BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted several mortgage companies a few years ago to refinance and chose USAA. I asked each one of the mortgage companies if I could make bi monthly payments to pay down my mortgage sooner and USAA said yes. After the refi was complete I reached out to set up my extra payments and was told that I had to pay to participate in a program to be able to make extra principal payments. This is my complaint. I should not have to buy a program to pay off my mortgage with extra principal payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have been attempting to get my credit report updated on the XXXX account as it was settled since XXXX of 2020 with their agent how bought their debt ( Full Circle ) and have not been able to obtain the final letter transferred that debt from XXXX to Full Circle nor has my credit report been updated to reflect {$0.00} balance on XXXX. 

They tell me that they have attempted to contact XXXX with no results and they could not give me any documentation that they bought the debt from XXXX. 

I have been emailing and contacting XXXX with numerous attempts along with over 10 + hours on hold with multiple transfers and disconnects and they still show2 I owe those funds. 

I have attached all the correspondence in hopes that I can get a letter from XXXX as this is holding up my refinance on my home and need it asap as I have also spent additional funds out of my pocket for the appraisal fees. 

Please can someone Please help me. 

XXXX XXXX XXXX

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 2015-06-24
Company: RIA FINANCIAL
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I ordered a money transfer to XXXX via Ria XXXX XXXX on XXXX/XXXX/2015. Prior to this, I used their service few times and never had an issue. On this occasion, XXXX was unable to credit the money to my recipient 's account within XXXX business days. I requested the order to be cancelled on XXXX and till today they have n't refunded my money. I keep calling their customer service everyday, and each time the give me an unacceptable reason that the correspondent bank is not acting fast enough. As a customer I do not care about their partners. It has been over a week now and I am still waiting to get my money back from Ria.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
USAA Bank located at XXXX XXXX XXXX in XXXX XXXX, Texas XXXX place fales and negative information on all XXXX credit bureaus. I proved to them that I was a victim of identify theft with copies of the IRS, FBI and Police report that some unauthorized person used my credit card without my permission. I paid what was mine portion and received a letter from their collection agency XXXX which states. This Account has been settled in full ''. They still refuse to comply with FCRA rules and ignore all communication. this is destroying my pesonal credit and I need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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 am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started working with a company called LOAN DEPOT. I sent a ton of documents. This went on for several weeks. Tax forms faxed to the second person handling our refinance. I was told it was go and everything looked good. We have excellent credit. I explained everything that was on our credit report. He told me that he would be needing an appraisal at some point. I told him let me know because I use a medical debit card and would need to put the money in. I was in an accident had to go to the ER and and when I went to pay my card was declined. I checked my account and they took out XXXX without telling me. My husband has loan on his c credit report but I explained that we do n't pay the loan my son does. And h he has been for 3 years. 
I was upfront about this and they said it was not a problem. I asked for my appraisal back since they did n't give me the loan that they said was a go..I was told it would go into for review about the refund. They once again sent and email denied the refund. I was told by another mortgage company that you do n't do an appraisal unless you review all the paperwork, tax returns, credit reports etc ... These guys wasted weeks of time, energy, and money only to get nothing. I have refinanced before and never have I had so much problems with documents having to be refaxed. I was told that you ca n't fax documents. 
I just want my XXXX back. I am with another bank and had to pay for another appraisal. This loan is a go but these people lead me on and just c continued to ask for more documents that they already received. It took six weeks to figure out whether or not we would qualify. Well we certainly ha had all the documents in order. We have very good credit. Just stole XXXX from me and probably knew they would never go through with the refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I purchase a phone on XXXX/XXXX/2014 and paid {$140.00} to XXXX XXXX XXXX. I have been told that I have two weeks to return the phones in case I change my mind. After a week I realized that I do n't have the budget to pay such amount on monthly basis, so I returned it. I was told that they will reimburse me only {$75.00}. So I paid for a week {$70.00}. I was ok with it. Then the phone was sold to another client and never changed the billing. When I received a letter that my account was sent to collection, I went to the store and asked for explanation. They could n't even connect the phone to my name, but to another client. The manager just said we ca n't do nothing and we are sorry. I went ahead as I did n't know what to do and paid a bill that it is not even mine, but this is still showing up on my credit report and it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Diversified Consultants, Inc.
State: FL
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 is attempting to collect a debt I do not owe to it. 

I ordered internet service on XXXX XXXX, XXXX. I was subsequently sold cable television service by phone. There was a 30 day money back guarantee as to both services. On the second occasion in which I took off work to wait for cable installers that never came, I canceled the service and returned the equipment to XXXX on XXXX XXXX, XXXX which was well within the thirty days. 

I later received a bill from XXXX and called and spoke to a representative on XXXX XXXX, XXXX. After reviewing my account she informed me that all charges would be removed within 48 hours because the package had a 30 day money back guarantee and I had disconnected and returned all the equipment on time. 

Despite this representation, I next received a letter dated XXXX XXXX, XXXX from debt collection agency XXXX XXXX XXXX seeking to collect for XXXX. I responded in writing denying the debt and explaining why including copies of all relevant documentation on XXXX XXXX, XXXX. 

I never heard another word about it but learned in XXXX XXXX, when I was buying a car, that this was on my credit report but showed as disputed. 

Recently ( in and around XXXX XXXX ) I started receiving debt collection telephone calls from a new company regarding this matter. The new company is called Diversified Consultants. I have received multiple daily phone calls which have continued even after I told their representative that I did not owe this and after they have sent me a letter dated XXXX XXXX, XXXX which gives me 30 days to respond. 

At this point, I am at a loss of what to do because when I provide them a written response and evidence to prove that I do not owe this debt they nonetheless report it to credit bureaus and just send it to new companies to collect. I do not owe it and I am tired of being constantly harassed. This needs to be resolved and the matter needs to be removed from being reported against me to all XXXX credit reporting agencies. Further XXXX, XXXX XXXX XXXX and Diversified need to be penalized in whatever manner it is possible for their conduct. Specifically, XXXX failed at all points to competently handle this matter and to have forwarded it for collections not once but twice and to have negatively impacted my credit report when their own records reveal I do not owe it. XXXX XXXX XXXX failed to competently reflect this matter as a debt not owed and negatively impacted my credit report and Diversified Inc. is engaging in telephone harassment in attempting to collect a debt that is not owed and engaging in the repeated daily phone calls even though I am within my timeframe to respond in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
My loan was modified back in XXXX. However shortly after the modification and for over 2 years after it happened, they reported me late XXXX payments. I proved that I had n't missed the payments. However, they did n't correct the situation. Back in XXXX XXXX, I finally got someone that was able to help and clear the past dues and promised me to clear my credit history with the credit bureaus. 
My credit is still wrong after 8 months and now as of the load statement of XXXX XXXX, I now have another past due balance for {$1800.00}. 
I asked Bayview to send me what they sent the credit bureaus to correct my credit and also to receive a letter where they tell me when they will be giving me an answer and hopefully a correction for the fees that are showing on my statement. 
They sent me one saying that they will be giving me an answer by XXXX XXXX. I have not received anything else. So I called today and spoke to XXXX, who is giving me the same answer as XXXX did a month ago, " let me look into it ''. 
XXXX said he would call me in 2 days to give me more information, which is again what XXXX said. He also said, the fees are fees I owe for attorney and appraisal fees, and he doubt I was going to get the waived and that they were just in a different place on the account and that is why I had n't seen them. I asked him to provide proof that they disclosed these fees as of a truth of lending disclosure or anything in writing that they provided to disclosed those fees during the modification. I also mentioned, they told me that all fees were rolled into the load. basically, all fees they were reporting me owning before the modification, they put them as part of the loan and now after over 3 years they are charging them as past due. 

please Help, I am so XXXX out about this, and with the inability of having my credit fixed for the last 3 years, I am still unable to do anything with any other creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
BYL Collection Service account # XXXX did not provide adequate verification for debt in question no documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Northeast Recovery Solutions, LLC
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accused me of lying and she said she sees no record of me following filling in my county, as I try to explain that I have n't filled, she starts again talking over me. I then had to start talking over her so that she could understand what I am going through. She stopped talking and told me that she can tell by the way I am on the phone why I am the type of person that is in collections, and owe purple money. I told her she insulted me. She did n't offer an apology, I asked her at least 4 times to not contact me and that I ca n't pay at this time. She then just hung up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
My company has a credit card account with Capital One. They have been charging interest on this account even though the card is paid off every month. 
We have to call them each time to obtain the credit for the illicit interest charge. Capital One considers a payment late if not received on a particular date and does not consider the post mark date as the date of payment. 
If Capital One receives the payment XXXX day or XXXX days later than the published due date the annual percentage rate increases to 29.4 % which seems predatorial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
Capital One Credit Card has been charging continuous regular interest rate plus cash advance interest rate, even the loan was fully paid. I used it again the following month after it was fully paid, and the usual interest kicks in including the cash advance that i took for {$200.00}, XX/XX/XXXX, and had been charging me interest since then till XX/XX/XXXX for almost $ XXXX/per month for the past 3years on top of the 25 % interest every month. Even I almost paid it off XX/XX/XXXX, but they are continuing to charge cash adv interest, thy offered me {$20.00} credit this month, but i told them that i will report them and the {$20.00}, is not enough credit for the interest they keep on billing me. They told me to call again next month to check and see if I was billed again for the cash adv int. but i just want to let you know for the credit card companies bad practice killing the small people, trying to keep afloat in this difficult times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: NM
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Balance transfer fee

Complaint:
I have this card since XX/XX/XXXX with the initial balance transfer of {$450.00}. I have paid on time never late. I do n't use it unless it is emergency, not checking my statement. I did not realized that I was still being charged for the balance transferred since XX/XX/XXXX. I also did not realized that my monthly payment did not go towards the beginning balance transferred. I also did not know that I was charged with the interest of 23.24 % each month to this day XX/XX/XXXX of {$8.00} per month. How will I ever pay this off? If non of my payment goes to previous balance. Why are they splitting the payment to purchases and not toward the initial balance transferred. I think this is so unfair not to apply to the oldest balance first.

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 2015-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
XXXX XXXX XXXX XXXX has failed to provide documentation and proper accounting for payment of their services. We transferred monies to them on XXXX/XXXX/2015 for two months of service. They show on their bill that they canceled this payment, and subsequently charged us for three months of service following their " cancellation ''. In order to prevent interuption of service I paid the entirity of the bill, totaling five months of service for three months. They have failed to return us said monies, for two months of service, and can not account for where this money is. Thusly, they have violated Regulation E of Title 12 of set forth in the CFR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Other

Complaint:
I paid my credit card on time and paid the balance in full every month. 

Now Capital One is saying there is fraudulent activity on my account because They are making no interest on my account. Although my account is paid in Full I ca n't use my account because they say they have to investigate fraudulent Activity. 

Capital One is Discriminating against me because I am XXXX. I want An investigation into Capital One policy of Discrimination against XXXX Who pay their bills on time and they do n't make any interest on them. 

Waiting to hear you. 

XXXX XXXX

Company response to consumer: Closed with explanation