BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
EQUIFAX I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX, XXXX. 

Inquiry : XXXX XXXX, XXXX All Others ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX 

XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In a previous complaint regarding this debt. The creditor agreed to remove this and cease collection attempts.

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 2015-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I recently applied for a secured credit card from Capital One. On XXXX XXXX, 2015, I received written notice my application was accepted and I needed to forward a refundable security deposit. I made an online transfer from my bank for {$500.00}. Capital One received payment on XXXX XXXX, 2015. Approximately two weeks later I received my card. Today, XXXX XXXX, 2015, I attempted to sign up for online banking with Capital One and, after completing the application, was told my card was restricted. I did a bank chat and was told to call XXXX. I called the number and it was the fraud department. I was told the company determined I was not the one who opened the account ( I definitely did! ) and that my application was fraudulent. When I pressed for details, asked why they took the {$500.00} from my account and how they determined the fraudulent status without contacting me, I was told they did n't have that information. When I, again, questioned the withdrawal of {$500.00} from my account, I was told " if you really want to get it back you need to call from your bank and have your identity proven by a bank representative. '' The phone representative was equally evasive when I asked why I had not been contacted by the bank and why the company would have send me a card if the application was deemed fraudulent. Still, no reasonable response. I was told that I could reapply if I wanted to. Needless to say, I want no further dealings with Capital One but I DO WANT MY {$500.00} DEPOSIT BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Affiliate Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 I sent a debt validation request to this company, and rather than validate the debt I was sent a detailed list of my medical records without verification of identity needed to access Private Health Information. This is a direct violation of HIPAA regulation as I have never signed a HIPAA release form authorizing them to have, and distribute this information so carelessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am having a lot of trouble with Sallie Mae. I called them three months ago for forbarence and they said it was not an option for me. I have all my public loans consolidated through the government and all my private loans through Sallie Mae. I am on Income based repayment for my public loans and I can barely make that payment let alone XXXX payments. I have been told that it is impossible for me to consolidate my public and Private loans through the government so I can have XXXX Income based repayment. If I had XXXX income based repayment, it might be possible for me to live, save money, and try to build my career, let alone buying a house. My credit is in Shambles and now Sallie Mae is going after my parents who are on the verge of retirement. I do not know what to do since I can not have these loans discharged in Bankruptcy. I have not been able to pay either public or private student loans in about 4 months. HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for chapter XXXX bankruptcy on around XX/XX/XXXX/XX/XX/XXXX. SunTrust Bank was included in my filing. My bankruptcy was discharged on XX/XX/XXXX. I have not heard from SunTrust Bank since then. Today XX/XX/XXXX, while in the process of selling my house i was informed that SunTrust Bank had a judgement on my property from XX/XX/XXXX. I did not own this property until XX/XX/XXXX and SunTrust Bank was included and discharged in my bankruptcy in XX/XX/XXXX. Why 20 years later have they placed a judgment on a property that I didn't own until 10 years later. At no time when i purchased this house did an issue with SunTrust Bank arise so all of this coming up out of the blue is pretty shocking and concerning. 

Per my discharge documents, " The discharge prohibits an attempt to collect from the debtor a debt that has been discharged. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take any other action to collect a discharged debt from the debtor. A creditor who violates this order can be required to pay damages and attorney 's fees to the debtor. '' This is a clear violation that SunTrust Bank is to collect by placing a judgement on my property 10-20 years after it was discharged in a chapter XXXX bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have n't had a credit card with this company is over 7 years, this should not be listed on my credit file. I would like this validated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Capital One Credit Card company appears to be breaking the FCRA section 623 ( a ) ( 3 ) and FDCPA section 807 ( 8 ). which appears to be a defamation on my credit report of late payments. Also capital One Card Company has failed to a dispute sentence alert to all XXXX credit bureaus in 30 days when I requested to dispute the negative tradeline on my credit. Also capital one failed to show me copies showing I paid something late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Capital One is mining data from customer accounts to target customers and try and get them to buy other services. They are using information about me and how much money I have in my savings account to try and sell me other products.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One purchased my account from another company and then claimed that I made a late payment with them, but I did not have this account with Capital One at the time they are reporting a late payment. Now that I have disputed this account, they have reported a disagreement code with a resolution of dispute to all of the credit bureaus without my permission. This has blemished my credit report further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Capital one has reported a XXXX to the irs but on my credit report its stating that I still owe a balance I have disputed this on several occasions and they have yet to change my charge off amount to XXXX if they reported as a write-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: TOTAL MORTGAGE SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
This has absolutely been the worse experience I have had with a lender. They have caused much distress and sadness in our family. We filed our Application with Total Mortgage Address : XXXX XXXX XXXX, XXXX, CT XXXX on XXXX XXXX, 2016. Our signing date was to be XXXX XXXX and closing date XXXX XXXX, 2016. Total mortgage missed our signing date and closing date. Did not find out until XXXX XXXX that the house would not close on XXXX XXXX. We were due out of our rental home on XXXX XXXX. They almost made us homeless. Thank goodness our landlord let us stay. 

They stated to our lender that they sent out closing documents on XXXX XXXX but the documents did not show up until XXXX XXXX. Their sales person sent us an email right after the documents were sent to disregard the closing documents that it was sent in error. 

Per their website : 30 Day Guarantee Need to close on your new home quickly? 
We guarantee that we 'll close your purchase within 30 days. * Otherwise, we 'll make your first mortgage payment As you can see, this did not happen. We are still in limbo. They have disregarded the VA regulations and the email from the manager that was sent regarding our loan. They cost us {$490.00} in appraisal fees and {$1000.00} penalty fee ( normally {$250.00} a day ) to our builder because they did not close on time. They told our lender that this loan would get done and as of XXXX XXXX, 2016, nothing has been completed nor communicated on this loan. I want people to be aware of this companies false hopes. I would like for them to refund my fees for not closing on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Professional Debt Mediation, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I requested that Professional Debt Mediation provide me with competent evidence that I have any legal obligation to pay them. As of XX/XX/2020 I have yet to receive any documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification and was denied based on the wrong income. ( see attached ) Due to a calendaring oversight, my appeal -- which was based solely on the servicer 's error -- was one day late. The letter was dated XXXX XXXX, and I was supposed to reply within 30 days of the date of the letter. I did n't receive the letter until XXXX XXXX. The servicer refused to consider my appeal on XXXX XXXX ( due on XXXX XXXX ) even though it was their mistake in the first place. 
I provided income documentation and proof of the rental and boarder income I receive. One portion of the income is from boarders who co-occupy my portion of the building I live in and own. This is the only income I was given credit for, {$2000.00} a month. 
The income from the rest of the building, {$4900.00}, is currently paid to the court-appointed foreclosure commissioner. Between the date of the foreclosure judgment and the foreclosure sale, the commissioner told my tenants they were to pay him. No sale date has been set, and the foreclosure was on hold while my loan modification was being reviewed, but the commissioner kept the rents. 
The servicer did not give me credit for the rents, even though I provided proof from the commissioner that he was receiving the money. See attached. 
I do not think it is fair to deny me a chance to be considered for a loan modification, because of a one-day oversight to make an appeal I was making based only because of the servicer 's mistake on my income. 
I am represented by an attorney and my attorney is helping me file this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I attempted to withdraw {$1000.00} of the roughly {$2000.00} in " Withdrawable Funds '' listed on my Robinhood account. This transaction was declined, and the error message was listed as " Account withdrawal disabled. '' with no other reasoning given. I had not made any deposits to Robinhood since XX/XX/2021, and I had no pending trades or unsettled funds. I attempted this transaction again on the following days : XX/XX/XXXX - 3 times XX/XX/XXXX - 1 time XX/XX/XXXX - XXXX Time XX/XX/XXXX - 1 Time XX/XX/XXXX - 2 times XX/XX/XXXX - 3 times XX/XX/XXXX - 1 time I did not deposit any funds, or make any trades during this time. I have never had a failed deposit to Robinhood, I've never traded on margin, and I've never had a negative balance. The funds were listed as withdrawable funds. I reached out to Robinhood about this on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and have received zero correspondence back as of XX/XX/XXXX. 

On XX/XX/XXXX, I initiated a full account ACATS transfer to XXXX XXXX. On XX/XX/XXXX, that transfer was rejected by Robinhood. According to XXXX XXXX, the reasoning was that there was a restriction on my Robinhood account, and that I needed to contact Robinhood support to lift this restriction. 

I've received zero communication from them via email, which is the only way to contact them as they have no support phone line. 

My funds and my holdings are fully restricted from leaving the Robinhood platform in any way for almost a full month now, and I have nobody to communicate with to fix this problem or receive any additional information about why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Green Trust Cash, LLC
State: MA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XXXX XXXX in interest so far just got in trouble with too many payday loans and now almost all my check is going to pay these things off I can no longer pay these fees and interest any longer and have told them not to call my employer but they do HELP!!!!!! these companys need to stop doing business in massachusetts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see a collection on my account that is not mine and I had wrote an contacted XXXX  and they gave me a very hard time. I suspected it was fraud and the person who I have talked to on the phone acted as if he didnt care at all. I am trying to get the following account remove from my XXXX  account XXXX Credit report I.C. System, Inc ( creditor ) Account number- XXXX Collection Account Alleged balance- {$1200.00} Alleged date open - 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 2016-08-12
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I 'm a XXXX veteran living on benefits, got a car on XX/XX/2014. Then fell into financial hardships, got behind on car payments. I knew that there would be late fees as it read in the truth and lending disclosure bracket of XXXX % after 10 days of said scheduled payment. Then come to find out that lenders were charging us what they called " a {$6.00} per diem PER DAY!!! '' if our full payment was not received on the XXXX of every month, on top of the XXXX % late charge fee! Then they take our monthly payment, deduct their " {$6.00} a day per diem late charge first, then the late charge of XXXX % also gets deducted, then and only then whatever money is left gets the principal deducted. I called them to say that I did not see this on the contract or have any knowledge of this crazy rule. If I would of, there is now way in the world I would of signed. Their reply was you " should of read your contract ''. Now we find ourselves so deep in this hole and lost a lot of money, do n't know what to do. I 'm XXXX here with this, it just does n't feel right! Asking for some assistance and information in this nightmare!

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 2016-10-17
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I recently applied for a second home mortgage and was conditionally approved and 4 weeks prior to settlement I Informed that since I already have an investment property XXXX of a mile away, I was forced to take the investment loan which at the current rate I locked into would have cost me an additional {$4800.00}. I was told that since I have a a history of investment properties all documented on my tax return, I am not allowed to have a second home. I just sold my primary residence for the only reason to obtain a second home at the shore for my family. 
I do not even have a second home or primary at the moment. My goal was to secure this mortgage as a primary or secondary residence. 

I feel that based on my age of XXXX and Origin of the other property, I was discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited money into my checking account making my checking account XXXX total and a debit was posted to my account for XXXX almost XXXX hours later and BBT told me that the deposit will always post first before the credit. That is unethical and an easy way for the banks to get more overdraft fees from there customers. I had more then enough money in my account and they still charged me an overdraft fee and took money out of my savings when I had more then enough in my checking. Whether I deposit cash or not they told me it 's not readily available for use after XXXX that 's total nonsense and I 'm not the only one having this problem with BBT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This firm has contacted me twice regarding an account from 2015. Twice, I have asked to be shown the unredacted Bill-of-Sale that shows both the DATE and the amount their client, LVNV Funding, LLC actually PAID for this old account. They are claiming I somehow owe " them '' {$1600.00}. Unless they can show/prove that they actually paid this amount and " WHEN '', I believe I owe them nothing. I am disputing both their claim and the amount they believe I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I text drove a XXXX XX/XX/XXXX that was manufactured in XX/XX/XXXX. I did not see any flaws during the text drive. It was bought from a certified Ford Dealer. However, after XXXX weeks of owning the vehicle, a new battery was needed. Thus, it was revealed that the car had been in a previous accident. It did not make more sense to me that there were names already programmed in the XXXX It was not cleared before I signed my name on the line. My first concern is the purchase was in a clear violation of the Lemon Law. Secondly, I do not know if XXXX Ford was informed it was a program car and has been in an accident. However, it was and it proved to me every time I had to reset my blue tooth wireless option. Thirdly, I have been disputing this issue with XXXX directly. I have not received a response. XXXX of XXXX, GA. had to replace the A. C. unit twice. This is only after 2 years of owning the vehicle and still being under the XXXX. I do want this issue cleared and removed from my credit reporting history, which includes all trade lines entered by Ford Motor XXXX. Car was repossessed during my unemployment. Also, I had possessions such as my notary stamp ( XXXX XXXX ) that was not returned to me.

Company response to consumer: Closed with explanation