BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-17
Company: Commercial Trade, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I keep getting calls and now I just received a letter from a an attorney w/o works with debt collector. These debts there referring to were included and discharged in my bankruptcy. I feel threatened and so much XXXX. I have told them several times over the phones it was included in my bankruptcy. Thank you. 
XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: First Data Corporation
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Check # XXXX was written on XX/XX/2016 to XXXX for {$13.00}. That check was never received and we paid XXXX via credit card as soon as we learned of the check disappearance. We now have received a collection notice from TRS Recovery Services Inc. demanding payment for {$180.00} alleged owed XXXX # XXXX and written on XX/XX/2016. We have never written a check for that amount to XXXX. The TRS Reference # is XXXX. We have a carbon copy of the check in question that shows that it was written to XXXX for {$13.00}. Our credit union can not help because it is an electronic check. I feel that this is a scam and I have to wonder how many people would panic and pay rather than spend the hours I have spent trying to resolve this issue. We would appreciate your attention to this matter. Our credit is impeccable and I intend to keep it that way. Thank you in advance for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Comenity Bank issued credit cards for XXXX XXXX customers. The accounts were either sold to Bread Financial  or Comenity Bank changed its name to Bread Financial  in XX/XX/2022. At that time my account was fully paid off, and all accounts were closed to new purchases. It appears that they have stopped reporting to credit agencies, as all three show a balance of over {$3000.00} for my account. They agree it is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-19
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was just discharged from Bankruptcy CHapter XXXX. I called numerous student loans I have to start a payment plan with them. I was told by XXXX that they outsourced my loans to Transworld Systems Inc . I contact them to start a payment process on XX/XX/2017. I set up 2 automatic withdrawals for {$100.00} ( for XX/XX/XXXX and XX/XX/XXXX ) so my account would not go to collections. One {$100.00} payment was ACH'ed on XX/XX/2017. I was told by XXXX of TSI that XXXX would settle for {$12000.00}. I paid {$12000.00} on XX/XX/2017 ( and have documentation from my bank and numerous phone conversations with TSI ). Now, TSI is posting on my credit that I am in collections and balance is UNPAID. I have called them twice to be told that the account is " settled and paid in full '' although they keep hitting my credit with derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
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 was paid

Complaint:
I had a billing dispute with XXXX that they refused to correct so out of frustration I paid the bill of {$1500.00}. XXXX subsequently turned this item to a collection agency despite it being paid. I have called XXXX repeatedly and Diversified Consultants, a collection Agency. I even supplied proof of payment i.e. cancelled check and they still reported this item as past due to XXXX. Subsequently I contacted XXXX and they continue to be unresponsive yet my credit rating has been seriously impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: NAVY FEDERAL CREDIT UNION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone used my information to open a fraudulent account at Navy Federal Credit Union on XX/XX/2022, which is now delinquent with over {$10000.00} in charges. As a result of this fraud, my credit score has fallen XXXX points. I have disputed the account with the credit bureaus and placed a security freeze at all three bureaus. I also contacted Navy Federal Credit Union, and they erroneously told me that they had recognized the fraud, and a credit line had not been opened despite an attempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: CT
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:
Schlee & Stillman , LLC claim I owe XXXX to XXXX, a XXXX account. This amount is from two fraudulent orders for Apple products which I have no use or need for. Prior to these orders, a request to close XXXX account was made but ignored. XXXX conveniently has no record of my request and has requested numerous affidavits which I will not send in, previous ones were mailed in with nothing done. Please note, there is no proof of delivery for either order, only a signature signed as XXXX, which I never and have never signed my name like this, this is fraud. Also, I have not ordered anything from this company since on or around XX/XX/XXXX, these orders were placed in XX/XX/XXXX, over a year since last order. They claim to have " thoroughly investigated '' the orders which merely consists of verifying billing and shipping address, which obviously match. If they did not match then orders would not be processed and shipped out, which is obvious. In closing, please advise Schlee and Stillman to remove account from collection and credit bureaus, if reported. They have not provided any proof I received these orders or even placed them. I also wish to reiterate I requested account be closed prior and failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Edmonds & Logue PC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/21 I was notified by my bank that my account was at a XXXX balance. When I logged in to see what was going on all of my money had been put on hold XXXX dollars and some change. I called my bank and they informed me that they received a legal court order to hold my money for a debt. The bank provided me with the information on who to call giving me a number of XXXX I called and spoke to a woman I believe her name was XXXX and she informed me that I had been served and that they had mailed me letters she then told me the address they had on file and it was correct as well as my correct phone number. I told her that since she had all my correct info why was no attempt made to collect this debt using those means and her response was no reason only that I had been served. I then asked if it was signed for and she said no I said so you are taking the word of some one that has no proof of the job they claim to have done. She then asked me if I would like to set up a payment plan. I am still in shock as I honestly did not even know I had the debt. I would attach documents if I had any to attach as I have not received any information in regards to this debt I have no info to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: CA
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX Balance {$1200.00} ; XXXX XXXX XXXX XXXXXXXX {$510.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX Balance {$480.00} ; XXXX XXXX  XXXX XXXX  XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$470.00} ; XXXX XXXX ( Original creditor : XXXX XXXX  XXXX. ) XXXX Balance {$780.00} ; XXXX XXXX XXXX ( XXXX : XXXX ) XXXX Balance {$420.00} ; DXXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance {$4500.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX XXXX ( Originalcreditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX  ) XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Diversified Consultants, Inc.
State: NJ
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:
I recently started getting repeated calls from a debt collector regarding an outstanding balance of {$100.00} with XXXX. I have n't used XXXX in years and when I did, I paid my bill automatically. When I called XXXX, they could not tell me when I last had XXXX as my service provider. They said that the oldest records they have are from XX/XX/2013 and that the bill was from an earlier date. So they were unable to show me the bill. Also, is n't there a statute of limitations?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: International Computer Systems, Inc.
State: OH
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:
I received a bill from XXXX for payment I called XXXX and made a payment plan with them. The collection people were also calling me about the payment. When I made a payment plan with XXXX there told me that the collection people will stop calling me. I paid the amount in full and now this month the collection ( First Collection Svcs ) put the collection on my credit report which has an negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: PROVIDENT FUNDING ASSOCIATES
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX-Emailed origin bank the then current servicer of mortgage to request payoff statemnt for XX/XX/XXXX XX/XX/XXXX-Called origin bank to check up on issue-they said that it takes 48 hours XX/XX/XXXX-Called Providence financial the new servicer of mortgage to request payoff statement-said loan is not in computer now so they can not give me XXXX XXXX XXXX origin bank -- they said to call Providence financial and talk to supervisor since they do not service bank XX/XX/XXXX-Providence financial told my husband that it would be in the computer by end of day, they told me that it woudl be in there by noon on Tuesday XX/XX/XXXX XXXX-Closed on house, no longer the owner of home but still paying on house XX/XX/XXXX-XXXX Not in computer, called PRovidence financial again and they said that it may be in computer by friday. Asked to speak to supervisor who was rude and said it was my fault and there is nothing they can do. Continuing to lose money because pay off date is moving farther out and do not have funds to make other purchases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi XX/XX/23 I called us bank because I'm tried of them holding my money I Feel that like there are stolening my money. Honestly ever XXXX counts for me. And when I deposited money for the bank why should I have to wait for them to approve it or the mecherent. I get confused I don't know how to read my statement. In current thing so I was wondering if you guys can make sure I'm not getting robbed. Thank you

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 2015-04-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
On XX/XX/2015 I applied for a mortgage with USAA. Due to my income to loan ratio, I was told that I would have to receive approval from their underwriting department, which could take up to 3 business days.  I asked if there was any way to expedite the process because the sellers would like a Good Faith Estimate (GFE) as a guarantee of creditworthiness, and the mortgage representative said there was no way to make the process go faster.

On XX/XX/2015 I was called by a USAA Mortgage Representative stating that their underwriting department was wondering if there were more assets that I have available, to which I gave them my XXXX information. I was then told it could be up to another 3 days for a decision.  Again I told the representative of my situation and that I had already waited 2 days, to which I didn't think I should have to restart a 3 day wait again.  He again reiterated there was no way to make the process go faster.

On XX/XX/2015 I was notified of my loan approval. I asked to lock in a 3.625% rate program on a 30-year conventional loan, which she said she did.  I was informed they would be sending out my loan paperwork and GFE via XXXX.  I asked the representative to make that GFE available electronically so that I could send it to the sellers of the house I was trying to purchase.  The representative told me she would make the information available via USAA's electronic documents system.

On XX/XX/2015, the documents were still unavailable on USAA's electronic document system, however they arrived via XXXX and incorrectly showed a 3.25% interest rate with over $13,000 in origination and discount fees that I had never asked for, nor agreed to.  At approximately XXXX Arizona time, I called USAA to ask what was going on.  A mortgage representative verified that I had locked in a 3.625% rate and that new documents would be sent to me by XX/XX/2015. I informed her that I needed a GFE to give to the sellers and this was already taking 4 days longer than it should have. I asked her to either send the documents electronically or via fax.  She state that contrary to what was told to me the previous day, mortgage documents cannot be sent electronically, and that the department that sends our faxes had already gone home so they could not accommodate my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
USAA Federal Savings Bank has tried to get in touch with me with this letter dated XXXX XXXX 2016. Then on XXXX XXXX 2016 I get a second letter about my checking account. I have not been able to get into my checking account for many months now. I have sent in money to cover the {$34.00} amount that was not paid. Seems USAA returned that payment I sent in on XXXX XXXX 2016. Why are they allowed to do this? 
I still feel that the have discriminated against me due to my age as I am 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 2016-10-26
Company: Receivable Management Group, Inc. (GA)
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by RMG creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

RMG, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Convergent Resources, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
convergent outsourcing has illegally re aged alleged debt. A collection account is reporting as open on my credit report. Which is illegal and false information. I did n't enter into a contract with a debt collection agency. This false and deceptive practice had hurt my ability to obtain credit. They are reporting XXXX accounts from comenity bank and XXXX account from XXXX as opened by me. They also re aged the debt as if I recently opened these accounts once they were sent for collection. They claimed to have sent me verification of these accounts which is false. A collection account can not report as open that violates the FCRA and the dates and amounts are incorrect. I 've stated this for months and there was no proper investigation ever done. Also no resolve to my complaints. The only thing left for me to do is to seek punitive damages for what this has cost me. Since you wo n't investigate I have to make this a legal matter.

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 2015-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I XXXX XXXX HAD {$1500.00} DOLLARS TAKEN FROM MY SON ACCOUNT BY CAPITAL ONE BANK LOCATED AT XXXX XXXX XXXX, VA XXXX THE BANK CHARGED MY ACCOUNT MONEY THAT SHOULD HAVE NOT BEEN TAKEN OUT DEBTING MY SONS ACCOUNT, I WOULD LIKE MY SON MONEY PUT BACK INTO HIS ACCOUNT PLEASE THIS BANK IS A RIPP OFF CHARGING UNREASONABL FEES,XXXX THE MONEY WAS TAKEN FROM ACCOUNT # XXXX MY SONS ACCOUNT FOR SUPPOSELY ACCOUNT XXXX THE AMOUNT TAKEN WAS {$1500.00} PLEASE HAVE PUT MY SONS MONEY BACK PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a very old account that is past the statute to report. I have disputed this several times and still nothing. This is against the law and violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We continue to wait for action by the lender on the shortsaleThey wont move forward and they continue to delay the shortsale its been almost XXXX months and they have an appraisal value of {$25000.00} and are sitting on a cash offer of {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have disputed a transaction for {$1600.00} with Capital One Credit Cards, since the company XXXX Billed my card without my authority for $ XXXXXXXXAt no stage has capital one provided with the payment slip with my signature authorsing this charge, there is no follow up from the Capital One Dispute team and no one in capital one is taking ownership of this problem. 

This charge is clearly unauthorised and should be refunded back to me by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Ark-La-Tex Financial Services, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is with Benchmark Mortgage. I purchased the home, approximately, XX/XX/XXXX. School taxes came out XX/XX/XXXX. I mailed a copy of taxes to the mortgage company. I received a call from XXXX tax collector stating that the taxes were not paid. When I called the mortgage company I was told there were comments in my account XX/XX/XXXX Taxes Paid - no check was ever dispersed. I am now going into the 4th week with trying to get these taxes paid. Benchmark Mortgage has {$2600.00} in my escrow and will not release the funds. I keep being told will be resolved within 24 hours. That never happens. I went back to the broker who represents Benchmark Mortgage and am being told they are working on it with a manager of the processing department. I ca n't seem to get resolution and am risk of being sent to tax claim.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I have noticed unauthorized charges on my account statement from XXXX different companys.i I have never received goods or services from them.one from XXXX for the amount of XXXX and change and other from XXXX for XXXX and change.i tried to dispute it with the credit card company they ended up rebillling those charges.i am not going to pay for those unauthorized purchases.

Company response to consumer: Closed with explanation