BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-27
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I was charged XXXX twice ( XXXX ) by XXXX. I never made a transaction with them. I went into Regions Bank on XX/XX/XXXX to dispute this transaction as I had already tried to correct this fraud charge with XXXX and was getting no where. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled aster the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized them to charge my card not did I ever sign a credit card authorization. The total of XXXX that was charged is fraud and needs to be refunded back to my account asap.

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 2016-11-16
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have disputed this debt under my FCRA and FDCPA rights and it is not marked as disputed and is in violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: STERLING JEWELERS, INC.
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I went into Kay Jewelers at XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX to view engagement rings. The sales person offered to run a credit check to see if I could qualify for financing and I agreed. I purchased a few gifts from Key Jewelers on my own credit card. A few days later, I received a Kay Jewelers credit card in the mail. I never agreed to starting a credit card, and told the customer service rep. when I called to cancel the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Immediate Credit Recovery
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I received a letter from Immediate Credit Recovery stating I owe them {$74000.00} In student loans. I called XXXX The department that manages my student loans and they confirmed that I only have XXXX in student loans total. There is XXXX in interest. There are two problems here. 1. I do n't owe XXXX and there is another company already garnishing me for XXXX. Between the two companies they are taking XXXX every two weeks from my pay. That 's XXXX per month and XXXX in the 2 months that have 3 pay dates. How can two different collection agencies garnish you for the same money. Immediate Credit Recovery has also reported double loans to the credit bureau so that now it looks like i have twice the loans in default than I actually have. My credit is bad enough without it doubling up on default payments. i spoke with them back in XXXX about lowering the garnishment amount and they refused. I made arrangements to make payments from my credit card but they have not been taking the payments. I have called and got put through to a voicemail box and no return call. They have no problem calling me 19 times a day when I 'm at work or in bed, but when I call them with a problem I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Stellar Recovery, 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 discharged in bankruptcy

Complaint:
XXXX- Stellar Recovery is trying to collect a debt I do not owe them for services I have never order from them. They assigned my SS number to someone else account by mistake or deliberately. I understand they want to collect over {$600.00} USD from me I have try to clarify this issue and now they want me to make a police report on identity theft and I will do so to keep them from damaging my credict.I just feel a victim myself of this company in their quest to make profit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Consumer Asset Management (Texas)
State: WV
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A company claiming to go by the name Consumer Asset Management out of Texas called from the phone number XXXX XXXX XXXX XXXX requesting that I call back by XXXX the next day about a debt on my social. I was requested to call XXXX XXXX XXXX XXXX. They threatened me with orders to put me in front of a judge concerning a debt of {$13000.00} which I do not owe according to my credit reports. They refused to supply anything beyond the name Consumer Asset Management and the phone number already supplied. When asked for the license number and address their response was that it is public domain and was refused this information. When asked for a written validation notice, they refused and said that they will only send out a letter of offer of settlement for {$4000.00}. I again asked for validation notice only and was refused, again only being offered the settlement letter and being told that once that settlement letter was sent I accept the terms of the letter. I refused and said I will not do anything until I receive a validation notice. They stated they are not required to send those out. I said I was reporting them to the FTC and he said " go ahead '' and hung up on me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-11-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I made a purchase at Bloomingdale 's and returned the item on XXXX XXXX. I had received a cc bill for a payment due by XXXX XXXX a couple of days prior to XXXX XXXX. Because the item returned was the total amount on bill, I was told in-store that no payment would be due on the XXXX. On that same day I made another purchase, but being that I had already received the month 's credit card bill, believed that the later purchase would carry over onto the following month 's bill ( i.e. due XXXX XXXX ). When I received this month 's bill there was a late fee charge of {$27.00}. When I called customer service, I was told that the reason I accrued the late fee was because returns do n't count as balance pay offs. I tried to explain to the representative that for any other credit card I have, as long as the refund processes well before the due date of the bill, that I can deduct the amount of the returned item from my total payment. I further tried to explain that based on the policy the store was telling me, that Bloomingdale 's in essence can get double monies as they can re-sell the returned item + hold onto my money for merchandise I no longer have ( i.e. have double the money ). It was reiterated that returns do n't constitute payment on credit card balances. I got them to remove the late fee, but was told that I will have the same problem again this month when I explained that on my new bill I owed {$48.00} due XXXX XXXX. I returned XXXX item for {$30.00} and then paid the remainder of my bill in store for {$17.00}. I was assured that yes indeed, I would again be charged a late fee as I did n't pay off my credit card balance. This system sound egregious to me. I was told I could contact Bloomingdale 's Department stores National Bank for an executive complaint, but have opted to contact your agency XXXX, as I beleive what they are doing is a far bigger problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01
Company: KEYCORP
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I, XXXX XXXX, signed my mother 's signature XXXX XXXX for a loan in 2007 that I received during my attendance of school. XXXX XXXX spoke with Key Bank, after discovering on her credit reports, which I was informed they were extremely rude and nasty about the matter that is why she resulted to complaining to the CFPB. I also contacted Key Bank and provided a letter informing Key Bank that I am completely liable for this loan. I am also attaching XXXX of the credit reports my mother provided me, showing that Key Bank has the XXXX account listed on her credit reports three times. She indicated Key Bank has it listed like that on all her credit reports. I signed for XXXX loan with them, so they should not be reporting the account as Key Bank XXXX under account number XXXX, then same account ACS-Key Bank account number XXXX, then a third time Key Bk XXXX. These XXXX accounts are the same XXXX account and my mother has notified them and they still display it as XXXX accounts on her credit reports. Key Bank is dishonest in saying that they tried to contact my mother with no avail, she spoke to their fraud dept. told me that is how they obtained her address in which they did not have. She provided her signature over and over to show that is not her signature, which she is correct, it is mine, XXXX XXXX. I have attached new information and previous information submitted by XXXX XXXX, that she provided me. She informed she is not only mentally exhausted but this stress has taken a massive impact on her health in which I am totally apologetic for. My mother is in the process of obtaining legal representation for Key Bank 's refusal to delete and for reporting the same account three times on her credit reports. Key Bank 's refusal to acknowledge that they have received the documentation to support this debt does not belong to XXXX XXXX. She also said she was baffled why they did not contact her as she has a fraud alert before allowing me the loan. XXXX XXXX never had any knowledge, never received any documents or signed nor did she receive any benefits in regards to the loan. As I have admitted prior, XXXX XXXX XXXX XXXX XXXX XXXX is solely liable. My mother has been through more than enough turmoil. As she stated prior she was dealing with my father and only sibling battling with XXXX and I did not want to ask her to sign for the student loan, so I signed, which I had no right or permission to sign my mother 's name XXXX XXXX XXXX XXXX or provide her information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Recieved a letter in the mail telling me keybank closed my account .... open an account on the 5 and today is the 13 and wasnt notified till today with a letter .. 
If there was a problem with opening the account i should have never been able to open and account .... my money is going to be sent back to me via check and have to wait for XXXX knows how long ... called keybank customer service and the do. Ot see why im account is closed ... worst bank in the world waste of time and waste of money for the simple fact i have to wait for a refund of my money and never was told why my account was being closed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is an old XXXX gas card. I told this same collection agency and XXXX, THIS card was used by another person for unauthorized use. 
I had a cousin who i helped, unfortunately HE used this card without my permission on numerous occasions. After he moved he wrote me and told me. 
this collection XXXX XXXX XXXX XXXX XXXX Ca XXXX 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 2016-07-13
Company: KEYCORP
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX with XXXX. I have been hired by the sellers to help facilitate a short sale on their behalf. I have been working diligently with PHH Mortgage on getting them the docs they need to get this moving however for the last 3 months the file has been stagnant. Not even the negotiator from PHH can tell me what is going on. All I hear is it is with the investor. The sellers are upset, the buyers are losing hope and the agents are furious. 
It seems PHH Mortgage is keeping this loan for some reason and does not want it to have a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: RoundPoint Mortgage Servicing LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Homeowner 's and Taxes are escrowed each month. My Mortgage Company, Roundpoint Mortgage Servicing failed to pay my insurance premium and my Homeowners lapsed. I had to pay this out of my own pocket to get re-instated. I can not get an answer to any of my attempts at reaching this company by phone, e-mail, certified letter, fax or secure message through their website. I can not get any answers from them as to why this happened. The funds are there, they just chose not to pay my premiums.

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 2016-05-04
Company: GLA Collection Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I found a `` XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX XXXX XXXX XXXX or take my adult sonvthere in XX/XX/XXXX or XX/XX/XXXX. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from GLA Collections as well as from XXXX XXXX XXXX XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have googled this place in XXXX and sent letters to any addresses I could find.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: GLA Collection Company, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There are XXXX accounts reported on my credit reports from GLA Collection, one from XXXX and the other XXXX. XXXX showing " Open '' but with {$0.00} balances. The one from XXXX has been PAID but still showing " open '' The second, I do not recognize the account number nor do I owe them anything associated with this account number. I do not know why the one from XXXX is even on my credit report and showing " open '' with a {$0.00} balance.

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 2016-03-17
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was contacted by a former vendor I had used to repair my PC, who called me up and stated that they were going out of business and wanted to repay me $ XXXX.They asked me to click their company 's link and I gave them information to credit my bank account. Well, they called and said their new customer service rep had inadvertently transferred {$2500.00}, which showed up in my online banking transactions. They requested I go to Western Union and they gave me a print out of who to wire {$200.00} to someone in XXXX. At this point the vendor had control of my PC and had placed a password lock on it so that I could not utilize it until I had satisfied their requests. I was then told that another {$2500.00} had be placed in my account, which appeared on my online statement. Then there was another {$2500.00}, followed by a {$9000.00} deposit to my PC.. Finally realizing what was happening I quit sending money after I had sent a total of {$7300.00}. The following morning I reported this to my bank, XXXX XXXX, and they closed my account. I visited the bank that day and was helped to perform stop payment on a number of disputes. I posted a police report. I was told I was not eligible to receive the {$7300.00} in money fraud from my bank even after elevating this to the district manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Gallatin Valley Financial
State: MT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Rocky Mountain Credit ( no license # on letterhead ) at XXXX XXXX, XXXX, Mt XXXX, XXXX XXXX XXXX XXXX. Reported me as a delinquent on my credit report, even though I disputed the claim within the 30 day timeline. I requested any type of document with my signature, they failed to do so, and sent me a bogus XXXX invoice that even I can generate. They reported this as a delinquent account even after I followed the legal steps and disputed, without them being able to verify the debt. What steps do I have to take to clear this erroneous reporting on my credit report, and to evoke their collection agency license?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: AES/PHEAA
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My original debt was included in my 2010 bankruptcy and National Collegiate Trust purchased it anyway. They continued to try and collect despite being notified on multiple occasions that the debt was no longer valid. I wrote letters to XXXX different addresses and included my bankruptcy paperwork. I also told multiple collection agents about the bankruptcy. They recently filed a lawsuit against me trying to collect the discharged amount plus the interest they tact on. Everyone should be aware of National Collegiate Trust. Force them to validate your debt and make them prove they are within the time frame to collect. I wish I had known to do that when I was wasting my time writing letters and telling collection agents this was included in my bankruptcy. They do n't care. I should have reported them a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, I would like to file a complaint again my mortgage company Bayview Loan Servicing LLC, for violation of The Real Estate Settlement Procedures Act ( RESPA ). I did a modification of my mortgage last year to a XXXX loan and was advised by the Bayview Representative that my Property Taxes and Homeowner Insurance would be paid from my Escrow going forward, I was advised by the Representative to provided Bayview with my Property Tax documents when I received them. In XXXX XXXX I mail Bayview Loan Servicing LLC a copy of my Property Tax documents and I also faxed the same information their office on XXXX XXXX, XXXX, as you can see from the attached documentation. 
In XXXX XXXX, I received a letter from my XXXX Tax Collector advising me that as of XXXX XXXX, XXXX, my taxes were not paid. I then contacted Bayview Customer Service to advise them that my property taxes were not paid. The Representative advised me to fax my information again to the Customer Service fax number, I faxed the information on XXXX XXXX, XXXX, as you can see from the attached documentation. I followed up with a call and was advised it would take XXXX to 60 days for my case to be resolved. I followed up again with a call on XXXX XXXX, XXXX, and was advised that my investigation would not be close until XXXX XXXX, XXXX. Ok, on XXXX XXXX, XXXX I called Customer Service to find out the resolution and was advised I would receive a letter from Bayview regarding my Property Taxes payment as of today I have not received a letter of resolution or any communicating from Bayview and my Property Taxes still is not paid as you can see from the attached and tax amount has increased from XXXX XXXX to current to a larger amount. 
Thank you for your time regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief