BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I applied to refinance my mortgage at CapitalOne ( the " Bank '' ). I submitted an application ( joint with my wife ) and the Bank made an offer on XXXX XXXX, 2016 7/1 ARM for XXXXXXXX2.875 % plus .875 % origination charge ). Bank 's appraiser ( XXXX XXXX valued the collateral at {$470000.00} ( appraiser failed to count proper number of bathrooms ). Upon receiving the incorrect appraisal I immediately notified the Bank and the Appraiser of the mistake on XXXX XXXX, 2016. Based on the incorrect appraisal the Bank informed me on XXXX XXXX, 2016 that the terms of my credit had changed. Based on the incorrect appraisal the Bank added one-half percent additional origination charge because the loan to value ( LTV ) exceeded 60 %. The additional origination charge added {$1500.00} to the cost of the loan. Despite being notified on XXXX XXXX, 2016 that the appraisal was incorrect, neither the Bank nor the Bank 's appraiser has corrected the appraisal. In an effort to expedite the loan closing I have offered to reduce the amount of the loan so the LTV will be less than 60 %. I am prepared to close the loan immediately on the terms offered by the Bank on XXXX XXXX, 2016. The Bank has asked me to accept the new loan terms ( with the additional .50 % origination charge ) by XXXX XXXX, 2016. I am unwilling to pay the additional charges because they are the result of an incorrect appraisal. I have notified the Bank on several occasions that I am willing to close the loan immediately on the credit terms originally offered. I have also notified the Bank that as a compromise I am willing to reduce the loan amount to below the 60 % LTV ratio. 
I do not feel that I should have to pay an additional charge for a mistake that was made by the Bank 's appraiser. 
The Bank should honor the credit terms that it originally offered. 
It should be noted that mortgage loan rates have increased since I accepted the Bank 's original terms so that shopping for a new loan from a different lender is not an option. 
Thank you for your assistance on the matter. 


Here are contact numbers for the people I have spoken to : XXXX XXXX, Loan Officer XXXX NMLS # XXXX XXXX XXXX, Mortgage Loan Specialist, XXXX ext. XXXX XXXX XXXX, Manager, XXXX XXXX XXXX XXXX, Appraiser, XXXX, Commonwealth of Massachusetts Division of Professional Licensure # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Kohls.com account login was compromised, and my account was used to purchase a large item costing more than {$500.00}. I noticed the charge on my account due to a notification that my shopping account login email had been changed at XXXX XXXX. I attempted to contact the Kohls fraud department, but they were closed, so I called first thing in the morning at XXXX when their department opened. I spoke with one associate to mark this transaction as fraudulent, and called again to confirm with a different associate that the transaction had been marked correctly. However, several weeks later, the charge is still on my account and it seems I will be responsible for the fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX Capital One charged of a debt of {$420000.00}. On XX/XX/XXXX I receive a letter from XXXX XXXX the debt is now owed to then for the amount of {$4200.00}. On XX/XX/XXXX I receive a letter in the amount of {$4300.00} that is owed to them. On XX/XX/XXXX I receive a letter from XXXX XXXX now I owe them {$4300.00}. A Greater balance of {$87.00}. On XX/XX/XXXX I receive a Summons and Complaint from XXXX thru XXXX County Court in the amount of {$4400.00}. XX/XX/XXXX I receive an Order To Appear before Commissioner, balance now is {$4700.00}. Now the balance is greater by {$460.00}. The next time I hear from XXXX in the form of a Garnishment Notice dated XX/XX/XXXX in the amount of {$7200.00}. Next is the Garnishment Notice to collect money on rent in which I was not even collecting for the amount of {$6700.00}. Another Garnishment Notice in the amount of {$6100.00}. Then another Garnishment Notice on XX/XX/XXXX in the amount of $ XXXX.Several letters and correspondence I receive regarding this debt have amounts that do not match. Leading me to believe they have significantly inflated this debt as to they see fit. On XX/XX/XXXX I file a complaint with your agency. A response letter fro XXXX states that as of XX/XX/XXXX the date of their letter the amount is $ XXXX.The Garnishment in XX/XX/XXXX states XXXX. A letter Capital One responds to you, dated XXXX that XXXX XXXX XXXX charging interest on this debt as of XX/XX/XXXX. You will clearly notice the interest is higher on each garnish notice to date. An e-mail between my Payroll and Benefits states as of XX/XX/XXXX XXXX tells them the amount is {$6100.00}. I have now paid {$3000.00}. Then on XX/XX/XXXX XXXX states the amount is {$5000.00}. To this date I have had garnished the amount of {$4600.00}. Then on XXXX/XXXX/XXXX I receive a phone call from a male regarding this debt. I am not able to discuss this matte since I am in the woods and do not have access to any paperwork. The male then becomes threating as to say it would be in your best interest to discuss and pay this debt. I have a lawyer who they need to go thru for any other contact then court documents, this law was broken. And also the threat. I believe they carried out the threat by serving me another Order To Appear to the Commissioner. This meeting was schedule in the furthest point of XXXX County WI. Making me drive the farthest as possible to inconvenience me. During the meeting they were by phone. They asked me questions they already knew and not once asked for the taxes, paystubs, or bank statements they requested. This was just to inconvenience me and charge me another {$100.00} for court proceedings. My wife was present who was not part of this debt they say I owe. They then harass her asking her questions about her job and wages threatening to come after her. They clearly can not do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: Southern Management Systems Inc.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I took out a loan for XXXX semesters for student housing at the College XXXX. ( Original Creditor ) Since I transferred to a different school my XXXX semester they are stating that I owe money from the loan that was taken out. They sent that bill to a collection agency who wont provide me any proof of this balance. This balance gave me a hold on my transcripts which means I can not further my education without this token care of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a resident at XXXX XXXX and moved out and was then sent a bill over {$1000.00}. I had no idea why. I contacted XXXX XXXX and was told that the apartment complex was under new management and owners and they had no knowledge of my debt. I asked for the former owners information and they were unable to provide me with that. The amount then went to collections and I corresponded with the agency to find out who owns this debt so I can figure out whats going on. They would n't release any information but stressed the fact that they did not own, they were only collecting the debt. After a few back and forth, I ignored them because it was going nowhere. Fast forward to XX/XX/XXXX, I started repairing my credit and this debt comes up again. I signed up with XXXX XXXX and they acted on my behalf to clear deliquent things off my report. The collection agency once again sent a notice stating the debt was valid but the information I got which was apparently submitted from XXXX XXXX XX/XX/XXXX, was false. The employee forged information and submitted fees for stuff that I never knew existed. She claims I moved because I got a pet which was false. She also changed dollar amounts on paperwork to reflect a ridiculous amount of charges. I contacted the agency and they told me to contact the company who submitted the debt ( XXXX XXXX ). I contacted them once again even though I knew what the response would be. Email response below : XXXX XXXX XXXX ; XX/XX/XXXX at XXXX To XXXXXXXXXXXX Message body Hi XXXX I am sorry you are having such a hard time resolving this matter. The company that currently owns and manages XXXX purchased the property XX/XX/XXXX. We do not own your debt and would not have access to your records. I do not know who owned the property when you lived here. 
Sorry I can not be of more help. 
XXXX XXXX XXXX, XXXX, XXXX Property Manager XXXX Apartments XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX visit us at XXXX I am stuck and going back and forth with XXXX XXXX and the collection agency. I hope that I can get more information as far as who owns the debt and who I can dispute this amount with. The false claims really are what have me in a bind.

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 2015-05-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX XXXX XXXX loan was transferred to Carrington Mortgage about 30 days ago. I was sent a notice, but I was never sent a welcome package or any information about my new account from Carrington. XXXX XXXX XXXX gave me the phone number for Carrington and I called to get my account number and information. I was assured that more information was coming in the mail and that XXXX payments would not change. I still have not recieved a welcome package, instead, I have recieved a notice that my 30-year conventional mortgage payment is going to go up over {$50.00} due to estimated escrow changes. This is ridiculous. I have not been motifiifed of any tax or insurance changes and there is no need for this payment to go up. I feel like this is unnessesary and unjustified. Definitely not the 'Welcome package ' I was expecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: PNC Bank N.A.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am trying to work out better payment terms with PNC bank for my privet student loans but they are not offering any help. 
I do n't own a car or a house and I live with XXXX roommates. I only have {$200.00} a month to feed and clothes myself. 
I pay almost {$500.00} a month in interest on a {$660.00} payment. 
I want a loan modification to make my payment affordable or consolidation of my XXXX loans into XXXX. PNC outright refuses any type of help and says I make to much money despite my other loan payments and rent. All consolidation efforts I have made with other companies such as XXXX XXXX only end with them telling my I do n't make enough money. I have no help, my co-signers went bankrupt and my only living grandparent is in the hospital. 
I do n't live like an adult because I owe so much money for school. 
I am trying not to become delinquent, so far i have managed to make my payments but i am on the edge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Alliance One, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AllianceOne Recievables reported an alleged debt to the credit bureaus without ever making contact with the alleged debtor. FCRA allows a debtor 30 days to dispute a debt and request validation of the debt. This practice was not followed by AllianceOne prior to reporting to the credit bureaus. Currently I still have not had any communication with AlllianceOne either in writing or verbally in reference to the alleged debt. This act of reporting the debt without making any contact with the alleged debtor is illegal and violates Fair Credit Reporting Act statues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I 've banked with PNC Bank for nearly XXXX years, and I 'm finally leaving them because they charge ridiculous overdraft fees. I 've asked for reimbursement for these fees ( they re-order high to low, so they can ensure overdrafts on even small amounts ) and they wo n't do it more than once in apparently XXXX years. It seems to me that banks require greater regulation in how they administer overdraft fees since it 's obviously a huge revenue-generation strategy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My auto loan payment is due on XXXX XXXX - I rec 'd 2 text messages saying they were reminders with a disclosure at the end, that ended with this is a collection attempt. I responded heatedly that I did n't appreciate being treated like a credit delinquent in a reminder text. I made the payment on the XXXX XXXX. The payment shows in my bank history. I received another text that my payment did not go through. I checked my account again, the payment still shows in my account. So I texted them back, that according to my bank statement that payment has been made. I just received a phonecall that my payment was not sufficient. I go to my online account and they have charged me nsf fees of {$30.00} and {$15.00} dollars going in and out of my account. So they want an additional {$30.00}. 
My first payment, they tried to charge me XXXX per day interest because the date I said would be my first payment was different from them. The payment before this one, they said I put a stop payment on it ... .of course I did n't. When I called they said because of the card I was using the payment did n't go through, and that I had to use the XXXX XXXX option. The woman walked me through the payment on the phone, but what I noticed is that their website is inadequate and I think is intentionally programmed to not work or they just make up stuff as they go along. It has been about 1 month and what was supposed to be a easy solution, has turned into a complete nightmare. I want to shop for another car and get out of this situation.

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 2017-03-23
Company: Gordon, Aylworth & Tami, P.C.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Several years ago I had a balance of {$2000.00} on a credit card. Due to life issues I ended up not being able to pay and then honestly forgot about it as there was no contact for years. About a year or two ago they drained my entire bank account and sent me info saying that I now owed {$7000.00}. I understand that this was my debt but that 's just crazy. I have now paid off $ 3000+ of it which seems more than fair in my opinion. However they are still asking for $ 4000+, 200 % of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Credit Center, LLC
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I never received a notice that I owed any debt. Checked my credit reports and found negative accounts. Sent out debt verification letters and cease and desist stating only to communicate by mail. They called me on XXXX/XXXX/2015 after receiving my letter sent out on XXXX/XXXX/2015 and I never received any letter or coerrespondance at all about the verification of debts. They have not removed the negative marks from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
All of my payments have been on time since having a mortgage with Carrington ( mortgagee ). However, when I was contacted by Carrington to refinance afterwards my payments went from {$1500.00} to {$1400.00} starting in XXXX 2016. So for XXXX I continued to make my payment of {$1400.00} but on the payment website the amount due was showing {$1500.00} so I immediately contacted the agents of CMS which were my primary contacts throughout financing. I was told by the agents that there must be a mistake and they would investigate and to continue to make the {$1400.00} refinanced payment while they research the issue. 
When I tried to make the XXXX payment I was told by another agent that my XXXX payment was not made. I told that agent that I did make the {$1400.00} payment. The agent said that the amount was not applied as paid because it was not in full ( {$1500.00} ). I explained that I had refinanced and my primary contacts were looking into this matter to make the amount due corrections. The agent continued to research and said that more than likely my escrow had increased and I should go ahead and pay the {$1500.00} amount for XXXX and the additional {$96.00} for XXXX while this is being researched. So I paid those amounts in hopes of getting this issue corrected soon. 
After receiving derogatory credit reporting from Carrington for not paying the full {$1500.00} amount in XXXX without explanation of why it was increased I finally received a letter on XXXX/XXXX/2016 explaining hat happened. 
My property taxes had increased for XXXX thus increasing my escrow and monthly payment amount but I was not notified by Carrington nor the City of XXXX. 
After explaining this situation to Carrington, they are refusing to correct the missed payment reporting to the credit bureaus. 
To add further insult. I have documentation from the refinance closing that I was entitled to a closing refund that CMS has refused to pay me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Diversified Consultants, Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
paid collection at XXXX XXXX/XXXX/2015 shows no balance, but Diversified consultant is show smae $ same reason that I owe $ this typical of XXXX, they were the original creditor. The turned over to XXXX and then over to Diversified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Clear Debt Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
CDR is calling me about a co-worker who has a debt with them. They are calling my company issued cell phone and my home land line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I bought a house. I do not speak English ( someone is helping me right now ). The house needed work but I was told by seller and the person working with the seller that it will be finished. However I was guaranteed that the certificate of occupancy was fine and they will finish while I lived there. The seller bought the house in XX/XX/XXXX for {$48000.00}, and sold it to me one year later for {$300000.00}. There was no realtor, and no attorney. The person working with the seller was XXXX XXXX. He plead guilty of a XXXX mortgage fraud in XX/XX/XXXX. He filled all my mortgage documents, he also applied for my loan. I have a video recording of me speaking with him, as well as an online chat in XXXX regarding my mortgage. He guide me through the whole process and I thought he was helping me. At the end it was a scam and the house was unlivable. The appraisal was never done. I have requested a copy and the lender can not find it. I am sure that the seller and XXXX XXXX made it all up with help with the lender. It took me 3 months to fix the house and get permits to be allowed to live there by the city. I had to take loans for {$15000.00} to pay as well as paying my rent. I was unable to pay my mortgage. Now I am in foreclosure. I can pay my mortgage, but the lender will not let me apply for a modification. I was taken advantage off. I want to stay in the house. I can pay my loan. All I need a fair chance for a 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 2023-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Hello, I had a credit card with Bank of America. They closed my account without advising me or calling me in advance. I had automatic payments and when the closed it they also disengaged my automatic payment. Later they reported me late.

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 2015-12-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE Finance. XXXX XXXX. {$94.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

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