BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Security credit services reported a collection onto my credit XXXX of 2017 for something call tempo. I never received anything from them, but at the time did not know my rights to dispute, or request validation. A few months ago I filed a dispute and received what appears to be a print out of some form of contract from XXXX. First this does validate a debt. Its not the original contract with my signature. 

So over the past 3 months Ive called security credit services multiple times. Just trying to have a general conversation about the debt. Such as when the actual debt occurred because there hasnt been a sears around me for almost 4-5 years, so the 2017 date they have listed is nonsense. But once again I called to have a conversation about this alleged debt and I can not get anyone to answer during their normal business hours, or anyone to call me back from the messages I left. If your companies business model is to make money, why wouldnt you answer the phone? 

A quick search into their XXXX complaints shows this is a constant pattern with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, XXXX, I was looking to purchase a home. I found a home in my price range with the company XXXX. XXXX. The sales agent XXXX XXXX informed me that I had to put down {$2500.00} and since I was going XXXX that I would get my money back at closing. I gave XXXX XXXX the payment on XXXX at that time not one time did it say that my money " non refundable '' or I would not have given that amount of earnest money. On XXXX I met XXXX XXXX to go over the loan process. At that time I told her that I could n't afford an XXXX mortgage and that my earnest money was not to be part of the down payment she told me that she would get with XXXX XXXX about it. I told her that I would get with my realtor XXXX XXXX about the matter. In the coming weeks nothing was mentioned about the matter only about missing paperwork they needed to complete the loan application / process. My closing date was XXXX XXXX, on XXXX XXXX about an 2 hours before my final walk thru XXXX XXXX informed me that I was n't able to get the house but they have another house. XXXX XXXX I viewed the home and told XXXX XXXX that I would buy if the price was right and that I was not paying {$1800.00} that I could not afford that. He called XXXX XXXX from the house and she informed him she had room to work the numbers and it would not be XXXX. On XXXX XXXX I met with XXXX XXXX and again indicated that XXXX I could n't pay when she presented me with a payment of XXXX for a house {$23000.00} cheaper than the first house but my monthly payment would be XXXX in difference from the first house. I received emails for the next couple of weeks to send paperwork to complete the process but I did n't, due to my son becoming ill. I informed XXXX, XXXX, and XXXX that I was not going thru with the purchase due to the fact` that could n't afford the home. I was told that I had to submit a cancellation letter. After I presented the letter about a week later I was contacted by DHI Mortgage asking if I changed my mind on the house. I responded with no then was told " well your earnest money is non-refundable '' and told I have to sign a letter stating that. I have reached out to DHI Mortgage with no reply. since then they have sent me a bill {$420.00} for a appraisal on the second house that I never ask anyone to do, but I am told I must pay..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Navient ( Sallie Mae ) was presented with a cease and desist in XXXX that was illicitly processed by XXXX University ( XXXX ) in California in XX/XX/XXXX. I tried over several years to have the loan dismissed as XXXX processed the loan application as part of the initial application packet without my knowledge and failed to inform me that the loan had been processed. When I received the invoices from Sallie Mae it was too late to cancel the application with XXXX XXXX as they had a 7 day rule cancellation policy. After several years of trying to work with Sallie Mae and never attending a single class at Sallie Mae I sent a cease and desist to Sallie Mae stating that the loan was fraudently processed by XXXX and that I had never attended a single class. The cease and desist stated that unless Sallie Mae intended to take me to court over this matter to cease and desist all attempts to collect the debt. As of today, XX/XX/XXXX I received a phone call from a debt collector ( XXXX ) stating they were trying collect a debt for Navient, referencing the same XX/XX/XXXX debt mentioned above. I informed the company that called that a cease and desist was in place and that I didn't want to receive any further contact from them. They stated they would comply. This complaint is against Navient for their pursuit of this matter, and obvious disregard of the cease and desist request and the over 20 yrs of time that has elapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
When moving from XXXX to XXXX XXXX, XXXX XXXX XXXX did not follow a binding estimate and charged me an additional {$1200.00} after the truck was loaded. Because I felt in fear for my safety and the safety of my belongings ( the company had threatened to dump everything I owned out on the front lawn of my apartment complex or drive away with my things, never to be seen again ), I paid this extortion money with my Capital One credit card. 

I disputed the transaction with Capital One. XXXX XXXX XXXX provided the credit card authorization form I signed under duress and asked for the charge to be reapplied. I countered with multiple forms of documentation that what XXXX XXXX XXXX did was illegal, including where in the Code of Federal Regulations it says this. I also included a written statement from my mother that was there at the time I was extorted. Throughout my many calls and letters with Capital One, they routinely asked for a second opinion from another moving company showing that what they did was illegal. I uploaded more documentation on XX/XX/XXXX that stated I had contacted 10 different moving companies ( and provided their names and phone numbers ) and every single one said this was illegal and they wouldn't provide a second opinion letter. I filed a complaint with the New Jersey Attorney General 's Office of Consumer Affairs who forwarded my complaint to the Federal Motor Carrier Safety Administration who had jurisdiction and started investigating the extortion. 

Sometimes during my phone calls with Capital One, they said that they believed my case and that it was Visa that made the final decision. Each time I called Visa they said it was Capital One 's decision. Finally, on XX/XX/XXXX, a three-way call between Visa and Capital One had Capital One admit that it was them that made the final decision. Additionally, I was told that the reason they were closing my dispute case and reapplying the charge was because I had signed the credit card authorization form from XXXX XXXX XXXX agreeing to the additional charge. I countered that I did that only under extreme duress and that since what XXXX did was extortion, I should not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Netspend Corporation
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/2020 netspend had closed My bank account and will not give me my money that was refunded from merchants that was refuned back to my closed account during this 2020 pandemic. my social security and ssi check was going into this previous account and they closed my account on me without informing me that they done it and my checks went back to the us treasury.i was without aid for 30 days because they have closed my account and will not let me open a new account with netspend. netspend is not giving me any money that i was refunded from merchants at all. netspend will not transfer my refunds to my new bank account or to me in a check form.netspend account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XXXX claim # 1 claim date XX/XX/2020 claim # XXXX amount {$50.00} claim # 2 claim date XX/XX/2020 claim # XXXX amount {$50.00}. net spend phone number is XXXX XXXX XXXX XXXX.thank you so much i want them to tranfer my refunds to my new account XXXX XXXX  rt # XXXX acct # XXXX.the netspend account is closed and they are keeping my refunds during an national emergency.i dont owe them netspend no money at all..if i did owe them its their fault because netspend closed the account themselves.thanks

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 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi this is XXXX XXXX. I have XXXX in my capital one account. I called capital one on XX/XX/XXXX in the morning and the lady said that the department who restrict your account they do not want to talk to you. You can only leave the voice mail. It is been 3 weeks they restricted my account. They are holding me money for no reason. They are intentionally making me suffer. I live in XXXX and I even offered them that I can go to XXXX XXXX XXXX in CapitalOne branch personally they said no it is online account. The capital one can not assist u in the branch. First, they asked me to send them my ID which I did on XX/XX/XXXX but still they did not open my account. They did not leave any option for me to cooperate with them in this regard. Why I have to call capital one and need to beg for my money. I strongly believe that they are discriminating me and making me suffer by holding me money. Please assist me how I can I take to court?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Real Time Group, Inc.
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been paying the debt collector Real Time Resolutions regularly since XX/XX/XXXX. We had to sell our home on a short sale and Real Time Resolutions obtained the remainder of the debt. We have always been regular with our payments and never had a problem until XX/XX/XXXX when our check to Real Time Resolutions never cleared our account. The same happened for XX/XX/XXXX. Also, as of XX/XX/XXXX we stopped receiving any mail from Real Time Resolutions. We were also unable to log into our account on their website, receiving a message that it did not recognize the account. We called Real Time Resolutions and the representative we spoke with said he did not know what was wrong and he could not help us. We then received a letter from Real Time Resolutions dated XX/XX/XXXX stating that we owed them {$520.00} and to contact them immediately. This was the last piece of mail we received from Real Time Resolutions. Again, we were unable to log into our online account and the customer rep we spoke with was unable to help. Now Real Time Resolutions has been calling both my wife and I on our work phones during business hours and leaving messages to call them back. They have also reported delinquencies to both our credit histories and significantly weakened our credit scores. I am happy to resolve the issue with Real Time Resolutions, but I feel like the reported delinquencies are unfair since Real Time Resolutions has not been sending us notifications in the mail or allowed us to pay online or over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Media Collections, Inc
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just checked my credit files and notice that Joseph Mann & Creed, filed a false account on my credit files. I disputed this before with another company and now they sent it to Joseph Mann & Creed and now they are calling me and make false claims to collect this debt. This is not my account and does not belongs to me.

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 2019-05-17
Company: GCFS, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a signature loan from XXXX XXXX in the amount of {$2600.00} in XX/XX/XXXX after paying {$200.00} a month for 18 months my Bal. Due. was STILL {$2400.00} after several attempts to resolve this balance dispute with XXXX XXXX. I decided to seek legal assistance I never heard from XXXX XXXX again, in XX/XX/XXXX I sold a house, about 8 months later I was going through the paperwork from the sale of the house and noticed a payment made to Greater California financial services Inc. for the amount of {$4300.00}, when researching the payment I found out it was for the XXXX XXXX account, when I contacted Greater California Financial Services Inc. ( here-forth known as GCFS Inc. ) and ask them to provide documentation giving them authorization to collect this Debt. ( I.E. contracts of any kind ) the Representative of this company ( XXXX XXXX ) who I believe is the owner, became very belligerent with me, talked down to me and said to me that if I had payed my bill he wouldn't have had to collect such a payment and then informed me that I still owed another {$2000.00} for interest and court cost, while never providing any contracts. I just got a letter dated XX/XX/XXXX that states my balance due now is {$2500.00} ( interest & court cost ) on a Signature Loan from XX/XX/XXXXof {$2600.00} that was paid on for 18 months ( at {$200.00} a month ) and after this company STOLE {$4300.00} from me or should I say after XXXX XXXX STOLE {$4300.00} from me he now wants another {$2500.00} after 15 YEARS there is no way this can be legal. Please help me resolve this Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After reviewing a copy of my annual credit report, I have noticed that I have a few judgments placed in my file which is causing my credit to be less than mediocre. Both of these alleged debts have been dismissed and discharged from my pay which has caused tremendous financial hardship. Please have these debts removed off my credit for they have been harming my credit and it has prevented me from acquiring new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Trans Union did not verify the XXXX XXXX account # XXXX on my credit report, after I sent them four certified letters.

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 2018-12-11
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
this company DIVERSIFIED CONSULTANT keeps calling all day, & all night, and i told them they have wrong person, and they refuse to really identify themselves. I told them no sales please, & remove my number. een informed them im on donotcall list. this is beyond harassment. they need to be handled. they curse, they threaten me. bullys.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a car loan with Santander Consumer USA. I bought a 2017 XXXX XXXX XXXX from XXXX XXXX, XXXX, FL on XX/XX/2017. My payments are XXXX a month and in the 20 months I have been paying on my XXXX dollar loan I am down to XXXX dollars. I normally have around XXXX a month go to my principal. I always pay my loan early so I'm not late and not penalized. I made my XXXX payment which was due on XX/XX/XXXX on XX/XX/XXXX, my XXXX payment was paid on XX/XX/XXXX. Now it wasn't due until XX/XX/XXXX. I got my XXXX bill and I noticed that instead of XXXX going on my principal, only XXXX did and XXXX went to interest! I always pay my payment early so I could not understand why this happened. When I called Santander, I was told that because there was more than 30 days between my payments i was charged interest daily! So I was penalized with extra interest that i can't understand why. There are on average, 30 days in a month. Why have monthly payments if you are charged daily? I don't understand this. If anything I should save on interest for paying it early. So I asked for a payoff balance and it is more than i owe! How is that? My payoff balance is XXXX. I asked to speak to a supervisor and I was on hold forever and then the line was disconnected. This is unfair business practice. There are numerous complaints against this company and I just want what is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is reporting on my credit report and continuing to re age the account. I opened an account with them in XXXX and closed it either late XXXX or early XXXX. I don't recall having a balance after closing it. Now its reporting on my credit report as being opened in XXXX. This would be impossible since they went out of business in XXXX. They were took over in XXXX by XXXX XXXX which is the name they are reporting under on TransUnion. Then they were completely transformed into what is now XXXX XXXX XXXX XXXX in 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 2018-11-06
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened the Gold Delta American Express card with the intentions to get a {$200.00} credit on my purchase with Delta. 

I made my purchase with Delta and They will not issue the {$200.00} credit to my account.

This is clearly false advertisement from both Delta and American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Experian Information Solutions Inc.
State: TX
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:
inaccurate information, no knowledge of accounts, FTC violations

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 2020-07-17
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hard to deal with US Bank. Have multiple issues. First, in XX/XX/2019 US Bank was running promotion promising {$15.00} credit for {$75.00} but never received. Contacted the bank rep who admitted they had problems with the offer and promised a resolution would be mailed to me. In few weeks I got letter explaining {$10.00} and some change was the bonus ( it was supposed to be {$15.00}??? ) and I thought it was a credit from a promo running BEFORE XXXX. 

Now, have applied for a new card on XX/XX/XXXX. Still waiting for the card in the mail. Meanwhile getting bombarded with email and calls daily asking to activate the card ... which I did not receive and when calling customer service they just revolving around " what your credit card # '' question. How would I know if I did not receive it? You should ask yourself why instead? It had been 2 weeks since ...

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 2019-06-20
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX has an account open under my name and social, that i never requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX has an account open under my name and social, that i never requested.

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