BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check for {$800.00} on XX/XX/2017, I did not know until XXXX/XXXX/2017 that a charge-back was going to happen with that check on XX/XX/2017. Since I had used some of the {$800.00} against ( what I did not know was a negative balance ) On XX/XX/2017 I deposited {$800.00} in cash from my personal funds to cover everything that was pending, but an administrative hold was put on THAT {$800.00}. Overdraft fees were charged while transactions were pending instead of when they posted. That caused a domino effect for several other legitimate transactions to be returned unpaid and more OD fees. As a veteran-owned, and woman-owned Small Business solely supporting my XXXX with my personal funds, this has caused irreparable, unfair, and unnecessary harm to me, my business, and my family. 
The action BB & T took, placing an Administrative Hold my small business checking account, was unfair. It may not be against Federal Reserve policies, but the reason I feel that this is a dire situation is because there are other scenarios that could easily happen that could very easily permanently cripple a small business like mine. Examples of other instances were this could happen : 1. XXXX does an account verification by making XXXX small deposits ( approx. XXXX cents ) and XXXX withdrawal of those XXXX amounts. That XXXX small withdrawal can cause an avalanche of fees starting with just that XXXX small withdrawal costing {$36.00}. 
2. I stop for gasoline while on a trip to deliver a quilt. The gas station places a {$1.00} hold on my debit card. If I do not know that there has been a charge-back and I am in the negative with my available balance - that {$1.00} hold has just cost me {$36.00} and then the actual amount for the gas will cost me another {$36.00} plus everything else I have paid for with my debit card that day. 
Those are just two examples of how this practice can cause us harm.

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 2017-04-29
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am filing a complaint against  Cavalry Portfolio Services, LLC,    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  NY  XXXX  ( or  XXXX   XXXX   XXXX   XXXX , NY  XXXX  ), which has been harassing me since   XXXX   XXXX   claiming I owe them an amount of {$18000.00} on an account #  XXXX  I never initiated with them. They sent multiple demand letters to me and then notified the credit bureaus of my obligation to them, which is not valid. This has subsequently damaged my credit and prevented me from purchasing a home or obtaining other credit.     On   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   I sent Cavalry certified letters requesting validation of this debt in the form of a contract with my signature showing I entered into an agreement with them. They were initially evasive claiming my request was not clear and then finally provided their version of proof of validation, which were old credit card statements not having any connection to them and therefore is not valid proof of any obligation.     They have inaccurately claimed they treated my request appropriately pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, which states they have the obligation to produce verification of my signature and any documents showing I entered a financial arrangement with them. They have been unable to produce proper documentation and have reported false information to the credit agencies that I owe them this debt and as such are in violation of these laws. I am requesting they cease their attempt to collect a debt I do not owe them and have the credit agencies remove those items from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received a Notice of Default and Right to Cure from Select Portfolio Servicing, addressed to me, instead of my attorney, dated XXXX XXXX, 2016, and received on XXXX XXXX,2016. This letter will be furnished to CFPB, upon request. This is Improper Contact, for the THIRD TIME with me ; see Former Complaints to CFPB by me and my attorney. In their last response to CFPB, they stated they would not contact me instead of my attorney. Obviously, they feel they are above Consumer Financial Protection Laws, and fear no consequences. My resolutions to this Complaint is that they, SPS, 1. contacts my attorney, instead of me, and 2. that SPS immediately stops alleging that XXXX XXXX is the Trustee on this fraudulent loan. XXXX XXXX is currently involved in a lawsuit and investigation brought!. by the United States Department of Justice, concerning their fraudulent loans.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been asking my service mortgage provider to show me proof of monies distributed for servicing this morgage after a modification was agreed upon. Now they are trying to collect on this money even after i agreed to {$32.00} in interest and other fees. I am disputing XXXX and additional {$730.00}. Totaling {$3600.00}. i have been asking them for proof of this since XX/XX/2015. I am still waiting till this day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was recently discharged from a Bankrupcy ( XXXX XXXX ). As soon as the discharge was ordered, Select Portfolio Servicing stated sending harrassing letters & calling saying that I had missed a payment during my bankruptcy.I have provided them a copy of the check of the month in question, but they have been unable to resolve the issue. Further, when Select Portfolio alleges that I missed a payment, is the same month when Select purchased my mortgage from XXXX loan servicing. I contacted XXXX on XXXX XXXX, XXXX & was told by an agent, that she was unable to pull up my file since it was so long ago. This has been quite frustrating, as I have not missed a payment on my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Recovery One, LLC
State: OH
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 woman is Caller ID Spoofing my husband 's cell phone number so I think it is him calling. When I answer she wants me to pay a debt that does not belong to me. She says my husband 's company owes it. I do not know how she even got my number as I am not associated with his company. She has stalked my XXXX page, threatened to sue me, called relentlessly and I have asked her not to call. It 's not my debt. She says she is going to call me every single day until someone takes care of it. She even told me to go steal the checkbook and write them a check!!! I find this pushing collection a little too far!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I only called Experian Credit Reporting agency to discuss my issue. Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a student loan that is in forbearance with XXXX XXXX. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX with my student loans showing they are in forbearance. I like to address the issue of Experian dropped my credit score while my student loans are in forbearance. The reason they say they dropped my scores because of a credit decrease was reported. On a student loan you can have decrease but my scores should have moved up not down. Also, a credit decrease happen on the limit amount but this is a student loan that does n't happen on student loans. I like to provide you the information that my loans are in forbearance.

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 2015-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. I HAVE APPLIED FOR MORTGAGE ASSISTANCE AND I BELIEVE THAT MY SERVICER, SLECT PORTFOLIO SERVICING ( SPS ), DECLINED MY REQUEST. SUBSEQUENTLY I APPLIED FOR A SHORT PAY. SPS WAS PROCESSING MY SHORT PAY REQUEST AND WHILE PROCESSING MY REQUEST, SPS SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2015. NO WRITTEN DECISION ON THE SHORT PAY REQUEST HAS BEEN ISSUED BY SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of 2014 I moved out of state and put my home up for sale. After almost a year of not receiving any offers, my realtor suggested that we do a short sale. In XXXX of this year, we received an offer and I filed an application with Quicken in XXXX for them to give approval for selling the home below the loan amount. I was told that I would first have to go through the application process to see if I can stay in the home. I told them I had already moved out of state and had no interest in keeping the home. They insisted that there is no way to skip this step and that I would have to wait a month for that portion of the application process to be completed. After submitting documents to them on several occasions, I was finally given an answer two months later in XXXX that my application was rejected. In the meantime, the buyer for the short sale walked away from the sale. They then asked me to submit the same exact application to be considered for a short sale. I resubmitted the application in XXXX. I was told that it would be another month to process. Then, if they accept to short sale the home, I would have to put the home on the market for another 120 days. If, in that time, I receive an offer that is below the acceptable amount, I would have to wait for them to do another review to consider accepting the offer with could take another month. In the meantime, I am still expected to pay for a mortgage I can not afford. In all, I would have waited almost 9 months for them to make a decision. Also, I could still be rejected for the short sale of the home, I would still be expected to pay the mortgage after waiting so many months to get some help, which this company is obviously in no hurry to provide. Every time I ask when the process will be completed, they refuse to give me a date, so I am waiting in limbo with no end in sight. There is no urgency by this company to help its customers. This process almost guarantees that the homeowner will face foreclosure. If I had known this, I would have stop paying the mortgage over a year ago and saved myself the time and effort of trying to submit all the documents and expecting a decent response from the company. It would have saved me thousands of dollars and all the headaches since they are going to force a foreclosure anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I believe that I was charged an overdraft fee by BB & T when my account had the funds to cover the charges made. I made a purchase on XXXX, XXXX transactions on XXXX, and XXXX transactions on the XXXX. When I made the purchases on the XXXX and XXXX, I had the funds in my account to cover these purchases. As of XXXX, the transactions made on the XXXX and on the XXXX moved to posted ; meanwhile, the transactions made on XXXX were still pending. BB & T charged me XXXX separate overdraft fees of {$36.00}. XXXX overdraft fee for each purchase : the transactions made on XXXX and the XXXX on 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 2022-06-03
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of Oklahoma the first thing I let go back on XX/XX/XXXX for a withdraw of {$1300.00} from account XXXX to correct a debt that was my ex husband 's to bank of oklahoma. I went in to open an account they told me no to call a debt collector because I owed money. I called they had no record of me being on the account. I went back in a week later and they said the debt was cleared or they wouldn't have let me open the account. On XXXX they withdrew the funds with no notification after both companies told me they did not have my name on debt owed. I let it go. Now I have another problem because they did not close an old account. I deposited a check to XXXX on XX/XX/XXXX from a XXXX settlement. Following day on XX/XX/XXXX I went into XXXX branch to close the account ending in XXXX & open account XXXX. I transferred {$1900.00} to this account and closed account ending in XXXX. I signed papers to open the new and close the old. The old account has not been showing on my banking app till today XX/XX/XXXX it showed my paycheck from XXXX XXXX deposited but also fixed debt I had no idea about, because the account was supposed to be closed! & then I had to fix the debt on the new account XXXX that I was aware of. Because I have been in the middle of snowballing with bills because of the first initial withdraw XXXX did to take care of my ex husband 's debt back in XXXX of XXXX. They have record of me trying to find out what was going on we were at the broken arrow branch for over XXXX hours to figure things out & they still refused to refund the {$1300.00} even though it was not my debt. & now I have other fees that should of never went through on account ending in XXXX because it was a closed account. I am entitled to {$1600.00} from account XXXX XXXX XXXX XXXX XXXX combined Anything posted on account until XX/XX/XXXX I was aware of & even okayed with XXXX I even went back to the XXXX location and they said they have no record of me signing to close the account ending in XXXX because they no longer require it. I was asking for the copies of the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Let me start out by saying that I love USAA bank and even after what has happened will probably continue to bank with them. I am just shocked by what happened. On   XXXX   XXXX   XXXX   I reopened a checking and savings account that I previously had with USAA. I have been a member since  XXXX . Upon opening the account I also opened a Secured  XXXX  Credit Card account that is attached to a CD. I deposited {$30.00} in checking and {$30.00} in savings. On   XXXX   XXXX   XXXX  , I noticed the money I had deposited into my checking and savings was gone and my checking and savings account had been closed. I contacted  USAA  and was advised by a service rep that I had a balance and they took my money. I then advised the rep that I filed a bankruptcy in   XXXX   with  USAA  listed for banking and auto/Case  XXXX . The rep advised me that upon opening my account I signed some type of disclosure statement indicating that they could collect any money owed. I was never notified that I owed anything to  USAA  after bankruptcy. They have never contacted me about any debt which I thought was normal due to bankruptcy. I was shocked to know that they took my little bit of hard earned money right out from under me without any notification. Because I love the bank so much I probably would have still just paid the balance and reopened my account at a later date if they informed me of what was going on. I feel like I was misled and was saddened to know that USAA would allow something like this to happen without any notification to me, the consumer. Why even allow me to open an account if I owe a balance. Just really disheartened that this has happened. I am trying to rebuild my credit and buy a home. USAA was going to be my bank where my savings would go. My first {$30.00} towards savings is gone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12
Company: Trident Asset Management, L.L.C.
State: NH
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 have received multiple calls, some very late at night, from Trident. I finally called back and they answered " Hello? '' Hardly sounded like a legitimate collections agency. They claimed I had a debt in collections from a bounced check. This check was never written by me, and was supposedly written to XXXX stores in XXXX XXXX, as I was living in XXXX. I explained that this was not my check and it must have been made fraudulently. They claimed it was my responsibility. I called my bank and they have no corresponding check with the check number I got from Trident ( after pushing them ). I also called the bank that they said requested my debt- XXXX XXXX. XXXX had no idea what debt I was referring to and stated I had no debt with them. Trident is collecting false debts that are not validated or actual debts. They did not give me a license number when I requested and instead hung up. They were extremely unprofessional and do not seem to be a real company. They did not verify the debt in my name in any way but knew my social security number It is very concerning. I do not owe anything and do not want this on my credit report, as I have not collected a debt anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-10-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A few months ago I finally took a look at my credit report noticed that I had some negative accounts on there that were not mine. So I immediaitely begin to contact the debt collectors get them to verify this debt they say I owed them and could n't get any real answers. So I then begin to dispute the negative account with the credit bureaus and it was like talking to a brick wall. They would not respond and when they did, they would keep giving me the same answers that they " updated and verified that it belonged to me. This is outrageous and downright criminal in my book how someone can just list things on your credit and ruin your life. I 've tried hard to keep my credit in good standing. Now I have lost job and housing opportunities because of this. I have sent XXXX separate dispute letters to them and its like i 'm just wasting time and money with these people.

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 2022-06-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX/DEPT of ED # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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