BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: Grain Technology, Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have sent requests in writing repeatedly for this company to remove the automatic payments. They send me an auto message that says they will get back to me within two business days. 
I never get a response. 
I have worked with my back and issued a stop payment. The company just changed the amount and sends it back. 
I get repeated emails saying my bank account is no longer associated then I get another right behind it saying its successfully added and they charge me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Prospect Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a IRRRL loan through CapWest Mortgage ( - A division of Prospect Mortgage located on XXXX XXXX XXXX XXXX XXXX, CA XXXX, Branch XXXX # : XXXX ) on XX/XX/2016. The loan officer convinced me that I would benefit from a Cash out Refinance to cover some of my debts instead of the IRRRL or streamline loan for which I had been approved on the spot based on my credit score. An appraisal was ordered for which i paid. I was told the appraisal amount and advised to sign the Acknowledgment of Receipt of Appraisal Report quickly so that they loan can be locked. This is not only strong arm tactics but I think the company owes me a copy of the appraisal report. 

Secondly, the company dragged my application from XX/XX/XXXX when I first contacted them till XXXX when my application was first submitted to their underwriters. In today 's market I can no longer get the kind of interest rates for which I was qualified ( 2.9 % ) XX/XX/2016. If my application was processed efficiently and denied accordingly, I could have had enough time to apply for a better rate with some other company before the rates went up. 

Thirdly, only XXXX credit agency was consulted before the underwriters rejected my application for a high debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please explain, in detail as the reason account number, XXXX ( current Caliber account number ) was listed on " Notice Of Sale Of Ownership Of Mortgage Loan '', " date of ownership being transferred, XXXX XXXX, 2015 '', with servicer listed as XXXX XXXX XXXX. Why was I instructed to pay, account number XXXX, to XXXX XXXX XXXX, through XXXX 2015, when attached, .pdf documentation, clearly states, account number, XXXX? 

What date, did your company acquire my account? What date did your company start servicing my account? Does your company act as the servicer, and Master servicer? Please provide to me the name ( s ), mailing address, and actual on site address, of servicer, and Master servicer, please. 

Also, please provide details, as to whom ordered BPO, dated XXXX/XXXX/2015. 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We received a payment for the purchase of insurance via American Express card, provided the services purchased, and nearly five months later the cardholder disputed the charge and AMEX deducted the full charge amount from our bank account, despite our providing clear evidence that the charge was valid and the services provided tot he cardholder. AMEX refuses to return the {$18000.00} that they took from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in urgent need of your help in this matter. I had a job transfer that has created a hardship for my family. We tried to do a modification with no success. We have been working with a realtor and after several months we finally found a buyer. This is a great offer and it was submitted to Capital One 's short sale department on XX/XX/XXXX, Which we have proof of. The short sale department for Capital One is claiming that they did not receive it until XX/XX/XXXX and that was within 30 days of the foreclosure sale date and denied the short sale. 

We have worked so hard to find a buyer in this hard market and to now be told that we did n't make the deadline because Capital One 's short sale department did n't open what we sent them until XX/XX/XXXX is crushing. We are simply asking for them to postpone the foreclosure sale date for 30 days to allow the review of the short sale. 

I have XXXX boys and XXXX that is in XXXX. It is XXXX time and I do n't want my family to be tossed out of our home right at XXXX. We have lived in this home for over 12 years and have had our struggles like everyone else. We just want the opportunity to be able to at least do a short sale. We are trying to reach out to any upper management at Capital One for help but this is going on deaf ears!!! 
Please Help!! 
God Bless!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is inaccurate and should NOT be even listed. I have a current good standing account with XXXX XXXX and prior have n't had any business with them for 7 years. I have disputed this item several times. This is a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a credit card debt that was settled since 2009. A judgement has been recorded. I have a satisfaction letter but Portfolio refuses to record the judgement satisfaction. I have told them that I was in the middle of selling my home and that I could not because of the lien recorded. They refuse to give me a timeline for when this can be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19
Company: FC HoldCo LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Did not ask for and do not want a Cap one credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery placed a lien on XXXX home. XXXX is deceased. The lien is related to a debt Portfolio Recovery purchased from XXXX XXXX XXXX. These credit card accounts do not appear as a trade line on XXXX credit report nor did they appear on any of her loan application for XXXX loans acquired AFTER these accounts were opened. XXXX XXXX is unable to provide ANY evidence that this debt belonged to XXXX XXXX i.e signed credit card application and credit card statements. XXXX was in her late XXXX at the time and had been XXXX. These lines of credit are totally inconsistent with her life long credit history. She NEVER was into credit cards. She was a miser and did not spend money frivolously or frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/2015 I closed on a home using a conventional mortgage loan with Wells Fargo. My loan started reporting to credit bureaus that no payment information is available until XX/XX/2015 but reported as a conventional mortgage loan. Then it changed my conventional mortgage loan to reporting as a regular loan so it looks as if I have a huge personal loan out. This does n't show that I have variety of loans so it 's not benefiting me at all with my credit. I disputed the situation for the date of payments not showing correctly because there is proof and information that can be reported before XX/XX/2015 and also that my conventional loan is not reporting as such. Wells Fargo contacted me and I was told things were back correctly reporting and I would be sent updated report. I did n't receive an update of report. My credit report did for 30 days report my conventional mortgage correct but never did anything about accurately reporting my payment history information from the start which is XX/XX/2015. Then it went back to reporting partially incorrect ever since. It is a frustrating situation. I want to apply for a credit card but with things not correct with Wells Fargo reporting my credit I 'm not in the best situation to get the offers I may could obtain.

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 2016-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
After reviewing my credit report, I found that Portfolio Recovery Associates was reporting a debt on my credit report. 

I requested through the credit bureau that the debt be validated. Also I noticed that the debt in question was a zombie debt and beyond the Statute of Limitations to be collected in the state of Texas ( 4-years ). I never received a " dunning letter '' from this agencies so I could adequately dispute the claim made. 

After sending dispute letters to XXXX and XXXX without any results, I decided to send my dispute with Portfolio Recovery Associate ( PRA ) to the XXXX. While their investigation was pending, PRA 's account was removed and reinserted per my credit monitoring service ( XXXX ) and the credit bureau XXXX. My account with Portfolio Recovery Associates were " parked '' thus reaged. My debt appeared to be a new collection thus negatively affecting my credit score. 

This is a violation of FCRA for not giving me a five-day notice of the reinsertion of debt and the FDCA for the re-aging of Portfolio Recovery Associates account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I tried to get into Wells Fargo Dealer Services online tool to pay my car note. However, I got a message saying that my rate has changed. 
When I called, they said that that message applied to my old car loan and being over charged for interest. They sent me a check for {$48.00} but my concern is that they did not go into details about the months involved with the overage. I would like to know if I am due more since I do n't have a clue on any specifics. This happened immediately after the scam when employees were fired due to fraudulent accounts.

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 2015-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The last correspondence I sent the company on XXXX pertained to a demand for validation. The company 's correspondence to me dated XXXX provided me with verification of the account, they failed failed to provide me substantive validation of the account, there are no statements and contractual agreements from the original creditor that they could produce and at the same time they persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Associates was trying to collect XXXX separate debts from me and although I paid monthly payments, believing PRA was entitled to collect on these accounts, the pricipal amount increase indicating PRA was charging interest. I disputed these accounts on 4 occasions ( beginning XXXX/XXXX/2015 ) and requested verification, but PRA refused to provide original account agreements or an accounting of what was paid and due. I then learned the there was a consent decree, binding PRA from collecting certain debts. I then received a refund and a letter indicating that at least XXXX ( and probably both ) wasa covered by the consent order. I also discovered that PRA is still reporting these debts on my credit reports. I want to know 1 ) are my XXXX debts covered by the consent decree ; 2 ) is PRA prohibited from collecting these debts ; and 3 ) if PRA can not collect, why ca n't these XXXX items be deleted from my creidt reports because PRA can no longer collect them?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XXXX XXXX XXXX Owed XXXX, account number XXXX From sent BC services For XXXX XXXX XXXX XXXX in my name stating that I Owed. A letter on XXXX XXXX XXXX was sent to BC services to validate the debt. on XXXX XXXX XXXX and itemize bill was sent to XXXX XXXX and not to me .Attachments will be added

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 2016-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I keep getting phone calls from this collection company at my place of employment. I have never given them permission to call my employment and if this continues I could possibly lose my job. I do not wish to get calls from them at my employment and this needs to stop immediately. On XX/XX/XXXX-the receptionist sent me this email because I was with a client and the person was rude to her, " Call from XXXX with Portfolio Recovery Assoc. needs a call back at XXXX. '' Today, the receptionist received another call from " Please call XXXX XXXX XXXX ... ask if anything else in the message, she said no.. '' I looked the number up and it was Portfolio Recovery Associates XXXX They have called several other times and again I can not have this going on. Is there anything I can do about this issue and if I loose my employment can I go after them for compensation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: M&T BANK CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, Our house was mortgaged by XXXX XXXX XXXX then M & T Bank bought the mortgage from them. All during this time that they have owned the loan every year they we receive ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT FROM THEM. They always send us a shortage coupon and always try to XXXX our property taxes, when our taxes have only gone up {$16.00} this year. Our property taxes are for this residence and the adjoining lot which is {$590.00} for this year. M & T Bank want 's to raise the property tax that they collect from us to {$1000.00} This happens every year with them and we have to fight with them and then we have to call them and they state they will have to research it. 
XXXX XXXX XXXX stated to us that the PMI on our loan could be dropped after 5 years as long as we did n't have any missed payments or late payments. Which we have made every payment and not been late with it. 
I have been trying for the last 3 years to get M & T to drop the PMI and they state that we have to have a 80 % Loan to Valuation ratio and we are at 80.6 % and the lone is close to 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital froze my account and requested verification. Ive sent ALL verification documents 3 tines but they refuse to unfreeze my account. I opened a case for this with the CFPB already but the case was closed with no change to my account. Previous case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: KEYCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX my Health Savings Account could not be accessed by a Key Bank teller. We then discovered XXXX checks totaling {$7900.00} had been written on this account XX/XX/XXXX-XX/XX/XXXX ( none of them written to health professionals ). I did not check this account routinely since I last used it in XX/XX/XXXX. I filed an affidavit of fraud with Key Bank, filed a police report ( they could not help since identity theft is hard to prosecute ), checked the credit bureaus for other fraud ( none was found ) & assumed I would get reimbursed by Key Bank. However, Key Bank refuses since it had been greater than 60 days since the fraud occurred & the discovery & report of fraud. I have contacted local , county, state and federal agencies asking for help. The WA State Attorney Generals Office has started an investigation # XXXX. I believe the office forwarded my information to you but suggested I do so as well. If you decide to help me & need more information about any aspect of this case, please let me know & I will send everything I have. I have talked to several people & not one person I spoke to is aware of this rule. I would love to get my money back but even more I would love to have agencies responsible for protecting money, notify consumers when an account is opened, this rule exists. Consumers should have to sign they understand this rule. 
Thank you for your interest. If you can help me, I would so appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX XXXX, XXXX USAA, had debited my checking account for {$56.00} for payment to my closed Credit Card ( CC ) Acct, without myself scheduling the payment on their bill pay or my authorization. So they applied a credit card payment reversal to my chking account. iI later that day did schedule payment for my closed cc account. When I received my XXXX statement for my open cc account, I noticed USAA charged my open cc account {$56.00} and applied it as a payment to my closed cc account and my scheduled payment. So XXXX payments were applied to my closed cc account. On XXXX XXXX, XXXX, I called USAA and they said it was an error on their part. Because they made this error, I thought I 'd look over my closed account statement closely and I noticed that USAA had increased my interest rate on my closed credit card account from 7.15 % to 7.40 % back in XXXX XXXX WITHOUT NOTIFYING ME. This account has been closed over 5 years now and have been paying a fixed interest rate of 7.15 % when I closed this account. My earliest bank statement that i have indicating that i was paying this interest rate goes back to XXXX XXXX. I called USAA and they said there was nothing they could do. 
My complaint is, why is USAA increasing my interest rate on my closed credit card account when it has been closed for over 5 years now. Does n't opting out protect my outstanding balance at the lower interest rate at the time my account was closed? Does n't the Credit Card Act prevent banks from increasing interest rates on closed accounts arbitrarily? USAA had not been receptive with me when bringing this situation forward to 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 2016-08-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
America 's servicing Company denied a postponement in foreclosure date due to lack of proof of funds. I have requested in writing to the Correspondence Resolution Team ( CRT ) the postponement, stating that I will not be able to have the proof of funds or the funds to repay until a week after the scheduled foreclosure date of XXXX/XXXX/2016. They denied the request, forcing a foreclosure. I am requesting CFPB to mediate an alternate route to postpone the foreclosure date.

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