BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My significant other & I have been in a Loan Modification process for several weeks with Capital One after receiving a Notice of Foreclosure Sale. The last sale date had been set for XXXX XXXX, 2016, and because we had submitted paperwork, they moved the sale date out to XXXX XXXX. Last week, XXXX XXXX, we faxed them updated bank statements - the last documents they requested. This week Capital One said they had all the documents and that our file is now with the Loss Mitigation Underwriter. I have been checking the Trustee 's foreclosure sale website and it is still showing a sale date for next Friday, XXXX XXXX, 2016. I spoke with XXXX on Thursday, XXXX ; and XXXX on XXXX at Capital One and was told by both of them that XXXX was going to contact the Trustee 's office & have the date postponed or canceled. Since, as of today, XXXX XXXX, the Trustee 's website had n't changed, I contacted them directly and they stated that had n't received any further communication from Capital One since the request in XXXX for moving the date back to XXXX XXXX. I 'm interpreting that they had asked the Trustee to move it back approx. 30 days, which would put it on or around XXXX XXXX, 2016. My complaint is that since we are in a full loan modification process, they can not still be pursuing an active foreclosure process. This is dual-tracking and my understanding is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
In the month of XXXX of the year 2015 I had went into the store and tried to use my capital one card. Unfortunately I was n't able to use my master-card. I went and tried to use my capital one visa card, I was unable to use that card either. I looked on my account because if figured something was going on. I went into the capital one bank in XXXX XXXX VA where i had set there for XXXX to XXXX hours trying to figure out whats going on with my capital one accounts. 

The branch manager put me on the phone with capital one and capital one gave me the run around. As a witness to this issue I had the bank manager XXXX out of the XXXX V.A. office helping during the duration of this pertinent issue. 

There have several reports sent to capital one and a investigator was assign to the case I spoke with with someone there on XXXX XXXX at arpoxmently XXXX She again they swticthed me another department as they have done so a month ago. 

Its no resolution being taking into affect by captialone and I would like to resolve this issue and possibly go to a different bank, as I see that capital one is n't reliable on fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion will not remove a collection from my credit report from XXXX XXXX from a credit union I have never ever heard of. The account does not belong to me and I have contacted Transunion several times to remove this. They have not sent me any information and just leave it reported.

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 2015-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
RE : CAPITAL ONE RETAIL STORES ( XXXX ) - ERRONEOUS LATE CHARGES ON MY CREDIT CARD EVERY MONTHCAPITAL ONE RETAIL STORES ( XXXX ), XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX, ACCQUIRED XXXX CREDIT CARD WHO WAS FORMERLY OWNED BY XXXX BANK. CAPITAL ONE RETAIL SERVICES HAS CONTINUED TO CHARGE ME LATE CHARGES EVEN THOUGH I WAS N'T LATE. EACH TIME I RECEIVED THE LATE CHARGES, I WOULD CALL INTO THE BANK TO HAVE THEM REMOVED. MY PAYMENT IS ALWAYS MADE BEFORE THE PAY DUE DATE OF THE XXXX OF EACH MONTH. IN XXXX I RECEIVED A LATE PAYMENT FOR XXXX, I CALLED CAPITAL ONE TO LET THEM KNOW THEY HAVE MADE A MISTAKE AND THAT THEY RECEIVED MY PAYMENT AT THE BEGINNING OF XXXX AND THEY CHAGED ME LATE ON THE XXXX. THEY SAY THAT THEY CORRECTGED IT, ON MY STATEMENT THAT I JUST GOT IT APPEARED TO BE CORRECTED AFTER THE FACT AND NOW THAT THEY PAYMENT IS DUE FOR XXXX THEY WANT ME TO PAY {$110.00} WHEN THE PAYMENT IS NORMALLY AROUND {$78.00}. I LOOK AT MY STATEMENT AND IT SHOWS THAT THEY RECEIVED MY PAYMENT FOR XXXX ON XXXX/XXXX/15 AND THEY STILL CHARGED ME A LATE PAYMENT ON XXXX XXXX, 2015 AS IF I HAD NOT PAID. THIS HAS CONTINUED TO OCCUR SINCE THEY HAVE ACQUIRED THE ACCOUNT FROM XXXX BANK - XXXX. PLEASE MAKE THEM CORRECT THEIR RECORDS AND STOP CHARNING ME LATE FEES, THIS IS DAMAGING TO MY PAY HISTORY WITH THE BANK. 
THE CAPITAL ONE CORPORATION HAS XXXX COMPLAINTS FILED AGAINST THEM AND XXXX OF THOSE COMPLAINTS ARE BILLING/COLLECTION ISSUES

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
On or about XXXX XXXX, a representative called me about a charge of XXXX on my account. Captiial One suspected fraud ; this was true. Capital One told me that they would remove the amount from my credit card.Capital One did remove the charge. I wrote them XXXX letters, and they said they would remove the charge. Despite the fact that they said they would remove the charge they are still billing for {$26.00}. I wrote them another letter. They replied to me that they did not understand the nature of the dispute. I can not get through to these people. I have cancelled the card, and I need them to stop billing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Rewards

Complaint:
On XX/XX/XXXX - I called Capital one to find out what I needed to do to change my name and remove my husband from my account, where I am primary card holder, they took information and restricted my account without me knowing about it which caused me to lose over {$500.00} in points. Everyone apologized for and admitted that they made mistakes but i was still out the {$500.00} while I had an outstanding bill in excess of {$900.00}. No one informed me that i was getting a new account or this would casue me to lose the {$500.00} in points. They escaleated it to the highest complaint and said yes, they are aware they forfeited my {$500.00} but there was nothing I could do about it. They admitted they gave me misinformation. They closed my account, left me a {$900.00} bill and took my {$500.00} in points away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-02
Company: Innovative Credit Solutions
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
One month ago I received notice from my credit monitoring service that an entry had been made by a collections company. I viewed my report and saw that a company called Innovative Credit Solutions had requested a copy of my credit report, and then had reported to XXXX and to XXXX that an XXXX account that they alleged belonged to me was in collections. I had never heard of this company, had never received any communications from them, and do not have a XXXX credit card account. Innovative Credit Solutions reported to the XXXX bureaus that the open date on this account was XXXX/XXXX/2016 and that there is a balance of {$1500.00}. The entry made by them on the trade line with XXXX reflects XXXX XXXX as their company name, while the company name on the trade line with XXXX states the company name as Innovative Credit Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: U.S. BANCORP
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I want to depute a wire international transfer I made with USBank on XXXX/XXXX/16 for the amount of {$4100.00} the money should have arrived no later then XXXX/XXXX/2016 it.s now been more than 15 day and nobody knows what happened to the wire transfer. According to USBank the money was deposit and it should already been deposit to the account I provide to them but the deposit was never made. I have a copy of the wire transfer along with copies from the international back account receipt showing the money was never deposit. I want to find out what happen to the money so hopefully we can resolve this issue accordingly thanks.

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 2015-06-10
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
The loan is the XXXX mortgage/equity line of credit on a home that is currently under contract and ready to close with short sale approval from the XXXX. We have had an approval from the XXXX mortgage XXXX times that has expired due to the XXXX mortgage delaying the process. The XXXX lender has continually stalled, made unusual requests, and changed the contact person we must deal with XXXX separate times making us start the process over each time. The current person we are supposed to work with will not give us an email address and insists the only way to talk with him is by phone, which further delays every aspect of communication since we almost always go to voicemail. The approval from the XXXX in XXXX was stalled by the XXXX asking for another appraisal that had to be paid for upfront by the seller and it took more than two weeks to get an appraiser to the home. We found out later the appraiser was told the appraisal was for a loan refinance and not for what it really was. The XXXX mortgage representative told me that this was all a formality to pressure the first mortgage to give the max they were allowed of {$6000.00} due to it being a XXXX XXXX loan. The XXXX mortgage confirmed this and then offered {$6000.00} as a max amount, but then the XXXX mortgage decided we had to get another appraisal to satisfy their policies. The Seller, the Buyer, the Escrow company, and the XXXX mortgage are all ready to close this loan immediately, however the XXXX mortgage appears to be purposely making it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Universal Account Servicing, LLC
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I believe this company is operating a loan scam that involved bank fraud and wire fraud among other issues. I kindly submitted a Privacy Act request giving them the opportunity to document how their business is legitimate but they failed to respond. They have worked with XXXX XXXX XXXX XXXX, XXXX where they create a fictitious debt obligation. However, there is no validation that any funds of value were actually loaned out to create any debt. They have XXXX other companies as well known as Universal Account Servicing , LLC and the Universal XXXX. These XXXX with XXXX XXXX XXXX XXXX, XXXX in some form or another have all tried to collect on the same alleged debt. How can XXXX or more entities be the legal CREDITOR to the exact same date? When questioned they back off quickly thus demonstrating their lack of legal legitimacy. They have violated perhaps several dozen laws, codes, and statutes not to mention not having the proper licensing to create loans like a bank and be a broker and dealer of securities. If they do n't resolve this I have no choice but to reach out to the United States Attorney.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Received a letter dated XXXX/XXXX/2015 from Select Portfolio Servicing ( SPS ) stating they received and reviewed a request for loss mitigation assistance and that my account is ineligible for such assistance because a foreclosure sale is set to occur in the next 7 days. 
This is erroneous for several reasons. First, XXXX XXXX XXXX XXXX office ( XXXX XXXX XXXX is the contact ), has been exclusively communicating on my behalf with SPS since approximately XX/XX/XXXX 2015. Second, I nor XXXX Office has submitted a request for loss mitigation assistance to SPS on my behalf. Third, if in fact there was a loss mitigation request sent to SPS, it would have been received by SPS prior to 7 days before the XXXX XXXX scheduled foreclosure date. Last and most important is the fact that numerous correspondence has been sent to SPS over a long period of time attempting to resolve their assertion that they have the authority to service my loan, who owns my loan, that my loan is in default, the absence of missing payments, the delay in posting payments to my account, inaccurate interest rates charges, excessive extraneous charges, forced placed insurance and Up Front Fees ( UFFs ) charged numerous times for loan modification and forbearance requests that were erroneously denied for bogus reasons. 

Further, SPS refuses to respond to my specific questions regarding the validity of my home loan and their authority to service the loan as requested by a Qualified Written Statement ( QWR ) and in accordance with RESPA and Section XXXX ( f ) of the Truth-in-Lending Act, XXXX U.S.C. Section XXXX ( f ) ( XXXX ), which asked SPS provide me with the name, address, and Telephone number of the owner of the Promissory Note signed by me and secured by the deed of trust in my mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: TN
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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: BB&T CORPORATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We own a home in XXXX XXXX XXXX, FL. It is valued at around $ 550K We took out a HELOC with Bank XXXX it was an interest only loan. When BBT took over Bank XXXX we were at a balance of {$240000.00} we were contacted by BBT and told, " they do not service that type of loan '', " we would be put on a 15 year payout with a 3 year balloon '' " 6.875 % interest '' " that 's the best we can do ''. It was far above what we were comfortable with and we communicated that. We tried to wrap our XXXX and XXXX mortgages together and make it more manageable but do to the low value housing market in our area in XXXX and the balance of the XXXX mortgages we would have had to come up with {$50000.00} to close. We did n't have the money to do that and so we accepted the exorbitant terms. We have remained current for the last three years and paid down close to $ 40K. I contacted XXXX XXXX with BBT XXXX XXXX business lending around XXXX XXXX, XXXX knowing we were set to term on XXXX XXXX. I told her our situation and that the terms of the loan were creating a hardship and we 'd like to combine XXXX mortgages of {$360000.00} and that we had an excellent tenant covering what the combined mortgage would be saving us close to {$3000.00} per month on a 15 year loan. I turned in our financials to XXXX with the exception of XXXX since we are on extension. Although I had our XXXX income compiled I did not have the rest of the accounting done. XXXX said we would not be able to proceed without it. At that point I decided to move over to the residential side and attempt running the loan through that department. Because of new restrictions I was told we would most likely not qualify. That department was also needing our XXXX business accounting complete which we have not completed and are on an extension. So, we decided to let the loan roll on and continue to struggle making the {$2800.00} payment. It is now XXXX XXXX and I have received in todays mail a maturity statement stating {$200000.00} is 10 days past due. We feel we have been unfairly treated since they took over the loan from Bank XXXX. It seems as though their aim is to bring us to financial ruin. Even if they did n't want to combine and add the XXXX mortgage on, why will they not give us reasonable repayment terms? We have never missed a payment. While it 's true we 've been adversely affected in the last few years with less business income we have continued to adjust as needed to meet all of our obligations. We would like to know our rights and our recourse against this seemingly impossible situation. We would also like to request that the original terms of our Bank XXXX loan documents be compared to the new BBT loan documents we had no choice to sign to see if there were any inconsistencies or mishandling in regards to the transfer of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: BB&T CORPORATION
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I went to pay off my loan with BB & t, they told me they would not accept my payment. that I had to request a payoff and go through process. I had submitted for payoff. this was a branch manager that was going to hand me back my payoff checks and not payoff my loans. She ca n't refuse me this. A teller did take my money but for a manager to act this way was inappropriate

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 2015-10-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage for my home with XXXX mortgage. I was granted a modification by XXXX on XX/XX/2012. My new monthly payment is {$420.00} XXXX sold or transferred my mortgage to SPS Select Portfolio Servicing Inc. SPS Inc. refused to acknowledge my modification. I have an ongoing bankruptcy case. My modification was filed with the judge that was handling my case at the time and was approved. SPS filed paper in court to dispute my modification. My modification is valid. I spoke with a representative at SPS who told me that XXXX did not transfer the 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 2015-08-21
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I contacted QuickenLoans about a possible VA mortgage online. I received a callback from representative XXXX XXXX about a possible mortgage. Under false pretenses, and against my verbal reservations, I allowed him to run a hard credit inquiry for my credit score, knowing that it could negatively impact my score. I had already informed him that I had recently inquired on my credit scores from the " top XXXX '' ( XXXX, XXXX, XXXX ) within the last XXXX days, and he assured me that the scores were fine, but Quicken needed to verify. He came back and told me that the scores were XXXX points less than the report I had received from the reporting agencies listed above, and then proceeded to explain to me that the scores were " weighted '' for a mortgage. Nothing in the reporting I received from the agencies themselves indicated that there was a different score for mortgages than the score that was reported to me. I feel that I was coereced into allowing this company to get a hard credit inquiry, damaging my credit, when the representative did or should have known that my " weighted '' credit score would not have been sufficient for a loan from Quicken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I presented a check to XXXX XXXX which cleared their electronic screening. I immediately deposited a check presented to me as reimbursement ( mobile deposit ) the same day. BB & T held the deposit for 3 days. In the meantime, my check was returned NSF and I was charged a XXXX charge. Today, I check my account and see where BBT list my mobile deposit as " available '' and " posted '' on XX/XX/XXXX. This is beyond misleading. If the funds were not available according to their policy, why do they present the deposit on my statement as being available for withdrawal? In actuality, the funds were there. 

Also, They do not disclose the check that was returned in order that the consumer can get matters straight with the bank or merchant. Because of this, the check was presented a second time. Check in the amount of {$320.00}. I am not understanding how a check can be returned and the ending balance for the day be over and beyond the check amount plus 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 2016-06-07
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We deposited {$510.00} ( cash and check ) into a BB & T business checking account on XXXX XXXX, 2016 and have a copy of the receipt showing this - teller, as usual, counted the deposit as it was being made. Several days later, we received an 'account adjustment letter ' noting that the deposit was short by {$20.00} and that the funds had been withdrawn from the account as a result. I have been trying since XXXX XXXX to resolve this, with both the branch and BB & T, with no success. I did learn on XXXX XXXX that while we deposited {$430.00} cash and {$78.00} check, the teller showed it as {$410.00} cash and {$98.00} check - as there were clearly XXXX mistakes made by the teller in her paperwork, we feel it is clear that we are owed {$20.00}

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