BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-06
Company: Diversified Consultants, Inc.
State: GA
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:
When I vacated a temporary corporate apartment in XXXX XXXX, I closed an XXXX account. I still had XXXX active accounts with XXXX XXXX XXXX and they also had authorization to debit my checking acct for payments and my forwarding address, phone and email information as well. XXXX XXXX XXXX did not debit my acct for the final payment, but rather, mailed a bill to the vacated address instead of the forwarding address they had on file. As a result, I never received the bill. XXXX XXXX XXXX failed to use reasonable means to notify me of the outstanding balance. It is my understanding that they then sold the outstanding balance as a " collection account '' to Diversified Consultants ( DC ). DC failed to use reasonable means to contact me at my current address or phone as well before reporting a collection acct to the credit bureaus ( including XXXX, possibly others ). 
When XXXX notified me of the collection acct, I contacted XXXX XXXX XXXX and paid the balance immediately, on XXXX/XXXX/XXXX. The XXXX XXXX XXXX rep stated that she had located the closed acct easily because it was linked to my current acct, confirmation that they had current contact information that they failed to utilize. The rep acknowledged the error but stated that only DC could remove the collection from my credit report. 
On XXXX/XXXX/XXXX, I spoke with XXXX XXXX at DC, who stated that if XXXX XXXX XXXX authorized them to remove the acct from my credit report, they would do so. On the same date, I spoke with XXXX at XXXX XXXX XXXX ( employee # XXXX ) who said their Accounts Receivable Dept had confirmed that they would notify DC to remove the collection acct from my credit report. She stated twice that the acct would be removed ; not just show a {$0.00} balance. I then called DC back and employee XXXX XXXX assured me that they would remove the collection acct as soon as they received the notification from XXXX XXXX XXXX. 
On XXXX/XXXX/XXXX, I contacted XXXX XXXX XXXX again and employee XXXX stated that she had other customers to help and would not help me as XXXX XXXX XXXX no longer had authority over the acct once it was sold to DC. I contacted DC again and employee XXXX XXXX stated that they would not remove collection accts from credit reports regardless of the circumstances. 
XXXX XXXX XXXX and Diversified Consultants have violated the FDCPA and FCRA by failing to use reasonable means to notify me of the outstanding balance and reporting the balance as a collection acct on my credit report, and refusing to correct the error once it was identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Continental Finance Company, LLC
State: IL
Product: Credit card
Issue: Other

Complaint:
Out of the blue I started getting several call a day from XXXX. When I answer the phone nobody says anything at all. I used XXXX to find out who the number belongs to and it says Continental Card services. I 'm on the do n't not call registry but this place will not stop calling. I 'm really getting angry, this has to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Clear Debt Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
A gentleman by the name of XXXX XXXX called me at my place of employment. I told him it was not a good time and to remove the number. About 10 minutes later, my cell phone rang and I asked for an address to send them a letter requesting verification and was told no. A few minutes after that, I received another call saying he was told by his compliance officer that he had to do what I was requesting. I requested no more calls and had gotten nothing until XXXX/XXXX/2016. I received a robo-call while driving. I called back and said I did not want them anymore and the man who answered got irate with me and I told me they would continue doing it until they got what they wanted and I could not make request of them. I hung up. He called back immediately and left me a nasty voicemail. I have verbally requested to know what this debt is, no more calls and robo-calls and all I get is threats to sue me and send people to my place of employment, which they leads their calls with ... " Hi, you work for ____ and we will come there. '' It is extremely unprofessional and in violation because they do not want to respect what I say.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking account at USAA bank. Someone, a third-party criminal of some sort, wired in {$4000.00} and withdrew the money in {$900.00} increments from an ATM in Florida. I have never been to Florida. The bank made me aware of the fraud. Separately, I have {$1300.00} in an investment account to buy and sell stocks. I asked USAA bank to wire this money to a different bank, XXXX bank. The request was made Monday, XXXX XXXX in writing. USAA bank has thus far ignored my request, on the apparent grounds that my checking account is - {$4000.00} as a result of the fraudulent activity which is not my fault described above. The bank has also frozen me out of my own accounts online, and not given me any information about them. Their excuse is my accounts are " under review '', a phrase that has no meaning at all in banking

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When you think of danger and consumer XXXX - the CHAIRMAN OF USSA BANK AND ALL AND I MEAN ALL OF ITS PRODUCTS are not the top of the list, but the very top of the list. Federal Trade commission is still a little blind to this, I do not know if there is something going on under the table with this company cause I know thousands and thousands of people who have had similar issues like me. CEO XXXX my life, destroyed it, he lied and LAUIGHED VERY HARD over the phone telling me he enjoyed keeping and taking my money. All my bills paid on time, all insurance issues, I did reports and police reports and all. USAA BANK illegally closed bank account and kept money and they have not complied with the law and I can prove it this is XXXX of over 75 legal issues I have I want justice and regulators get on the ball with this company and fire CHAIRMAN, ceo XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX needs be put in jail for fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My account was paid in full in XX/XX/XXXX. In XXXX I received another bill stating that I owed them another XXXX as a minimum charge I asked what it was for they said it was written in the contract that they could charge this. I told them to cancel my card right then and there. which they did. Ok. so we are now into XXXX I get another bill from them stating that I owed them XXXX. XXXXfor the previous balance and XXXX for fees. Well I did consent to pay this just to get rid of them. But I got another bill in the mail today That is for XX/XX/XXXX Which states that I owe them another XXXX. They charged me another XXXX for a late fee and another XXXX for a minimum charge. This is down right XXXX and I am not going to give them another cent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2016, CCB/PPC ( Comenity Captial Bank / PayPal Credit ) - pay pal credit opened an account, it was found to be fraudulent and closed. However, they told me the hard credit pull would be removed from my credit report 2 months ago and it still is not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My information was compromised due to the Equifax negligence. I contacted Equifax about this information. Equifax has granted the TrustedID program and waiving the freeze fee by Equifax. However, there are other agencies where my information is at risk due to what Equifax has done. I have to put a freeze on my account with those agencies as well. Those freezes cost money. Equifax should cover the fees of putting these freezes on my account with other agencies because without the negligence from Equifax I would not have to put these freezes on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX XXXX I disputed information on my XXXX Credit report that did not belong to me. There were XXXX adverse accounts from California Business Bureau that I was unfamiliar with. These accounts belonged to someone with a different address, last name, and social security number. On XXXX XXXX XXXX I received a mail correspondence from XXXX, report number XXXX ( attached ) finding in my favor and that all XXXX negative items were deleted from my credit report immediately. On XXXX XXXX XXXX I logged in to my XXXX credit tracker account and notice that all of the previous adverse accounts removed from my credit report 21 months ago had been reinserted with no notice of investigation or certification of accuracy of information. as required by the Fair Credit Reporting Act. I filed the appropriate dispute with XXXX on XXXX XXXX to get these items removed. I received a response from XXXX on XXXX XXXX Report Number XXXX in which they decided to delete XXXX of the XXXX accounts which are all the same accounts from the same alleged debtor, California Business Bureau that had all been deleted 21 months ago. There is no reason to not delete all of these account I have proven that they are not mine. They are exactly the same name and dollar amount as the ones deleted 18 months ago. My complaint is that XXXX has failed to follow the laws of the Fair Credit Reporting Act by not giving me proper notification of investigation, or certifying the information that was previously deleted by them 18 months prior.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a claim with my HomeOwners Insurance in XX/XX/XXXX. They denied my claim and dropped me. So in order to get new homeowners Insurance I had to fix what needed to be fix out of my own pocket because my previous HomeOwners Insurance company dropped me and denied my claim. So I sued. I got my settlement check in XX/XX/XXXX and it was written to me and my Mortgage Company.  The Mortgage company decided to treat this like a claim and they are holding my money. Its not a claim its a settlement check from my old Homeowners Insurance Company and that was filed through the court system. I have waited all this time to get my money back for work that my HomeOwners insurance should have taken care of and now my mortgage company wont release my funds. They are turning a settlement into a claim. They wont release my funds and give me my money back. I have given them all the legal documents from the courts and they still refuse to return my money to me. I am in the process of a loan modification which I have paid on time with no issues. RushMore Loan only tries to make the consumer look bad yes, I was late on my mortgage and due for XX/XX/XXXX, and yes I am on a loan Modification which will be coming to an end XX/XX/XXXX. So why are my funds being monitored on a claim I filed with my Homeowners Insurance in XX/XX/XXXX. And why is this being treated like a claim when I never filed a claim with my Mortgage Company. They have no legal document of me filing a claim in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The bank/credit card is XXXX XXXX. They perpetrate all of the items you list as " most describes your issue '', I have moved and filled out the section on the bill of X/X/17 as per they 're instructions to change my address subsequent to this I have now moved and am being harassed for payment. On XX/XX/XXXX I paid my bill ( {$22.00} ) and now realize I have not received a new one. I answered a call just a couple of days ago and told them my new address and the woman said it has been changed, I asked for a copy of the recording because I did not hang up until that was said. I just now, before XXXX received another collection call and told them I changed the address get me a bill. 

What I want is these people and others like them to be made to do their jobs and not have the ability to just start harassing people especially when it is their own incompetence causing the problem. I followed their instructions, they did n't do their job and I am being harassed. someone should loose there job and I should be able to sue the individuals responsible and the company! that would make them do what they were supposed to do. 

This is the second time Citi has caused me a problem and that should not be tolerated. A individual like me ca n't do anything, but you should go after these people!!!!!!!

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 2016-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
About a couple of weeks ago I received a phone call from a collection company from XXXX. The lady was very nasty requiring a payment to settle a collection account. I ended the call, but I was curious about why someone called me to settle an account. I went to XXXX to investigate where the call came from and it is from XXXX XXXX XXXX from XXXX, NM. My concern is that she is part of stealing my identity. Then immediately I went to XXXX to verify my credit information. Sure enough, I found to credit cards that someone else opened using my information. I have no knowledge on either XXXX of these accounts. I called Capital One Bank and XXXX XXXX and one ca n't find an account under my name and the other one did not help me at all. The purpose of this complain is to clear my credit from both of these accounts. I am submitting an individual complaint to solve each of the fraudulent accounts from Capital One Bank and XXXX XXXX XXXX. I am a XXXX veteran and this is aggravating my mental and emotional well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: CITIBANK, N.A.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX did my Hard credit check without my Authorization.I didnt gave any authorization either orally or written to do my credit check.

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 2015-05-24
Company: Ocwen Financial Corporation
State: NV
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ocwen has not responded to our request to validate our debt. Specifically, our mortgage was bundled in with several fraudulent activities including, Robo signing, improper disclosure of interest rate calculations prior to closing, illegal handling and reporting of escrow account payments and credits, and improper crediting of payments under federal modification agreements. 

All amounts said to be calculated or previously owed have not been accurately reviewed or proven to be correct. 

A request was made in writing disputing the validity of the debts, calculations or interest, subject to federal and settlements and legal proof to continue to be able to report all facts represented in the consumer credit report. 

This request was certified return receipt and has yet to be answered with any proof or mere correspondence, but continues to be an adverse action on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Duncan Solutions, lnc.
State: GA
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:
XXXX XXXX claimed they had a parking ticket for XXXX of my trucks. I wrote letters to the collection agency that contacted me and the City of XXXX. I expressly told this collection agency NEVER to contact me again. The City of XXXX gave me a court date. The ticket could not be found in the system and they dismissed any so called tickets. 2 days later the collection agency sent me a letter claiming I need to pay the ticket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I applied for a new credit card from a bank that was linked to an airline. The ad on the airline website offered a bonus of XXXX reward miles, but the bank switched and issued a card with lesser benefits, only XXXX points and a {$200.00} credit on a statement. I was not aware of this other plan at the time I applied. I did not realize the switch until after I had met the requirement of purchases within the first 3 months and was waiting for the XXXX points to show up on my account. When I checked with XXXX the airline and the bank, I was told by the airline that the bank handled the issuing of the credit card, and was told by the bank that the benefits I received were for the credit card they issued. I also checked with a local branch of the bank and after much communication between a bank rep and their home office I was again told the benefits I received were for the card they issued. In all cases they sidestepped the fact that the card issued was switched from what I applied for. I have copies of emails that I received from the bank referring to the XXXX points " reward '', but nothing referring to the lesser reward. In all of my contacts with the bank they completely ignore the fact about switching me to a different plan with no notification. I 'm XXXX XXXX XXXX, of sound mind and body and am now wondering if their responses are due to my age or if this is their standard operating procedures. All I 'm asking for is reversing the {$200.00} credit and give me the additional XXXX points that I expected and the ad promised. I still get emails from the airline suggesting that this plan is still available, and also on the airline website it 's still available. I did not need another credit card in the first place and the only reason I applied was to receive the XXXX bonus reward points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: CITYWORTH MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The XXXX got a contract on their house XXXX XXXX, 2016. In the contract it indicated closing would be XXXX XXXX, 2016. No one heard any different until the day before, XXXX XXXX, 2016, when their buyers were told there would not be a closing on that date. The XXXX, their XXXX XXXX and myself had packed everything up, with the XXXX 's and the XXXX loaded in moving trucks to proceed with their moves on the XXXX. The next date they were given was XXXX XXXX, 2016, which did not happen, then XXXX XXXX, 2016, and now we are being told maybe XXXX XXXX, 2016. As a result all XXXX families involved including children have had to make other living arrangements, have incurred additional cost of hotels, meals, time away from their families and bills from the move that ca n't be payed until these houses are closed on. When contacting XXXX Mortgage XXXX XXXX XXXX and his supervisor XXXX XXXX XXXX the only explanation is they have been busy. When dealing with families lives in such a big way they have no regard for all the inconvenience they have caused due to their lack of imcompetence, in handling multiple loan applications. The fact that they did not communicate the delay in the first closing date until the day before is unacceptable. We have all suffered financially and continue to do so because of their imcompetence. I would be happy to hear from someone who can shed some light on this situation and bring reimbursement for the losses. XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Account : XXXX is a fraudulent account and has been disputed with both the creditor, The collection agency representing the account, and the XXXX major credit bureaus. I have provided proof of identity theft report filed by local law enforcement agency to all entities mentioned. The collection agency XXXX XXXX has since remove the collection account however, the creditor itemized account in association with this collection is still listed as a " charge off '' with equifax. I have disputed this item with the credit bureau Equifax and was advise that they were able to verify the information as accurate with the Grantor XXXX. I have contacted XXXX directly regarding this issue and was advised that the account does not exist in their database system and was referred back to the collection agency to handle this dispute. After speaking with XXXX XXXX today, I was told that they have do n't their due diligence and they only control reporting issues generated on their end. Needless to say, the item is still listed on my report by XXXX and I am disputing it once more.

Company response to consumer: Closed with explanation