BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-04
Company: Peer Advisors, LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 a man appeared at my door saying he was serving papers for ( what initially sounded like ) XXXX. I said I had no account with them, and told me I needed to call the lawyer involved. Upon looking at the documents they related to my deceased grandmother. Knowing that by Federal law I am not responsible for this debt, and the fact it felt like a scam ( being served with papers without any prior effort by any party to contact me regardless ), I did not take action. On XX/XX/XXXX I and my spouse received additional correspondence from this lawyer stating that he was entering into judgment to have the debt paid. All documentation contains a laundry list of relatives for my late-grandmother, including the executor of her will ( which is not me ). Upon reviewing documentation sent by certified mail it seems that she took out a loan at some point prior to her passing. At no point was I aware of this loan, I never discussed it with her, nor did I co-sign on this loan. After talking with a representative of the CFPB on XX/XX/XXXX I wrote a letter to this lawyer indicating that I have no legal responsibility for this debt, nor do I have any intention of paying it. This letter was sent by certified registered mail on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient Account # XXXX has 7 loan numbers loan numbers on which I have been making payments for ~2 years. The balances are now HIGHER than they were when I started. Navient can not explain this other than to provide me their formula which apparently would have me paying them forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX, I received my first credit card which was an XXXX XXXX card. I was told to pay each month in full. I did not know I could pay monthly payments. I had a balance of approximately {$2200.00} and was not able to make the full payment due to losing my job in XXXX. I also didnt make monthly payments because I didnt know I could. After 3 months XXXX XXXX closed my card and sent it to collections. After trying to pay them off earlier this year, they stated they had settled with the IRS and I would pay it on my taxes which wasnt an issue. However, this derogatory mark is on my credit and fnb Omaha will not remove the mark from my credit report. Ive tried everything and this is the only derogatory mark on my credit report. Please advise how I can get this removed as I was naive and did not have the proper guidance. 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 2017-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
We made two payments on our Capital One Credit card to XXXX XXXX on X/X/17 for hotel reservations and membership to XXXX XXXX. XXXX XXXX never acknowledged or sent confirmation after we made several attempts to ask the merchant to give us the services we paid for. Within the 90-day period, we made a formal complaint to Capital One Credit card. Capital One began arbitration with XXXX XXXX. XXXX XXXX sent their documentation including a false document that stated we did get a reservation. Capital One also called XXXX XXXX on XXXX XXXX,2017. They asked XXXX XXXX had done what they said they would and XXXX XXXX send yes. Based on this, Capital One said the merchant did do as agreed upon. XXXX XXXX lied and denied that we had cancelled our contract. Attached is all of the e-mails, communication with both XXXX XXXX and Capital One. I also included the e-mail that shows we cancelled our contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used western union services and they took the money out of the account and sent me a completed transaction letter. When my dad went to pick up the money they denied the transaction. When following up with WU, they said oh yeah, the transaction did n't go through. This was a transaction completed XX/XX/2016, this is now XX/XX/2016 and I still do not have my money back! 
This is not the first time I got this problem, initially I thought mistakes happen in the system, now I believe they are making money on denying transactions and keeping money for weeks making interest on the customers! There was no communication from WU telling me sorry and what went wrong, in fact when calling them I got very limited info, saying may be the recepie by reached some limit, but never a definite answer, never giving a direct answer to the declined transaction. Terrible service. The managers had no answer why transaction was cancelled by western union. Telling me to write to the headquarters. This is weeks now and my money is still held by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery, LLC claims I owe and continues to report two bogus debt accounts totaling {$4000.00} and {$590.00} purchased from XXXX XXXX. 

I have disputed this debt through various channels including XXXX  and the XXXX XXXX XXXX. Each institution has sided with the debt buyer, claiming that their reporting is accurate, despite the fact that Portfolio Recovery refuses to provide concrete evidence which corroborates their fraudulent reporting and collection efforts. 

I also wrote Portfolio Recovery, LLC a letter citing Texas Finance Code, and demanding substantive proof of the debt they allege I owe, which received no response, in violation of Texas law. 

I am hoping CFPB can resolve this matter by forcing Portfolio Recovery to immediately delete these bogus collection accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Meridian Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NO KNOWLEDGE OF ANY ACCOUNTS WITH MERIDIAN FINANCIAL SERVICE YET THERE ARE 4 ACCOUNTS SHOWING COLLECTIONS.BESIDES THE AMOUNT AND DATES VARY. THIS IS NOT MY ACCOUNTS. AS YOU CAN SEE BY MY CREDIT REPORT I PAY MY BILLS WITHOUT ANY PROBLEMS. PLEASE HAVE THIS CORRECTED AND REMOVED. 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 2020-08-25
Company: Deinde Online Services, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$500.00} last XXXX from this company called Integra Credit. They of course quickly went through all their many terms, but never sent me a copy.

I have made payments in the amount of {$1200.00} and just submitted another payment today for the " missed payment '' in the amount of {$79.00} to be processed within the next few days.

I shouldn't have had any missed payments since they are being automatically withdrawn on my paydays. What seemed to have happend when I looked at my bank was they tried to withdraw the payment right before my direct deposit went in on my pay day. My bank of course also charged me a return ach fee when it happened. Integra Credit then proceeded to call me every single day, twice a day, about this past due payment. It was harrassing and especially disruptive since I work during the day. 

I just logged into their website and it says I still over {$340.00}. I feel like it is fraudulent for a loan company to make over a thousand dollars in interest on a {$500.00} loan.

I tried calling and asked the customer service rep if she would close my account. She put me on hold for about 10 minutes to get a manager, then told me they would call me back, however they have not. 

Can you please help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
ON XX/XX/XXXX I REC 'D EMAIL STATING I AM LATE ON MY CREDIT CARD PAYMENT. I CALLED CREDIT CARD COMPANY AND THEY SAID IT WAS MEMBERSHIP OF {$19.00} A YEAR AND NOW ITS DOUBLED BECAUSE IT WAS NOT PAID ON TIME. I SAID CARD WAS CANCELLED LAST YEAR AND THIS CARD HAS NEVER BEEN USED AND WAS NEVER ACTIVATED SO HOW CAN YOU SAY I AM LATE AND IT IS REPORTED TO CREDIT BUREAU AGENCY. THEY KEPT HARASSING ME TO MAKE A PAYMENT AND THEN THEY WILL CLOSE MY ACCOUNT. I SAID I HAD REQUESTED TO CAPITAL ONE LAST YEAR TO CLOSE MY ACCOUNT AND THIS CARDS WERE NEVER ACTIVATED. ( AND I DON'T EVEN HAVE THEM AFTER LAST YEAR I CLOSED THE ACCOUNT ) THEY SAID THEN IT WILL TOWARDS YOUR CREDIT AND IMPACT NEGATIVE.I DONT MIND PAYING THEM BUT THIS IS NOT FAIR TO CUSTOMER THAT THEY CLOSE THE ACCOUNT AND NOW THEY SAID I NEVER CANCEL MEMBERSHIP SO THEY REPORTED MY LATE PAYMENT TO CREDIT BUREAU AGENCIES.PLEASE HELP I PAY ALL MY BILLS FIRST BEFORE I EAT. WE HAVE GOOD CREDIT AND THIS PEOPLE ( CAPITAL ONE ) IS TRYING TO RUIN MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX is stonewalling my attempts to clear my name from negative marks on my credit report. I have written to them on numerous occasions over the past 6 months expressing concern that they are reporting inaccurate information. They are reporting negative marks that do not belong to me. I asked them for proof that these negative marks belong to me and they ignore those requests. They conveniently send 'form ' letters with he last one claiming they don't understand the nature of my request which is utterly ridiculous. 

This is a willful attempt to circumvent their obligations under FCRA.

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 2021-02-24
Company: PLANET HOME LENDING, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying unsuccessfully for over a week to obtain the payoff amount for my mortgage I have with planet home lending to no avail. I have submitted proper request and called them today to be treated rudely and talked down to. I have never missed or been late on any payments. Was told my information was inaccurate only to be reviewed by a supervisor and he seemed it was correct still no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: EQUIFAX, INC.
State: NJ
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:
Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX/XXXX CHXXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy XXXX/XXXX  CHXXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: BMW Financial Services NA, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I made a monthly payment to BMW financial services for my XXXX BMW XXXX in the amount of {$500.00} though the BMW customer account website. The money was drawn directly from my bank account on XX/XX/XXXX. On XX/XX/XXXX BMW financial services illegally drafted additional funds from my bank account in the amount of {$560.00} and applied it to my BMW account, that money cleared my bank account on XX/XX/XXXX. I did not authorize this transaction. I I have spoken to numerous supervisers with BMW financial services Advising them of the overpayment for this month and requesting a refund. I have faxed and emailed information from my bank showing both transaction cleared my bank account. I spoke with XXXX XXXX ( manager ) XXXX XXXX ( customer service advocate ) and received an email from XXXX XXXX XXXX ( chief operating officer ).  As of today XX/XX/XXXX I have not received a refund. I have never made a late payment or had funds returned and I am upset that the managers all refuse to return my overpayment amount that they illegally obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18 a dispute was sent to company regarding XXXX XXXX/XXXX   {$1100.00}, XXXX XXXX {$810.00}, XXXX XXXX {$1000.00}, XXXX {$1600.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

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 2015-09-10
Company: ERC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection has already been removed from my XXXX credit report and should have been removed from XXXX and XXXX as well. I am attaching proof the the collection has already been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: Revco Management, LLC
State: TN
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: Problem with personal statement of dispute

Complaint:
I wanted to know are you the owner of the original debt? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: CU Recovery, Inc.
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
We have tried to settle the debt owed for the pst week XX/XX/XXXX-XXXX 2020, she refused our offer multiple times, she then suggested it will hurt our credit score and stated she knows we can afford a payment arrangement. Then threatens that she will check to verify employment to garnish wages when we hadnt been sued yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04
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:
Transunion is reporting that my payment for a HELOC account with my local Credit Union is 60-89 days late. There is a {$0.00} balance on this account, meaning that I owe no money, and I have never missed or been late for even one payment. This is reflected in correctly Transunion 's own " Payment History '' of the account, yet they have it flagged as 60-89 days late for a payment that is not due because the balance is entirely paid off. I opened a case with them, that they then closed and did not correct the error. 

NOTE : none of the other bureaus are having trouble reporting correctly on this account.

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 2017-01-06
Company: Big Picture Loans, LLC
State: OK
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This is in reference to Case Number # XXXX. I am adding additional information to my previous case. 

I sent an email on XX/XX/2016 to Big picture Loan and stated I wanted to close and settle the account and have the ACH Debit and Credit authorization stopped effective immediately.After no response for 2 days. I sent another followup email on XX/XX/2016 and I still have n't heard anything and to contact me by email only. My account with BIG Picture Loans is stating that they have been attempting to contact to discuss the loan and that in order to resolve and bring the account current, please contact us immediately at XXXX. I have spoken to the customer representatives to resolve the debt and I have been met with rude and nasty reps and they are telling me a different story. I have made a a total of {$250.00} worth of payments and I still have a large outstanding balance due to the interest and fees that have incurred on the account. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.No representative can explain to me the details of the interest which seems to be extremely high. I have attached documentation showing the payment and emails that I have sent to them. This company is Red Rock Lending, It goes and has gone under multiple names, Castle Payday, and has now changed its name to Big Picture Loans. 

Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX, MI XXXX Please help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
Target credit card reported a 30 day missed payment for the month of XX/XX/2019. The payment was actually paid a day late but it was never 30 days late. I sent all bank statements to both creditor and credit agencies to verify the payment was never missed for 30 days. I was told from the creditor it was system error and would be corrected, Months later this still has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
By mistake, I schedule payment of my monthly amount due to TD Bank. Unlike other credit cards sites, I was not warned that I was scheduling the payment twice. I noticed that money was removed from my XXXX checking account twice on XXXX XXXX, 2016, so I called TD Bank and asked them to send me the full duplicate amount back. Since I do n't have a checking account with TD Bank, representative told me it would take them from 2 to 3 days to send me a check. As I did not get a check, I called them again last week, and was then told that it takes them 8-10 days to send the check. It 's been over 10 days, I am yet to get a check, and when I called them today, they could not tell me when the check will arrive. Please help me.

Company response to consumer: Closed with monetary relief