BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-29
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
BBVA Compass reported to my credit a derogatory charged off loan even though the vehicle was paid off in an insurance claim. They have lied and ruined my financial status, I have been denied credit and have spent over 100 man hours trying to get this banking institution to fix this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I moved into a Family 's home that was larger. We rented out my home at XXXX XXXX XXXX, XXXX XXXX Ga. XXXX. The rental tenant skipped out and trashed the home. We tried to short sale the property and the bank declined the offers. I tried to do a deed in lieu and they did not do that. They started the foreclosure property 3 years ago. They even changed the lock and winterized the home. Two years went buy and they never foreclosed. I filed bankruptcy on this last year. They still have not foreclosed. They have been paying the property taxes and insurance yet the home is still in my name. I called FHA resources and he stated their is no claim on my XXXX report of where Bankruptcy was started therefore they illegally changed the locks on the home since it is not in Bankruptcy and still in my name. I do not want the home back, I want them to foreclose on it like we agreed 3 years ago so I can re establish credit and buy again in the future. Furthermore this home is getting vandalized and people are doing drugs in it. I contacted the police as I see it unsafe for the neighbors and children out playing, he stated that they have contacted the bank regarding theses issues at the property as well and they do not bother to board the home up or do anything to prevent this from occurring. I feel it is unfair they have changed the locks and started the bankruptcy process over 3 years ago yet have not reported it to FHA so it can begin to give me a clear XXXX report. Again, the address is XXXX XXXX XXXX, XXXX XXXX Ga. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I never received any statement saying i owed anything and then suddenly there is a person calling me and asking me for my social and date of birth due to a debt I owe. I did not disclose any information as i dont know who this person or business is. Apperently, I think my old apartments are the ones who placed me in collections but again not truly sure because I never received a statement showing the items or damages I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My son was XXXX and I informed the company that he was deceased and the family did not want the vehicle and that the vehicle was totaled. I also informed them that they can get whatever information that they wanted concerning the vehicle from the XXXX Police Dept. I am not a co-signer or guarantor or anything on his loan. My son had no insurance at the time of the accident and has no estate because he did not have anything I have asked them not to call me anymore. They are calling my cell phone while I am at work 3 and 4 times a day not to mention the number of times that they call my house. The company name is Credit Acceptance and there are several numbers that they call from one of the numbers is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I called Genesis Lending to discuss the forgiveness currently available for former XXXX Students. I was informed that my loan did n't qualify because I had an AFT loan. Upon further research, this loan is for teachers. I am not a teacher nor did I sign for this type of loan. I have been deceived in so many ways and time after time I am being held liable for a loan that was misrepresented to me. This issue needs to be resolved especially when I 'm repaying a loan I have no information on.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Receivables Performance Management, LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have a bill for XXXX that was turned into Receivables Performance Management they have been calling me continuously I have spoke to someone from there 5 times and have told them I would pay XXXX a week beginning XXXX XXXX and they continue to keep calling they tell me they have it taken care of and then I get another call saying they show no arrangement or whatever. I got a call last night and again today the one today said that I had to give them my debit card information in order for an arrangement to be done I told them I will not give them that information this was also the first time anyone from there has told me that so they said the phone calls would continue. I feel I am being harassed by this company I have tried to make arrangements to settle the debt they tell me they have it done but continue to call me and it 's the same thing everytime also I dont have to give someone my debit card information to make arrangements on a bill. I 'm tired of the constant phone calls and the stress of it all and I feel something needs to be done with this company

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 2017-04-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit Systems  #  XXXX  (  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX , ) (  XXXX  )  XXXX  ) Placed Collection Balance {$1000.00} dated  XXXX / XXXX / 2017  Creditors where the   XXXX   XXXX   XXXX   XXXX   XXXX   I lived at these residents 4yrs ago I stop living there in good standing never had a broken lease the apartment people put this fraudulent frivolous amount on my credit saying I owe them after I moved out the resident for what I do not know I was not taken to court or placed under eviction also the apartment was filled with bed bug that 's why I moved. Please handle this complaint for me and let me know what I can do as a consumer to get this off my credit I feel like I am being abused by the apartment complex because I never had any problems with them and I feel like this is a unfair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My daughter was attending the XXXX XXXX XXXX but they were closing there doors and only offering online classes to students for them to finish off in order to receive their degrees. We were not informed about the situation when she first started there. They then told us that she could transfer to the XXXX campus seeing as she would have difficulty with the online courses with her XXXX which are documented and were turned in. I informed them that she had doctors appointments and testing that needed to be done for her medications and asked if the following semester would be better. They told me no that it would be fine for her to start that semester it would be no problem at all. As it turns out, they said she missed to much time and kicked her out. they advised us that she could n't come back until she paid for that semester in which was already paid by fasfa and direct plus. We have talked the companies that hold the but nothing has been done so far and they keep wanting us to make payments. She has had to enroll at another college in order to continue her education that works with her XXXX, but her pell and other grants have been reduced due to all of this and XXXX was giving her classes that she was n't prepared for due to requisites not being followed or classes she did n't need. I feel that we should n't be penalized for the time she spent at 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 2015-09-18
Company: Google Compare Credit Cards Inc.
State: CA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Adding money

Complaint:
The Google Wallet iOS application said I would have " access to my funds within minutes '' on the transfer screen. After I hit submit, it said I would n't have access for 5 days. It did n't give me the option to cancel. An email inquiry that followed said it would take XXXX hours to receive a response. No other way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: TMX Finance LLC
State: GA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I took a {$500.00} personal loan with a company called Insta Loan. I 've made payments of {$120.00} per month for over 4 months to Insta loan which mean i covered more than the loan amount. Each time i meet with them at the office to make a payment they told me they were updating my information, which false. It was false because i recently found out that they were reapplying for a loan each time i made a payment. When i looked at my balance it never decreased it only increased each time i made a payment. Then i checked my credit report and they applied XXXX loans of {$600.00} on my credit. I spoke to a man named XXXX in the office and he told me that these kinds of loans are not set up for you to get out of, and that i 'll be making endless payments for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: GREAT LAKES
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Imwas part of mthe XXXX 2011 in XXXX XXXX Louisiana. Imwas XXXX. They convincednme I could affordmthis. My mom used child support to pay monthly and interest on student loan. XXXX. They convienced us I could support myself soon get in internship greatnjobs the whole lie. Here I am XXXX struggling my mom pays my rent. I cant find work other than XXXX makemmost paydays less than XXXX. I cant afford healthcare my mom pays that too. I want to go to college but they stole everything. Most of jy classes were taught bynstudents as the teachers left suddenly. My mom kept telling me this was not right something wasnwrong. I need help.All those pressured empty promises. Broken in need of help. If my mom looses her job or worse dies. Imwill be on the street and dead inmno time. I cant make enough to live hpw can I repay debt that at XXXX XXXX imhad nomidea the picture they sold was fraud in diguise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Credit Limit Decrease ReportedSince your last update on XXXX XXXX, 2015, XXXX credit card limit has decreased on your credit report. 

Credit Card Balance Previous Limit New Limit Change {$0.00} {$1000.00} {$200.00} - $ XXXX BANK XXXX XXXX Reported By EquifaxYour overall credit card limits have decreased to {$6400.00}. 

Your credit score, and all credit and loan info are provided by ( C ) XXXX XXXX XXXX XXXX XXXX | All Rights Reservedi am alleging racial discrimination was a factor in TD BANK GROUP XXXX XXXX decision of decreasing my credit limit by {$800.00} on or around XXXX 2015. 

There decision was arbitrary and capricious.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: TMX Finance LLC
State: NJ
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
i make a emergency loan with titlemax to try to save my house in the amount of XXXX that is already pay, plus over XXXX on interest and they keeping calling me to take my truck away, i only recive harrasing calls from them and a tow truck around my house everyday-i aply online for a title loan in nj and they aprove but send me to delaware. i find out that title loans are ilegal in nj

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Unauthorized fraudulently used my Target account and exceeded my credit limit. I sent in documents Target requested police report, affidavit, charges I was disputing, and copy of my ID. This claim was filed last year and never resolved. I fax all my documents on XXXX XXXX and yesterday a customer service rep in the fraud department stated they never received them. I have the copy of the verification form showing the fax went through. I 've called Target over one hundred times to resolve this matter, but have been unsuccessful due to them not returning my calls and giving me uninformed information including hanging up on me several times. The person who is working my claim supposedly is name Sue but I have called her over 100 times left messages but she will not call me back. I have the documents showing I fax them on XXXX XXXX and will be sending them again on Monday XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I used td bank credit card, it is connect with my TD bank checking account, I realized that i dont have enough money on my td bank checking account and I put my td bnk checking account XXXX XXXX day before payment due date than they charged to me {$35.00} XXXX late payment fee not done, they charged twice XXXX, i called bank at least 5 times nobody could not help i paid already they charge me same balance two times, than they told me everything fine, everything OK after i got mail from TD BANK, they closed my checking account because i owe them XXXX ... i paid my credit card balance, they charge me twice and close my checking account because i owe them money, they broke my credit history

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-01
Company: ORO OC, LLC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Followed a link for a company that claimed to be a education loan servicing company. They took my information and accessed my accounts. the company is named EDULOANSERVICING and claims to be based in California

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Security freeze was placed on my account last year. I want to lift the freeze now. Have contacted the company, and it did nothing. Submitted requested forms in writing a month ago, promised resolution in 10 days, and nothing happened. All I want is for these people to lift the security freeze I placed on my account last year. They are not responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have received phone calls from Premier Recovery Group ( XXXX ) XXXX at my place of employment. The first time it was an extremely rude gentleman on the phone who I kindly requested to not call my place of employment. He stated " that does n't work for him '' and continued to harass me about when I would pay him so I had to hang-up. A few days later I received a call from the same company while at work, but this time it was a woman stating she was told by her coworker that I wanted her to call me back while I was working so I could give her my information to give her money. I told the woman that was false and asked her to please not call me at work - she continued to get increasingly harassing so once again I had to hang-up. The same woman called right back to my place of employment and proceeded to tell my coworker who answered the phone that she is sending paperwork to garnish my wages from my paycheck because I wo n't pay her and asked my coworker for the office fax number. I have asked Premier Recovery Group on multiple occasions to not call my work and now they are telling my coworkers I owe debts and they are going to garnish my wages. My boss caught wind of what was going on and now he wants to know why somebody is repeatedly calling the office and threatening to garnish my wages. Premier Recovery Group has crossed the line in several different ways. Premier Recovery Group CAN NOT disclose personal information to my coworkers about personal debt or say they are going to garnish my wages nor can they continue to call a professional business when they have been told not to contact me at my place of employment more than once.

Company response to consumer: Closed
Consumer complaint received 2017-02-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander sent me a letter dated XXXX advising me credits of {$910.00} and {$1600.00} would be applied to my car loan account. Despite evidence of payments sent to Santander from the XXXX and a request to have the payments applied, Santander has never provided payment history evidencing those payments were applied. My car loan was paid in full on XXXX/XXXX/XXXX. The reason given no to provide the payment history is I am being represented by legal counsel. This is an inaccurate statement as XXXX/XXXX/XXXX and it is no reason to deny my request for payment history. Initial attempt was a certified letter sent on XXXX XXXX, XXXX of which I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have a loan thru XXXX XXXX XXXX which they are processing with Chase Financial. On top of my required monthly loan payment, I am paying additional monies in my monthly payments which I wish to have applied to towards the principal balance as authorized in my loan agreement. Chase is refusing to apply the additional payment to the principal balance. They have advised me that they are applying the additional payment towards any future monthly installment payments but they claim that they hold the extra monies in a " separate '' account for future installment loan application purposes. Chase has refused to process the additional monies towards principal as specified in the loan agreement. Any assistance you can provide would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I been trying fpr month to fix things in my credit report, one was a account open with Capital One using my personal information which the result was a fraud account and after the internal investigation shows as a fraudulent account which Capital One took action and removed from my credit report just kept open my one credit card account and a checking account. 
The issue is after many calls to customer service, recovery department, many hours in total nothings seems to help remove the fraudulent account from capital one system which is blocking me the ability to request a credit line increase in my current account ending XXXX The fraudulent account ending XXXX is causing the system internaly to deny a credit line increase because of this. 
Everytime I call CS and Recovery they put me in " waiting '' to comunicate betwen departmets to solve the sotuation but the results are the same.

I am attaching a copy of the investigatiom results removing the fraud account and a copy of the reply given from 'Capital One everytime I try to request a limit increase. 
I dont have charge off in any other of my credit reports and clearly the letter shows an issue with the Capital One system. 
I am filing this claim because tha CS amd revovery departmets from capital one after more then 8 calls wasting hours waiting are not able to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-01
Company: Westlake Services, LLC
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I bought a car and was making payments when I lost my job. I fell behind. The car was repossessed and sold. I owed {$13000.00}. The car was sold for {$8900.00}. 
Westlake Financial Services sent this to a collection agency. When I called the collection agency they said it had been taken back by Westlake. 
This is my complaint. When Westlake Financial Services called 2 months ago they told me over the phone if I paid {$3700.00} they would accept that as final payment and remove it from my record. I have called them back today and they are demanding {$6200.00} and if I could pay 85 % of that in cash they 'd accept {$5300.00}. I have the original {$3700.00} and am willing to close out the account, but they have now changed their minds. I have talked to them numerous times and they always change. They will not put their offer into a letter. It 's only an oral agreement.

Company response to consumer: Closed with monetary relief