BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-17
Company: PMAB,LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I received a telephone call from PMAB , LLC of XXXX NC on XXXX/XXXX/15 notifying me of alleged medical debt. After verifying my address and phone number, I informed the representative that I would like proof of the debt and that I had no intention of paying the alleged debt until I was shown proof. He told me he would send proof. I subsequently received a " XXXX % Offer Letter '' dated XXXX/XXXX/15 ( which is not proof ), and missed phone calls from PMAB 's number XXXX on XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ), and XXXX/XXXX/15 ( XXXX ). At no time did the company leave a message or identify themselves via voicemail. On XXXX/XXXX/15 after receiving the final missed call from PMAB, I contacted PMAB to obtain their fax number for correspondence. I was given XXXX which I confirmed with the XXXX. I drafted a cease and desist letter and faxed it to PMAB on XXXX/XXXX/15 XXXX. Fax confirmed the transmission was successful. Subsequent to the faxing of my cease and desist letter, I received yet another phone call from PMAB XXXX days later on XXXX/XXXX/15 ( XXXX ). This time, a message was left. I promptly returned the call and spoke with a female representative who informed me she was calling regarding " medical debt. '' I informed her that PMAB was in violation of the Debt Collection Practices Act because I had previously faxed a cease and desist letter and yet received another call. She stuttered for a moment and stated " well that letter is n't in your file ... it must have gotten lost on the fax. '' I told her that I would be filing a compliant with the FTC to which she responded with " yeah, well, that 's fine ... whatever '' and then promptly disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Kriya Capital, LLC
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:
I signed up for XXXX XXXX XXXX home security when I upgraded my phone. The XXXX representatives said the system would no more intrusive than my current home security system. However, it was. The installation technician wanted to mount a shoe-box-size box on my living room wall. I told him that was unacceptable and did not want the service. The XXXX tech would not take the equipment back with him, saying I was required to mail the equipment back in the provided box. I told him I was not comfortable with that but he refused to take the equipment. He called his supervisor who told me all I had to do was return the package to the United States Post Office. So I did that. I took the box with the equipment re-packed to a United States Post Office. They accepted the pre-paid package, printed a receipt for me and I thought that was it. Instead, I received a bill for more than {$1700.00} from XXXX a month later. They claim they did not receive the equipment. I told them I had the receipt, including the tracking number. They looked it up and noted that the USPS did indeed receive the package and returned it. However, they could n't find it in their system. So they kept sending me a bill. I kept calling back and explaining the situation to a different representative every time. Every time, they found the tracking number and saw that the USPS has delivered it. They said they would make a note on my account. A month later, I would get another bill. Two days ago they turned it over to a collection agency. Now I am trying to resolve this with the collection agency. There 's no end in sight.

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 2017-02-23
Company: Kriya Capital, LLC
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 was paid

Complaint:
This is a very old debt that the original company has collected on and they are harassing me to pay a debt that has been paid

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 2015-11-16
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Have received XXXX unsolicited notices requesting that I contact them about streamlining my FHA mortgage. First notice was ok. XXXX indicated that did not understand why I would not have contacted them.And third which I will attach, goes as " I wrote you twice before to tell you how historically low rates and recent FHA XXXX program changes give homeowners like you the ability to significantly lower your monthly payment. 
Please act now - at no cost or obligation. I 'd be delighted to show you how much you could save. Please call me at XXXX. Sincerely, XXXX XXXX P.S. Our FHA XXXX process requires no appraisal and normally takes less than XXXX week to complete. " Did not save the second notice but that XXXX indicated that they did not understand why I would not have taken any action after they contacted me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I work for XXXX hospital and was XXXX at work so they sent me to XXXX for XXXX. I have XXXX medical insurance and this was supposed to go through workers Comp. I have submitted the paper work several times to Dept collector and human resources. They refuse to correct this issue and have ruined my credit score. They harass me by phone and mail daily and have threatened me with a judgement. I do not owe {$1500.00} for this medical treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: JH Portfolio Debt Equities, LLC
State: NC
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:
Retaliatory conduct must be celebrated amongst credit collection agencies and credit bureaus, because here we go again ... A said XXXX agency has been contacting me but could never articulate the purpose for their call. The agents actually stated each time they called that they could n't find any information for me under my name or telephone, and that only a direct call system was processing the call. What is wrong with commerce today? So as it were, I filed a complaint against this company for harassing calls and markedly having no information to even justify their calls. They responded to the CFPB complaint and stated again ( exactly what I 've stated ) that they had no information to verify or connect me with any particular account and now claimed to have several accounts associated with a business name, XXXX XXXX XXXX. They still did not upload any documents to give record of any purported debt for me or the corporation. I disputed their response and spoke directly to the absurdity of the same. I just received a notification on today that a collection account for {$320.00} from XXXX has been reported by XXXX XXXX to evidently all XXXX bureaus. I guess this is the next logical step for a tortfeasor who has absolutely no regard for the FCRA or any law or ethics. Is this the trick? A person establishes near excellent credit and then purported collectors come out of the wood work to harass customers who have relieved themselves of " would-be bad credit '' status ... it 's like kindergarten for commerce ... I tell you directly as well in the regard of any said XXXX debt ... they should probably revisit this reporting of delinquency because I 've been with XXXX Insurance for quite some time, and quite frankly XXXX refused to extend me full coverage for my vehicle, which is required because I have financing ... so this is really not the road best for them to pursue.

