BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: Genesis FS Card Services, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX, of 2021 I spoke with a representative and negotiated a settlement to close the card. The representative set-up payments on XX/XX/, 2021 in the amount of {$110.00}, XXXX XXXX, 2021 in the amount of {$110.00} & a final payment of {$110.00} on XX/XX/XXXX. Each payment was made timely. 
In XXXX, I started receiving collection calls from Milestone stating my account was past due and they needed a payment. 
I spoke with a representative late XXXX, 2021 who looked into the " history '' and said the initial representative did not " complete the settlement paperwork ''. 
The representative said they would need to " contact a different department to investigate '' someone was suppose to call me back in XXXX hour to discuss. No one called. But, I continued receiving collection calls. 
I have since called XXXX different times, XX/XX/XXXX & XX/XX/XXXX and I'm being told the same story of a XXXX hour wait. 
On the XXXX, I spoke with XXXX at ( XXXX ) XXXX Who " could not provide me a time of resolution ''. She then put me on the phone with a supervisor named XXXX who said nothing could be done & again, I had to wait another XXXX  hours. 
This is extremely frustrating and my credit report is taking a negative hit. 
I would like resolution to this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Lendmart, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
date of loan XX/XX/XXXX amount of vehicle XXXX they took it to court on the XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-07-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX about EQUIFAX, INC.. XX/XX/2018 Filing a dispute had no not change nor been fix from Equifax I still cant login to do another dispute I sent documents after documents notary fax ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have complained about this membership fee for a couple of years now, and it was my understanding that this membership fee does not apply to me anymore because I have been a card holder with Capital One since the year 2000. I have reported this issue to the CFPB ever so often, and Capital One claims to waive the fee but continues to constantly add it back without any warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Received notice that I got a collection from RPM for a XXXX XXXX account I had that I paid in full when I closed. I had a balance of {$290.00} for my last month of usage and for unreturned equipment. When I received the bill I paid in full and got a confirmation number # XXXX for the amount {$290.00}. then last week I saw a collection for the same amount from RPM. I immediately called RPM and informed them that I had already taken care of the balance, looked through my bank statement and they said that if I provided the confirmation number of when I paid it they would remove the collection. I called and spoke to XXXX and he declined said that XXXX XXXX had to remove the collection, I called XXXX XXXX and made sure that I had no balance with them verified the confirmation number and RPM still declined in removing the collection. I explained to them that this was an account that should of never been in collections and they said they are unable to do anything. I have no negative information on my credit report and this is the first negative account that appeared due to an error. 
Account # XXXX, payment Confirmation # XXXX {$290.00}

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 explanation
Consumer complaint received 2018-01-25
Company: National Enterprise Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated phone calls from several numbers claiming to be from National Enterprise Systems. I have no debts with anyone - I have not received any written notification about any debts owed. I have tried calling back and get automated voice messages and can not resolve any matters. 

I have blocked at least 3 different numbers from this company and they continue to call.

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 2020-02-21
Company: Synergetic Communication Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in the mail, addressed to XXXX XXXX account number XXXX From Syergetic Communication , Inc. It said I owe - - {$3700.00} but that we could " settle '' by XX/XX/XXXX for {$920.00} We do not owe that to XXXX XXXX it has been paid long ago. Called XXXX XXXX to make sure we were good and they said we were fine Debt was paid long ago. They did a search under mine and my husband 's socials and there weren't any other current accounts for us. They stated they would send SYNCM a letter. Checked credit report- everything was fine. The address we are supposed to mail the payment to isXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ID XXXX. I looked up this company and the reviews show them doing this to many other people as well. I Won't contact them as I don't want to give them any of our info and I saw from the letter that contacting them is pointless. We don't have any debt at all and sending a threatening letter to us is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a XXXX XXXX of XXXX XXXX. My now X-Husband who 2 years ago XXXX  me very bad and I had to be reloacted by XXXX XXXX XXXX. Around XX/XX/2017 I contacted Capital One Auto to pay my car note thru the phone system and I was asked to identify what account I wanted to place a payment for. I have only and always had 1 account with Capital One and it was not a credit card it was auto. I contacted Capital one numerous times but I never get anywhere but transfered from one department to the next. I sent a IDenty Theift Letter 2 months ago and they never responded. I proved that this was not my account and that my X-Husband was the person pretending to be me and I had a email from my X-Jusband that he was going to have me so far in debt and ruin my credit my name that i would have no choice but to come back and take his XXXX. 
its hard enough to find the strenth to walk away from a XXXX   relationsip to leave your home with nothing but the clothes on your back and still be XXXX not listen to because he had access to my personal information. Capital One Credit Card Company even mislead me a the end of last year when I was behind on my car note I was contacted made a p [ ayment arrgangment for the amount I was behind on on my car note but this was not my car note this was the fraudlent Capital One Credit Card ... Well I paid XXXX to what I thought was my auto loan payment but it was the credit card company and I became even more behind on my car note becasue the money went to a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2014 my wife and I were mugged. We were leaving the mall and a guy ran up behind us and told us to hand over all of our bags. He took my wallet, my wife 's purse, and all the shopping bags we had in our hands. We filed a police report with the mall security but because it was so long ago we can not obtain a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear Sir or Madam, My name is XXXX XXXX XXXX from XXXX, owner of XXXX XXXX XXXX XXXX a travel agency holding a membership account with Transferwise. 
Were informed about XXXX XXXX is apparently one of the Transferwise partner banks and we are contacting you for help since Transferwise staff say that the matter is beyond their control and its to be handled by their partner bank. 
On XX/XX/1919, we initiated a XXXX USD wire from our Transferwise account going out to XXXX XXXX XXXX as payment for gorilla tracking tickets for our clients. The wire was meant to take just a few hours to reach the recipients account but didnt. 
On Tuesday XX/XX/1919 afternoon, we received an emails from XXXX saying ; Hi XXXX, Im getting in touch regarding your recent transfer no. XXXX with TransferWise in the amount of XXXX USD. 
Due to our regulatory obligations as a financial institution, we sometimes require to conduct due diligence. Which means- were occasionally required to ask for additional information from our customers. 
Therefore, please reply back to this email and provide us with the following : What is the purpose of this payment? 
Please advise what XXXX in payment reference field is referring to? If it is an individual, please provide us his full name and date of birth. 
Is there any direct or indirect involvement of any prohibition countries ( XXXX XXXX, XXXX, XXXX, XXXX, and XXXX ) in this payment/transaction? 
Please note that should we not hear back from you, we will not be able to proceed with this transfer, nor will we be able to process any future transfers for you. 
Best regards, XXXX We sent all the required information ( in attachments here ) and followed up with several emails but there has been absolutely no response neither have they remitted the funds to the intended recipients account. 
And just to help you understand our company better, were a safari agency and the funds we transfer are actually not ours but were sending them out on behalf of our customers who even have no idea about Transferwise. The funds are meant for gorilla passes for our customers, some of whom are already in the country but cant see the gorillas because funds to purchase gorilla tickets are being held in Transferwise partner bank which do even understand the urgency of the transfer and the frustration this causes to customers and our agency as TW customers. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2014 my wife and I were mugged. We were leaving the mall and a guy ran up behind us and told us to hand over all of our bags. He took my wallet, my wife 's purse, and all the shopping bags we had in our hands. We filed a police report with the mall security but because it was so long ago we can not obtain a copy.

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 2019-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2014 my wife and I were mugged. We were leaving the mall and a guy ran up behind us and told us to hand over all of our bags. He took my wallet, my wife 's purse, and all the shopping bags we had in our hands. We filed a police report with the mall security but because it was so long ago we can not obtain a copy.

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 2018-01-27
Company: ECMC GROUP, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I went into the emergency room at XXXX XXXX XXXX XXXX to be seen for stomach pain. The wait was very long so I left without ever being admitted. I ended up going to another emergency room ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I received an alert from XXXX XXXX stating that a new negative account had been added to my credit files ( XXXX and XXXX XXXX ). To my surprise I had lost 42 points due to a collection being added from a creditor by the name of XXXX XXXX XXXX XXXX XXXX. I researched the company and called to see why they had added this to my file. They told me that XXXX XXXX XXXX had submitted a bill for {$270.00} stating that I failed to pay. I have never received a bill or a call from XXXX XXXX XXXX or from XXXX XXXX. I asked the women to verify what contact information they had on file. She preceded to verify an old address of mine and a phone number that has never been mine. I asked what correspondence had gone out to me to alert me of this debt and she failed to answer the question. She kept telling me to call XXXX XXXX XXXX. I never received service from XXXX XXXX XXXX and I was never admitted despite the bill I requested and received ( XX/XX/XXXX ) stating I was discharged at XXXX XXXX. I arrived at XXXX XXXX XXXX XXXX which is 14.2 miles away at XXXX XXXX. This is fraud. XXXX XXXX XXXX preceded to charge my XXXX XXXX for room in board and service that was never rendered. They have damaged my credit and committed insurance fraud. I never received any notice of the debt and was not given a chance to dispute it or anything. FRAUD.

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 2018-01-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a massive issue with my new servicer SPECIALIZED LOAN SERVICING, LLC They are a big scam who are trying to foreclosure on my home illegally with fraudulent practices and intent. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/XXXX. 
I recently had my loan transferred over from XXXX XXXX who Ive been working with to achieve a loan modification. On XX/XX/XXXX XXXX XXXX representative advised us that our loan modification packet was deemed completed and it was sent to underwriters for review and could take up to 30-days for the review. Next thing I know I receive a letter from SPECIALIZED LOAN SERVICING, LLC saying that they are the new loan servicer while I was still in the loan modification review and with no response from XXXX XXXX regarding the review. SPECIALIZED LOAN SERVICING, LLC said that they sent out their welcome letter on XX/XX/XXXX. Once I received the welcome letter I quickly put together a request for mortgage assistance forms and all necessary documentation to have a complete packet and mailed it out on XX/XX/XXXX. SPECIALIZED LOAN SERVICING, LLC said they have received all my documents on XX/XX/XXXX. A representative at SPECIALIZED LOAN SERVICING, LLC advised us that they will not review the request for mortgage assistance due to the sale date being too close and that they would of needed 45-days prior to the sale date to be reviewed. 45-DAYS FROM XX/XX/XXXX IS XX/XX/XXXX. I was not even aware that my loan was transferred 45-days from the sale let alone given any time what so ever to have a chance to be reviewed for a loan modification. SPECIALIZED LOAN SERVICING, LLC does not care about me or my willingness to work with them and achieve a loan modification, pay my mortgage and live a quiet life for once in a very long time. SPECIALIZED LOAN SERVICING, LLC are not willing to work with us at all, they are scamming me of my chance for a loan modification. All SPECIALIZED LOAN SERVICING, LLC want to do is sell my home. I feel like XXXX XXXX and SPECIALIZED LOAN SERVICING, LLC strategically transferred the loan so that the time frame would put us in a 45-day before sale bracket and not allow us even a shot at a review. This was done to just sell my home away. 
On XX/XX/XXXX I was in review with XXXX XXXX. 
On XX/XX/XXXX I received a welcome letter from SPECIALIZED LOAN SERVICING, LLC. 
On XX/XX/XXXX I mailed out my loan modification request for mortgage assistance packet. 
On XX/XX/XXXX SPECIALIZED LOAN SERVICING, LLC received my loan modification request for mortgage assistance packet. 
On XX/XX/XXXX is my foreclosure sale date. 

If SPECIALIZED LOAN SERVICING, LLC continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.

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 2017-10-05
Company: ACS Education Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a XXXX XXXX loan with ACS Education. I have made all my payments online and on time, always on the 1st of the month, for almost 8 years now. This month, when attempting to pay my monthly bill, I have not been able to access my account. Each time I sign-in with what I have verified multiple times as the correct login information, I 'm told the service is temporarily unavailable. I have sent multiple emails to customer service both through the website and directly from my personal email account detailing the problem and attaching screenshots showing the issue. I have also attempted to contact customer service via phone, but the system will not let you talk to anyone until it recognizes your SSN and DOB. Despite repeatedly entering these accurately, the system claimed it did not recognize either so I 'm unable to reach anyone to resolve the issue. Further complicating this is that I do not have an account number to include on a check to mail to ensure my payment is processed correctly because ACS uses my SSN as an account number - and I think it is really dangerous to include this on a check.

I have received no response or from ACS, only acknowledgments that my email has been received and that I will receive a response in 48 hours. This has not happened, and I have been having the same problem for four days now, putting me in danger of submitting a late payment! This is clearly a way for ACS to force late fees or other issuers on its borrowers, with little or no borrower ability to contest! Please contact someone at ACS to make sure they know this is happening and ensure that borrowers are not being unfairly penalized for the servicer 's incompetence. A quick XXXX  search on the web will show you that ACS has in the past caused similar problems for other borrowers and this is really hurtful - particularly for those of us who do everything we can to make our payments responsibly. I thank you for your time and please feel free to contact me directly if you would like further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am not past due on my account and the bank ALLY Bank called my neighbors looking for me. When they had a good phone number to call me. I tried to file a complaint and was transferred from XXXX to the US and back from rep to rep and was denied a Mgr. It took over an hour to get to the operation XXXX Division Mgr XXXX, XXXX XXXX XXXX who could not resolve the situation. 

I am worried that they will continue to act unprofessionally and continue to call my neighbors

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 2019-07-06
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
This company has denied me a loan when I have a 700+ credit score, 0 % debt to income ratio and a {$10000.00} monthly income. I have paid multiple car loans and dont have any missed payments on my credit report. This company gives loans to clients who make less money, have more debt with a lower score. I feel as if I have been discriminated against because of my age and color. They dont want a XXXX year old XXXX man buying a brand new 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 2019-07-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
This company has denied me a loan when I have a 700+ credit score, 0 % debt to income ratio and a {$10000.00} monthly income. I have paid multiple car loans and dont have any missed payments on my credit report. This company gives loans to clients who make less money, have more debt with a lower score. I feel as if I have been discriminated against because of my age and color. They dont want a XXXX year old XXXX man buying a brand new corvette.

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