BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a XXXX veteran and have a checking account, XXXX investment accounts and XXXX vehicle insurance policies with USAA. 

I have been depositing the same weekly payroll check via the USAA mobile app into my USAA checking account, for the same amount and drawn on the same corporate bank for over 2 years without problem. My funds have immediately been available to me in the past. 

USAA has begun to " hold '' my checks for the entire deposited amount for 8 days before releasing and allowing access to my funds. Just yesterday I deposited a payroll check so that I could pay a car insurance premium and was stuck with a " hold '' on my check until next week. I had the same thing happen on a deposit XX/XX/2015. The hold is placed on the deposit for 8 days and then the funds are made available. 

I had been in the VA hospital and my auto insurance policy is about to be cancelled so I needed to pay it after depositing my check. Now thanks to USAA I will not be able to do that and after speaking with them there is nothing that can be done to reverse this " deposit '' so that I can cash my check somewhere else and conduct my business. 

USAA customer service and product policy has become very customer unfriendly to the point that I am cancelling all of my accounts ( auto, investment and checking ) with them. 

If you want reasonable and timely access to your hard earned money you should avoid this " bank '' and deposit it into a real bank that has a real branch near you. Meanwhile, I am stuck waiting for this smug " bank '' to release my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: Paypal Holdings, Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
was sent {$1600.00} on XX/XX/XXXX for auto parts i sold. was told by paypal i needed to upload tracking and wait for parts to deliver before the payment posted. parts delivered XX/XX/XXXX with a signature and buyer reports parts have been recieved in good condition. have made XXXX attempts to resolve and am not getting any answer. was told a claim was opened twice and received no further communication when i asked about the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Made several calls to XXXX customer service about not being able to return equipment. Equipment was returned and Collections Dept. said it would be removed. Debt had been removed from credit and collection agency and now has been re-reported in XXXX through Diversified Consultants INC even though XXXX removed it a second time. Spoke with billing again and agent XXXX said equipment was received and would escalate. This is the third time this statement is made. They have received the equipment and refuse to remove this. Agent provided Serial Number to verify equipment was received. # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Diversified Consultants, Inc.
State: FL
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:
Diversified Consultants is attempting to collect a debt they claim I owe to XXXX XXXX XXXX. I have disputed this in writing and requested validation. They have not provided validation and continue to post negative information to XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: International Computer Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The XXXX time they called, I was told I could make monthly payments on an outstanding bill. The lady was polite. She asked me when I could make a payment. I told her it would be the XXXX of XXXX when I could make the XXXX payment. I sent the payment. Since then they have called repeatedly every day. I have answered a XXXX of times but the caller would just hang up or I would just hear music. They use several different numbers to call. I have gotten to the point where I will not answer these calls. It is annoying and harassing because I am set up on a monthly payment plan and they need to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Collection Bureau Services, Inc.
State: MT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collection Bureau Services Inc. of XXXX montana alleges that we owe them a debt, but they have never sent us the required notice of our rights to " validate '' or " dispute '' the alleged debt. The first communications that we have received from them, on the nature of this alleged debt, was a lawsuit stating that we owe them this assumed debt. A lawsuit is not a legal form of first communication on any alleged debt. Collection Bureau Services Inc. is practicing Unlawful Debt collection Acts. And since we were never given the opportunity afforded to us by the FDCPA guidlines. We have never had the chance to " validate '' or " deny '' this debt. Which is in direct violation of our consumer rights. As well as the fact that CBS Inc is misrepresenting whom the debt is being collected for. They state that it is being collected for XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX XXXX no longer owns this alleged debt. So how can they be collecting it for them? The supporting documents included : Support of the fact that we were not in default on our payments to the original creditor when they sold our debt off to a 3rd party. The supporting documents also show that CBS INC. Is not in fact collecting this debt for the original creditor as they claim that they are. But rather they bought our account from XXXX XXXX XXXX XXXX while it was in good standing, and currently was in the process of being paid on monthly by the us. The fact that we were not notified that our contract was going to be sold to a 3rd party without our consent, while it was in good standing and being currently paid on. Makes this claim even more outrageous. Our right 's have been violated, by the original creditor " XXXX XXXX XXXX XXXX '' as well as " Collection Bureau Services Inc. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received an email alert from " XXXX from XXXX XXXX '' of a negative reporting in my credit report by " DIVERSIFIED CONSULTANTS INC., PHONE # ( XXXX ) XXXX XXXX ''. I immediately called that number and I learned that it is a debt collector acting on behalf of XXXX and I explained that I did not owe them and that this matter had been resolved via a former complaint to the CFPB. Upon checking my credit report, I came to realize that XXXX is again asking for a {$410.00} overdue payment. In response to that earlier complaint ( Case number : XXXX ), here is the specific response by XXXX XXXX XXXX from XXXX which handled the claim by XXXX : Please be advised that I have thoroughly reviewed the above referenced complaint. XXXX XXXX XXXX XXXX XXXX is a collection agency which performs collections sevices for XXXX in association with a collection claim on a defaulted account. 
XXXX XXXX is listed as the responsible party and all communication from our office has been in regards to the defaulted account. Per your complaint, a deletion from your credit file has been processed on XXXX XXXX, 2015 and the account has been returned to our client. You will receive no further communication from our office regarding the defaulted account. 
On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconcenience that this may have caused you. If you have any further questions or need additional information feel free to contact me directly at the number listed below. 
Sincerely, XXXX XXXX XXXX do not owe XXXX any outstanding overdue balance and the facts for this declaration were clealy detailed in my earlier complaint, Case number : XXXX. Additionally, the FTC in its online bulletin dated, Wednesday, XXXX XXXX, 2015 declared : " FTC Charges XXXX with Deceptively Advertising the Cost of Its Satellite Television Service '', which is indeed partially at the core of their claim that I owe them noney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One is sharing my no public personal information with nonaffiliated third parties XXXX, XXXX and XXXX. Capital One does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, they withheld my nights to being able to opt out of sharing, they are reporting private information to the consumer reporting agencies and they are in violation of multiple federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: TCF NATIONAL BANK
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am writing this letter to file a formal complaint against Gateway One Lending & Finance. On XX/XX/XXXX I purchased a car using XXXX. The contract was quickly assigned to Gateway One Lending. On XX/XX/XXXX I had a car wreck. My car was immediately taken to XXXX. The repair bid is attached. The insurance carrier and Gateway had a conversation regarding my car being totaled. But upon the insurance carrier speaking to me, I was told the car would be repaired. On XX/XX/XXXX I spoke to XXXX at Gateway. He informed me that it did n't matter if the car could be repaired, that Gateway does not finance totaled cars. I immediately went out to purchase a new car. See attached sales contract. My wrecked car was still in the shop being repaired and was completed. The insurance company paid for the vehicle. Gateway was informed. They later came to pick up the car and sent me letters stating I was liable for the difference. See attached letters. 
I am a person who pays her bills. I have excellent credit reflecting that I pay my debt. I stopped paying this car only after I was told they would no longer finance my car. 
At this point I have been dealing with this matter for a year. I am not asking for any emotional or financial damages. I only want the item removed from my credit report. 
I hope you can assist me in this matter. I am trying to avoid filing a law suit against Gateway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I placed an order for jewelry from XXXX XXXX the group owner of XX/XX/XXXX on XXXX. It is now the end of XXXX and I have yet to receive my order. I tried numerous times to call her and she ignores me. I then placed a claim with my bank Wells Fargo but they sent me a letter stating I can only dispute the charges 60days after and they would not help at all. They closed my claim. I just want My money back as XXXX XXXX and XX/XX/XXXX ( XXXX XXXX XXXX is a total Fraud.

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 2016-02-05
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I hold a savings account with GE Capital. After I discovered I could not access my account, I called the customer service number and was informed that my account had been closed on XXXX. Nobody could tell me why, but they explained that a check was " in the mail '' for my account balance, and I would be receiving correspondence that would provide some level of clarity to the situation. 

GE Capital provided me with a tracking number for the supposed package being mailed from them. After submitting a tracking inquiry via XXXX, I learned that my check was actually being mailed to GE Capital 's headquarters. According to XXXX, that check arrived at their headquarters on Wed, XXXX/XXXX/2016 at XXXX. 

I called GE Capital back to hopefully gain some clarity on the matter without satisfaction. Was not provided a reason for closing of the account or an estimated time frame or a reasonable expectation for when I might receive my check. I attempted to escalate the issue to a " Floor Manager '' and unfortunately obtained no new information regarding what had happened or what will happen. 

The following day I receive a call from GE Capital from a representative " dedicated '' to these types of problems. I was informed that the check was in fact not coming to me. I was informed that the check was, in fact, being sent to their headquarters for a " review ''. And that after the review was complete, my check would be processed and sent to me. I was also told that I would be contacted and provided with a tracking number for the check once their " review '' was complete. Was told that I should hear from them by XX/XX/2016. 

It 's now Friday XX/XX/2016, and I 've heard from nobody at GE Capital. My account was a savings account only in which I make monthly deposits ranging from {$200.00} - {$2000.00}. 

So, without any further information, I contacted my attorney and a close friend of mine who is a XXXX. My friend has informed me that the only possible reason this could be happening is if GE Capital 's internal systems have generated a " Suspicious Activity Report '' on my account. 

Now I would like to file a " Suspicious Activity Report '' on GE Capital. Oops. Forgot ... .I do n't have the right to do something like that. I 'm only a U.S. citizen. Not an XXXX banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland credit management is trying to collect on an unknown debt that is n't even showing up on my credit report, they have called me numerous times at work on my work cell and have also called my fiancee 's cell and her home phone and my XXXX Daughters Cell harassing all XXXX of us

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Regional Management Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I called and spoke with Regional Finance on XX/XX/2023. I asked the young lady the requirements and she stated you need to be employed and have at least a XXXX credit score. She never mentioned that I could not be receiving employment pay under a staffing company. She simply stated you have to be employed and have at least a XXXX credit score ( again I repeated back to her and she say yes thats all you need ) I am currently working for XXXX XXXX XXXX and currently XXXX is using this staffing company to assist with payroll and Human Resource concern. I even mentioned I can have my operational manager send over a letter or my original offer letter showing I work for XXXX. Regional Finance located in XXXX, GA refused to accept my pay documents from XXXX XXXX. All of my documents are legit and verifiable and they still refused to accept documents after my credit was pulled. Regional Finance was not transparent and upfront about not accepting pay documents from a staffing company. I checked Regional Finance website and requirements and it does not state any where in the website they dont accept staffing payroll documentation. This is a violation, and very much so discriminatory and unethical. I provided the documents required to Regional Finance. The even pulled my credit report and now I have an inquiry that shouldnt be there. The branch manager suggested that I dispute it and she would have it removed. Clear requirements need to be listed on their website and provided when calling. I am very disappointed it was a slap in my face when I clearly asked upfront before providing my information to the young lady.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The bank is still putting the large amount first. My funds were not low when I had a deposit came in which the money should not been charge but taken from my account. I told XXXX XXXX that I wanted my money back. The case number is XXXX. If I had not money in there to cover it, it would have been alright then. My money was in there the night it was pending so there should not have been an overdraft and this is how they get their money. I do n't agree with the bank response. I want my {$72.00} back and told XXXX XXXX that and she said that she would get back with me but never did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My brother-in-law had a savings account with Kabbage, which was bought out by American Express apparently. He passed away last year without a will and I am administrator of his estate. After contacting Amex and being told what documents are needed to close the account, and given the po box to send the documents, I sent everything via certified mail twice - the first time the documents were delivered on XX/XX/XXXX, and most recently they were delivered on XX/XX/XXXX- I have a certified receipt for both deliveries, and paid to get a signature the last time. I have tried calling Amex and Corporate and have been on hold several hours and transferred around, and twice after being sent to a supervisor was hung up on. No resolution, and no help. I feel that they are trying to avoid closing out the account and paying the money owed to his estate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home in XXXX XXXX. The house appraised above the purchase price. I put 10 % down and have been consistently making additional payments ( two full payments each year ). The principal is now at less than 80 % of the original purchase price. On XXXX XXXX, XXXX I filled out the paperwork to remove PMI and sent my lender the requested amount ( {$310.00} ) associated with the " required '' appraisal. The check was cashed shortly thereafter. I received a VM on XXXX/XXXX/XXXX stating that I should call back " in reference to [ my ] appraisal ''. I called the number provided back on that day and again the following week. Each time I was told that " systems were down and the representative could not help me ''. On XXXX I received a follow-up call. At that time I was told that the appraisal was going to cost {$180.00} more than originally stated. This brings the total to {$500.00}, which is more than any amount shown on the mortgage lender 's schedule of amounts owed for the appraisal. I arranged for payment and was then told that it would be another seven days before anyone could contact me to schedule the appraisal. It appears that this company is deliberately delaying the necessary steps to remove PMI in order to continue to charge the PMI ( {$180.00} per month on a loan of {$350000.00} at 3.65 apr ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Case # XXXX I made a complaint against this company Tide Water Finance hoping that they will stop sending me monthly statement hence they see a Government agency aware of their shady practices. They have not stopped ; the monthly statements keep on coming with charges that do n't make sense. I will send you a copy of this month statement to show you what I mean. It is ambiguous, confused ; I do n't understand the reason for the charge. The account says XXXX balance ; yet there is still a {$25.00} bill due. 
I had concluded my financial obligation with them last month. Their representative on the phone assured me that if I pay my final balance with a live person instead of the machine ( computer generated assistant ) ; for {$8.00} fee, this {$73.00} balance will be my final statement. This is the third final statement I received from them. I had {$100.00} final statement before, followed by {$73.00} which was supposed to be the last. 
Now I have a new statement with XXXX balance and a {$25.00} charge that can not be explained. 
When does final means final. I do n't want to have any surprises later on if I do n't pay and receive a bill for XXXX of dollars a year or so later. Their representative on the phone before I pay {$81.00} [ {$73.00} + $ XXXX {$81.00} ] gave me a confirmation number and the assurance that my transaction with them was final.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There are XXXX dates of service listed that are in collections. XXXX was paid by my insurance months ago. This was a bill from my doctor 's office. The second they are claiming is for the same date of service, and from the hospital. However, I was not seen at the hospital on that date ; therefore, the service is invalid. I confirmed with my doctor 's billing office that the actual date of service has been paid. I spoke with someone at the collection agency, and they informed me that despite what my doctor 's billing office is saying, this is a legitimate debt that I need to pay. I owe nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation