BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-26
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2015-11-13
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan through TD auto finance. I have fallen behind on my car loan with them. I have tried to work arrangements out with them to try to catch up in installments to prevent collection calls but they are refusing to work with me. What is worse they are consistently calling my parents house where I do not live and my parents are not on the loan. I have requested that they stop calling them since I do not live there and they have no part in this loan. The company refused and said they would not remove their number or stop calling them until I brought the loan current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
TD Bank cashed a settlement check in the amount of {$6300.00}. The creditor still sent the account to collections. I have sent the bureau 's a copy of the voided check and the letter that was sent and they are not making the correction on my daughter and fathers credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015 I signed a modification agreement. 
The terms do not match what is being charged to me. There is a charge for {$2100.00} for legal applied after I had an executed contract. Also my payments are not being applied to principal properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I terminated my XXXX XXXX account due to a better deal I received from XXXX. XXXX sent me a bill indicating I have a credit of {$25.00}. I then had their network equipment sent back. 

After about a month, XXXX sent me a bill of {$140.00}. I returned the bill indicating the service was already disconnected. After about another month, we were receiving calls from private callers and/or caller IDs with XXXX*. When we try to answer the call, they will always hang up. When we enabled voice mail, the callers will hang up or leave a continuous tone on the machine. 

We stopped receiving these calls on XXXX XXXX, the first day of the XXXX strike. I noticed that my XXXX score went down from " XXXX '' to " XXXX '' due to a " derogatory '' record from the " unpaid '' XXXX bill. 

I would appreciate your help in this matter. 

Thank you for your efforts. 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: DISCOVER BANK
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 status incorrect

Complaint:
Ive contacted Discover regarding a late payment listed on my credit report for XX/XX/2018. It is inaccurate and they are not wanting to remove it from my credit report. I was XXXX XXXX during that time, and I am a veteran now trying to get a mortgage and they are damaging my credit worthiness. Ive asked for validation and received nothing. The representatives on the phone are very rude and no help at all and do not even care that Ive served for this country. If this is not corrected I will end the relationship with Discover immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Receivables Performance Management, LLC
State: NC
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:
I exchanged a phone. I had a certain amount of time to return it. In order to gather personal info from the phone, I requested and was granted an extention. I then returned the phone. They have the phone and noted that it was returned, but still charged me the full amount and claim I did not return the phone on time.

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 2015-04-10
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
School : The XXXX XXXX College XXXX XXXXLocation : XXXX, MAIt is very difficult to make extra payments to just the principle of my loan. I wait until the day my monthly payment is deducted so the accrued interest is zero, or at its lowest. However, then there are additional challenges such as fees to make the payment instantly online ( {$1.00} ), a percent fee to make it over the phone ( for a {$1000.00} payment the fee was going to be {$49.00} ), or errors with their online fee scheduling program insisting I select that I am making the payment on behalf of someone else. While the fee for instant payment online was low, it was still present, and I would have had to call the loan servicer at a later date once the payment was processed to direct the payment to go towards the specific loan I intended. It was not until I sounded very angry and frustrated was I then told I could give them the confirmation code immediately to request the payment be applied to the loan of my choosing. It appears that my loan company intentionally creates confusing, extra steps and expenses to borrowers from being able to make additional payments, especially applied to only the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Prepaid Ventures, LTD
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had my XXXX prepaid card closed illegally closed without permission and there refuses to give me my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Receivables Performance Management, LLC
State: IN
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:
i have talk to then and told then it was not me and show all I got that say it not me and they have not stop.i wish you put a stop to then and show it not me.i have try and try to tekk then it not me but they have not stop so I an sending this to you and let you stop then

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 2021-02-04
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this fraudulent account with SEQUIUM ASSET SOLUTIONS account # XXXX balance XXXX this account is fraud i never had any of these accounts they are all fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted my current mortgage servicer, Seterus , Inc. to make payments on my mortgage account. However, after more than a week, Seterus. Inc did not process the payments and the amount remained in my bank account. I called Seterus, Inc. again to inquire about why the payment was not processed. They told me to contact the bank because it did posted to the account. When I called the bank, the bank informed me that Seterus, Inc made no effort to process the payment through my account. In the interim, I received a notice of default for my mortgage. Another attempt was made to process the payment through a different account. I decided to close my checking account and resend the payment ( XXXX XXXX XXXX ), but allow it to come out of my savings account instead. Without my personal authorization, this payment was some how rejected, as well. Nonetheless, I made another attempt to process my mortgage payment, but this time from a totally different account. Although, Seterus, Inc is agreeing to accept my payments and providing me with a confirmation numbers, Seterus, Inc. is not processing the payments. Although, I have made several attempts to make mortgage payments to Seterus, Inc., if payments are not properly posted to the account, additional interest and fees are accumulate, raising the balance on my mortgage. Furthermore, even though numerous efforts have been made to make payments on my mortgage account, Seterus , Inc, is trying to force my loan into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My Bank of America edd prepaid card ... .. 
I have fraudulent charges that been denied and I never made the charges XXXX and its for about {$1200.00} I have lost my debit card .. and I never made the charges .. my name is XXXX XXXX social XXXX XX/XX/XXXX .. its been over 3 months and Im hurting for money I havent even received provisional credit ..! My phone numnber 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 2015-09-02
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This is a copy of a email I sent to XXXX XXXX of US Bank asking for help. I am not able to know nor see what I owe for my XXXX payment. The letter say XXXX amount and the brank manager says a different amount. The email text is below. 

Hi XXXX, I met with XXXX today at the US Bank branch office. He pulled up a payment that is due for this month and is {$240.00}. and some change. The attached letter says that amount due is {$120.00}. No knows really what I owe here. How can one do business and pay what is fairly owed. I will be sending another compliant to the CFPB about this. 

Despite the letter saying that I missed or was late for payments for XXXX ... .. I did make payments each time of the amount due for each month was dinged a late charge. XXXX tried to get a amount detail of what I owed for XXXX, but was told to have me call this number at BK Mortgage Hotline of XXXX. I called this number and was told to call or go the bank as they can help me. XXXX is not able to see any details of what makes up a payment. This is getting me no where. Please help!!!!!!! 

Kind Regards, XXXXHow can one make a payment, yet not getting any details. This is a classic case of loan fraud. I need this resolved by dropping the loan as the bank is practice deceptive practices on lending. This has been going on for years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: AMCOL Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was already paid and was being billed through XXXX XXXX, not Arizona XXXX XXXX. In fact, I paid for this bill twice, once with XXXX XXXX and a second time to Arizona XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Balance transfer

Complaint:
Misleading and deceptive practices by US Bank regarding 0 % interest balance transfers. I was offered a 0 % balance transfer and told, after explicit questioning, that I would not be subject to any interest charges if I paid the monthly new purchase amount plus the minimum payment amount. However, even though I complied with what I was told by their representative, US Bank started charging me interest on the new purchases amount. They may hide this information in their fine print, but they mislead consumers in what they actually tell them regarding their balance transfer offers. Their claim of a 0 % interest balance transfer is misleading and deceptive because what they do not tell consumers is that you can not avoid interest charges unless you discontinue use of the card. US Bank did apparently remove the interest charges and I have discontinued use of the card, but my complaint is again, their misleading and deceptive practices. I initially started my complaint with US Bank in XXXX 2015 after discovering they were charging me interest for the first XXXX months following the balance transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-18
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
US BANK has made multiple claims of rates available, to no closing costs, to other agents saying NO such thing as NO Closing Costs, Refused to speak about an online US Bank account where a new customer like me gets {$200.00} for opening account with {$500.00} or more and free checking!!? When in branch, The MANAGER refused to speak of it until I opened my laptop and pointed to it! Then said did n't know about it!! But then asked me XXXX XXXX? How do you know about Promo Code if not familiar with offer? Bank has Lied and is Baiting & switching and not giving direct honest answers, Another XXXX XXXX lender. I 'm XXXX and feel discriminated against since there trying to take advantage by not telling me all the bank deals, offers as they offer others not XXXX. Discrimination

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 2015-08-02
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Other

Complaint:
A Bonus Award night benefit exclusively for card members was removed from the XXXX XXXX XXXX card. When I contacted them, regarding the issue they said that the annual fee could not be refunded and offered me measly XXXX points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX {$50.00} i ask to deleted this fraud account no method giving XXXX  XXXX  {$120.00} I ask for method of action for this account nothing giving XXXX  XXXX XXXX {$560.00} I ask for method of method of this fraud account XXXX XXXX XXXX {$82.00} I ask for method of this account nothing giving XXXX XXXX XXXX XXXX {$1600.00} I ask for info never was giving fraud XXXX XXXX XXXX  XXXX {$5700.00} I ask about this fraud account nothing giving

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 2020-12-24
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
BBVA USA is a bank headquartered in XXXX, Alabama. It has been a subsidiary of the XXXX multinational Banco Bilbao Vizca BBVA closed my account because my credit score changed, but I still have a balance.

They do not let me pay my outstanding balance online.

This is like they are trying to make me default This is so XXXX BBVA closed my account, but I still have have balance, and you don't let me pay online, I have to call in every time to make a payment. 
This is XXXX, it is a huge inconvenience that I can't pay online I am going to report you to department of consumer affairs XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Preferred Collection and Management, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a medical bill that I am paying for a my sons XXXX. ( I was n't aware of the bill until after I found out, from my own investigation that I even had a bill in collection ). I have requested XXXX via letter from the agency, Preferred XXXX, to please send me a bill, invoice, or something reflecting what amounts I currently owe. ( I have been paying every month {$50.00} to a company without any notice of a bill besides my voided checks as the only way to show proof of payments ). I finally received a call from a XXXX XXXX who was condescending and rude. He informed me that because I live in XXXX and no longer in XXXX, I will not be receiving a bill from Preferred XXXX, because they are not licensed in this state. All I want is SOMETHING, reflecting that I am making continuous " good-faith '' payments to an establishment. Is there legal recourse for me???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Focus Holding Company
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection agency is harassing me over the phone. They call repeatedly, and can provide no information about the debt. They just want my personally identifiable information. The same information that can be used for identify theft. Please make them stop calling my phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have requested from my current mortgage company, Dovenmuele, to remove my PMI due to upgrades we have made to our home. There has been much back and forth an appraisal has been completed and they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: Phoenix Financial Services LLC
State: GA
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 tried numerous times to resolve this issue with this company directly and indirectly over the past few months with no results. I do not know this company nor have i ever did business with them i have asked numerous times for any written or electronic agreement between myself and them or any of there affiliates now im doing the same thing all over again I dont know this company nor have i ever signed a contract or agreement with them or any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home on XXXX XXXX, 2015. My first payment was scheduled for XXXX/XXXX/15 to be made to Primary XXXX Mortgage in the amount of {$890.00}. The first payment was deducted from my bank account on XXXX/XXXX/15 in the amount of {$900.00}. The second payment was made to the same servicer via a cashier 's check on XXXX/XXXX/15 in the amount of {$890.00}. 

I was notified in XXXX that my account was going to be service transferred to XXXX XXXX XXXX XXXX XXXX mortgage ) and the payment for XXXX/XXXX/15 was to be made to them. The account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX as current, due for XXXX/XXXX/15. The XXXX payment was processed on XXXX/XXXX/15. The XXXX payment was also sent to XXXX and processed on XXXX/XXXX/15. I received a letter from XXXX XXXX XXXX at the end of XXXX advising that my XXXX payment had not been received. I called and spoke to an agent who advised that I must sent in proof of payment. The proof of payment was faxed on XXXX/XXXX/15. On XXXX/XXXX/15, I received a call from the servicer advising that they completed research and determined that all payments were posted accurately and the account was still delinquent. I spoke to a supervisor who advised that at the time of service transfer, the account was 30 days delinquent and due for XXXX/XXXX/15. 

I sent in an additional proof of payment for all XXXX payments, including a screenshot of my transaction history on XXXX/XXXX/15. I have called every other day since then and have yet to receive a response. My last conversation was on Monday, XXXX/XXXX/15, in which the agent advised that they are trying to get a hold of CHFA to see what happened. As they answered the phone as XXXX loan servicing, I was under the impression that they were doing the research. It has been almost 30 days and I have yet to receive a response. 

Additionally, on top of the dispute, I am currently accruing late charges and negative reporting to my credit. 

I would like to have this issue resolved as soon as possible as it has been over 35 days since the first dispute was sent in.

Company response to consumer: Closed with explanation