BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-24
Company: Hillcrest Davidson & Associates
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was sick because of a XXXX of which now i have XXXX XXXX from the hospital directly, XXXX, and a XXXX because of my XXXX they advised me if i had any issues that they could be resolved of which when i was very very sick that they had taken advantage of me and my mental staite and condition of which i advised the installer of the home security system of and the company assured me of any issue that they could be worked out however they was not they Hillcrest Davidson and Associates sent me a letter threatening to take me to court which was illegal they didnt they just ruined my credit and charged me for 5 years of an alarms system because i missed some payments due to sickness in the amount of XXXX i call the company of which the security system came from they apologized to me for this happening to me but they said that they could do nothing for me, this company has left their home alarm service in my home of which they refuse to pickup and i am being charged for it and 5 years of service this is extortion for such a system and a 5 year contract at first i was OK but now after experiencing their customer service and that the collection agency is arrogant against me i just want this all to end and my credit returned and restored before them. under the Federal trade comission this is a XXXX fine that they should be fined for sending me such paperwork but i want the federal trade comission to contact the credit bureaus for what they said under my multiple disputes to have this removed and then contact the debt collector and fine them so that they cant lie about what was sent and communicated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I did not give permissable authorization for XXXX XXXX to request my credit report for a vehicle loan nor did I need or apply for financing from Capital One Auto Finance. The actions taken by this company is fraudlent and I hereby warn and give orders to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
A merchant mistakenly charged my credit card in the amount of {$2900.00} ( the order number ) instead of {$290.00} ( the purchase amount ). The larger sum was immediately withdrawn from my account, and despite a prompt void of that transaction, MasterCard and or Capital One bank is refusing to credit my account immediately. I have been told it will take 3-5 business days to post back to my account. I assume the banks are earning interest on that sum while I am left without available credit. As a XXXX I occasionally need to rely on short term credit to cover cash flow shortfalls. This has left me in a position of having to use my cash reserves to purchase materials, when that should go to payroll. It seems unfair that the banks can tie up my credit in such a fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Lou Spivack, P.C.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
he threatened that a court date had already been set for my case for XX/XX/XXXX on first contact which was on XX/XX/XXXX. Stated i needed to know exact date as I had a new insurance provider at a certain time during this. Asked him to not contact me during work hours and he replied with oh good your working hinting at wage garnishment. He stated i dont understand the laws for fair debit collection.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-15
Company: The CFM Group
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Got a call from Consumer First Management Group and spoke with XXXX XXXX at XXXX. He threatened to sue me and garnish wages and get a judgment against me for a debt that was from XXXX, that I repeatedly told him was not mine. He has been calling multiple times and contacted my wifes place of employment and gave her all the information on the account even though they stated that I was the only one on the account and that the bank had written off the debt in XXXX. I asked multiple times how I could resolve this legally and why they were harassing me if the company had written it off and requested that they send me whatever documentation that they had and information on how to dispute the account and the debt. He told me that the only way to get out of this was to pay it all. The disturbing part is that they had all of my personal information and when I asked what it would take to resolve he told me that we had good jobs and made good money so he wanted all of the XXXX and that it would be XXXX after they took me to court with court costs. I looked up this company on XXXX and it looks like they are a scam. Can you help me validate this company or put them out of business if they are scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife applied for a loan estimate on my behalf at FBC Mortgage , LLC. They demanded additional documentation ( pay stubs, XXXX, tax returns, drivers license, bank statements, college diploma, educational transcripts ). She provided all documentation, and finally 2 weeks later, they sent an unofficial estimate ( " Pre-Application Worksheet '' ) that states : " Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. '' Also, the document had an incorrect purchase price and loan amount, and the property address zip code was about XXXX miles off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Vision Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have had XXXX and have been covered fully since 2012. I have faxed proof, contacted several times and it never gets resolved but is continuing destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Complaint is to address Well 's Fargo 's ( WF ) UNLAWFUL FORECLOSURE & DISCRIMINATING decision re XXXX/XXXX/XXXX auction of my property at XXXX XXXX XXXX, XXXX, CA XXXX. Sold $ XXXX/valued at $ XXXX/owed {$290000.00}. WF failed the California Homeowner Bill of Rights by not assigning a POC prior to auction on how I can qualify for re-modification. DISCRIMINATION : Day before the auction WF had receipt of Buyer 's Contract ( RPA ), HUDI, XXXX printout, house listing agreement & did n't contact Realtor to discuss further. My Realtor was denied this sale for her livelihood & sale could have been delayed 30 days for XXXX document needed per WF. WF rejected Realtors house offer & disregarded at age XXXX, that sale would replenish my depleted & penalized 401K used to keep mortgage current after my XX/XX/XXXX layoff. My realtor showed how I did quality to make mortgage payments. WF failed to assign a POC & I was the liason between WF XXXX XXXX Attys office & WF corp. office because phone number for mgr " XXXX '' was not permitted, always a different WF Rep for each call. I was repeatedly told a job & paper-trail was required for a re-modification & my realtor showed me that my social security, renters & family assistance qualifies me. WF emphasized I needed a JOB and PAPER TRAIL since I had neither, assumed I did n't qualify. WFs response to the first CFPB complaint was that her research was to determine if WF handled the foreclosure wrong, not to freeze the sale. I want my house back after my Realtor educated me on how I DO QUALIFY FOR A RE-MODIFICATION without employment.

