BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-23
Company: Guidiville Indian Rancheria
State: NV
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
The name of my bank is XXXX BANK located in XXXX XXXX, NEVADA. 

The lender charged mine and my husband 's bank account on the wrong day and for the wrong amount. 

I obtained XXXX payday loans from XXXX separate lenders. I do n't recall this lender being XXXX of them. They 're alleging I obtained a payday loan from them online. I question that, because anytime I 've ever applied for a payday loan online, I still had to speak with them over the phone and/or see them in person to finalize it. This was not the case with this lender, everything was allegedly done online according to them. In XXXX of 2015, I made contact with all of my creditors, including this lender, and informed them that due to unexpected unfortunate circumstances that have effected my financial situation resulting in financial hardship, I would only be able to make monthly payments of {$50.00} via money order or cashiers check on the XXXX of each month. I advised all creditors to discontinue debting my bank account for payments because there are no available funds for them to do so. I went on to say that I was very sorry for any inconvenience this may have caused and that beginning XXXX/XXXX/2015, I would be making monthly payments via postal mailed money order or cashiers check in the amount of {$50.00} to pay off any outstanding debts, that was the best I could do. 

This lender disregarded the information I provided and continued making attempts to ACH my bank account. Doing that only resulted in my bank account charging me fees for insufficient funds. 

On XXXX/XXXX/2015, this lender sent me an email that displayed all of my personal information in it, including name, full social security number, address, etc. Threatening me with legal action, accusing me of committing several crimes and harassing me in the worst way possible ( see attached copy of the email )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had my ties severed with my local Santander Bank in XXXX recently in XX/XX/XXXX and had my checking account closed after an incident ( I have received checks of a fraudulent nature which was n't particularly my fault ) and I was given a warning to my bank.However, I 'm still forced to pay Santander 's Line of Credit Overdraft Protection Service which I find to be unfair if I 'm no longer tied to the ban and have to pay back {$3000.00} I felt like I got XXXX to pay off a massive bill and I kept getting harassing phone calls from Santander after missing a payment and being called 5 consecutive times. I shouldnt be forced to pay a bill and get attacked with interest rates I was deceived by my bank that I could cancel the service but then I was told Have to pay the full amount back and I 'm struggling to find employment to pay this off.

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
Consumer complaint received 2015-08-08
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX/XXXX/2015 I received a call from XXXX in which this message was left. Hello my name is XXXX I am trying to contact XXXX XXXX to get a message to XXXX XXXX ( inaudable ). XXXX XXXX you were placed as a person of reference by XXXX XXXX ( inaudable ) and I would like you to call me back at XXXX at extension XXXX again my name is XXXX. No mention of the company however I later found out it was GM Financial. I believe the laws protect me from no more than XXXX phone call as a third party and that debt collectors are not allowed to leave messages with a third party asking them to contact them?

Company response to consumer: Closed
Consumer complaint received 2016-11-26
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a construction loan earlier this year with a medium sized bank. The senior loan officer clearly knew how much I needed to fund the project. The bank and the mortgage broker had indicated the bank could fund up to 90 % of the appraised value. However on two separate occasions ( most recently XXXX XXXX ) I received a conditional approval for only 50 % loan to value. I believe this was not incidental, but intentional. This was after stringing me along for months and months with repeated requests for documentation that I had already sent, but it had misplaced or lost. 
Their process is deceptive and has placed me in a vulnerable position. If I want the project to go forward I am forced to put in a sizable amount of money. This is bad for me, but good for the bank because its risk is lower with a 50 % LTV than a 75 % 0r higher LTV.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX the XXXX I deposited a check in the amount of {$250.00} bringing my balance up to {$320.00}. Following my deposit, I used my debit card for XXXX purchases in the amounts of {$38.00}, {$44.00}, {$120.00}, {$40.00} and {$46.00} totaling {$290.00}, thus leaving my account with {$35.00}. I received XXXX NSF charges for my purchases each in the amount of {$38.00} totaling {$150.00}. My account is now in the negative and the bank refuses to refund the charges. How is it possible to get charges when there was money in the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Holding back a cash deposit and returned a bill pay and charged me the fee of {$38.00} and then charged me another {$38.00} for not having {$25.00} to transfer to my savings, why do I have to pay for not putting money into my savings account and auto transfer, right now my account is over drawn for {$110.00} and they will not reverse it, I feel this is not right. The bank is BBVA compass bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I mistakenly submitted a manual online mortgage payment not knowing an auto payment would be processed a few days later. I contacted my mortgage servicer on XXXX XXXX and asked for a refund of the duplicated payment. I was told to send the request via email and it would be processed immediately. It now has taken almost a month to get a response and they are requesting more information. At this point the next payment would be due anyway, so there is no need for the refund. We were short the funds all month due to the slow customer service.

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 2015-11-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was notified by my Carrington Mortgage that my flood insurance policy had been canceled or expired on XX/XX/XXXX15. Since I live in a condo and our building was never required to have flood insurance, this was news to me. Still I scanned the letter and emailed it to our association manager for him to check into it. Apparently we are now required to have flood insurance. The manager scheduled surveys and worked with our insurance agent to get this done. I received a XXXX letter that stated that, if they did n't get a policy declarations page faxed to them in 20 days, Carrington would purchase flood insurance for me and bill it through my escrow. I spoke to XXXX agent at CMS with no satisfaction ... she only repeatedly told me that they would be purchasing flood insurance for me XX/XX/XXXX. Shortly after, I received, from our association 's manager, a copy of the flood insurance premium payment made XX/XX/XXXX with a 30-day waiting period for coverage to start. XX/XX/XXXX 2015, I wrote a letter ( attached ) and faxed it to the fax number for the policy declarations explaining all of this. I also asked for an email response and have yet to receive it. Today, after I saw in my online account that they had force placed flood insurance on my mortgage, I called the insurance department of Carrington Mortgage. I was told that they could not accept the copy of the premium payment and that nothing short of the policy declarations page could remove the policy they supposedly purchased. Although I had until today, XX/XX/XXXX to provide that proof, they placed the coverage on my loan XX/XX/XXXX and backdated it for the coverage to start on XXXX XXXX, 2015, the supposed date that my nonexistent last flood policy was canceled or expired. I 'm sure that Carrington Mortgage is going to attempt to charge me for several months of flood insurance even though a ) there was no policy in place until XXXX and b ) I, our association manager, and our insurance operated in good faith from the date of receipt of the first letter to secure flood insurance for our condominiums. I am not individually responsible for flood insurance for the condo building and we did everything in our power to get this done. I fear, based on my reading of many, many complaints about Carrington, that they are using this method as a way to increase fees to the business and defraud its clients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Dear Financial Consumer Protection Bureau Representative, I am writing to inform you of a compliant about my checking account that I would like your organization to investigate with BBVA Compass. On XX/XX/2016, I was charged two overdrafts for a XXXX dollar debit for a XXXX charge, and for a XXXX dollar debit for another XXXX charge. 
When you look at the 2nd picture that I have attached with this complaint, my balance before the XXXX dollar charge was XXXX on XX/XX/2016. And, my balance the before the XXXX dollar charge was XXXX. So, clearly, by looking at the 2nd image, I did not have insufficient funds for those two items, but, yet, the bank charged me two overdraft fees. Please see image 1. 
Every other transaction after the XXXX dollar transaction was a debit card transaction, which should have stopped when my account reached a zero balance because I opted out of debit card authorizations, when there would be no money on my account. Yet, the bank allowed me, by mistake, to go over and then charged me two overdraft fees on those items mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
National Business Factors in XXXX XXXX, Nevada. 
" XXXX '' called me at my job and told me that my payment had gone down considerably so I told her that my husband had lost his job and that is why. She then asked me if I had a job, which I replied that I did. She then told me that she could not accept a {$25.00} payment on a {$12000.00} medical account and if I do n't make a {$100.00} payment by XX/XX/2016 that my " XXXX '' is on the line and not my husband 's, referring to being taken in to have my wages garnished. I do n't make any where near what my husband was making, I have XXXX children that I 'm still supporting and I 'm separated from my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
There is an account purchased by a company called Rash Curtis & Associates from XXXX. I disputed this item with both the original creditor and the collection agency. This account was opened in my name fraudulently. When the company verified this account, there was no association to my social security number, driver 's license, or address. It just has a name that is close to mine. This company is refusing to follow the laws by removing this unverifiable, fraudulent account. I have contacted the original creditor, XXXX, and XXXX, said that there is no account opened using my personal identifying information. This account was opened in a different state and an address that I never lived in. The only thing that links this account to me, is a similar name. The person who opened this account has the same first and middle name as me, but a different last name. I sent this company and the original creditor proof of my residence at the time that this account was opened, a fraud affidavit and a dispute letter stating that this account was opened by identity theft. They are refusing to close this account and to stop reporting this account on my credit report. According to the original creditor, this account was opened and defaulted in XX/XX/XXXX. They are reporting this account as opened in XX/XX/XXXX to attempt to re-age this account. I have disputed this account with this company several times, explaining that this is not mine and since insist that my personal info was used to get this account, I filed a police report. I am preparing myself to bring civil charges against this company. I meet with an attorney tomorrow because they have violated the law and have caused me to be denied credit for a refinance which has caused me a financial hardship. I plan to bring suit to this company. I recently presented this information to the bureaus and am awaiting a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My mother in law inquired about a product for my wife and I at a previous address. We received a wireless box from XXXX XXXX XXXX which we never ordered. We called them and was instructed to not open it and just to return it back to the post office. We have been harassed by collection letters since 2013. We have responded and disputed all inquiries. We called XXXX XXXX XXXX Billing, Collections and Fraud department. They have no proof or documentation to support this debt as well as not being cooperative. The Fraud dept hung up on my wife. The billing said its valid but have nothing to support that we had an account with them. We ended up going with XXXX for our services for internet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I submitted a complaint through CFPB last month regarding a late payment listed on my credit report. I received a response from capital one that their records show that there are NO late payments on my account ( see attachment ). 

However, on my report, you can see that XXXX is showing a 30 day late payment on my record. ( Also attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In an attempt to verify debt collection on my credit reports I disputed the item on all three bureaus. The next day they contacted me harrassing me about the fact that I had disputed the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We applied for a loan on XXXX XXXX 2015. They told us that we would be closing on XX/XX/XXXX. We sent all the requested info to XXXX XXXX at Carrington Mortgage on XX/XX/XXXX. He sent us an email on XX/XX/XXXX stating that it was not in underwriting like he said because he did not have info that we already sent. We resent this info and he emailed us again on XX/XX/XXXX stating more info was needed that was never told to us. We reached out to him daily and he told us they had all info as was in processing. As of XXXX XXXX he let us know they did not do paperwork correctly so they had to cancel original loan and restart the process. We resent everything on XX/XX/XXXX. He reached out to us on XX/XX/XXXX stating there was even more missing info. On XX/XX/XXXX he emailed us yet again with more missing info. We have asked him repeatedly if this is all and he states yes and it is being sent to underwriting. We received even more correspondence on XX/XX/XXXX and XX/XX/XXXX. At this time he stated we can close on Thursday XX/XX/XXXX but he had to have 3 days prior to sign the papers due to the right to cancel. It is XX/XX/XXXX and we were told they deleted our file when they were sending it to underwriting and we have to restart the process. Every time they restart the process our closing cost keeps going up but they do not state why the closing cost is going up. At this time we have not heRd when we are closing and they are not returning our call

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am completing a XXXX and had placed my private loans from Navient in " in-school deferment '' status. They were suddenly placed in repayment status recently despite my being in school full time. The promissory notes for the loans which were serviced contains a section which states that whenever I attend a university which is eligible for signature student loans, then my loans will be placed in deferment automatically, whether I request a deferment or not. Upon calling Navient, I was told that it was their policy that private student loans can only be deferred for 48 months while in school. This is contradictory to the promissory note I had signed. I brought up this point and was told that I still could not receive the deferment. The promissory note also describes how any changes to terms outlined in the note would need to be approved in writing by XXXX the lender and borrower. I did not approve of a limit to in-school deferments and filed a complaint with the company. I would like this issue looked into as it seems to violate the terms of the original loans, which were issued by XXXX XXXX before Navient began servicing the loans in 2014. 

I have attached my original loan documents along with the promissory note I signed. On page XXXX can be found the terms of in-school deferments and on page XXXX is a paragraph stating the following : " Any such sale will not result in any change to the loan terms or the loss of any advertised borrower benefits, which will continue subject to their original terms and conditions. However, student loan terms and advertised borrower benefits may change if I choose to consolidate my loans. '' I have not consolidated and believe I have a right to the in-school deferment as outlined in the promissory note in the in-school deferment section on page XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My name is XXXX XXXX. I have been a customer of BBVA for many years. I have a consumer complaint against BBVA based on the following : I had an annuity with XXXX XXXX at Compass Bank since XX/XX/XXXX. It was giving me 5 % interest. 
The initial investment was {$150000.00}. By XX/XX/XXXX it grew to {$160000.00}. The financial advisor at Compass bank encouraged me to transfer that money to a better investment and it would double in value. I had expressed to him that I wanted to leave this money to my grown children. He said you can " pass the wealth '' without worrying about them paying taxes after you die. The transaction had to be done before my XXXX birthday otherwise I would not qualify to get it. My birthday was two weeks away. I felt pressured but try to comply. He said XXXX XXXX XXXX XXXX was best for me. I believe he used to work for that company before coming to Compass. It took one day to do the transfer. After two weeks, I received my portfolio on XXXX XXXX XXXX XXXX. The financial advisor gave it to me and asked if I had any questions. I told him I had to take it home and read it before I could ask questions. The new insurance has a 13 day period to decline otherwise the insurance kicks in. I did n't have enough time to go over the insurance and come to talk to him because he gave me the insurance a few days before the expiration period. Now I find out the state allows a 30 day period to accept or decline. 

This year, I get the form from XXXX indicating I owe the IRS {$4000.00} in taxes based on this transaction. How can I owe the IRS money I never spent. The check from XXXX went to my checking account. The financial advisor took that money to open the new investment. I never signed any check from XXXX. In addition, I found out that the surrender charge from XXXX was over {$9000.00}. Had I known this information, I never would have done this transaction. I feel violated. I am a XXXX citizen who has worked very hard for every penny I have. My husband is suffering from XXXX. The financial advisor failed to disclose to me the product he pushed to sell me. I was never made aware of the surrender charge or that the transaction would be a taxable event subject to IRS liability. 

This is a very serious matter and want the bank to return that money to me because the financial advisor was sloppy, not able to disclose, explain or show interest in what he was doing, otherwise, this never would have happened. XXXX abuse occurs every day and it must be looked at and corrected.

Company response to consumer: Closed with monetary relief