BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-02
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received debt collection notices for medical bills that were not properly due. The insurance company was still reviewing the claims when I received the notice and the insurance company did pay the claims, resulting in a credit on my account with the hospital. Several weeks after the credit was applied to my account, I am still getting notices from the collection company, although the hospital agrees that there is no debt due and instead there is a credit on my account. I called the collection company and they were not very helpful and do not seem to be able to work with the hospital to clear the account.

Company response to consumer: Closed
Consumer complaint received 2016-10-04
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by Debt Recovery Solutions for a medical bill that was n't mine. I received multiple letters and I 've contacted them multiple times to get this to stop. They told me that I went to the doctor with NO insurance and got treated. That 's a. Lie in itself completely. I 've always had XXXX, XXXX, and XXXX. They would send me any verification that the medical office that they are claiming I went to was paid. I 've checked my insurance records and no where in that time fram was my insurance number ran matching the clinic. I called them informing them of that information.. I was told that they could n't do anything about it. I tried to dispute it at that time and they rejected it saying that it was verified by the clinic but not by my insurance company so it makes it legally to report it. Please help me get this off.

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 2017-01-15
Company: CITIBANK, N.A.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank is stalling and not paying a {$400.00} checking account bonus promotion. They state that they need my XXXX form. I have sent in two XXXX to the addresses they specify but they state they have never received them. This is in addition to unpublished holds on my money, delays on processing paperwork, and overseas support that is useless.

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 monetary relief
Consumer complaint received 2015-06-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XXXX/XXXX/2015 Citi Bank reduced the credit line on my credit card although I have never been late and have honored the terms of our agreement. This action by Citi Bank will reduce my credit score because it will reduce my available credit and increase my outstanding debt ratio. My credit should not suffer if I have kept my end of the agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: MarkOne Holdings, LLC
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We had a vehicle loan charged off in 2009. The loan company Iis inaccurately reporting this on our credit report. They arecontinuing to show this as a current loan and are inaccuratelyreporting the balance that was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was informed that the sale date of my home was XXXX XXXX, 2016. I received XXXX letters and a statement to call Chase Bank. I spoke with a representative named XXXX. She informed me that the sale was put on hold on XXXX XXXX, 2016. Also, she told me what forms I needed to send in to complete my loan modification. She told me to call the attorney office XXXX XXXX for assurance that the sale was put on hold. When I called a representative informed me that they did not receive that information and they had a sale date of XXXX XXXX, 2016. I called this morning to see if my faxed documents were received and they informed me that they have not received my fax which i sent on XXXX XXXX, 2016. In addition the representative XXXX informed me that my file is inactive and that they are required to let me know that when it 's 2-3 weeks out from sale date there 's nothing they can do to assist me. He stated that he does n't know where the representative XXXX got her information from. My customer assistance specialist XXXX XXXX has n't been available to talk with me on both occasions. I have been given false and or misleading information, as well as deception. I feel as if my rights have been violated and security of my personal information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: TRANSWORLD SYSTEMS INC
State: LA
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 constantly keep getting collection notifications in the mail in referencing a debt that was satisfied prior to the collection documentation began. I have contacted the original debtors whom confirmed the debt was satisfied ( attached receipt ). However, I still receive collection and demand of payment letters from the original debtor and collection agency ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Funding Management/Midland Funding is the collection company that has misrepresent the amount of a debt in violation of the Fair Debt Collection Practices Act ( FDCPA ). I reached out to Midland to settle the old debt. In XX/XX/2016 the company sent a letter that indicated that I owned an amount of {$4400.00}. I responded with several letters between XXXX and XX/XX/2016 requesting to settle the debt. The company never responded to any of the correspondences, never offered a " yes '' or " no '' to my settlement request, nor did the company validate the debt amount they were claiming. However, what Midland has done is to report different and increasing balance amounts to all three credit bureaus. 
According to my credit report records the amount they say I owed did not start increasing until I reached out to try to settle the debt. In XX/XX/2016 the company was reporting a balance on my credit bureau account of {$5700.00}. In XX/XX/2016 Midland reported to the credit bureaus an amount of {$9100.00}. Then in XXXX Midland jumped the amount to {$10000.00} to all three credit bureaus. 
I have been disputing the Midland Credit items on my report with all three the credit bureaus for about half a year now. Finally, expecting my credit reporting for Midland to read correctly, my XX/XX/2016 XXXX credit report reflected the balance of {$4400.00}. But in XXXX Midland turned around and decided to change the account balance to {$10000.00}. XXXX representatives recognize the inconsistency and problem with the balance changes on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Beneficial can not read or understand ENGLISH! I am making a complaint against them for a mistake they made in XXXX XXXX. That 's XXXX XXXX. DO YOU UNDERSTAND THAT THE YEAR IN QUESTION IS XXXX?? NOT NOT NOT XXXX. Beneficial DID own this mortgage loan in XXXX XXXX. They have stolen our money. Here is my complaint and possibly you can locate someone at Beneficial that can actually read and understand English. And make sure they understand that the theft by Beneficial happened in XXXX XXXX NOT XXXX. They did hold the mortgage in XXXX XXXX. BENEFICIAL IS THE RESPONSIBLE PARTY!!! 
Beneficial applied two monthly payments XX/XX/XXXX to XX/XX/XXXX. They have sent us their accounting records that show that they made this mistake but they refuse to rectify the mistake. On XXXX XXXX, XXXX they completed a reconciliation of our account and their lawyer informed the federal bankruptcy judge that our account was up to day. On XXXX XXXX, XXXX after completing another reconciliation they told the NYS Attorney General 's Office that our account was up to date. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX they were paid a total of {$10000.00} which was more than enough to cover 6 months of payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of {$1700.00}. On XXXX XXXX, XXXX they sold our mortgage to XXXX XXXX Loans. Not only did they not tell XXXX that we were paid through XX/XX/XXXX, they told them that we were a month behind. This caused us to incur late fees. They seem to think that XXXX can fix their mistake. XXXX CAN NOT FIX A MISTAKE THAT BENEFICIAL MADE! Beneficial needs to be held accountable for stealing a customer 's money. This is a heinous act and they need to be punished. After many requests they sent us their accounting records of our mortgage. THEIR OWN RECORDS SHOW THAT THEY MADE A MISTAKE IN APPLYING THE PAYMENT TO THE CORRECT MONTH. Apparently no one at Beneficial Customer Service can read and understand English. Nor can anyone decipher their own accounting records. PLEASE make every effort to find someone at Beneficial that can read and understand English and can also understand their own accounting records. I DO NOT WANT TO HEAR THAT THEY BEAR NO RESPONSIBILITY TO FIX THEIR MISTAKE BECAUSE THEY SOLD THE LOAN TO XXXX AFTER THEY STOLE OUR MONEY. 
This information is also being shared with the NYS Attorney General 's Office and the federal bankruptcy court judge of the southern division of NYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
THIS DEBT WAS DISCHARED THROUGH A COURT RULING AND I WANT IT TO BE REMOVED FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I have an American express gift card and seen that my balance after using it was lower than what it should have been. I went on the American express gift check your balance website and seen that there were XXXX identical transactions made on XX/XX/2016 each for the amount {$100.00} that I have not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Stellar Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Stellar Recovery Inc Keeps calling my cell phone too frequently at all times of the day for a debt that was a fraud account and was not my account. They need to cease with this activity

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Midland Funding LLC is dstill reporting my XXXX XXXX credit card as open. It was paid in full in XXXX of XXXX. They ignore my requests to report it properly. 

This is how it is showing on my credit report : Details Last Reported XXXX XXXX, XXXX Collection Agency MIDLAND FUNDING LLC Original Creditor XXXX XXXX BANK Status Open Opened Date Apr XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1200.00} High Balance {$1000.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: ENCORE CAPITAL GROUP INC.
State: NM
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 called after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine and was never paid. They never sent anything but still continue to report it messing up my credit costing me lots of money because this debt was from XX/XX/XXXX and they are reporting a XXXX day late as of XX/XX/XXXX which from my research on the internet is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX bank is reporting on my credit report I do not or did not have a XXXX credit card or credit card with any company associated with them. I researched it and they state they are reporting due to XXXX but that is not accurate. I request they delete the collections from Midland and ask that they delete any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to you to bring your attention to an alarming discrepancy I discovered on my recent credit report, which indicates that a credit account has been fraudulently opened under my name without my knowledge or consent. 
The account in question is as follows : -Creditor : XXXX XXXX -Account number : XXXX -Date opened : XX/XX/2023 -Reporting balance : {$370.00} I unequivocally state that I did not open this account, nor have I given anyone permission to open this account on my behalf. I believe that I am a victim of identity theft and as such, this account is fraudulent.

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 2016-11-10
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a demanding letter from Midland Credit Management ( MCM ) stating I owed {$760.00} to them. XXXX heading was Pre-Legal Notification. XXXX states, " If we do n't hear from you or receive payment by XX/XX/XXXX, we may proceed with forwarding this account to an attorney. '' I received the letter on XX/XX/XXXX 
I responded in writing disputing my responsibility for this debt and requested a validation notice from MCM. Note, their letter did not state that I had this option which I understand is required by the FDCPA. 
MCM submitted a response to my request with a statement from XXXX Bank. The name on the account is similar to mine but the address is Nevada. After a quick search, I found the person sharing my name who resides in Nevada with the matching address on the Credit One Bank statement. 
It appears that MCM targets individuals with similar or matching names and bullies them into paying a debt that they do not owe by threatening legal action. 
I have attached the letters I have received from MCM and my XXXX written responses disputing this debt. 
I have formally asked them to stop all communications with me regarding a debt that is not my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
American Express sent me a bill on XXXX XXXX 2016 for a balance or a minimum payment due on XXXX XXXX 2016, I paid my bill on XXXX XXXX 2016 for XXXX times the minimum payment due, however, i was charged a late fee and received a past due minimum payment for XXXX on the XXXX XXXX, 2016 statement. I phoned American Express and shared my XXXX XXXX payment which was made on XXXX XXXX, 2016 and owed the minimum payment of XXXX for XXXX, but the company applied my payment to the XXXX bill. I was advised that I made my payment too early, that bills had to be paid the the day after the statement date. I do not have this payment rule in any cardholder agreement for payment. I spent 4 hours on the phone being passed from agent to agent and had to pay an errorenous minimum payment and wait for XXXX adjustment. I do not have disclosure needed from American Express about how payments are applied that are received prior to due date or how late payment and interest is applied. The removed the late payment and supposedly noted the account that XXXX was not passed due. I asked to speak to a Manager or a Supervisor, and was put on hold by XXXX different agents for 10 or more minutes for the another person to come on but did not identify themselves as manager or supervisor and repeated the same info. The customer service department is not located in the US and when you call corporate headquarters in XXXX, you are transferred back to XXXX. The written customer complaint is a PO Box # with no name attached to whom to send the written complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-30
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am contesting CITI BANK FLEX ACCOUNT. It is not mine as such, I believe that it is fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I was automatically charged XXXX for a XXXX policy that I did not renew. The computer the policy was on no longer works. I would not renew a protection plan for a computer that does not work. I called the XXXX to get the charge off but they only gave me {$15.00}. They told me I had to cancel in 30 days but I never renewed the policy.

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 monetary relief
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-07-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
When I opened the Sears Credit account in XXXX 2014, I purchased a refrigerator and television, and their warranty plans, for a total of {$1600.00}, using the 24 month deferred interest promotion. I am wondering, since those were my first purchases on this account, why have n't my payments been going to those balances first? Why, in 18 months, has only {$200.00} been applied to their balances? The accrued interest set to be added is currently at {$870.00} and likely to be {$1000.00} by XXXX, when the promotion expires. 
I pay much more than the minimum due each month. At the very least, why is n't that extra money being applied to those balances? I looked throughout their website and could not find where to set it up that my payments be applied in this way. ( Another company with similar promotions has choices on their website. ) I could not find anything on their website or statement describing how payments are applied ( other than the info regarding standard payments and grace periods-which do not apply here ). There are now only 4 months left on that promotion, and I want to guarantee that all of my payments are applied to that promotional balance. 
**I tried sending an email to sears on their website. I had all the above information included. When I tried to send it, I got an error message stating " special characters were not allowed ''.

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 monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: VA
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:
There is a XXXX XXXX XXXX reporting in my credit file that was dismissed and not recorded to the record the bankruptcy is for XX/XX/2018 and Equifax keep stating that they have verified the information but they havent and for almost a year I have been disputing this issue that Equifax is failing to correct. I will be attaching XXXX XXXX from the courts. Also XXXX XXXX has made Equifax aware several times of this inaccuracy because they removed it from my file but Equifax is still reporting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a citi card i never mis a payment. Until. XXXX. ot 2015. They close. My acount for return check. They keep electronic depicting. My bank account. even after i called and told then i had a family emergency.plus they never gave me a credit. Increase. Can you please look into this.thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation