BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have a home equity loan wit h BBVA Compass. Rec ently, a leak in shower pipes caused a great deal of damage for which I 've filed an insurance claim with  XXXX   XXXX .  XXXX  has been great to provide payment for me to get my home repaired. I walked in to BBVA Compass t o deposit a check from  XXXX  to get the work done on my home. The branc h manager explained  they were not able to take the check at the branch. I had to sub mit a Hazard Insurance Claim Disbursement Request F orm and send paperwork, along with the check, into the bank. I 've had to pay for the repairs myself while waiting for the checks, already approved by insurance, to be deposited into my account. Currently, I 'm out a little over {$12000.00} and have been forced to take money out of savings to pay bills. The process, according to BBVA  Compass, takes 2 weeks to get funds into an account if you have a Home Equity Loan with  the institution. Two weeks ...?? to process a check from a large, reputable insurance company? I wonde r if BBVA Compass is ca shing the checks and reaping the rewards of interest on my funds? {$12000.00} is not a great deal of money for a financial institution to try and scam, but if all of their other customers are having to deal with the same situation, it could probably add up very quickly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-21
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
To whom it  may  concern : In 2013, I cosigned a loan fr om Santander Consumer f or a  XXXX   XXXX   XXXX . Since then, the signee and I have experienced problems, ranging from lost payments to unfulfilled agreements. One of the more pressing issues, however happened last  XXXX , when they repossessed the vehicle without any letters or notifications to let us know. Worried about my credit, I called Santander and negotiated a reinstatement amount ; they also agreed to remove the repossession since I was going to pay. As a cosigner, I went ahead and paid the full amount and I retrieved the car. However, the agreement was not kept. The repossession was not removed from my credit. Thus, I would like to formally request the removal of the repossession last year from my account and credit report. I have made several payments since then, as well as going so far as to pay extra. As a second point of contention, I would like to request a reconsideration of the interest rate on the vehicle, pursuant to the Arkansas ursery law. he current rate of the loan is 20.6 %, which is 3.6 % over the Arkansas cap of 17 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I 'm a veteran and my gi bill was supposed to cover my schooling. Not only was my gi bill never used, like i told them to, but i was also a single parent and should 've qualified for a pell grant, but instead they did n't even offer that to me. They persuaded me into doing these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is w ith Fay m ortage servicing company and  XXXX .   I disputed a late being reported on my mortgage. It was found to be inaccurate and incompletes at end of investigation. It was to be removed. They deleted my mortgage. It took weeks to get my mortgage back on. However once I did they put the already investigated late back on. It also was never reported to all  XXXX  agencies. This lead to my score dropping  XXXX  points. Resulting in denial of loan closure. Please see this is rectified immediately. I need to close on a loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is regarding the mortgage account at  CapitalOne 360  Mortgage where I have seen erroneous fees charged to the account, a payment in suspense account not being applied to anything, and utter confusion as to how this mortgage account has been handled, since the loan modification was done in   XXXX  . I have attached a detailed summary from   XXXX   to Present showing the fees/charges with no explanation as to what is being charged for. In addition, the mortgage balance has not decreased in spite of payments being made on time for the past 6 months, since the modification was completed. I am really at a loss for an explanation from  CapitalOne as to what is the status of this account and the account manager, who is listed   as a point of contact has never contacted me via phone to explain for this account. I have left several messages for her to reach out to me yet no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Solomon and Solomon, P.C.
State: CT
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 disputed the validity  of two debts this agency is reporting on my credit reports. They sent me a copy of one alledged bill and not the other. The issue I have is that this bill is stating two addresses of one that I did not live at so in fact it is not valid. That address is n't on my report and I do take my credit very serious and hate to be denied due to false information. It 's not reporting any payments, when the last payment was, or anything that is verifiable or valid. It does n't report any data but is sitting on my   reports. I have no outstanding bills from the address they claim this debt is from. All I asked is for this company to remove from my files.

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 2017-04-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Balance transfer fee

Complaint:
There were two balance transfer transactions on my account on  XXXX / XXXX /  XXXX   that I did not request. The amounts are {$4200.00}, and {$1000.00}. There balance transfer fee is {$150.00}.

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 2021-12-14
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This loan started at XXXX XXXX  and was sold to XXXX XXXX XXXX and then to Mr. Cooper. I have been trying to get a loan modification from Mr. Cooper for several years now after suffering a brain injury in XXXX of 2014 car accident. I have fully recovered from the accident and my income has stabilized ( although reduced due to XXXX ). Since this loan is not XXXX XXXX or XXXX XXXX loan, the investor has been unable to offer a loan modification that would lower my payment and defer a portion of the loan balance. I really want to keep my home and would like a fresh start to resume payments. 

There is also another issue of insurance claims that were processed through the lenders but the insurance money was never returned to me. I had to complete the insurance repairs with my own money instead of with insurance money which hurt my situation even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: STEWARD FINANCIAL SERVICES LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was granted a change of due date from the  XXXX  of the month to the  XXXX . Paid the regular  XXXX  payment and set up for auto withdraw for  XXXX   XXXX .  XXXX   XXXX   XXXX  withdrew  XXXX  payment in   XXXX   and I did not authorize  XXXX  car payments in the same month. I called on   XXXX   and was told that there is nothing they can do.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-19
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved out of an apartment complex  (   XXXX   XXXX , originally  XXXX   XXXX . when I moved in ) and was charged for rent and fees that I did not owe. I spoke with the apartment  manager an d gave the appropriate notice via the lease that I would be moving out. I was told everything was in good standing by the apartment  manager. A pparently, this person did not work for the complex when I tried to reach out upon my discovery that charges had been placed on my account. I understand the apartment complex had been bought by  XXXX   XXXX  during my lease and possible confusion occurred, as well did staff changes. I do not owe this money or the added fees. I received no notices forwarded to my new address. I only discovered this debt via my credit report that this had been filed when seeking a rental property  XXXX    XXXX  . I subsequently filed disputes with agencies. This was immediately removed from  XXXX  and is also not on my  XXXX  report. I have filed multiple disputes with  XXXX , only to receive a response that the dispute was settled ( no further explanation ). These charges by  NCC Business Services  has remained on my  XXXX  credit report.

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 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed the referenced accounts above on  XXXX / XXXX /  XXXX  . The credit alert received on  XXXX / XXXX /  XXXX   showed the item was removed from my credit file between the date of  XXXX   XXXX  -  XXXX   XXXX . On  XXXX / XXXX /  XXXX  , I received a credit alert from  XXXX  showing the item was re-inserted. As of  XXXX / XXXX /  XXXX  , TransUnion is reporting the item as reinserted on my credit report on credit file.   Also still as of today, TransUnion will not release my credit reports. In the past, I was required to purchase the TransUnion Monitoring to view my score but prevent online, over the phone and/or by mail to receive any hard copy of my credit report.   Therefore, I need your assistance in having TransUnion remove the negative item due to violation of the FCRA as well as start allowing me to retrieve my credit reports.

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 2019-12-20
Company: TCF NATIONAL BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking account in XXXX where I grew up. I didn't even remember it existed. I now live in Florida. 16 months ago I started getting monthly statements. Every month they take {$3.00}. When I called to close the account and have the funds sent to me, they won't let me. They said if I come in I can close account and get ending balance. Because I live in Florida I need a notarized letter stating that I want the account closed. That's fine. BUT. in order to actually close out the account and have the funds sent I need to go in and make a deposit of at least XXXX XXXX to  reactivate the account so it can then be closed and the check sent.I asked can I mail a money order? A check? Wire transfer from another bank? No. No. And no. Can I send someone else to make a deposit? NO. 
BUT I LIVE IN FLORIDA NOW. They told me next time I'm visiting to stop in. 

This account in over 20 years old and I have no idea how much money in fees they have taken I want TCF bank to close my account, refund the 12 months of " monthly fees '' and send me a check to my address in Florida ( where they send my monthly statement minus their fees )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
RECEIVABLES PERFORMANCE Address :  XXXX   XXXX   XXXX   XXXX   XXXX , WA has put a collection on my credit report. They call me from  XXXX  several times a day, but when I answer they do n't say anything or keep on transferring me to different agents without answering any questions. They ask to confirm my name and address stating that its being recorded. I was not comfortable giving it out and when i asked them what it was about  one  of the agents told me the las t 4  of my SS and my address. EVEN THOUGH I did n't confirm my name and address. It must me in their recording the lady said " this is your social security and this is the address so why are n't you confirming that you are such and such person. I am really baffled by their approach and interaction with our highly sensitive and personal information. They say I owe them {$140.00} from a  XXXX   XXXX  account which was opened on  XXXX   XXXX    XXXX  , which I do n't have any knowledge of. I did n't open a  XXXX   XXXX  account and do not know where they got my information from.

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 2019-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I have been disputing this account since XXXX of XXXX. Capital One has given credit to the Identity theft charges, but not to the fraud charges. 


I strongly disagree with your outcome. None of these charges are mine and if Cap One had cancelled the card back in XXXX when I requested then none of this would have taken place. I hold Cap One partly responsible. 


In XX/XX/XXXX I was told by XXXX, ID No. XXXX, that there was a record of my calling in XX/XX/XXXX cancelling the card and taking my ex off as an authorized user. She also told me there was definitely fraud on this account. 

Then in XX/XX/XXXX that record of the original call in XXXX could not be found. And Cap One could no longer find any fraud. 

I request all documents proving that I owe this money as my ex was not an authorized user on this account as of XX/XX/XXXX and if he signed for any charges thats fraud. 

Capital One is claiming there was no fraud as they have erased or denied the original call I made in XXXX. They are not presently denying I called again in XX/XX/XXXX as it was proved to be identity theft by my ex. 

I am not responsible for the balance of {$4900.00} as these charges were made by my ex who was not authorized. 

Cap One has not provided proof that I made these charges. 

I need help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I sent a XXXX to XXXX challenging a collection account from XXXX that did not belong to me. It was then deleted from my credit report. XX/XX/2021 I noticed the collection came back with a different name. The name is XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In  XXXX  of   XXXX   I received a letter from the Georgia Department  of Revenue  releasing that lien and they stated that they never report anything to any credit reporting agency. I recently observed that Experian is and has been reporting third party information as being valid on my credit file.   I have requested of Experian to Please validate this information with  XXXX   XXXX   XXXX   Court and pro vide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.   The information is not valid that is being reported on my Experian  Credit File.

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 2017-04-20
Company: Receivables Performance Management, LLC
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 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against RECEIVABLE PERFORMANCE MGMT for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX resort timeshare reported wrong debt amount owed after a breach of contract. Reported doubled the amount owed on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Got a robo call this morning ( XXXX @ XXXX ) " claiming '' to be from Bank of America . As soon as I realized that it was a robo sales call I immediately hung up without listening to the message. I tried to call back ( in coming number : XXXX ) to see if there was a chance that it may be a legitimate call, but it was busy. Evidently a dedicated robo call line.

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 2018-03-07
Company: PlusFour, Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
PLUSFOUR INC is the creditor has been on our credit report for a debt owed of {$860.00}. We have included PLUSFOUR INC. in our Chapter XXXX filing bankruptcy. It is still showing on our credit report as active. It needs to be taken off because it is included in our bankruptcy. The original creditor was XXXX XXXX.

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 2017-04-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Abo ut 8  or 0 years, I opened a  Wells Fargo s avings account for my minor niece when she was born. At the time that I opened the account, I was told that there would be no monthly service charge for the account until my niece turned  XXXX . Starting in  XXXX ,  Wells Fargo st arted charging monthly service fees on that account ( even though my niece was still a  XXXX  ). In  XXXX   XXXX , I called to ask them to close the account. The representative told me that she would refund the late fees and close the account. That did not happen. I called again today to request that they refund the late fees and close the account. They closed the account but told me that they were not able to refund the fees, because I had to go to a branch to have them refund the fees. It seems unnecessary for me to actually waste time on the phone with them to only be told to go to the branch.  Wells Fargo p urposefully set up a system to make it as difficult as possible for consumers to get a refund with the intent that consumers will not jump through all the hoops a nd Wells Fargo  will benefit by keeping all of the fees that wrongfully assessed.

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 2017-04-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My mother sold her home in  XXXX   XXXX . The home was located in  XXXX  NY,  XXXX . My mother owned the home free and clear of any debt at the time of the sale. During the title search it was found that there was line of credit for {$28000.00} taken out against the home in  XXXX . The line of credit was paid off sometime on the late  XXXX  's. My mother can not find a copy of a release letter, or statement indicating the line of credit was paid off. Due to outstanding line of credit on the title search, {$30000.00} was held in escrow ( by the attorney ) pending receipt of a lien release letter. The line of credit was initially taken out with  XXXX   XXXX   XXXX , which was ultimately acquired by HSBC Bank. I have tried numerous times contacting HSBC regarding this issue. I would estimate I have called th em 20-30 times  and emailed/mailed/faxed at least 10 times. I have also had an attorney call them several times and send at  least 2 or 3 letters . I do have extensive documentation and timelines that I can provide.

Company response to consumer: Closed with explanation