BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-09
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a letter from The Northland Group attempting to settle a debt in collection. I responded to the letter requesting proof they were authorized to collect alleged debt via certified letter. They immediately responded saying they returned the collection to XXXX but XXXX is not the original creditor but a collection agency. My credit reports indicate the account in question has been sold multiple times and is being reported to all XXXX credit reporting agencies by XXXX, XXXX and XXXX. All XXXX report inconsistent dates of charge off/collection and all XXXX report inconsistent amounts of the actual debt owed. The debt is being reported on all XXXX credit reports as an active collection even though I have disputed this through the CRA's. Despite my disputes have never received anything materially relevant from any of these companies proving my obligation to this debt. To date I have not had any response from XXXX. I sent a certified letter to XXXX requesting proof of, verification of their authority to collect, and my options to resolve this debt so I may resolve this issue, I requested a response within five days as per law. XXXX signed for the certified letter over one week ago but has had no contact with me and have not given me proof of the debt, my responsibility or options in resolving this matter. I request all communication be done via US Mail and in writing on a company letterhead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: BB&T CORPORATION
State: WV
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2016, I made a mobile check deposit from XXXX, to BBT. The check was in my name and the amount was {$2500.00}. BBT placed an administrative hold on the funds, until XXXX/XXXX/16. Once the funds were released, I learned that they had frozen my savings account where the check was desposited because they believed that the check was fraudulent. I then contacted XXXX, who told me that the funds had been sent, and that there was no way to get the money back. I contacted BBT multiple times and tried to resolve this issue, but as of XXXX/XXXX/2016, my savings account remains frozen, with no XXXX proof that the check was fraudulent. They told me that they had contacted metabank who told them that the check was unauthorized, but when I contacted metabank they claimed that no such call had occurred. A worker named XXXX in the fraud department for BBT actually placed the hold on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had XXXX XXXX and the final bill was paid by credit card over the phone on XX/XX/XXXX and service was cancelled and equipment was picked up by service man at my residence. I moved out of my apartment that day. Company claims I never cancelled service and billed me for 3 additional months. XXXX XXXX did not file a collection notice until XX/XX/XXXXon my credit report. Company claims I owe them {$230.00}. XXXX XXXX sent me a " Notice of Rights '' letter dated XX/XX/XXXX indicating that they received the claim I disputed and stating that if I do n't respond within 30 days they will consider the debt valid. On XXXX XXXX I had a XXXX XXXX in Vermont and subsequently was hospitalized at the XXXX XXXX XXXX XXXX XXXX where I had a XXXX XXXX which can all be fully documented. I was unable to respond to the Notice of Rights due to my 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 2017-02-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
ILLEGAL FORECLOSURE Auction against our home - set for tomorrow, XXXX XXXX, XXXX, XXXX at the XXXX. entrance to the County Courthouse, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. We appeal to the authority of your Offices for consumer protection and investigation of Nationstar Mortgage LLC. 

NO LENDER NAMED on the purported Notice of Default, nor in the XXXX ( expired ) /XXXX NOTICE of TRUSTEE SALE..for an alleged account that DOES NOT belong to Consumer. No records of alleged debt. No " competent and verifiable material evidence '' to prove its claims and its BONA FIDES. Alleged DEBT remains to be in DISPUTE -the issues on its " intentional misrepresentations '' of the nature, character and amount of debt REMAIN to be OPEN. Nationstar could not even agree with its conniving agent Quality Loan as to the amount of alleged debt purportedly owing - with an exceptional $ XXXX variance in its Statement of XXXX/XXXX/XXXX -- - 3 days from Quality 's Notice of Trustee Sale issued XXXX/XXXX/XXXX. 
ALL Nationstar has are documents that anyone could obtain from public records, then stakes a claim against our home by recording its XXXX assignment instrument, purportedly from XXXX in XXXX XXXX, and notarized all the way in XXXX, XXXX! [ Perhaps, XXXX XXXX ran out of notaries ...? ] This instrument of course violates Federal and State Laws - CA Penal Code 115 for robosigning, XXXX HOBR 2924.17 for lack of competent and verifiable evidence to support the same, and then XXXX Civil Code 2936 that provides " assignment of a debt secured by mortgage carries with it the security " Nationstar 's XXXX assignment is of course not supported in any way in its alleged copy of Note in XXXX ( in Court records ) - that is left devoid of any " Nationstar '' marks ... 

ALL THESE and more " intentional misrepresentations of material facts '' and dual meanings per FDCPA ... .as basis for its UNLAWFUL foreclosure auction tomorrow ... for its undue enrichment. 

THANK YOU CFPB for your remarkable efforts in cracking down unlawful and deceitful practices in the finance industry to protect U.S. Consumers from predators who violate laws for their undue enrichment. We trust your investigation of our case would merit an enforcement action against Nationstar Mortgage LLC. [ exhibit files to be faxed shortly ]

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My loan has been in some sort of weird status for over 7 years. There are several issues here. One, in dealing with SPS, they have claimed to be 'working ' with me for many years, however no matter how many documents I send to them they respond by saying they always need more documents, even the ones I have sent repeatedly, and it goes nowhere. The main problem is the loan itself, and how I can go about disputing the entire loan. If I can not work out this issue, where they constantly call saying I am deliquent, or saying they have turned it over to a lawyer, or that I am facing foreclosure or I need to sign short sale paperwork, then I need to fight back against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I 'm a XXXX and tenants deposit money into my checking account with fifth third bank here in XXXX, Ohio on XX/XX/XXXX a tenant deposited {$590.00} dollars into my account, I checked online and the money was listed as being in my account. on Saturday XX/XX/XXXX when checking my account the money had disappeared there was know record of deposit etc ; I went to bank branch I use and inquired about this mistake and was told by banker that money was deposited at branch XXXX XXXX XXXX XXXX, ohio XXXX, by XX/XX/XXXX I had not heard anything nor had my money been returned to me. I personally went to this branch and talked to a XXXX XXXX who is the banker, branch manager was at lunch, she researched and admitted something went wrong with deposit and bank manager would contact me in a day to explain what was going on. so far this is XX/XX/XXXX I have not heard from anyone and when I call to inquire no one seems to have the answer to what happened to my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CITIBANK, N.A.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When my income changed I went to my mortgage company, Citifinancial, and asked for help. I asked that they work with us until I was again employed and could make my payments normal again. They claimed to be looking into what they could do for us and ended up doing nothing. We ended up about 5 months behind. We made those payments and still have no idea how much extra interest we paid. While dealing with them we became aware of some mistakes on our mortgage information. We contacted Citifinancial about this and again we were given the run-around. We asked over and over for information to prove the mistakes and never received the information. We received a letter telling us, we thought, that another office would be handling our mortgage. Turns out they sold our mortgage without taking care of the issues. Now the new company has been told we did not have our payments up to date and are refusing to apply our payments until we catch up the missed payments. We are now three months behind, our mortgage balance is still not right and again are being charged extra interest. This is only the tip of the iceberg that is the problems we are having. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
This credit card company Kohls/Capital One is reporting on my credit report {$1200.00} of debt. I requested proof bearing my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar acquired our mortgage from XXXX in XXXX of 2015 and immediately began showing delinquency of monthly payments, which was not the case. They then began sending me letters indicating payments were missed altogether and further action would be taken to collect the debt if this was n't corrected immediately. sent statements showing two months worth of payments were due even though their own transaction history on the website showed no missed payments and all payments completed. To make matters worse, my credit report now shows XXXX missed payments and several late payments and has ruined my credit worse than it already was. Each month I receive a nasty letter saying my payment has n't been received, even though it has been deducted from my account and shows up on their own transaction history. attempts to contact them have been completely futile as the XXXX or XXXX person on the phone barely understands me nor I them. My last actual conversation with them was a XXXX minute explanation by me of their own transaction report showing all payments made and absolutely no comprehension on their part of what I was trying to illustrate. I 'm ready to sue and have consulted with an attorney on the matter, but my costs will be ridiculous in order to get this matter resolved. Please help if you can to clear this up. I feel as if the company is not a mortgage holder, but a debt collection agency which is trying to squeeze something from me they are not entitled to. I never had a single issue with XXXX by comparison, but these people need to make it right and stop harrassing me about their own incompetence. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Reference cases XXXX, XXXX, and XXXX that were previous submitted and response was disputed, after a review and discussion by phone with the cfpb I am re-submitting new complaints as I strongly feel that federal laws were violated and that the cfpb may have not fully completed a proper review of the response dispute. 

Synchrony Bank never addressed that fact I was not receiving bills and simply stated that the XXXX accounts were charged off and sold to second round and they no longer service the accounts. 

XXXX clearly stated " XXXX XXXX has made it clear he is interested in resolving this matter. We are in the process of negotiating a settlement agreement with XXXX XXXX '' yet to date have never contacted me to reach a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXXI applied for a refinance mortgage with Quicken Loans XX/XX/2015.I was told that there could be a charge of {$500.00} dollars when the loan was approved at a later date. I faxed them the information they requested on three different times, each time XXXX plus pages. Each time I would receive a call it would be from a different person in a different part of the country. within days of applying they took {$500.00} dollars from my XXXX XXXX credit card. When I called to find out what the charge was for, I was told it was for a credit report and an appraisal which did not happen at that time. I asked why was AN Appraisal being done since the add on the TV says they hardly ever need one. then I started getting calls from different people asking for more information, some that I had already sent. Then I was told they had everything and it would be closing within days. A day or so later I got a phone call from yet another person asking for more information. At that point I made XXXX phone calls to XXXX different people telling them to Pull the Loan that I was not going to try any longer to get the loan. I also sent a Fax to another person stating the same thing. then I started getting Phone calls from several different people trying to change my mind. I asked again about returning my {$500.00} dollars and received several more calls still they were trying to move forward with the loan. One of the calls they talked to my wife and told her they would return {$250.00} dollars.Then today I received another call still trying to move forward with the loan asking me what they could do to { fix } things. when I told her that it was pulled and I was told I would get {$250.00} dollars back she said that I would not get anything back. After a lot of talk she said I would get {$130.00} back. I am so angry with everyone at Quicken Loans I just want my {$500.00} dollars back and get them out of my life .They changed their story so many times I do n't know what to believe and I do n't think they act very Professional at all .They say in their TV add that they close in 30 days on most loans and my loan was not difficult at all and we were not close to closing as they still wanted more information. Thankyou for looking into my problem

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a pair of XXXX XXXX boots from XXXX XXXX XXXX through Paypal on XXXX/XXXX/15. The boots were {$550.00} plus a {$25.00} shipping fee but I never received the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citi Gold account online and entered promotion code XXXX. where I would receive XXXX XXXX XXXX bonus miles points after completing certain requirements. On XXXX/XXXX/XXXX, I received a letter from Citibank confirming that that the promotion offer is attached to my application and confirming that I would receive eligible for the bonus. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and I have kept XXXX with Citigold account so that I am not charged with monthly fees associated with the account. 
A follow up email and phone call with Citibank confirmed that the previously stated requirements were met. Citibank sent me an email on XXXX/XXXX/XXXX stating that I have meet ALL the requirements for the promotion and have asked me to wait for 30-90 days for the points to added to my AA accounts. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited, Citi has not add the AA bonus miles points to my AA account. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.

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 2016-03-28
Company: BB&T CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I entered into an agreement with Regional Acceptance in XXXX to finance my car. I did not realize that the cost of this loan would be more than double the cost of the car ( and I do take responsibility in not reading the paperwork fully prior to agreeing ). I recently noticed when reviewing a few statements that the way things are being done will cause me to be paying for more years. For example, XXXX XXXX my balance owed was around $ XXXX and XXXX XXXX my balance owe sits at around $ XXXX. So after paying $ XXXX monthly in 3 years my balance only goes down about {$1500.00} per year? This is scary! I am a single parent already struggling and I definitely need my car to keep working. I do appreciate the company working with me since I fell behind on payments after losing my job of 15 years and I am still working towards getting back on my feet. But I am so confused as to how it is taking me so long to pay off my car since XXXX. I was only able to pull up my statements starting from XXXX XXXX to recent. I do not have anything before XXXX XXXX. I am really trying to understand and grasp the best way for me to get out of this hole. Again, I do not want to cause any uproar because I truly need my car to live and I am trying and pushing on a monthly basis to pay the monthly amount but at this rate it looks like I will be paying for 5 more years. How is this possible?

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 2016-03-17
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
A person calling from XXXX telling from quicken loans called me, I suggested not to go for refinancing now, called my wife and told your husband is ok with the loan from us and your husband has told to take the Social Security Number from you. So we are calling you and provide us ure husband social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank cashed a check with no endorsement or tracking information. Bank cashed check on XXXX XXXX. I ask for a copy of the check, when the party to whom it was written informed me that he had not gotten it. I received a copy of the check XXXX XXXX. 
XXXX XXXX, I called Citibank to inform them of the fraud. I received a complaint number, and was told that an affidavit would be sent by mail. I called many times, because I received no affidavit. On XXXX XXXX I was told I could go to any branch and fill out an affidavit. XXXX XXXX I did so. XXXX XXXX I called Citibank for an update and was told they did not receive the affidavit from the branch. They say they are sending the affidavit again by mail. They say this could take 90 days to resolve. Why? This was my rent check.

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 2016-06-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I set up automated payment plan with XXXX XXXX ; however, they failed to deduct moneys from my checking account and assessed me a late fee and my minimum payment went up to {$95.00}. When I contacted their customer service department on XXXX/XXXX/2016 ; representative XXXX confirmed that I had auto-payment in place ; however, it would not take effect until XXXX/XXXX/2016 due date payment. I set up auto-payment in XXXX. XXXX stated he could not reduce my minimum payment.

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