BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card
Issue: Other

Complaint:
After making arrangements with other cards ; I went to the account that I hv filed regarding both Capital One cards ( XXXX ) with you already. I saw that Capital One has not responded yet. After calling them on XXXX XXXX, XXXX and speaking to XXXX ( Collections Manager in Virginia ) did not respond to allow my account to be charged off. Let me explain : I spoke to XXXX in the collections to set up payment arrangements and she documented my account and stated I can pay {$20.00} month starting on XXXX XXXX, XXXX via mail, bill pay, XXXX XXXX, or XXXX. I was transferred to XXXX ( Collections Manager ) to speak about why they have not responded on here. XXXX saw the notes on my account to set up a payment arrangement and he stated that if I did not pay {$25.00} in eights days ; the account will be charged off. I explained I already set up payment arrangements in this department with XXXX and he stated I am unable to wait until XXXX XXXX. I explained to him that I called Capital One starting in XXXX XXXX, I mailed a letter XXXX XXXX, XXXX and Capital One has yet to enroll me in a hardship program like I asked. I explained to him that I could mail {$20.00} preferably but I can mail {$25.00} on XXXX XXXX, XXXX. XXXX stated my payment wo n't make it in time and the account will be charged off. I am requesting your department to investigate Capital One for purposely not enrolling me in a hardship program ( which would have allowed me to make low montly payments, prevented my account from being charged off, and I would have been on a regular monthly payment plan to pay off my cards ) I am also requesting that your office investigate Capital One for not responding to my original complaint ( Case number : XXXX ) so that my account can go in charge off status to lower my credit score. Capital One did this out of retaliation because I filed with you. They should not be allowed to prevent any consumer to make payment arrangements under hardship reasons ( I would qualify ) especially when I called before it was delinquent. When I called Capital One ; I was less than 2 months late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: LEXISNEXIS
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I repaired my credit in 2008 as it had incorrect information - wrong names, social security number, employment history, etc. Now, XXXX plus years later I have completed a loan application but can not complete the signing of the application because I can not answer the security questions. The loan firm is ( XXXX ) who uses ( XXXX ) who in turn uses the LexisNexis database. Apparently the credit agencies did not update LexisNexis with the proper information so I can not get the final approval for my loan. I now have a hard search on my credit for nothing due to the misinformation in the LexisNexis database.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They failed to verify the debt and did not provide the information that i requested from them, to verify that i actually owe what they say i owe. 

I clearly requested how the amount was calculated, a contract that i signed, copies of the billing statements from the original creditor, documentation that they own the alleged debt, or verification such as a contract between them and the original creditor that gives them authorization to collect the debt, a copy of there collection license and/or authority to collect in my state. 

All of the letters they sent me do not include any credible information and they are clearly ignoring my verification letters. They are sending me the same letter every time that does not state anything of value and is irrelevant to my letter. 

Copies of all letters sent and received are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
There were charges made at XXXX stores using my credit card which I did not make. I do not make purchases for those amounts anywhere. I rarely shop at XXXX and when I do, I do it online. The fraud department for my credit has advised me to contact the police and file a report. The charges were made on a another credit card not the XXXX XXXX XXXX. Although I do own one I do n't use it. I have been in contact with Capital One which was the credit card that was used. They cancelled that card and gave me a new credit card number since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for CAPITAL ONE AUTO FINANCE to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: BB&T CORPORATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had an account with BB & T Bank. When I opened my checking account I specifically stated I did not want them to process any transactions that would send my account into an overdraft status. I clicked on the " opt-out '' link. BB & T allowed many transactions to go through on several occasions which resulted in exhorbitant overdraft fees. I paid BB & T for some transactions. I even spoke to a representative who stated she saw where I " opted out '' and she refunded my money for this. However, BB & T continued to allow transactions to go through and now they are trying to collect these funds from me. I have spoken to several representatives in customer service trying to resolve this matter but to no avail. I do not believe I owe BB & T any money because of their negligence. I want them to cease all collections activity and to remove all disparaging information from Chex Systems, Telecheck and any other consumer reporting agency that they have reported this information to. It is not right for them to disparage consumers based on their negligence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Creditor's Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous calls from ( XXXX ) XXXX and ( XXXX ) XXXX, both of which belong to Creditors Collection Service. However, I only know that because I searched the numbers online. The calls to my phone either do no leave a message, or the message is a recording of a man leaving only the phone number ( XXXX ) XXXX. He does not say anything else in the message. I have records of nine calls since XXXX/XXXX/2016, but there were more before those.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My 2nd lien mortgage is very delinquent due to a BK and payments not being paid to the creditor during the BK. I have tried everything in my power to work with this company. As I am now able to make the payments and keep the loan current. I sent a check for XXXX payment {$19000.00}. The check was not cashed or returned. This would cover all the PITI. leaving only fees and forced placed flood insurance ( my hone is not in a flood zone I paid the {$500.00} to have a the home re-survey and the letter needed for XXXX to remove it ) Not sure why the 2nd forced placed insurance and my first lien did not. I attempted to call and e-mail their advocacy group and was told they can not talk to me due to a cease and desist order. I exampled that was put in place due to the BK and that only means they can not contact me but if I 'm seeking out help they can talk to me. The rep refused to give me any additional information as to where my {$19000.00} went and why it was not accepted. The loan has not been breached and is not in XXXX they send me a monthly statement. They have no right to refuse payment. They have in no way issued a demand letter demanding payment in full. I tried to send them the full XXXX payments I am behind in XXXX payment and like I said above not sure what happened the check has not been cashed or returned and they wont talk to me. The chpt XXXX BK was completed XXXX 2015 all payments were paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was not aware that XXXX sold my mortgage to Carrington Mortgage Services in the month of XXXX 2015, until I logged in and found that nothing was working, and none of my loan information was available. I ended up sending an email to XXXX to see what was going on, and they informed me of the mortgage being sold. This was fine, until I went onto Carrington 's online banking site for my Mortgage and found that they had increased my interest rate by one percent. When I called to try and get it resolved, they told me it was my responsibility to fax them the original paperwork for my mortgage with the correct interest rate. I do not feel it is my responsibility to correct this issue, since I never agreed to a higher interest rate and they had made the mistake. I feel like they probably do this to a lot of consumers in hopes that they are not paying attention and will steal more of our hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: LoanCare, LLC
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Absolute nightmare to deal with it. Waited on hold for sometimes 30 mins for what I viewed as simple questions. Once a representative would pick up I would proceed with my question, if they did not know the answer they would simply hang up the phone and I would need to spend another 30 minutes to get a hold of someone. If the rep did not hang up on me I was usually provided in accurate information. Without question the worst company I have ever dealt with. Luckily I have closed out my loan and after an hour and half of attempting to verify the address where the tax documents would be sent, ( after 3 unsuccessful attempts ) I hope I never have to contact them again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home in XXXX XXXX and had my loan serviced thruogh XXXX. I had set up automatic payment to come out the XXXX of every month and had no problems or missed payments. On XXXX XXXX XXXX I received a packet in the mail stating starting that day my loan will be serviced through Loan Care. I never received anything from XXXX saying they were selling my mortgage. I contacted Loan Care to find out how to pay my XX/XX/XXXX mortgage since it was due that day. When I contacted Loan Care they were unable to tell me anything because it would take some time for my account to be loaded into the system. They told me to go ahead and send a payment in with the coupons that came in the packet of info. I mailed the payment and coupon on XXXX XXXX and kept checking on the status of it for 3 weeks. The payment has not cleared, I am being told that I am past due. I asked if I should stop payment on the check and just pay online. I was told if I stopped payment on the check I would be charged a XXXX dollar NSF fee. In the meantime, I set up automatic payment for XXXX XXXX mortgage and that payment has n't cleared the bank either. I never asked to be sold to another company and this has been a headache for about 4 weeks. I have made 4 phone calls and no one has been able to tell me Anything. My homeowners insurance was also renewing in XX/XX/XXXX and my insurance company had no idea who to contact regarding billing. This is ridiculous. I can not believe that I did n't have to legally be told sooner than the day payment was due. XXXX never informed me of anything. They sent the XX/XX/XXXX statement saying the normal payment was due but never anything about selling the mortgage.

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 2016-08-22
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an account with PNC Bank in Pennsylvania. I setup an online mortgage payment for XX/XX/XXXX. PNC disbursed a check to my mortgage company on XX/XX/XXXX, postdated for XX/XX/XXXX, then allowed the mortgage company to cash the check on XXXX which caused 1. my account to be overdrawn and 2. The check to be sent back and then redeposited. I was charged a NSF fee and called to find out if the check would be honored on XX/XX/XXXX. PNC could not give me an answer and suggested to be safe that I set up another payment. So because I was traveling out of state by train and knew that I would have no access to a phone or computer I scheduled a backup payment for after I returned on XX/XX/XXXX. PNC again disbursed the payment on XX/XX/XXXX ( the original payment had eventually been honored on XX/XX/XXXX ) causing my account to be overdrawn again and charging me another NSF fee. When I called them to have the payment stopped I was told that I would be charged for stopping the payment and for the fax to the mortgage company requesting that they do not re-deposit the second payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their companies has on file that they used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA-they are required to '' promptly delete all information which can not be verified '' that I have disputed. please resolve this matter as soon as possible. Thank you.

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 2016-11-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On my XXXX mortgage payment to Carrington mortgage services I made a paper check payment in the amount of {$470.00}, which was the full amount due. When I looked at my bank statement I saw the mortgage company withdrew {$1100.00} which was {$700.00} more than I wrote the check for. The mortgage company has refused to refund me the {$700.00} they took from my account without permission and they t have told me every week for 4 weeks that the money is in my account. I have sent them my bank statements showing the money is not in my account and have contacted my credit union to make sure there have been no attempts to put money into my account. The mortgage company is now telling me I am not eligible for a refund and they have n't even applied the {$700.00} to my mortgage account, so it appears they hare just keeping my money. Now any attempts I make to discuss this matter with them over the phone I am put on hold fro 20-30- minutes until I hang up from frustration. This has been a huge financial distress for me and my family as this was an entire week paycheck and has made it difficult to pay my normal bills and buy groceries and gas for the entire month of XXXX because of these missing funds. I made my XXXX payment as requested so obviously the {$700.00} was not applied to my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage ( specifically a Home Equity Line of Credit ) payment amount was {$1300.00}, and its bieng changed to {$770.00}. The process is a " PNC Loan Modification ''. PNC has a 3 month " trial '' period for this program. If all XXXX payments are made, the loan amount becomes permanent. 
The problem is that even though they approved my loan modification, and I am making my payments on time ( I gave them XXXX check numbers so they can process XXXX every month, on the XXXX, by themselves. Insuring I wont ever be late. ), they still send me collection notices. These " notices '' say they were unable to contact me, and its very urgent they speak to me, and I am XXXX or XXXX or 90 days behind on my payment. 

When I call, as directed by the PNC letter, I am told my account is current and not to worry. PNC says these are automatic and can NOT be stopped. They tell me my account is in good standing, and ignore these letters. 
However, its been a month, and I got another XXXX. I called ..again ... .and was told the same things. 
They also are reporting me to transunion as being late. 
I feel this is just terrible and wrong of them! They tell me collections will continue during this 3 month trial because some people dont make it through the trial period. I want to know why am I being penalized because " other people '' failed this trial period? 
Because of this PNC loophole, If you pull my credit report, it showed I was 30 days, and now 60 days late, and next month there will be a 90 day XXXX. 
Nobody can see that Im " really '' not late, and im in a trial period for a modification, and Ive made XXXX of my new payments on time. All you 'll see is the late marks ... and my every lowering credit score from this. 

I do what I am told. I call, as per these letters, and Im approved for the loan amounts, yet I am being reported, my credit score lowers, and have collection letters sent to me, that even PNC tells me to ignore. Does this seem fair? 

Can anything be done? This just seems wrong to me. I should n't be penalized for doing what I am supposed to do, should I? Why cant PNC stop the collections, even if just for these " 3 month trial periods ''? Cant they give me the benefit of doubt that I will continue to make the payments, which I have been making so far? 

When I try to find someone at PNC to ask if they can stop the reporting, I get the run around. Collections dept transfers me to the supervisor, who transfers me to something called " c cat '' dept, who tells me I have the wrong dept, and I need to speak with collections. Enough to drive even the most patient person to insanity!! 

Nobody at PNC seems to be capable of helping in an way. They brush me off, and transfer me around to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Alliance One, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am submitting a XXXX complaint on Alliance One Receivables because they has already been a complete disaster. They are continuing to report XXXX collections on my credit report that do not belong to me. I put in a complaint and got a response from XXXX XXXX with what is suppose to be a debt validation letter with Pictures of tags of vehicles that do not belong to me no am i the owner of the vehicles. In the letter XXXX XXXX responded stating they were going to remove the accounts from my credit file. I contacted today XXXX XXXX who gave me XXXX different AUD Control numbersXXXXI spoke to XXXX and gave the control numbers to them in which they sent it to their quality department and they researched the AUD numbers and was advised that Alliance one put the wrong SUB Code with the AUD on XXXX system. This is a complete back and forth that is going on and they are not trying to help me get this deleted from my file even after XXXX XXXX said they were going to get this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16
Company: CONTRACT RESOLVE GROUP LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX - repeated calls after informed not to call. Additionally informed the claim is no valid and has been disputed. XXXX threatened to continue calling even though he was asked not to call again. He said he did n't care and would call until he got paid. To date there have been at least XXXX calls from him in the last week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Southern Financial Systems, Inc.
State: LA
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 did not drive through or been in " XXXX XXXX Mississippi '' for the last XXXX15 years.I never did live. 
I got a threatening letter from Southern Fin. Service asking to pay {$150.00} they listed account # XXXX. 
Their address is SFS XXXX MS XXXX phone # XXXX. 
I wrote them, and they keep harassing me for such amount,. 
they refuse to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation