BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: Receivables Performance Management, LLC
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:
In 2015 I decided to pay off all debt. I contacted each collection agency. I made payments to RPM in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX, I received a letter from another agency attempting to collect the same debt at the original amount. I told them I paid XXXX already. I was told to contact the collection agency that I paid. I did. I disputed the amount they told the other agency. After 30 mins. I was told they never processed my payments and that the 3 checks were mailed backed to me and the fourth one he would return to me once they got it. That was almost 3 month ago. I have not received a dime back. I 'm out of my money and I 'm at risk of suffering damages as I must pay to have the money sent back to me or pay a daily fee after a year if the money order is not cashed. The new company does n't care the information is inaccurate they just want the payment. I have called many times. They leave me on hold for 10-15 mins and then never come back to the phone. 

I feel this company should have processed my payments because they did not close my account until XX/XX/XXXX ( they already received 3 payments ). They never mailed my last payment back. If it was given to another company the correct amount should have been credited. My credit report was affected as it shows the wrong amount. 

This is defamation of my financial history and failure to report my disputed amount and the correct amount. Please help. I want my bills paid off but I 'm out of money and still owe the incorrect debt at no error of my own. 

Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made payment in Full to the collection agency ( Receivable Performance Management-RPM, Washington State ) since XXXX 2014 and after several calls to the Debt collector, the information still remain on my credit report as the OPEN unpaid. i have called them several times in XXXX, XXXX, XXXX, XXXX and now XXXX to correct this error and they promised to remove but have not done anything. This inaction is affecting my credit despite making full payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Louisiana Recovery Services Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid Louisiana Recovery Services on XXXX XXXX in the amount of {$260.00}. This was for a medical account for XXXX XXXX. I asked for a letter confirming that the account had been paid and was told I would receive one. I have yet to receive this letter. 
I was also told to fill out the credit card authorization form and authorize {$11.00} and that would expediate and they would remove the account from all XXXX of my credit reports. I faxed in the form, called and verified it had been received. It had been received as of XXXX XXXX. I disputed the account on all XXXX credit reports as being paid. 
On XXXX, LRS did not remove the account and updated it, still saying it had not been paid. 
I called most recently in XXXX, at least 3 to 4 times. The last time, the representative lied to me telling my wife who was calling on my behalf that he had just spoken to me. Which was a lie, because I was in meetings in work all day and had not called them at all. 
As of XXXX XXXX, this account is still listed on all XXXX of my reports as unpaid. This is adversely affecting me and my ability to qualify for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
About once a year since XXXX, my account at USAA gets connected with my ex wife 's account. I separated the accounts in XXXX and when these problems started I ceased all financial accounts with USAA. In XXXX, I stopped doing car insurance through them as well. At least twice I have been able to log into USAA.com and was able to see her account balances. Each time I called and was assured that the accounts were separated. Going online seemed to confirm this until the next time it occurred when the linked accounts returned. On Monday XXXX XXXX, XXXX. I received my ex wife 's debit card mailed to my current address which had changed since our final divorce decree in XXXX. Either USAA is letting my wife into my accounts or they are not safeguarding both accounts. I have no desire to receive her debit card which I 'm pretty sure is a complaint and illegal from her point of view. 

I view USAA 's inability to secure both my ex-wife 's and my accounts as a potential credit / identity theft as reasonable grounds to permanently remove my membership in order to prevent this from reoccurring annually for the rest of my life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Receivables Performance Management, LLC
State: MI
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:
receivables performance management has been calling my personal phone nonstop asking me to verify personal information but when asked what its in regards to they hang up. now they are calling my place of employment, i dont know if they are even calling for me because any time i ask them a question they hang up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a current complain # Case number : XXXX. 

I received the following message on XXXX/XXXX/2015 : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

More than 60 days have expired and the issue has not been addressed or resolved. AND The log in and password I created for this site NEVER works no matter how many times I reset the password so I have to keep filing new complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Advertising, marketing or disclosures

Complaint:
Received Netspend deceptive mail with read debit card. Says to activate like I signed up for a card. Then says it 's like a checking account with routing number. 

Had to search the internet to find out about this company. 

Fees are ridiculous as well. EVERYTHING you do have a fee. No banks or credit card companies do this, no one would have any money left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2017 I received my monthly statement from Loandepot stating " unscrupulous '' information in terms of defrauding and financial gouge on our mortgage loan with a different address shown below : LoanDepot XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX We are sincerely concerned about fraudulent scam activity loandepot harassing us with our mortgage loan. The amount of our Mortgage : Principal balance totally incorrect. As we are 3 months ahead with our payments. And that is : XXXX, XXXX, XXXX, 2017. XXXX payment we made in XXXX XXXX, 2017 check # XXXX & XXXX amount & XXXX each. We are really fatigue with fraud dishonest services from Loandepot different locations we been dealt with fraudulently. We are asking for help to have loandepot investigate and scrutinize for Consumer Frauds and Defrauding us purposely. Sincerely : XXXX & XXXX XXXX ... ... Loan # XXXX Appreciate your help Thank you :

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Recently, from my credit report, I noticed that a company call " SouthWest Credit System '' reported a collection account to the XXXX credit agencies. I do n't think that I had ever received any written notice from this company about the collection account, neither any notice of right to dispute this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-06
Company: TD BANK US HOLDING COMPANY
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
For all practical purposes, tdautofinance makes it impossible to make payments directly to principal ( extra payments for that purpose ). On my first attempt, i mailed the payment with the notation on the check AND a detailed instruction on my desire to apply it to the principal. this never happpened. after several calls ( LONG call waits -- more than an hour before i got through ) they said 'no one reads notes with the payments -- just call us next time ). eventually this did get applied to principal ( with MUCH work ). I recently attempted to make another extra principal payment. I called them ahead of time to tell them I was going to do it and submitted in online while on the phone. They said they would take care of it, but for good measure, i used their website to message them about the phone call i just made, restating my desires to make a PRINCIPAL payment ). A week later, it 's evident that this money was not applied to principal, but to more than a year of payments. this is messed up. I believe this is a deliberate effort on the part of this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: Southwest Credit Systems, L.P.
State: OR
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:
Southwest Credit ( SWC ) is attempting to collect {$290.00} from me. This amount was referred to them from XXXX XXXX. I requested documentation that would delineate the charges but have not received an adequate response. The SWC credit representative I contacted today could n't explain details of the disputed amount

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am submitting this complaint against XXXX. I have disputed several collection accounts in my credit file and I requested a debt validation other than a balance and a computer print out and XXXX has failed to submit the information.

Company response to consumer: Closed
Consumer complaint received 2016-05-13
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan through Huntington Nat'l Bank. The loan was opened in XXXX 2014. I carry full coverage insurance ( through private company ) on my vehicle, which Huntington is listed as lien holder, but learned today that Huntington is ALSO charging me {$40.00} per month for auto insurance. I have never missed a payment, been late nor had insurance lapse at anytime. I was informed by a Huntington representative, that that is just something they do to protect their interest. I do not understand this at all!!! My private insurance protects their interest!!! Is this legal??? Also Huntington informed me that my payoff amount is more than what the balance of the loan is. How can this be???? Every month that I make my car payment, according to XXXX, my balance is increasing {$51.00}, which is lowering my credit score! At this rate, the loan WILL NEVER be paid off. Please help me to rectify this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have contacted USCB America 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account Number 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 2016-09-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a cash deposit to cover pending charges in my back account. All transactions, including my deposit, posted on the same day. However, TD Bank process transactions in a way that 's designed to collect fees from consumers. Basically they posted my debits before my credit, making me incur XXXX dollars in overdraft fees. This is not the first time this bank does that, and although it might not be illegal, it 's morally wrong. I walked into the bank to have them reverse the fees and they refused. XXXX XXXX, supposedly the supervisor at the branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, told me that if I was not OK with the fee to go find another bank, that he would not refund the fee because it was not a bank error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
Bank of America fails to fill out balances in the interest rate charges portion of their statements. Interest rates and promotional dates are listed, but all balances are {$0.00}. You can not determine which portion of the balance is subject to the promotional rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: STATE EMPLOYEES CREDIT UNION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I disputed a transaction from a company and received a letter from my bank stating that the dispute was finalized and all provisional credits issued were finalized. Then I received an email from the bank stating a representative by the name of XXXX XXXX made a mistake and issued a letter when really not all the provisional credits were finalized, and instead they debited {$89.00} from my account as they said that dispute was not approved. This was an admitted bank error that I have proof in writing of - We should not be charged the {$89.00} and should be granted the credit of {$89.00} as that is what I have in writing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We had a checkbook stolen from a desk at work. Several checks were written by the thief to " Account Holder '' and were cashed. A freeze was placed on our account at Bank of America. To freeze the account, they put a {$880000.00} charge on the account causing us to be overdrawn by over {$800000.00}. We called on XXXX XXXX to report the issue. I sat on hold for over an hour. I spoke with someone who looked at the account and could not figure out who/what placed the hold on our account. He then said he had to transfer me to " Check Fraud '' ( which was who I thought I was calling in the first place ). I waited on hold for 30 more minutes and no one answered. My husband, at this same time, stopped at a Bank of America branch. The branch manager tried to help by opening a new account for us. But, he was not allowed to transfer OUR money to the new account and close the old one because of the " Freeze ''. He called the " Check Fraud '' department and sat on hold for over an hour, himself. My husband had to go back to work, so they gave up. We called back again last night and waited on hold for over 90 minutes ( all call logs will be attached to this message ). This morning ( XXXX XXXX ) I am seeing MORE fraudulent/stolen checks clearing our account. I have been on hold, so far, for 18 minutes as I write this complaint. No answer. We have no access to bill pay, automatic payments, nothing. We are being treated like the criminals in this situation with no lifeline from the bank. If you 're going to freeze assets in an account, you had better have someone available to assist as soon as I call the first time. The fact that we ca n't reach ANYONE who can investigate and make us whole after the bank allowed a stranger to cash checks is a crime in and of itself. My next call is to a local news station. I want access to my money so I can close the accounts and move all business to my credit union. As of right now, a criminal has access to all the money he needs from my account, but I ca n't have access?!

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 monetary relief
Consumer complaint received 2015-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We made a Check Fraud Claim on XXXX/XXXX/2015 to Bank Of America for a stolen and fraudulently endorse check. 
We wrote a check on XXXX/XXXX/2015 for a mortgage payment of XXXX mailed to XXXX XXXX XXXX. 
On XXXX/XXXX/2015, we reported to Bank of America of a fraudulent endorsement on the check, that XXXX XXXX XXXX denied receiving or cashing the check, and XXXX stated they would not endorse a check by hand signature. 
We completed a Fraud Statement for Bank of America on XXXX/XXXX/2015. 
In the following weeks, I made several calls requesting an update. Bank of America was only able to inform me the bank of first deposit was XXXX without additional information. 
On XXXX/XXXX/2015, I requested a " recredit '' or " provisional credit '' in light of the waiting time and the fact I had made a substitute mortgage payment on XX/XX/XXXX to cover the missing check. I was told the analyst for my case would call me. I did not receive a call. 
On XXXX/XXXX/2015, I followed-up and was informed the analyst had left me a message on XX/XX/XXXX which I was unable to confirm. An analyst, XXXX ( who was not our case analyst ), told me that Bank of America would not provide a provisional credit in the case of a false endorsement and that she was unaware of any " recredit '' provision of law. She stated it may take 30-60 days for XXXX to respond, which is unacceptable. She provided me with the following information : XXXX was the bank of first deposit and an electronic reference #. She was unable to provide a particular branch, a telephone number nor mailing address for contacting XXXX. 
On XXXX/XXXX/2015, in a follow-up call by my spouse, our Case manager/Analyst XXXX ( XXXX? ) informed us she would ( finally ) call XXXX with a follow-up. We are unaware why we could not receive the phone number for us to call XXXX directly. My spouse was informed it could take 60-90 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient put all of my loans into forbearance even after approving my income-based repayment plan. They are claiming I authorized this forbearance in XXXX 2014 in a phone call on XXXX XXXX, 2014 at XXXX XXXX and that they will not provide me with the recording of this phone call without a " court order. '' I would like to call into question this forbearance and hear this recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On the equifax credit report as addresses listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have never lived there so I 'm wondering if someone is stealing my identity for their personal gain. Please let me know what I can do to help facilitate in resolving that issue. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have in the past dispute collection agencies derogatory remarks on my credit report. They have been removed and keep reappearing on my reports. These remarks have been removed from XXXX, yet after requesting them to be removed from equifax and XXXX they still remain. This is preventing me from obtain my mortgage loan. I think the XXXX credit bureaus should be communicating and reporting the same information. Or dissolve them to XXXX national credit bureau, as this is very time consuming to work with XXXX bureaus to clarify my credit information ... .PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Tried to pull a copy of my credit bureau from Equifax on Annualcreditreport.com and was advised that they were not able to provide this online and that I needed to mail copies of documents identifying myself along with a request for credit bureau. There was no option to scan the documents/request. This company should not be able to participate on Annualcreditreport.com if they are unable/unwilling to provide reports online.

Company response to consumer: Closed with non-monetary relief