BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-18
Company: Pinnacle Credit Services, LLC
State: GA
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:
Account listed was a fraudulent account opened in my name by my ex husband. I paid the account in an attempt to remove it because I thought it would be the quickest way to resolve the matter. Since that time I have repeatedly asked them to remove the information and they continue to deem my communication letters to them as frivolous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Pinnacle Credit Services, LLC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company continues to try to collect a debt that was canceled by the original creditor and removed from my credit report. The debt is from XXXX but the company continues to report to the credit bureaus that this was a new account open in XXXX. Please have pinnacle provide proof of what they are reporting to the credit reporting agencies. Also I 'm working with officials in the ct consumer protection and ct judicial system to summons pinnacle to court and I 'm am looking for a legal contact number for the company. I was forwarded to a bogus lawyer who sounded like he just woke up and stated he did not work for the company. The company has over several thousand complaints for fraud and non compliance with the federal credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Pinnacle Credit Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Pinnacle Credit Services is repeatedly calling my mother-in-law, threatening that I am going to jail. I have never received verification or validation that this debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Exeter Finance Corp.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
We requested just XXXX form Exeter Crop, but Exeter refused to proved us with XXXX form. We need the a XXXX so we can refinance at with lower rate with XXXX XXXX. Because we not happy with hight interest rate which is 14.7 % when have much lower interest rate with XXXX. We do have above average credit. A XXXX Form is a common request between companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: FIRST ADVANTAGE CORPORATION
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A XXXX ran a background check on me and you 're reporting that I 'm a registered XXXX. This is absolutely inaccurate and I want this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I already filed a complaint and this is the answer I got from SLS. Exactly what I said they were doing. Forcing me into forclosure. I filed a dispute as well and this is their answer to the dispute. Do I have any help out there???????????? 
Sincerely, 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 2016-06-16
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. We had a home mortgage with SLS as the servicer. No notice was filed with the bankruptcy court pursuant to XXXX indicating that there was any money owed on our second mortgage with SLS. No notices were filed in the entire case that indicated any fees were due. After requesting our payment history I found out that fees were charged on my account ostensibly related to the bankruptcy on XXXX XXXX, XXXX and XXXX XXXX, XXXX more than a month after our discharge. Neither fee was ever disclosed to us and we only learned of it when it showed up on our bill. This appears to be an improper collection of fees without providing the required notice.under the law.

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 2015-12-01
Company: Churchill Holdings, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX we submitted a loan application- they messed up on the application. we re submitted another application, after waiting 3 weeks we were notified they lost our application. we refiled another application another 40 days we have now been notified they are not putting the loan through. the advised us not to pay things have have finacially put us in a bind.This was through XXXX XXXX at Churchill mortgage in XXXX michiga

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-16
Company: Centric Asset Management Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Centric Asset Management has been calling my work phone and leaving messages that state XXXX legal actions are about to be filed against me. The last call was from their " Chief Investigator for Pre-trail Processing ''. They state that not calling them forfeits my rights and they are going to contact my company 's XXXX department. Also by not calling them it is documented as a " refusal '' on my end and that the cases will move forward in XXXX County ( Minnesota ). 

All of my debts were discharged in a Chapter XXXX bankruptcy in 2014 and I feel as if they purchased uncollectible debt and are using scare tactics to illegally extract payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The alleged law firm that is n't licensed in California called me at work and on my cell phone threatening to sue me. When I told him I would call him back because my debts are with debt management company, he would not give me his information. He would not give me any information other than the amount I owed on the payday loan with 99 % interest ( yes, 99 % interest ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After Amerihome Mortgage Company LLC failed to contact me about the status of my property tax payments for 2016, I contacted the company customer support line. I received information that my local and county property taxes had been paid to the amount of {$1200.00} and {$640.00} in early XX/XX/XXXX. However, my mortgage payments for the year ... the part included as escrow to cover my estimated tax payments, exceeded this taxable amount. The total was {$3300.00} so I am due a refund, was assured that the Tax Department was working on my case and that they would issue a refund check. 
AmeriHome has not attempted to contact me, other than to send the monthly billing statements so I contacted the customer support line once again. I was told by customer support that that my situation had not been reviewed and that I would need to wait for this review process to take place before receiving my due refund. I asked to speak to a manager or supervisor, was put on hold for 5 minutes and then I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Convergent Resources, Inc.
State: IL
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 paid a settlement amount of {$190.00} on XXXX XXXX, 2016 and I was told that this account would be taken out of collections within 7days. Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone stole my personal information and identity and opened a account with XXXX XXXX XXXX. Credit Collection Services is the debt collector for XXXX XXXX XXXX. This account is fraudulent and do not belong to me. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. Please review attached supporting documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working on a short sale for 2 months and it does not appear that anyone is diligently working on it. They have lied to me several times regarding the order of the property value and neither the negotiator nor the manager has returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: CCS Financial Services, Inc.
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 resulted from identity theft

Complaint:
I recieved a letter from a debt collector who works for XXXX to collet a debt of XXXX The colloctors phone number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card
Issue: Balance transfer

Complaint:
I AM XXXX XXXX AND I WANT TO TRANSFER MY BALANCE WITH MY CREDIT CARD COMPANY. I HAD A XXXX CREDIT LIMIT IN 2015 AND EVERYTHING WAS FINE. WITHOUT ME ASKING FOR AN INCREASE CAPITAL ONE INCREASED IT TO {$3300.00}. NOW I AM NOT ABLE TO PAY ALL THE INTEREST AND OTHER FEES CONNECTED TO THIS CARD. I NOW OWE OVER THE CREDIT LIMIT AND WHEN I MAKE PAYMENTS THEY ALL GO TO INTEREST AND THE FEES. I CAN NEVER GET AHEAD. WHEN I CALL THEM WHICH HAS BEEN OVER 8 TIMES THEY SAY THEY CA N'T TRANSFER MY BALANCE TO THE CHEAPER 0 % ON A BALANCE DUE. IN OTHER WORDS THEY SAY THEY CANT GIVE ME THERE OFFERS OF 0 % BALANCE FOR MANY MONTHS. WHY WOULD THEY WHEN THEY KEEP CHARGING ME OVER {$70.00} EACH MONTH IN FEES AND INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
trying to log in to my bank for almost week. I called 3 times and get the same XXXX XXXX people are aware of the problem, and they are working on it.. I need to get in to my accounts. I have to pay bills etc. I do not think that their issues should affect me..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt does not belong to me. I do not have an XXXX account. My business did business with XXXX for 15 years. I hade a dispute for Long-distance charges that were charged to our account in error, XXXX made a connection error on a remote-call-forward causing a {$.00} charge for every call placed to the remote call forward connection. The service was there specifically to avoid these charges. They made an error in it 's set up and the XXXX people that were in charge of billing did not understand the technical error the installation people had made. Due to the confused people I spoke with I was left with disputing the error over and over again. Now again, ENOUGH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Other

Complaint:
i HAVE XXXX ACCOUNTS FROM USAA THAT I HAVE RECEIVED AN XXXX FROM. YET THESE ACCOUNTS ARE STILL POSTED ON MY CREDIT REPORT. ACCOUNTS ARE XXXX AND 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 2015-05-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
To begin with, prior to entering into a vehicle loan agreement with TDAuto Fiance in conjunction with XXXX, my previous vehicle was stolen during my XXXX in College and at a Part-Time Job ( XXXX per week ). I was in dire need of a vehicle because of the high demand of my day-to-day daily hassle of being a XXXX student. Unknowingly, I was giving a 2010 Ford Fusion that had a history of XXXX accidents, which the bank or TDAuto Finance was unaware of during the time of sale. In other words, in my part without due diligence, I was lead to believe that the loan value uphold the same book value of the vehicle at the time it was purchased. Moreover, in my attempt to travel abroad, I have been unsuccessful in many ways to obtain a new owner because of the validity and lack of integrity of the sale that was made to me. As a result, I have been left to voluntarily surrender the vehicle to auction ; otherwise, repossession, which is a mark that will hinder my credit report negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/2016, I deposited a cashier 's check issued by XXXX XXXX, in the amount of XXXX XXXX in my TD Bank branch in XXXX XXXX, NJ. Days later, XX/XX/2016, TD Bank sent me a FOREIGN COLLECTION ADVISE stating, among other things, that " your account will be credited the then current exchange rate less our fee of {$17.00} and any fees assessed by the Foreign Bank. '' The XXXX XXXX was finally credited on XX/XX/XXXX at an exchange rate of XXXX, for a total of {$39000.00}. This was even confirmed in writing in a CREDIT ADVICE dated XX/XX/2016. 

Clearly, the rate of exchange applied by TD Bank was lower than what the XXXX-Dollar rate has been for the entire month of XXXX, ranging from a low of XXXX on XX/XX/2016, to XXXX on XX/XX/2016. On XX/XX/XXXX, the rate of exchange XXXX-Dollar was XXXX, as reported by financial websites. 
As I see it, TD Bank willfully miscalculated its conversion in order to benefit from it. To hear its XXXX Branch Manager, XXXX XXXX, argue the case that TD buys " in bulk '' holds no water. It 's pure nonsense and TD must own up to this attempt at defrauding me. 

At the XXXX XXXX-Dollar rate of exchange in effect on XX/XX/2016, the amount of XXXX XXXX should have been converted @ XXXX XXXX less {$17.00} TD fee and {$84.00} Foreign bank fee, as stated in the Credit Advice. After deducting those XXXX fees, {$17.00} and {$84.00}, the amount to my TD checking account should have been {$41000.00}, NOT the {$39000.00} credited. 
TD Bank under credited my account by {$1600.00} I would appreciated your assistance in having the unpaid balance of {$1600.00} remitted to me. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXXXXXX TD Acct. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX refuses to to refund my money which comes to {$120.00} for antivirus software I tried to download but couldn, t but they charged my credit card anyway.I notified them XXXX times but they stopped answering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Chase Bank has stalled for 5 years on a modification. It has added enourmous amounts of fees to my account. If in 2010 they would not of sent me a letter telling me to be 90 day late on my mortgage, I would not be in this position today.It has been 5 years of XXXX. Speaking with someone different every time you call, to no answer for weeks at a time. In California we are to have XXXX point of contact and there has been XXXX in the last 10 months. My loan was origiated with Washington Mutual and they have yet to prove how and when they aquired the loan. Now after 5 years they tell me XXXX XXXX owens my loan not them. They have encased over {$150000.00} in extra fees on my accout because of their incompetence. When we whent to refinance in 2010 from an ARM to a fixed they continued to turn us down, even though we had perfect credit, saving in the bank and permenant jobs. This bank has stalled and stalled this process way to long. We did not over extend our finances. Now they have us over extended and in a hard place.Title on our home is so clouded no agent want to touch the process if we wanted to sell. This bank is evil. They play games for months on end putting peoples lives in turmoil, I am beginning to think they like to do this so people will just give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I believe I have Genesis loans from Corinthian Colleges and would like to know if they were included in the CFPB settlement. 
Name : XXXX College - XXXXAddress : XXXX XXXX XXXX. XXXX XXXX, CA XXXX

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 2015-09-10
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Rewards

Complaint:
I opened a Amazon.com rewards card in 2006 which I used solely yet sparingly for Amazon purchases. I accrued {$66.00} in rewards and yesterday went about to redeem the rewards online. I was shown that I do indeed have {$66.00} in rewards but that my credit card account had been closed unbeknownst to be and to call customer service. I called to inquire and spoke to a supervisor who informed me that my account had been closed by them automatically. I never received proper notification that the account was being closed nor did I want the account closed. I was informed that because the account was closed I could no longer redeem the rewards that I earned. I feel that I should be mailed a check for the amount of rewards as it was their choice to close my account not mine and I did not receive proper notification. I feel there is no valid reason earned rewards should be retained by Chase and they should benefit from closing my account without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I am submitting this complaint against Chase credit card because they have been unwilling to work with me in resolving a credit card debt issue involving my mother 's account. 
My XXXX old mother recently suffered a XXXX XXXX and had XXXX. As a result, I was forced to become involved with her financial affairs. ( She previously would not allow me access to her finances ). I have discovered that she had lost all her investment assets a number of year ago, that she receives minimal income through alimony and social security payments and over a period of time as accumulated significant credit card debt. After analyzing her income, living expenses ( including rent ) and her credit card minimum monthly payments, it is clear she is barely keeping her income ahead of her expenses and that she will never be able to pay off the credit card debt. 
I contacted XXXX attorneys and XXXX advised to default on the cards. However, out of concern for her health and well-being, I am reticent to have her final years spent ducking creditors. Both my wife and I have power of attorney to manage her affairs and proceeded to contact Chase to see if there was any ability to lower or eliminate the excessive interest fees and reduce the balance. 
The Chase credit account is a closed account - she can not use it for purchases. It is unclear when the account was closed ( the history on line extends back to XXXX 2010 and it has not been used for purchases in all that time ). The outstanding balance in XXXX 2010 was {$28000.00}. Since that time, she has paid a total of {$50000.00} to Chase and has been charged an additional {$39000.00} in interest. The APR is 27.49 %. Her current outstanding balance is {$17000.00}. The latest Chase statement notes that the balance will be paid off in 30 years ( when she is XXXX ) if she continues to make the minimum required payments which as I explained she is barely affording to make. 
My wife and I contacted Chase to determine if they would review the account and treat it more fairly. The phone call lasted for over two hours, we were transferred back and forth to different departments, each time having to re answer the security questions and re describe the problem. We tried to reach supervisors etc. No one would offer any relief of any kind. From what we can determine she has only 'bought interest ' for more than 6 years. 
We are very concerned about her ability to continue to stay ahead of her expenses under the current conditions ( or worse, if her XXXX old former husband dies and there is no more alimony income ). and are shocked that Chase, in their own self-interest would not be able to recognize the reality that the balance will never be paid off. This feels like a form of elder abuse.

Company response to consumer: Closed with explanation