BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was XXXX for half the month and there was a hole in my wallet come find out later and I know that y atm debit was in there too not even thinking but not memorizing it as it was a newer pin. I believe I lost it somewhere around the home possibly taking y dog for a walk. I used to carry a check book in my bank account and that most likely could of fell anywereas I do find it everywhere. I have not been able to drive a truck in a month because it is broken and I dont have the money to fix it. this banking manager said three days it would be on my account. I WANT MY MONEY I DESERVE FROM GETTING INJURED IN THE MILITARY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03
Company: LTD Financial Services, L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Succinctly stated, my complaint is over a collection procedure problem I have with a company named LTD Financial ( hereinafter LTD ). This company sent me a letter about an alleged debt they purchased from a business with whom they ostensibly assume I owe money.

I received a letter from LTD to which I responded promptly in XXXX of this year. I am aware that under the Consumer Financial Protection Bureaus XXXX Debt Collection Practices Act ( hereinafter FDCPA ), I have certain rights so I completed the form provided in LTDs letter to me and mailed it certified to them at the address they provided on XX/XX/XXXX, XXXX, LTD Financial Services , LP, XXXX XXXX XXXX, XXXX, TX XXXX. Although LTD noted that this po box address be used in return of its form requesting information on the alleged debt, its physical address is listed as XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and a phone number listed as ( XXXX ) XXXX.My certified letter did not have a return receipt requested card attached to it ( see attachment ) as I did not pay for that service. I only wanted to have verification that my letter had been delivered via the tracking number. However, when checking the tracking number, the information incredulously posted showed that the letter was awaiting pickup by the addressee at a XXXX, Texas postal facility. Days later an update notation indicated that the letter was being returned to the sender but to this date I have not received my certified letter back. 

The FDCPA requires that I be given an opportunity to dispute the debt within 30 days in writingto request the name of the creditor, and verify the amount allegedly owed so that I can dispute it. I requested this information by way of my certified letter addressed to LTD at the address provided by them. LTD has not responded to my letter through refusing to accept it. 

As an XXXX XXXX XXXX senior, I have received unproven debt letters from collection agencies in the past and am confident that this is yet another such bogus debt. My practice in interacting with collection agencies on any unsubstantiated debt claim is to do so via mail so that I have a written record from that collection agency that can not be disputed and I never pay a collection agency but instead pay any verifiable debt to the business itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: General Motors Financial Company, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This is my second complaint about GMfinancial. I make extra payments each month and ask them to place the extra amount past my regular payment and they keep placing the extra money on the next months due and future payments. I specially am making extra payments to the principle so that I can pay my car off sooner because my income will drop. Please how can I get this resolves so that I do n't have to complain each month or call them each month and they still get it wrong. 
I need help. They just want to take the extra interest money from me monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Oxford Law, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Oxford Law Group LLC has been harrassing me and my family. I was contacted by Oxford Law Group by a man who identified himself as an officer, even gave a fake badge number. I was called a looser on the phone. They told me that if i did n't pay my debt on the phone immediatley that a warrant would be issued for my arrest. Prior to yesterday, i have recieved no contact from this agencey. They aslo called my dad and my sister, identifying themselves as police officers. They told my sister that if she did n't give them my address and phone number she would be charged with a crime. They also pressured my father to pay my debt over the phone to " keep me out of jail ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06
Company: HANCOCK WHITNEY BANK
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Between XXXX and XXXX this morning ( XXXX XXXX, 2017 ), this collector called me 15 times in a row. Many times, calls were overlapping other calls, filling up all of my auxiliary lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: R & B Corporation of Virginia
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CREDIT CONTROL MADE ME APAY AN INCORRECT AMOUNT THAT WAS OWED AND PUT IT ON MY CREDIT ALTHOUGH I PAID THIS OFF. I WAS BEING TOLD NUMEROUS OF TIMES THAT THIS XXXX WAS MY BALANCE OWED. I REPEATEDLY TOLD THEM THAT THIS WAS NOT WHAT I WAS OWED. TEY INSISTED. EVERYTIME THEY CALLED I DIDNT HAVE THE BILL BECAUSE I WAS AT WORK AND DIDNT HAVE TIME TO LOOK FOR IT BUT NOW ITS BEEN FOUDN AND AS YOU CAN SEE I WAS FORCED TO PAY AN INCORRECT AMOUNT AND THEY STILL PUT IN ON MY CREDIT AND MADE ME PAY THE INCORRECT AMOUNT IN FULL. I WANT MY MONEY BACK OWED AND THIS " COLLECTION '' TO BE REMOVED FROM MY CREDIT REPORTS ASAP OR I WILL TAKE FURTHER ACTIONS AND REPORT THEM TO THE XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: OPTUM BANK, INC.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I filed a complaint already that the Optum Financial was falsely filing charges against my account. After they received your notice they fixed the problem. Then I closed the account and twice theyve told me they would send me the amount in my account. And twice they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is in response to case XXXX. Navy Federal has defaulted by not rebutting my affidavit with an affidavit however I am giving you an opportunity to cure by giving me the previous remedy requested. I have attached my initial complaint with these requests for reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a judgment against me in XX/XX/XXXX with Chase Bank at XXXX County Courthouse in XXXX, FL. I paid their lawyer for almost a year and then stopped because I could no longer afford to. I received a XXXX ( Cancellation of Debt ) from the IRS for Chase Bank for the amount I owed them. I have paid the IRS since this XXXX showed that I had earned income for XX/XX/XXXX Tax Year. 
I have spoken with Chase Bank and they will not update my credit report, they only show it as charged off now. I feel they need to alert the court and the Credit Bureaus that this is satisfied or something. I can not be responsible for earned income and still owe them money. I have also contact IRS and they said to contact Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Kinum, Inc., Indianapolis, IN Branch
State: UT
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
He called me at my work. I told him I am not able to take these phone calls at work. 
I told him my work hours and he can call me on my cell phone, before or after those hours. 
He has now contacted me again, at my work, as well as calling my personal cell during my work hours he was provided with. 
He continues to be rude, and very ignorant about working with me, even after I ask set up payments with him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The information reported on my credit report is false and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am disputing account number XXXX with Portfolio Recovery Associates because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Portfolio Recovery Associate to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: SBG Financial
State: DE
Product: Other financial service
Sub-product: Check cashing
Issue: Customer service/Customer relations

Complaint:
XX/XX/2016 Saturday - Check cashing practice correction requested We received XXXX checks that today we tried unsuccessfully to cash at the United Check Cashing franchise addressed above. A cashier employee who identified herself as XXXX refused to cash my IRS refund check written XXXX Department of Treasury and my refund check from the XXXX XXXX XXXX Department XXXX XXXX. The cashier XXXX XXXX XXXX told us that she would not cash the checks because they were both presented to her more than 30 days since the issue dates. Issue dates XX/XX/2016 for the XXXX of Delaware check and XX/XX/2016 for the XXXX Treasury check. The state check indicates that it can be cashed for up to 6 months past issue date and the XXXX treasury check indicates XXXX year processing from issue date. 
I shared with XXXX that I am frustrated with what amounts to arbitrary check cashing experience at United Check Cashing. I have utilized various United Check Cashing services for more than 30 years in XXXX but nowhere has the experience been more unpredictable depending upon the cashier encountered for the transaction than this XXXX, Delaware, XXXX XXXX XXXX XXXX franchise. 
As XXXX told us that she would not cash my checks ; she directed my attention to a sign on the wall visible during exit from the establishment that reads in part, '' we do n't cash checks over 30 days. ' I reminded XXXX that the only IRS check that I have ever cashed unless it was direct deposit ; was more than 30 days past issue date, including here. 
United Check Cashing practice is harmful and provides for at will ; discrimination. As a XXXX person ; it was a struggle for me to enter the United Check Cashing establishment ; let alone enter with assistance and be denied service. The actions of United Check Cashing would have caused me to have to discard the checks XXXX money ) had it not been for the secondary fact ; that XXXX Bank cashed the checks readily and happily. When I contacted United Check Cashing to get the owner contact information ; XXXX in rude behavior practice ; hung up the phone which was on speaker phone on my end and open to myself and a family member present. 
Please remedy the actions taking place at this United Check Cashing franchise so that people who have limited options are not forced to throw away IRS or XXXX checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Real Time Group, Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
my name is  XXXX   XXXX  and I saw that real time solutioins was on my credit I have never gotten anything in the mail saying that I owed them so I looked into it it was a company check and go I had paid them in    2014  because I had a  XXXX  so I called all of the credit bureus and I told them to disputed them because I paid them I even went to the company and my name was not in the system any more so I called real time because they sent something to the credit bureus saying its was mine but I do n't they were very nasty arguing with me I even stated I will get a lawyer but I know I paid them and I was just trying to get them to listening to me but they would n't

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Sale of account

Complaint:
My BP credit card account changed servicers to Synchrony Bank ( SB ) in XXXX, XXXX, and a series of problems began with SB overhanging, adding unnecessary fees, etc. SB refused to resolve any of the issues, so I quit paying on the account, in XXXX, XXXX. SB only continued to add extra fees and changes, pushing the account over the credit limit of {$1000.00}, which continued month after month. I complained that these tactics by SB were in violation of consumer protection laws, such as the Indiana Deceptive Consumer Sales ACT ( DCSA ) ; which carries a civil penalty of over {$1000.00} per violation that a consumer can collect, plus legal fees and other costs, but was ignored. As I am over 60 years of age, the civil penalty under Indiana law is doubled. As there are numerous violations under the DCSA, the civil penalties that I could collect exceed any amount alleged to be owed SB. 

I am sure that there are also violations of Federal laws as well. I know that SB has been under several Consent Orders for misconduct by the CFPB, and by various state attorney generals, and ahs paid millions in fines. 

I also had another account with SB that was full of errors and problems, as SB had filed a lawsuit against me which had robo-signing, fake affidavits, etc. that an attorney discovered. SB was forced in XX/XX/XXXX to withdraw this lawsuit and judgment. SB still owes me money from that illegal lawsuit, which it has not paid. This unpaid amount would also more than offset the {$1000.00} that SB alleges is owed on this current account. 

With all of these problems, SB last month sold the account to a third party debt buyer-XXXX XXXX XXXX, XXXX for pennies on the dollar without adequate notice. SB failed to inform this debt buyer that the amount of the account is in dispute, and that SB has civil penalties from this account and the other account that more than offset any amount alleged to be owed. 

I will now have the same account reported TWICE on my credit report, and the amount of the alleged debt will be wrong. Hence, I will have a violation of the FCRA that is the result of SB hurriedly trying to sell the 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 non-monetary relief
Consumer complaint received 2016-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have an account at Capital One Bank and the last time I used my debit card was on XXXX/XXXX/2016 at a XXXX DVD Rental station. I could n't find my card and called the bank on XXXX/XXXX/2016 and reported it lost. I went online and saw that all my money was gone. The bank representative said they locked the account and cancelled the card. They transferred me to the fraud department which was closed and I had to call back the following morning. When I called back the next day, the fraud department transferred me to the claims department who said they processed a claim for all the transactions after XXXX/XXXX/2016 as fraudulent. They said the issue would be investigated and it can take from XXXX business days. I called everyday for an update and each time I was told that I need to wait until I am contacted. I was also told that my fraud investigators name is XXXX. I called back on XXXX/XXXX/2016 and the representative told me that my claim was denied due to multiple ATM withdrawals being done with a pin #. I asked for the transaction details as to where and if surveillance can be looked at because I did not make the withdrawals. I was told that they can not release that information to me and I should get a lawyer to subpoena the records. I went into a branch in XXXX XXXX, XXXX and the banker was very friendly and gave me an affidavit which I took to the police station to file a report. He also provided me with a print out of the transactions. I have not received a call from my investigator at all. In addition to the the ATM withdrawals there were funds being transferred in and out of the account, fraudulent checks and point of sale purchases made in XXXX XXXX and I reside in XXXX. Capital One did not properly investigate my issue. One of the accounts that the funds were moved into was also a closed account which makes no sense. Hopefully, someone can help me and investigate Capitals Ones procedures or process in following consumer laws! They can clearly see that the checks are fraudulent and the purchases are in another state. I googled the store # 's. Why did n't their systems pick this up? After I called on XX/XX/XXXX, they still honored fake checks and the signature is n't even mine. Someone at this bank messed up or they do n't have a good fraud detection process and they are unwilling to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
WFDS is reporting on my credit as a late payment, delinquent account. I would like this to be removed off of my credit report. It is impacting my score and future business endeavors that I see for myself. The credit report is false and It needs to be fixed now! They even sent me overpayment checks back to me! Why would they report on my credit as a negative account with late 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 non-monetary relief
Consumer complaint received 2015-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015 there is no date of last payment, there was not a payment made on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a notice from my ID protection service that a credit inquiry was made. My service indicated it was Chase bank and since I do business with Chase, assumed it was OK. XXXX weeks later as received an XXXX credit card with a XXXX limit. This card was never requested The card was sent to my home address. I called to report and Chase considered it fraud. I asked for documents used to authorize the request but was told that is " confidential '' A quick review of the complaint database indicates that this has been happening a lot. I would like to find the real facts on this breach. Is this an issue at XXXX or Chase? Is this another example of a bank employee opening accounts to win awards? It is frustrating that Chase will not take any responsibility to find the issue given the frequency this seems to be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: FIRST HOME MORTGAGE CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I bought my condo unit in XXXX, XXXX, making my first payment on XX/XX/XXXX. As a rule, I make all house payments one month in advance. That is why by the time I made the XX/XX/XXXX payment, I couldn't understand why I was receiving a notice that my XXXX, XXXX payment had not been made. I was to find out the Lender was not accepting my monthly mortgage checks due to a computer problem. I was told to stop payment on the XXXX thru XXXX, XXXX payments. XXXX XXXX, my Bank, checked everything out on my side and determined there were no problems. The computer problem was corrected in XXXX and I made a lump sump payment to cover the missing months. The problem is that, even though I had nothing to due to the problem, the Lender filed negative information against my credit report. They reported non payment of mortgage payments and " unknown information '' under 2 months. 
For the months from then to now I requested correction of all the negative information, but they refused stating, " I send them documentation showing payments were made in a timely manner and a copy of the unbridged credit report ''. They were given all this information when I paid the lump sum payment. The Qualified Written Request from XX/XX/XXXX was answered by saying they had already furnished an answer. I was told RESPA did not apply when I gave them the offending sections. 
On XX/XX/XXXX, XXXX called ( XXXX x XXXX ) and left a message stating all the credit problems and negative comments had been resolved and were no longer on my credit report. I accessed that information and noting had changed. I called XXXX and left a message that I needed the documentation to show my records were clear, but she never called back nor did I get the information. I am still in the same negative position I was in XXXX. I advised them that I bought a car in XXXX and I was turned down from 3 lenders and the interest rate I was forced to pay due to their malfeasance cause my monthly car payments to be exorbidant. 
I have spent untold hours of work trying to get this straightned out, but the Lender contimues to igorne me to my deteriment.

Company response to consumer: Closed with explanation