BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-12
Company: Monterey Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was extremely surprised and upset when I checked my credit report in XXXX 2016. There is a mark by Monterey Financial Services XXXX XXXX XXXX, XXXX, California XXXX. It is in regards to a disputed contract with XXXX XXXX over a misrepresented vacation package. I disputed the mark with XXXX and the collection mark remains and does note that it has been disputed. The problem is Monterey NEVER notified me in writing that I was going into collections. I NEVER had a chance to dispute the collection attempt until AFTER it was already on my report. I did notify Monterey in XXXX and they ignored my grievance, I still have not received a collection notice from Monterey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
AFFIDAVIT OF TRUT H 1 > b ank of america has NEVER responded with a timely valid response   2 > bank of america continues to commit felony crimes 3 > bank of america makes contradictions on their response 4 > bank of america makes threats on their recent response 5 > bank of america fails to show a valid lifetime contract with me 6 > bank of america fails to show VALIDITY of ALLEGED debt after over 10 complaints!!!!!
7 > bank of america is using fictitious names numerous times with is a FELONY and a 1,000,000 fine and up to 15 years imprisonment 8 > bank of america sends me a statement, a statement is not a TRUE BILL!!!! buy a dictionary!!!
9 > to this d  ay  XXXX   XXXX    XXXX  , bank of america can not VALIDATE an alleged debt and commits further crimes and CAN NOT AND WILL NOT RESPOND!!!    10 >  bank of america makes presumptions, and sends me their rules and regulations, I didnt sign it,, and the account has been closed for over 7 years now, and they still try to use methods of threats and extortion to obtain money of an alleged debt!!! clearly criminal activity, show me tangible evidence of a  LIFETIME CONTRACT!!! they cant do that either, they can not respond wit h any validity ON ANYTHING, so as the law states ; silence is acqueecence silence is fraud silence is GUILT!!!     Now I must demand their bonding company and or insurance liability   carrier to file a lawful CLAIM FOR DAMAGES!!!
NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and i  s punishable by up to 15 years imprisonment and {>= $1,000,000} fine.

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 2022-08-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that 3 credit reporting agenciesstill indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have notresponded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must completetheir investigation within 30 days. Please check payment history, date open, last activity and Status ofthe following accounts which i believe were reporting in error. 
XXXX XXXX Balance : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: RoundPoint Mortgage Servicing LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Roundpoint had me sign an approval to participate form in order for them to approve the short sale of my home. After many months of offers being put in on my home and losing the offers ( because Roundpoint simply took to long to approve the short sale thus giving them more money in fees that I owed ... some of my offers were almost over what I owed on the home to begin with and I even had a cash offer fall through ) they finally had me sign an approval to participate saying they would accept an offer that was made on my house. In the approval form it states that if I successfully close on the sale of my home following their procedures ( which I did ) that they would compensate me {$750.00} at closing. And that my compensation would increase to {$1000.00} if I closed before XXXX XXXX ( which I also did ). It says I may elect to receive cash or apply some of all of the compensation to sales costs not paid by HUD. Now, when the closing happened they never asked me how I wanted to receive this compensation ( I would have elected to receive cash ). It was never put on the HUD ( nor could it have been, because in a short sale there may not be a payout ). Now, over a month later after my closing I still have not seen the compensation they promised me for doing these things. According to a party at Roundpoint ( all conversations at their company are recorded ) they may not pay out because of some type of Respa ( not sure if that is correct ) procedures. HOWEVER, I asked her several times if respa procedures include anything about a compensation. She said " no ''. I said " then Respa has nothing to do with this compensation because it is not a normal procedure, correct? '' and she said " correct maam '' then went on again talking about Respa. The paperwork clearly states they would pay me the compensation if I did everything they asked. I did everything they asked and then some. I suffered fines and fees for over a year because of this company dragging their feet and me losing potential buyers on my home. Roundpoint owes me {$1000.00} according to this agreement. And I am willing to take the matters to court if they do n't compensate me what THEY owe me. My realtor did not give me this paper, the title company did not give me this paper, ROUNDPOINT did. Therefore, they owe me the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account was from my identity being stolen and is fraudulent, it is being reported even though it is a fraudulent account I have filed a police report and identity theft affidavit regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
On XXXX 2015 I received a notice from Experian stating my personal information was stolen while in their possession, they are offering me XXXX for two years to help with this problem, ( but i must be willing to allow them to SHARE my personal information with others for AD purposes to acquire this service ) that 's not acceptable. what can I do to receive the service and not have to give up my personal information out to be stolen from other sites!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
14 years ago I got calls for XXXX from collection people. I told them all to stop calling I AM NOT XXXX. NEVER knew XXXX. STOP. CALLING. 
They stopped but to this day my credit report has AKA XXXX. XXXX times I have sent letters to all XXXX credit co. I Have NEVER gotten a response. 
I tried to start my social security retirement on line but when asked questions to verify my identity I got the questions wrong. I was asked questions about recent transactions and I have none. I have no major purchases. I bought a new FORD FUSION for cash three years ago. When I tried to renew my passport I got those questions wrong too. I have to drive XXXX miles to a government office to prove who I am. This STINKS. 
I want the AKA of XXXX removed from my GOOD name and credit. 
I would like to know who has the authority to place an AKA on my report. 
I would like to sue for slander who ever did this to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a line of credit with specialized loan servicing for many years and have never had any issues and have always paid on time. I was offered a modification with them several years ago after the XXXX shock and agreed to it. The mod is fixed 4 % interest only for the remainder of life of the line of credit. Two months ago I noticed that the payment increased and discovered their system of record reflects 4.25 % instead of the 4 %. Several calls in the last six weeks while waiting on a research ticket to be resolved to remedy this situation has gone ignored. Their executive office halted the continued montly ACH from my savings account and now I am having to call in payments due to non-corrective action on their part. According to the executive office, they do not know why their computer is not correcting the rate back to 4 %. We are making ( estimated ) payments now based on previous years payments based on the respective month. The fact that a mortgage servicing company can not explain, nor correct something as critical as the interest rate is egregious. Please help 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 explanation
Consumer complaint received 2016-07-25
Company: RoundPoint Mortgage Servicing LLC
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased our home XX/XX/XXXX. XXXX XXXX Roundpoint Mortgage purchased our loan. Soon after we received a letter stating we did not have enough flood insurance and if we did not respond within 45 days they would force place extra coverage. Well our payments went up XXXX more a month. We received the exact same letter same wording and just a date change XXXX XXXX. My husband called our mortgage company numerous times, talked to several people who all have different answers. The fourth day of calling and being placed on hold for 50 minutes at times he finally spoke with a manager/supervisor. He explained what we had received and the manager told him that the issue had been resolved to just throw the letter away/put it to the side. She stated that we were paying the extra XXXX a month for extra flood insurance. She also stated that something was definitely wrong with our file and that she was going to send it to another managers office. We thought the problem was resolved. Still XX/XX/XXXX to be exact, we are flooded. We live in WV where XXXX of the XXXX counties were declared a disaster area. We called our insurance and made a claim. We then called our mortgage to let them know what had happened. While talking with the mortgage company we were told that we only had XXXX in flood insurance. Now mind you we just talked to the on XX/XX/XXXX and was told we had been paying extra for more insurance. My husband asked to speak to a supervisor and was placed on hold for hours at a time. The phone would be answered as if we were calling in for the first time again. We have never spoke to a supervisor to date. Two weeks after the flood we received an advancement check so we could get started rebuilding but our mortgage company told us to endorse it and send it to them to be placed in a file, that they have never heard of an advancement check. The issue with all of this is we have had to spend XXXX out of pocket to make our home livable but not repaired. The total damage to our home alone was XXXX. We only got XXXX to fix our home. As you can see that is not going to cover the damages. So, due to Roundpoint mortgage dropping the ball where our flood insurance is concerned we will not receive enough money to repair our home. We were told the XXXX extra was for extra flood insurance. If it was n't going towards flood insurance they have had our loan for almost two years, why was this issue not fixed?

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 2016-02-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this been going on for some time, MO AG office resolve this, as the debt not mine back 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: ERC
State: CA
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:
The company XXXX XXXX XXXX is trying to charge me through ERC collection for something that never existed. I already called ERC and explained the situation and they told me I had to talk to XXXX XXXX XXXX. There has been multiple times collection companies have tried to make this charge. It is about the XXXX time I make a complain about a collection company. I just put a complain against XXXX XXXX XXXX at FCC. I want this collection to be stopped at ERC. I dont want it to damage my credit.

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 2022-10-01
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This was an old account that was removed from my credit due the medical act appointmented by the President / Government. 
The Medical ACT. 


Phoenix Financial SE Original creditor : XXXX XXXX XXXX  Opened : XX/XX/2022. 

Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had cellphone service with XXXX. They sent me something to help me receive a signal in my apartment because the service was so awful. After I cancelled service with them, I returned the item to a XXXX store as instructed, but they still charged me for it. The item has been disputed and removed from my credit report a couple of times, but they keep re-adding it. I do not want to have to continue to dispute the same item every three months for them to remove it. I need to know what I can do to resolve this indefinitely.

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 2016-01-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
SSN AND PERSONAL INFORMATION EXPOSED BY EXPERIAN XXXX CREDIT PULLS EXORTED DATA. MY INFORMATION IS JUST NOT WORKING ANYMORE, DETRIMENTAL FOR MY BUSINESS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I noticed today that a {$500.00} preauthorized debit was posted to my Citizen 's bank account under " XXXX XXXX ''. I called the bank, and they could n't tell me who got the money but they did say that they used the router numbers to obtain the cash, and that they will conduct a full investigation and that I should call back tomorrow. I know that I absolutely did not authorize any {$500.00} transactions, and I am a little suspicious that the bank would authorize such an amount without knowing who the money was going to. I have checked six months of bill paying online, and every transaction id 's themselves. ; ie ; XXXX, XXXX XXXX, ect..They say I will have to wait until tomorrow to file an unauthorized charge report and of course I will do so, but there is still the {$500.00} missing from my account. Does this seem right?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Affiliated Acceptance Corporation
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm receiving a bill from a collection company Affiliated Acceptance Corporation stating an accelerated balance of {$1200.00} from {$410.00}. They are saying I need to pay nearly {$800.00} more than they originally stated I owed or this to be reported to a credit reporting agency monthly, I entered into a first 12 month contract for my granddaughter 's karate lesson. Afterwards it was to be monthly. My granddaughter was enrolled for two years when I enrolled her brother. After attending for a few months his father disappeared with grandson for six months. I informed the karate dojos of this and ask to have payments stop for him. Of course the payment continued and I never thought of this being a yearly commitment. I personally spoke with the person in charge and I understood to have payments stop. He assured me he would take care of this.Then later in the year my granddaughter decided she wanted to stop karate. Again, I thought since she was no longer attending the payment would stop. No, they did not, I file a complaint with my AG office. To find out the dojo is falsely stating that my granddaughter only recently started the lessons, and recent as a few months prior to her brother ... .that is not true. I can not see paying for something I am not using. I faithfully paid for my grandchildren attendance ... .never late. This is the tanks I get for being a good customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: ERC
State: CA
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 receive robocalls and other types of calls from someone claiming to be " ERC ''. I have not engaged with these people by responding to any questions or by calling them back. 
I do not have any outstanding debts whatsoever. I owe no one money. I am not in arrears on any debt. 
My name and home phone number are publicly available, but the number is on the " do not call '' registry. 
As I owe no money, and my number is on the registry, I believe that ERC is engaging in fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-04
Company: Monterey Financial Services LLC
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Hi, I am very frustrated with XXXX program. Where this has been going on for almost 7 years now and I am wanting to report this company incase others are also had issues with them and their Collection company. The company they have turn me over to is MONTEREY COLLECTION SVCS act # XXXX. I have had several harassing calls from this company, day, night even weekends.. I was unemployed back in XXXX and made the biggest mistake ever in ordering a program for " working at home '' this cost me {$59.00}, then the calls started from XXXX, saying they could guarantee me up to {$200.00} a week through their other program. It was a mentoring program where a live coach helps you every step of the way through the training process!! Well needless to say, I only received XXXX calls after that and really no coaching at all.. While I was into my 2nd week I realized this was just a scam and they were training me to sell products on XXXX and XXXX. Online sales.. I already knew how to sell on XXXX and XXXX, in fact I had been listing products on these sites for months. For several weeks I had tried to contact the company and let them know I was not interested in their program.. I was also receiving multiple calls from other companies trying to get me to purchase their program also.. They had sold my personal info to other Online companies, I guess because I had already fell for their scam!!! I finally just emailed them requesting my service to be canceled.. I received no response and figured I was done with them.. Then a few months later It started, I started receiving collection threats. I can attached my replies between me and XXXX. I have looked through my records and ca n't find my email I sent the first 2 weeks into the program, where I request a refund and to cancel my service!! If you can help me at all with this at all, Please let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: Monterey Financial Services LLC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The call my phone 100 times a day. My boyfriend and I went through a financial hardship at the beginning of the year and we are trying to take the proper steps to resolve this debt. They continuously call and say we need a payment today card or routing number. I tell everyone that we 'll pay on line there is no need to call. They talk over me and continue to ask for payment. I tell them when we have the money it will be paid. The say they 're sending it to collections I tell them okay send it. I rather talk to them not you guys.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation