BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
5/3 bank is putting unjust holds on my account claiming that by using the ATM I could be committing fraud. They are putting unjust amounts of time on holds for local banks causing the account to overdraft and not allowing access to funds in a business account that is used to by product for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my full time employment the end of last year. I had been looking work and to start my own business since that time. Earlier this year my wife 's employment also changed, during the same time my father came to stay with us for a few months due to failing health. We had to look to assistance from the government. I submitted a hardship to BB & T for help with the payments we were behind. I had to submit this hardship XXXX. Both times BB & T has declined the hardship, stated unable to verify my employment or income. I submitted all paperwork I was asked for. I am still employed at the same place part time, I have been employed there for almost 5 years. We do not receive paper checks or stubs, the office staff printed out a stub for me to send BB & T. BB & T stated to my wife they would not accept this stub. I have no other way to show my income. BB & T has my tax records, bank statements and copies of wages, all that prove we are in hardship. During the time of the hardship process we had tried to send in some kind of payment. My wife spoke with BB & T, they advised her if we could send in the remainder of XXXX and another full payment by XXXX XXXX that it would be accepted. The payments were returned now causing us to be a total of 5 months behind. My wife called about a repayment plan, the first lady stated to return the payments that were sent back to us and try to add to it, the repayment plan would be a little over our original payment. When my wife called back to try to set up the repayment the next lady stated the payments would be almost double, in which my wife told the lady there was no way we could pay that. We are at a lost and trying to set up a repayment and keep our home, BB & T is trying to take our home. We just wanted a fair chance, but BB & T would not even process our hardship request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
This complaint is about being self sufficient. The only thing that we have ever requested form Select Portfolio Servicing Inc. hereafter referred to as SPS. From the beginning our position was to pay our taxes and insurance ourselves, by doing this we could pay their principal and interest ever month that they require, We fell by doing this we would pay SPS payment BY THE XXXX of Each Month. We would also have some money left over to get other things, such as XXXX, ( see XXXX ) to protect our investment. Whereas, then we could put some money on the principal to bring the loan amount down within a year considerably. 

d ) We also know our finances and when they come in doing the month. Therefore, we know how to schedule out those payments so that we would not ever fall behind on any of our Loans, Home and Car. We could even put a little something up to pay on our credit cards which would improve our credit score, thus improving us sell our house and move into our dream house, or we could get another Bank to take our loan with a lower interest rate. SPS want to take advantage of consumers. So we can see why people filed complaints against Select Portfolio Servicing Inc . The Company is trying to steal a property that was appraised at {$320.00} XXXX home for XXXX dollar investment as of XXXX 2016. We feel the second reason for this is that SPS knows when we receives our income and how we receive it because of our last modification when we had to show the income that which was coming in, therefore, this is why SPS put our payment plan to pay by the XXXX of the month, so they could always report to the credit reporting agencies that we are late on our monthly payments. Our We also know our finances and when they come in doing the month. Therefore, we know how to stretch out those payments so that we would not ever fall behind for them to every foreclose on our property ever again. XXXX knew they would taking half of our resource monthly by placing an escrow account on us. So we can see why people filed complaints against Select Portfolio Servicing Inc . 
1. See the XXXX Attached complaints XXXX XXXX XXXX pages XXXX. See the XXXX Attached complaints Why Wo n't the Government Help Against Select Portfolio Servicing Inc. Fraud. 3 pages XXXX. See the XXXX Attached consumer complaints and reviews about Select Portfolio Servicing Inc. XXXX pages We are asking The Department of Housing and Urban Development, Consumer Federal Protection Bureau, to investigated these allegations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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:
some one in XXXX Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/2020 and the second one was on XX/XX/2020 same dealer ship XXXX 's XXXX of XXXX, Kansas Phone XXXX, I also did disputes on XXXX XXXX, XXXX  and XXXX  but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan refinance with Quicken Loans. This required an upfront payment of {$500.00} and an appraisal. The appraisal was completed and Quicken Loans gave me the details of the refinance package they could offer. Subsequently, I was offered a superior package from XXXX Bank. After much consideration, I decided to pursue the refinance with XXXX. On XXXX XXXX, Renasant and I emailed Quicken Loans and requested that the appraisal be transferred so that I could complete my refinance with XXXX. Quicken Loans chose to delay the transfer until they could speak with me. After several calls and emails, it was determined once again that I would pursue the refinance with XXXX. At this point, I was passed to a different group within Quicken Loans and told that my appraisal would not be transferred. I restated my request, but was told Quicken Loan 's company policy prohibited the transfer. I professionally expressed my frustration, and found only a cold indifference to my request. 

I paid Quicken Loans to engage the appraisal company. The appraisal should be transferred upon my request. It should not be held hostage in an effort to force me to transact with Quicken Loans. 

Furthermore, I should not be belittled for choosing to transact outside of Quicken Loans. Prior to my appraisal being held, I was told that my choice to deal with XXXX was ignorant. The specific words were, " Well, if you do n't know any better, [ you would choose XXXX ]. '' I am a XXXX, and I know the differences in the refinance packages being offered. XXXX came to me with a good offer right away, where Quicken Loans revised their offer XXXX times, only to offer something a few hundred dollars better ( after seeing the details of XXXX 's refinance offer ). Based upon this behavior, I chose XXXX, and I need my appraisal before my loan lock expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Paradigm Assets, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/21 served a civil lawsuit notice. 
XX/XX/21 checked my credit report and this debt was not found anywhere on my report. 

I never knew this debt existed. I was never sent any collection notices. I was never called about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ERC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
This is regarding our XXXX mortgage ( home equity? ) ; primary mortgage is in good standing. Spouse retired because of XXXX. Contacted lender before default occurred to seek remedies. They refused to assist. Default occurred. Additional financial assistance obtained through SSA. Lender refuses to accept any payment until entire default amount is paid in full. Foreclosure imminent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to a weather events our house sustained damages in the neighborhood of {$57000.00}. Because it was XXXX in damages the mortgage company restricted my loss drafts. The last draft was due to the contractor and myself to recover the depreciation values and the supplemental repairs. The mortgage company refuses to release the last payments and claim that they need more documentation both our contractor and ourselves have provided that documentation 6 times already via fax, email and regular mail. When we call for an update on your checks they ask for the same documentation that has already been sent to them 6 times. They also make you wait 3 days for an update and when you call back, again the ask for stuff that was already provided to them. There is no consistency with your case manager, you always get a different person and it is always the same excuses. The company is Penny Mac.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am currently unemployed, so I am looking for work. I received an email about a XXXX XXXX position on XXXX/XXXX/XX/XX/2015. I requested more information and and received additional details and some paperwork to complete from XXXXXXXXXXXX. After I performed some research on the company and not finding anything negative, I completed their paperwork on XXXX/XXXX/XX/XX/2015 and awaited further instructions. On XXXX/XXXX/XX/XX/2015, I received an email advising that I had been chosen as a XXXX XXXX. I next started to receive calls from XXXX XXXX XXXX XXXX XXXX XXXX who started the training process of me initially processing checks for their customers as well as funding loans. I was also contacted from XXXX XXXX XXXX XXXX. They wired funds to my account on XXXX/XXXX/XX/XX/2015 and XXXX XXXX to Money Gram this to XXXX of their customers. This was done today XXXX/XXXX/XX/XX/2015 and the Money Gram reference # XXXX. Shortly after the funds were sent, they reversed the initial funds from to my account. The amount of my loss is {$990.00}. Please let me know if you need additional details or if you have questions. This company is still in operation doing business as usual. I would like to see them taken down as they stole my hard earned money and are still using the same website, phone numbers and email addresses. I would like to help out as best I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XX/XX/2015 I paid my XX/XX/XXXX lease payment and set up auto pay for the account. The auto pay did not work. I noticed that the funds were not withdrawn from my account in XX/XX/XXXX by which time I was past due over 30 days and I was reported to the credit agencies. In researching this, it came to light that BMW FS sends out a reminder email within a week after a missed payment. In my case there was a " clerical error '' which has been admitted by BMW. Yet they will not acknowledge that it is unfair that I was the only customer of theirs that did not receive an email or notice and hence affecting my perfect credit profile adversely. I have had XXXX leases with BMW and spent over XXXX without being late- and yet they refuse to see the correlation between a wring email and lack of notification ( when I set up auto pay thinking all is well ) and the situation that I am in. They also claim their third party sub contractor called me, yet I have no message or record of it ( I have provided my phone bills to them. ) They keep telling me that it is my responsibility - how about a functioning website and having my email input correctly- whose responsibility is that? I believe my track record speaks for itself. Yet they keep telling me by law they have to report me and can not do anything and from what I have been told and have read that is simply not true. 

Simply put, why was I excluded from learning of the situation with my account by a misspelled email address in their system- which they have admitted to?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Experian Information Solutions Inc.
State: NY
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 company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 311 ( 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 manner as soon as possibile. 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 non-monetary relief
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Account XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: TX
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:
some one in XXXX  Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/XXXX and the second one was on XX/XX/XXXX same dealer ship XXXX XXXX XXXX XXXX XXXX, Kansas Phone XXXX-XXXX-XXXX, I also did disputes on XXXX XXXX, XXXX  and Experian but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.

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 2016-10-19
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been in contact with Jefferson Capital Sys for over two weeks trying to verify the account and the dates they will only say that I owe this collection. I have ask on 3 occasions for them to mail me info on the account and the process to dispute its validity but I have recieved nothing, I also contacted a credit agency to help me get more info and they have not been able to verify the account only to say they have my name an social security number, I need help ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX at approx. XXXX I attempted to deposit {$3000.00} cash in the atm machine inside the lobby at the PNC bank at XXXX XXXX XXXX XXXX. XXXX GA XXXX. The machine did not accept XXXX of the XXXX XXXX $ bills and then the machine malfunctioned and a screen showed " Unable to complete transaction please contact your banking institution '' It then returned my card with no receipt and kept {$2900.00} without depositing the amount in my account. I then called the number on my card where I was transferred over to a voicemail multiple times by attendants who seemed unconcerned with my issue. I went into the branch the next day where the bank manager initiated a dispute. I have spoken to the operators with customer service no less than 7 times over the last 13-14 days. I was told an investigation would then begin and that provisional funds in the amount of my loss would be in my account in no more than 10 days from my loss. At 10 business days ( 12 days total ) the funds were not in my account. I called the customer service line again to ask why and they told me there are no disputes in the system. I then found out once they reviewed notes that operators from within PNC had entered XXXX separate disputes for the same event. As I understand it the XXXX operators had then entered the system to erase the duplicate dispute and by doing so they accidentally erased the original and the duplicate because they did not read the notes. I asked them what this means and they stated they would have to start over and initiate a new dispute. They will not provide me with any other info and it would seem everyone I have spoken to conducts themselves with an amount of disregard for customer concerns even if they do so politely. Incompetence followed by a policy of disregard with a smile is still incompetence and disregard. When I asked them or told them I will have to speak to my attorney and or the media or someone who could help me the woman became slightly rude and asked me " am I threatening with legal proceedings or media '' at which point the woman seemed to indicate that it would interfere with the process and that she would have to turn me over to the " escalations '' dept. She behaved as if I was now doing something wrong. No matter who I call or what I do I can not seem to get any specific answer on when I will get my money back if at all. The company is displaying habitual incompetence coupled with what seems to be a policy of blatant disregard for the consumer. Any help you could provide me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
They continue to deleted and re add debt every few months. It was taken off and now they put back with a new date as if the debt just started today. They even share with other collectors and double report the item. I have listed the deletion from the past. Today it resurfaced. I am in a home purchase currently please help. 

XXXXXX/XX/XXXX removedXXXX XXXX $ XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX CHECKING ACCOU ( they sold and readded today ) {$1200.00} XXXXXX/XX/XXXX removed dateXXXX XXXX XXXX XXXX XXXX XXXX $ XXXXXXXX Removed dated but today the reaaded and changed collectors name. 

XXXXXXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is my second complaint. The previous one was completed by my loan officer, XXXX XXXX. I purchased a car through Nissan Motors in XXXX  of XXXX. I am the only borrower and I bought the car for my wife. She is now my ex wife and I was unaware that she was not making payments. She was behind for three months. Nissan never called me or notified me that the payments were late. XXXX XXXX gave me a pre-approval letter and I am under contract to purchase a home. When I received my credit report, I noticed my ex-wife did not make 3 payments. In order for me to continue with this contract, I made a payment and my ex-wife also made a payment on XX/XX/XXXX and brought the account current. I requested a letter from Nissan so that I can re-score my credit report. Nissan refused and said that they can not provide a letter stating that the car loan is now current until 21 days have passed from the payment I made on XX/XX/XXXX. Nissan 's reason is that I may possibly withdraw the payment already made. This is ridiculous and is causing me a real financial harm to me because my escrow deposit is at risk because I can not be submitted for a mortgage with the Nissan tradeline reporting as late when it has been current for the past sixteen days.

Company response to consumer: Closed with explanation