BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-11
Company: QUALITY ACCEPTANCE LLC
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Auto loan was different from the price agreed upon. 
Lost track of many payments, reported to credit bureau of " late payments '' and involuntary repo although I surrendered my car to them and have n't missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: BB&T CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a {$55000.00} loan against my current home which has no mortgage. I went to my local BB & T branch to do so but they called a dept. in another state. While at the branch the loan officer on the phone took information and was made aware that I was a long time customer. He told me what information he would need. I gathered all the info, took it back to the branch the next morning where they scanned and emailed him the documents. I asked that he rush the loan through. A week later he called and asked for all the same info again. He had let it sit for 7 days without doing anything. The loan finally made it to the appraisal process. BB & T made the appraiser aware of it on a Tuesday, he came on Friday and submitted the appraisal to them on Sunday night. Another week and a half went by. The loan officer asked for XXXX more pieces of info she said was supposed to be attached to the home. The appraiser had asked for the same info and was given it from a file I kept on the home, he took a picture of it and said I had everthing he needed. By this time, 22 days had passed. On XXXX XXXX, 2016, I sent an email asking BB & T to cancel this loan application as I had obtained a loan at a local credit union. Five more days later, she responded, 'Okay, thanks for letting me know '. When I received the appraisal in the mail, XXXX of the pictures was not even of my house and XXXX of the comments was not describing my house. 
On XXXX XXXX I received a Reason for DENIAL form letter with a check mark by Value or Type of Collateral Not Sufficient. I contacted the original loan officer who told me that wether they deny or I withdraw a loan, they mark it as a denial. For example, since I did not submit the document they requested because I withdrew the application, they mark it as a denial because documents were not submitted. After further questioning he said Federal Guidelines dictated this. The FDIC has confirmed that this is not correct. BB & T should have listed this loan as a withdrawal by the consumer and that is what I want them to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
American Express Company has closed my American Express Serve account. My account was closed with XXXX dollars in it. They have violated their Terms of Service because my account was closed with funds in it. My account was not a Sub-Account, it was the Primary Account. I please ask that American Express Serve return my funds which equal to XXXX US dollars to me as soon as possible. 

According to their Terms of Service, found here : ( XXXX ) states the following for Section XXXX : Suspension of Use ; Cancellation ; Closure. 

We, in our sole discretion, may limit your use of, suspend or terminate your privileges with respect to your Account ( including your Reserve ), Sub-Account, Card and/or Sub-Account Card with or without cause or notice, other than any notice required by Applicable Law. We will only close your Account if there are no funds remaining in your Account ( including your Reserve ) or Sub-Account, unless you specifically instruct us to close your Account or Sub-Account with funds remaining, in which case, any remaining funds will be escheated to the applicable state in accordance with Applicable Law. Closure of your Account will prohibit your access to the Service. 

This is the email I received from American Express Serve Team : Card Number XXXX : Hello XXXX During a recent review of your American Express Serve ( R ) Account we noticed activity that was in violation of the Serve Member Agreement, section : Section XXXX to the violation, your Account has been closed. 

If you have any questions, please call Account Protection Services at XXXX. 

Thanks, The American Express Serve Team

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: MA
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:
Last XXXX I've sent disputes regarding to those unknown and inaccurate accounts on my credit report its over 30 days but I haven't received any response. I am a victim of Equifax Data Breach. I Demand to DELETE those accounts ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Services ( SPS ) is my mortgagr lender. In XXXX XXXX I applied for a loan modification, and they granted me a trial modification, from XX/XX/XXXX-XX/XX/XXXX. Despite making the required payments, they dropped me, and on XXXX XXXX declared me in default. Since then they have harassed me with field service inspectors coming to my home ( 3 times last week ). 

In a phone call today they stated that they have no contractual obligation to grant me a permanent modification even if I make the payments. They said in a letetr I was in default unless I paid 3 months of payments of about {$3700.00}. Their phone staff have stated that if I pay one installment of XXXX it would delay my default, but they will not confirm that in writing, and it turns out it is a false statement. 

They delayed posting a payment by 3-4 business days in order to cancel the trial modification. I believe their motive is that they want to get out of the deal and obtain possession of my home because it has strong positive equity. 

They posted my last payment XXXX/XXXX/XXXX, and did not apply it to the trial modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Automatic draft of XXXX submitted bank charged XXXX for returned item, then another XXXX for an over draft. Item retried under automatic and again another XXXX OVER {$400.00} worth of charges.

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 2021-01-26
Company: Penn Credit Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have never missed a payment or a bill with any company and i noticed in XXXX of 2019 that i had a collection on my credit report from a company that i had used for water. I never received a bill from them when my service ended or i would've paid it immediately so it never should have been on my credit report to begin with but when it came to my attention i immediately called them and paid it. The lady on the phone assured me that by paying it it would be removed from my credit report. It never has been and every time I call them to ask why they tell me that it shouldn't be there and even the people at XXXX tell me that since they've been paid that it should no longer be on my credit report. I have tried repeatedly to get this removed by talking to the company and by sending disputes to the credit bureaus themselves but had no success. Please help me as this is keeping me from getting the best rates on a home loan currently. Thanks for your help. Anything you can do would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AARGON COLLECTIONS AGENCY ( XXXX  XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I was contacted by a dept collection company named XXXX XXXX XXXX from XXXX, NY. They called me posing as a government official within my county stating that they are serving me papers for a law suit to my home. I contacted the county and come to find out that its not true. They also are impersonating a fake law firm called " XXXX XXXX XXXX & XXXX. They mislead me into making a payment to them stating that they were suing me and I would like to bring this matter to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
. I was going over my consumer report. I saw that I had a collection by National Credit Systems, so I sent a debt validation according to 15 USC 1692 ( g ) ( b ) to verify the debt obligation. Also, included in the letter was a cease and desist all reporting notice. They responded with a letter saying that they adjusted the debt due to their investigation which brought the alleged debt from {$4500.00} to {$2000.00}. Which mean they were furnishing misleading information according to the FDCPA in the beginning. Furthermore, attached to the letter was a summarized resident ledger from the alleged original creditor XXXX XXXX XXXX showing that account was paid off on XX/XX/19. In North Carolina, the statute of limitations for automobile loans, installment loans, credit cards and promissory notes is three years. The account # XXXX is still showing on my consumer report. It is a fact, National Credit Systems has been reporting false, inaccurate information on to my consumer report which has caused me and my family severe harm and damage my reputation due to negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: BB&T CORPORATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed a complaint years ago and it was resolved, BBT Bank closed the account and did not send me the money .Bank account was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The money was never recovered nor did the bank did me a refund.

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 2021-01-26
Company: The Bureaus, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Bureaus is reporting inaccurate info on my credit report and i have sent 609 611 for verification and no response for the ammount of {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: MRS BPO, LLC
State: IL
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 recently received a bill from XXXX stating a Previous Balance of {$470.00}. However, I am not a XXXX customer. I had XXXX Long Distance service at a previous address prior to XX/XX/XXXX, but XXXX does not offer Long Distance service in IL. I called XXXX and repeatedly tried to get someone to help me identify these charges, but no one there was able to access my account, as it was closed in XX/XX/XXXX ( I spent 4 hours on the phone, calling numerous departments, but no one could find anything ). I tried tweeting, I tried online chat ... no help. As such, I do not know what this bill is for, and I think XXXX was charging me for services I did not receive ( I was an XXXX LD customer from XX/XX/XXXX to XX/XX/XXXX, and am XXXX now ). This bill is the first correspondence I have had from XXXX for 5 years -- I have not had a bill or anything from them in that entire time, so this is a surprise. 

XXXX then reported me to a credit bureau, MRS . I put this in dispute with them, and all they were able to provide me with was the statement XXXX sent me -- no bills, no details on what this Previous Balance is for.

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 2022-05-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was going through my statements and noticed that I was double charged for {$200.00} on XXXX at the same time from some place in XXXX. I contacted Chase and said that I did not recognize why there would be double charges and that I was unable to contact the vendor. They sent me to their fraud department. After speaking to them Chase refunded me both {$200.00}. In XXXX I had to cancel my card due to a totally different issue. Then in XXXX, after my card was closed Chase contacted me and told me that they didn't believe the charges to be fraud and replaced the charges. They claimed that I called it fraud and I had to file it a dispute. I tried three different times to get transferred to someone to file a dispute of these charges, only to be kept on hold for over 30 minutes till I just hung up. I finally got through to someone, only for them to tell me that it is too late to file a dispute ; that the time limit has run out. I contacted Chase in a timely manner to bring this issue to them. They delayed it. Only after writing a letter to the XXXX XXXX XXXX  did someone from Chase contact me. However the still would do nothing. I asked them what could possibly be reason my card was charged twice, at the same place, and for the same amount within minutes of each ; also, if the chargers were true, where was a copy of the two signed receipts. They just gave me the run around and said that they would simply not help and I was responsible for the double charge. Chase never had any intention of helping. Their claims of consumer protection are obviously fake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-08
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: STATE EMPLOYEES CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My father has an account with the NC State Employees Credit Union. My brother was on the account as power of attorney. After my father passed on XXXX XXXX the credit union allowed withdrawals until XXXX. I became the executor of my father 's on XXXX XXXX the same day i came into the credit and asked why these withdrawals were allowed and what were they going to do about it. I was told they would have to look into it. After no response i also sent an email. After months i was told since i did not question this with in sixty days. there was nothing they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2020, I sent Equifax a letter with social security card and proof of address enclosed, allowing them the opportunity to remove inaccurate personal information and only report my correct address, name, social security number, date of birth and even my employer. I did not wish to have any telephone number listed on my report. I did not receive a response, so on XX/XX/XXXX, I sent another letter asking for the same thing since they have refused to report my correct information for months. I enclosed my drivers license and social security card as a final goodwill gesture to allow them to only report my correct personal information and remove all other inaccurate information. I received a letter which is attached from Equifax on XXXX XXXX refusing to remove all inaccurate information unless I send in Category 1 and  Category 2 documents for verification ( these are both documents I already sent, my drivers license and my social security card ). At this point I feel Equifax is operating in bad faith, refusing to remove inaccurate information. They are saying my documents must include the mailing address of XXXX, Ohio even though I live in XXXX, Ohio ( All my dispute mailings and IDs have always said XXXX, OH ). On XX/XX/2020 they mailed a letter to my correct address in XXXX, Ohio ( attached ), While the letter on XX/XX/XXXX ( after my personal information dispute ), where they refuse to remove incorrect information, they mailed the letter to XXXX, OH XXXX and not XXXX as they did on XX/XX/XXXX. I feel they are acting in bad faith and I have proof attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My wife and I, who have been home owners for the last 16 years, and who have lived in our current residence since 2009, applied with Quicken Loans to refinance our current first-lien mortgage. We both have excellent credit. We completed all the application and required paper work, and provided all requested supporting documents within the first 6 hours of the process XXXX including tax returns, XXXX 's, XXXX 's, XXXX 's, and XXXX 's ). Since that time it has been over 2 months and we have not received an approval notice and we never received an adverse action notice. In fact, except for a few phone calls initiated by us, there has been no communication. It is my understanding they only have 30 days from the completion of the application to notify us if a decision. During this time interest rates have moved in an unfavorable direction. The more time that transpires the more money we are losing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

XXXX. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX. XXXX  XXXX XXXX, Account # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX 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 non-monetary relief
Consumer complaint received 2021-01-26
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was supposed to receive a transfer from a friend for {$160.00}. Normally the transfer would be instant ( as my friend also uses the same bank - Wells Fargo ), however, the money did not arrive. I called a representative, who assured me that the money would be transferred within today - XXXX XXXX XXXX. I have not received the money, the transfer does not appear on my end ( it does appear FOR my friend the sender, confirmation code will be available if needed ).

How can your complaint be satisfactorily addressed?

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