BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This collection agency " Pro Collect '' has placed debt collection information on my XXXX and XXXX credit which has lowered my score. I have called them numerous times and they have sent me a XXXX page, very heavily coded, letter which tells me absolutely nothing about this alleged debt. They placed this debt collection info on my credit reports BEFORE they even contacted me to collect the debt. I have told them NUMEROUS times, if they can show me where I actually owe this {$75.00}, I will be very happy to pay it. But they never bothered to show me. This is just not right. My credit has always been almost XXXX and it 's now XXXX. I want them to prove to me that I owe this debt or take my name off their list and clear up my credit score. These are very difficult people to work with here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: KEYCORP
State: NY
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Applied for loan/did not receive money

Complaint:
In XX/XX/XXXX, I applied for a home equity loan with key Bank for the amount of XXXX. I built the home in XX/XX/XXXX and with the use of my personal credit cards I bought items needed to finish the home. I applied for the equity loan with the option of paying off the balances of all credit card debt. Off. Key Bank was paying the credit card debt directly form the loan. The home was appraised at XXXX I have a XXXX dollar montage on the home. This low mortgage and the value of the home gives me the equity needed to pay off the credit cards, finish decks, sidewalks etc. I have NO debt other than my mortgage / which is XXXX a month. Taxes are XXXX per year, land and school. My income is XXXX per year. without credit card debt, i have the necessary income to live very comfortable financially. In XXXX, key Bank came back to me with an offer of XXXX. I rejected the offer as it was only paying off credit cards, not giving me enough to finish the touches around the house. My credit score at that time was XXXX. In XXXX, SOMEHOW.. A mistake was made to the credit agency XXXX. Key Bank reported that I had been late on a mortgage payment! This never happened. I called the mortgage company XXXX, told them of the situation they said, ( usalliance NEVER reported a late payment. That I have never been late ) I called XXXX they said, ( they did not receive a late report either. ) finally a Letter was Faxed to Key Bank stating that this was an Error with XXXX and was rectified..my credit score was at a XXXX standing on XX/XX/XXXX. Key Bank sends me a denial of loan based on.. 

Balances to high on all open accounts ( supposed to be paid off with loan. ON THE APPLICATION! ) Proportion of balances of loan amounts to high. 
Number of inquiries within XXXX months. ( only with Key Bank! ) Length of time since recent account open. 
How is this possible? You tell me how I was approved for XXXX in XXXX XXXX, if any of this is true. 
Then an ERROR WAS MADE ON MY CREDIT REPORT?! 
I am XXXX years young and BELIEVE that this is a clear judgement of AGE discrimination! I will wait for your response before consulting my attorneys. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: KEYCORP
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Here is my issue : My automobile loan was with First Niagara. I never had any issues. The service was great! First Niagara was then bought out by KeyBank. Since KeyBank has taken over my auto loan, I have had nothing but issues. 

Through my bank 's Bill Pay ( XXXX ) I have set up to make my monthly payments to KeyBank. For each of the last three or four months, KeyBank refuses to accept my payment. I then am forced to call KeyBank and when I try to explain my issue, I get hung up on. I have to call back one or two more times to get someone that will not hang up on me. I am then forced to make a payment over the phone, in which KeyBank charges convenience fees for. 

Each time I call, I then find out that there are late fees on my account. Mind you, each month I call and explain the issue, I am told that the fees will be waived. Last month when I called, KeyBank told me the issue was that I had the wrong address for their company. This is the same PO Box that KeyBank had given to me. So I changed the PO Box to what their service representative told me the address should be. I look yesterday at my bank account and see that the payment has been returned again this month. 

I am tired of the games with KeyBank. I am the XXXX and I pay my bills religiously. Please help me. I am also apparently not the only one that is having issues with KeyBank : XXXX I would love to discuss this with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: ProCollect, Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
While I was in law school I received a phone call from ProCollect, Inc., and a letter to my mother 's address claiming I had a balance on my account for a medical visit. When I asked for documentation so I could pay the bill, they refused and demanded payment of the amount stated verbally. I had no recollection of a past visit to which I owed a balance. I responded in writing to the letter and received no response. When I followed up online via their Chat assistance, they claimed it was for a visit in the XXXX XXXX area on a date I was in XXXX, Texas, and at a hospital I have never been to. Also, I have always had health insurance and anytime I went to the hospital it would have been filed on the insurance for my records and I would have had to made a co-pay the date of the visit. My insurance records show no evidence of a Doctor 's visit on the date stated either. Now, ProCollect, Inc., has reported the debt but claimed it was " PAID '' on my credit report. This makes no sense as I have never made any payment to the company, I have disputed the charge and requested proof of my balance to which none has ever been received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: RoundPoint Mortgage Servicing LLC
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had problems with Round Point since the beginning. They are very difficult to get ahold of and it takes 2-21/2 hours to get any answers if I even get them. I closed on my house on XXXX XXXX, 2015. Upon the Title Company requesting the payoff which they did not receive, I called to get it and it took hours on the phone with them to finally get it. They calculated my interest for the entire month when we closed on XXXX XXXX. I have the proof that I will attach that they received the payoff. Since the closing they are calling me several times demanding a house payment. I have explained to them that the house is sold but they still call and demand claiming they did not receive a payoff. They refuse to give me the interest back XX/XX/XXXX thru the end of the month and refuse to refund my escrow balance as well. In turn I can not cancel my home owners insurance since they are still showing a lien on the property. Can you please help with this situation? 
I will be attaching several documents to show that the house has closed and the mortgage is paid in full. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted a complaint for this earlier this week but accidentally said XXXX when it should have been against Equifax in XXXX. Meanwhile, today I received the attached letter from Equifax AGAIN refusing to remove the fraud alert from my account. Just to reiterate when I submitted earlier, I've apparently had a fraud alert on my report since AT LEAST 2011 because I was denied an apartment in VA because they couldn't get my Equifax report. TO DATE, this fraud alert is STILL on my report. According to their website, it's suppose to automatically expire in 7 years and it's been at least 8 years and it's still preventing me from getting credit BUT IS CAUSING MY CREDIT SCORE TO FALL WHEN A VENDOR ATTEMPTS TO GET THE REPORT. In XXXX, I sent the attached letter to Equifax registered mail along with a copy of my drivers license, passport and utility bill. Both the drivers license and utility bill have my current address which is also shown on my credit report. The attached printout is directly from the Equifax page and it states that I should send ONE document from each of the two sections. From section one, I sent TWO documents, both the DL and the PP. The DL clearly shows the current address. From section two, I sent a current utility bill. Instead of them removing the fraud alert, now they're claiming they need my social security number. As you can see on the letter that I sent to Equifax, I included my SS number and previous addresses for the past 5 years even though NONE of that was required. NO WHERE ON THEIR PAGE DOES IT SAY THEY NEED A COPY OF MY SS NUMBER/CARD. Again, I've been trying to years to get this alert removed from my report BUT EQUIFAX REFUSES TO REMOVE IT EVEN THOUGH I'VE MET ALL THE REQUIREMENTS THAT'S LISTED ON THEIR WEBSITE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: ProCollect, Inc.
State: OH
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 collections have been placed on my credit report relating to unpaid utilities that are not mine. All XXXX collections seem to relate to an address at which I have never lived. I contacted the utility company associated with Pro Collect 's collection, and they confirmed the delinquent account is under a different social security number and birth date as mine ( although same last name ). Pro Collect refuses to remove the collection despite me providing information to demonstrate it is not mine. I have contacted all XXXX credit reporting agencies and submitted documents and a letter proving that the debt is not mine, yet the collection continue to appear on my credit report and remains unresolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TCF NATIONAL BANK
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2017 I found a Hard inquiry from this company on Credit report. I have not or nor have I started business with the company stated which is Gateway One lending and Finance XXXX, CA XXXX. I have not requested any Car loans or vehicle lending service. I submit in full confidence that this is a major error that has and could still negatively affect me. I require a release from this company in writing to have this removed from my credit report. Despite having over XXXX consumer complaints on the bbb, I am sure I can seek and receive a satisfactory outcome in this matter. If you could, once confirmed please send a letter via through the cfpb portal so that I can have a copy on hand. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Stellar Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do recall owing this money to XXXX. I turned in all of the equipment when I changed service. I 'm just not sure I left a balance. If in fact you do find that I do still owe them I would like to make arrangements to settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: TCF NATIONAL BANK
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 'm am submitting a complaint against TCF Bank and their ridiculous overdraft fees that they themselves are controlling. I can not understand how when I write checks at a local supermarket that has daily deposits my bank can hold onto checks until my account draws low enough to that when the check clears I will overdraw. This has happened to me countless times. Last week I was charged an overdraft fee XXXX minutes after using my card, which I had done all day. I went to TCF and asked how this was possible and they told me I did n't have sufficient funds. Then how was I able to use my card all day if I did n't have money in my account? Conveniently, this has led to an additional XXXX overdraw charges at {$37.00} each. I am currently overdrawn by {$78.00} with another charge coming. All stemming from their incorrect charge a week ago. I am seeking for them to replace the {$220.00} in overdraft fees they have caused in the past weeks. I also would like an explanation how XXXX check can clear in 3 days, while another at the same location takes 8 days, and then XXXX other checks that were written 5 days apart can clear on the exact same day? I am fed up with this establishment stealing my money and crushing my life. I 'm trying to raise XXXX children and help my struggling fianc and as it stands now we wo n't be able to afford our rent payment thanks to this big bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this account

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 2015-12-29
Company: Alpha Recovery Corp
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This Company Alpha Recovery is trying to collect a debt from a credit card, i agree to pay and start making payments in 4 weeks because i am in financial problems, person on the phone call in every day 6 times to my cell phone and 3 times to my work phone, even after i ask to please do not call to my workplace. Person in the phone introduce himself as a XXXX XXXX, called today and start yelling me to get the money today one way or another

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: Alpha Recovery Corp
State: AZ
Product: Credit card
Issue: Other

Complaint:
I applied for an XXXX XXXX Card online for less than perfect credit. I was told that they required further verification documents. Since i didnt receive an email from them i decided to call today. XXXX website is said to be financed by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Today i called whom I thought was XXXX, to follow up and see which documents they required and was told that their other " department '' as stated by the representative will handle my call. When I asked the name of the company they stated XXXX XXXX XXXX XXXX. When I asked her if they were affiliated with XXXX she refused to answer the question. She then stated that my account is being serviced by Alpha Recovery Corp, XXXX. When I called that number they said they were a debt collection agency and were attempting to collect a debt. I informed them that I am working with Attorney XXXX XXXXXXXX XXXX Lawyers due to some incorrect and unlawful reporting for this specific account on my credit report. My attorney has made disputes through the credit agencies addressing the miss use of collection reporting by this company. So I feel that XXXX was a cover up company for XXXX XXXX ( Milestone ) who was trying to collect a debt through Alpha recovery and XXXX XXXX without providing validation of the debt as requested through my attorney and from my direct disputing through the credit agencies in the past.

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 2016-10-03
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Letters have been sent asking for them to prove this is my account and all my letters have gone unanswered. They have violated the FCRA for not providing the information in a reasonable time frame

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 2015-08-24
Company: ERC
State: MI
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:
On XXXX XXXX, 2015 I mailed a letter requesting Enhanced Recovery forward proof that this debt belongs to me. 

On today XXXX XXXX, 2015 Enhanced Recovery still has not responded to my request. 

According to my rights under the Fair Credit Reporting Act Enhanced recovery had 30 days to respond to my request, however they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23
Company: Big Picture Loans, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a call from a XXXX XXXX from XXXX @ XXXX Ext XXXX stating that I owed {$400.00} to XXXX, but they wanted XXXX however they would take less. I asked for a validation of debt he transferred me to someone else who got made because he wanted me to go online & I was at work & told him now was not good to give me a number & I would call at a better time. He got mad & said he was going to tell the debtor I did n't want to pay. Now today XXXX XXXX, 2015 XXXX XXXX had come called people from my XXXX page saying I had used them as a reference. They will now not return my calls as I stated they I was going to make a complaint about their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
When I got a new home phone number the call started.they are looking for the former owner of the phone number.I explained this to them a number of times, but it has not stopped.in fact they have increased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-09
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The school let me accrue alot of debt charged me for a class I tested out of, Plus I tried contacting them many times about accruing a debt I can not afford due to I am currently homeless. They hangup on me alot, and if they dont then they always say there is nothing they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Other financial service
Sub-product: Credit repair
Issue: Advertising and marketing

Complaint:
Lexington Law advertised that they could help repair my credit. On initial review with the clerk via the phone. I was instructed that I would see vast improvement in as little as 30 days. 3-4 months of service nothing productive was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
In the beginning of XXXX XXXX I initiated contact with Chase Bank, the holder of my other mortgages, to refinance my personal home in XXXX, Ca. A loan officer with the name of XXXX XXXX XXXX took my call and after a discussion he quoted me a reasonable rate for a 30 year mortgage. My ratios without a resent paid off mortgage are 24 % over 44 % with a credit score of over XXXX. 
After XXXX XXXX requested all of my financial information he sent me an email indicating that Chase could not do the loan because my ratios were too high. 
I tried to explain how I had computed my ratios and he told me to send him more information and he was going to get back to me. After a few days went by and no response I tried to contact him via e mail and phone, but still no response. I then tried to contact his Manager via phone but after a few days still no response. Afraid that my financial info I decided to check to see if I was indeed dealing with Chase. I searched XXXX XXXX 's XXXX # XXXX as stated in his e mails, that number belongs to someone else. I then contacted the corporate office and they told me I was indeed dealing with Chase and they gave me XXXX XXXX 's NMLS # which appears to be correct. I then asked to have XXXX XXXX to call me regarding my loan. Through their in house email XXXX XXXX stated that he was call me within 30 mins. Three hours went by and His Manager XXXX XXXX called me to tell me that because XXXX of my business had a loss in XXXX they could not use any of the business income for qualifying and my ratios, according to him, were over 58 %. I went back through all my financial data and removed my XXXX business income from the equation and after removing the paid off mortgage I notified XXXX XXXX via e mail of my computations and asked him to review such because my ratios are within industry standards. I have XXXX, rental and business income. My ratios without the business income are as explained above. I asked him to work with me to give me options. i.e., bring the balance down, buy the interest down etc. and to this date still no response from XXXX XXXX. XXXX XXXX, XXXX I receive an e mail from XXXX XXXX stating that my loan documents were going to be available in their system for 10 days. I tried opening the e mail but was given an error message. I tried to contact him via e mail and phone to tell me if the loan was still in process and to help me open the email.. No response. His email now shows another XXXX number XXXX. This number belongs to someone else. 
All I want to know is if they are going to be able to refinance my house and why this gentleman is sending correspondence using other peoples XXXX numbers.

Company response to consumer: Closed with explanation