BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-13
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, Im writing this letter to complain about the deceptive service Im receiving from my mortgage servicing company Loancare aka Myloancare.com. They sent me an escrow analysis in XX/XX/XXXX which forecasted the property taxes to be higher than expected which resulted in my monthly mortgage payment to increase. I called them to get some information about the process of getting this adjusted when the actual taxes are paid on my property because I knew the tax amount would be less than forecasted. I was told to call back towards the end of XX/XX/XXXX after Loancare pays the exact amount of taxes on my property. As I was told I did call on XX/XX/XXXX and I confirmed that the taxes were in fact paid at the beginning of that month, I also confirmed that the amount is about {$1000.00} less than what was forecasted on their XX/XX/XXXX escrow analysis so I requested a new escrow analysis. The agent told me that the new analysis would be completed by XX/XX/XXXX. On XX/XX/XXXX I called Loancare to inform them that Im not seeing the updated info yet so they told me that the XX/XX/XXXX deadline I was previously given was incorrect and that I should wait till XX/XX/XXXX for that info. Again XX/XX/XXXX came and went and the escrow analysis was not completed so I contacted them again and was told that this process should be done by the XX/XX/XXXX and if not I should request to speak with a supervisor. I called back on the XX/XX/XXXX since it wasnt done again and even spoke to a manager but they all stated that the analysis was not done yet and that by Friday XX/XX/XXXX the system should update and reflect the up to date numbers. Today is Saturday XX/XX/XXXX and again no new escrow analysis was posted or updated. 
I feel that Im being given the runaround and that they are not honoring these deadlines/timelines they keep providing me. I even sent an email to their customer service and I just received the automated response but no resolution. Its not professional to lie and deceive customers or send them the message that things would be done when Loancare feels like it. After all of these attempts and the pattern of their business practices I feel that this delay is intentional and I want this analysis to be completed and my information updated as soon as possible so we can budget for our mortgage accordingly.

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 2019-07-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Bank purchased my Florida condo mortgage from original lender ( XXXX XXXX XXXX  XXXX ). Since my condo is in the state of Florida, it is required that I pay for Hazard and Flood insurance through the XXXX ( XXXX XXXX XXXX ). In Texas, you have to buy walls-in insurance ( know as H06 ) since the insurance provided by HOAs don't cover that. However, in Florida, because of Florida Statute 718.111 which dictates what HOA Master policy covers for each unit, typical walls-in policies are not required and optional for owners ( whether you want to buy for furniture, fixtures, improvements ). XXXX XXXX XXXX recognized this so it was not required. Last year, after Wells Fargo tried to dictate that I purchase walls-in or what they call improvements & alterations insurance now, I went back and forth with them many times and finally, after sending a copy of Florida Statue and Declaration of Condominium, I finally got a rep ( named XXXX ) to understand and it was again NOT required. This year has been the same back and forth. They send letters, I send proof by fax, uploading to their site and have spoken with many of their insurance reps that promise to call back and never do and even spoke with several dispute resolution " officers '', but have never gotten them to put me through to a manager. I've sent them and explained everything they say they need and they promise to call back ... never do. Now they have force placed insurance. My last call was with rep XXXX on XX/XX/19, upload Declaration of Condominium AGAIN which explains coverage purchased  through XXXX, she promised to call back the following Tuesday and never did. How can I resolve if they don't follow through. They don't want to resolve or understand and now they are trying to raise my payment do to the force place insurance even though the ball is in their court to resolve. No reason I should have to purchase this expensive insurance since I already pay around {$2300.00} through my XXXX which will rebuild the unit if damaged to equivalent of original finish by developer. This is typical Wells Fargo cheating customers. Lenders having no say in who mortgage is sold to is the deep rooted problem. Wells Fargo does not exercise Fair Practices and don't have customer service practices that lets borrower resolve issues.

