BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: PLS GROUP, INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased a {$850.00} money order from PLS on the XXXX of XX/XX/2023 around XXXX. 
When I got home, I couldn't find the money order but I found the receipt and change given to me, I went back immediately because they are close to me. 
I lodged my complaints and I was asked to pay {$15.00} for money order stop payment/refund request form which I did, and they made photo copies the form, my ID, receipts of the money order and refund request form. 
They requested for the money order stub which obviously I could not present because the money order was missing. 
The money order number was on the receipt and they were able to check and verified that the money was not cashed ( which I think was good news. ) PLS still refused to refund me except I produce the stub. 
I begged and appealed to them to temper justice with Mercy but all to no avail. 
That money was for my XXXX rent and well wishers actually contributed the money to me because I have been home for a while due to XXXX XXXX XXXX. 
All these explanations fell on PLS deaf ears. 
I am struggling to make ends meet and to loose {$850.00} at this time is disheartening. Please sirs/Mas, I rely on you for a quick recovery. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Problems with account I have recently resubmitted a payment that I made before. 

I had been in contact with a XXXX XXXX, but she will not be back until the XXXX of XXXX and I also don't know that she is in management and able to handle my request. 

Below our attached the proof of payment, and it was sent overnight. 

The payment was sent over a month ago the FIRST time, and the post office confirmed that it was received to the post office box address. ( It was sent priority mail with tracking. ) But, the company denies receiving it. 

I had to pay extra fees to resolve this situation, including express mail to send to you, as well as the price for a money order to be reissued. 

I have maintained receipts of all of the added expenses because of my The company 's losing the payment that I sent in. 

Attached are the proofs of payment FOR BOTH THE FIRST AND THE SECOND PAYMENT, as well as the price for a money order Trace to be refunded for the check that the company lost.

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 monetary relief
Consumer complaint received 2023-08-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
During the month of XX/XX/XXXX, I opened a Citi Diamond Preferred Account. Due to an introductory rate of XXXX XXXX for balance transfers that expires XX/XX/XXXX, I opted to pay off XXXX credit cards. A balance transfer request for XXXX XXXX XXXX was made on XX/XX/XXXX. I completed the balance transfer online and paid a balance transfer fee. I received an email on XX/XX/XXXX the balance transfer was successfully sent. I followed up with XXXX XXXX XXXX to confirm if funds were received and they confirmed no. When I contacted Citi during the month of XXXX, I was advised I entered the wrong account number and a claim would be open. I did request to complete a XXXX way call with XXXX XXXX, but I was informed additional research will need to be completed first. No follow up was received. I followed up with Citi during the month of XXXX and was told a request to XXXX XXXX regarding the balance transfer request. I continued to check my XXXX XXXX and it still showed a balance of XXXX. On XX/XX/XXXX I contacted Citi and requested to speak to a supervisor. The supervisor advised an internal team will work on my request and multiple attempts were made and XXXX did not respond. I inquired again about doing a XXXX way call with XXXX. I was once again told to call immediately after call to give them authorization to speak to Citi. On XX/XX/XXXX, I received notice via mail that my dispute is open and citi is processing my investigation. My purpose for writing the CFPB is a request to get this situation resolved.

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 2023-08-10
Company: Affirm Holdings, Inc
State: GA
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Data Mortgage Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX to Essex mortgage a month after I purchased my home. Essex mortgage has the incorrect amount balance as I already paid my first months payment. I have attempted to email and call - no one answers emails or follow up emails and Essexs phone system says that due to their new system they are too busy to accept calls and consumers should call back later. Not only is my balance incorrect and a few cents more than what it originally was listed as, the company wont acknowledge my payments or my contact to attempt to correct the errors in their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened up a checking account with Truist for a {$400.00} offer if I met certain terms. The terms were to deposit {$50.00} when opened account online : I did that. The other terms were to complete 2 direct deposits totaling {$1000.00} or more. I set up direct deposit and deposited {$500.00} each pay period. When I checked, it said the offer never applied. I opened a complaint with Truist and they told me their promotions team would open a research request. I member of the team called me and told me that I do in fact qualify and have met the terms but that the promotions team has a major backlog of items to go through. I was told 25 business days for a resolution. Those 25 days ended XX/XX/2023. I reached out again and was told it would be an additional 25 business days to research why the promotion didnt apply, even though it was confirmed by their team member that I have met all qualifications. They are asking me to keep the account funded with the money until they can get around to the request. Which is an additional 25 days. This is misleading and the fact that they have a major backlog means that they have done this to several other people. I see ads for them promoting new offers and they should not be advertising something they do not intend to deliver to their customers.

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 monetary relief
Consumer complaint received 2023-08-10
Company: Carvana Group, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from Carvana LLC has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Comerica
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
All my XXXX benefit funds go to the Comerica bank card issued by Direct Express. I lost my card and requested a new card on XX/XX/XXXX. They claim DE issued a replacement card on XX/XX/XXXX, which should have arrived no later that XXXX calendar days from XXXX XXXX. It is XX/XX/2023 and I do not have a card, so I have no money at all. 

I called on XXXX XXXX and asked for help transferring money from Comerica to my local bank, where I recently opened a checking account. I tried using their phone system, but I found it very difficult to navigate to get money transferred. It says on their web site it is easy to transfer funds. I would counter that is almost impossible to do any kind of transaction other than checking your balance with Direct Express by phone or online.

Since Social Security 's website directed me to Direct Express, I was expecting a competent and honest company. That is not what my experience has been. I will be cutting off my use of their services, but I think with all the class action lawsuits against Comerica and Direct Express, it is high time CFPB intervenes and at least warns folks without a credit union or bank account to find another method of receiving funds from federal agencies, especially the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Lock account without prior notice and lying to customer!!! 

Following up with previous complaints. 

The bank replied and said on XX/XX/XXXX they will close my account and transfer my money, but didn't receive my call backs on XX/XX/XXXX and XX/XX/XXXX so they can not proceed. However, this is not the truth. 

The bank is lying. I did receive emails regarding calling back to the bank, and I called back. 
On XX/XX/XXXX, someone claimed to be a supervisor refused to close my account and denied the fact that I have requested to change my address in my previous calls. However, on XX/XX/XXXX, I have requested to send XXXX to my new address. I told her I reached an agreement with the bank to close my account on XX/XX/XXXX, and I even agreed to the verbal statements of closing account. But she still rejected the facts. 

XX/XX/XXXX, I called again, a XXXX in fraud department answered my call. XXXX refused to tell me anything regarding my account ( including when will the XXXX be sent out ) and also rejected to look into my issue. I made zero progress in this call too. 

The bank is not resolving my issue as they said!!! I did call back but none of the people answered the phone proceeded to close my account, which is in the contrary to their replies. They are lying. I've attached my records of calling the bank on XX/XX/XXXX and XX/XX/XXXX. 

I'm asking for a {$1000.00} compensation for the total XXXX hours I'm wasting on phone calls, my financial loss, and my mental suffering during the previous two months dealing with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX disputes since XX/XX/2023, XXXX written letter to my credit card company, and XXXX calls to my credit card company later. Still no success. 

I paid off my balance in full in XXXX of this year. My balance is {$0.00} and my credit limit increased by $ XXXX. No updates have been sent to any credit reporting agencies on this particular credit card since XXXX of this year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I disputed a report in XXXX XXXX  that XXXX, XXXX, and XXXX said that we had 2 accounts with Bank of America and that one of them had an overdue balance amount of {$6800.00} dollars. I received a letter from XXXX that said that they had " verified that this item belongs to you. '' Both of these accounts have been " closed by credit grantor ''. 
I have never had a credit card with Bank of America. I did try to contact Bank of America Fraud Department but their automated system wants your account number to get started. Since I don't have an account I can not give them a number. I also called the number for Bank of America in XXXX XXXX, Texas that XXXX provided in their report on XX/XX/XXXX and I get the same automated system that wants an account number to get started. 
I keep getting phone calls from Bank of America saying I need to pay them. 
This experience has greatly lowered my credit score.

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 2023-08-10
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to work with AmSheer XXXX XXXX for 3 months now. Phone calls where made to AmSheer multiple times to acquire a debt verification letter they would advise me that they where waiting on XXXX XXXX for information after a month and half I called again and spoke to supervisor asking where this verification was? He states you should have submitted a document which the XXXX to 4 times I had called before was never mentioned to me once. I spoke to there supervisor XXXX who was extremely rude and would make remarks that its not his concern that I did not know how to validate debt or would explain to me how to do so. When asking him how to do it he said thats not his job. 

During this time I had reached out to XXXX  who also confirmed I had no debt with them. They ran my social security number thru there system and confirmed I had no debt or any account with them. 

After leaving a review on XXXX XXXX XXXX contacted me in regards to the review and how he can assist again after a month of waiting and persisting for a debt verification letter finally XXXX was provided a month after initially asking. 

After reading the letter which they gave me which I have provided to you. It clearly shows on the statements they provided the debt is not mine. But they are still trying to collect on this debt. 

I called again today and they told me that I did not need to sign anything for XXXX to have my consent to make me responsible for this account. So now they are spreading false information as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Exeter Finance Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XXXX and XXXX of XX/XX/XXXX XXXX auto loans was open in my name without my consent. I filed police report and FTC REPORT ( see exhibits attached ). I WAS ABLE TO REMOVE OFF MY XXXX AND XXXX, BUT I HAVE NOT BE ABLE TO REMOVE OFF XXXX. BOTH COMPANIES ARE LOCATED IN TEXAS, EXETER XXXX AND XXXX. ALTHOUGH, COMPANY NAMING EXETER FINANCE LLC. I HAVE SPOKEN WITH THEM ON SEVERAL OCCASIONS SENT, IN POLICE REPORT, FTC REPORT, PROOF OF IDENTITY AND A VALID CLAIM OF IDENTITY THEFT, NOW THIS XXXX A ... COMPANY STATED THEY HAVE DONE AN INVESTIGATION AND DETERMINED THAT THE ACCOUNT IS VALID, XXXX AS WELL HAS STATED THE SAME THING. NOW WITH MULTIPLE INVESTIGATION DONE HOW DOES THIS ACCOUNT BELONGS TO ME. SO I SENT A LETTER DATED XX/XX/XXXX REQUESTING PROOF OF HOW THE INVESTIGATION WAS DONE AS IDENTITY SECTION 603-15 U S.C 1681a ( e ) or page 3 of the short title. Guess what no XXXX reply back so I file this claim seeking damages for violating this act because I'm not going back and forth with that company and it's XXXX XXXXXXXX employees yes that right I said it so here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection in my credit report from XXXX amount of {$650.00}. I am a victim of identity theft, someone else used my info at XXXXXXXX XXXX I was not even in the country. Police will not care the amount to low and old. Please help

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 2023-08-10
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by a third party debt collector about a debt I do not have with them. I have sent cease and desist letters numerous times and they have violated my rights. There is an open account on my credit profile with this company. I have requested information on this matter asking for dates of when I opened an account in which I have not received any information at all. According to 15 U.S.C 1681 Section 604 A Section 2, It states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate in which this information is completely inaccurate. Please remove this from my report immediately. I do not owe nor have I ever done a transaction with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a XXXX holder for over 10 years. I am attempting to inquire about the benefits on my card. I have XXXX Capital One XXXX XXXX XXXXXXXX  and I contacted XXXX to verify my benefits before I travel out of the Country. Capital one provided me with a Guide to Benefits. 

This Guide to Benefits contains detailed information about insurance and retail protection services you can access as a preferred cardholder. This Guide supersedes any guide or program description you may have received earlier. 

After contacting XXXX, they are saying my XXXX XXXX XXXXXXXX has no benefits at all, and all customer service reps ( XXXX ) whom I have spoken with over the last XXXX weeks are saying this is unheard of and very unusual. 

I have spoken with XXXX Supervisors and a Supervisors Supervisor, who claim to have escalated my concerns to XXXX It has been XXXX weeks, and still no response from XXXX. I call everyday to XXXX a manager who has escalated my case, at XXXX. XXXX keeps telling me they are still waiting to hear back from XXXX Execs. 

I travel out the country in XXXX  days, and I need a letter from XXXX verifying my rental car coverage as well as my trip cancellation coverage. I need to know that I actually have all the benefits that are promised to me as a XXXX XXXX Card holder. 

I have spent numerous hours trying to get a normal verification of benefits letter from XXXX, yet no one can help me or no one can explain why my XXXX XXXX cards ( XXXX ) dont have the benefits outlined by Capital one and my XXXX XXXX XXXX benefits guide. XXXX XXXX XXXX Please do not let XXXX get away with promising benefits to customers to open accounts, but not standing by their agreements and benefits when a customer tries to use them. THESE ARE DECEPTIVE FINANCIAL PRACTICES ON BEHALF OF XXXX. PLEASE HELP THE CONSUMER!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Shellpoint Partners, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My former mortgage company transferred my mortgage to Shellpoint in XXXX, told me in XXXX. XXXX XXXX applied a grant for {$7000.00} from approved grant from XXXX to XX/XX/XXXX. In XX/XX/XXXX referred me to foreclosure and I filled at least XXXX complaints with the Consumer Financial Protection Bureau for not accepting the ILHAF payment and trying to get my home foreclosed fast. Now my New Mortgage Company, XXXX XXXX, says I owe {$2800.00} for legal fees, maintenance fees and property inspection for XXXX  months in a row from XXXX XXXX. These charges were not on my statement XX/XX/XXXX and now they are from XXXX. Fraudulent charges that should not be there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had a loan with us auto sales and of course we all know they went out of business and transferred our information over to westlake. I was making payment to westlake until I noticed that my payment looked like I haven't even been paying on it and then I checked the loan term months with us auto sales that I had and it was only 65 months and then I check westlake and it's says that it's for 140 term months. Westlake is constantly blowing my phone up for payments. I checked their website and it's says a debt collecting company but when you XXXX westlake it says finance company. Which is it? I asked for my contract with them and I never received one 4 months now. This was my first car I purchased alone and I had no help, to be treated like this is crazy. I just want my title that's it, so I can wash my hands with this company. I think we all deserve our title and westlake and us auto sales can crawl out of a hole that they dug themselves not the customer and them. All the money I pay is going to interest, maybe that's why they make us pay twice a month and if it's 3 pay period in one month, guess what they make us pay all three times.

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