BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Apparently my mortgage was sold to Carrington Mortgage Servicing by XXXX XXXX XXXX. I have received NO correspondence of any kind from Carrington and I am outraged. I have no loan number, no information whatsoever. I have called them on 4 separate occasions ( XXXX ) XXXX only to hold for customer service for 36-58 minutes when the call was disconnected. I have never been so angry in my life, this is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Credit Protection Association, L.P.
State: TX
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 have asked Credit Protection Assoc. to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: Worldwide Processing Group, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from someone named XXXX. The recorded message says to call them or they will contact family members concerning an unknown debt. I did some digging and found this is coming from a company called XXXX which is part of World Wide Processing Group llc. Neither company have a state license to operate as collection agency from the state of XXXX. This is illegal contact under federal as well as state laws. If they have anything that is legal then they should send a letter to be within the law. No company can attempt to collect a debt from a citizen of XXXX without a state license to operate as a collection agency. These XXXX companies are in violation of XXXX state law simply by calling me. I would like to see them in court here in XXXX County XXXX where I live. I believe because of the illegal tactics used that anything they think they may have will not stand up to the light of a courtroom.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Experian Information Solutions Inc.
State: LA
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 have no knowledge of this credit account XXXX XXXX XXXX XXXX opened XX/XX/2016. Please investigate to ensure there is no fraudulent activity.

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 2016-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had XXXX Capitol one credit cards, as you can see if made reg payments on both, I became unemployed and I noticed that I saw charges on both I never made. I tried disputing them with the credit card holder. My account was sent to XXXX and then to XXXX XXXX XXXX, I tried explaining what happened and the attorney for XXXX XXXX would n't let me explain, hence I have something filed at the court house in XXXX county, NC. I am trying to fish my credit, but hard to get anyone to follow through. Can you help. Me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On or about XXXX, 2015, I was notified that there could potentially be fraudulent activity on XXXX of my capital one credit card accounts. At that time, I spoke with a representative and confirmed that it was fraudulent and a case was opened for both accounts. To date, I have been unable to reach the representative handling my case and I am told every time that I call that I must speak with her and then I am transferred to her voicemail and I never receive a call back. The fraudulent charges have not been removed from my account. I refuse to make a payment for charges that are not mine and Capital One is continuing to charge interest and late fees on both accounts, in addition, these charges exceeded my credit limit by twice the amount and now Capital One is reporting this information to the Credit Bureau and it is ruining my credit because it is showing my payments are late and that I am over the limit on both credit cards. I 've reported this information to the company and yet they refuse to remove it and offer no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We agreed to a settlement via phone with Capital One and she set up automatic withdrawals from our account. We paid the final settlement payment XX/XX/XXXX. In XX/XX/XXXX I later received collection calls for the same account that was settled XX/XX/XXXX. I checked my credit report and it showed my settled account was not paid. I called Capital One and they said they did not receive any payments. Where did our payments go? Capital One automatically withdrew the agreed amount per month from our account. Our check copies showed receiver is Capital One, the account number, and date. I faxed copies of my bank statements and a copy of the last electronic check to Capital One and the collection agency. How much proof do they need? The collection agency, XXXX XXXX, denied my proof until I receive my settlement letter from Capital One. Capital One is still investigating and said they usually do not call to make settlements. Then they said they received the last payment on XX/XX/XXXX but it got returned so they could not do a settlement letter. According to our records the check was paid and posted to Capital One, because we did not get charged a bank fee and it was electronically withdrawn on the scheduled date on time, which is the XXXX of the month. First they said they did not receive any payment but now they are saying something else. I told them maybe they tried to get an extra amount realizing it was the last payment. I faxed them the copy that the XX/XX/XXXX check went through. Our statement showed no return fees. Everything was paid on time. I need assistance in getting a settlement letter and to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I recently had repossession of my vehicle, The vehicle was under mine and my wife 's name. I went through a divorce. Never spoke to her. She had the car for 2 years without making a payment..capital one never contacted me ..until a a couple of months ago. When the repo man came to the door.. he was looking for the truck and told him my ex wife has the truck. I ended up getting the truck back and called capital one and told them what had happened. The rep said that if I can pay on it for 12 months that I would get the title and the car paid off. I was happy to work out the plan because it seemed very nice for them to work with me and understood my situation. After paying on the car for 4 months on time..they repo ed the car and told me that I would need to pay the whole balance to get the car back ... I think this was hugely miscommunication with me.. now I have a repossion on my My credit report. And trying to buy another car is very tough. I felt I was done very wrong and violated numerous laws.. please help! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have been a victim of fraud on my account XXXX times in one year from Captital One 360. Each time, I am required to wait up to XXXX hours for pending payments to post so that I can then dispute them. I am left without funds in my account for the same amount of time. I have repeatedly ask Capital One 360 to change my primary contact number to my mobile number so that I am immediately notified of any fraudulent activities. I also receive no compensation for any loss of time or inconvenience being caused by the repeated fraud this bank allows to happen on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: LEXISNEXIS
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This complaint concerns a credit reporting agency LexisNexis case # XXXX I requested my credit file from them over 8 months ago and have not received my credit report from them to this day XXXX LexisNexis sent me a letter stating they could not identify me as being who I am. and asked me to send them my identification and address in which, I did send them my drivers license with the correct info and my correct address. That was 2 months ago and still have not received my consumer credit file from them. I would like the CFPB to do what needs to be done to shut this agency down or take further action against this consumer credit reporting agency for the consumers. Thank you for your help I will wait to hear from your office concerning this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: BB&T CORPORATION
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It 's BB & T calling every morning at XXXX in an attempt to collect a debt for a charged off account. This phone number does not belong to the person owing the debt, but does belong to a relative of the person. It 's annoying because its not a live person but a recorded message. Please stop these calls

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). the lender has also not allowed the clients counsel to assist the client in retaining the home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Name of the product or service involved. - REFINANCE The dollar amount in dispute. - {$400.00} APPRAISAL FEE The date of the transaction. - XXXX/XXXX/2016 Identify your attempts to resolve the issue ( s ) with the company, corporation, or organization. - I COMMUNICATED WITH QUICKEN LOANS MY BELIEF THAT I WAS N'T TREATED FAIRLY DURING THE REFINANCE LOAN APPLICATION PROCESS, IN PARTICULAR, IN THE HANDLING OF THE ENTIRE APPRAISAL PROCESS. ESSENTIALLY MY GRIEVANCE WAS THAT I MAY HAVE BEEN A VICTIM OF A " BAIT AND SWITCH '' TACTIC. IN SHORT, BEFORE I APPLIED TO REFINANCE WITH QL, I SHOPPED AROUND FOR THE BEST DEAL AND SHARED QL 'S LOAN ESTIMATE WITH MULTIPLE LENDERS. THE FEEDBACK I RECEIVED FROM THE OTHER LENDERS WAS THAT THE XXXX PROVIDED BY QL WAS BELOW MARKET AT THE TIME AND TYPICALLY WOULD REQUIRE PAYING POINTS TO BUY DOWN AT QL 'S QUOTED RATE. I ELECTED TO MOVE FORWARD WITH QL IN GOOD FAITH. AS THE APPRAISAL PROCESS UNFOLDED, THERE WERE RED FLAGS. IN PARTICULAR, THE APPRAISAL COMPANY USED ( XXXX XXXX ) IS AFFILIATED WITH QL AND BOTH XXXX AND QL ARE OWNED SUBIDIARIES OF XXXX XXXX XXXX AS THE APPRAISAL PROCESS UNFOLED, THE OUTCOME WAS ME BEING CHARGED POINTS FOR THE LOAN WHICH TURNS OUT TO BE WHAT THE LENDERS FORETOLD ME. I SHARED MY CONCERNS WITH QL AND REQUESTED FOR A REFUND OF MY APPRAISAL FEE DUE TO THE POSSIBLE CONFLICT OF INTEREST BETWEEN XXXX AND QL. UNFORTUNATELY, WE WERE NOT ABLE TO COME TO A SATISFACTORY CONCLUSION. I HAVE ELECTED TO WITHDRAW MY REFINANCE APPLICATION AND PURSUE RECOURSE SUCH AS THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Nationwide Debt Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sometime in 2015 a company representing itself as Nationwide Debt Management Solutions began leaving messages on our home phone saying we needed to contact them about an unpaid debt. Suspecting it was a scam, we ignored it. Now they 're leaving messages on the cellphones of my XXXX sons, compounding the harassment. I have refused to call them to discuss anything because if my wife and I owed an unpaid debt, I 'm sure we would have heard about it from the creditor, which we have not. 
I would like to know if this operation is a legitimate debt collection agency, or if it 's a hustle preying on weak and uninformed citizens. 
The call-back number they leave is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I did call for cancel this account on XX/XX/2016.and give them new address for the last bill.but they never send me the last bill I thought I do n't them money.finally they put me on charge off condition without warning letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
chex systems reports that i have deliquent bank accounts. I filled bankruptcy XXXX chapter XXXX included all bank accounts. now im on my feet and cant open an account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Northland Group Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to receive collection calls for " XXXX XXXX '' on my personal cell phone, but I am not XXXX XXXX nor is my number his. I have received calls from multiple collection agencies over the past 2 years or so - typically around the beginning of the month. Most recently I received calls on XXXX/XXXX/16 and XXXX/XXXX/16 from Northland Group for " XXXX XXXX. '' I have also received calls in the past from XXXX XXXX XXXX, XXXX XXXX and XXXX, to name just a few. My number is on the Do Not Call Registry and I continue to inform collection agencies that they have a wrong number. But then the next month the account gets sold to another collection agency and the calls start up again. On the most recent call with Northland Group, the manager admitted that I was robo-dialed, even after I had asked to be removed from their list.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I tried to lower my monthly payments based on my salary and working for a XXXX. Navinet would only give me a forbearance and added on more interest. Unwilling to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our Loan was recently transfered from XXXX to XXXX which we received notification for in XXXX, We made 2 payments to XXXX and when we went to Pay for XXXX 2016 their web site stated there was no payment due, Today I was finally able to get thru to them and they stated that they had sold the loan to BSI Financial Services, I asked when they where going to let me know and they said they send a letter, I told them I never received a letter so they looked it up and found out that they had put the wrong address on the letter, so they are resenting another letter today, I have not received anything from BSI as of yet. I am in hour XXXX on hold awaiting a customer service rep for BSI to track down some information so that I can pay on my mortgage. Do I have any rights here or will there confusion cost me more money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged {$26.00} by a merchant. I did not receive any supporting documentation for this charge. After contacting the merchant and asking for supporting documentation, I was told that the merchant had none. However, the merchant still refused to refund my money. 

I filed a dispute with card issuer, Capital One. They initially credited the amount and asked for more documentation. I filled out the documentation and sent it back. 

Without contacting me, Capital One rebilled the {$26.00}. I contacted them, and they refused to reopen the dispute. Capital One claimed that in order to win the dispute, I needed to provide a receipt from the vendor showing an amount different than {$26.00}. I explained that I received no such receipt from the vendor at all, which was the issue in the first place. The vendor should have to provide documentation for the charge in order to win the dispute. 

Capital One admitted to not conducting an investigation with the merchant or even contacting the merchant at all. They simply applied the charge because I could not prove a negative ( i.e. provide a receipt which did not exist in the first place ). This is in breach of their duty to conduct an investigation of the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-20
Company: Advance America, Cash Advance Centers, Inc.
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was first contacted on XXXX XXXX, XXXX by an Agent XXXX that said she represented Advance America PayDay Loans in XXXX, XXXX. I had received a loan from that location in XXXX and had paid on it several times until I could no longer afford it. I later relocated to XXXX. Agent XXXX had my previous address in XXXX and stated that they were filing charges to have me arrested and would be putting me in jail if I did not promise to arrange payments through my bank to her. She called me again XXXX XXXX, XXXX and threatened to have me arrested at work. I agreed to set up payments and was scared beyond explanation. I later found out that they could not do to me what they were saying and canceled my bank card to stop payment. She then called and threatened me again and I informed her that I was aware of my rights and she could not scare me anymore. I have XXXX recordings of her calls. the number that she called from was ( XXXX ) XXXX. During this time, they called my mother in law and told her that they needed my information ( they did n't have it at the time ) in order to press charges against me. After canceling my bank card, the phones calls stopped until XX/XX/XXXX. I was recently contacted by ( XXXX ) XXXX and they left a message for myself and on my husbands phone stating I was wanted for Check Fraud. I returned the call today, XXXX XXXX, XXXX, at XXXX EST to find out why someone would be calling me and saying I committed check fraud ; I do n't write checks and they had used my last name from 7 years ago. When I called, I spoke to a XXXX XXXX. He stated he was calling in regards to a check fraud situation regarding XXXX XXXX ( my bank from 7 years ago ). After further conversation, he stated he represented Advance America and was going to file charges against me and take me to court on check fraud charges. I stated to XXXX XXXX that I was aware of my rights and that I would be filing a complaint against him for threatening me in the attempts to collect this debt. Also, XXXX has a time barr of 6 years. I stopped payment on this debt XX/XX/XXXX. After our conversation, XXXX XXXX company contacted my sister in CA at around XXXX Pacific CT and made an attempt to embarrass me in order to get me to cooperate. A message was left accusing me of fraud on my sister 's cell phone. They then proceeded to call my husband 's cell phone at work at XXXX, XXXX to leave messages accusing me of check fraud and that they are beginning court action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card
Issue: Payoff process

Complaint:
I 've had this account since 2011. Not one time has a payment I 've made ever been returned back to capital one. The last two times in a row now that I 've made a payment, capital one has placed a hold on that payment, effectively freezing a large portion of my money. It has left my bank account, yet held by capital one and I am not allowed access to that payment. Each time I have to make a phone call and go through a lengthy process to release my payment. This second time, I was transferred to a supervisor and actually told my payment was being held because I pay my debts more than once per billing cycle. Seriously, I am being penalized because I actually pay off my balance more than once per month? Each time I have called, they have released my payment and then had the nerve to spin the conversation as if somehow they 're doing me a favor. If my payments can be released with a phone call, then why are they being frozen in the first place?

Company response to consumer: Closed with explanation