BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-20
Company: Guild Mortgage Company LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Being that it is XX/XX/2016, like most people, I pay my bills online through my online Guild Mortgage account. I happened to glance at the XX/XX/XXXX statement that came in the mail which I do n't normally do, since I use the online service to pay my monthly mortgage. When I noticed an amount of {$810.00} on my statement for " Fees & Charges '' with no detailed explanation I called Customer Service to find out what it was for. I was told these were late fees that had been accumulating. I was completely shocked since I have never seen any indication of a late fee when I log into my online Guild Mortgage account. I have discovered that there is absolutely no place in the entire process of paying my bill online in which this amount would be indicated. If I do n't know that I owe it, how can I pay it? It is unacceptable that Guild Mortgage offers online account access and bill payment, yet does not provide COMPLETE account information. Late fees are intended to incentivize on-time payments by monetarily penalizing the account holder. If I do n't know that I 'm being penalized, then I do n't have the same opportunity to change my payment habits to avoid these fees. I have MANY online accounts that I access and pay each month, and in every single case I am provided a full and complete detail of my account balance in my online account. Guild Mortgage is the only exception. It is my opinion that the utter lack of information in my online account is a predatory practice to accumulate exorbitant late fees before the consumer realizes what is happening. 

Additionally, when I spoke to Customer Service on Saturday, XX/XX/XXXX I asked to speak to a Supervisor. I was told that a XXXX would have to return my phone call and that I would receive a call within XXXX hours. It was not until 6 days later on Friday, XX/XX/XXXX that I finally received that call. I was unable to answer the call and the message I received from the Supervisor, XXXX XXXX he did not provide a last name nor did he provide a phone # that I could reach him at ) was that he could confirm that there were late fees, and that I could call Customer Service to verify the dates of those late fees. I was VERY clear in my initial request to speak to a Supervisor that my issue was with the online system and the failure of Guild Mortgage to provide a full and accurate account balance and detail. I waited 6 days for a Supervisor to call me back and not address my issue in any way. Unacceptable. 

I am requesting that Guild Mortgage reverse these late fees and work to update the online account and bill payment system so that their consumers are not being left in the dark. As I told the initial CS rep that I spoke to, I will be refinancing in the very near future, and at this point I will not consider keeping my mortgage with Guild based on my experience outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Pinnacle Credit Services, LLC
State: VA
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:
Account was paid in full in XXXX. I contacted collection company on XXXX/XXXX/XXXX and was informed that they recently inquired Pinnacle collection and after reviewing their files they agrred to close account as paid in full and to report to XXXX that account should not have been reported as open balance due.

Company response to consumer: Closed
Consumer complaint received 2016-01-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I found that Citi / AAdvantage Platinum Select Card charged me an additional {$0.00} on almost all of my credit card charges in 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a letter to Franklin Collection Service asking that they remove their unauthorized collection from my account. I received a letter back saying that they would delete this on all XXXX bureaus. The first letter I sent was on XXXX/XXXX/16, said they would delete on XXXX/XXXX/16 and it is now XX/XX/XXXX16.They have yet to remove anything from the bureaus. They are still reporting on my credit and therefore damaging it and my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Comerica
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
This is the second time my card with comerca bank with direct express. Had had money taken out with out my knowledge the last time I was told that I would not have to wait the 45 days for investigation. I would have my funds go back in pending investigation. XXXX XXXX took. When I called they told me that the account does not belong to me. Then I get a email that they can not refund me because the people who used my account got right home address. Someone needs to get my XXXX payments back in to my card be for I end up homeless with XXXX kids. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-09
Company: Pinnacle Credit Services, LLC
State: CA
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:
I paid the debt with a settle offer. Please help me remove it from my credit report because I am trying to purchase a home and this is slowing the process. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11
Company: Pinnacle Credit Services, LLC
State: UT
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 had purchased XXXX phones through XXXX XXXX that I returned to the XXXX I bought them from 3 days later. They state if returned with in 14 days I would not be responsible. They have continued for 6 years trying to get me to pay for phone service I never used. Now their debt collector is still pursing even after send in them proof from XXXX assoc. The debt is invalid they are still trying to collect. Even when I was promised in XXXX XXXX the most. I would need to wait would be 60days. I am upset that my credit report dated XXXX XXXX XXXX shows they are still seeking payment et. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09
Company: Comerica
State: CA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2016 my debit card was used in another state repeatedly the transaction came out to {$740.00}. This is a debit card from Social Security income which says my money would be safe and secured. On XXXX XXXX, 2016 is when I realized all my funds were gone immediately i called customer service. I asked why was n't the card disactivated when transaction were being made so far repeatedly. I was sent investagation forms which took them a week to get to me. I still have n't received any kind of information nor any refund they told me maybe I get my money back on the card itself it says it is insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Pinnacle Credit Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX continue to charge enormous charges on an old account that I had with them in 2010. I am also apart of a class-action law suit against them for overcharging consumers. the company has XXXX different account on my credit report that is affecting my credit and damaging my credibility. Every time I check my credit report there are increasing charges add to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was incarcerated between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I had opened an account with XXXX a couple of months before I was initially incarcerated, and was caught up on my bills. My aunt had called to have the service disconnected. Now I have a {$450.00} collection on both XXXX and XXXX from Pinnacle Credit Service, who bought the debt from XXXX. The most I should owe is an early termination fee, less than half of what they 're charging me, Pinnacle Credit Service refused to send me any proof that I owe the bills, and said I would need to hire an attorney, and they would send it to my attorney. I disputed it through XXXX, and it was denied, I sent Pinnacle Credit Service proof of my incarceration dates, and have made several phone calls to Pinnacle Credit Service and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account with  XXXX   XXXX . Once I attempted to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  XXXX   XXXX  Account.  XXXX   XXXX  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and my APR went from 10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages from   XXXX   XXXX    Financial which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.

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 2016-06-28
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have submitted Request for Verification of this debt via Certified Mail Return Receipt, which was signed by XXXX XXXX on XXXX/XXXX/2016, I have not received any correspondence from as of this date, I do not recognize this debt and am trying to fix errors on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-24
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continued posting to my credit report unde Pinnacle stating I had this debt in XX/XX/XXXX then re aged debt to XX/XX/XXXX, XXXX stated it was fraudulent and then sent letter stating nothing of what they said they would do Both companies XXXX and Pinnacle are ruining my credit. It is the only negative item in my report this is costing me XXXX in trying to buy a home please see below. I need a delete letter from pinnacle Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan with Quicken Loans. I was pre-qualified not long after submitting my application and was requested to pay the non-refundable {$500.00} towards an appraisal. Once the appraisal fee was paid, my application went to the underwriter for review. On XXXX XXXX, 2015 my real-estate agent and builder received a letter indicating my loan application had been approved and fully underwritten. The letter indicated that my income, employment, and credit scores have been verified, but my loan had been approved contingent upon receiving the appraisal, title commitment and homeowners insurance. All of which were completed within weeks of this notice and a closing date of XXXX XXXX, 2015 had been scheduled. 

At this point, I completed the final earnest deposit installment with the builder for a total of {$12000.00} which authorized the builder to began making a few requested customizations to the home and set an closing date as well. 

A few days into this process I received a call from a Rep asking me to provide proof of timely payments for a previous mortgager lender because my report show untimely payments. Again, I provided this information immediately ; however, I received a formal denial letter on XXXX XXXX that my loan was denied due to past credit history. 

After providing proof of timely payments, completion of a credit supplement/rescore, credit verification phone interview and providing an explanation letter Quicken reversed the original denial and approved my loan for the XXXX time. In my opinion, reviewing past credit history is mortgage underwriting XXXX. Why did Quicken approve my loan initially, advise my realtor and builder, then ask for supporting documentation only to deny the loan? 

The builder, XXXX XXXX has now instructed me that because they have set XXXX closing dates and because I did n't close, I am now considered in default of my contract and they will be retaining my {$12000.00} earnest money deposit. I am in no financial position to write off {$12000.00} due to the incompetence of a mortgage lender. If my loan application did not meet Quicken 's criteria I should have never been lead not XXXX, but XXXX and placing my life savings in jeopardy. I am requesting that Quicken reimburse me for the earnest deposit in the amount of {$12000.00}. I will also be reporting this issue with my employer who endorsed Quicken loans as well as offered incentives to open loans with this organization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On my car loan its says XXXX finance fee ... but I am being billed at {$15.00} a day. Does the finance rate and the cost per date ... add up ... I have paid {$4500.00}. In XXXX months and only about {$1300.00}. Has been applied to the principle ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX, XXXX. successor by merger to XXXX f/k/a XXXX ( XXXX ) committed a bona fide error when they did not renew the original flood insurance policy for the property owner/borrower. XXXX committed another error by placing force placed flood insurance that exceeded normal market value prices. XXXX committed yet another error when they force placed hazard insurance while private hazard insurance was current on the property. See Attached documents. 
Collectively, XXXX 's errors directly caused the property owner/borrower to go into default because ( 1 ) the payment for force placed flood insurance was raised to an amount not affordable and not reasonable and ( 2 ) charges duplicating hazard insurance were included in the total charges for both unnecessary hazard and unreasonable and unaffordable flood insurances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: BB&T CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
someone used my information to obtain a loan on a vehicle that I have never owned. and it is showing up on my credit after notifying the company that my stolen identity was used to obtain this loan no 0ne would ever respond this is after getting a police report and notarized id theft affidavit as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Certified Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was charged an XXXX bill for XXXX in which this service was covered by my insurance and was covered in my plan and should not have resulted in a debt. I have been continuously contacted regarding this {$1800.00} bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Atlantic Recovery Solutions LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This is n't my debt I did n't cosign or anything this debt is my XXXX child 's debt and they do n't even live with me these people are calling and harassing my husband and I on our home phones and cell phones

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: STATE FARM BANK, FSB
State: OR
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
This is State Farm XXXX. Can you helpI handed XXXX XXXX {$40000.00} to put in to a saving account in XX/XX/XXXX to go with my life insurance so my son would get it if I die. I have Close all of my account with state ( for all of Lies ) as XXXX But for some reason He keeps giving me the run around and will not give me back my money. Every time I call him or his office they tell me it is going to take 7 days I do n't think he planning on paying me back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: BB&T CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Me and my husband opened an auto loan with Regional Acceptance Corporation XX/XX/XXXX and purchased a XXXX Pontiac Solstice for {$12000.00} at XXXX a month. We have previously paid a few payments late but have been catching up everything here in the last few months. We noticed that our balance has changed but {$1000.00} dollars and our payoff is more than what we purchase the car for. I have asked someone from Regional to call me and give me a break down of our payments and how it affects the interest and principal but no one has contacted me yet. We have paid almost {$10000.00} towards this vehicle and it should be about paid off but instead our balance has n't moved yet. We desperately need some assistance on how to file a complaint because I believe we will never get this car paid off as long as we are will this auto company. Please help us!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
This is the closest category to my situation. XXXX XXXX was authorized to withdraw {$200.00} a month from my bank account with my bank. Around Friday afternoon on XXXX/XXXX/2015 a check went thru the bank and was rejected pending manager approval for {$1700.00}. I can not contact the bank manager until Monday XXXX/XXXX/2015 to attempt to plea my case. XXXX XXXX has not contacted me since our conversation last year. At that time they only had permission to withdraw $ 200 monthly from my account. The collection agent was very rude at the time. No further communications have been received from them by mail or phone. No communication was made about a {$1700.00} draft on our account. No communication was made about a forced final payoff. The collections agent scheduled a return call for XXXX of 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
over the years I have tried to pay my student loans, however, Every company that I dealt with has done me wrong. I 've payed on time and sometime early and extra, so these companies response is to change the payment schedule and how the funds are allocated. This in turn, makes me as late or non-payment. The companies are fedloan ; XXXX, XXXX, college loan, XXXX and XXXX/College loan. Consequently, my principle goes up and I will never be able to pay this off, also it negatively effects my credit rating. I tried out AFFORDABLE LIFE PLAN and it has only made it worse. I pay them a fee on top of repaying the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: SUNTRUST BANKS, INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I purchased a house about 5 yrs ago and in doing so I took out an FHA loan at which I was told would protect me in not buying a house with problems, that the FHA loan will make sure everything was on the up & up. Since I been in this house the roof has been leaking as well as the pipes rusted and bad the structure of the house is off. I have had my insurance company look at the house and they wo n't do nothing cause the say it was already there, I feel I was unfairly informed about this house being that I was a first home buyer. I was told differently about this house from the seller when buying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation