BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-22
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm not sure what all is going on but my identity has been compromised. I have already gone to the bureaus and others to resolve this. This is not my debt. Sorry for the inconvenience. You guys are stating that I opened an account in XXXX of 2019 ... Please mail me all the original documents showing I received services from you since XXXX of 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On XX/XX/XXXX I used a non Regions ATM 3 times to withdraw money, but then I tried to take out an amount I believed to be in the account and it was declined several times and, despite the transactions not being approved, Regions Bank still charged me for them.

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 2020-04-30
Company: I.C. System, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called IC Systems collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my XXXX  report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : **An explanation of what this alleged account balance is for ; **A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; **Documentation showing I agreed to pay this debt ; **The agreement that grants IC Systems authority to collect on this alleged debt and a copy of their state license, including license number. 

Ms. XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my report. 

Today XX/XX/2020 IC Systems decides to report the same collection information on my XXXX  report under : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN - In which this address information is the same exact address listed for IC Systems. I have provided documentation showing IC Systems being deleted from my XXXX  report as they could not validate this fraudulent debt ; proof showing this XXXX XXXXXXXX XXXX belongs to IC Systems and documentation showing them adding the same exact collect on my XXXX  report under " 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 2019-06-22
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1. There is a late payment showing for XX/XX/XXXX, I was in forbearance. 2. XXXX representative provided incorrect email address repeated it twice, forms were sent to that address. XX/XX/XXXX, another representative called and provided correct email address and conflicting information causing forms to have to be re-sent and updated. 3. I was struggling with payment amount in XXXX, told that I was 75 days late And that they did not report late payments until 90 days, misled about them wanting to prevent negative reporting to the credit bureaus and that I would be placed into natural disaster forebearance as I live in wildfire territory. This forebearance was supposed to cover XXXX XXXX XXXX. They in return reported the late payments and later acknowledged that I was in natural disaster forebearance until XX/XX/XXXX. There is email proof and representative XXXX and supervisor XXXX on XX/XX/XXXX and nd representative XXXX and supervisor XXXX on XX/XX/XXXX. 4. There is a late payment listed for XX/XX/XXXX, at which time I was also in a natural distaster forebearance, as supported by email and acknowledgment by representative XXXX in conversation on XX/XX/XXXX and representative XXXX and supervisor XXXX on XX/XX/XXXX. 5. They are reporting to XXXX that I pay XXXX per month which is negatively impacting my debt to income ratio. 6. I have been struggling with repayment and was never notified about any forgiveness programs until XXXX, at which time i would been more than eligible for the public service forgiveness program as I have been work g in XXXX XXXX for 8 years. 7. They never offered to consolidate loans until XXXX. 8. They sent me a letter on XX/XX/XXXX starting that they didnt have to investigate my dispute and that no updates were made to the accounts yet they did, as they changed the date that loans were first reported from XX/XX/XXXX to XX/XX/XXXX. They did this with ill intent, to purposely negatively impact my credit score, and to stop me from disputing the accounts. I have 8 accounts, so 56 late payments although the loans are now consolidated, are killing my score. 9. When logging into my account on XX/XX/XXXX, my balance shows XXXX, yet they are reporting 120,000 plus to all credit bureaus which is having a negative impact as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It appears XXXX XXXX left the mortgage business in XX/XX/XXXX. Our mortgage was transferred to Shell Point/New Penn/NewRez- the company has changed names three times since XX/XX/XXXX. For the sake of this communication we will call the company by current name, NewRez. 

We had been processing our loan payment monthly but beginning XX/XX/XXXX began sending money weekly on Fridays. NewRez incorrectly processed the hazard/home insurance payment in XXXX XXXX in the amount of {$7300.00} instead of {$3600.00}, NewRez ignored the home portion and paid the full insurance bill that included our auto policy. NewRez re-calculate the Escrow for XXXX based on this incorrect amount and increased the monthly payment due by from {$2700.00} to {$3500.00}. It took from XXXX through XXXX to work through this incorrect payment and what happened. It was myself and the insurance company ( XXXX ) that proved to NewRex the error. 

The monthly loan amount due was finally corrected once NewRez updated the Escrow, we still have not received the XXXX Escrow Analysis. We began sending weekly payments on XX/XX/XXXX in the amount of {$690.00}. As of XX/XX/XXXX, NewRez has received 38 weekly payments totaling {$26000.00}. See attach documentation of these payments from XXXX XXXX. The monthly payments from XXXX was {$2700.00} and from XXXX should be {$2800.00}. Our account should reflect we have {$1000.00} towards XXXX payment. NewRez needs to accurately reflect the monthly payments and the account will be updated. We also should ha

ve zero late payments. We have looked to other mortgage companies but we will have t
o pay the fees to move companies. We don't want to be with NewRez. There is no brick and mortar or person to speak to. We've been bombard with stupid letters that state NewRez has received our correspondence but nothing. After sending two more forms of communication to NewRez, we researched to see where we could file a complaint. We have excellent credit ( XXXX & XXXX ) and to continue to see late payments or receive collection calls is humiliating. We wish XXXX XXXX would've allowed us to choose the mortgage company and now would request NewRez pay the fees for us to move our loan elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Below is the main body of the letter that I sent to American Express ( regarding the account ending XXXX ) on XX/XX/XXXX ; I have received no response from AMEX and have subsequently been hit with {$28.00} late fee. 

On XX/XX/XXXX I ordered 2 tickets for my wife & I on XXXX XXXX flying from XXXX to XXXX on Monday XX/XX/XXXX at a cost {$410.00}. I used our AMEX points to pay for those tickets. 

On the same date, AMEX travel charged an additional 168 tickets on the exact same flight at the exact same rate ( {$410.00} ), then simultaneously credited my account for 141 tickets at the same price ( {$410.00} ) such that I suddenly had a net charge of {$11000.00} for 27 tickets I did not order, tickets that were never issued, and tickets that were never used. 

After multiple phone calls, and two letters the following transactions/events occurred in my account : - On XX/XX/XXXX my account was credited with an airline refund of {$330.00} for ten ( 10 ) of the twenty-seven ( 27 ) tickets ; those credits were {$75.00} less than the charge associated with each of the tickets, for a total shortfall of {$750.00} for those XXXX tickets. 
- On XX/XX/XXXX my account received a {$750.00} credit from the AMEX travel agency ; I would assume that was meant to cover {$75.00} per ticket credit short fall from the airline. 
- On XX/XX/XXXX my account was credited with additional airline refunds of {$330.00} for the other XXXX ( 17 ) tickets ; those credits were also {$75.00} less than the charge associated with each of the XXXX tickets, for a total shortfall ( charge to the account ) of {$1200.00}. 
- There was no subsequent AMEX Travel Agency credit to offset the shortfall associated with the 17 credits. 
- In XXXX, after sending my first letter XXXX dated XX/XX/XXXX ) AMEXs Fraud Department issued me credits for the 27 tickets that I never bought at the {$410.00} price that aggregated to a total credit of {$11000.00} ; those credits along with the just mentioned shortfall of {$1200.00} resulted in my account showing ( incredulously ) a credit balance of {$9900.00}. 
- My second letter, explaining that there should be no credit balance, dated XX/XX/XXXX, resulting in the Fraud Department reversing all 27 credits for a net charge of {$11000.00}. 
- The net result of all these adjustments/transactions is that my account is showing a balance due of {$1200.00} XXXX which equals the shortfall associated with the 17 tickets that received the {$330.00} credits on XX/XX/XXXX ). 

That balance is wrong ; it is associated with tickets I never ordered or bought. The balance on my account should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: AMERICAN HONDA FINANCE CORP
State: CA
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:
So back in XXXX we leased Honda from American Honda, all payments terms of 36 months were paid on time. However when we returned the car no one told us that there is return fee. No mail, no phone calls, then I noticed 30 day delinquent in my credit report. When I called them to ask why is this, they hanged up the phone and told me this is not our problem and you shouldve known Since then XXXX cant fix this 30 day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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 submitted a purchase dispute to my credit card company regarding a purchase of eyeglasses and contacts and they have sided with the provider. After speaking with a billing inquiry specialist on this date, I was told that once the glasses were made with my prescription, the sale is final. I am still to this date without glasses and contacts. The provider admitted that the glasses did not pass inspection and had to be redone XX/XX/XXXX. In XXXX they had to have the glasses remade with different frames, and the glasses still had what looked to be a calculus equation visible in the lenses and the legs of the glasses were completely wobbly. The provider claims the contacts were delivered on XX/XX/XXXX, but would not provide me with a PO number to file a claim. My concern is the credit card company is holding me responsible for a bill and I do not have the product. The billing inquiry specialist stated their policy, which could not be found online in the company 's FAQ 's, in fact it said nothing about conditions of the product in regards to returns. I have made contact with Synchrony on numerous dates which they have conveniently deleted from the portal, but I have confirmation emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After attempting to call them on this date, their CSR put me on hold came back and acted like he could not hear me and held the phone. They have sent letters to further the dispute, and I reply giving them the documentation requested, leave voice messages for who they directed them to go to, and they still have yet to respond.

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 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX. I contacted Transunion Credit Company about an on going issue with an Collection on my Credit report that is 7 Years Old reported by XXXX XXXX XXXX XXXX. In the Amount of {$490.00} Dollars. I tried to call XXXX XXXX for Validity of the Collection account and to obtain more knowledge and Resolve the Issue but they keep giving me the run around. I called the Original Creditor XXXX XXXX gave them the account number and the Last Reporting Date of the Account which was in XXXX again 7 years ago. XXXX XXXX Stated they had no knowledge of the account. Again I reached out to Transunion for Help they keep telling me to Dispute the Account. Every time I dispute the Account it comes back Verified. I asked the Transunion Rep. How can an Account come back Verified that does not belong to me. Especially an Account that is 7 years Old. I also asked the Transunion Rep, What did XXXX XXXX Send to prove verification or did they have an contractual agreement with signatures so we can compare signatures and come to resolution together. Transunion is giving me the run around as well and will not properly investigate the matter. I contacted the local authorities in my town. They Sent a XXXX County Deputy to my home. He viewed the information on my credit report. Filled the proper police report on my behalf and issued me an Police Report Number. 
I am a Tax Paying, Law Abiding hard working citizen of the U.S I can't believe that TRANSUNION will Prey on Consumers like myself. I made an report with the FTC and the 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 2020-04-30
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2020 I checked my balance and transactions. My available balance was approximately XXXX, I purchased a part at XXXX for {$100.00} at XXXX XXXX on XX/XX/2020. On XX/XX/2020 I checked my account and there was a charge from XXXX for {$6.00} that had been purchased on XX/XX/2020. The XXXX purchased was moved to XX/XX/XXXX and an over draft of XXXX was charged on XX/XX/XXXX. I contacted the bank and XXXX said he would bring it to his manager. Then on XX/XX/2020 Ichecked my account and there was another overdraft charged. I called the bank and spoke to XXXX ( who identified herself as branch manager ) she apologized for not returning my call in timely manner. I attempted to explain to her what was wrong and she said she could not refund the charges and I need to understand how bank accounts work. She tried to tell me that the XXXX charge caused an overdraft before the XXXX charge came in. At that time I had XXXX something in the account ( so no overdraft ) but I was charged one. The next day because they moved the purchase to the next day they charged me another XXXX overdraft. 
I can do math and there is absolutely no way there was 2 overdrafts!

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 2018-01-13
Company: OCMBC, Inc
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a solicitation for a VA loan that looked like a bill, marked " Final Notice. '' First, I 'm not a veteran and not elligible for a VA loan, nor do I have a VA loan, yet this was on the letter : " As a VA loan holder, the XXXX XXXX XXXX XXXX XXXX XXXX allows you to combine your mortrgage and other debt PLUS get an additional {$32000.00} cash in hand for a new principal and interest payment of {$150.00} per month. 

We 've done our homework. You already have what it takes to qualify. '' etc etc ... 

This came from XXXX XXXX OCMBC , Inc. Licensed in CA XXXX, CA Mortgage Lender XXXX and NMLS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My USAA Visa card last month stated that I did not owe a minimum payment, " {$0.00} '' even though I had a balance of {$940.00} owed for insurance payments to USAA. So thinking the payments were not due, I didn't pay anything. Then this month the bill still says no minimum payment due, but I found I was charged interest of {$7.00} because I didn't pay the balance owed last month. Nowhere does the bill state interest will be charged if the balance is not paid, even though the bill says no payment is due.

In addition USAA used to bill the insurance balance in four monthly payments on the credit card, without interest charged. Apparently that has stopped though I was not notified. An insurance person said it's still happening, but the bill and the credit card people say that program ended.

USAA needs to get its act together, and tell its customers when interest will be charged, etc. I've been a member since the 1960s.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XXXX of 2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted XXXX University closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that CONSERVE NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX kohls charge card not mine says owe XXXX. I didnt open this I disputed this and then it was charged off but still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was sending money over to a friend, but they sent me the wrong PayPal link. Ive been trying to contact the person for a refund, but they arent answering. PayPal says they cant do anything. I sent {$63.00} USD. Date : XXXX XXXX EDT

Company response to consumer: Closed with explanation