BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-04
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX of the bank card on my account was deactivated due to possible fraud charges on XXXX. We were not informed in any way by our bank BBVA Compass. Finally on XXXX I went to XXXX of local back location to be told why my bank card was not working. At that point the manager told me that a replacement card was reissued and it should be available in XXXX business days. so we waited. On Saturday XXXX I made a call to customer service. the first rep XXXX disconnected after she verify my account. than i called back. when I called back ( i did n't get that reps name ) she verified my account explained my issue. She told us that no card was ever reissued. I request it be expedited with no charge to us. that rep said she need to verify with the person the card is made out to. when my husband got on the call she had hung up. When I called for the XXXX time, I explained the whole situation to rep XXXX. he placed us on hold for a manager. He checked back once. that at XXXX CST, he hung up on us again. NO rep ever tried to call us back. because it was now XXXX all of BBVA Compass banks customer service were closed for the day. for us to get this issue resolved on Saturday and we had to wait until Monday to call back to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had repeated issues and concerns with LoanCare. I recently refinanced with a different bank, and in spite of paying off my loan with LoanCare and stopping my automatic payments, LoanCare continued to withdraw funds from my checking account ( over {$1500.00} ). I called LoanCare and they explained that automatic payments were not active on my account, nor did they have any credit on my account reflecting the payments that were still being withdrawn from my checking. I called my bank and they explained that the money was indeed being withdrawn by an external party, namely LoanCare ( it says it right there in the transaction description ). My bank is blocking LoanCare and reimbursing me for the amount that LoanCare claims not to have.

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 2015-08-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
they put my sons collections on my report he has the same name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: I.C. System, Inc.
State: CA
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:
XXXX account was paidin full with call ctr on XXXX XXXX, 2012 company reported as unpaid and in collection. I have copy of payment taken from my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Locate Services LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency is " Location Services LLC '' located in Ohio. On XXXX/XXXX/2015, I spoke with a representative from Location services who claimed that I needed to set up payments for a balance of XXXX that I owe to XXXX. XXXX has gone into my bank account and taken payments on a balance that I owed them from the original loan of XXXX. XXXX even sent a letter to me stating that I only owed them XXXX and if I were to bring that payment in to them that I would be eligible to re-loan with the company. 
When I questioned the representative from Location Services about the balance his reply was " I dont know either '' and he hung up the phone on me after I explained to him that I dont owe that much from XXXX and that they received payments directly from my checking account. To me it seems as though this collection agency is trying to collect funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: ISIS SECURITY INFORMATION SYSTEMS INC.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacting this company for about 3 years to dispute this account. I told them time and time again that I indeed had XXXX insurance and they did not bill the correct insurance. I was finally able to get a copy of the proof that i had medical assistance during this time period. Here is the response that Universal Collections sent me " XXXX XXXX indicates in her notes that she had XXXX as her secondary insurance for the Date Of Service in question. She never provided our office with this information prior to this. If that is indeed correct, we request that she provide our office with proof of that insurance for the date of service XXXX/XXXX/2011 and we will expunge this debt from her credit bureau files ''. The point of the matter is that Universal Collections never provided any validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
I wrote a letter to Capital One on XXXX XXXX, XXXX, explaining that they were reporting GOOD information for a Capital One/ Sony account circa XX/XX/XXXX on my XXXX and XXXX credit files. This information is not showing up on my XXXX credit file. I REQUESTED THAT THEY ADD THIS INFORMATION TO MY XXXX CREDIT FILE. NOT REMOVE! 
What happened next : I received a letter from Capital One dated XXXX XXXX, XXXX. The letter was a generic statement letter ... " We agree that there is incorrect information on your credit report, so we asked the credit bureaus to remove this account from your credit report. '' Accounts in good standing remain on credit files for 10 years or indefinitely. This account was never delinquent. This is WHY I was requesting this information be added to my XXXX report ... it is already on XXXX and XXXX. 
I understand if Capital One does not want to report this information on XXXX, but by removing this information from XXXX AND XXXX will cause my CREDIT SCORE TO DROP. This will affect my scores by way of the credit mix ( i.e. types of loans mortgage, equity & installment ) and length of credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was recently sold to LoanCare LLC and my first payment to them is due 5 days from now. I have tried to setup an online account so that I can make my payment on time, but their system tells me my loan number does not exist. I have tried to call customer service but have been unsuccessful in reaching anyone. I left a voicemail which has not been returned. I also submitted an email through their website, which has also not been returned. In short, this company has completely ignored my existence and I am very afraid of what they will end up doing to my credit score due to their incompetence.

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 2016-05-09
Company: Taylor Pigue Marchetti & Blair, PLLC
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:
The Law Offices of Taylor, Pigue, Marchetti and Blair, PLLC had, for several years, garnished my wages while I worked for the XXXX. We have asked them repeatedly for a full accounting of all monies received and how they were applied and they have failed to respond to my request. It seems instead of the debt being reduced it continues to increase. I retired from XXXX in 2015 and am currently unemployed - it is imperative that I know how much money they have received and how it was applied, so I know how to move forward.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have asked Account Resolution Service to send me validation of these debts they continue to report to the XXXX major credit bureaus. They have failed to send me anything that is contractual binding of me to pay this debt instead I got a letter on their letter head stating I 'm to pay this debt. How can a company, just say you owe something without any supporting signed documentation? I 'm writing to you for relief from Account Resolution contuining to report false information and exhortation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: LendingPoint Holdings LLC
State: SD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am getting XXXX & will be on XXXX effective XXXX XXXX 2016 for XXXX days. I called the lender to verify they received the information & no one there is familiar with SCRA & how to apply the benefits to the loan. I submitted my XXXX on XXXX XXXX 2016 along with a request to provide the benefits to my loan. I had not received a response as of XXXX XXXX 2016 so my wife called to verify if they had been received. The representative informed her they received some paperwork from the XXXX but had no idea what SCRA was. He had never heard of it. He informed her a compliance manager would call her back. My loan id is XXXX. I would like to get this resolved before I leave the country.

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
Consumer complaint received 2017-02-12
Company: Factor Trust
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I applied on XXXX XXXX, 2017 for a lease with XXXX, and the application was denied in part on information received from Factor Trust. When I requested a copy of my credit report from Factor Trust, Factor Trust refused to provide me with the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-10
Company: Halsted Financial Services, LLC.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by Halsted financial services.I asked if they could send me a copy of the paperwork that determined I hold the debt. They refused to provide me with the paperwork as well as hung up on me. I called back XXXX 4 times after being hung up continuously. After finally speaking with someone and requesting the documents again I was told no multiple times and that I would experience wage garnishments as well as being sued in court if I did not settle the debt immediately. I again asked for the proper documentation that showed I owed the debt the representative refused to send me the paperwork. I asked to speak with their supervisor and was immediately told no that is not possible at this time. I said I will have nothing further to discuss with you until speaking with your supervisor I was hung up on. I 've been called back and got the company name to file the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
A credit collection agency attaching privacy statements which I have not signed nor have I given authorization for them to use my ss number and information. They need to provide something I signed with the originator that states that they are allowed to seel my information to a third and fourth party. They claim to be attornies but they are representing a firm that goes under XXXX names, and send collection statements under each name when in essence it is XXXX and there is a class action law suit against them. I was making payments on my Saks Credit card but they had already sold my account ( XXXX XXXX still work for XXXX and was able to see that I was making payments while XXXX sold the account and only kept XXXX and laid people off ). As a result I will sue whomever is involved for using my information my account my data which already should be archived. It is illegal to use my name ss number and data when I did not authorize it. The privacy notice is bogus and not acceptable it is my data! And they sell my data THAT IS FRAUD!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a request for XXXX document for my condo on XX/XX/XXXX. I immediately emailed the proof of the policy to BBVA Compass provided email. In couple weeks I received another warning from BBVA to place a mandatory Wind policy on my account. I called BBVA and they did not have my policy email and emailed that again to another email provided by BBVA on XX/XX/XXXX 
I did not work again. I received a statement that BBVA has placed a Wind Policy insurance on my account and my payment increased starting XXXX XXXX. I called again and they still did n't have my insurance. I emailed the proof again on XX/XX/XXXX. 
On XX/XX/XXXX I received a mortgage statement still showing wrong amount due for XX/XX/XXXX payment. I called BBVA again and they confirmed they just " sent a request '' to recalculate the payment. 
This is truly not a fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a change to my AUTO DRAFT AUTHORIZATION to Carrington Mortgage that took them 96 days to process and put in place ( submitted XXXX/XXXX/2015 ). Because of Carrington 's failure and negligence to process the auto draft authorization request in a timely manner ( 45 days as stated in their form ) the XXXX 2015 payment was drafted late and is effecting my credit. I have sent several requests in writing to Carrington Mortgage and have been getting the run around from them. First Carrington responded with a letter saying that the request required a TRUE Signature. I submitted the request again with a TRUE signature and received a response that the signature did not match what they have on file? I again submitted my request and never heard back from anyone. I do n't know who 's signature they claim to have on file that does n't match mine? This practice is not acceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had ongoing issues with Carrington Mortgage Services managing my mortgage. Twice in the past 6 months they have misapplied my mortgage payment to another account and wrongly reported my account as being late to the credit reporting agencies. As the accompanying documentation shows, they received and cashed the check for my payment on XXXX/XXXX/2016 and still have not credited the payment to my account. After their last error they promised to immediately refund the late payment charges that I paid, a home inspection fee that they charged me and they were to have reported the correct payment information to the credit reporting agencies. as of this date. none of these actions have taken place. Carrington Mortgage Services should be suspended or barred from administering VA loans until a complete audit of their accounts is completed. As XXXX XXXX veterans that have served this country well, we deserve better than this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I spoke to XXXX from ARS requested I fax copy of benefits from XXXX for XXXX to XXXX called XXXX ( spoke to XXXX ref # XXXX XXXX/XXXXXX/XX/XXXX XXXX indicated did n't owe it was covered under the urgent care copay. Called ARS gave marys contact info. Also did a XXXX way. ARS said they would Look into it. Never updated me and never called be back to let me know a status update. 
name company never resolved issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They said that the bill is not paid I have had equal fax to re dispute the payment. I have called they and nothing good turned out from it.. 

I XXXX XXXX have sent the payment to Southern Management System to try to resolve the issue. I also had the XXXX CRAs submit the receipt of payment that attached to my dispute to Southern Management System. They are refusing to acknowledge the payment therefore I filed a claim with the CFPB to get assistance resolving this issue.

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 2016-12-26
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After issues a dispute with the insurance company paying a hospital debt, the debt was passed to a debt collector. I contacted the debt collector to clear the amount. The deb collector told me I could either work out a payment plan or I could pay a slightly lower one-time payment to clear the debt. I went with the second option ( total debt was {$1100.00}, I paid {$970.00} ). The representative on the phone told me legally that they could not send me an email or fax detailing either payment option. 

Now, after more than 2 months, I have not gotten a paid in full statement ( which I requested ) and they are coming after me for the full amount. They have not returned letters to their office and refused any written correspondence.

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 2015-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had previously filed a complaint XXXX XXXX and did not add that the rate renewal shall be based on the unpaid balance. Capital One has based it on the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid UAC the settlement amount of {$1800.00} back in XX/XX/XXXX, but I never received any correspondence or my release of lien from UAC. I have not received any form of communication from UAC. I want my debt settled and I want to receive my release of lien document so I can get a clean title to my XX/XX/XXXX Mercury Mountaineer.

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 2016-02-25
Company: Eagle Financial Services, Inc.
State: IN
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
American eagle finance in XXXX Indiana first and foremost charges to much interest plus the Manager came to my job XXXX this Co is out of hand I want them shut down I want a class action suit brought agents them They keep calling my job I 'm done please do something look on XXXX about them now they are sueing me plus finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: DISCOVER BANK
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX issues. The most important is at the top. The other XXXX are smaller. 

Discover Student Loans has begun taking double payments from each money, starting in XXXX. I thought it was just some random issue with auto-debit but when I called to fix it, they claimed there was no issue. I 've attached part of a bank statement showing XXXX payments from Discover. I 've also attached the payment history from Discover 's webpage. As you can see, it is kind of a mess. But if you look at individual loans, you 'll see that each loan has actually had XXXX payments applied to it within a short period of time and then XXXX payment reversed. I did not make any manual payments, all happened automatically. The same thing happened at the beginning of XXXX. As you can also see, my bank account balance was sufficient for the payments made, and there is no reason a payment would be returned. Nor was any payment returned to my bank account. Obviously if they claim double payments were not made, they are probably not crediting those payments correctly. 

Additionally, I have XXXX smaller charged off loans with Discover. I have been making payments according to the payment arrangement we made. When I called to talk about the above issue, they claimed that the payments would need to increase despite our agreement and implied they did not intend to continue following the agreement. Regadless of whether a charged-off loan is due immediately, a subsequent agreement to accept a payment plan should be binding. 

Third issue, which may be more of a clarification, but I believe my loan payments jumped considerably around when Discover purchased these loans from XXXX. I have requested my Promissory note to see what the original terms were, but I do know that I was not always under such a large monthly payment, and the large jump in payments is much of the reason why the smaller loans ended up charged off.

Company response to consumer: Closed with monetary relief