BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-24
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I find this medical debt reported on my credit report, but I do not remember ever owing a bill with a remaining balance of {$7.00}. It looks like the company dated the opening of this debt XX/XX/2010. I looked for the collection company on line, but it is as though it does n't exist. It appears to have impact on my credit score. I am willing to pay it if I could get an itemized bill showing the date of the procedure and when and what my medical insurance company reports about it. Also, if the company no longer exist, IT WILL NEED TO BE REMOVE FROM MY CREDIT REPORT. My complaint is that this company has not sent me a bill showing the details of my so called debt, but has reported to the credit bureau that I owe this debt. This is harming my credit score and it is not making it 's contact information available to me. How am I to clear up my credit report if this company does n't exist, but they have reported that I owe a debt that I have no explanation for?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is a secondary complaint to complaint # XXXX in regards to Transunion 's procedure in case of disputed accuracy in accordance with 15 USC 1681i . I have repeatedly sent notices and documentation to Transunion proving these alleged collection accounts are inaccurate. The most recent round of letters sent XX/XX/2023 went to all three bureaus which included a demand to delete the inaccurate accounts and update my personal information, a copy of my driver 's license with my up to date personal address, a copy of my current utility bill, and a copy of the police report. I meticulously separated each document to make sure all three bureaus had exact copies of all documents. Transunion responded that they did not receive the enclosed police report and is continuing to report the inaccurate accounts, which they previously closed and reopened at their own discretion. XXXX and XXXX immediately deleted the inaccurate accounts and placed a fraud alert, which went out to all three bureaus including Transunion. Transunion 's response was to continue to harrass me for more information instead of performing a reasonable investigation, in which I sent out another recent letter requesting for them to explain in detail the method they used to verify the information they keep reporting as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
File a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.

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 2016-04-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citizens bank promised a {$150.00} bonus for opening the account and completing the requirements. I have completed the requirements many months ago and the bank refused to pay the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: ERC
State: GA
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:
I have a XXXX Debt that is not mine i had to file an identity Theft claim with all Credit Bureaus and the IRS. I do n't understand especially when i have a XXXX account in good standing right now. Before this i had XXXX XXXX XXXX and i had paid that off already. I would like to dispute this Debt and have it removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My checking account was charged fees of XXXX for XXXX overdraft for 7 business day ( 9 calendar days ). On XXXX my checking was assessed an overdraft fee of XXXX for a check presented against my account ( XXXX ) for {$200.00}. My balance was XXXX after submittal. I received no notice in the mail on this item and was assessed XXXX sustained overdraft fees during this period. The first was on XXXX and the second sustained overdraft fee on XXXX both for {$30.00}. I understand the initial overdraft fee being assessed of XXXX. However, I find the sustained overdraft fees to be abusive and predatory in nature. Not long ago, sustained overdraft fees were generally applied after 10 business days. This time of 10 days allowed for the notification time that may occur for when a client may not be aware of this event. In my case, XXXX were applied before 10 calendar days occurred. Out of curiosity, I used an interest rate calculator to determine what this interest rate might be if I were to convert this small matter to a loan situation and I was told that the calculator could not estimate the rate because it was too large. So I adjusted the amount I was negative to XXXX ( but in reality XXXX ) against the total amount I would pay to rectify the matter of XXXX and the interest rate amounted to 192 %, which I believe is above predatory. I feel that 1 ) this matter is very abusive, borderline criminal. 2 ) the policy does not allow for sufficient communication time to allow for rectification IF it was determined that the abusive extra charges should be allowed to continue. Again, I do not believe Citizens bank should be allowed to pile on these types of fees with this level of ferocity. I do understand that Citizens bank is a business and that profit is their motive but this policy and practice is a pure money grab with little or no notification to it valued client/fellow citizen. Please feel free to contact me at XXXX, thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had XXXX in Fraud so I closed my XXXX XXXX XXXX Account and they did n't close it and put the new Account in the Robbers name sending the robbers XXXX ATM Cards stole XXXX from me the bank and Judge say its impossible two comprehend. 

XXXX Bank denied me a new Account because i did not have a id card i purchased and opened a XXXX Account With XXXX and XXXX XXXX i ca n't get Verified two get a master card i need two travel. So i sent XXXX XXXX dollars two open new account and copy of ID and they respond already canceled then chat said apply agin then Chat say call them I do n't have a Phone I 'm XXXX. 

At Wells Fargo i always pay my Credit Card with Cash and i walked in and paid XXXX dollars and asked if i had Auto Pay and they said yes and i did not because it showed a closed account. 
I filed a fraud report that the bank teller robed me telling me i had Auto Pay and then Every Time i walk into the Bank a manager has two verify me so Every time i go into Wells Fargo the manager comes and Verify Me. 
Fore 3 months i ca n't get Verified with Pay Pall i have tried many times. 

A bank worker can send themselves all my Money then there lawyers only say its Impossible two Comprehend then almost no other bank will give me a new card

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 2016-11-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My property is in Deed of Lieu status. I have not missed any payments because I have re modified my loan. That why it looks like I have been late. The loan number is XXXX with Citizens One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I keep getting phone calls and mailings from Big Picture Loans stating that I am pre approved for a loan with them and that they obtained my credit information from XXXX of the major credit reporting agencies. Big Picture Loans interest rates are 700 % or higher ( according to their website ) which is illegal in the XXXX Massachusetts, they will not stop calling me and mailing me offers even though I have requested for them to stop. On my most recent call to them they claimed that they are legal to offer loans in Massachusetts and when I asked what the interest rates are on their loans the representative stated that " I ca n't tell you what the rate is until the loan application is submitted and you agree to take the loan, '' this is a violation of the Truth in Lending Act ( TILA ) due to the inability to know what the rate is before accepting the loan. I have a credit freeze on all of my credit reports and I have also opted out of receiving prescreened offers for credit. Big Picture Loans refuses to tell me what credit agency they obtain their information from so that I may deal directly with that agency to determine why my information is being provided to any third party without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This is in regards to Citizens One, and the XXXX which they service. On XX/XX/2016 I purchased an XXXX online for pickup in store, and when I got there, an issue with XXXX 's systems required us to cancel that order ( and the associated loan ) and redo the order ( resulting in a XXXX loan ). The pending charges for sales tax and first month 's payment for the first loan were never settled, and fell off of my credit card as expected. However, a month later Citizens One double charged my credit card. I contacted them and they claimed the first loan was still open, and told me they could n't do anything. I had to work with XXXX to get the correct information sent to Citizens One to close out the loan and refund my money. I received a confirmation email from Citizens One on XX/XX/2016 which stated " Dear XXXX XXXX, We were recently notified that you returned your XXXX order. Your loan number XXXX is now paid in full and has been closed. 
Any payments you have made to your loan will be refunded to the credit card or checking/savings account you have set up for your recurring monthly payments. Please allow XXXX business days for these payments to be returned. '' Since it 's been XXXX business days I called them, and they 're now telling me that it 's going to be up to XXXX business days before they refund the money. I complained, since I have a commitment in writing, and XXXX days is a ridiculous amount of time to process a credit card charge reversal. They told me that it was a generic email that gets sent out to everyone that closes the loan early. They could not/would not answer why it says XXXX business days if they really mean XXXX business days. After asking to be transferred to someone that could do something about it, she transferred me to XXXX, who said he 'd put in a request to expedite the refund. But they would not give me a reference number, send me an email confirming this, or do anything that will provide me with evidence of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: BB&T CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
I have had an account with BB & T since 2014. I had moved as a result I had limited funds in the account. During my move I had experienced a burglary and vandalism which caused me to loose out on some of my income. Due to the circumstances I was in need of some money. I withdrew {$40.00} from the ATM. Approximately a week later I received a notice from the bank advising me that I needed to pay the bank {$140.00}. They explained this was because I only had {$12.00} available during the time I took the money. I apologized and explained that I was not sure what I had, however I was really glad that I had access to it being that I needed gas for my car. I agreed to pay back the {$35.00} since this was the amount I took including service fees. I explained that due to the circumstances that I had faced I did not have over {$100.00} as they had requested. I have a police report of the circumstance that I faced at the time XXXX XXXX Police Department. I also had explained that I was not aware of any overdraft fees that would be incurred being that usually when you get money from the ATM it does not give monies that are not available. I need some assistance in resolving this issue because I do not owe the bank the monies that they are accusing me of and I need for them to accept the monies that were used and nothing extra.