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 2018-01-13
Company: Smith, Rouchon & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing a complaint in regard to Smith, Rouchon & Associates ( SRA ) in regard  to three accounts that are reporting to XXXX and XXXX. I sent a certified letter to SRA in XXXX 2017 requesting debt validation as I am afforded the opportunity to validate any debt that is reported on my credit bureau reports. I also requested at this time HIPPA authorization signed by me allowing SRA to access my medical records. In response to my letter I was not sent any of the requested items afforded to me under the FCRA. I was however sent a letter demanding payment from XXXX XXXX specifically stating " You must pay the debt in full now ''. I have given ample time for the requested validation of debt and HIPPA authorization to be provided as requested to no avail. I will be including a copy of the original letter sent requesting said items and the response letter from SRA. I have not received any further correspondence in regard to these debts from SRA. IN addition I believe one of the debts in the amount of XXXX to be related to a worker 's compesation incident which was already paid by XXXX XXXX. In the state of Mississippi it is illegat to attempt and collect additional monies from a workplace injury victim. If needed I will provide proof of where this debt was paid by XXXX XXXX. I also have the worker 's compensation case number as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving 2 calls a day frequently from numbers associated with Midland Credit Management. I went to their website and tried to look up an account with the information the website asked for ( last name, birthday, and last 4 of my social ) but nothing came up. I called today ( XX/XX/XXXX ) to find out what I had in collections with them, but the woman that I spoke to ( didnt get any names of any employees ) wasnt able to find an account in my name either. She gave me the number XXXX to call and check with them, too. I called the number and the man who answered asked for my social, so I gave him the last 4 just like I did when speaking to the woman from before. He said No, I need your full social security number. I responded is there another way you can look it up, cause I dont feel comfortable giving you my full social and he seemed to get an attitude after that, but verified that I didnt have an account with them. I then called their complaint line and explained to the man who answered that I wanted to file a complaint because I had been getting calls about an account that they didnt even have with me, so the man tried to look up my account and told me I didnt have one so there was no reason to file a complaint. I responded that regardless, I wanted to speak to a manager or supervisor because they have been harassing me over debts that I dont have. He said he would transfer me to a manager but I was just left on hold until I hung up 10 minutes later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Experian Information Solutions Inc.
State: SC
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:
I sent letters to the 3 major consumer reporting agencies on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of fraud. I asked that if any accounts were verified that the proof be sent to me, my request were not honored.

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 2018-01-19
Company: Ad Astra Recovery Services Inc
State: HI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent multiple dispute letters to Ad Astra Recovery Service Inc, requesting they confirm the alleged debt they claim I owe. I have not received any response or documentation stating that I have a signed contract with Ad Astra Recovery Service Inc. This company continues to report to the credit bureau companies and has affected my credit profile negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Quality Recovery Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1 ) On XX/XX/XXXX I was allowed early release from my lease by XXXX at XXXX apartment complex. 
2 ) On XX/XX/XXXX my application for apartment rental at XXXX XXXX XXXX XXXX was declined citing derogatory collections filed on my credit report. I ordered a copy of my credit report and found that Quality Recovery Service ( working with the aforementioned XXXX at XXXX XXXX  ), had recorded debt owed in the amount of {$3300.00}, in error on my credit report. Quality Recovery Service later reduced this amount to {$1400.00} and later to {$330.00}, in an attempt to correct their error. 
3 ) On XX/XX/XXXX I received a copy of a letter from XXXX at XXXX XXXX  addressed to Quality Recovery Service informing them that I " was allowed to move out without termination penalty ''. 
4 ) On XX/XX/XXXX I wrote a letter to Quality Recovery Service asking them to remove the collections from my credit report, which was placed in error, and to send me an invoice from the correct amount owed ( for water bill not yet received at the time of moveout, and prorated rent. ) I indicated in that same letter that I'm will to pay any amount owed, but Quality Recovery Service has refused to removed the {$330.00} from my credit report. 

The problem is that I'm willing to pay this amount but not until they correct their error by removing it from my credit report and billing me! Even after I make the payment, the record on my credit report would only show paid in full, when they should not have placed any amount on my credit report in the first place. I am pleading with CFPB for assistance in getting Quality Recovery Service to first removed the error from my credit report then invoice me for the correct amount and If I refuse to pay, that is only when they should report a delinquency to credit reporting agencies. They can't just reduce the amount of their error, they have to reverse the error and invoice me the correct amount to pay!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 about 50 inquiries on my credit report. I didnt put there. The only inquiries I put where capital one when I bought my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I was scammed out of 4 {$500.00} XXXX gift cards.i didnt believe it was a scam because I made the phone inquiring about my XXXX XXXX account listing so I legit assumed I was talking to an agent. He was able to pull up my info just with my listing number. After I bought the gift cards I realized it was a scam so I immediately called the credit card company and they took the charges off and said I was all set. I reported it to The Federal Trade Commission, the XXXX company and XXXX XXXX XXXX where I purchased the gift cards. Two weeks go by and on XX/XX/2019 I get a call from the credit card company asking me what happen and after I explained they said they were putting the charges back on after they said I was all set. I was told I could dispute the matter so on XX/XX/XXXX I called and spoke to the agent, she heard my story and was apologetic and said we are excellent customers, have excellent credit and will work hard to remove the charges. They said they would be sending me a dispute form by mail or email. A week goes by and no dispute form, and no email. On XX/XX/2019 I began a online chat with an agent named XXXX and asked about the dispute form and she said I would be receiving my refund in 2-3 business days and still no refund. I have proof of conversation. I then decided to mail a dispute form to the credit card company with all my documents and letter, and still nothing!! On XX/XX/XXXX they mailed me a letter saying thanks for your dispute but this is false information because I didnt dispute this until XX/XX/XXXX the day after.

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 2017-11-25
Company: Conn's, Inc.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We had a payment due on the XX/XX/XXXX. we are always late and understand that, however, the calls started on XX/XX/XXXX, and it is now XX/XX/XXXX. my wife and i both have received almost 80 calls put together in that short time period. on average, that equates to a call just about every hour 10 times a day. we are not trying to dodge the debt, and the amount of these calls is absolutely unnecessary. example, on XX/XX/XXXX there were six calls to my wife 's phone between XXXX XXXX and XXXX XXXX. total number of calls that day alone was 15.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was threaten by my case manager several times in the beginning of my debt being sold to this company. I was threaten over and over again. However, once I set up a payment plan with this collection agency Citi Bank continues to post on my credit report that they are not receiving a payment. Where is my money going? Why am I being threatened?

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 2019-07-22
Company: Allied International Credit Corp., (US)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter was sent to me to attempt to collect a debt for XXXX. I do not have an XXXX account and do not owe any money to them. When I called the number on the letter to try and resolve the issue a women who could not speak English answered the phone and attempted to gain additional information. 
Amount on letter attempted to collect is XXXX. The letter head reads AIC XXXX XXXX XXXX XXXX XXXX. XXXX VA XXXX. I submitted a complaint to XXXX and the authorities but want to report thus scam so others are aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX is not only trying to collect a debt that I do not owe, but who they are claiming is the original debtor ( XXXX XXXX ) is a company whose services are not even available to me at the location where I have lived for over five years. I moved to Washington State over five years  ago in XXXX of 2012. In addition to this fraudulent attempt to collect a debt I do not owe, this company has posted a derogatory remark regarding this fraudulent debt to my XXXX Credit Report that has harmed my credit score.

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 2022-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES.BLOCK AND REMOVE THEM. 1.XXXX XXXX. 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX XXXX XXXX 10.XXXX XXXX. 11.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I believe my credit card was used with out my permission. I have never used my credit card. There are over 25k in charges that I did not make. I do not want my card closed however. I just want the charges erased from my balance sheet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is Experian. Thank you!

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 2018-01-14
Company: Client Services, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was threaten by my case manager several times in the beginning of my debt being sold to this company. I was threaten over and over again. However, once I set up a payment plan with this collection agency XXXX XXXX  continues to post on my credit report that they are not receiving a payment. Where is my money going? Why am I being threatened?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Home Loan Center, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
We applied for a loan with lending tree on Wed XX/XX/XXXX within two min we got a call from loan officer XXXX XXXX told us we were approved for a {$5000.00} loan thro XXXX XXXX XXXX and that they required 5 % ( {$250.00} ) security deposits because our credit score was under 700. We called XXXX XXXX and they knew nothing of this. When asked why XXXX didnt know he answer us wither deal with its investors not the branch. We followed the directions borrowed the {$250.00} from my mother and sent the {$250.00} and within 5 min we got an email forwarded from XXXX fromNV department of finance saying we had to pay another {$320.00} + {$8.00} stamp fee in fees to the state of NV, well I called the state finance department and that is when we learned we had been scammed. We have reported them to IC3, Interpol, XXXX, and the real lending tree. We want our money back ASAP, they wont answer or return calls or emails and now today Monday the XXXX their phone number is disconnected. I have all their info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Stewart Information Services
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have not been paid by XXXX XXXX investor Vendors, XXXX XXXX aka XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX c/o XXXX XXXX, and XXXX XXXX, for XXXX XXXX  XXXX XXXX that started XX/XX/03, & is now traded on Stock Market, as shown in emails sent to me from XXXX XXXX, et al., under STOCK.I.D. named stc.They change their stock I.d . and business name or structure between emails to continue the fraud trading, buying, selling, competing with my stock.

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