BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-07
Company: ENCORE CAPITAL GROUP INC.
State: TN
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:
This debt is not mine Midland funding states that I owe them {$4200.00}. I never set up an account with XXXX XXXX Bank. Please call them and have it removed from my XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: IQOR US INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Allied Interstate keeps calling me on my cell phone. And I told them they have the wrong number. I have no debt owed. And I do not know how they got my number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04
Company: M&T BANK CORPORATION
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The problem with M & T bank and my mortgage is simple : They wo n't take payments and have gone out of their way to increase the difficulty I have in making certain payments arrive on time. This problem started in XXXX 2014, when I admittedly was late with a payment. I did, however, schedule to have my XXXX payment take place at the same time as my XXXX payment. The M & T website indicated the payment was scheduled and no prompt from their website indicated there was a problem. When it came time to make my XXXX payment, I found out only then that I had been locked out of my account and forced to deal with another loan service : XXXX XXXX. Here, I was instructed to speak with a specific loan officer who was never in her office. Finally, after XXXX weeks, I was able to make contact. I made XXXX months worth of payments with her in XXXX day. She instructed me the loan was back to normal and should be operating in M & T 's hands. For the XXXX payment, this was n't the case as I remained locked out of M & T 's website. This time, when I attempted to make contact with the same loan officer, I came to find out she has been dismissed and I must deal with a new loan officer by the name of XXXX. I again make the payment with XXXX and he tells me the loan is back with M & T. For XXXX 's payment, I log in on XXXX XXXX to make my payment only to discover I am still locked out. I contact M & T, who only tell my I must deal with XXXX, in spite of being told otherwise by XXXX themselves. I attempted to secure more information, only to be told they would not help me at M & T. I have attempted to contact XXXX several times, leaving a message with him XXXX with no return calls. I have to make myself available to contact XXXX outside of work, school, and XXXX during their leisurely hours. As of this writing, my XXXX payment is outstanding and M & T refuses to accept any payment. This seems odd, during a potential foreclosure and asset management process that their technique would be to make the process more difficult for the person making the payments. It further seems odd as M & T Bank took XXXX XXXX in bailout funds with no intention on paying that money back. I do n't see where their lending practice could possibly fall within legal boundaries, it seems predatory in nature. They also recently increased the payments by over {$200.00} a month claiming it was for the escrow, which closed in XXXX. Not sure hot that works, but I feel it is worth looking into by somebody.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
I was a victim of identity theft and noticed a collection from MIDLAND FUNDING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. I WENT TO SEND THEM A LETTER BASED OFF THE INFORMATION THEY FURNISHED ON MY CREDI TREPORT AND THE LETTER WAS RETURNED. Police department told me to contact the federal trade commision which I wrote a formal complaint against MIDLAND FUNDING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: Key 2 Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sometime in XXXX XXXX I started receiving letters from XXXX XXXX XXXX from Key2Recovery regarding a debt to a school that I do not owe. At first, she acted professional, but later on she became very rude and uncooperative. I had taken out a private student loan through XXXX XXXX about 6 or 7 years ago, and am still paying on it. I moved from XXXX at the end of XXXX XXXX, and let XXXX know that I did n't have a mailing address yet but that I would give it to her once I set up a XXXX XXXX XXXX She called me several weeks later asking if I had received the document proving that I owed money to the school, and when I asked her where she had sent it, she said it went to XXXX. I reminded her that I left a voicemail as soon as I moved to XXXX and got my XXXX XXXX XXXX with my new mailing address, but she became very rude and said that she sent it and was n't going to send it again. She also called me " uncooperative '', when I have been trying to do everything I can to figure out what is going on. She has been calling me ever since then, even at strange hours of the evening ( XXXX my time, XXXX her time ). This is all very odd, especially since I have not changed my phone number since I attended the school, so I do n't see why they never called me in the past 6-7 years if I somehow did owe them money. I have even tried calling the said school several times, but have not heard back. I work at a bank, and have heard of a few debt collection agency scams recently going on, so I know better than to just send off money to them without questioning it. So far, I have not had any proof of anything that I have signed saying I owe this school money. I am still paying XXXX XXXX for the student loan, and everything that has occurred thus far has led me to believe this is fraudulent. It also seems that XXXX has violated the Fair Debt Collection Practice Act. It would make sense to me that if I did indeed owe money to the school, they would probably contact me, and XXXX would have happily updated my address when she was on the phone with me last time ( rather than being rude and saying that she already sent the document proving I owed the debt, and that she was n't going to send it again ). Be that as it may, everything about this seems very fishy, not to mention the fact that a strange number ( XXXX ) keeps calling me, without leaving any voicemails. When I looked it up online, it is a credit management company ... and apparently in XXXX, XXXX authorities arrested XXXX people for what they said was a XXXX scam by a debt collection company that victimized more than XXXX people, and a prosecutor said a wider crackdown was underway. Scary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a loan to cover XXXX damage from the small business department that was sold to m & t bank .since then it has been a problem.my loan is unsecured with no lien .m & t bank is trying to steal my property by not posting my payments timely, and charges that are illegal.i get two bills from for the same billing cycle.i do not like doing business with them or trust them.this is the second or third complaint to cfpb about this matter.my payment is XXXX dollars a month.

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 2017-04-28
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Citibank has been c hanging dates and moving around transactions to able to collect extra fees. This is serious. And unfortunately for them, I can prove it by proving the time of transactions ( ie   XXXX    transactions that went through because I had cash on my account before they changed the dates of transac tions ).      On  XXXX / XXXX /  XXXX   my account was positive.   On  XXXX / XXXX /  XXXX   a check from Bes t Buy Credit ( still citiba nk ) made me go negative by {$60.00}. There are no ATM branches in  XXXX , TX so I immediately made transfer from another bank account.   In the meantime citibank charged me {$34.00} to reject the check + {$34.00} for going negative. CHARGING ME TWICE A {$34.00} FEE FOR THE SAME REASON!     The transfer hit on the  XXXX , in the morning and my account was positive. Best But retried the {$100.00} check and everything was fine I had a surplus on the account.     On the  XXXX  an additional {$1200.00} was added to my checking account.     Although I was fine in the morning, a few hours later the best buy check had retroactively bounced and the dates on all the transactions had been set forward by a day.     The dates of transactions had been changed and reshuffled to justify additional fees!     Last month the same thing happened and I was reimbursed. But this is too fraudulent by a major bank. I want to sue.

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 2016-03-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, XXXX I sent money, via MoneyGram, to my mother in XXXX. Unfortunately, my mother was not able to pick up the money because when she presented herself to the MoneyGram cashier, she was told that the money has already been picked up. My mother explained to the cashier that she has not picked up the money, and asked the cashier to tell her which agency disbursed the money but in vain. 
On XXXX XXXX, XXXX I then contacted MoneyGram here in the U.S to file a complaint and asked for a refund ; an investigation was opened with the following case number : XXXX XXXX. The MoneyGram agent I spoke with said the investigation would last up to 90 days, then I 'll be notified of the result. 
But I was never contacted by MoneyGram regarding this case ; I have been the one constantly calling to ask for an update. Everyone I have talked to at MoneyGram has been giving me the run-around. On XXXX XXXX, XXXX, I called again, and the MoneyGram agent I spoke to told me that my case was close, and that the investigative team concluded that the money was picked up by my mother. When I asked MoneyGram to show me a proof that the money was picked up by my mother, the agent said he could n't disclose that information to me. I also asked to speak with someone from the investigative team, but they refused. 
I 'm completely disappointed with MoneyGram ; this unfortunate experience tells me that money transfers are not safe and reliable. I need help getting a full refund from MoneyGram. 
Thank you, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: COLLECTIONS USA, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being charged over XXXX dollars for something that is not mine and something that I do not intend to pay since it was not me. The company is Collections USA and I have never heard of this company or the company that they say I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Financial Control Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Lendmark Financial Services
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lendmark Financial is trying to collect on a debt 2 times which they have already sold or transferred to another company, and will not remove from my credit report after my several attempts of disputing. They have multiple accounts on my credit report for same company, different dollar amoounts which is severely affecting my credit rating. XXXX of their reps from the company told me they would removed the account from my credit report back on XXXX XXXX, 2016 because they longer had my account or file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is a fraudulent transaction and I informed Best Buy regarding these XXXX transactions. Best Buy tried to charge me a {$25.00} late fee which they waived when I explained the situation with their credit specialist. I had my Best Buy Credit card stolen along with my visa card and reported it to the merchants in question. XXXX XXXX XXXXSocial Security XXXXBEST BUY/XXXX # XXXXXXXX XXXX XXXX, SD XXXXPhone number not availableDate Opened : XXXX : Individual AccountDate Updated : XXXX Received : $ XXXX Status : Current ; Paid or Paying asAgreedReport Created On : XXXX Number : XXXX XXXX of XXXX Type : Revolving AccountLoan Type : CHARGEACCOUNTLast Payment Made : XX/XX/XXXX Terms : Paid MonthlyDate Closed : XXXX Paid : XX/XX/XXXX & gt ; Maximum Delinquency of 30 days in XXXX for {$51.00} & lt ; High Balance : High balance of {$1100.00} from XXXX to XXXX ; {$1800.00} from XXXX to XXXX Limit : Credit limit of {$3000.00} from XXXX to XXXX : ACCOUNT CLOSED BY CONSUMER ; CLOSED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for an amazon credit card through chase bank on  XXXX   XXXX  of  2017 . I was told I would be hearing back shortly. I then received a letter from synchrony bank saying they could approve me for a store card at amazon. I am only  XXXX  and did not realize the difference at first so I now have a store card to amazon through synchrony. However in order to get my card I had to call them and just go over my information with them. I did this on  XXXX   XXXX . I then checked m y credit score and  it was lowered because synchrony hit me with  XXXX  hard inquiries,  XXXX  on  XXXX   XXXX  and  XXXX  on  XXXX   XXXX . They should not have hit me  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 non-monetary relief
Consumer complaint received 2015-07-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
My grandmother received several emails from MoneyGram stating that her account had been created, a transfer had been requested, the transfer had failed, and more information was needed. My grandmother does not know the sender and she did not set up an account with MoneyGram using her email address. I emailed MoneyGram indicating that I was reporting possible fraud. I received an email back indicating that I must be searching for a locations and the email gave me directions on how to find them. I called into MoneyGram and indicated that I was reporting possible fraud. The XXXX rep was marginally helpful. The XXXX rep would not discuss the " account '' with me. I tried to explain that I 'm not trying to discuss an account, I 'm trying to make sure no one is using my grandmother 's information to send money. The only " resolution '' ( I use the term loosely ), the rep could offer was that my grandmother had to call in herself. I asked what, if anything my grandmother could do if she called in ( clarifying that I was asking about the standard procedure, not any details related to the account ). The rep said she could n't give me any information and that my grandmother needed to call back in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My son XXXX XXXX is trying to secure a place to rent in XXXX, XXXX. He found a place on XXXX XXXX in XXXX, and contacted the owner of the property, XXXX XXXX, via e-mail. An agreement was made over the phone, as XXXX XXXX represented himself as the owner, but was in XXXX on business. The XXXX of them made an agreement that XXXX would send the security deposit of {$600.00} and that once he moved in he would pay the XXXX months rent. The agreement was that the lease was to be sent to XXXX to sign and return to XXXX XXXX, by his secretary XXXX XXXX. XXXX XXXX was also the one who was going to pick up the deposit of {$600.00} in XXXX. sOnce the security deposit of {$600.00} was received, XXXX XXXX would have his secretary XXXX XXXX, send the keys to the place to XXXX via XXXX and she would forward that tracking number to XXXX. The security deposit was sent on XXXX/XXXX/15 via MoneyGram in the amt of {$600.00}. Today, XXXX, XXXX XXXX notified XXXX that he had " his plumber '' go to the house to check on everything so that it would be ready for XXXX to move into. Per XXXX XXXX, the plumber found pipes leaking in the wall and now XXXX XXXX is asking for another {$1200.00} to be sent to him to help cover the cost of the repairs. My son does have a copy of the lease, which states that the deposit would be {$600.00} and outlined that the rent was $ XXXX. with all utilities included. I possess the receipt for the security deposit of {$600.00}. In the original e-mail correspondence between XXXX and XXXX XXXX, XXXX XXXX indicated that he is a new landlord and that he had the keys to the property. Now today, he states that a " plumber '' has keys to get into the property. If this plumber truly had a key, why did XXXX XXXX not offer for XXXX to meet the plumber at the house to do a walk through, before we sent the {$600.00}. XXXX has corresponded back to XXXX XXXX today, the XXXX, and asked him why he did n't offer for the plumber to meet XXXX there, if someone local had a key. He has not received a reply as of this time at XXXX XXXX/XXXX/15. XXXX XXXX also stated that " He 's been busy today and has n't had a chance to XXXX the key yet ''. This sounds like a total scam, I 'm hoping not, but it 's starting to smell very fishy. I hope you can offer some advice of assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is on my credit report for a medical bill that I do not recognize. On XX/XX/XXXX I  sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX, XXXX & XXXX and the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received a call from someone saying they were from XXXX and that my computer had issues. The accessed my computer and my bank account to supposedly deposit {$200.00} into my checking account. They supposedly made an error and the deposit was for {$2000.00} and needed the extra money returned. What I did n't know was that the money was a transfer from XXXX account. Needless to say I am out {$1800.00} at this time. 
The amount was a Money Gram transfer. The phone number I was called from is XXXX. 
If possible I would like assistance in retrieving the money. 
I should have went with my first instinct that this was possibly a fraud but they had locked me out of my computer using a XXXX viewer and I could not unlock the computer until they called me. TheThank your for any assistance you can provide.

Company response to consumer: Closed with explanation