BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am being charged a debt for a company that I have never had a bank account with. I was contacted on XX/XX/2017 in regards to paying the debt. I asked for verification regarding this debt because the only two banking institutions I have ever had were XXXX and XXXX ( located in XXXX, GA ). I was told by a friendly rep that a dispute claim would be opened and I would receive a call from the agent assigned to my case. It never happened. Under the Fair Credit Reporting Act, I have the right as a consumer to dispute inaccurate information and you must comply and support this inalienable right!

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 2016-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I attempted to apply for an auto loan on XXXX XXXX, 2016. Capital One Auto Finance failed to call and verify my personal information before running a credit report. I have asked in writing to remove the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Late fee

Complaint:
I have a Capitol One XXXX XXXX that I pay every month with on line bill pay. I do not get statements from them either paper or email. If I want to see my statement I have to go on line and look for them. This is a big part of the problem. I pay them {$75.00} a month every month to clear my balance which was about {$2000.00}. I have this set up in my bank 's bill pay to automatically arrive on time every month. 
In XXXX of XXXX I made a payment of {$35.00} instead of my usual {$75.00}. Unfortunately the minimum due was {$39.00} which I did not have a statement to see. Since I paid {$4.00} under the minimum due I got a {$35.00} late fee added to my account. The next month I went back to paying my {$75.00} a month not knowing I was getting a late fee and added interest EVERY MONTH for the last 18 months because they never sent me a letter or called me about my account. I just happened to go online in XXXX of XXXX expecting to see my balance almost being cleared. You can imagine how upset I was, how angry I was when I saw that my monthly payments were getting taken up by late fees and added interest every month and all the months of on time payments being made for more than the minimum due had gotten me nowhere because of a {$4.00} typo when I paid my bill in XXXX of XXXX. I have never even missed a payment on this card! I called Capitol One and the representative gave me credit for {$210.00} XXXX 6 months of late fees ) and {$94.00} in interest payments. While I appreciate the gesture it is not enough. I wrote a letter to XXXX XXXX at Capitol One and received form letters talking about late fees and interest and saying that I would not be getting any more money back. I called Customer Service again and was told that XXXX XXXX has the final word and nothing more can be done. I have been charged {$590.00} in late fees not to mention all the interest that I should not have been charged. All because of a {$4.00} Typo! And they never sent me a letter or bill, OR called to let me know there was a problem with my account. This is just wrong! Please do what you can to help me correct this injustice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Lvnv Funding I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against LVNV Funding in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Account # XXXX CFPB CASE NUMBER XXXX Respond not fair enough Dear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accounts And maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to Account # XXXX with the major credit reporting agencies. 
Although I made a late payment on XXXX XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payments I am requesting deleted and / or removed occurred on XXXX XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
I am keep sending request until get fair resolution Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: PENTAGON FEDERAL CREDIT UNION
State: WI
Product: Credit card
Issue: Balance transfer

Complaint:
Dear CFPB Staff : Tempted by an offer in XXXX 2016, I initiated a balance transfer with Pentagon Federal Credit Union, and wanted to transfer {$1300.00} from my XXXX XXXX credit card ( XXXX XXXX card ). Three months and hours of phone calls later, I still have a debit balance on my PFCU account for the {$1300.00} transfer, but never benefited from the transfer at all. We did determine through phone conference calls that PFCU put the wrong account number on the check they sent to XXXX, who claims to have sent the check back to some other account holder ( due to the wrong number on the check from PFCU ). XXXX then offered to stop payment on that check and mail another check to me, which I would then remit to PFCU so they could remove my debit. That was three weeks ago and I am tired of waiting. 
[ Find below a recent email from a PenFed representative. ] XXXX XXXX XXXX PenFed CU customer XXXXXXXXXXXX XXXX XXXX Dear XXXX XXXX, I apologize that this situation still has not been resolved for you. When we last spoke with XXXX, they said that they were going to issue a stop pay on the check they issued back to PenFed and then issue a new check payable to you. I am happy to assist you in making another call to XXXX 's in regards to the check that were supposed to be sending you to see if we are able to get a status on it. As you know, XXXX will not speak with me about this issue without you being on the phone and giving your consent for me to speak on your behalf. Please let me know if this is something you would like to arrange. If so, please give a day and time that will work for you for us to call them together. Once we receive the check I assure you it will be backdated to the date of issuance. 
Again, I apologize for all of the inconvenience this matter is causing you. I will continue to do what I can to assist you in getting this matter resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX | XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX PenFed.org ] XXXX XXXX XXXX PenFed CU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Byrider Franchising, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car from JD Byrider XX/XX/XXXX. XX/XX/XXXX the vehicle was damaged in a severe storm. The insurance company claimed it was a total loss. The company asked and I agreed to continue to make the payments until the claim was completed as good-faith. When the insurance company 's adjustment was completed the difference between what was owed on the loan what they would pay ( the replacement cost ) was over {$5400.00}. After several attempts by the company to pressure me into another similarly over-priced vehicle I declined. I, instead opted for an agreement that I would pay the {$500.00} deductible and the company would forgive the balance after receiving the it along with the {$6400.00} check from the insurance company. I asked for this in writing and received it a few weeks later. When it was confirmed that the insurance company 's payment was made I attempted to pay the deductible and asked for a release of debt letter but was turned down by the woman at the payment office. She said that I owed {$5400.00} before I could get any release from my debt obligation. After numerous attempts to get the company to honor their agreement that was in writing I noticed that I had a charge-off on my credit report. Many months later they continued to not honor this agreement and my credit was severely impacted. I also notice that they had listed it a second time on my report from a different office. XX/XX/XXXX I contacted this second location hoping to get some relief and a reversal of this erroneous credit rating. After reviewing a copy of the letter the second location agreed that they would accept the payment and restate on the credit report paid in full as agreed. To my astonishment a week later the account was reopened as now paying. When I contacted the location again I was being lied to and the issue has not been resolved. I am now pursuing legal action as this has cost me tens of thousands in additional interest because of the negative impact on my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Continental Finance Company, LLC
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I REQUESTED ASSISTANCE FROM CONTINENTAL FINANCE IN REGARDS TO MY CREDIT CARD ACCOUNT. I WAS NEVER LATE UNTIL THE LAST FEW MONTHS. I WOULD LIKE TO BE OFFERED A SETTLEMENT OR A REPAYMENT PLAN THAT WILL PAY OFF MY ACCOUNT AND REVERT IT TO CURRENT AND PAID OFF ON MY CREDIT REPORTS. I HAVE REACHED OUT TO CONTINENTAL FINANCE WITH NO RESPONSE.

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 2016-07-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XX/XX/2015, a fraudulent charge was added to my credit one account. I disputed the charge and it was removed. I then paid off and closed the account. A few weeks later more charges were added, including interest ( On a closed account? XXXX ), and a month later, the original fraudulent charge. I called them multiple times asking them to take care of it, they never did. One time they told me i reauthorized the charge, I asked for proof, they never sent any. I 've written formal dispute letters, they never responded. Of course i didnt pay this bogus charge, and as a result, they sold my account to a collections agency, LVNV? I called then today, and boy were they nasty. They claimed i made a payment on XX/XX/<YYYY> for the amount of the balance which is bogus. If I made a payment for the balance then why would there still be a balance? That does n't make any sense, theyre just trying to make the debt look valid. They said they would send a form to XXXX, to validate the debt. But I 'm tired of all this. I 've tried so many times and they do n't do anything. I want proof, I reauthorized the fraudulent charge. Not just XXXX word for it. I want an audio log of me reauthorizing said charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
To Whom It May Concern : When I try to access my prepaid rewards card account I am told that I must answer 4 security questions. First of all, none of the XXXX XXXX Q.s apply to me, and second, why would I share my personal info with a 3rd party, Fidelity National Information Services, which is not XXXX Bank where I have an account and earned the rewards?!! 

In any case, this is more security than I have been asked for by any bank, and it only makes it much harder to use the card, so Fidelity National Information Services can subtract more fees, or force me to call to find out my balance ( which I need to use the card! ), and then be charged even more fees. 

It is common knowledge that these prepaid " reward '' debit cards are a giant scam by the financial industry : I suspect that a large % of the value of these prepaid cards is lost by consumers due to these perverse tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: GMA Investments, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Have been receiving calls from XXXX at Summit Receivables ( XXXX & XXXX ) regarding a debt for XXXX XXXX XXXX at phone # XXXX. The phone number is my XXXX number that I have had for over five ( 5 ) years, but I do not know the above mentioned XXXX . XXXX. Today was the fifth time the agency has called and the fifth time I told them that there is no XXXX . XXXX with this phone number. Please advise how I get them to stop calling me!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX, XXXX and now, attorney firm, XXXX XXXX XXXX XXXX. have violated multiple federal and state statutes. 

One of which relates to the submission of my complete loan modification package. This was never acknowledged, processed nor decisioned by any of these entities claiming ownership at various points in time of the account. To this day, it is unclear as to who the real owner of the account is? 
Also, there have been countless illegal, fraudulent and improper collection attempts made on me, my wife and my minor children in writing, telephonicaly and also in person by a XXXX man that literally interrogated my wife and XXXX children multiple times in our front yard about collecting monies, non of whom have any obligation whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Credit Bureau of Lancaster County, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This bill is from a hospital emergency room as a result of a car accident that the insurance company should took care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage Company XXXX XXXX sold my loan to Green Tree Servicing LLC, Green Tree Servicing LLC was purchased by Ditech is now called Ditech. I have not and did not receive any information regarding this company name change and also have not received any correspondence from Green Tree Serving or Ditech in reference to my Mortgage Loan statement or Balance due since XX/XX/XXXX. I 'm currently in he process of loosing my home due from loss of income XX/XX/XXXX and have been working with Green Tree Servicing LLC since XX/XX/XXXX to resume my mortgage loan obligation since re-employment XX/XX/XXXX. Green Tree has denied me every program advertised to prevent foreclosure. I am currently working with Indiana XXXX XXXX XXXX and very positive this is my last chance to save my home due to working with clinic exploring all prevention possibilities that my own mortgage servicer could not or would not. It has been very difficult communicating with Ditech, there mission is to Foreclose on my home and not work with me now that I am employed and can resume monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
All credit bureaus have removed an open account XXXX energy from my credit report without my permission which has resulted in a significant drop in my credit score and I believe it 's in retaliation to me contacting this office. I never mentioned XXXX energy in any disputes with any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan was sold off to Greentree with clear directions for taxes to be paid from our escrow account. XXXX months after Greentree took over we received a late tax notice from our county treasurer. The loan documents given to Greentree at the time of transfer clearly state that taxes are to be paid through escrow. Greentree took not only a lump sum escrow payment at transfer ( specifically for taxes ) but has also been collecting escrow money from our monthly payments ( specifically for taxes ). When we called to see why Greentree was not paying our taxes from escrow we hit a wall of ineptitude and rudeness. Greentree required we send a copy of our late tax bill to their escrow department even after verifying that the original loan documents did indeed state that taxes were to be paid from escrow. Why are customers required to clean up the messes of Greentree when it 's their backwards company policies that are causing these issues? Why do consumers have no say on who buys their loan from their original servicer? Why is Greentree allowed to still do " business '' even after settling with the government for just such infractions? A horrible company with horrible staff. Steer way clear if you have any choice in the matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: RGS Financial, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
About three months ago I opened a Email saying that there was a problem with my account with XXXX and that I need to sign on my account to verify my balance and other things, my BIG error was that I clicked on a link on that same email and tried to log on my acc. obviously they collected that info and on that moment a message appeared saying that I could not sign on a show me some challenge questions, still I could not sign in because it was not a real website, OMG, that was how they got a hold on my info and identity, I do n't know at what extent o how much info they could get. now, today XXXX/XXXX/2015 I got a account statemen from RGS Financial Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX. XXXX XXXX XXXX, stating that I owe XXXX, RE : XXXX XXXX {$150.00} Dls. demanding its payment, and I am scared because I feel that this is only the beginning, XXXX knows what else they will be trying, so here I am on my knees praying to XXXX and you guys to help me as much as you can. thank you for your assistance. 
P.S. I was always on time with my payments to XXXX XXXX XXXX and never received any notice of delincuency on my payments. thanks.

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 non-monetary relief
Consumer complaint received 2015-03-19
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We mortgaged our home with XXXX on XXXX/XXXX/XXXX. XXXX assigned the loan to XXXX Bank. XXXX transferred the loan to XXXX on XXXX/XXXX/XXXX. XXXX escrowed {$26000.00} from XXXX XXXX to replace our XXXX. XXXX released {$8900.00} on XXXX/XXXX/XXXX. The XXXX replacement was completed by XXXX XXXX on XXXX/XXXX/XXXX. XXXX transferred the loan servicing, including the insurance escrow funds, to Green Tree Servicing on XXXX/XXXX/XXXX. Green Tree did not advise us that they had the XXXX escrow funds and has refused to release the escrow funds to pay XXXX Roofing.

Company response to consumer: Closed with explanation