Company response to consumer: Closed
Consumer complaint received 2015-11-12
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Shellpoint account listed on my credit report shows as past due for four payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even Shellpoint 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: The CMI Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I subscribed to XXXX in XXXX 2014, but cancelled within my first 30 days of service. I also shipped back the equipment to XXXX within the 30 days as well, and now they are saying that I owe a fee of {$98.00} in which I refuse to pay, because I do not owe that.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24
Company: AFNI 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:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged a {$36.00} NSF charge for an item to posted and my account did not have an negative posted balance. I was told it was because I had items pending that is still pending as of today XXXX/XXXX/15 and the transaction posted to my account on XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Regions Mortgage is reported wage earner on credit report. The loan is being paid outside of the chapter 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 2017-03-13
Company: NATIONWIDE ACCEPTANCE LLC
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are repeatedly calling me after a promise to pay has been communicated. They told me since I did n't authorize them to debt my account on the day agreed they would keep calling everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
HSBC US is, in my opinion, behaving in a discriminatory fashion in refusing to open a checking account for me, a licensed U.S. Attorney. I am an XXXX with extensive business experience in XXXX. In XXXX I visited the HSBC Branch on XXXX XXXX ( XXXX ) and XXXX XXXX with company documents, the necessary identification, and EIN documentation. Thereafter, I was invited for an interview. I spoke about my business accomplishments in XXXX and what I was trying to do -- set up a transcontinental airline. After the two hour interview, I did not receive so much as a letter indicating the status of my application. 
In XXXX XXXX, I decided that I would go to HSBC XXXX XXXX, as I did not want to deal with the unprofessional people at XXXX XXXX Branch. To my surprise, the same lady, XXXX XXXX, was the branch manager there, and said she would get back to me. Bear in mind, this is to open a simple checking account. I provided Certificate of Good Standing as a XXXX, XXXX, XXXX, proof of registration from the state of Maryland, and XXXX Identification Number. After a few weeks, still no answer so I worte to XXXX XXXX, and told her that I thought her treatment of me was highly discriminatory, and that I would take legal action if they do n't get their act together. She referred me to XXXX XXXX, XXXX at HSBC in New York. This time he said that all accounts having to do business with XXXX ar high risk, and that he woud take the pressure of of XXXX XXXX and send it to their compliance department. I reminded XXXX that the United States recently reapproved the XXXX Gowth and XXXX XXXX ( XXXX ), which was designed to encourage trade between XXXX and the XXXX. I also reminded him that the XXXX bank of the United States is providing millions of dollars in credit guarantees to XXXX companies purchasing U.S. manufactured goods, and that the XXXX XXXX XXXX XXXX ( XXXX ) was providing millions of US Dollars in project finance to companies overseas in which an American citizen owned at least 30 % shares. Therefore, I proffered, how could HSBC have such a policy that discriminated against an entire continent of XXXX people, and why have they reduced to address the issue of opening the account by putting something in writing. If find the entire treatment unacceptable, discriminatory, and illegal, and I want the necessary action to be taken against HSBC US.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We filed chapter XXXX bankruptcy in XXXX XXXX. It was discharged on XXXX XXXX, XXXX. HSBC should have started reporting our payments to the XXXX credit agencies., I found out that they have n't reported any of them when we tried to refinance the mortgage with another lender.. I sent them a fax asking them to 'reaffirm ' our mortgage on XX/XX/XXXX. When I called the next day and talked to a customer service agent about getting something in writing about the affirmation, I was told they were never going to re-affirm our mortgage. They do n't 'do that ' anymore. They are basically holding us hostage to their horrible company and practices as I was told by XXXX XXXX XXXX that without that written affirmation, they would n't re-finance us. Even though I have every monthly statement that shows the payments were make on time. Our mortgage with HSBC is an adjustable rate loan which adjusts every 6 months. It 's starting to adjust upwards. We also found out a few years ago that they did n't participate in the federal re-finance option offered for underwater mortgages. I want them to re-affirm the mortgage and submit all back payment information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: PA
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:
Experian keeps on reporting my scores wrong my score spouse to be at XXXX XXXX and XXXX I have no collections on my account what so ever

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 2021-03-17
Company: Consumer Portfolio Services, Inc.
State: MD
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:
Creditor access my credit report with a hard inquiry without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Flatonia Investments, LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I live in a condo building and every year my mortgage provider XXXX Envoy Mortgage XXXX sends me a letter that says I have to provide evidence of my condo buildings master homeowners insurance policy. The first year I found the letter oddly worded so it was not obvious to me what they needed me to do but now know they need something from my condo association. But this year, the very first letter they sent said they had already purchased coverage on my behalf with little information on why or for how much. When I called the customer service line to try to figure out what was going on I realized it was the usual request for proof of master policy coverage and I explained I did n't understand why I am being sent a threatening letter saying they purchased insurance on my behalf. The woman on the phone kept saying that the letter was CFPB approved but also confirmed this was the first request letter. I told her the letter may be CFPB approved to send at some point but it makes no sense to send me a threatening letter saying they bought coverage on my behalf without even requesting proof of coverage, that I have to request from my condo board. I also said that CFPB likely approved the letter to be sent in specific circumstances and I really doubt that the first request for proof of coverage was XXXX of them. By the end she did seem to get that the aggressively worded letter was not appropriate and said she was going to research this. However, since every year this process is way more difficult and time consuming than it needs to be I would really like someone to confirm that the letters they are sending are approved. I find them not particularly straight-forward with what they need since I also have a personal home owners policy and, most recently, unnecessarily threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
XXXX closed in XX/XX/2016 and over charged me on my loans. The school no longer exists. XXXX took over and now I have to pay out of my pocket XXXX dollars to complete my course

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I just started using American Express Serve. I went to XXXX of their advertised XXXX ATMs to withdraw {$400.00} to pay rent and the ATM malfunctioned, giving me an error message but no money. When I contacted American Express Serve they told me that the funds had been withdrawn from my account and that it would take up to 45 business days to investigate the matter and possibly 10 business days to credit my account. This issue happened on the XXXX. It is now the XXXX and American Express has no update on my claim. Every time I call customer service they just give me the practiced customer service apology but they can not help me. They can not transfer me to the claim department since they do not take calls. I need this mater resolved. I need access to that {$400.00} at this point to feed my family. It is not my fault that their ATM malfunctioned. I having nothing to do with there procedures and policies. All I know is that I need to feed my family and I had entrusted American Express with my money which they will not give me access to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-21
Company: TRANSWORLD SYSTEMS INC
State: CA
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:
A utility bill I had eight years ago was incorrect. It was a bill for the previous tenant that was living in my apartment, but was transferred to me. I disputed this with the gas company, but they quickly sold my debt to creditors. XXXX harrassing letters and several years have elapsed. The debt has not been present on my credit report for at least a year now. Eight years later, the debt has reappeared on my credit report. I have proof that the debt was not listed on my credit report, and then summarily reappeared with a false " from date '' of 2013. I was not living in the same state at the time of the false date. The company is listed under XXXX under different names. It is listed as TransWorld XXXX, and TSIXXXX XXXX. XXXX are appearing only for the first time this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had an XXXX card. I have been a member since 1996. They closed my account and sent it to collections. I have been trying to work with the collection agency but they are no help. I had contacted XXXX XXXX to get statement copies so I could pay my bill. They said they would sent it but it never came in. Then a month later I requested them again and they told me they would send out. And also they stated they would put a freeze on my account so I do n't get reported to credit agency. By the time I got the bills they had closed my account and sent to credit agency. They have lied to me and I should not be punished for this. I am willing to pay the full bill but I want my XXXX card reinstated and the false credit reporting deleted. Tell them to go back and go over the recorded calls and they will see what their agent said. They are not returning my calls form the executive dept either. seems like discrimation to find a way to cancel my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Phoenix Health Care Management Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told this company to stop calling and they called me XXXX  times in less than XXXX mins. I have the proof.

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