BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-03
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
XXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX PROCESSING CENTER Your continuous DefraudingXXXX XXXX and gouging us financially isXXXX XXXX XXXX XXXX illegal by law. 

In reference to our Loan Statement dated XXXX/XXXX/XXXX which you continue to misled us about our Loan Payment Statement asking for month of " XXXX XXXX, XXXX payment was already Paid " Check No. XXXX. Plus copies of XXXX and XXXX XXXX accusing us we never paid. Now it deemed especially egregious the discourage repetition of misleading and deceiving us with your unlawful practices conduct. 

Your " fraudulent conveyance or other transaction with intent to Defraud us or to defeat our credit preference, plus gouging us financially is obvious. Your Payment processing center has had been told several times about our Mortgage payment never late, nor behind in any way shape or form. But, your continuous unscrupulous, maladminister conduct with our Mortgage loan payment become a malady toward ( XXXX XXXX. XXXX ) type maladroit activity. 

From the very beginning when our Loan processing started in XXXX XXXX and finally closed in XXXX XXXX, XXXX was the most extreme Maladminister and awful feelings my wife and I ever experiencing in our lives purchasing a home through so called ; .Loandepot Maladminister conduct obviously. We were paying {$1000.00} several times, until we found out Loandepot defrauding us with our Loan payment. Fraudulent conveyance information with my ( tax-exemption ; Code : T XXXX ) and also our Mortgage insurance disregarded by forcing {$100.00} on Escrow ( for Taxes and Insurance ) which brings it to {$1000.00} ; while " Praetorian '' is still our mortgage insurance. Loandepot Scheming and gouging us financially ever since. They 're still asking for {$150.00} as an overdue amount without an explicit detail. 
They are not VA Lender by the way. If they are, they will follow the VA guide-lines for Veterans Home Loan Eligibility accordingly. Nothing ; but willful fraudulent scheming and, financial gouge type of Loan Depot of course. 


Sincerely SubmittedXXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX VeteranXXXX ... ... With ... ..HONOR, COURAGE, AND COMMITEMENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TrueAccord Corp.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im getting emails from TrueAccord for credit that was paid to another collection agency over 3yrs ago via garnishments. I even have a copy of the writ of garnishment to prove it. The dates of the emails that I can see are : XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. I guess they think I didnt retain any records or would blindly accept their fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: First Data Corporation
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Over a period of several years, I have made many purchases at an office supply retailer, mostly paying for them with a credit card. On XXXX XXXX, 2016 I made a purchase, costing a little more than {$150.00}, using a personal check. To my great surprise the cashier advised me that my check was " denied '' and gave me no explanation. There was plenty more in my checking account to cover the cost and I have never written a bad check. I used a credit card and the transaction went through without a problem. The next day, out of great concern for why my check was denied, I returned to the retailer and spoke to the assistant manager. He was very professional and immediately offered to look into it. He made a phone call, asked me a number of questions and I answered them. He was advised that my check was " referred, '' not " denied, and was advised to tell me to call an XXXX number to learn why my check was " referred. '' Anxious to learn about my " problem, '' I returned home and called the number. The company was TeleCheck, unfortunately, a recorded voice answered and proceeded to ask me a number of personal questions, including the dollar amount of my purchase, date of the purchase, and entire line of data at the bottom of my check. After repeating this process at least three times, I was told that someone would be with me in a moment. Following about 10 minutes of silence, I got a busy signal and I hung up. I re-dialed, and went through the process again. The voice finally advised with words I believe were : " ... ( a few short words I do not recall followed by : ) sorry for the inconvenience. '' and disconnected. I had no opportunity to speak to a human being and was left wondering about my checking account, my credit rating, etc. I then XXXX " TeleCheck '' and learned from numerous, written, customer " complaints '' that they are a fraud. I made copies to pass on to the retailer and my banker, both of whom thanked me for the information. My big concern is that I have not been told why my check was " declined, '' initially, and then was " referred. '' Another big concern has to do with the company, TeleCheck. This is a company that has been in the security business a long time and is now regarded by many innocent customers as being a fraud. From what has happened to me ... providing the recorded voice with some very personal information about me and my checking account ... I am extremely suspect as to TeleCheck 's intentions. I can not help but believe that this is an attempt by TeleCheck to steal my identity information and make it available to others at a profit to themselves. After a long history of customer abuse, I do not understand why this company is allowed to continue doing business! I trust that you will look into this matter as soon as possible and will get back to me regarding the next step in this complaint by me. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Friday, XX/XX/2021 my mother received a notice from Credit Collection Services of a debt in my name. My mother is not, nor has ever been on this account. The name and address of my mother is different from mine. 

I contacted Credit Collection Services to inquire as to why my mother was contacted about this debt. They claimed that it was impossible that she was contacted as her name or address was in no way associated with this debt. Credit Collection Services was unable to tell my why my mother was contacted, nor give me any indication that she, or any other third party, would not be contacted as well. 

The company who shared my personal information is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
RESURGENT CAPITAL SERVICES OBTAINED AND BOUGHT A XXXX XXXX ACCOUNT WHICH WAS COVERED UNDER A BANKRUPTCY COURT ACTIONS SO FILED WITHIN THE XXXX KENTUCKY DIVISION OF THE UNITED STATES BANKRUPTCY COURT, REFERENCE ID # XXXX, ACCOUNT NUMBER ENDING IN XXXX ; ORGINAL CREDITOR WAS XXXX XXXX, THE CURRENT OWNER OF THIS OLD DEBT ACCOUNT WAS PINNACLE CREDIT SERVICES FOR A BALANCE OF {$1200.00}, THE ORGINAL ACCOUNT OWNER WAS XXXX XXXX XXXX. THIS ACCOUNT UNDER PENNACLE WAS DIS-CHARGED IN A BANKRUPTCY ACTION AND DUE TO KENTUCKY LAW OF LIMITATIONS THEY CAN NOT OBTAIN ANY FUNDS FROM ME TO PAY WHEN IN FACT THEY ARE NOT ENTITLED TO BRING A LEGAL GROUND FOR DOING SO, THEY ONLY INTEND TO RIUN MY CREDIT AND REPORT AGAIN AN OLD DEBT TO ALL THE CREDIT REPORTING AGENCYS SUCH AS, XXXX, XXXX, XXXX, THEY IGNORED A WARNING LETTER AND A CEASE DESIST LETTER AS WELL, THEY CONTINUE TO HARRASS ME AND MY FAMILY MEMBERS WITH CORHESIVE TATICS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: WESTERN UNION COMPANY, THE
State: OK
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
Hi, I did sent mony from XXXX to XXXX {$1200.00} but the system exchange it to current currency and I called customer care to cancel the order and I got approved for that. Four days later I called back WU and they said it is not canceled and we give you points for next transfer. The problem is that the receiver can not get that money because it is not in Dollar. I want you return the money back or make it Dollars. I have called many times and these are the reference numbers XXXX - XXXX. They said the receiver must reject the money first. The problem is that the reciver is not even know where it is. The bank and WU in XXXX says no money come yet. Now, I need a solution or I am going to sue you next week because of difficulties in my business. I do n't respect that happened to me in my first time I use WU. please cancel the order as I requested before on time and return the money back so I can find a better way to transfer or make change to the money to be received on Dollars. Again, receiver can not find it. 
XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05
Company: KEYCORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have formally requested by certified mail on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 that XXXX XXXX XXXX XXXX XXXX provide me with VALIDATION of the account they have listed under my social security number acct # XXXX that they are reporting to the XXXX major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I request such VALIDATION of the debt. Also to certify that the debt was incurred legally during the period it may have been payable this is not a request for an overview of lacking depth in lieu of that this is a requisition for a substantive audit. They have failed me and only provided me with an invoice bearing no evidence that this debt belongs to me. They have also stated that they have disputed this account and will not dispute it any further and no further response will be forthcoming from their office they consider this dispute closed.Thank you in advance for your assistance in getting this account deleted since they have failed to provide me with validation in a timely manner per the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, The card was used for the payment of an enterprise car rental back around XXXX  yrs ago, I made the complaint with the store they said that they will provide me the credit never happen I decide to contact my XXXX  XXXX credit card and dispute the charge and after their investigation, the payment was back to me. Now after almost 5 yrs I decide to check my credit score and looks like the XXXX  sent me to the collection and I was never informed to a company Caine & Weiner XXXX XXXX ) XXXX XXXX I call and is over 3 months and they still don sent me an official letter explaining the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: RANLife, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ranlife changed my loan number and messed up the record keeping of payments in XXXX. Subsequently due to general negligence their original servicer XXXX reported lates, then Ranlife reported lates through the new servicer XXXX. 

We had no lates in XXXX or XXXX, My bank actually shows additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I get a chargeback on my account on XXXX/XXXX/16. I contact my bank Capital one and fax the documents on XXXX/XXXX/16 as request by the bank. I received a notification on XXXX/XXXX/16 that my dispute was denial due to documents received after the date line. I called the credit card company with prove of documents faxed on time and they still applied that he was received after the date specified in the letter. The company did n't give me the regular time frame and did n't follow with me about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are XXXX accounts on my credit report that are not mine I have been disputing these since XX/XX/2020 I have not receieved anything back from the bureaus regarding this I have filed an FTC and still nothing back from the furnishers or the bureaus I need this resolved asap. This is not ok to be dragged around like this for someone elses mistake. 

XXXX XXXX XXXX - Acct # XXXX {$1400.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX -Acct # XXXX {$0.00} XXXX - Acct # XXXX XXXX {$0.00}

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 2016-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been a good customer of Capital One credit cards for four years. I also bought and paid for XXXX cars through Capital One bank. I have never once been so much as late on one payment. Recently, they asked me to switch to a new credit card called the Quicksilver. I switched, and the day I activated the new card they froze it and stated that they had concerns with my identity. I verified my account to them and they still would not tell me what they wanted. When I called customer service, they indicated that they would be sending me an email that explained things but would not tell me again what the problem was. I asked for a supervisor, they gave me one, who again would not tell me what the issue was or what the problem was. Again zero resolution and the service agent just kept talking over the top of me and telling me " what Capital One was going to do. '' So I said I wanted another supervisor, and he told me I would have to have one call me back in 72 hours, so I told him I wanted a supervisor and I would wait for one. This bank offers its customers the worst treatment of all time. They treated me like a criminal. What is worse is they indicated that although they have concerns about who I am they will still send me a bill, which I can then pay out of my bank account. So I told him I wanted to pay off the card, bring it to a XXXX balance, and then keep it open but never use it again. They said they would not process the charges. At this point I need your agency 's help to resolve this issue and no longer desire to speak to Capital One without your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Issue: Delinquent account

Complaint:
My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a Kohl 's card through Cap One. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my Kohl 's payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised Kohl 's of the bank issue. I disputed this with Kohl 's and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter Kohl 's would have cleared up the matter, but I just pulled my report and it is still on there. When I called Kohl 's they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Cash advance

Complaint:
I applied for a capital one card back may of last year. this pass fall of last year i took out a cash advance. i sent in payments amount that should have paid XXXX of the cash advance amount. When i look at my XXXX statement i was shocked that my cash advance amount had not deminised at all. So i called capital one to see why my cash advance amount had n't went down. I was told that after they fees amount have been deducted then whats left over would be split and XXXX half of that amount would be subtracted from the purchase amount and the other half would be used to reduce the cash advance amount. So I decided to continue to pay far more than the minimum amount due so that was left over would completely reduce or in my case totally gotten rid of the cash advance amount. Three months late to my shock the cash advance amount was still the same. Being greatly concern and in anxiety about this I called capital one again. Now they tell me that I have to pay the entire balance on my card ( purchase and cash advance ) amount in order for the cash advance amount goes away.They said that cash advance amount would remain the same forever, and they will continue charging interest on the full amount continually forever otherwise. This is criminal, i would fair better at XXXX robbery. This is so wrong on so many levels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-19
Company: Jim Bottin Enterprises, Inc
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 had a membership with XXXX XXXX. Their business was purchased by XXXX XXXX over XXXX years ago. I never received any notice from XXXX or XXXX that the business had been sold and that my account had been turned over the new gym. Some months later my credit card was charged {$150.00} by ABC financial. So I called ABC Financial and was told they handle the billing for XXXX and I have a membership there. I have never stepped foot in to a XXXX facility and have never signed any agreement with them. They tell me to call XXXX, I do, and XXXX tells me to call ABC. I call ABC Financial I told them that I did not have a membership at XXXX. I had XXXX at XXXX and never signed any agreement with XXXX and I wanted a refund which they refused. I told them to cancel my account. The next year they charged my credit card again. I called again and went through the same conversation. No refund, telling them I do not have an account and they say I do but they would cancel it now. This past year our credit card number had been changed so they can no longer charge it. They have been harassing me via telephone and email. I have called and spoken to XXXX different account reps who say they have taken care of it however, I am still getting emails. Now they are trying to charge late fees and telling me that if I do not respond within XXXX days in writing or pay the bill their office will take action. XXXX will not speak to you about billing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, I used the bank of America 's ATM machine at work ( which is at XXXX  ), to withdraw XXXX dollars, I have been doing the same thing for a couple of months since the bank branches are always long wait during the pandemic, only this time no money came out of that machine. so I immediately called the number it posted and filed a claim. I thought of nothing since it's a bank 's machine malfunction problem that should be easily solved. After the claim was filed, a temporary credit was issued the next day. however, after XXXX weeks I received a denial notice stated that money was dispensed to me and If I disagree. I had to use an old fashion fax machine to apparel, which I did XXXX, all are denied. and the bank refused to show or state that they actually have a video showing i did receive the money

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