BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-26
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Other

Complaint:
Citibank has been robocalling me at least once a day for the past month or so from XXXX. Instructions tell me to check my accounts on line ( but they do n't indicatecate what I am " checking '' for ). ( I did review my accounts at the web address they provided and all my Citibank accounts are current. ) The other option is to call them at XXXX because they " always love talking to customers. '' I did a XXXX search and found that Citibank has been harassing thousands of their customers with these ongoing robocalls. 
What can I do so stop these robocalls?

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 2015-12-04
Company: Convergys
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number listed above is my work number, I receive XXXX calls a day from this company, 7 days a week ; they do not leave a message. They also call my cell phone, XXXX, XXXX times a day. The calls start about XXXX XXXX and end around XXXX XXXX. They never leave a message. I called the number from my cell once and got a person with a heavy accent that was difficult to understand. They wanted my information to verify who I was but would not tell me their name or their company name until I gave them my personal information and I would not do that. I XXXX and found that the number they are calling from belongs to XXXX XXXX XXXX and found that they have several locations. I am going through a difficult time and behind with many of my payments because of medical reasons but I am looking into alternative solutions to try and get myself back on track with my payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: JH Portfolio Debt Equities, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The debt was removed due to Identity theft with XXXX XXXX. XXXX XXXX sold the debt to JH Portfolio Debt Equi. My social security number was stolen when I was homeless and XXXX.

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 2015-11-12
Company: Shellpoint Partners, LLC
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The loan servicing of my mortgage was transferred to Shellpoint Mortgage Servicing. A letter from Shellpoint dated XXXX/XXXX/15 said that effective XXXX/XXXX/15 Shellpoint was responsible for ongoing administration of my loan including receipt and processing of my mortgage payment. I called on XXXX/XXXX/15 at XXXX CST and spoke and emailed a copy of the " boarding '' letter to XXXX XXXX XXXX XXXX XXXX XXXX I attempted to make a mortgage payment and was told they have no record of the new loan even though he agreed they sent the letter. He told me to keep calling back until the loan is loaded onto their system. They have no system in place to call me back or allow me to speak to anyone further at this point. 

I have another loan with Shellpoint that they have serviced for some time. They kept confusing that loan with the recent loan transferred to them. In short there is no accountability. XXXX XXXX had no way to speak to their loan servicing department or the department that was " boarding '' the loan that was just transferred to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had physical therapy at XXXX in XXXX and XXXX 2015. I entered into a payment arrangement with them although I paid my {$20.00} co-pay each time. My Blue Cross insurance has a {$750.00} deductible. XXXX XXXX contacted me several times with an amount of {$980.00} amount owed. I repeatedly told them I have a {$750.00} deductible and that can not be right. I asked them to check with Blue Cross. They refused every time. I contacted Blue Cross and was told that my deductible had been met and they should send the amount to them. I repeatedly told this to XXXX XXXX and Bonneville but they refused to listen or take action. They are demanding {$980.00}. 
My son ( XXXX years old ) also did physical therapy with them. They have been demanding {$660.00} from both me and him even though his {$750.00} deductible was more than met when he had surgery on his XXXX. The worst part is that my credit report shows a derogatory balance of both my son 's {$660.00} and my {$980.00}. First, I am not responsible for my son 's debt as he is over XXXX years old. It should not be on my credit report. Also, there should not be an amount owing for my son as his deductible was met and he paid his co-pay each time. I have contacted Blue Cross. They said I should not owe anything to XXXX XXXX Physical Therapy because I met my {$750.00} deductible also. Bonneville Collections has put XXXX things on my credit report that should not be there. It has hurt my ability to get credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX a statement was sent from Capital One that clearly stated I had several options to pay. I picked interest only. It was later determined they made a mistake ( but up to this time they have never admitted it ) They did not apply the amount I sent instead put me delinquent and have since, done nothing but harass me for their error. The loan is adjusted every year and I now pay an amount that will pay the loan off in the time required. I have proof positive that every payment has been paid and on time. By the way, I have never been late on my mortgage payment in my whole life of home ownership including with Capital One. They are now demanding funds that far exceed the amount I owe and have threatened foreclosure if I do n't pay by XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
XX/XX/2016, I noticed that Capital one had charged me a {$39.00} annual fee. I knew that I would never willingly sign up for a card that carried a fee like this. I called and complained and they eventual removed the XXXX fee. 
However, going back in the account I realized I had been charged this fee for the previous 9 years. I called Capital One and requested a copy of my original card member agreement. They promised to mail it to me. It never came. Then I called again. They again promised to mail it to me and stated they had mailed it to about a week prior to that call. Again I waited about about three weeks and nothing ever came so I called again and asked for a supervisor. The asserted that they had mailed it to me on XXXX XXXX. However, they also said they would mail it and fax it to me. It is now XXXX XXXX and I have never received anything. This process started XX/XX/2016. I feel that they do not want to provide it to me or can not provide it to me. As a result I can not show that I was overcharged {$350.00} during the past 9 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I called Capital One on XXXX XXXX, 2015 about a bank error resulting in my account being rebilled in error for {$1000.00} on XXXX XXXX, 2015. I was transferred to the dispute department and spoke to XXXX. He confirmed it was a bank error and told me he would resolve the issue one the same day by issuing me a credit. 
After waiting on hold and being disconnected once, XXXX transferred me to his supervisor XXXX ( Agent ID XXXX ). XXXX told me that she would not resolve my issue, but would forward it to a department that could. She stated that it would take 30 days for me to receive a credit for the error. XXXX stated she was unable to issue a credit for the mistake or to send me a message or email confirming that the issue would be resolved. 
I also wrote a secure message to Capital One on XXXX XXXX, 2015 requesting resolution to the error, and received a generic reply on XXXX XXXX, 2015 referring me to a telephone number for the disputes department. 
I called Capital One again on XXXX XXXX, 2015. I was transferred to the dispute department and spoke to XXXX. She told me again that it would take 30 days to get a credit, and stated she could not provide a message or email confirming that the issue would be resolved. 
I closed my credit card account with Capital One at this point and paid off the remaining balance minus the {$1000.00} rebilled by Capital One to my account in error. 
I am very disappointed that this error occurred, and dismayed at Capital Ones refusal to immediately correct the error. I am sure that if the error were made in my favor, they would take quick action to remedy the situation. 
Here is a list of the transactions related to the original charge and culminating in the charge made in error. 
XXXX/XXXX/2015, XXXX XXXX XXXX, {$1000.00} billedXXXX, Contested Charge, {$1000.00} creditedXXXX, Charge Refunded by Merchant, {$1000.00} XXXX, Credit Rebilled, {$1000.00} billedXXXX, Credit Rebilled Again, {$1000.00} billed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/16, I purchased a voucher from XXXX for {$35.00} using my Capital One Venture card ending in XXXX to clean my air ducts. I redeemed my voucher before the expiration period ( redeemed around XXXX/XXXX/16, expired on or around XXXX/XXXX/16 ). The merchant, XXXX XXXX XXXX XXXX, was not able to get a rep out until XXXX/XXXX/16, after the expiration of the voucher. The rep advised that they could not clean my air ducts because my AC unit was in the ceiling. 

I called XXXX XXXX XXXX XXXX, who said that they can not redeem the {$35.00}, and to contact XXXX. So I called XXXX, who has said that the voucher has expired and the money was sent to XXXX XXXX XXXX XXXX, and to call them. I submitted a XXXX complaint with Living Social, and still got nowhere, and was told to contact XXXX XXXX XXXX XXXX. This is where it gets comical ... so today,XX/XX/2016, I three-way called both XXXX and XXXX - they literally were yelling at each other over who was going to refund me the {$35.00}. They both acknowledged that the service was left unrendered, and that I was owed money. At the end of the call, XXXX XXXX XXXX XXXX advised that they would " unredeem '' the voucher and XXXX said once that is done, they will refund my {$35.00}. So ... wait for it ... I waited 2 hours, called XXXX back, and they refused to refund me the {$35.00} because it expired XXXX/XXXX/16. 

I literally can not make this story up - this is a true story and a valid dispute. I was conned out of {$35.00} and these XXXX companies will not work together to refund me the money. 

I am sorry that I am submitting a complaint to Capital One and disputing this charge, but this is the last resort I have before contacting my attorney. I understand that this is increasing your complaint volume, but I would really appreciate it if you can do the right thing here and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I pursued the purchase of a motorcycle and applied for credit. Inquiries were made to XXXX XXXX of XXXX GA. When I considered the interest rate of the loan, it was too much.The loan was to be issued through Capital One. I notified the motorcycle dealer that I did not want the loan. They had already initiated the money transfer without my signature. Later when I found out they they had done this, I notified them that I would not be purchasing the motorcycle from them. Capital One transferred the funds to the motorcycle dealership without any signature from me. The motorcycle company cancelled the sale and kept the money ( {$7000.00} ). I have requested the money be transferred back to the financial institution. It has still not been refunded. I filed a dispute with Capital One in the fact that I never authorized the loan with my signature. The complaint was filed as a fraud complaint. I believe it was fraud because the motorcycle dealer never notified me that they would be transferring the money. Also, when I notified the motorcycle shop that the loan was too high and that I would be shopping for another loan, the dealer had the chance to tell me the funds had been transferred and held that information. All of these details were provided to Capital One and they decided no fraud was involved. I am not surprised that they would decide that because, I believe what the motorcycle shop did was akin to theft and I am sure Capital One does not want to acknowledge any association with criminal activities. A couple of key facts : I never stepped foot into the motorcycle store, all correspondence was through email. I never signed any document. I filed a fraud claim with Capitol One, the money source, and they disapproved the claim. I do not have the motorcycle and Capitol One has sent me a letter saying I owe them {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A fraudulent credit card account was opened in my name at Kohl 's in XXXX, XXXX. On XXXX/XXXX/XXXX Kohl 's acknowledged the fraudulent nature of the account and relieved me of responsibility. Now, Kohl 's refuses to act on my request to send me copies of the fraudulent documentation used in opening that account ; instead, Kohl 's states that such information will be provided only to a law enforcement agency, at the request of said agency. As I read Title 15 U.S. Code Chapter 41 Subchapter III Section 1681g, the victim himself is entitled to copies of the fraudulent documentation but must make the request for it in writing and must meet other reasonable requirements that can be imposed by the business which granted the credit. It is my understanding that providing the information to a law enforcement agency is contemplated in XXXX scenarios : ( 1 ) where the victim 's written request specifies which agency is to receive the documentation ; or, ( 2 ) where there happens to be a law enforcement agency investigating the ID theft and that agency is authorized by the victim to take the relevant records. I do not see how these provisions can be interpreted by the credit-granting business to deny the victim 's request to be given the fraudulent documentation directly. In my case, I have sent Kohl 's written requests to have the information sent to me. Accordingly, scenario ( 1 ) above does not apply. Also, as there is no law enforcement agency investigating my ID theft, notwithstanding reports filed at XXXX separate police departments, scenario ( 2 ) above does not apply. In summary, I believe that Kohl 's misunderstands the right of the victim of ID theft to receive directly, and not via a law enforcement agency, copies of the fraudulent documentation and is unreasonably attempting to require me to trouble one or another law enforcement agency to obtain copies of the fraudulent documentation on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland FundOriginal balance [? ] $ XXXXCurrent balance [? ] $ XXXXDate assigned [? ] XX/XX/2011Original lender [? ] XXXX Bank Nevada XXXX XXXXAccount number [? ] XXXXAccount holder [? ] Co-makerAccount descriptions [? ] Placed for collectionhas been putting this account on my credit report for over the past 10 years now i would disputer it and two years later if would be back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Midland claims they sent a letter of validation on XXXX XXXX 2013, i would like for them to send me a copy of said letter. 

Also i need to ask how much they purchased this said debt for from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
XXXX HAS A AMOUNT ON MY CREDIT REPORT THAT DATES BACK TO 2008 -- BY LAW SHOULD OF BEEN REMOVED AFTER 7YRS. WHY IS IT STILL ON MY C/R?? -- XXXX SOLD MY ACCT. TO MID-LAND CREDIT -- -MID-LAND CREDIT DELETED MY ACCT. WHY IS THIS ON MY CREDIT REPORT?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
On XX/XX/XXXX I responded to a pre-selected application for an American Express credit card. I received a letter from American Express dated XX/XX/XXXX that informed me that my application could not approved as American Express had cancelled previous accounts. The letter further indicated that I was welcome to submit another application at a later date. The cancelled account to which American Express referenced was in XX/XX/XXXX and since that time I have paid all of my credit obligations on time and have a FICO credit score of XXXX. 
I responded with a letter dated XX/XX/XXXX in which I requested a copy of the company credit card policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. 
American Express replied with a form letter dated XX/XX/XXXX that failed to address my request for the company credit review policy. The letter simply re-stated the reason my application was declined. 
I responded with a letter dated XX/XX/XXXX specifically requesting a copy of the American Express credit review policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. I wanted to ascertain that the credit decision on my application was made in conformance with an established credit review policy and not an arbitrary, capricious decision based on age or race discrimination. 
The last letter from American Express dated XX/XX/XXXX again failed to address my request for a copy of the company credit review policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. I will accept the American Express decision to decline my application if the credit review policy indicates the period of time after an account has been cancelled is eleven years or more, since my account was cancelled ten years and ten months ago. The credit review process should be the same for all applicants regardless of age, race or religion and without providing a copy of the credit review policy it is impossible to ascertain that the policy is being uniformly and equitably applied. American Express in every letter indicated that a new application could be submitted at a later date but without indicating the period of time a new application could be submitted to receive favorable consideration the company may be using this as a method of surreptitious discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
a XXXX account was turned over to midland funding llc i called midland funding numerous times requesting a settlement amount they never returned my calls instead they turned it over to collections attroneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX file # XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have tried to settle by offering an amount I understand it 's fair.. these people do n't care and they do n't want to settle for other amount other than what they said..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 am applying for a home loan and was asked to pay off a debt from Midland Credit Management. I reached a settlement with them and paid {$620.00} and they agreed to report it on my credit file as paid in full less the full balance. On my credit report, MCM erroneously reported on my report in the comments section that I missed a payment of XXXX. Because of this false statement, I can not get a home loan because it shows I was late on a payment.

Company response to consumer: Closed with explanation