BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
A third party vendor incorrectly billed a monthly recurring charge for internet services to an American Express account. Months earlier, I had changed the billing to another credit card, which they successfully billed for almost a year. For some reason, in XXXX 2016, they mistakenly billed the charges to the American Express card, which I had physically destroyed before then. The vendor could not explain why they used the old information, but acknowledged that they did. They then billed me correctly on the new card. No services were provided to me by the vendor from any charges to American Express. I gave this information to American Express. After a few rounds of phone calls and emails, they agreed that the charges were incorrect. The vendor was ultimately paid on the correct card, and they agree that I do not owe them any money. American Express, at XXXX point, also agreed. Unfortunately, that happened on a phone conversation, which I did not record. They did send me a letter indicating the dispute was resolved. 
I assumed that was the end of the matter but I foolishly failed to keep the letter. There was peace for a few weeks. Then American Express collectors from XXXX began calling me at home and on my cell phone trying to collect the nonexistent debt. I answered the phone for their calls and I contacted the company several times to try and explain to someone who could understand. Now it has started again, with the callers threatening that my credit may be adversely affected. I told them all that my wife and I have a credit rating of XXXX ; we pay our bills on time. Now the billing and collections calls have started up again. I 'm a XXXX and do n't have the resources of American Express. They have wasted untold amounts of time and money chasing a debt that does not exist. But because they have the apparatus in place, they can pursue the matter, taking my time, even though I have not avoided communicating with them to sort things out. I seem unable to convince them, however, that I do not owe them any money. Can you please help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Transworld Systems Inc., sent a collection notice of an overpayment from FL. XXXX, ( Unemployment ). # 1, they had wrong address, ( no Apt . # ) so I received this I do n't no how late. # 2, my main complaint, I called the number on the envelope ( XXXX ). I was finally told they did n't have my account number, which was on the letter in their system and call ( XXXX ) after 10 minutes, I was told to call ( XXXX ), after a couple of sales pitches, I was again told it was n't in the system, ( mind you, I am only trying to pay a debt! ), I finally got in touch with an associate, that found it, but ... ...., was told I had to call, you got it, ( XXXX! ). I tried this circle again, and after over an hour got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had purchased a car from XXXX XXXX ( XXXX, OH ) in late XXXX and was provided a loan with Santander Consumer XXXX. The salesman 's name is XXXX XXXX. The car blew its engine 45 days later and XXXX XXXX refused to pay for the repair. It cost me {$2500.00} to repair the engine. 

I continued with the loan and had to defer the loan for 2-3 months due to job loss / unemployment. From this point, as I tried catch up on my loan, Santander counted the payments towards the interest accrued and did not reduce the principal. this persisted for a few months and I eventually told them to pick up the car and I am unable to make the payments. They sold the car, unknown price to me and have me owing $ XXXX remaining balance. All in all, the XXXX - 4 Yrs. of payments never reduced my principal. They do n't provide any documentation and had accelerated harassing calls. 

This company does unethical business and offers predatory loans where the principal is never reduced, initiate collections / repossession efforts and stiff the customer with unknown amounts of money and do n't provide the reasoning on how they arrived at the loan. 

In the end, I am stuck with a XXXX XXXX responsible for the Income to be filed in XXXX with the XXXX. I do n't think this is very fair and Santander should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I have filed my tax return with XXXX XXXX for the years of XXXX, XXXX. This year they turned it over to Cash App Taxes, so I filed my XXXX return with Cash App Taxes on XX/XX/XXXX. They gave me the option to have my refund deposited with Cash App, with whom I have an account which I have used in the past. The terms of service for Cash App Taxes states that you must have an account with Cash App to file taxes with Cash App Taxes. The account number on my Federal and State Returns is : Routing XXXX Acct : XXXX ( the same number on my Cash App Acct. ) My Federal Refund was sent to that account with Cash App in the amount of {$740.00}. on XX/XX/XXXX and Cash App returned the amount back to the originator. That meant I had to wait another week to receive a paper check. Now my State Refund in the amount of {$2000.00}. was sent to that account on XX/XX/XXXX and again Cash App returned the amount back to the originator. I have talked to customer service over the phone and have communicated via email so many times, I have lost count. They just keep saying I have to submit a photo with my drivers license in the photo, front and back, which I have done twice. Still no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had a lease vehicle through Ally Financial. Once the vehicle was turned in, I was charged for damages that I felt were inappropriate. After several appeals within Ally were unsuccessful, I sought outside mediation services. Once Ally was contacted by the mediator, I received a call from them offering me a settlement if I cancelled mediation. I accepted their offer in order to put the matter to rest. However, what was not disclosed to me during that phone call was that they were not waiving the remaining portion of the disputed amount, but were going to report it as forgiven debt to the credit bureau. This was never disclosed to me, nor was it ever mentioned that accepting this offer could adversely affect my credit score. When I called them after learning that my credit score dropped, they said that the only thing they could do would be to re-open the account and report it as paid in full if I sent them the rest of the disputed amount. I believe that this type of bait-and-switch tactic is both fraudulent and unethical. I would never have cancelled mediation services had they disclosed all of the terms of their offer to me at the time it was made.

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 2023-02-01
Company: EQUIFAX, INC.
State: AR
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:
Ifoundoutthatsomeofmycreditreferencesarenotshownbuthavebeensubmittedandvalidatedwhilelookingoveranupdatedcopyofmycreditreport.Pleaseconductanotherinvestigationandsendmethecredithistoryasshownbythemerchant'sletterthatisconnectedtomycreditreport. The information on my credit profile below appears to be somewhat misleading and incorrect, so I am formally requesting that it be CORRECTED. In accordance with the Fair Credit Reporting Act, 15 USC section 1681i, you must complete your investigation within 30 days ; otherwise, you will be in violation, and the Federal Trade Commission may conduct an investigation : XXXX  XXXX XXXX Balance Owed : {$480.00} XXXX XXXX  XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage loan was sold from XXXX XXXX to Specialized Loan Services in XX/XX/2020. The loan information generated with this new mortgage company, Specialized Loan Services, is not correct. Their loan has me listed as a co-borrower, and it has listed as the main borrower a person I am not related to, and is not part of my loan in any way. Moreover, it has the wrong address listed for mailing important mortgage-related documents, meaning that sensitive information about my loan is being mailed to an address that the company has no authorization in which to mail said documents. 

I have attempted to work with Specialized Loan Services on three separate occasions, since learning of this issue. This encompasses two phone calls and an email to their customer service. All attempts at resolution were met with a runaround approach. Complaints were  escalated to other departments with no follow through, or just no response. Their customer service prompt to even begin speaking with a rep is in excess of 4 minutes of options and dialing in that ultimately result in requests for callbacks that can go in excess of hours or days to return. Once a representative is on the phone, there are no extensions in which to call back or check on requests. This makes it unreasonably burdensome to continue a fruitful conversation with SLS, and is telling of their inability to appropriately manage their accounts. 

Right now my loan is technically in the hands of a person that is not the actual loan holder, and my sensitive mail is going to an address not mine. I am extremely distressed by the damage this can wrought. I am requesting immediate assistance from CFPB in working with XXXX XXXX and Specialized Loan Services to  coordinate what went wrong and how it can be resolved immediately and with no additional interruption to my life than has already been. 

I am also requesting a regulatory investigation by CFPB to determine what laws, regulations, or otherwise good faith practices have been neglected or broken by SLS in the servicing of this loan.

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 2023-03-28
Company: First Technology Federal Credit Union
State: WA
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:
On XX/XX/XXXX, Ive received an email from First Tech Federal Credit Union regarding changes to an account. Therefore, Ive replied same day stating this was an error and fraud, never did I open an account with the company. I called a day or couple days later, and spoke to a representative. She ensured that the account ( s ) will be placed on hold for further investigation. A week later, Ive received a fraudulent claim form to fill out from the bank, which was filled out and sent back to the forwarding address. On XX/XX/XXXX, Ive received a statement from the bank statement which included account bank, which led me to believe the bank proceeded with active account. On XX/XX/XXXX, Ive received a Special Adverse Action Notice which indicated Deposits/Savings were terminated/closed/suspended/other and reason to termination was CHARGE OFF. In XX/XX/XXXX, Ive called the customer service line and spoke to a representative who ensured that all accounts were closed and there were no further worries. On XX/XX/XXXX, Ive received a debt collection letter from XXXX XXXX XXXX, XXXX regarding a {$500.00} debt I owe, which stated as of XX/XX/XXXX. 

Please note, there was a police report regarding this case on XX/XX/XXXX. See attachment.

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 2015-09-18
Company: ACCESS GROUP INC.
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have recently returned to graduate school. The lender of my private loans, Access Group, has a policy that prevents me from deferring my private loans while in school. The policy is that after 30 months of being out of school I can not defer these payments in the same manner as a student returning within this period. I would like the same treatment as a student returning to school within this period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: National Credit Systems,Inc.
State: TN
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 signed as a guarantor on a lease for my son XXXX XXXX on XXXX XXXX XXXX on a 1 year lease. On XXXX XXXX, XXXX my son signed a new lease on his own, which is the last lease. He signed XXXX prior to that. Once he signed a new lease on his own, I was no longer responsible. This was sent to collection, National Credit systems and they are now saying I owe them. In XXXX XXXX, I commenced to dispute this account and the dispute ended on XXXX XXXX, XXXX, they are still reporting this account as being in dispute and XXXX XXXX XXXX XXXX XXXX is verifying falsely that this account is still in dispute to prolong and stop me from moving forward in closing a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Stewart Information Services
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My title company, Stewart Title, came back to me 30 days or so after settlement and said that my deed had been rejected from the county because of insufficient funds for taxes. The title guy tells me I have to pay the amount ( {$710.00} ) or the deed will not be processed. Basically they screwed up my HUD 1 cost sheet, and now I owe more money than I initially planned for. They are not offering any discount or even apology. What is my responsibility? Do I have to pay? Is n't the title company responsible for " getting it right '' at settlement? Is n't that why I pay them the title fee?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX 2016, I received a letter in the mail from law firm Kimball , Tirey & St. John LLP stating they were collecting a debt on behalf of another company. On XXXX XXXX 2016 I mailed a letter to the law firm requesting debt validation. However, on XXXX XXXX, 2016 the law firm already reported the alleged debt to all of the major credit reporting agencies before I had the chance to respond to their letter and request debt validation. According to federal law, 15 U.S. code 1692 ( g ) ( b ) it specifically states that a collection agency can not report a debt to the CRA 's until the debt has been validated. It also states that a debtor has 30 days from notification to request validation of the debt and the collection agency has to send proof that the debt is indeed valid. The law firm purposely disregarded my request for validation and purposely broke this statute that protects consumers and this is a direct violation under the FCRA which is punishable to a tangible extent under this law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital One Auto Finance calls me multiple times a day even though I pay my bill on the same date every month which is the XXXX of every month. They call me from different phone numbers stating that my bill is due and/or late which is inaccurate because I have auto-pay set up with my bank and it comes out of my check automatically the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I have completed successfully XXXX trial loan modifications with Wells Fargo/ASC on loan number XXXX an Investment property. 
We also completed XXXX trial payments on another Separate Wells Fargo loan number XXXX. Wells Fargo said they would not modify these loans if the liens were not addressed. 
These liens which the Wells Fargo Home Preservation specialists provided us with were cleared. 
In XXXX 2015 Wells Fargo modified loan number XXXX, but they have refused to modify this loan number XXXX. They want us to pay off the second lienholder or have them subordinate the lien. 
The second lienholder has modified their loan twice but Wells Fargo said they will not modify the loan. Our even speak to the Second lienholder who agreed to work with me if Wells Fargo contacts them. I have no single point of contact at Wells Fargo, I keep getting letters but when I call in to Wells Fargo I am transferred from person to persons who keeps telling me to send in documents or call back when I get my second lienholder to subordinate the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from DIVERSIFIED CONSULTANTS. I had previously disputed this account. I have never done business with DIVERSIFIED CONSULTANTS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DIVERSIFIED CONSULTANTS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DIVERSIFIED CONSULTANTS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Capital One Auto Finance continues to take up to 3 months or 60 days plus to report my on time payments to all XXXX Bureaus. For example my on time Patment for XXXX XXXX 2015 was reported on XXXX XXXX TH 2015 this is wrong and hurts my XXXX scores. XXXX 's and XXXX still has not been reported as paid either. It should ( not ) take them 80 days. This is not ( accurate ) reporting. If your late/ pastdue they report you immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One is listing XXXX 30 day late pays from XX/XX/XXXX on my credit reports that were due to my bank account being compromised during the XXXX hack that started in XX/XX/XXXX and went to XX/XX/XXXX. This XXXX hack affected my bank debit XXXX card, which the turn of events led to having to close and reopen an account, re-do and re-setup all payments, temporarily have no access to my cash, and created an affect where i fell behind on payments, due to NO fault of my own. AGAIN, This is NOT an issue of not paying, this is an issue of being unable to pay due to a fraudulent hack of banking info! I have been trying to clear this up, and explain the situation, and how per the law, i am not responsible when it is caused by a hack or identity theft. Every other creditor has been more than courteous and helpful in cleaning up this mess, yet Capital One still reports these XXXX 30 day lates even though it was not cause by me. I originally filed a theft affidavit and did everything i was supposed to do regarding this data breach, and yet i get no resolution from Capital One. I would please like Capital One to finally update their records and remove these 30 day lates from my record due to this original breach that cause me to lose temporary access to my account and money and fall behind temporarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
i had filed a debit card dispute regarding a charge of an extra {$250.00} that i was charged from a hotel that i stayed at, they had given me a provisional credit and then a few weeks later sent a letter to me saying the credit was final. A few weeks after that they sent a letter to me that looked a third grader wrote it, stating they were taking the money back and gave a blank date on when the funds were going to be removed. i tried to discuss this with them but only got offshore customer service which was no help. I would like them to honor their word and give the credit back

Company response to consumer: Closed with explanation