BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-17
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I attempted a transfer from GE Capital Bank to another financial institution on Saturday, XXXX XXXX, 2015. I received a confirmation and GE Capital failed to contact me on Monday, XXXX XXXX, 2015, to inform me of an unsuccessful transfer. This failed transfer caused a check made out to the IRS to be returned for insufficient funds. The IRS penalized me 2 % on the amount due and 3 % interest. 
I received the attached letter from GE Capital acknowledging their error. The person writing the letter XXXX XXXX, Compliance Dept, XXXX UT Tele : XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-05-18
Company: Persolve, LLC - Legal - Series 2
State: CO
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The school that I was attending XXXX XXXX in the XXXX XXXX area closed in XXXX XXXX, 2016. I have contacted the XXXX XXXX XXXX and the federal loans. According to the XXXX XXXX XXXX and Federal loans, I do not have any existing loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: Continental Finance Company, LLC
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My card with Continental Finance was compromised about a year and a half ago, and the issue had been cleared up. About six months later my card was charged again by the same company from the first time. I was told when I called that the fraud department would be sending me an affidavit, and I told the company I also needed a copy of my bill ( I could not log on the website to see which charges were mine and which were fraud ). I called them back weeks later to report that nothing ever showed up, and they said they would resend it. By the third phone call, I asked for the dates they sent these documents, and apparently " that information was not in my account. '' I asked them to once again send both the affidavit and the bill. While waiting again for them to send this information, I learned that they had sold off my account to a collection agency when I got a call from a lawyer representing the agency. I immediately called Continental Finance and talked to a supervisor ( XXXX, I believe ) who proceeded to tell me that they " should not have sold the account off because there was fraud on the account. '' He said he was going to email the collection agency to " get it back. '' Another month went by and I heard nothing. I called again and was told that the company had not responded and that they ( Continental Finance ) will send another email. I asked them to carbon copy me on any email that goes out and was told they can not do that. I also asked for the collection agency 's phone number and was told I could not be given that information, either. I waited another few day but still nothing, but I did get a " final call '' from the 3rd party lawyer. I told lawyer 's representative that I was still trying to work out the fraud issue with Continental Finance and was told there is nothing about fraud recorded on my account. I asked her to tell me what the email correspondence from the credit card company to the collection agency said, and I was told " there has been no correspondence '' from the company at all. I am filing this complaint because it is clear Continental Finance has no interest in resolving this situation and has done none of the work they claimed to be doing to help me make informed choices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV continues to report account is a open/revolving account. This account should be reported as a collection account. They are reporting a past due amount when a collection account can not have a past due amount because we never agreed to any terms. LVNV is reporting that they are a creditor when they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Continental Finance Company, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from XXXX XXXX XXXX XXXX , XXXX ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to Continental Finance. I called XXXX, and a representative said it was a Visa that I had opened XX/XX/XXXX and closed XX/XX/XXXX. I never opened a Visa XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted Continental Finance, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry MasterCard, not Visa, and thus the debt could never have existed. 

I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Pentagon Federal Credit Union obtained my personal and private financial information from XXXX Bank without my consent or a subpoena. Throughout my communication with PenFed, I have been specific in directing any and all investigation to PenFed internally. PenFed 's operatives have violated XXXX XXXX XXXX laws in addition to The XXXX XXXX XXXX. It is clear that Pretexting and deceit was used. This complaint also covers the fraud related to forged documents and criminal practices. Very closely mirrors 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 2016-10-22
Company: ARVEST BANK GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had asked Central Mortgage Company to review my credit dispute after I received notification for missing a monthly payment. I have an impeccable history with this company and had never made a late payment. I recently refinanced and ended up with Central Mortgage again for my loan. When I refinanced, my auto payment was no longer in place. I was surprised to hear I had missed the monthly payment, since I thought I had still been enrolled under auto payment. I described this in my letter of dispute. However, Central Mortgage replied by not even looking into my history. They declined my request to rescind thr notification to the credit bureaus despite my calling on the XXXX day and explaining the mixup. In the letter of reply only, Central Mortgage only mentioned that I was not enrolled in auto pay, therefore I should be held responsible. Why did Central Mortgage not review my prior history with their company ( just prior to refinancing )? It 's evident this was only a cursory review of my dispute. This is simply unfair based on my impeccable history and consistent enrollment in autopay. Thank you for your review and I look forward to a fair resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a automobile with mid Atlantic finance in XXXX Florida, I sent them a Cease and desist for harassing collection calls on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX the company proceeded to call me again. on XX/XX/XXXX at XXXX XXXX and pretended to be the legal team and said that he was going to take me to court and garnish my wages for my car loan. He said that I told the previous representative that I was voluntarily giving up the car, I stated I never said that what I said was I will pay the account current in a few days he said he did n't want money and the representative started to yell and I disconnected the call, the gentleman call back two times after that which then becomes harassing. I contact the corporate office and spoke to someone in the legal office by the name of XXXX. Said that my cease and the cyst was not valid and I have no right to tell them not to call me. I advise that my cease and the cyst has been on file for the last four years and calling me it is against the collection that and I will make a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was sold a predatory sub-prime loan in XX/XX/XXXX by XXXX Loans. I had a 80 % XXXX mortgage and a 20 % XXXX and I put nothing down on the home. After a year I got into trouble with the loans and I was facing foreclosure. With my parents help I was able to stave of foreclosure and I kept making payments on both loans for several more years. Finally I had to file a personal bankruptcy. Both my XXXX and XXXX loans were discharged in my Chapter XXXX bankruptcy in XX/XX/XXXX. I kept making the payments on the XXXX mortgage to XXXX XXXX XXXX and I am still current. However the second loan was sold by XXXX to XXXX Loans in XX/XX/XXXX, and shortly thereafter XXXX assigned the servicing of the loan to Real Time Resolutions. Now I have been attempting to obtain a refinance on the first loan but the lender and the title company can not clear title because the second deed of trust is still recorded in the name of XXXX, which was a subsidiary of XXXX. but is no longer in business. I engaged a lawyer to submit a Qualified Written Request to Real Time Resolutions who claims to have legal ownership of the second deed of trust. I asked RTR to provide evidence that they own the second deed of trust but they failed to provide that evidence in response to our QWR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: IN
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I issued a stop payment on a check after checksmart refused to work with me after i lost my job. they have been calling me up to 9 times a day demanding payment in full, or that i ask a relative. They have refused my offer to set up a payment plan and have threatened to go into my bank unauthorized and deduct the funds illegally. I told them that i didnt have the money, but i wanted to get the debt paid on an installment loan plan, the refused and they will not quite calling. ive lost my job and have kids to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I SENT {$1000.00} TO XXXX THROUGH XXXX XXXX. THE RECEIVER NEVER RECEIVED THE MONEY AND XXXX XXXX REFUSES TO REFUND ME MY MONEY. THE TRACKING NUMBER IS XXXX. MY NAME IS XXXX XXXX PHONE NUMBER IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: BYL Collection Services
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 is not mine

Complaint:
I received a collection letter from BYL Collection Service. It is for a gas company I do not owe money to. The name of the Gas Company is for XXXX XXXX XXXX. I am currently subscribed to the Said company but I am current with my account. The account number listed on the collection letter does not match to my gas account number. I have sent them a letter demanding proof for the time being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Patenaude & Felix A Professional Corporation
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a message from Patenaude & Felix APC stating I have a complaint against my name and social security number and a warrant was going to be issued at XXXX tomorrow XXXX/XXXX/2015. This is a collections agency/ law office and I 've been ignoring they 're prior calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my name is XXXX '' XXXX i am again complaing about bayview why have you not done your job i am asking that the company stop sending me info about the hamp waste of paper and not in military they sent me certified letter that i had to take to the post-office thought is was serious the letter contain only about the hamp i got a regular mail reL this and a certified letter in say day wasted by time and gas XXXX round trip to have the same letter sent t me if they want to spend money and waste it they can lower my payments i want the letters stoped you have not done your job i have ask you find out why if i send a money order to the company it takes days to get their i am never late, also if i pay on line it takes XXXX to get to thier bank then they say they then wait on a check sent to them XXXX they post my payment this makes no sence do not send me a statement what i have payed that is always what i get do your job and make them have payment sent to only XXXX place i am sure the way they have it set up so they can add late payment to bill i have proof the payment this month got their on the XXXX better not have a letter or call say they did not receive it. every time i complain you send me a letter saying working on it has been many months now if they want to waste money by sending out the hamp info they can lower my payment. do your job and investigate.loan # XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am unable to pay mortgage because of hardship due to over extended expenses and medical problems. I therefore applied for home loan modification to XXXX. While the process was going on, they sold my loan to Bayview Loan Servicing. For two months I keep calling customer service and they report that they are unable to help because the loan has been sold. I recently receive a notice that the house is foreclosed and a sale date is XX/XX/2017. I receive no notice from Bayview of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I sent a friend {$100.00} via Western Union. On two occasions the recipient has attempted to pick up the money and on both occasions has been denied payment. I called Western Union customer service where I was told by the person I spoke to and then that person 's supervisor that Western Union has no control over it 's agents and whether or not they pay recipients. When I tried to cancel the transaction Western Union 's customer service refused without reason they simply said that they are not authorized to cancel a transaction which I do not believe. First their agents do n't have to pay funds contracted by Western Union to pay and then Western Union will do nothing to remedy the problem, and their agents rather than the intended recipient end up with the money? There has to be consumer fraud going on and being perpetrated by Western Union in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: LDF Holdings, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I saw a commercial on tv with XXXX XXXX for cash advance. I applied for cash advance back in XXXX 2016, on the website and was transferred to lendgreen and they gave me {$800.00} that would be deposited into my account. They charged me a fee that I would pay back the amount of money I borrowed every two weeks, out of my check, I work for XXXX Florida, and that should be it. BUT, they have continuously been taking out money from my account after I have already paid back the amount of money used back in XXXX. They said they charge 700 % interest and I am stuck with it. That is NOT RIGHT, THAT IS CALLED PREDATORY LENDING AND IT NEEDS TO STOP. I was in a time of duress at the time I requested the money, to help pay my car note, auto insurance, and electric bill. I have already paid back the money, and I have notified them about disputing any further unauthorized charges, which is called FRAUD. This is unacceptable to XXXX people in their time of need, and extort money from my account. They need to be punished for what they have done to me, and others. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
My divorce ended XXXX XXXX, 2014. In the divorce decree stated that I am not reliable of the mortgage that only my ex husband is reliable of the house. USAA savings bank is the mortgage lender and they keep sending me letters of how the mortgage is in default but will not talk to me. My name is not on the mortgage note or the deed and they ended up putting it on my credit. I want the mortgage taken off my credit asap if possible. If I 'm not reliable of the mortgage it should not be on my credit. I have a divorce decree that I will be sending with this to show proof. I do n't live in the house and moved out when my divorce has first started.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter in the mail threatening to sue me, it was titled as a pre-legal notification. In the body of the letter they threatened to turn my account over to a lawer in my state, they are an out of state collector for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, LoanDepot sent me notice that my taxes were increasing {$110.00} per year but my monthly payment would increase {$70.00} per month. I 've made several attempts to correct the matter via email and phone. Today, I called and the was placed on-hold to speak to a supervisor but no one has picked up the phone for over 45 minutes. I feel like LoanDepot is intentionally giving me the run around to discourage me from having the matter corrected as a similar tactic was used used previously when they asked that I allow them to analyze the matter and then they would call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
That time on month again. I need to file the monthly complaint against this group. 
( USAA XXXX XXXX XXXX XXXX XXXX, TX XXXX ) For the XXXX knows how many th time they have the log in screwed up. Support refuses to answer the phones. They continue to HARASSS me about this XXXX " paperless '' XXXX when they ca n't even run a web site. probably XXXX time complained about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Debt was Charged of in XX/XX/XXXX with XXXX. In XX/XX/XXXX it went to Asset Acceptance LLC. They were sued by the FTC.One of the nation 's largest consumer debt buyers has agreed to pay a XXXX civil penalty to settle Federal Trade Commission charges that it made a range of misrepresentations when trying to collect old debts. In addition, the company, Asset Acceptance , LLC, has agreed to tell consumers whose debt may be too old to be legally enforceable that it will not sue to collect on that debt They still have on my credit report and increased the balance from the XXXX Charge off to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company agreed with the cfpb to give me until XXXX XXXX, 2015 before they would pursue court action but yet aggressively does so. this is after i have paid XXXX of dollars to them and now they want to garnish me. I have offered to settle ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have contacted this company three times. They continue to call and send letters stating the debt is mines. I have told them debt is not mines. But they continue to send a computer generated bill from the actual creditor. They are also contacting me claiming to be an attorneys office which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation