BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: Westlake Services, LLC
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
WESTLAKE FINANCIAL SERVICES is attempting to collect a debt without a contractual obligation binding I the consumer and WESTLAKE FINANCIAL SERVICES. WESTLAKE FINANCIAL SERVICES ARE THREATENING TO UNLAWFULLY REPOSSESE MY AUTOMOBILE ILLIGALLY ON XX/XX/2022, if I don't pay this ALLEGED DEBT, without responding to my CONDITIONAL ACCEPTANCE LETTER sent certified mail and it was delivered and received XX/XX/2022. Pursuant to title 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES, prohibits the collection of any debt without a CONTRACT. WESTLAKE FINANCIAL SERVICES is attempting to collect a debt in the amount of {$480.00}, there is NO CONTRACTUAL AGREEMENT between XXXX XXXX XXXX and WESTLAKE FINANCIAL SERVICES for them to lawfully reposes my automobile, there for WESTLAKE FINANCIAL SERVICES is in VIOLATION of 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES. I DEMAND WESTLAKE FINANCIAL SERVICES CEASE COLLECTIONS, {$0.00} OUT ACCOUNT XXXX, DELETE ANY NEGATIVE DOING TO MY CONSUMER REPORT, AND GRANT ME MY TITLE LIEN FREE WITHIN 30 DAYS, IF YOUR COMPANY FELLS TO DO SO I WILL SEEK LEGAL ACTION.

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 2016-02-25
Company: Credit Protection Association, L.P.
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:
This is written by XXXX XXXX XXXX ; collection involves an account under my wife 's name XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX, we cancelled our TV cable service with XXXX and kept only XXXX internet service. A XXXX serviceman picked up TV equipment ( TV control unit and remote, as I recall ) and left the modem only. 

In early XXXX, we switched our internet service to XXXX XXXX XXXX. When my wife ( per directions from XXXX ) delivered the modem to our local XXXX office, we were told we still had a piece of TV equipment we did not have, and would be charged for it. I called XXXX customer service and explained the above scenario, and advised we did not take or have their lost equipment and would not pay for what seemed to have been lost by someone else. I believed that the matter was closed, and then the cards and calls from Consumer Protection Association began to come. They came to me, because my phone was listed as the contact. 

I called both CPA and XXXX on three occasions. After each contact, I believed that XXXX understood our position and the matter was closed. The last contact was on XXXX/XXXX/XXXX to XXXX companies. I confirmed that CPA would be contacting XXXX, and I confirmed XXXX would be confirming to CPA that the matter was resolved. 

I then received notice in XXXX ( XXXX copy included ) that CPA had 'turned my account over to the credit bureaus '. I was shocked, as this was clearly a disputed matter, and I had recieved no indication from CPA that 'the credit bureaus ' ( no specs as to how this was reported, or to who ) had been advised that this was a contested matter. 

I now realize that I should have disputed this matter in writing withing 30 days of first notice, etc. I am sure XXXX and CPA have records regarding my phone calls, and XXXX should have record of the resolution ( s ) I was led to believe were forthcoming, so the formality of writing on such a clearly baseless case did not occur to me. 

My wife XXXX and I XXXX have a very long history of excellent credit. It is ludicrous to suggest that we would jeopardize that by failing to return a part that should have been picked up at the time our TV service ended.

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 2020-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Company still reporting on my credit after it sold it to another company. Already paid the other company and keeping this negative item on my credit is stopping me from being able to provide my kids with a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Acceptance Solutions Group, INC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a pay day loan from Ohio Acceptance that according to Ohio law exceeded the max amount of a pay day loan and the fees and payments became excessive. And now they are taking me to court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Credit Protection Association, L.P.
State: WA
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:
On XXXX XXXX, 2016 I received a collection notice from Credit Protection Association L.P. stating that I owed to XXXX a " Service Balance '' and " Equipment '' fee totaling {$280.00}. The notice further stated : " Due to my your lack of response to our previous communication, your account will be reported to the credit bureaus after XXXX/XXXX/16. '' This is the FIRST such communication I have received ; there were no " previous communications ''. Furthermore, I have been making regular automatic payments to Wave and have the documents showing that I am up to date in paying for the services and for the equipment. When I contacted XXXX to inform them of the situation I was told that they would " investigate '' the issue. I also contacted Credit Protection Ass'n L.P. and spoke to " XXXX '' who assured me that the collection activities would be put " on hold '' pending a response from XXXX. I have heard nothing from any of these parties since then. I am XXXX XXXX XXXX, in poor health, and caring for my wife who is currently recovering from a XXXX ; I do not need this aggravation. Please look inbto this for me. Thank you.

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 2020-10-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My wife and I refinanced our existing XXXX XXXX  VA mortgage with another lender in XX/XX/2020. We completed the closing process and wired the required payoff to the title company within that same month. I received verbal confirmation from both the new lender and XXXX XXXX  representatives that the month 's mortgage payment did not need to be made, as a payoff request had been initiated prior. The payoff was completed, in full, and we were reported to all XXXX, Equifax, and XXXX  credit bureaus two weeks later. Several unsuccessful attempts were made with XXXX XXXX  and the three credit bureaus to remove XXXX 's " late '' payment since XX/XX/2020. The credit bureaus did not objectively review the statements and documentation, only deferred to XXXX XXXX  's statement. We, as the consumers, did everything under the advisement of XXXX XXXX  and the new lender, and in good faith, and completed our obligations on time. A detailed summary is provided in the attached documents, with amplifying information and substantiating documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The government is garnishing my check twice make it very difficult to pay my bills ... ..I am working for a non for profit company for 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Chaplain Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've called the credit bureau and disputed it several times the have said I owe to different amounts and then when I disputed it they sold it to a different company XXXX  XXXX XXXX XXXX XXXX got paid by the insurance company and still was trying to make me pay two different amounts

Company response to consumer: Untimely response
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
according to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted TransUnion XXXX or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XX/XX/XXXX of listed late payment 2. XXXX  XXXX XXXX, XXXX of XX/XX/XXXX listed late payment 3. XXXX XXXX, XXXX XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.

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 2022-09-16
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I started this account probably 3 and a half months ago and was having money from my paycheck put in it to save I never spent money out of the account, over 60 days ago I was informed that my account was blocked and when I called them they said the account would be closed in 60 days and I would receive a check with the remaining funds and they couldnt talk about it anymore and would hang up on me. Ive called them multiple times since then and have got hung up on every time havent received my funds and my account is still blocked. I dont have dates on my phone for the calls because my list doesnt go back that far. But there is almost 2000 $ in this account its also a Online bank and the nearest branch is in California and i live in Kansas.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was told that this old account was re-aged and sold to XXXX XXXX. I contacted XXXX XXXX and worked aggressively to pay this off within months by making doubled payments and large debit amounts as agreed by payment plan with myself and XXXX XXXX. I made the final payment before the plan was up because the rep and Account Manager told me the file would be closed and removed from my credit files. I have never received correspondence from them as paid in full or it removed from my credit files. I have sent them numerous goodwill letters and they have never responded. I would have never paid them in full and before the payment plan was up if they never agreed to remove this from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
EQUIFAX continues to fail to report two of my XXXX  XXXX XXXX accounts ending in # XXXX and # XXXX respectively and both open many years. In XXXX of 2020, XXXX XXXX opened up case # XXXX and continues to confirm that each month, they report both of these accounts to EQUIFAX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I also hold the Capital One business card something happened funny about this situation to cause me to lose my whole bank account cleared my account and took my {$50.00} and would n't open my account said I need to pay {$50.00} again in the corporate office reported that nothing was wrong with my account they had fixed everything back the way it was the bank say I do n't owe them nothing but I have a big amount right there showing that they sell old money and when I 'm clear day old XXXX XXXX card in the name of XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: CITIBANK, N.A.
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:
XXXX XXXX owns a debt from Citi Financial in my name. I beleive XXXX XXXX " relied on misleading, robo signed court filings to churn out lawsuits '' - CFPB Takes Action Against The XXXX Largest Debt Buyers For Using Deceptive Tactics To Collect Bad Debt. Published XXXX XXXX, 2015. This bad debt has been sold 3 times since from the original creditor ( CitiFinancial ). I also beleive that XXXX XXXX " misrepresented their intention to prove debts they sued customers over. " CFPB publication. Filing a debt collection lawsuit with out meaningful attorney reveiw, unlawfully misrepresents the attorney 's involvement in the case. I beleive the Certificate of Conformity submitted as evidence, by Attorney XXXX XXXX was " robo signed '' and that this bad debt was never properly validated with the original contract, my signature and account statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
I applied for a student credit card and was denied. I only have ( XXXX ) bad thing that has been on my report for 6 years and I was denied and I think it 's for credit discrimination. Everything else on my credit report is good and in great standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: ZENCO COLLECTION, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The company called my cell phone. They did not identify themselves as a debt collector, or that the call was regarding the collection of a debt. 

They said that it was a legal matter that was attached to my social security number, and that they were going to be taking it in front of a judge in XXXX XXXX, FL, where they claimed they were at. He also claimed that XXXX XXXX, was working with them, and that was why they could send out police here in WA. XXXX XXXX threatened to have the police come out to our house, and that I would end up with a felony on my record. 

When we tried to inform XXXX XXXX not to call us anymore, and that he could send us anything he liked via XXXX Mail, he repeatedly talked over us, and began to yell. At this point we hung up on him. He then proceeded to call back XXXX additional times, and continued being belligerent, yelling and at one point he told someone " they do n't know what they did, she 'll end up with a felony ''. He seemed to be speaking to someone else where he was and had n't realized that the phone had been answered. 

We called them back, to get specific information on exactly what account and who the account was with. When they answered the phone they made it seem like we had reached some type of law firm. We were then transferred to someone who claimed to be a supervisor. Her name was XXXX and she said her badge id was # XXXX. XXXX XXXX said the debt was from Household finance, while XXXX said it was from XXXX XXXX, from 2005. No account numbers were given. 

When I informed XXXX that I was not working, and that we did n't have any money, she said " Well your husband can pay for it. '' When informed that he is on XXXX, she said " Well we are not trying to go after someone 's social security. '' Then she asked us about how we paid our rent, and when told we were moving, she then hung up, without " goodbye '' or anything. 

This debt does NOT appear on my credit report, and I haven't't used the name XXXX since 2005 XXXX when I was divorced.

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 2017-05-01
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I RECEIVED A NOTIFICATION THAT MY CREDIT DROPPED  XXXX  POINTS DUE TO A NEW " COLLECTION '' ADDED TO MY ACCOUNT. WHEN LOOKING AT THE INFO. I PAID MY BALANCE OFF WITH THAT COMPANY BACK ON  XXXX / XXXX / 2017 . I DO NOT OWE ANYTHING TO  XXXX   XXXX . I HAVE INFORMATION SHOWING I HAVE A  XXXX  BALANCE AND OWE NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have attempted to reach out to this company on several occasions each month since XX/XX/2021 I was subject to an approved Covid forbearance period as I was impacted by Covid due to loss of employment. After the Covid relief expiration I completed the application process for loss mitigation. They continuously state they dont have my application coded and or being received despite multiple emails sent attaching the application & several calls to ascertain its standing. Upon calling this company they dismiss my complaint and or terminate the line. I called them back and representatives are unprofessional and I am unable to successfully satisfy any communication concerns via phone with this company. I have several emails asking for their support and their due diligence in addressing and mitigating the loan issues and they have not been helpful!

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 2015-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Other

Complaint:
Capital One has refused to update my credit report by removing the " In-Dispute by Consumer '' or " Account Disputed by Consumer '' and it is delaying the purchase of my new mortgage. I have EXCELLENT credit scores averaging XXXX across the board, with NO derogatories, and this In Dispute status is costing me from being processed. I spoke with XXXX different people at Capital One credit card in the past 2 weeks and each person said that they would send something forward to remove the status and there is no change. I understand that pursuant to the The Fair Credit Billing Act requires that you list correct statuses of my accounts on ALL XXXX major bureaus, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. 
The account in question : CAPITAL ONE BANK USA, or CAP ONE Acct # : XXXX. There is nothing to dispute since there is no negative history, no incorrect balances, and the items are reporting positively. This is just laziness. For that reason, Capital One must forward a notarized statement on your letterhead which will attest to your compliance to the FCBA and FCRA generally and to my account specifically throughout the period I have been a customer. Otherwise, delete the negative marks you have reported to ALL XXXX consumer reporting agencies within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Suntrust ( now Truist ) is advertising " no origination fee '' refinancing. 
https : //www.suntrust.com/home-mortgages/current-rates There is indeed an origination fee ( relabeled as a " processing fee '', {$980.00} in my disclosures ). 

I was also unhappy that after I uploaded my taxes and bank statements as part of the application process, I was required to sign an agreement to allow Suntrust/Truist to share these sensitive documents with other companies for various reasons, including marketing. It is within 3 days and I wish to rescind this agreement and cancel my application. It seems there is no way to do this, as the sole contact person has no idea how this would be done. I have been unable to reach anyone at the company that can help.

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