BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-21
Company: BB&T CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a call in XX/XX/XXXX from my mortgage company, claiming I did n't make a payment, however I was able to show proof that the payment was made and an investigation within the bank was initiated. Over the weekend I received another call claiming that my mortgage payment for XX/XX/XXXX was past due, and had to explain that an investigation was already underway. From what the representative told me on the phone, she shows that all payments have been received, and not sure why there is an issue, and that my " late '' payments are now impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2016 Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX DC XXXX Dear XXXX XXXX ; RE : SPS ACCOUNT : XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Fax : ( XXXX ) XXXX XXXX : ADDITIONAL CLARITY XXXX I contacted SPS today and requested to speak to XXXX XXXX XXXX. 
Another employee intercepted the call and would not put my request forward. 
She informed me that my XXXX application was incomplete. I informed that that was impossible since I was approved for a short sell months ago. In fact, I was calling in order to up date SPS on the short sell activity. 

After waiting 19 minutes XXXX XXXX XXXX came on the phone. She as well spoke in a disjointed manner is haste before viewing and assessing the situation. She stated the previous employee is correct you need to provide more information. Information for what I said, I completed the XXXX application months go. She relied you need to provide more information on the short sale. 

The previous contact said nothing about the short sale nor did XXXX until I brought it into the conversation.. The continuity of picking up from the previous communication and rude arrogance of the phone contacts is deplorable. 

Please intervene and help. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Original debt was not submitted to insurance company therefore I was billed. I have since reached out to the collection company to get information on how to settle this matter. Can not get necessary account information to pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a medical debt in the mail that was not mine. I wrote the collection agency Grant & Weber, to inform them the debt was n't mine and I was a victim of identity theft. They never responded to my request or even replied " and again I disputed the debt because it was n't mine and was a result of ID Theft. 

This debt is fraudulent and has never been validated. It was been past the 30 days as law provides to validate this debt nor did they reply to my dispute as law directs them to do so. 

I applied for a credit loan and was denied due to their frauudlent reporting. 

I then check my credit and found the collection agency reported this fraudulent account on my credit file causing a major credit diminish to my exceptional credit. 
This collection agency never validated this debt within 30 days and then knowingly and purposely reported this fraudulent account that is not mine on my credit report. 
This a defamation of my character, malicious intent and a violation of my FDCPA, CA Rosenthal Act and California Identity Theft Act

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Now that have disputed Equifax , I am getting letters and phone calls from XXXX stating that they were formerly XXXX XXXX in 2004 and I have not answered their calls because they have been notified by my lawyer XXXX XXXX XXXX ( Twice ) that do not call XXXX XXXX. All questions are to be referred to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Ad Astra Recovery Services Inc
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
First off this company has not proven that I owe any debt to them, I never signed any contract or agreed to pay AD ASTRA at any time. A TYPED name is not VERIFICATION that a contract was signed and agreed. If a contract was signed and agreed upon it was with a company other then Ad Astra. I am asking for information and signatures stating that I OWE AD Astra MONEY. I never signed any contracts with AD ASTRA I have no knowledge of them until recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: MacDowell & Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
My son and daughter in law live in XXXX. My son and I have the same name. A number of years ago my son and his wife bought a car through XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX. I was in now way involved with this loan. I did not co-sign on this loan. My son also assures me that this loan has ben satisfied. My complaint is with MacDowell and Assts. Ltd. Inc. XXXX XXXX XXXX XXXX , XXXX. XXXX. Thursday of last week My employer XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, informed me that my wages have been garnished by order of the circuit court of XXXX County XXXX. This was done through the action of MacDowell & Assts. Again I was not involved with the original transaction in any way. 
My best guess is that MacDowell did some sort of skip trace procedure and came up with my name. MacDowell never contacted me. They just filed the garnishment. Of course this was done under the wrong social security number. Is it right for companies like MacDowell to through information against the wall and to see what sticks regardless of the time, money, and embarrassment it may unjustly cause? I have also left the voice mail messages and they have not returned my calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-19
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was making regular payments on my mortgage to the XXXX XXXX XXXX since XX/XX/XXXX. On XX/XX/XXXX the XXXX XXXX XXXX contacted me by written letter stating they were transferring me to Seterus, Inc. to service the mortgage. XXXX XXXX XXXX refused to accept my XX/XX/XXXX payment. I called Seterus six ( 6 ) times before they sent me a " Welcome Packet. '' received on XX/XX/XXXX. By this time I was two ( 2 ) payments behind because XXXX XXXX XXXX refused to accept payment and Seterus , Inc . had not sent me a coupon book or contact address or the new account number. Along with the Welcome packet came a letter in a separate envelope threatening foreclosure, and demanding payment for XX/XX/XXXX also. I was not late in any payment to XXXX XXXX XXXX but they refused to accept my checks! I could not pay Seterus, Inc because I did not have the new account number, or their physical address! I did pay the $ {$950.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have received no statement or payment coupon. I intend to pay ; but this whole effort was to put me in default so that they could foreclose on my house

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/2018 I checked my report just to make sure there aren't anything that im not aware of. However to my surprise there was an account being reported by Waypoint Resource Group in the amount of {$500.00} I have never heard of this company never received any mailings from them nor have I had any service or a contract with XXXX XXXX which is a company that provides service in XXXXXXXX XXXX not XXXXXXXX XXXX in which I reside and have lived in the last 9 plus years. Im 100 % sure this is a error or misreporting because I have never had service or contact which any of these companies and I never received notice about this alleged debt. Since this company is already in violation of the FDCPA for failure of written notice and right to dispute this debt. I am requesting immediate removal of the reporting of this account from all credit bureaus and cease and desist of All collection activities immediately. If this account is not removed upon my demand I will seek legal action against this company. Please send a response with attachments of a statement agreeing to remove from all reporting agencies and cease collection on this account as it is inaccurate and un validated information that was furnished. Per FDCPA and FTC this account must be removed when consumer has not been notified of his/her legal right to dispute or request validation of a debt along with certain statute of limitations determine how long you can collect or try to report old expired debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently sent a letter to Transunionrequesting the removal of unauthorized inquiries from my credit report. I did not ask for removal of the inquiries I had authorized. I received a letter from Transunion explaining what an inquiry is rather than a direct response to my concern. This is unacceptable. The FCRA states : the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The inquiries in question do not meet these requirements.

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 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TransUnion claims there is an accurate public record being reported on my credit report. I 've asked them to verify it with the company reporting. I 've asked them for proper proof of verification & they requested I contact the data furnisher. When I contacted the data furnisher they claim they do not report to the credit reporting agencies & no one has contacted them directly to verify the information. I would like the public record removed from my credit report immediately!!!

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 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX. I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My previous lender acknowledged they made a mistake in charging me over {$21000.00} for taxes I did not owe on my house in XXXX, which forced me to modify my loan. They charged me over {$53000.00} in interest on the loan modification. They admitted to the error and took the {$21000.00} off my account but did not take the interest off the loan, nor did they take the loan modification off, which I would not have ever needed. Now, I am unable to obtain a loan for a home in XXXX after relocating for my job, because of the error of XXXX XXXX XXXX on both my mortgage payoff quote, and because they are reporting a loan modification on my credit report. I believe this is a violation of the Fair Credit Reporting Act, and I must have this resolved in the next 10 days because I am in escrow. To avoid resolving the issue, XXXX XXXX XXXX sold my loan to Select Portfolio Servicing, who is now documenting the erroneous amount in excess of {$53000.00} as part of the principle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: BB&T CORPORATION
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I lost my job in XXXX XXXX, was granted deferment until XXXX with BB & T mortgage. Started a new job in XXXX XXXX. Resumed my mortgage payments. Sent {$1700.00} on XXXX XXXX, XXXX, they refunded it on XXXX XXXX. Paid them {$14000.00} on XXXX XXXX, they refunded it on XXXX XXXX, XXXX. All I 'm trying to do is keep my house. I will not allow them to take it. I do n't know what they 're problem is but I need 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 explanation
Consumer complaint received 2015-04-21
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
BB & T XXXX XXXX and XXXX XXXX sent my husband and my personal information to the wrong email address. The person that received the information originally responded to let them know they were sending it to the wrong email and instead of making me aware and/or fixing the problem, they continued to do it XXXX more times over a several week time span, until the person finally reached out to me to make me aware of what was going on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After getting denied a loan modification and then denied a repayment plan, I applied for a short sale with Ocwen almost 2 years ago. Since then I have lost 3 buyers. I send Ocwen everything they request in a timely manner but they still call and email saying they need everything that has already been sent. Whenever I call, I get told something different every time. I 've been told it is approved then call back asking for the approval letter and told it is still under review. The files stay " in review '' for months. Whenever I ask for a manager I am told none are available but will call you back, yet I never receive a call back. They are forcing my property into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015, Nationstar Mortgage notifed me indicating that I owe hazard insurance for tthe property located in XXXX, TN. I pay my hazard insurance and taxes independent of an escrow account. I have attempted, several time, to contact NationStar Mortgage to resolve the issue ; however there has been no resolution and Nationstar has placed an additional insurance on the loan account charging me extra for the insurance and indicating I have a negative balance since I was not paying for the insurance. Please see all the attached documentation submitted to NationStar Mortgage. I have sumitted my certificate of insurance several times to NationStar Mortgage. I want Nationstar to remove the addtional insurance from my loan account and refund me any monies due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC advertised a feature for its checking account which stated no fees would be charged to re-order checks. This was one of the reasons that I opened the account. However, after I had the account opened for a few years, the company decided they would charge fees to re-order checks that particular feature of my account would be eliminated. I believe this is a " bait and switch '' type scenario. It is not fair to change the fee structure/ terms of my account because the bank wishes to reduce its expenses. I understand that new account openings would be subject to pay this fee because the terms of the product offerings have changed and they no longer offer the product that I signed up for. I was " notified '' on an online statement ( which I admit I do not check ) that this would be occurring ; however, I do not feel it is acceptable to change account terms when the consumer has not violated any terms of their account agreement. In short, any fees assessed to an account need to be provided when the account is opened. This way the consumer can choose the best product for them. If the fee structure can be increased whenever the bank chooses, then there technically is not any way a consumer can know the actual terms of their product and make a correct selection. I chose a product based on the features it offered, and then that feature was taken away? This is not acceptable and in my humble opinion violates the very spirit of the UDAAP law. While this does not represent a significant monetary damage to my family, it does show that the banking industry is using deceptive marketing tactics to obtain customers and then unfairly removing features from accounts. I feel that I am justified to simply have the product I signed up for. If I bought a car with a navigation system and then the car company stopped putting them into their new cars, would the be justified to remove the navigation system from my car? In no other industry would this type of rationale be considered reasonable. Please consider my complaint and help me to simply have the product I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Alliance One, Inc.
State: NY
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:
Alliance 1 collection agency regarding ezpass tolls they are charging me $ XXXXThe original amount due was {$550.00} which I paid in full on my XXXX card. I wrote a dispute letter but I plead my case to them I think it 's outrageous that they want to charge {$3000.00} in fees and interest this was an old debt from 2012 please help me with this matter I think this is not legal thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not sure what this debt is and have not received any communication from this compnay about this debt. My first knowledge is the credit report that I pulled up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a consumer account with PNC in XXXX of XXXX and was given a promotion that included reimbursement of all of non-PNC ATM fees " for life. '' The bank was offering that promotion because they did not have many branches in the DC area at that time. The offer seemed unusual to me, and as as a result I questioned the bank representative extensively about it. The PNC representative assured me that this could not change for the life of my account. PNC honored its contract from XXXX up until this past XXXX, when they changed its policy and started reimbursing only {$10.00} per month in ATM fees. I have spent a significant amount of time on the phone with PNC trying to get the bank to abide by its agreement but to no avail. I informed the representatives that if the bank refused to honor its contract I would file a complaint with the CFPB, but they refuse to take any action. Thus, this complaint. I do not want much - I just want PNC to live up to the offer the bank made to me in XXXX and that it honored for the 9 years that followed until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage provider is refusing to cancel my PMI and has required me to use an appraiser that they own ( thus their own bias ) to have my home appraised. What 's more the fee for this appraisal, {$500.00}, is far higher than any third party appraiser for a small, XXXX square foot residence. I would like to use an appraiser lacks the biased interest for the lender and allows me to reuse such appraisal if I choose another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
PNC Mortgage and PNC Bank held the 1st and 2nd mortgage on my previous home. We settled on a short sale with both entities in XX/XX/2013. PNC Bank is still reporting our balance due on mine and my husband 's credit reports preventing us from obtaining a new mortgage so that we can move on after the hardship.

Company response to consumer: Closed with explanation