BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
BBVA is not allowing customers to make partial payments under the minimum payment amount required.

BBVA is calculating minimum payments in a way which is illegal. They are calculating a minimum payment based on the balance in the period, additionally adding any amount between the over credit limit amount and the credit limit. 

In my case BBVA is calculating the minimum payment allowed, and not allowing me to make partial payments online as {$320.00}. My credit limit was {$3900.00} before closing the card. The balance on the card is {$4000.00}. BBVA changed the credit limit from {$6000.00} to {$3900.00} last year. BBVA asserts that the minimum payment is whatever the monthly balance is, and additionally the spread between the over limit. In this case they assert they can set the minimum at whatever calculations for late payments plus the {$110.00} difference of over limit amount. The monthly minimum payment they claim is {$72.00}. Within the minimum payment math they believe they can multiply that by 3 for previous missed payments in XXXX and XXXX. They have applied payments in XXXX and XXXX to previous months and are still rolling forward the arrears to future months even though they have assessed late fees. 


Further BBVA is not applying amounts to current months. BBVA is stating that a missed payment in XXXX allows them to apply current months payments for that missed payment and subsequently classifying payments made in future months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a call from XXXX XXXX XXXX employed with Transworld Systems Inc . Stated this is a debt. collection agency left XXXX numbers. XXXX and XXXX. Be advised my ID was compromised many years ago by unknown actors. There is a great deal of misinformation and fraud base in the past. I have been unable to address these criminal actors for yrs. for no person group or agency will present me with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased home in XX/XX/2021 with NewRez. In XXXX I receive a letter that XXXX owns loan now but to continue with NewRez as mortgage servicer. I always pay my mortgage 2 weeks early on the XXXX of the month. Today I receive an email from a loan company I never heard XXXX, or was given the heads up my loan was transferred. They say they aquired my loan XX/XX/XXXX and nobody informed me and I am late on payment and owe an additional {$21.00}. Not only have I paid XXXX 's mortgage but I paid XXXX 's too. Yet they are saying I still owe with a fee and late on XXXX. I am very upset and especially having not been forewarned. How do I know this is not even a scam? They better take off fee and have me credited up till XXXX. I do online banking and it shows both checks cashed and dates.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hello im currently an account holder for TCF BANK. ON FRIDAY XXXX XXXX 2016 I WENT TO AN ATM MACHINE TO WITHDRAWA FUNDS FROM MY ACCOUNT BY THE FUNDS NEVER CAME OUT OF THE ATM BUT FUNDS WERE TOOKEN FROM MY ACCOUNT AND ON TOP OF THAT TCF BANK HIT ME WITH AN OVERDRAFT FEE OF XXXX DOLLARS. I CLEARLY HAVE TOLD TCF BANK SEVERAL TIMES THAT I NEED MY MONEY BACK BECAUSE THATS MY RENT MONEY. AND EVERYDAY THAT I AM LATE ON MY RENT IM GETTING CHARGED XXXX DOLLARS A DAY. I was assured on XXXX XXXX 2016 that my funds will be back into my account on XXXX XXXX 2016 by XXXX. I have called tcf bank several times to ask them why have n't they put my provisional credit back into my account and all they are saying that its not their fault that i went to another atm thats not dmtheirs. And that i have to wait 10 business days before i get an answer. Thats not fair to me or any other card holders. I want to file a class action lawsuit against tcf bank. My rent have never been late up until this has happened. Please help because something has to be done with tcf bank. And they need to pay these late charges and fees plus give me back my money. And that 's all i want them to do. They could have simply avoided any lawsuits but they have choosen not to do the right thing. At this point im looking for lawyers to assist me in this matter on filing a class action lawsuit against this bank. Im closing down my checking and savings account. And after this is over i want nothing else to do with tcf bank ever again in life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Valon Technologies, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased home in XX/XX/2021 with XXXX. In XXXX I receive a letter that XXXX owns loan now but to continue with XXXX as mortgage servicer. I always pay my mortgage 2 weeks early on the XXXX of the month. Today I receive an email from a loan company I never heard Valon, or was given the heads up my loan was transferred. They say they aquired my loan XX/XX/XXXX and nobody informed me and I am late on payment and owe an additional {$21.00}. Not only have I paid XXXX 's mortgage but I paid XXXX 's too. Yet they are saying I still owe with a fee and late on XXXX. I am very upset and especially having not been forewarned. How do I know this is not even a scam? They better take off fee and have me credited up till XXXX. I do online banking and it shows both checks cashed and dates.

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 2016-11-10
Company: KEYCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank charged my account an overdraft fee, which I believe I did. But they are saying on the same day, I incurred another overdraft fee on another purchase. But I did not. I was constantly checking my account that day as I was XXXX shopping online, and it kept showing what purchases had cleared my account. One showed cleared on the XXXX, but was not processed through them till the XXXX, so in fact, they held the process, that had already showed cleared my bank, and posted it at the moment my bank was overdrafted-which of course caused another overdraft fee. I immediately deposited enough to cover the fees my bank charged me. So yesterday my account showed positive XXXX dollars, and this morning it shows they processed another item to show the process date-again at the time I was overdrafted. It is like they chose the exact time, I was overdraft to process XXXX items, when I saw those items had cleared days before, now it shows those same items clearing on the exact date I overdrafted by XXXX dollars. So that XXXX dollars has now costs me XXXX overdraft fees of XXXX {$110.00}, for one overdraft. My complaint is, I did not make further purchases starting on the XXXX, until I saw they came through my acccount. So it comes through my account, but then they formally process it at the time I was overdrafted. I can not believe they can do this. yesterday I looked at my account and saw a XXXX purchase was posted on the XXXX. Now that same purchase has a post date of the XXXX. I put XXXX dollars in my account on the XXXX to cover my overdraft. They posted that same purchase again posted on the XXXX, the day I overdrafted, which gave them the right to charge me a fee again. They are clearing things one day, then moving it and posting it another day to suit them. I check my account everyday. Yesterday I was positive, this morning I have another overdraft fee????? Because they again moved another post date.of purchases. I asked them to remove the last fee, as it absolutely was not overdrafted, they told me they could only remove one fee a year. What??? The fee they charged last time, was also their fault. Can they keep clearing and then re-posting purchases to cause overdraft fees, and then say, well sorry we have already removed one this year. I am a single mom, and every penny is important to me, and now they have made an XXXX dollar mistake, into XXXX cost to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
They have not communicated directly with us, with proof that they actually hold the debt, what the current balance is, and how to pay it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: ProCollect, Inc.
State: AK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This man was talking over me and I was asking for general information about the debt that he is trying to collect. XXXX XXXX from ProCollect

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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
inquires ftc violations 
capital one 
XX/XX/2020

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 2021-02-19
Company: Sequium Asset Solutions, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ref earlier complaint, XXXX, Sequium Asset Solution. Have been thru the process, attempted to call them with no success. Phone for XXXX XXXX message box full, won't take new message, indicates she will call if she decides to. 

Original complaint refers to XXXX XXXX Acct # XXXX, which is NOT mine. Refers to account in XXXX XXXX, TX, in XXXX. 

I have lived in XXXX, TN, since XXXX. In fact, had a XXXX XXXX Acct, XXXX. XXXX, from XX/XX/XXXX thru XX/XX/XXXX. 

No one, XXXX, Sequium, or any one else, ever contacted me about a delinquent acct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
There are several items that are on my credit report due to fraud. 
My social security number was stolen from me to open accounts in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

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 2015-06-19
Company: ProCollect, Inc.
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 is not mine

Complaint:
I believe the debt not to be mine as the apartment manager claimed I could move out and as long as they re-rented the apartment there would no problem. I know they quickly re-rented it. Yet they are trying to collect {$3000.00} on damages? How do they come up with that number. They say after insurance I owe {$750.00}. Plus a XXXX collection for {$3900.00}. Its all fee 's. 
I was medically ordered to move from the location, I have a doctors note as well as my personal statement attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Arbor Residential Mortgage LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've tried numerous times to sell my house via a short-sale and the bank has n't responded. Next, the mortgage company that handled my mortgage was bought out by Seneca Mortgage Company. While working with a HUD Housing Agency, Seneca Mortgage Company was giving the HUD Housing Agency the run around. I believe my house has went into foreclosure. What are my options?

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 2017-01-26
Company: Prosper Marketplace, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This lender has an address on their website where payments are to be sent. I 've sent in payments via certified mail and although the lender has received the payments, they will not post them to my account. Their " payment '' mail box is either unmonitored or they are deliberately holding payments in order to collect fees. I 've attempted to call the customer service number to discuss the matter, however regardless of the time or day, the recording always indicates that I have reached them after hours. I have additionally attempted to reach them via the email link on their website, which does not function. 

I sent my payment in and the lender received it. I believe that they have a responsibility to post payments the day they are received. At this point my payment is delinquent because of their failure to act appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Velocity Portfolio Group
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Medical Breach of records and filed Ftc dispute and they Velocity Investment never contacted me and they are the third company trying this debt and they just send a lawyers letter threating a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Guild Mortgage Company LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX. I applied for a home loan with XXXX XXXX ( XXXX ) Senior Loan Officer Sales Manager XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX O : XXXX XXXX # XXXX | XXXX XXXX XXXX  XXXX. She told me that we had underwriting approval so i put {$4000.00} into the contract to close on a house. come to find out we didn't have approval and she wrote an approval letter for my realtor. She also ran my credit 2 times without approval. She told us that we had approval for {$530000.00} turns out I could only get {$410000.00}. so how did an approval letter of {$430000.00} go out?????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-02-19
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid it in full asked to have a letter stating it was paid in full faxed or sent to email. They sent a bill instead of already paid debt got a bill today XX/XX/2021. The debit was paid in full on XX/XX/2021. I have called them several times asking for them to fax paid in full. They also said that they can't take it off my credit report since they haven't reported it yet through the credit report yet. Midland credit management and company and I spoke to a XXXX. This is about a XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: MARINER FINANCE, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
They are not applying my extra loan payments to my principal balance. I make my monthly payment on time and then I will send in extra money that same month to be applied toward my principal. Instead they apply my extra payment to interest. I called and asked for it to be fixed but they told me I can only make extra principal payments the same day I make my regular. This is a simple interest loan with no pre-payment penalty. The reason for making extra payments is to pay down the loan faster. By miss applying my extra payments that will never happen. Payments are made on line and there is no where to state that the extra payment should be applied to principal. Also there is no where to see how your payments are being applied. You have to call the office and ask them to mail you a statement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
This is my second dispute on here for Experian. I had mailed and disputed on here recently concerning the different address 's that they had listed on my credit report that was wrong and incorrect. I have printed a credit report directly from Experian 's website that would support my claim. In which I have attached to this dispute. I am again disputing the address ; s that are listed on my personal information section of the credit report. My current address for the last XXXX years has been and still is XXXX XXXX XXXX XXXX, XXXX XXXX. The address 's other than this one that you have listed is not mine 's and should be removed. Here are the address 's that are listed on your credit report that are wrong and needs to be removed:XXXX XXXX XXXX XXXX XXXX , XXXX XXXX.This is my great aunt 's home and mineXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This is a friends house not mine and why is it even connected to me I do n't know. my goodness. 
Address : XXXX XXXX, XXXX XXXX identification number : XXXXType of Residence : Single familyGeographical Code : XXXXThat was the last address. Now I have also have another dispute that has n't been removed from my credit report which is a collection item from XXXX XXXX. Ths collection agency has sent me a deletion letter because the collection account that hey were collecting own should not have been. Could you please process the deletion off my credit report. My Utility Bill and my Drivers License for Verification of Identity is attached. I hope this is through enough for Experian to follow.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief