BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: The CMI Group, Inc.
State: OH
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:
XXXX offered me a deal for free cable and internet for 1 month. I could then return it after that promotional period. I asked about catches, and they stated their was a XXXX deposit for the equipment and that was all ( I can not remember the exact amount as this was about 8 years ago ). After 1 month, I returned the cable TV box to my local XXXX office. I then paid for the internet service for 3 months, and cancled at that time. When calling to cancel they stated that I would need to drive to the XXXX office to return the equipment, which is 2 hours away. I asked about the XXXX office, thinking they were mistaken about the closest one. They stated that I could not return it there, and that if I did I would be billed for the equipment. I asked for anything showing that I agreed to these terms, and they are yet to provide, because it never existed. I was very skeptical about the deal, so I read the 1 form for the equipment that I signed very thoroughly. It never mentioned anything about return the equipment to XXXX, and they never gave any objections to the Cable equipment being returned to the XXXX office. I would like the XXXX collection they issued which is now reporting with Credit MGMT acc # XXXX to be deleted from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, we are filing a dispute regarding the modification offer that was extended on XX/XX/2017. We completed an RMA package and outlined all of our expenses and income. Our gross income is {$6900.00} and our expenses are {$5900.00}. Thus places our debt to income ratio ( DTI ), is currently at XXXX % on the back end and XXXX % on the front end. 
These payments being offered are extreme and place or debt to income ratio at a severe deficit. It appears that there was no type of underwriter guidelines being followed to determine our affordability. We feel that this modification offer is predatory by nature, due to the fact that these payments are placing our debt to income ratio on the back end at XXXX %. 
None of the Shellpoint underwriting math makes any sense and it is not an acceptable payment. 
It appears also that based on the mortgage calculations and mock amortization schedule, the modification is based on {$28000.00} being paid back within a XXXX year term, which is completely unaffordable. The definition of A loan modification is a permanent restructuring of the mortgage where one or more of the terms of a borrower 's loan are changed to provide a more affordable payment. With a loan modification, the lender may agree to do one of more of the following to reduce your monthly payment : reduce the interest rate. This has clearly NOT been achieved in this case. 

Our family feels that this type of treatment is an outrage and a great way to force our family into a XXXX bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX submitted debt that I did not owe to Credit Mangement XXXX. I have repeatedly talked to XXXX, who have told me that I do not owe the money trying to be collected, but they have thusfar been unable to send me any paperwork or billing statements in writing saying that I do not owe this money. I was told via a XXXX Rep that the debt they incorrectly assigned to me was cancelled, and I should not receive any additional calls from this credit management service. This was not the case, and I was told today, XXXX/XXXX/15 by Credit Management XXXX that I need to pay the bill immediately or it will be reported on my credit. XXXX has again stated that I do not owe this money, and that the issue should be taken care of. I still have no written proof at this time, though I am awaiting an email from XXXX, sending a proof of billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i am filing this complaint because equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is 2 fold. 
1 ) I have been getting getting notices from Shellpoint Mortgage Servicing stating that I am 3 months behind on paying my mortgage. The payment has been automatically deducted from my checking account every month at the same time. 
This has negatively affected my credit. 
2 ) I have provided insurance coverage for my properties on several occasions, my XXXX agent has also sent them the cover sheet. Shellpoint continues to state that they do not have evidence of insurance and is charging me {$620.00} for each of my XXXX properties. My insurance from Farmer 's is {$820.00} for all XXXX properties per year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: First Data Corporation
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/2015, this company offered me a new credit machine for my store. When they came to install the new machine, they could never get it to work. Eventually, I became tired of dealing with the issue, and I asked them to come pick it up. Even though the equipment never worked, they refused to pick it up and continued to bill me for a service that I never used. I just do n't know how they can continue to bill me for a machine and service that never was operational. I have repeatedly asked First Data to come pick up their machine, or give me instructions on how I can send it back to them. They never do. They just keep sending me bills, and reporting this account as a past-due account on my credit report. That is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: First Data Corporation
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, 2016, I purchased by Electronic Check, items totaling {$76.00} at XXXX XXXX in XXXX, Oklahoma. The purchase cleared the Point of Sale terminal and the clerk handed me the receipt and the processed personal check back with no indications of a transaction error. Later, on XXXX XXXX, 2016, I receive in the mail a Notice of Failed XXXX Transaction from Telecheck XXXX XXXX XXXX XXXX claiming that banking information was not read correctly from the check at the Point of Service terminal at the time of purchase. Telecheck has referred this " error '' to their TRS Recovery Services as a debt collection. How can a supposed check reading error be in debt collections when Telecheck has the money and has not yet processed the transaction? Telecheck states in this letter that they need additional bank information and personal information from my checking account to correct this situation. I contacted my local bank and described this letter to them and the bank stated that there are " red flags '' involved with this letter. My bank recommended I put a stop-payment on the check with the purchase. I did this on XXXX XXXX 2016, I also the same day went to the merchant and offered to pay the amount of the stopped-check in cash and request a receipt. After a hour of going back and forth with 3 different representatives over the phone with Telecheck and XXXX XXXX representatives and the store manager and all adamantly wanting to know our bank information and that that we pay again by check, they finally gave in a let us pay for the items in cash with receipt. The representative on the phone with Telecheck made threats over the phone that this situation is not over yet and I will be receiving more threats in the mail. It is time for me to get an Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I 'm contacting your agency to understand why my account with XXXX XXXX XXXX would be transferred to a collection agency and per the letter from the agency account is in a delinquent status. I understood only collection accounts are turned over to agencies for payment. The letter from the agency is dated XX/XX/2015 and XXXX XXXX XXXX has just processed my latest payment to them on XX/XX/2015.Please advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector refusing to send validation of debt. 

Debt Collector also still calling AFTER I told them I was contesting the debt and that they need to send validation of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Early Warning Services was  disputed on  XXXX / XXXX / XXXX  with   XXXX   XXXX   XXXX   XXXX .   XXXX   XXXX   has been disputed on  XXXX / XXXX / XXXX . My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When   XXXX    found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with   XXXX   and no luck. Attempted to resolve wit h Early Warning Servic es,   XXXX   XXXX  , and no luck.  XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for busines ses. Real Estate and Construction . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Ladies & Gentlemen, On XXXX/XXXX/15 I learned my credit card had been used fraudulently to obtain a credit report and background check. I immediately cancelled the card and renewed a fraud alert on my credit report. Thanks to the fraud alert, on XXXX/XXXX/15 I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding an attempt by someone to open a line of credit with my information. 

Please remove this credit inquiry from my credit report since I did not apply for this line of credit. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed and sent information to XXXX Equifax XXXX went up and XXXX has went down even more. It 's like a game to these people ... XXXX has a class act lawsuit and I sent them information about this and they still refuse to remove it off my credit report. Also XXXX items in collections has been paid for months ... XXXX actually came off and then right back XXXX..What is the problem with Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: First Credit Services Inc.
State: AK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a phone call XXXX in the morning in XXXX XXXX. The person told me I owed money for a gym membership that I did not pay for 3 months since XXXX XXXX. I normally paid {$15.00} per month and the gym membership was on auto pay from my credit card. I did not received any notice of non-payment from my gym. The collector also continued saying I owed {$100.00} for the 3 months of missed payment. My membership was {$15.00} dollars a month and now is it {$100.00}?!?!?!? I asked why there is a huge increased, the collector responded for msc fees added to the account. The priced double. The collector stated if I pay now, I can get some discount from cost and they would need my credit card number now. 

I thought this was a scam because I was never notified of any late payment. I told the collector to email me the debt information. They agreed to email me the information. Now in XXXX XXXX, I received XXXX phone calls a throughout the day at weird hours from different numbers. I asked them several times to email me the information and never did I received an emailed copy of my debt information or my rights. I am sick and tired of being bothered with weird numbers and they can never email my debt information when I asked several times. 

They have been leaving me messages stating if I do n't pick up the phone, I had confirmed I am that person on a voice message!!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Charlottesville Bureau of Credits, Inc
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Shechtman Halperin Savage, LLP
State: RI
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
My mom passed away on XXXX XXXX, XXXX. She left XXXX mortgage liens, one was taken off. We had the estate probated and the deed transferred into both my brother 's name and mine. About one year ago, a real estate company started coming around invading my privacy. They posted large paper on my front and back doors. They started sending harassing letters about removing me from my mom 's house. They have been showing up without my permission, trespassing on the property, taking pictures, driving by and taking pictures. Later on in XXXX of this year XXXX, They filed a complaint without first notifying me about it. They never served a notice on the complaint. It was a cross-claim. I have filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. Today, XXXX XXXX, XXXX, my Bankruptcy was officially discharged. I received a letter in the mail on XXXX XXXX, XXXX, saying that they scheduled a hearing for XXXX on XXXX XXXX, XXXX. They have no grounds to sue me and I want them ordered to cancel this hearing. I sent them emails to let them know this I have n't heard from them, and would only like a response if they will cancel this hearing, as I did n't do anything wrong. They are seeking a summary judgement from to recover the balance, because the house was underwater.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company in XXXX with the number registered as XXXX called my phone multiple times per day, eventually I was forced to answer. Silence for several seconds, then I was confronted by an XXXX man who refused to tell me who he was or why he was calling until I confirmed who I was. I confirmed, and he then told me he was with American Medical Collection, calling about a debt of {$72.00} XXXX. To my knowledge, I have no current outstanding medical debt, and my medical insurance has never contracted with these people before. Told him to call back later, at which time he offered me a one-time exemption where I could pay a flat {$50.00} XXXX to resolve the debt on the phone, right then and there. I told him no, he promised to call back later. 

I will be blocking this number, and apparently this company has been investigated and sued before for aggressive calling tactics. So, just a heads up, these people are still engaging in these tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Orions Management Group, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This company Orian Management from XXXX, CA employee by the name of XXXX called my job stating that he had some papers to serve for court and do he want me to serve them at my job or at my house. He also continues to call my cell pone harassing me over and over again. I DO NOT want them to call me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: First Credit Services Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a passed due account for a gym membership at worlds gym that happened because my credit card # changed. The debt was in collections status when I knew about it in XXXX of 2015. Once I noticed that I owed {$250.00} I promptly went and paid XXXX {$250.00} on XXXX XXXX 2015. The account was sent to collections in XXXX 2015 on this gym contract that was paid in full. When I reviewed my free credit report I noticed this was still on my report. Now a year later my credit score is down XXXX points because XXXX forget to end my membership and never marked my account that way in there system. When I received a call in XXXX of 2015, I called worlds gym and asked has this been taken care of and they said yeah its a scammer. Now I 'm risking not getting a possible job opportunity because this looks bad on my credit which has dropped from XXXX in the last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Atlanticus Services Corporation
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, I made an appointment with XXXXXXXX XXXX about considering possible XXXX. I was told I was an excellent candidate.They treatment was {$580.00} which they financed through FORTIVA, XXXXXXXX. Less than two weeks after the treatment I went back and spoke with the Manager and said the treatments did not work and now I have a XXXX. She told me she would get with her Regional Manager and get it resolved. Two weeks passed, i heard nothing so I started to call. They said they would refund the unused XXXX units I disputed the total transaction with FORTIVA and their response was a copy of the contracts I signed with XXXX. I have since written FORTIVA telling them that the contract I agreed signing however this was obviously not the dispute. I have not had a response. They however did send me a letter threatening to wire off my account and report me the credit bureaus. XXXX did offer me an appointment in XXXX to resolve the issue then cancelled the appointment. I now want a refund to the account and do not wish to do any further business with XXXX. FORTIVA appears to be clearly on the side of XXXX and directed me to resolve with them. XXXX has made it clear and thus I demand a full credit and the account removed from my credit bureau trade list. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-29
Company: Atlanticus Services Corporation
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Comapany block customer for 7 days before making another payment. I have called and was told to wait 7 days. If consumers ca n't make payments, IR balance will increases. This customer is forcing consumers to pay more money in IR not fair and very fishy..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-23
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have called Family members telling them that there are going to file a compliant against XXXX XXXX unless they get in contact with him. When tried to call goes to full mailbox. Told not to call when contacted thru multiple numbers continue to threaten!!! This is Real time collections

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: KEYCORP
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am trying to close a line of credit with Key Bank ( formerly First Niagara ). The process has dragged on for more than 30 days. I can not open another line of credit at my new bank because the lien on my Key Bank account is still on file with the State of Connecticut ( where I live ). Agreed upon account termination timelines have gone unmet despite promises from well-meaning staff at my local branch.

Company response to consumer: Closed with non-monetary relief