BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-18
Company: Stellar Recovery, Inc.
State: WV
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:
XXXX 2014 I was contacted by XXXX stating that I owed a bill. I told them at that time that I have never had their service and asked for the service address, which I was told was in California. I informed the rep at that time that I have never had the service and have never lived in California. At that point I was told that it would be taken care of an apologized to. No further contact was received. 

I recently applied for a job with XXXX XXXX and as part of the process for selection, my credit was pulled. My credit is not perfect but I have worked hard to repair my credit and pay debts off and have succeeded thus far. When reviewing my report in XXXX that was pulled for the candidate selection I found a collection notice on their from Stellar Recovery in MT for XXXX XXXX. I contacted Stellar, who had my current address but was referred to XXXX. I have talked to XXXX numerous time and they have not been able to find an account in my name matching the last XXXX of my social. The last conversation I had with them is that it is not my fault I allowed my information to be compromised ; outrageous. If I had allowed my information to be compromised why could they not find an account in my name? I was talked down to and spoken to horridly and still I am now getting the blame. I have lost the job that I was after, which would have given my the income boost that I need. XXXX simply will not do anything at all. A negligent company like this should not be allowed to be in business. I feel that they should be financially responsible for my job loss, violating the laws of conversion and allowing a fraud to occur and reporting falsely against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Ballato Law Firm, P.C.
State: VA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had my house foreclosed on XX/XX/XXXX for {$78000.00} and sold for {$38000.00} which left a balance of XXXX. I recently received a letter from a debt collector for {$56000.00} with daily interest of {$7.00} on remaining balance which the letter was delivered XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have XXXX state tax liens listed on my equifax report as released. The liens do not belong to me. XXXX and XXXX completely removed the liens from their reports, however Equifax refuses to do so. When contacting the state they immediately released the liens stating that they were filed against a business that I had previously sold and had no responsibility for, and they sent a letter stating they were released. Equifax shows these liens as released, but as they are still showing on my credit report they are hindering my ability to receive financial aid and take out student loans for medical school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: WESTERN ALLIANCE BANCORPORATION
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
The Bank of Nevada/Western Alliance Bank AutomaticTeller Machine location XXXX at XXXX XXXX XXXX XXXX XXXX Nevada, did not released the {$400.00} I requested on XXXX XXXX, 2016 approximately at XXXX using my XXXX XXXX Debit Card .A message on display stated an invalid transaction. On a second try I collected the {$400.00} with a receipt of the transaction which indicated the previous {$400.00} were already deducted from my XXXX XXXX debit card from my checking account causing a low balance of {$310.00} from the XXXX checking account balance. I immediately on the same day XXXX XXXX, 2016 I reported the Bank of Nevada/Western Alliance Bank 's ATM Fraudalent Activitiy to my XXXX Customer Services representative, XXXX XXXX XXXX, at the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Nevada. The XXXX XXXX representative, XXXX XXXX XXXX is claiming the {$400.00} from the Bank of Nevada/Western Alliance Bank be credited to my XXXX XXXX as soon as possible. Such ATM fraudulent activity caused me to suffer severe financial distress lowering my Checking Account Balance with insufficient funds to meet my next financial obligations due on XXXX XXXX, 2016. My income is from the Social Security Administration Retirement Benefits payable only on the Second Wednesday of each month. My next direct deposit is due on XXXX XXXX, 2016. Consequently, because of the Bank of Nevada/Western Alliance Bank 's Automatic Teller Machine 's fraudulent system I am suffering a severe financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
On XXXX XXXX, 2016, I requested a copy of my free annual credit report. The automated system stated one was already sent. This happened with all XXXX agencies. I put a fraud alert on all XXXX reports. I tried to get my reports by phone and letters and still have not received these reports. I need someone to intervene on my behalf. Any help from your department would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called Carrington Mortgage Services, LLC today inquiring about my XXXX Mortgage Interest Statement for 2016 tax year. I was informed by the customer service rep ( XXXX ID # XXXX ) that due to my mortgage loan being transferred from XXXX XXXX XXXX in XXXX 2016 I would not be receiving XXXX. I informed the customer service rep that I made a mortgage payment of {$1000.00} on XXXX XXXX. Also as of XXXX XXXX, 2016 Carrington Mortgage Services paid {$3000.00} to XXXX County for taxes. I was again informed that because the interest I paid was below {$600.00}, I would not be receiving a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Monterey Financial Services LLC
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been payingon this loan early every month. I get a letter in the mail on XXXX XXXX stating that I am overdue. I called the number on XXXX XXXX and spoke to XXXX Representatives. The first representative told me my account is current and to disregard the letter. I had concerns with this representative and spoke with another representative this representative was very rude and after 15 minutes of going back and forth finally she told me that the reason my account is overdue is because on XXXX XXXX of 2015 they did not receive a payment therefore for every month after that I have received a late payment and they have applied the payment I made for the month it 's supposed to be to the previous month. I had no knowledge of this missing payment I sent the payment in the mail as I have done every single other month I got no notification and was completely unaware that they have not received a payment. I called on XXXX XXXX and was on the phone at XXXX XXXX XXXX minutes before and XXXX minutes after I talked XXXX XXXX she informed me that they did not have my phone number they had tried to contact me they do n't mail out contacts and it was not her responsibility it was my fault and if I could n't provide proof for my bank that it had been cashed that they were completely within their rights to charge me the late payments and continue to play each payment that they receive each month early with a statement that they gave me that goes with each check for the according month she told me that that was their business practice. I asked why they did n't send me a letter some notification something I asked her to hear me out she was rude and horribly demeaning. I did call my bank today and there was not a payment for XXXX cashed. did send this and I did n't know they did n't receive it now they have been charging me late payments for over a year as a penalty and not sent me any kind of notification that I received I 'm stuck and I need help and clearly calling on my own has gotten me nowhere. When I ask to speak to a supervisor I was told there was none available their and there would n't be any available and If I wanted to speak to XXXX I just have to call and try my luck. Those are direct quotes. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Opened a Simple account XX/XX/2016, linked my local bank to the account, made a couple of EFT 's from my bank and then started using it for purchases in XX/XX/XXXX. Made a {$2000.00} EFT in XX/XX/XXXX that was debited from my bank balance, yet is in limbo in the Simple account. That transfer seems to have triggered a review and verification. As of XX/XX/XXXX, my account has been frozen with an original standing balance of {$1200.00} and the XXXX not added to the total balance but shows up in the ledger on the phone app. I was asked to submit my ID, SS card and 2 recent bank statements in PDF format. Several calls, messages and months later, my account remains frozen and unverified. I spoke with a manager today and was told that the PDF 's I sent them directly from my bank looked scanned are not acceptable. I asked if I could have the entire {$3200.00} transferred/deposited back into my bank account and was told, " no ''. I asked how else I could get this resolved and they had no answer. I 've used PDF 's from my local bank for verification with other institutions in the past without any issues. Simple seems to think my bank has a problem generating the proper documents, yet they have no other solution for me to submit the proper forms for verification that would unfreeze my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-04
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dear XXXX ID # XXXXThis is another QWR being filed. SLS has not taken care of sending documents to the county for recording and sending us the relocation assistance. 
In response to your letter dated XX/XX/2015, you made a statement that the paperwork has been internally approved and will be executed and forwarded to the county for recording as soon as possible. SLS is unable to advise as to the time it will take for recording once the document has been forwarded to the county for recording. The funds for the relocation assistance will be provided once we have confirmation of the recording at the county. 
XXXX, the issues are as follows : ( 1 ) For months I 've been told it has to go to recording. Each time I 've asked your agents and XXXX XXXX, who is the person to talk to, your agents and/or XXXX XXXX would tell me that 's not their department and have a supervisor call me, and a supervisor never calls. 
( 2 ) Since SLS has not sent the documents to county for filing, you have not sent the relocation assistance. 
XXXX, I need for you to tell me the person who 's responsible in having the deed/title processed to go to recording and why is it taking so long for your company to send to the county for recording and send the relocation assistance? 
For months, I 've been getting bureaucratic answers and no one has sent or processed the documents to go to recording. As you mentioned in your letter, there is no liens on the Deed/Title, so the next step is to go to recording. 
Now, I know you SLS do not process the recording documents, but I 've talked to the supervisors in county recording, and they told me that it would take XXXX hours to process, once they receive the documents from SLS. 
Again, I 'm asking you to provide me the name, phone number of the person, who is processing the documents to go to county for recording. 
SLS has not been truthful with me and sending me through your bureaucratic process, which I should not have to go through. 
Per your letter dated XX/XX/2015, we have met all of the requirements and the DIL was approved by SLS. 
Again, I asking for SLS to send the documents immediately to the county for recording and send us the relocation assistance, that we 're entitled too. 
Awaiting your response. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Halsted Financial Services, LLC.
State: OH
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 keep getting calls from Halsted from about XXXX different numbers. I answer and that ask for me and I say yes and they ask for my social and I refuse to give it to them and they hang up. I have no outstanding debts of any kind and I am sure of it. They call me about three times a day over the last three days. They are harassing me without any reason whatsoever. They do not leave messages and hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX19 Capital One closed my account. I had a XXXX credit line. They are not giving me a specific reason for the closure. I was never late and I pay the bills way ahead of time. I've trying to get the account reopen as I use it mostly for my business. I can't get anyone to return my phone calls. Every time I call I'm directed to a voice mail and nobody calls me back. There is nothing wrong with my credit and I never did anything wrong with this account. In addition I'm owed about {$500.00} in cash back which they haven't credit my account. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Monterey Financial Services LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a loan with Monterey Financial Services, LLC. The loan was paid in full with no late payments approximately 4 months ago. Monterey Financial Services, LLC has failed to report the loan to all XXXX mayor credit bureau and failed to report the account is closed and paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I placed an order for {$310.00} with XXXX XXXX. They posted double that amount for authorization. An additional {$310.00} worth of my funds were held that I could not have access to. 

When I called the bank they refused to get on a conference call with the manager at XXXX and I to resolve this, and the manager at XXXX refused to admit that they had requested double authorizations. 

They both said the amounts would " fall off '' in a couple of days. When I told both US Bank and XXXX that I had checks that might be coming through they both said they would do nothing to help. US Bank said they would charge me insufficient funds fees if anything bounced as a result of this mistake. 

I spoke a supervisor named XXXX. He acknowledged that XXXX authorizations were incorrectly applied, but because of US Bank 's policies, he could not help. He also said that if I was charged NSF fees it would " at the bank 's discretion '' as to whether or not they would reverse those fees due to a merchant error.

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 non-monetary relief
Consumer complaint received 2023-01-31
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
To whom it may concern, My federal student loans ( sub and unsub ) were serviced by Navient for years... dating back to 2016 ( emails that far back )... I was continually prompted and encouraged to put my loans in forbearance as I looked for options to repay... I now how {$100000.00} and my original loans totaled approximately {$45000.00} ... more than half of my balance is interest! I can not get any information to as if I am due any relief ... can you please help me? Thank you in advance!! 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: Associated Credit Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have a bill from firsts energy of {$280.00} and when I first moved from the property that it was owned it was {$400.00}. I have been in communication with first energy and they 've told me several times that they will NOT PUT THIS ON MY CREDIT REPORT as long as I make payments. Does n't matter how much I make long as I put something towards it. They also mentioned that with the system they have it may have to still go to collections bc its old however it wo n't go on my credit report. So associated credit services called me SEVERAL times and I explained to them my situation and assured them many times the status. Last call was one week ago and I let them know I made a payment. So I just made a payment a week ago and advised every time I get paid I will make a payment So the lady said se was willing to work with me and will also keep it from going on my credit report. Yet I see it on my credit report and different reps at this office said different things. I am doing my best to pay this off and I do n't want to be harassed and threated and on my credit report.Most people do n't even make attempts but I do and will keepon until its paid. I have a illness that kept me from work so I could n't pay the big amount of {$50.00} like I was as I was behind on so much but again I have been working on it. So I want them investigated and shut down for all this mess they just caused with it being on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This office is calling me numerous times a day, to my self, my home phone, my spouses phone and also calls me at work when I have notified them not to contact me at work. I refuse to speak with them because they are very rude and demanding on the phone.

Company response to consumer: Closed
Consumer complaint received 2016-09-28
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are behind on our mortgage payments and are working with a lawyer. SLS ( Specialized Loan Servicing ) keeps calling my XXXX year old mother and is upsetting her. They ask her for my phone number and keep calling her

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 2017-04-05
Company: Monterey Financial Services LLC
State: MS
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a letter of debt verification to Monterey Collections, XXXX, CA XXXX in XX/XX/2017. They sent me a letter stating that they will not send me verification of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was served with paper work, for XXXX County Colorado. I went to file an answer. The clerk informed me that there was not a case number on the paper work. She then informed me that with no case number then there was no case. I do not owe any amount of money to their client, and they will not remove it from my credit report, as I am trying to use my V.A. benefits to buy a home. As I am XXXX XXXX, and my condition is getting worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: U.S. BANCORP
State: KY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened up an account a few years ago with U.S. Bank with my then husband XXXX XXXX. After separating, we both went to a local branch to sign myself off all accounts. We sat with a personal banker as I signed my name to be legally taken off all accounts. I found out months later, that an account was hitting my credit, and it was with U.S. Bank. My now ex-husband XXXX XXXX XXXX took out a credit line with U.S. Bank that still had my name and social security number attached. I have no idea what the money was spent on, and he is not paying off the balance as agreed upon. U.S. Bank lied to me about being taken off, and closing all accounts that were associated with me.

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 non-monetary relief