BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019, I called GM Financial and spoke with a representative named XXXX, to discuss how to XXXX out my XX/XX/2019 bill. She put me on a brief hold to do some research on my bill. She also told me to pay {$570.00}, of which I immediately did. After I paid the amount in full of {$570.00}, with my visa debit card, XXXX then told me that I was fine until XX/XX/2019. On XX/XX/19 I received a bill for {$570.00}, although the car payment is {$460.00}. I then called GM financial and spoke with XXXX a servicing specialist and XXXX a supervisor regarding the issue. I asked if I could hear the recorded call from when I spoke to the representative XXXX on XX/XX/19 to verify the amount the representative quoted me of {$570.00}, in addition to her stating that my bill was paid in full to XXXX out my balance and I was fine until XX/XX/19,  after paying the amount quoted. I was told by both representatives that calls could not be recorded in PA. I then asked about the notes the representative took during our call, and was informed that she did not take any notes regrading to the matter. XXXX, supervisor at GM Financial refused to further the investigation, although he finally took notes after I spoke with him with frustrated ; he also refused to speak with the representative XXXX regarding the matter, although I questioned about it. XXXX was very arrogant and stated that I was 17 days in rears of funds owed and refused to adjust the amount of {$100.00} which is claimed owed. I called to get my payments on track with GM Financial and XXXX out my account ; I feel deceived and violated as a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: PNC Bank N.A.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PNC cleared an unauthorized debit from my Checking account. Said unauthorized debit was for a very large amount of money, and in which, there were insufficient funds. Thus, there should have been no reason for PNC to clear said unauthorized debit from my Checking account. As a result of this incident, I experienced overdraft fees and fines accessed to my account. Although, they were eventually waived, PNC should not had allow for such a transaction to occur. The overdraft occurred on XXXX XXXX, 2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Good morning I have a checking and savings account with suntrust bank. I am in XXXX, Georgia. I opened these accounts in XX/XX/2020. From day 1 I have had problems. First my name was spelled wrong, next, my address was wrong. like a fool I still allowed the bank to handle my direct deposit. I am now being continuously penalized and I feel that the bank is not showing the small account holder any benefit or customer service. as of today I have a checking account with a balance of - {$10.00} and a savings account with a balance of - {$240.00}. On XXXX, I transferred {$250.00} from my checking to my savings account tot purchase a laptop from XXXX for {$260.00}. On XX/XX/XXXX, I was informed I had an overdraft in my checking and savings account of over {$400.00}. this was due to the fact that the {$260.00} I paid for the laptop on XX/XX/XXXX was returned to my account without my authorization because overstock ad not collected the money yet. I found out that this was suntrust policy. My role in this was that I trusted suntrust and did not watch my account as closely as I should have. this gave me a false number o n my account giving the illusion that I had more money in my account than I did. as a result I withdrew more money than I actually had. on XX/XX/XXXX the money was withdrawn by XXXX and suntrust then charged every transaction between XXXX XXXX as an overdraft and fees were attached to my account. when I contacted suntrust customer service they explained their policy of returning money to your account after a certain period. I was not told this when I opened the account. After speaking with numerous agents over the phone and no one attempting to find out what had happened and being on hold for hours over qa period of 3 days a XXXX did the work and after seeing what had happened she took the overdrafts off leaving a negative balance of {$200.00} in both accounts even though my checking account was never overdrawn. I was told that when I make a deposit to either account both accounts would return to normal. This was done to my savings on XX/XX/XXXX due to direct deposit. However, the savings account, the account the was originally overdrawn did not reflect the payment and suntrust refuses to correct the situation. I am requesting that any monies be returned to me and my accounts corrected.

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 2019-05-20
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I underwent treatment for XXXX XXXX. Under my medical plan with XXXX, my medical insurance carrier at the time, all of my medical costs were covered at 100 % after meeting {$5000.00} out-of-pocket expense which I had easily satisfied prior to my XXXX in XX/XX/XXXX. All XXXX XXXX XXXX were paid in full. In one instance during my follow up XXXX XXXX   in XX/XX/XXXX, I was required to pay a {$67.00} co-pay which I did as per my XXXX plan, my insurance carrier paid the remaining costs as per plan arrangement to the provider , XXXX XXXX XXXX  XXXX ( please see XXXX Statement enclosed with this complaint ) To my utter surprise, on XX/XX/XXXX, I was notified by the XXXX  XXXX XXXX  credit monitoring service of a potentially major derogatory collections report for {$170.00} that was filed by MBA Law Offices/XXXX ( see the derogatory report provided with this complaint ). I have no idea who this company is an why they attempting to damage credit for money that I do not owe. 

In an effort to get the bottom of this and resolve this matter, I have spoken with both XXXX and XXXX, explained the situation and have initiated disputes. I have also contacted MBA Law Offices/XXXX however they are not cooperative. The representative to whom I spoke indicated that this was related to an imaging service that I had at XXXX XXXX XXXX XXXX and had paid {$67.00} and that there was a balance due. I explained to her that this was incorrect, that XXXX, my insurance carrier paid and balance to the provider under my plan. I told her that at no point during my treatment was I ever required to pay more than the co-pay for imaging services under my plan with XXXX. I explained to her that I did not owe any money and that they had incorrect information and that I am being victimized by their bad information and derogatory report against me for what I do not owe. 

Following my conversation with XXXX  and XXXX, I have XXXX MBA Law Offices/XXXX and have learned that this company buys medical debt in bulk and aggressively pursues individuals with collections even if the information that they have on the discounted debt they purchase is not accurate and I am now a victim of this practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: COLLECTION SERVICES OF ATHENS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection services of Athens has faailed to live up to section 809 of the FDCPA. 
I sent a certified letter in the mail to Collection Services of Athens. This letter was a validation of debt letter that was sent out on XX/XX/2018 and the company recieved the letter on XX/XX/2018. Tracking number XXXX confirms that the letter has been in the posession of Collection Services of Athens for more than 30 days with no response which is a direct violation of the FDCPA section 809 Vaidation of Debt. Since the company has failed to respond I am demanding that this item be deleted from my credit report and a letter on Collection Services of AThens comapny letterhead is sent to me conforming the deletion and also contact all three of the major credit bureaus of this deletion request at once.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! 
Please remove these accounts as soon as possible!

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 2019-05-20
Company: Rocket Mortgage, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I received a call from Quicken Loans. The purpose of the call was to sell me a refinance or other loan. From the beginning of the call I stated that I did not want my credit report pulled as the loan I have currently is only a few months old. Quicken already has copies of my credit from a few months ago. Throughout the call, the lender stated " I just want to make sure I'm giving you the best deal '' and also to make sure who he was talking to, verified the last 4 of my social. Towards the end of the call, he stated my report numbers, and I asked him if he had did a hard pull of my credit. He said not to worry, it falls off within a couple months. I told him again that I stated at the beginning of the call I did not want another hard pull on my credit, and I ended the call. 


I followed up with a dispute with Quicken Loans, and was assigned a case worker. 
Case # XXXX XXXX XXXX Quicken Loans | Executive Resolution Advocate Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Ext. XXXX XXXX XXXX stated he listened to the conversation, and agreed that I stated that I did not want my credit pulled at the beginning of the call, but I " didn't object '' to when my credit was being pulled. I didn't know that a new inquiry was happening, nor did I give authorization for it to be pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled with Convergent Outsourcing for a phone bill. I did not recognize the debt but paid to have it deleted from my credit report. They list it as paid, but they have not deleted it.

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 2020-09-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I don't know what's going with Equifax but the more I pay off my debts the more my credit score drops. I have tried to contact Equifax but they just put you on hold or the person has no idea what's going on. My XXXX and XXXX credit score is just about the same but Equifax is way off the chart my score has not move in months how is that so. Equifax if you have an issue let the public know because it is preventing me from purchasing my first time home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made a complaint about BBVA, I tried to call them but they hung up on me. The complaint number is XXXX. I also provided feedback. I would like everything to be reviewed again. Because if they are using an automatic system I did not chose that, if I do not have the money in the account I do not wish to pay something. They decided they would pay it. Which would be a personal business loss on their end. I have no accountability or responsibility to pay them back. Even BBVA 's documents and submitted and in their reply they even state I had the money, and I went into a branch and got my money, their fees were not even process the day I got my money. Again on them and their system. They even show how and tell how they just kept piling on fees two {$25.00} fees several {$38.00} fees and they just kept sending checks according to one of the agents. Which would be another system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Performant Financial Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX2019 a letter was marked to be sent to my address. This was for Performant Recovery Inc. for Account XXXX Fiscal service number XXXX. 

They are attempting to collect {$590.00} for a debt held by XXXX XXXX of {$440.00} per my XXXX  credit report. 

I called on XX/XX/2019 about the change in price and that I would pay the amount owed of {$440.00}. They stated that since they are a collection agency they can charge recovery fees, and the account will accrue interest. 

I escalated to a manager who said the same info. When I informed them of the right a consumer has under the https : //www.consumer.ftc.govXXXX What are debt collectors not allowed to do? 
They cant engage in unfair practices. For example, they cant : try to collect interest, fees, or other charges on top of the amount you owe, unless the original contract or your state law allows it. 

This is in direct violation of that. That being said performant then stated I was already given a break on the price of around {$200.00} but that was a payment that was made from my tax collection as I had to correct them on.

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 2019-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company is Capital One. They Robo Dialed my cell phone from XX/XX/2018 to present. I spoke with a representative in XXXX and asked that they discontinue the calls.Because, I was XXXX and XXXX XXXX XXXX, the account fail behind. However, I was able to reinstate my monthly payments in XXXX, but unbeknownst to me, the account was charged off. That said, Capital One continues to call using an XXXX exchange, and when I dial back. The person who answers states that the call is being recorded and they are employment specialists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt about 4 years back and its still reporting negative on my credit. The company advised me that it would be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRUSTMARK CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I had two unauthorized transactions at out of state retail stores ( XXXX XXXX - XXXX XXXX ) and ( XXXX XXXX - Washington DC for both XX/XX/XXXX & XX/XX/XXXX ). I discovered and reported this information to my bank on XX/XX/XXXX and after investigation was declined the error dispute. The reason given was my possession of the card, despite sale occurrence out of state. These were unauthorized transactions for which I received no financial gain but a loss of {$4200.00}.

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 2018-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2018 I sent {$800.00} through XXXX to an owner of a beach house for XXXX XXXX weekend. XXXX was affiliated with my bank that Ive been with for over a decade, Bank of America. I honestly never even thought twice about it because I trusted my bank. Ive always had a great relationship with them, and always felt safe. Today- XX/XX/18, I drove hours away with my XXXX small daughters, showed up in XXXX XXXX, SC to a real house, which was occupied, and after speaking to the current guests realized I had been scammed. I even called the real owners of the property and they said this guy had done this before, stolen pictures and rented their house. He covered a his bases as a true scam artist. I sat on the beach for HOURS on the phone with Bank of America and they said there was absolutely nothing they could do. It was extremely devastating and difficult to see my XXXX girls so upset that we had no place to stay. The {$800.00} hurt us to lose. Every penny is accounted for as I am in XXXX XXXX, living on loans, and not working as school doesnt allow it. Bank of American definitely disappointed me. If youre going to affiliate with XXXX, please be willing to help out customers who have been loyal and not abused the system! We are struggling with the loss of trust, our last vacation of the year, and feelings of hurt. All we want is a refund. I have the emails, the link to the listing, and even a receipt this guy gave me. Im not making this up! We are so devastated. We just want a tiny piece of mind back after being essentially screwed over. Please help us. Thank you.

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 2019-02-17
Company: Paypal Holdings, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A letter was sent on XX/XX/2019 from XXXX XXXX XXXX   stating I owed {$1000.00} to paypal inc. I do not owe this debt and is a attempt to collect a debt that was due to theft of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
During hurricane Ida, my car was flooded while parked on the streeXXXX. XXXX has been my insurance company and the claim was reported to them immediately. After inspecting the car, it was deemed a total loss. I received a notice of settlement from them. XXXX then towed away the vehicle and it it was subsequently sent to salvage. 

The vehicle was refinanced from Capital One Auto finance back in XXXX of 2021. During all this time, they DID NOT acquire the title from XXXX even after paying off the previous loan. I called XXXX who told me that they sent out a title on XX/XX/2021 to an address in XXXX XXXX XXXX Capital one says this was an incorrect address and they never received the title but certainly did not pursue this at the time. Now that the vehicle has been totaled, they are telling me to continue paying on a loan for a vehicle I do not even have. If this was a matter of days or a couple of weeks, I would not have an issue but in the State of NY it will take 45-60 days to perfect the title. Had Capital One gotten the title in XXXX, XXXX would have received it weeks ago and the loan would have been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Caliber Home Loans, Inc.
State: NJ
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:
There are scores of complaints and lawsuits against Caliber Home Mortgages for the same practice of stalling requests for loan mods, especially with houses like ours which had significant equity still and could be sold by the financial institution for a profit. 

We are a senior couple who has a file over 200 pages thick, detailing our never-ending effort to get a loan modification, while we were in the process of selling our house. Often, on the same day we would get two letters, with the same date : one saying they had what they needed to process our loan mod, the other saying that they still needed more information. We sent the exact same information several times, but they responded after more than 30 days, so they needed another months ' information. In the middle of this battle, they said we were in foreclosure, and reported this to the credit bureau, although we never received anything from the courts, and the house was sold through traditional methods. This credit blemish has stopped us from purchasing a retirement condo ( we're both XXXX ) and I am wondering if there is a class action suit we could join or if there's another way of getting caliber to reverse their credit bureau report. 

.

Company response to consumer: Closed with explanation