BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-26
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
We have never received notification from this agency regarding a medical bill. The only way we found out about this debt was through a derogatory collection mark placed on the credit bureau report. We want to pay the debt, but feel the item should be removed from the CBR because we did not receive notification of the debt. The agency will not remove the item, says the can update. Claims they have validation we knew about debt. This is not true. The numbers they gave and stated they were contacting us were not even our phone numbers. We just updated them with the correct number when we submitted the dispute. The item should be removed from the CBR as we were never given time to dispute this before it was placed on the CBR. We never received any notice until we disputed the debt in XXXX 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They have not properly validated this account as mine, nor provided enough information to be certain it even belongs to me. They keep sending same canned response letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Williams & Fudge, Inc
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
This agency constantly called a place i consult for work, This might effect my relationship with this employer, negatively impacting my ability to work. I was told that they kept on calling. That is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: ATG Credit, LLC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am XXXX and all my school loans were paid off by the XXXX discharge in XXXX 2015. A few weeks ago I started to receive calls from a bill collection company names ATG LLC asking me to pay my bills. I told the XXXX who is the debt holder for XXXX XXXX that i have confirmation that the debt was paid. XXXX and his company ATG LLC continues to harass me with letter and calls. XXXX and ATG LLC went as far as adding the debt back to my credit. Its not my fault that XXXX XXXX got paid for my student loans and did n't communicate with ATG LLC. I have the proof that all debt was paid and I should n't be harassed with letter and phone calls everyday. Then to see the debt on my credit report which took a big hit over a debt that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Comerica
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
Direct express debit card company owes me XXXX dollars for breach of agreement for delivering my new MasterCard beyonthe two bussiness days express XXXX starting from issue date XXXX XXXX, 2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-24
Company: Pinnacle Credit Services, LLC
State: FL
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 have sent 2 communications by mail to this company requesting that following the standards of the law and my rights that they provide me proof of my signature validating that I owe this alleged debt. I have waited over 60 days and they have refused to respond with proof this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My Loan : XXXX at Quicken Loans I originally got started processing my Quicken Loan application with XXXX XXXX ( Mortgage Banker ) and uploaded my Verification of Assets on XXXX/XXXX/2016. However, somehow I lost communication with XXXX, and later on, got in touch with XXXX XXXX ( Mortgage Banker ) on XXXX/XXXX/2016. 

Next, XXXX XXXX passed me XXXX XXXX ( Client Care Specialist ) on XXXX/XXXX/2016 in entering the Underwriting stage of the loan process. 

Keep in mind Quicken Loan 's Verification of Assets says this : To close your loan, we need to verify that you have {$9500.00} in assets for reserves. This amount is subject to change as your loan is processed. Please provide bank, depository or brokerage statements, 401 ( k ), 403 ( b ), a Keogh account or an IRA statement showing a 60 days history for this verification. 

Given that I provided my XXXX XXXX bank statements on XXXX/XXXX/2016 and the Underwriting process started on XXXX/XXXX/2016, I felt Quicken Loan 's Underwriter made a bad decision to have me pay around {$500.00} for the appraisal performed on XXXX/XXXX/2016 when there was a chance the Verification of Assets could be a show stopper. As it turned out, it was a show stopper. According to Quicken Loan, my letter of explanation for assets was decline. So basically, I did a cash deposit of {$2100.00} on XXXX/XXXX/2016, {$3000.00} on XXXX/XXXX/2016, and {$5000.00} on XXXX/XXXX/2016 from my home safety deposit box and this reason was rejected. 

Good business practice of the underwriter should have been take care of all the necessary show stopper paperwork first before having a possible lender pay for the appraisal. 

Given I contacted Quicken Loan based on your recommendation, can you please help me get a refund from my appraisal? 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Second filed complaint, original file number XXXX has not been resolved. Dovenmuehle Mortgage has provide false information regarding the details of my escrow refund. Supervising agents information is not inline with company 's response and no refund has been received. Each communication with Dovenmuehle Mortgage has been consistent and has shared miss leading and false information regarding refund payment. 5 months is NOT compliant with RESPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Medical Business Bureau
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Medical Business Bureau ( MBB '' ), alleges that I owe {$360.00} for medical services rendered on XX/XX/XXXX. I processed a dispute with the XXXX credit bureau 's ( also submitted proof of having charity care through the state of NJ ) I contacted the doctors office and left several messages but no response was rendered. I have requested a verification of debt from MBB via certified mail delivered on XXXX and XX/XX/XXXX, but they have not produced one. I expressed all my concerns to MBB representatives, but they do not have answers. MBB is, however, reporting negative information on my credit reports, which affects my credit score and future planning. MBB is also not following the requirements of the FDCPA. I never received notice of the debt as required by 15 USC 1692g.. MBB has failed to produce anything in response. I am requesting that MBB cease all collection efforts and remove any negative information from my credit reports. I would like confirmation that this information has been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am XXXX XXXX XXXX XXXX, I am a XXXX and I was studying XXXX in your country with a XXXX. I opened an account in the Bank of America in XXXX, the account number is XXXX. 
XX/XX/XXXX I did an online transaction with my debit card, I paid XXXX dollars for eight ( 8 ) days in the XXXX hotel using a web site of XXXX. That company had a similar name of XXXX. When I received the confirmation email I realize that that company was strange maybe fraudulent. I called to the bank of America and blocked my debit card. After I called to the police and I called to bank of America again, and a girl said me that XXXX tried to get twice my money, then I started a process for a fraudulent website, but the bank made a mistake giving me XXXX temporary credits each XXXX for XXXX dollars. I returned XXXX credit XX/XX/XXXX in XXXX in an office, and I returned to XXXX XXXX XX/XX/XXXX and I did n't use the hotel. I did a deposit of XXXX dollars for the second credit from XXXX XX/XX/XXXX because the bank said me that it was n't a fraud transaction because I did it online. 
I did a new claim by non giving services to XXXX but XX/XX/XXXX the bank said me that the claim was closed and they did n't say me anything about the answer of that company. XX/XX/XXXX I called to bank of America front to cancell the account but they gave me another temporary credit that I did n't ask or want and they used this credit to lay the monthly maintenance fee. Now I am trying to return the credit to the bank but they do n't answer my calls if I use my account number. I do n't want to have his account opened because I am in another country. 
Please I want to close this account, candid it 's possible get my money back from XXXX. 
Thank you very much for your help.

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 monetary relief
Consumer complaint received 2016-05-05
Company: Eagle Accounts Group, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Eagle Accounts Group to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was left a message by a " courier company '' about documents that supposedly had been left at an office and I need to call about. or they were going to call for legal action. If I did n't contact them by end of the day, they would come to my work or home. When I called, I got a mediation company, who then said they were transferring me to some legal firm. The person mumbled a name and when I asked him again, he would n't repeat it. I was then sent to some kind of a legal specialist..that was the XXXX person I talked to. They said it was too late to do anything, they were filing papers to take me to court, that I was more valuable that way. They said it was a debt from a credit card not paid on, and it was too old to dispute it, so I had to pay today, and agree to give them money. I could n't even get a clear idea of what they wanted from me, then they said I needed to authorize an amount to give them and give them a credit card number or check number. Still unclear of what the debt was or proof that it was me, said they were recording me and I had to swear under oath to give them this money. Then another person came on the line, saying I had to agree to the money right now, then the whole conversation went nasty. Started calling me names, told me I was a piece of XXXX, said they were coming to my home, belittled me for the way I lived my life, started reading off information about my children and how pathetic I was to have debt and how I was no good. He started screaming at me when I would n't give him any money information, kept saying how they were going to take away anything I had and freeze all my accounts, then said if I did n't agree to pay him now, I would end up in court and said I was more valuable that way..he would n't stop calling me names. He kept coming up with different numbers to pay him, and kept taunting me to make an offer that it was recorded and that I was swearing to pay that amount. I was given no ID, no full name, I do n't even know this was for me. I finally got him to admit someone had bought this debt and he was trying to get money for it, and said I was garbage for not being responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Balance transfer

Complaint:
Bank of America charged interest even though I paid the non promotional balance in full. When I took the promotional transfer they explained that the minimum payment would be allocated to the lowest finance charged balance, in this case the promotional transfer. Therefore I would have to pay the minimum balance plus the entire activity balance in order to avoid paying interest. They claimed to disclose that if I used the card for purchases that even if I paid the minimum plus the monthly activity in full that I would still be subject to {$1.00} minimum finance charge. I do not believe that this notification was made to me. How could I understand the intricacies of how the payments are allocated and not understand that if I chose to use the card while I have a promotional balance that I would pay a fee regardless of paying of the monthly purchase balance in full. I can no longer use this card for purchases without incurring a minimum finance charge of {$1.00} as long as a have a promotional balance.

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 monetary relief
Consumer complaint received 2016-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Notification that because the Fed had recently increased interest rates that our home payment would increase again on XXXX XXXX, XXXX. 

To my knowledge there has been no increase since XXXX XXXX, XXXX ( according to the " Guardian ''. According to the guarding again : " The Federal Reserve ( Fed ) put any further increase in US interest rates on hold on Wednesday, announcing rates will remain unchanged for at least another month '' in the Fed XXXX meeting. 

Why would Bank of America be allowed to raise rated at this time?

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 2016-06-27
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Same as a year ago. Navient. I have finally got a payment that I can make with them, and it have gone up every 6 month or so. I do n't know if they want me to default on my loan or what. Started out with a payment of {$550.00} a month. Then it went to {$550.00} a month. Now its up to {$570.00}. My payment was suppose to stay at {$550.00} a month, due to me making {$20000.00} a year. I have never missed a payment, they have put me in a terrible strain again with my payments. I also need to know, If I was in the last lawsuit they the consumers won with Navient. If so, all of the funds can go to this loan. Please let me know what my next legal move should be. I get very tire of trying to do the right thing, and get dirt kick in you face at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Issue: Other

Complaint:
I need your assistance in helping me to the Bank of America account removed from my credit file. This account was originally opened by me but since the account was opened, I lost my wallet and many of my opened accounts was compromised. I have informed my creditors that my account was compromised. So, this account should be removed due to fraudulent activities.

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: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I opened an IRA XXXX Traditional ) in XXXX at The XXXX XXXX XXXX XXXX, MA XXXX XXXX Br-anch. In XXXX I added to it. I thenmoved in XXXX XXXX and forgot about this accnt. 
Now in XXXX my Father finds an old statementof the money and interest that I had in this acct. 
XXXX trust no longer exists. It became XXXX Bank and then Citizens Bank. Thecurrent bank has no record of my original acct. 
I do not remember every receiving notice of anaccount from XXXX savings bank. 
In XXXX when I moved to XXXX I have since moved8 times and my name has changed. How do I goabout finding this IRA? Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/2022 I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. 
On or about XX/XX/2022, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. 
On or about XX/XX/2022, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SPS Loan # XXXX XXXX XXXX XXXX, XXXX CA XXXXSPS has never offered the homeowner any alternatives to foreclosure, and is refusing to entertain the possibility of a short sale. There is an upcoming foreclosure date and we have submitted a short sale package with an offer. We are requesting the auction to be postponed and allow time for short sale review. 

1 ) Valuation fraud XXXX all properties with SPS are mysteriously {$75.00} - $ XXXX higher valued than market value when a file is submitted. NO ONE hired by SPS has been in this property recently to review the homes value. 

2 ) SPS violated that Home Owners Bill of Rights in California and likely violated the agreement that the Keep Your Homes California loan placed on the property. The home owner applied for and obtained federal money from the Keep Your Homes California program that was paid to bring this loan current. The initial default on the loan was due to her husband passing away. Once the money was received to bring the loan current, a further hardship was realized when she was laid off from her job. At no time has SPS attempted to reach out to her and attempt any type of workout. 

3 ) As we have come accustomed to .... We expect that the CFPB will get the form letter canned response from SPS that we have seen over and over again. If the CFPB tracks SPS ' response they will notice that they are all exactly the same .... it is interesting that at no time did SPS comply with California 's Home Owners Bill of rights. I also find it very interesting that on ALL of our files with SPS we have had to file CFPB complaints to get them to work on them. We have been told by employees in your company that you are extremely understaffed ... which raises the question ... is SPS simply a foreclosure mill in violation of state and federal law ( as well as defrauding their investors -- which they are doing ). Only giving cash for keys instead of doing a work out is a great way to not have to hire employees to do work outs ... I will hand it to SPS, they believe that they have found a way to circumvent both State and Federal Mandates -- - I would request that the CFPB pull all servicing and correspondence records on this file ... We will be happy to submit address and loan numbers for all of our current and past SPS files to help build a case against SPS. I am sure that if the investors ... who by the way end up paying cash for keys offers to the home owners, would be appalled to know that SPS continually violates State and Federal Statues that may one day result in increased losses to them. I also find it odd that SPS is the ONLY lender that we are current having this issue with non-compliance with State and Federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On numerous occasions I have sent Qualified Written Requests ( QWR ) to Select Portfolio Servicing ( SPS ) for them to prove they have written authorization via a valid Pooling and Service Agreement or via a Certified Assignment submitted to the XXXX County Recorder 's Office that they legally and lawfully were assigned as servicer to an alleged note attached to my property by investors of XXXX XXXX Mortgage-Backed Security. SPS was also required explain why they sent me two different Deeds of Trusts to the same property with one dated XXXX XXXX, 2004 that was obviously altered by someone and also contained forged signatures and initials.

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