BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$10000.00} -This is not my 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 2019-12-25
Company: Google Compare Credit Cards Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an email acccount with GMail of Google Inc. It needs to be paid for at $ XXXX/month. I received a bill now that says that if I don't resume payments within a few days, that the email account will cease to function. In that account, I have numerous folders with valuable content in them. So, in effect the email from Google constitutes a type of threat or insinuated threat that I need to pay immediately or else have some of my property deprived from me. I am not able to access those credit cards to my name that have the money to be able to pay Google, because I would have to order them online and then wait 10 days for them to arrive in the mail. So, it almost seems as if the timing of the message from Google someone knew that I am having these financial problems and is timing the " threat '' based on what the computer says is my ability to pay right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Asset Management Outsourcing, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nationwide Recovery Services - XXXX XXXX XXXX The account was paid by medical insurance XXXX XXXX in conjunction with XXXX. I never received any type of bill and the insurance coverage that I had at the time covered all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am attempting to connect my PNC Checking Account to my XXXX  account and PNC is not allowing the transaction to go through effectively limiting my access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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:
On XX/XX/XXXX I called XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX @ XXXX and spoke to the Manager,  XXXX. I agreed to purchase an engine for a XXXX XXXX XXXX and provided my Capitol One Visa card. It was explained to me my card would not be billed until my item shipped. My item never shipped, my card was billed immediately, no tracking number was ever provided, I contacted the merchant numerous times between my initial contact and XX/XX/XXXX. The manager, XXXX refused to provide a tracking number, issue a refund, or provide any info regarding my order. I never received any mail, email, or phone calls back. 
On XX/XX/XXXX I contacted Capitol One and disputed the transaction. On XXXX my account was credited for the fraudulent charge amount {$1200.00} however on XXXX the charge re-appeared. I contacted Cap One and they informed me the merchant would refund my money minus a restocking fee. As of today XXXX, the merchant wont accept my calls, I have no refund, and Capitol one isn't honoring the Visa Dispute policy. 
On XXXX I filed a Federal Trade Commission complaint against the merchant, I sent a copy of the FTC complaint as well as written notice of fraud on the part of the merchant via certified mail to Capitol One at Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX My credit card was charged fraudulently, the merchant intentionally mislead me and by using a scam tactic obtained my credit card number. No item was ever shipped, no receipt was ever provided, no confirmation of any order was ever received, no proof of any shipment was ever provided. The merchant wont respond to phone or written correspondence, Capitol One has failed to honor the Visa Consumer Dispute Policy. Per policy proof of shipment is required to be provided upon request. 
Please assist in resolution with Capitol One as they have failed to respond in writing to my dispute and refer me to a vendor that refuses all communication regarding the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter was transported from one hospital to the other by a helicopter.l provided by XXXX XXXX XXXX. The amont billed was fully paid by my insurance company. All of a sudden, they started sendind me and also harrasing me with phone calls thst they needed more money. I notified my insurance and was told that the account was fully psid and thst i owe them no money at all. Payment was made XX/XX/15 by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am submitting additional supportive information in regards to a complaint I had put in with the XXXX major credit reporting agency 's. My XXXX account is currently reporting as a 30 day late payment. This information is incorrect as I have never been late in paying this credit card. The credit reporting agency 's told me they did an investigation and it was reporting correctly. This investigation was too short as I received the results way to quick. I contacted XXXX shops and they provided me with the letter I am submitting as substantial proof that this account was not paid late. This account should be showing as accounts in good standing and with the deragatory remark removed. I requested this back in XX/XX/2016. Please note the date of this letter which is dated XX/XX/2016

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 2016-02-17
Company: HOMESTEAD FUNDING CORPORATION
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing a formal complaint against Homestead Funding Corporation and XXXX. I closed on my home through a VA XXXX on XXXX XXXX, XXXX, through Homestead Funding Corporation ( HFC ). HFC started using XXXX for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On XXXX XXXX, XXXX, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " XXXX '' and represents Homestead Funding Corporation. I voice that the call sounds like a phishing attempt as I have never received a call like this. XXXX threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with XXXX 's supervisor, and she refused that request as well. I called XXXX later to confirm that my payments were being applied to the mortgage. A XXXX XXXX employee confirmed this information later that day. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that my loan is being transferred from Homestead Funding Corporation. XXXX 's letter makes no mention of XXXX XXXX, leading me to believe it is a phishing attempt. Also, XXXX XXXX, XXXX, I made a call to XXXX XXXX to discuss why a XXXX XXXX employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed " XXXX '' made the call on XXXX XXXX, XXXX, and confirmed he would review the XXXX XXXX phonecall. I asked what relationship XXXX has to XXXX. The supervisor confirmed that XXXX has a relationship to XXXX and confirmed that my loan was being transferred. I reminded the Supervisor that mortgage servicers are required to provide written notice at least 15 days before the effective date of the transfer. The supervisor retorted that the letters were sent out prior to the weekend and thus meet the 15 day requirement. The supervisor at XXXX did not have an answer for why I had received a notice of transfer from XXXX dated XXXX XXXX, XXXX, and yet XXXX failed to meet that 15 day deadline. In summary, my complaint names Homestead Funding Corporation, XXXX, and XXXX. My concern with XXXX is that my VA Loan is being set up to fail by a mortgage servicer with numerous complaints and XXXX ( XXXX ) star reviews on numerous websites. Finally, the pattern exhibited in my complaint consists of Homestead Funding Corporation and XXXX ignoring the laws set by RESPA and the FDCPA and failing to meet the requirements of providing written notice within the set timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Exeter Finance Corp.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have experienced an issue with Exeter Finance. I was previously in a loan agreement with Exeter finance and I have since went with another lender after getting a better rate. with that siad, while in the loan agreement with Exeter, it was notated that I was late for payments on my account and also they have notated that the account is closed and in a current status of behind XXXX 90 days which is also inaccurate. In addition to the inaccurate information being provided by to the credit bureaus ( and the bureaus not verifying the information correctly ). After researching the company, they have violated the XXXXFDCPA and still reports to XXXX and XXXX. As a result I have suffered damages from their negligence and predatory credit reporting activities. Exeter is not lawfully compliant with to do business within the state of TEXAS and is not BONDED by and authorized bonding company. In addition to the items noted above, since they are not state compliant and I am not sure how to access their bond information. I would like to request that their tax returns be placed in discovery to see if they are also out of compliance as it related to the IRS. I know that I was not the only customer they had so they are also violating other consumer rights as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I have a car loan with XXXX XXXX XXXX since XX/XX/XXXX since .. 
I recently have gone through during the pandemic a hardships and have been late making a few payments

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 2016-04-23
Company: Stellar Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Did not receive any notification from Stellar Recovery about a debt collection that suddenly appeared on my credit report. I have no idea what it is for, I have been provided no opportunity to dispute or satisfy any debt collection action prior to it simply showing up on my credit report that I monitor constantly. I have been building my credit steadily over the past few years and this wiped almost XXXX points off of the estimated score, which directly affects my ability to pursue financing for my small business and personal necessities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Stellar Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Me & my father share the same name I 'm a XXXX and he is the XXXX. I have never had a XXXX bill in my name I believe that the current collection agency has mistaken me for my father. I have sent out XXXX validation notices to Stellar Recovery and have not got any response it has been more that 45 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I do n't owe XXXX {$33.00} I do n't even have their service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  transferred/sold my home mortgage to Specialized Loan Servicing ( SLS ). When I requested a payoff I saw that it stated that I owe an additional {$15000.00} in other deferred amount owed. I called XXXX XXXX for an explanation and they directed me to SLS. Ive now called SLS four times having to leave a request for a call back. I have not received a call back. I sent a certified letter to the address listed on my bill. It is a P.O. Box. The letter arrived on XX/XX/XXXX at XXXX XXXX. I requested all documents supporting/related to the {$15000.00} amount. I have not received anything or an acknowledgement. My home is currently being sold. Escrow is due to close XX/XX/XXXX. I of course only want to pay what I owe. 

Due to the lack of response, Ill have to pay this amount off so title can be transferred to the new owner. I want to see the proof that this amount is owed. Im not disputing the principal balanced owed. My wife and I have no recollection of what the other amount represents.

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 2015-12-08
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The bank is continuously charging me fees - whereas the overdraft protection was to thwart such activity. I am being told my savings account is closed, yet a {$500.00} deposit was made on XXXX XXXX, 2015 and retained by the bank. there are still monies in the savings account which was used to assist with possible overdrafts ; needless to say the bank is telling me I have to come in and close the account. I was charged {$140.00} for returned item fee and I am not sure what the expense was causing further financial chaos -personally. Refer to Case number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 conducted an investigation and believe these transactions are valid and belong to you. Therefore, we are respectfully declining your request for permanent credits of those disputed transactions. '' Again -- No reason at all given for your XXXX conclusion ... I will be  showing all of this to the credit bureaus when the time comes and also the debt collection agency that will be one day be calling me on behalf of Capital One regarding the charges ... Again -- I am not paying for these charges because I am not responsible for them as I did not make the purchases -- which I just got done pointing out and you still have the audacity to not give a reason for your supposition, and then tell me you " respectfully '' decline my request to be permanently credited, right in front of the CFPB!! There is nothing " respectful '' about that. You people are brazen!! Again -- I refuse to pay for fraudulent charges which you still won't because you can't show any proof of your claim. And I consider this matter closed ... Also I will never EVER patronize Capital One again. Have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019, There were four unauthorized transactions made on my account totaling {$690.00}. These transactions were happening as I was at home. I went to see if I had misplaced my debit card and saw that it was right there in my wallet as these transactions were occurring. Someone had compromised my information and was making atm withdrawals at two different locations with my information. I filed a dispute with Netspend. They did not assist me. I have contacted corporate and have only received one e-mail from them promising to assist me and asked me how They can reach out to me. I have not heard anything else in days and it is now XX/XX/2019. My card should not have been compromised this easily and now I am out of {$690.00} and Netspend has not asissted me at all. Furthermore, they promised me a provisional credit until the investigation is complete. They came back only a day after I filed the dispute and said " they found no error '' so my account would not be credited. I know they did not do a thorough investigation into this matter. I would like to know what happened to my funds and how my card was compromised and I would like my funds returned to me. Netspend had a responsibility to do a thorough investigation and they did not.

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 2020-06-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I received a check with the amount of {$2200.00} in the mail from someone who portrayed himself as my supervisor. I was instructed to deposit the check and transfer {$1800.00} through XXXX as a donation to the local foster homes. I did not realize that I had been scammed until I checked my bank account to find that the check had bounced. As a result, my account had been overdrawn by {$1800.00}. I called my bank immediately to dispute these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On two separate occasions, XX/XX/2020 and XX/XX/2020, debt validation letters were sent and received via certified mail, by Portfolio Recovery Associates, LLC. I sent these letters to them to verify the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I have yet to receive a proper response and they are reporting negatively on my credit without verifying this information. I would like this information deleted immediately, and for them to cease and desist this erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a co-signer on my daughter 's student loans. The private loans, totaling about {$18000.00}, are still with Navient. She refinanced the federal ones to lower her payment, but her private ones are still with Navient. She has trouble paying. I 've helped when I can, but I can afford them either. When she gets behind, they start calling, up to a dozen times a day. At one point, I wrote them a letter and asked them to stop harassing us but it 's started back up. I have also received letters from them and toward the end of the letter, it says, " If you 're having trouble making your monthly payments, please call us so we can assist you at XXXX to help you XXXX XXXX., and XXXX XXXX., ET. Sincerely ... '' She has written emails and tried to contact by phone, so have I. They are very hard to get through to. When she finally actually gets through to someone, they say they ca n't help. And the balance never goes down. She graduated in XX/XX/2008 so has been making payments for over eight years. 
The worst part is that she got a horrible education at XXXX, they lied to us about a lot of things, and she 's still stuck with this loan and her degree means nothing.

Company response to consumer: Closed with explanation