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I currently have a mortgage with BB & T ( initially XXXX Bank ). The mortgage is on a home I purchased in 2005 for at the time was my Primary residence. We have since converted this to a rental property as the home was no longer able to accommodate our growing family, and we were unable to sell due to market conditions. The mortgage is what would now be considered a predatory loan ( XXXX Interest only 1st 10 years ). In the past month the payment has ballooned as the loan has modified to its amortization stage the payment has increase by more than doubled what is was during its Interest only Phase from {$480.00} per month to over {$1100.00} per month. XX/XX/XXXX anticipating this change I reached out to BB & T to see if they were able to work with us on a refinance or loan modification. We were told we were unable to refinance due to the currently loan to value of approximately 130 %, the loan was not qualified for the HARP program as it is not backed by XXXX or XXXX XXXX ( we are told it is a BB & T/XXXX loan ). In XX/XX/XXXX we proceeded with the Modification/loss mitigation request as we were told this was our only option. After countless hours of works and endless documentation requests over almost 4 months we were told we had been declined for modification to a 30yr fixed program, leaving us only XXXX options keep making a payment we can not afford or let the home go into foreclosure. The reason for decline was that our current rents received cover mortgage payment. What BB & T failed to account for while delivering this decision is that there are Property Taxes, Home Owners Insurance & HOA Fees tied to this property that also require monthly payments. When factoring in these amounts we are at a significant loss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In it 's response to complaint XXXX, SPS says they are denying my right of rescission because my loan originated in 1998 ... my ORIGINAL loan did originate in 1998, BUT XXXX ( the original servicer after they got the loan from XXXX, the original lender ) advanced over {$50000.00} to repay themselves what they spent tp pay off XXXX XXXX, my XXXX mtg holder. 
Thus, they did not just modify my original XXXX mtg like they ( SPS ) are trying to claim ... they actually REFINANCED my XXXX mtg because adding the {$50000.00} plus in additional funds is a cashout loan. The {$50000.00} in funds added to the original balance is money lent to me ( whether I wanted to borrow it or not ) ... unless they did not charge me for the XXXX mtg payoff this is a cashout refinance, period. 
Thus, I stand by my demand to rescind the loan. 
If SPS cares to make a reasonable counter offer, I will listen, but only if they acknowledge the true facts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection account at Cavalry Portfolio Services that I owed to XXXX XXXX for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called Cavalry and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than 15 days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take 45 days????? Why does it take 45 days?? They did n't take 45 days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-27
Company: BB&T CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX, I emailed a letter to Regional Acceptance telling them to stop calling my place of employment. I followed up with a phone call stating the same. I was told that my work telephone number would be removed from their system. I provided XXXX alternative phone numbers to reach me. Regional Acceptance continues to ignore several requests made by me. " XXXX '' a Regional Acceptance employee called my employer in an attempt to reach me on XX/XX/XXXX. I have a copy of the email I sent and a recording of the last phone call received after the company was told to stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
this mechanism has been designed to inform you that in 2009 my Mortgage Company was with XXXX in which I had XXXX predatory lenders on my mortgage account with a interest rate of 9.5 percent yes it is very high. XXXX XXXX was brought out by XXXX XXXX XXXX who has continue to still have these predotory lenders on my account with the same high interest rate of 9.5 percent. Under the Obama Administration in 2009 he said that there should not be any predatory lenders on nobody loans. There are also XXXX on my loan in which they were never registered in my county board of records. SPS is now the services for XXXX. I have submitted at least XXXX documents to them for a modification. I need you to look into this matter at your earliest convenience. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
We Never received a copy of the appraisal report. The appraisal was done XXXX. The XXXX time he used the wrong comparables. The XXXX time he purposely drove the value down because he was angry for having to come back a XXXX time. Little to no communication from the lender regarding the overall loan. No one explained any of the closing docs. A notary came to the house for signature and tried to explain however he was just the notary and not a licensed professional. He seemed uncomfortable answering questions. Very unprofessional process.

Company response to consumer: Closed with explanation