sign and so does my wife. The first instance was well after I first entered our family 's information and had already chosen another lender. We now receive daily prompts to sign our application and full initial disclosure package. This was very confusing and misleading at first. Now, it is a nuisance. 
Guaranteed Rate did not receive my business because they did not have a clear fee structure. What they promised online was not was I received on an initial cost estimate and the loan officer never placed the updated fees promised in an email on paper. She only asked if I was ready to lock today. When I said no, that 's when the application links began. 
I believe this is there strategy to coerce applicants to come back to them, but badgering them with applications after they have passed in hopes they catch the XXXX of XXXX that may come back. I emailed the loan officer and the individual sending the link to stop and remove my file. This has not happened. 

It is a nuisance. It is confusing to borrowers. It is a problem that they are not solving themselves by ending the constant emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX keeps reporting an auto account that has been discharged in bankruptcy, which I have disputed more than once, among other accounts. Furthermore, my score has dropped XXXX points for no apparent reason and is inconsistent with the other XXXX major credit reporting agencies, XXXX and Experian, by about XXXX points. Also, they report things that are old enough to be removed at this point. I filed bankruptcy in XX/XX/XXXX and in XX/XX/XXXX my old debt was discharged. I have only two credit cards at present, both of which have consistently been pain on time. I would like XXXX credit reporting on my account to be investigated, because my they are seriously impacting my credit score in a negative way while I have been working diligently to repair it.

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 2017-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America sold my mortgage in XX/XX/XXXX. XXXX ultimately took on my home mortgage in XX/XX/XXXX and they modified the loan in XX/XX/XXXX. Bank of America continues to report my loan as delinquent in XX/XX/XXXX even though they sold the loan in XX/XX/XXXX. Since my modification, I have had stellar payment history only to have my credit ruined by Bank of America 's practices. I have disputed this several times with BofA through online disputes, only to have them not correct the issue and continue to report incorrectly. My husband is a fully retired XXXX vet and due to this error on BofA 's part, we were denied a VA mortgage loan.

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 2016-06-22
Company: Pinnacle Asset Management, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The Pinnacle Asset Group is calling threatening to file with the irs for a debt that is 15 years old- they also went as far as to look up our other numbers and contacted my son to make the threat towards his father and I. This is harassment to the fullest. This company has been sued for this same issue there are also so many complaints.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-13
Company: Manhattan Beach Venture, LLC
State: GA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Upon Gradutiong from XXXX XXXX XXXX University I had signed up with a program called " The Student Loan Relief Department '' and was under the impression that all of my loans would be consolidated by joining : in which I was 1st asked to make a payment of {$240.00} by XXXX/XXXX/2016, but in which was taken out of XXXX XXXX Account on XXXX/XXXX/2016 in which I did in a signed document in which I received several " fail to sender notifications '' & that it was signed incorrectly. and a later payment of {$240.00} as well all totaling up to XXXX. Afterwards I contacted my bank as stated and they tryed looking into where the {$240.00}. During the process in between the wait time of the 1st payment until now, I heard negative things about doing so, thus I contacted FAFSA, Navient and several Federal Govenment Aid programs asking about the whole process in which I was looking to get completed. Shortly after doing so I 'd realized that things just did n't quite match up and had serval hard times contacting the company & speaking with an Agent/Representative, at times I was able to do so, but not as often as I 'd like to secure become 100 % comfortable with my decision. It never seemed to be enough though, so I recently tryed backing out of the program or at least stop the process for a brief period of time until I could gather myself and get all of the information needed upon doing my research until that point, in which as stated I 'd done so ; sadly though I was told that program did n't offer a refund in regard to all the research they 'd supposedly do n't in locating my info to further the process. Overall thus is has occurred to this current date XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Carter-Young, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do not owe this company. I have never received any notice from Carter- Young Inc , verifying that I owe them money. I 've never had any dealings with Carter-Young.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: USI Solutions Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In 2012 XXXX installed a security system that never worked properly. It was " repaired '' and failed again a day later. After many calls, we cancelled their service for non performance. They were sent certified letters detailing the issues and explaining that we would not pay for something that did not work. 
They have now sent this to a XXXX or XXXX collections company and I have to explain the issues repeatedly. Now USI solutions is calling and sending letters after about 2 years of no contact at all. Their rep is very aggressive and nasty even after I explained the problems with the XXXX. 
USI Solutions XXXX, PA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Discover credit card has an unauthorized charge. The card is lost. I mailed a charge back letter to discover, but till date discover has done nothing. The content of the letter is as follows : XXXX DiscoverBankChargeDispute DiscoverBankGeneralCorrespondence XXXX XXXXXXXX XXXX XXXX, XXXX Re : XXXX Name : XXXX XXXX, XXXX, XXXX, XXXX Email : XXXX XXXX Phone : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Merchant : XXXX XXXX _________________________________________________________________________________ XXXX, XXXXXXXX XXXXFurthermore, XXXX XXXX : XXXX XXXX, XXXX XXXX. Note : XXXX ( XXXX  ) XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation