BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XX/XX/2020 There was a false collection for {$670.00} under my name that should have been resolved already. 15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions. 15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.

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 2022-09-04
Company: Pacific Credit Exchange Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection Agency PACIFIC CREDIT EXCHANGE XX/XX/2021 Account Number # # # # # # # # # # # # # XXXX {$4600.00} that I owe I have never signed any written document saying that i owe this debt to this collector. 
they are violation my right of the FCRA as a consumer. 
I do not know who they are and not written consent from my end. 
also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX

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 2018-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date opened : XX/XX/XXXX Last date reported : XX/XX/XXXX Balance : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bankruptcy cases, I have three bankruptcy cases still showing on my Equifax, XXXX  reports, to where's transunion have removed all three cases, so my complaint is bankruptcy cases does not report monthly therefore they should not be on my report as a status, have the reporting companies investigate this as a complaint matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Bilateral Credit Corp, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collection company Bilateral Credit is attempting to collect a debt that I do not owe. I have documentation clearing showing that the debt was paid in full in XX/XX/XXXX directly to the original creditor. However, the company continues to harass me by calling me at work multiple times per week. They did not respond to my letter showing that the debt was paid-in-full. Instead, they have continued trying to collect the debt more than one month after I provided this documentation. 

I have attached to this complaint my correspondence with bilateral credit and their correspondence to me. This also includes the documentation that shows the check I mailed to the original creditor with the letter attached. As stated in my payment letter, by depositing the check, XXXX acknowledged that this debt was paid-in-full. 

Bilateral Credit has now filed a negative account status on my credit report with XXXX. As this is a dispute between an employer and employee, this should never have been reported on my credit report as delinquent consumer debt account. There was never any debt agreement in place with my former employer, so I fail to understand how this can be reported as consumer debt. Nor did I ever enter into a debt agreement with this employer. This is clearly harassment, and Bilateral Credit is violating the Fair Credit Reporting Act by submitting this improperly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-27
Company: Rauch-Milliken International, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The initial phone call was bullying. This woman XXXX XXXX was just bullying which defies logic. She would not even let me talk. i hung up because it was so unprofessional. The entire conversation was threatening. i was n't even disputing the debt. She billed me for the wrong amount ( see attached letters faxed to me just to embarrass me ) and proceeded to call every day leaving messages that obviously told other employees my business. She then proceeds to fax threating letters to another business.i have been sent via fax, intentinally trying to embarrass me. Today XX/XX/XXXX they had another rep. call me. I explained to him my experience he apologizes and then escalates the conversation into an unnecessary bullying match. i finally said what is wrong with all of you. i sent a payment to the company i confirmed it on the XXXX. Then the fax another threating letter after confirming and then called me again today. He gets angry because I told him i will not send payments to them. I will send directly to the client. He goes ballistic and said I will put this on your credit report and report you as combative and refuse to pay. This is harrassment. i have XXXX different letters with XXXX different amounts. NONE ARE CORRECT!! THESE PEOPLE ARE BULLIES. WHY WOULD YOU BULLY SOMEONE WHO IS PAYING AND NOT DISPUTING THE DEBT?

Company response to consumer: Closed
Consumer complaint received 2020-03-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I placed an order to redeem my Citi Thankyou points for cash rewards. I redeemed {$1000.00} total. The Order ID for Citi is XXXX ( {$1000.00} ) and XXXX ( {$50.00} ). On XX/XX/XXXX, I received email from Citi that the reward has been shipped via USPS. However, it has been 9 days and there has been no information regarding its whereabouts. There is no tracking, no updates, nothing. USPS should have delivered the package well within 9 days. I tried calling Citi in its posted customer service number for Thank you points - XXXX XXXX XXXX XXXX. However, despite calling multiple times during business hours, the automated system says that they are closed and hung up the calls. I am very frustrated I need this money desperately during these hard times and there is absolutely no response from Citi. I fear that someone may have already intercepted the mail and cashed the checks and there is nothing Citi is doing to help.

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 2016-12-12
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage for a refinance on a second home from Quicken Loans in XXXX of 2016. As part of the process Quicken asks for a good faith deposit, in my case {$500.00}. The first issue I ran into with Quicken was them not being able to obtain an appraiser before the rate lock expiration. They told me they would extend it, which they did, but then another issue came up. They apparently had a problem with the classification of my home and decided that it had to be placed in in a riskier classification, increasing my closing costs. We discussed the matter several times and finally reached an agreement on the closing costs. A couple of days before the second rate lock expired I contacted them to see why the loan had still not closed and was told that they working on it. Sure enough the rate lock was missed again. I checked my account and sure enough they had sent a new redisclosure letter with an increased rate. Considering what I had been through already I asked to be withdrawn from the loan and a refund of my deposit. After not hearing from them for a week I called to see what was happening to the deposit. I was told that they were allowed to deduct fees from that deposit and was informed the appraisal was approximately $ XXXX so no refund would be coming. I asked for the invoice on the appraisal and imagine my surprise when the invoice showed XXXX {$500.00} not the ~ {$700.00} I was told over the phone. Given the fact they raised my price on the loan twice, because they could n't close on time, and apparently were less than truthful about the cost of the appraisal I believe that some amount of the deposit is due back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX XXXX Monthly Payments XXXX XXXX XXXX XXXX  XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX XXXX  Monthly Payments XXXX XXXX XXXX XXXX   XX/XX/2019 XX/XX/2019 XXXX XXXX Monthly Payments XXXX/XXXX  XX/XX/201XXXX XXXX XXXX  Monthly Payments

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
We applied to refinance our XXXX lien loan under HARP. We also have a XXXX lien loan that is serviced by Green Tree Servicing, which needs to be subordinated. The subordination required a prepaid processing fee that was paid in advance and not disclosed on the GFE. 

The problem is the utter lack of customer service in processing the request and not with the nondisclosure. Green Tree requires communication between my mortgage company and them to occur via fax. This has proved extremely challenging in meeting green Tree 's requiring an AVM in lieu of an appraisal. [ It should be noted that XXXX is not requiring a formal evaluation in their approval. Thus, when Green Tree stated they needed an appraisal or AVM, we elected an AVM since no cost ]. 

The AVMs provided to Green Tree, as of XXXX XXXX, 2015, have not met their standards. As a result, our interest rate locks can no longer be extended without substantial costs incurred by us or accept current, market interest rates. Due to an increase in rates since application, this will result in additional interest expense over the life of the loan as well as a higher monthly payment obligation. 

We, including our loan officer, have never experienced such a lack of customer service. This experience reminds me of the foreclosure debacle, which Green Tree was investigated for. Unfortunately, lessons learned were not relaized by Green Tree subordination. We as customers can not talk with this team directly. Repeated calls to their customer service team have resulted in apologies and calls that are transferred to incorrect resources. 

We are above average consumers ; college graduates and former XXXX. We are willing to overlook human errors but this appears to systemic rather than an isolated instance. The undo additional requirement of requiring an appraisal or AVM has resulted in an application that will now result in additional costs that we could not have reasonably avoided. 

We appreciate you looking into this matter so no other consumer experiences what we have. We will incur additional costs as a result of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A modification package was sent to nationstar via email on XX/XX/XXXX ( please see attachment ) Nationstar employee XXXX XXXX in Arizona stated that they need 37 days to review the file therefore they were refusing to open and review and start the modification process. We requested a supervisor and XXXX XXXX also stated that the file can not be reviewed as it is less than 37 days before the sale date. The sale date is set for XX/XX/2015.It is very apparent the Nationstar is refusing to review the file and is making excuses to avoid a proper review. In California as long as there is 7 days before the sale date the file can be reviewed as long as all documents are in. Nationstar is failing to abide by California guidelines and it is very obvious they would rather foreclosure on this home rather than attempt to offer any type of assistance to avoid foreclosure. It also appears that the issues the XXXX family has encountered with this company are due to discrimination based on race, ethnicity, language, and national origin. Please also referred to HAMP Handbook XXXX Chapter V Protections Against Unnecessary Foreclosure states the following:XXXX Suspension of Referral to Foreclosure-A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section XXXX ) unless and until the servicer has resolved the Escalated Case in accordance with Section XXXX. XXXX Suspension of Scheduled Foreclosure Sale-When a servicer receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. At this time the XXXX family is requesting the sale date of XXXX be postponed so their file be reviewed without any discrimination. They will assert their legal right and name Nationstar as well as the foreclosing trustee as defendants in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: UT
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:
The credit bureaus Experian and XXXX  are reporting inaccurate information on my credit file. They are reporting a late on XXXX/XXXX  for XX/XX/19. I have never been late and it needs to be removed off my credit. I didn't know this late was reporting until I checked my credit.

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 2022-09-04
Company: Credit Karma, LLC
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 I woke to pay a bill and my entire checking/money account was frozen with all assets and due to my money account being frozen it prevented me from moving money from my save account to withdraw. I contacted the come who told me on a recorded line that they dont see why they have now know the reason for this but that it needed to be escalated and I will have to hear back in XXXX  days. XX/XX/2022 I received an email from the escalations team stating that they dont know what happen but it is being investigated along with a second email stating that they have now frozen my save account. My bills are now late and pst due with my money in limbo for no reason. Credit karma is holding $ XXXXusd. And wont tell me why. Their customer service says they can only email which is very scamming and misleading. They are giving me the run around while not allowing me to know why they have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-04-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened up an HSBC Checking Account online on XX/XX/2021. At the time, they were running a promotion where if you met the qualifying activities, you would receive a {$450.00} welcome bonus. The qualifying activities were to ( 1 ) open your new HSBC Premier checking account from XX/XX/2021 through and including XX/XX/2021 ; and ( 2 ) make recurring qualifying Direct Deposits totaling at least {$5000.00} per month from a third party to your HSBC Premier checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. I met the qualifying activities and even one of the representatives said, on XX/XX/2021, that I met the qualifying activities when I spoke to them over chat. The representative even said, " You will automatically receive the {$450.00} Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. XX/XX/XXXX direct deposit was received from there within eight weeks deposit will be credited to the account. '' During this time HSBC switched my account to XXXX. I followed up with HSBC regarding my {$450.00} welcome bonus and they informed me that I did not qualify for the welcome bonus because I did not sign up on the " landing page '' where I was supposed to sign up on. Although it was not one of their conditions for the {$450.00} welcome bonus, I did sign up on the landing page of the website where they advertised the {$450.00} welcome bonus. After some back and forth with HSBC, they are refusing to honor the {$450.00} welcome bonus they advertised and will not provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In mid 2019 I became aware that midland funding was trying to collect a debt from me in the amount of {$3200.00}, however the debt is a result of identity theft and I sent them a debt validation letter and tried disputing the debt with them as soon as I was aware of it. I have also filed a police report regarding the identity theft/debt and have provided a copy to them. Midland Funding is currently trying to sue me in court for the full amount of {$3200.00} plus court costs. They have reported these fraud debts to the credit bureaus and they remain the only negative item on my credit reports, because I've always paid my credit cards in full every month for as long as I've had credit cards. This has stopped me from being able to purchase a home and has been negatively affecting my life. I have tried speaking to them and they continue to try collecting on this fraud debt and refuse to remove these lies from my credit report. They have not even provided me with a copy of the original contract when I requested it, and the only thing they can show me is some statements with a wrong address. I wouldn't be surprised if they were the ones who opened a fraud debt in my name and this is all part of some huge legal scam. I will be speaking with an attorney to see if I can counter sue for anything and everything if they do not dismiss this lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
If I am one day past the due date I receive in the upwards of 10 calls a day from Conn 's XXXX and I have answered the phone and gotten no response at times. I have even been contacted after XXXX and on the weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation