BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: Debt Recovery Solutions, LLC
State: NY
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 received a collection notice from this company on XX/XX/2016 claiming I owe them {$980.00} and they 're attempting to collect this debt on behalf of XXXX. I called XXXX and confirmed with them 3 times that I did not have any type of account with them. I placed a call to this collection company where they immediately asked me for my social security number which they hung up on me when I refused to give it to them. Since I have never opened an account with XXXX nor was I ever a customer with XXXX I came to the conclusion that this is a scam. I have since sent a debt validation letter to this company with a return receipt request.

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 2016-10-17
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
When I took out my mortgage ; the company I took out my mortgage with advertised low mortgage payments. The first couple of months were affordable. However, my mortgage payments increased so high that I was not able to keep up with my monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On or about XXXX XXXX, 2016, I elected to open an account with PNC Bank. I was told I would receive a bonus of {$300.00} if the following requirements were met by 60 days : Deposit {$5000.00}, make XXXX debit transactions and send a payment for any amount. I checked with the bank in XX/XX/XXXX after completing the requirements. I was told the requirements were met and the bonus will be added to my checking account. At 60 days, I contacted the bank to check the status and was told the bonus was not attached to the account. The bonus would be in my account no later than XXXX, XXXX, 2016. I called the bank and was told I did not qualify because the {$5000.00} was simply deposited at a branch and the bonus required a business check. I feel deceived because the bank held my money and now refuses to honor the bonus. Adding insult, the bank will charge my account {$25.00} to close the account because 180 day has not elapsed. The marketing rules for the bonus were not fully discloseddisclosed!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-11
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a purchase to an online platform around XXXX XXXX XXXX of {$370.00} then another purchase on the same platform at app. XXXX XXXX XXXX for {$130.00}. I checked my account yesterday XXXX XXXX later in the day and the later chg of {$130.00} was on my acct online but not the {$370.00} which was the first purchase. This morning XXXX XXXX around XXXX I checked the acct the {$130.00} was gone and the {$370.00} was there. I called cust scv and they said we see the {$130.00} and it was paid although it 's not showing. They explained that sometimes the merchants will capture the pmt then take it off then put it back on as the actual charge. I am reporting this because I am really concerned about how transactions have been showing up and disappearing causing me to be overdrawn. I have been in this business since 2011 and have never ever had another bank do this, so never have I heard of the merchants system taking the capture off then replacing it with the actual pmt charge. In XXXX there was sufficient money on my acct, extra money showed up of {$300.00} & some dollars. I thought it was monies from a sale I was expecting so although I thought it was released early I did n't think much else of it. This was on a Tues I think. By that Thursday evening all that was left was {$24.00}??? When I called they told me they do n't see where {$300.00} & some dollars was ever there. First, I had enough money and was not making that many purchases for what I had in there before the extra money, to end up with {$24.00} let alone that so many transactions came through to deplete the previous balance plus the additional money so basically over {$300.00} in charges they are saying I had it 's really confusing, and now I have to constantly check my account and make pdf copies to show proof of what I see because now it 's their word against mine about this {$300.00} and some dollars. I just feel there are some shady practices going on and I think I really need to reconsider where I keep my money. This is not convenient banking if I have to constantly monitor them, do hand calculations and audits matching transactions etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Date : XXXX XXXX, 2015To : CONSUMER FINANCE.GOVFrom : XXXX XXXX Quickenloans # XXXXRe : Quickenloans # XXXX XX/XX/XXXX, 2015-Consumer XXXX XXXX, XXXX Mortgage Refi./VA 30 Year Loan- Application Alleged Locked Rate at XXXX until XXXX XXXX, 2015. 
XXXX XXXX -License IDXXXX/Lender Representative ( AKA ) XXXX XXXXXXXXXXXX XXXX _License ID XXXX_______________________________________________________________________________Quickenloans Staff unauthorized change of Consumer XXXX XXXX XXXX XXXX XXXX XXXX, 2015 original loan application, without prior discussion or consent. 
Lender Representative alleged consumer request Change of VA Loan Type without prior discussion or consent of Consumer XXXX XXXX XXXX XXXX Quickenloans # XXXX. 
Lender Representative alleged Consumer requested new application without prior discussion or consent of Consumer. 
Lender Representative changed Locked Interest rate from XXXX to XXXX without prior Consumer notice or communication. 
On XXXX XXXX, 2015, Consumers contacted quickenloans. to inquire of XXXX Mortgage Refi./VA loan. Quickenloans telephone staff referred Consumers to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX. After Consumers provided initial inquiry information for Mortgage Refi. to Quickenloans Representative XXXX XXXX to obtain available Quickeloans Interest rate. Consumers were advised that a XXXX XXXX XXXX XXXX XXXX {$400.00} Appraisal fee was required and needed to lock the interest rate at XXXX on XXXX XXXX, 2015. Consumers were advised by Quickenloans Rep. that was the only way to secure current rate. Consumers provided payment via Consumer Credit Card. On XXXX XXXX, 2015, after providing all required documentation and logging on the QuickenLoan Message. On XXXX XXXX, 2015, the Consumer discovered that the locked rate at XXXX had changed and immediately contacted the Quickenloans Rep. XXXX XXXX around XXXX XXXX. The consumer was told that the Lender Representative was not logged in the system and to call on XXXX, 2015. 
The Consumer logged back into the Quickenloans system and discovered that an alleged application dated XXXX, 2015 had been generated with an alleged Interest Rate lock agreement of XXXX and discount fee, expiring on XXXX XXXX, 2015. Also an alleged rate lock extension fee if not agreed to by Consumer. On XXXX XXXX, 2015, the Consumer unsucessfully attempted to contact the current assigned QuickenLoan Representative on the QuickenLoan Message Board with " NO '' response. 


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Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
yes pnc bank charged my mom XXXX late fee???? balace is now XXXX????? should only be XXXX? im my mos XXXX going thru hardship?? like too see if we can get the XXXX late fee waived?? were very loyal long customers????? like too pay just the XXXX on phone??? my cell number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: CNG FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an outstanding debt with XXXX. I have been making payment arrangements and making payments every pay day, missing one payment at XXXX. It is no longer being attempted for collections in the store but rather from somewhere else. This company calls me 3 times a day, every day, even after I have talked to them and they have verified that I have a promise to pay for the last payment, due on XXXX XXXX. I have told them that they are harassing me and they need to stop calling repeatedly, and they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The caller from iq data international said " I 'm putting your account in delinquents because I was unwilling to pay it '' then she said goodbye and hung up! while on the phone I was told by the agent and manager that there is a minimum to set up an account for a payment arrangement, but was NEVER told the minimum amount, I would say I can pay {$20.00} and they would follow it up with " it 's not good enough '' ... I would follow up with then how much is? and they would not give me a percentage or amount. Idk what they were trying to do but they never gave me a straight answer to any of my questions, they refused to take my payment over the phone and told me to send it in the mail this was after they said they accept XXXX they did n't accept {$20.00} I would ask how much is accepted they would say " not {$20.00} '' I was never told a percentage or amount. It was like bickering without coming to a conclusion. Now I do n't want to send in the check because she told me she 's putting it as delinquent, I do n't know what I 'm supposed to do I 'm confused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Certified Recovery Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from CERTIFIED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CERTIFIED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 2015-08-27
Company: CNG FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Several years ago, approximately 2012, I took out a payday loan to help cope with a medical emergency. I had made payments for several months. I believe I repaid at least the amount borrowed or came fairly close. Regrettably due to the continued medical issue and resulting limitations on work, I was unable to continue paying the loan. Subsequently, My family in XXXX and XXXX were contacted by a collection agency regarding the debt. At XXXX point, my brother in XXXX had his dog threatened by the collection agency. My niece in XXXX was called countless times. She reports that the collection agency threatened to take her home. They cussed at me and left messages with cursing actions. To be honest, I am not sure if they actually threatened law suits because the language became quite escalated. I remember leaving with the distinct impression that they were discussing a legal liability. My bigger concern however is the threats to my family and the abusive language. In order to get them to leave my family alone, I contacted the agency and set up a payment arrangement. At this point I contacted a financial counselor who cautioned me that this loan may be of questionable legal standing in XXXX. Consequently I postponed payment and requested information from the agency regarding the debt. They denied that they had to provide any paperwork about the situation. I contacted the original creditor and they told me to contact the collection agency. I attempted to request the mailing address for the collection agency and they refused to provide the information. I called back with my financial counselor and they also refused to provide any of the information we requested. Even the company name was not disclosed. They may be XXXX XXXX or they may be collecting for XXXX XXXX. They identified themselves as XXXX but would not clarify if they were a department of XXXX or a separate company. It was at this point that I reached out to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

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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 2016-04-28
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have a past due account with Tower Loan. My husband and I unfortunately had to make the decision to file a Chapter XXXX Bankruptcy. We retained a lawyer and I informed a woman from Tower Loan, ( I believe her name may have been XXXX? ) that we were filing. She became very nasty and rude with me, I just responded with my attorneys name and number. Instead of calling and verifying the information I gave her, this office just has continued to hound me and my husband. They have now resorted to calling our references. For what reason? They know we are filing bankruptcy, the only reason why they would keep calling us is to harass us. AND the only single reason they would call our references is to embarrass us. These are repetitious phone calls that are just intended to annoy, abuse, or harass me and my husband.

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 2016-05-21
Company: ORG GC GP Buyer, LLC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
GC Service tacked on {$6000.00} in fees. I feel these added charges are unfair and they make it hard for you too pay your loan over time. I Asked them where the extra fees came from and no one could give me a clear reason. The gentleman I spoke with said it could be some kind of service charge but he was n't sure either. I understand that my loans have to be paid back but it 's not ok to make some pay all these unknown extra fees. I 'm now going through garnishment of wages which is % 15. If I going to pay it back it must be for the right amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Rosen Management Services Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have received several phone call from a company called ROsen Management Services. I sent them an email stating that I disputed this debt and if the debt was real to send me all the paperwork or bill pertaining to this debt. Also stated from this day forward XXXX/XXXX/2016 at XXXX you are not to contact me or my employer. and then they sent a Vertification of Employment to my Human Resoursed department yesterday at XXXX. I just want this to stop. They have also contacted my Ex husband and told him that I was going to be arrested if I did not take care of this within the hour.

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 2016-09-19
Company: GUARANTEED RATE INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted a company by the name of Guranteed Rate XX/XX/XXXX and was assigned a mortgage person by the name of XXXX, who advised me that combining XXXX mortgages would not be a problem and at the time I had an Excellent rating on credit. I submitted all the documents requested over a two month period then was asked to have my wife get put on the loan and I did that also, this turned into in excess of XXXX months of back and forth with this lender, who by the way did XXXX Hard Hits on my credit report lowering my credit, and when I asked XXXX why she said that is common, emails for proof. This company also over charged me for my home appraisal which I informed XXXX of but she said I would get that refund at closing. Last week they told me that I was NOT getting approved after several emails telling me I was. Minimally I want my Full Appraisal fee returned and would like to pursue this complaint against this Guranteed Rate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Recently I have applied for a mortgage and the mortgage company addressed an Alert in my credit report regarding my Social Security Number. The mortgage company mistakenly considered the Alert as a fraud and requested an SSA form. I believe Equifax report is against the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) as I was a student and was not eligible to apply for a SSN. After graduation, I started my OPT and I have applied for SSN. My SSN has been issued on XX/XX/2015. Therefore, Equifax put a wrong Alert in my credit report without providing enough information regarding my visa status in the US. I would like to remove or correct the alert immediately as the alert hurt my dignity. I am a permanent resident of the United States and received my XXXX XXXX from the XXXX. Equifax should not have this much power under the US flag to put a wrong alert and hurt peoples dignity irresponsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacted on XXXX occassions from people claiming to be from commonwealth with a lawyer named XXXX XXXX threatening to sue me if i do not pay him within 72 hours. I was also told I would have to pay {$5000.00} in fines and court fees and that a uniformed officer will be coming to my home. XXXX also threatened me saying " dont worry maam Ill see you ''. He refuses to give any additional information. I explained to him that I paid the card off and have proof of it and I was willing to forward it to him, to which he replied he didnt care and that I am lying and it wasnt paid and I need to pay him. He is threatening and rude and hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On or about XX/XX/2017 I sent a certified letter to Debt Recovery solutions asking that they verify the debt on account, ownership, and legal documentation of their right to pursue debt. They have not responded, it 's been over 30 days. Yet they have added a collection to my credit report. They are in violation of the FCRA.

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 2016-01-26
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
our XXXX, XXXX, and XXXX XXXX and our XXXX XXXX payments to Ditech servicing have cleared our bank. Ditech claims to not have received them. The payments were made electronically through our bank 's bill pay. XXXX XXXX, i first notified Ditech of XXXX and XXXX missing payments. despite repeated communiques, I have received nothing from Ditech regarding missing payments. I charge them with theft.

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