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 2016-12-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I HAVE DEBT ON MY CREDIT REPORT FROM WELLS FARGO STATING THAT I OWE THEM {$270.00}. THE PAYMENT STATUS IS CHARGE OFF.HOW CAN THEY CHARGE OFF SOMETHING I NEVER KNEW I HAD WITH THEM. I HAVE HAD AN CHECKING ACCOUNT WITH THEM AROUND THE SAME TIME. IM UNSURE OF WHAT TO DO AT THIS TIME.

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 2015-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello there, I took a student loan from Wells Fargo in XXXX for XXXX degree of my son, in total amount of {$49000.00}. The interest rate was % XXXX fixed for about 15 years. From that time up to now although my monthly minimum payment had been always too high, I have never been late and there was no defult. I have regurarly paid by now and the current balance is {$31000.00} with minimum payment of around {$350.00} per month. 
From 3 years ago, when my spouse lost her full time job, I have started negotiating with Wells Fargo to refinance this student loan or lower theinterest rate or increase the remaining period to reduce the minimum monthly payment amount because it is very hard for me to pay. Any how, not anly they never agreed, but they fritghtened me that they may increase the interrest, while the intereset is supposed to be fixed!! In this case, may you please advise if there is a solution? May you convince Wells Fargo to exened the remaini re-payment period to 15 years from now keeping the same interest rate? 
Thanks and best regards, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Biehl & Biehl, Inc
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Biehl and Biehl Debt Collection agency calls me without allowing their phone number to show up on my caller I.D . After talking with me over the phone, I still received a letter telling me the same thing that was discussed over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: FINEX Group LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called Finex called me a few weeks ago about an outstanding car towing debt from a car I do not own nor has it ever been in my possession. Now they reported it to the credit bureaus significantly impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Health Services Asset Management, LLC.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not believe actually this debt is caused by me and strongly believe it is wrongful charge that is posted against my credit report. I do not have any documents and never dealt with them in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted Wednesday XXXX/XXXX/15 at XXXX CST by University Accounting Services/XXXX regarding my account and the status. I was previously asked the same questions from another phone call I received on Wednesday XXXX/XXXX/15 at XXXX CST such as when I could pay the account in full, when my next payment would be made, etc. As I explained on this call, I was disputing this balance with my college and I was making minimum payments, as I can, each month but I was unable to pay the account in full. I had marked on my online account to not be contacted by an automatic dialer on their TCPA Authorization. When I asked XXXX why I was being contacted a week later, he advised it was because my account was on the automatic dialer. When I advised that I had previously not given consent to be contacted in this manner, he stated he would have to review with supervisor. After reviewing, they removed my name from the list. I asked what steps I could take as far as already having my name on the no authorization list - no steps given, just to allow 24-48 hours notice. I receive calls from the company while I am working. When I try and contact the company back, the line just rings and places you on hold, never allowing an agent to answer the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On or around XXXX/XXXX/14 XXXX XXXX XXXX. sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called XXXX three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to XXXX XXXX XXXX and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took XXXX approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. 
I believe Capital One is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. 
XXXX XXXX XXXX also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to Capital One. 
XXXX is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Since the government has now changed the rules regarding transfers of IRA 's from one financial institution to another in deference and accommodation to the banks, it has become much more cumbersome and time consuming to accomplish this task. It has taken XXXX months to get {$87000.00} from Wells Fargo to XXXX XXXX. It was only my irate phone call to XXXX this morning that the money was miraculously " found ''. When we were allowed to pick up the check from one institution and deliver it to another, things always went smoothly. THE NEW SYSTEM IS NOT WORKING AND IS DESIGNED SO THE FINANCIAL INSTITUTIONS CAN LOSE YOUR MONEY FOR A MONTH AND A HALF AND THERE IS ABSOLUTELY NO ONE YOU CAN SPEAK TO THAT CAN GIVE YOU DEFINITIVE ANSWERS ON ANYTHING, UNLESS YOU WERE WILL TO SUBMIT TO THEIR EXCESSIVE FEES FOR ELECTRONIC TRANSFERS. PLEASE HELP CHANGE THIS SYSTEM BACK TO THE WAY IT WAS!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Concord Resolution Inc (Closed)
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phone number is frequently calling me. States they are from Concorde Resolution and that I need to place a " statement of verification ''. I checked with my state 's department of finance and this company or number is not registered as a legitimate company. They have called me every day. I looked up their phone number and saw that it 's a scam and quite a few people reported to have the same occurrences.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-10
Company: Brown’s New Credit Bureau Inc.
State: AZ
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 at XXXX I received a call from a XXXX XXXX introducing her self requesting why the bill had n't been paid after several notices had went out, when I asked to verify the address or the amount she responded never even advising me where the collection was from, 'you got the letters and continued yelling, i asked can she please lower her voice and i would verify my address since i moved within the last year. She continued yelling and cussing ( so not necessary ) XXXX if you do n't give me your address i will find you one way or another. i asked again please lower your voice there is no need to yell she continued with Im not yelling and im done i will find you, then hung up, i called back to speak to a supervisor and she answered the call saying she was the supervisor and that XXXX XXXX did n't have time for this nonsense and hung up again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
There was a credit balance on my Capital One account, and I requested a credit balance refund on XXXX/XXXX/2015. I spoke with numerous supervisors, as I have had issues with Capital One before, and I was assured that I would receive a credit balance refund check. I was also told that the credit balance could be refunded to a recently used XXXX checking account. I made it clear that there should not be a payment adjustment made. After taking over XXXX weeks to process my request, Capital One has sent a supposed ACH credit to the originating bill pay service, which is nonexistent, and now I have had my funds warped into electronic nether-land all while being told that the request was treated in accordance with " Capital One policy ''. I am incensed to have XXXX checked my customer service answer ahead of time on how the payment would be issued, only to have Capital One take arbitrary action to resolve my issue that did indeed cause a domino effect of other issues. I intend to abstain from use of this Capital One account, but I am demanding that they honor their promise to issue me a check or to issue my a credit to my XXXX account. If the CFPB is unable to assist me with resolving this clear error, I will be forced to pursue other remedies. 

Thanks for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Pipeline Ventures
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
TLA, XXXX XXXX, XXXX MD XXXX, XXXX sent out a postcard to seniors who have a reverse mortgage which I feel is very deceptive advertising. " This is an attempt to make contact as your loan is approaching the end of its probation period '' and " Your Reverse Mortgage may be due for a change in terms ''. There is no probation period on a reverse mortgage and terms can not change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Last year I was solicited for a bumper to bumper warranty product from what turned out to be XXXX different companies that were both charging me for an un necessary warranty on a car I am leasing that has a full factory warranty in place. 
I would like a refund as both companies mis represented the facts to me claiming that I could n't use the other and ended up both charging my credit card. 
I eventually changed the Capital One Card number to avoid additional charges. 

I would like assistance in obtaining refunds from these XXXX companies who I feel turned out to be scam. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ Both companies were charging my card for {$110.00} and {$200.00} for roughly 8 months each. 

They were charging my Capital One Credit Card. 

I am XXXX and my son recommended that I reach out to the CFBP to help me in sorting out this mess. I do take some responsibility for providing my credit card, however I feel they mis represented facts and confused me and I didnt realize I was getting charged by XXXX different companies for many months. 

Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: FC HoldCo LLC
State: OH
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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