BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-26
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
Sears/Citibank is reporting a balance on a paid account ; I have disputed this account both with the XXXX major credit reporting agencies ( XXXX, XXXX, XXXX ) and directly with Sears/Citibank and the account is still reporting incorrectly ; I 've attached credit reports showing that the account is reporting correctly with a XXXX balance on XXXX of the XXXX credit reporting agencies but with a balance of {$6500.00} on the third ; the first credit report shows the balance reporting on XXXX, but after disputing directly with Sears, the XXXX credit report shows that the balance of {$6500.00} is now reporting on XXXX and not XXXX, a clear indication that Sears 's internal records are absolutely messed up ; this account should be reporting a balance of {$0.00} on all XXXX credit reporting agencies.

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 2017-02-16
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX, 2017, my card was compromised for {$190.00}. American Express alerted me of the fraudulent charges, however, they are refusing to refund me my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new HSBC account on XX/XX/XXXX in response to their offering a {$350.00} signup bonus ( proof attached ). I fulfilled all terms of the signup bonus, but did not receive the bonus. 

After escalating with customer service, they told me I did not qualify because I had an open account during the time ( attached ). However, the terms clearly state only customers with an open account between XX/XX/XXXX and XX/XX/XXXX are not eligible ( proof attached ). 

My previous HSBC checking account was closed on XX/XX/XXXX. This means I am eligible. 

HSBC has failed to abide by their own terms and did not award me my bonus that I am fully qualified for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-19
Company: Client Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I responded to a letter from Client Services Inc. regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit called initially called my Work Cellphone without my consent back in XXXX or XXXX of 2015. 
The company called using a XXXX number. 
I noticed I had previously received calls from this number for a week or so. 
I decided to answer this time thinking maybe it is a potential Customer calling and hanging up. 
When I answered this person very friendly and did not identify who she was until a little further into the conversation. 
After I had given her my Bank Account information so they could take money monthly our of my personal checking account did I realize she was from Midland Collection Agency. 
I closed that checking account and opened a new XXXX. 
I have received XXXX letter from them complaining about my checkingaccount not having funds and no phone calls I am aware of Lots of negative activity on my credit report at the XXXX Fraud site I belong to. 
Is there anything else they can do to me because I closed that checking account? 
They are hassling XXXX of my relatives right now so, I am a bit concerned if they would have a leg to stand on in XXXX Court. I feel that this Agent misrepresented herself and never gave this company permission to call my work cell phone before. 
Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: ERC
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:
On XXXX/XXXX/16 ERC ( a collection company in XXXX FL ) sent a collection letter to my California home address, with a name similar to mine ( with incorrect spelling ), claiming that I owe a debt for services never solicited or rendered. I have never had XXXX XXXX XXXX services at my home. For the past 8 years my landlord has provided all utilities ( including our XXXX XXXX XXXX XXXX cable services ) in her name. I am concerned about fraud on the part of ERC, XXXX XXXX XXXX or an unidentified third party individual. ERC states in the bill sent to my address that these charges will be validated if I fail to respond within 30 days. This is not my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
My fianc at the time, XXXX XXXX had a co pay to resolve, we were sending payments each month until one day it was sent to collections for some reason, we were unaware that it was sent to collections until I had spoken with someone from QAR Collections named XXXX who informed me that my fiances Doctor submitted this to collections, XXXX was supposed to call me back with a payment arrangement but never heard from her until I opened up a bill asking for full payment. This collection has my name on it and I 'd like to know why they have listed me when this was not my debt, I 'm very disappointed and this is the only attempt they have made. I also do not like how they are threatening us in this letter and I wo n't tolerate it. We will pay this but their terrible collection practices need to be looked into

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: MicroBilt / PRBC (formerly CL Verify)
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I spoke with XXXX XXXX, formerly known as XXXX XXXX and their affiliates XX/XX/XXXX about a discharged debt from XX/XX/XXXX that was placed in collections. This debt was filed in Chapter XXXX Bankruptcy as of XX/XX/XXXX, and discharged XX/XX/XXXX. I spoke to them and was advised to speak to the collections agency, and attorney that it was placed with, after speaking to the collection agency, i was advised that the debt was reporting correctly as discharged. I called them back and was advised that the supervisor would be assisting me in taking care of this situation. I tried to call her after a missed call, and never received another call. I received my consumer report from Microbilt and never received a response in regard to why this showing on my credit as well as why it still showing as a debt with XXXX XXXX ( better known as XXXX XXXX ). I 've recently spoken to XXXX XXXX who stated that they were not aware of this account being in bankruptcy, which is incorrect information they were informed months ago, as well as by me last month, and then blamed my attorney stating that they were n't able to contact him regarding the debt. Everyone received a letter from the court advising them of the discharged debt. XXXX XXXX aka XXXX XXXX is no exception. The person i spoke with the manager ( XXXX ) who had a very distasteful attitude with me, because i was upset about her disregard for the fact that the company was very aware of the CHXXXX and been given time between my call early last month, as well as my dispute, still i have not received a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When my loan was sold to my current mortgage company they did not transfer over the Hazard/Fire/Real Property insurance policy document which I supplied when the loan was originated. When my current mortgage company sent me a letter asking for the insurance evidence on XX/XX/XXXX I asked my HOA 's insurance representative to FAX them the information and send me an email copy at the same time on XX/XX/XXXX. The HOA insurance representative promptly faxed the evidence to my mortgage company as requested on XX/XX/XXXX. I have the emails to prove it. In XX/XX/XXXX I received a call from my mortgage company asking for the same evidence of insurance again. At this point I gave the mortgage company the HOA 's insurance representative 's contact information and I was told that it would be taken care of or else I would receive another phone call. Instead of a phone call I received a bill in XXXX for lender force placed insurance policy of over {$2000.00} dollars. I called back right away trying to clarify but was told that they are still talking to the HOA representative about the paper work. At the same time I found out that I could email them a copy of the insurance document myself so I sent my mortgage company an email with the insurance evidence attached right away. On XX/XX/XXXX I received another letter from my mortgage company saying that they are about to renew the lender force placed insurance on my property. I called right away on XX/XX/XXXX and was told by the representative that they are now seeking the XXXX term insurance evidence instead. I asked about the previous insurance evidence and was told by the representative that she was able to find the document in their system but it was n't attached to my loan. Because of the mortgage company 's incompetence I have been forced to pay for a redundant insurance policy of over {$2000.00} dollars for no reason. I believe my mortgage company ( Roundpoint Mortgage Servicing Corporation ) should be held responsible for their incompetence and the additional financial burden they have forcefully placed on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: TCF NATIONAL BANK
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
TCF BANK LOAN NO. XXXX CALLED MY WORK, HOME, CELL PHONE XXXX TIMES AFTER CEASE COMMUNICATION ORDER DATED XXXX/XXXX/2009 WRITTEN BY XXXX XXXX AND SIGNED BY XXXX XXXX. THEY HAVE VIOLATED THE T.C.P.A. XXXX INFRACTIONS AT {$1500.00} PER CALL OR {$400000.00} IN DAMAGES FINES ETC..THESE PERSISTED FROM XXXX. ALSO, VIOLATED THE F.C.R.A. TOTAL OF XXXX TIMES OVER 7 YEARS, XXXX RE-INSERTING LOAN XXXX 5 TIMES VIA CHANGING ACCOUNT TYPE, DATA, BANK HEADERS ETC.. ( SEE ATTACHED FROM XXXX ), XXXX XXXX TIMES OVER 7 YEARS BY CHANGING EVERYTHING NECCESSARY TO RE-INSERT ITEM BACK ONTO XXXX WITHOUT 5 DAY WRITTEN NOTICE TO CONSUMER. REPORT TO ALL CREDIT BUREAUS THAT THIER MORTGAGE LOAN IS IN FORECLOSURE XXXX TIMES IN 7 YEARS, WHERE THIS LOAN HAD NO LIEN RIGHTS ( SUBORDINATE LIEN ) SEE ATTACHED. 
FINALLY, TCF BANK IS VIOLATION OF THE DOOD-FRANK ACT WALLSTREET REFORM AND CONSUMER PROTECTION ACT.VIOLATED S.O.L. 8 TIMES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: M&S Recovery Solutions
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Repeated calls to a number that is not mine, and I have asked them to remove the number from the file. I offered a different number that they could call daily if needed. This company rep stated on voice mails that " A file with your social security number attached is in our office. If you do not contact us you will no longer be allowed to use your bank. '' Also they threatened legal action. When I mentioned that I was going to file a complaint, they said they would no longer give me any written documentation and that they would see me in court. I offered to make a payment plan, but was told that would cost an additional {$5.00} in " processing fees '' per month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, On XX/XX/21 I was looking for a home energy improvement loan through the XXXX  project. XXXX XXXX XXXX it gave this informatrion : XXXX XXXX is the public-facing platform of the California XXXX for XXXX XXXX XXXX XXXX XXXX ). 

The XXXX is administered by the California XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ), a state agency housed in the XXXX XXXX XXXX. The XXXX XXXXnd a series of energy efficiency financing pilot programs were authorized by the California XXXX XXXX XXXX XXXX XXXX XXXX and developed in collaboration with the investor-owned utilities : XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Financing are paid for by investor-owned utility ratepayer program funds It lead me to this ; XXXX XXXX XXXX XXXX XXXX 3.49 % to 5.49 % XXXX {$200.00} Cash-Back Offer Minimum XXXX XXXX Contact info ( XXXX ) XXXX option XXXX Email My XXXX XXXX at that time was XXXX but I was turned down and now have a hard inquiry on my credit report. The process was deceptive. I would never had applied had I known that even meeting their criteria they would turn me down. I want this inquiry removed from all three of my credit reports.

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 2017-01-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a fraudulent account showing on my Chexsystems report with XXXX bank. This account was opened fraudulently in my name. I have attempted to contact Chexsystems on the number that I found on their website and have not been able to get a hold of anybody to resolve this matter. I have filed a police report and I am trying to get it to Chexsystems and have been unsucesssful.

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 2015-10-08
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home in XXXX of XXXX and since RoundPoint received my account in XXXX of XXXX it has been a complete mess the first year RoundPoint tied my account up with another persons and paid from my escrow account a resident in XXXX County 's taxes and never paid my XXXX County and City of XXXX XXXX taxes and I did not find out until I got an outstanding bill from XXXX County and the City of XXXX XXXX, I called them and they assured me this would not happen again and that they had my account all cleared up. The very next year Round Point failed to pay my taxes for either yet again and I ended up paying 2 years of taxes in 1 year to catch up after I got a foreclosure notice due to their failure to pay the taxes that I pay into every month through my house payments. Now this year again i emailed them my tax bill due ion XXXX/XXXX/XXXX and I go online to check my account and they have again not paid my taxes but paid someone else 's taxes in XXXX County totaling {$1000.00} out of my escrow again and still have n't paid my City of XXXX taxes of {$410.00}. At this point I have been burnt 3 times by this same company and I have been more than patient with them and for this company to not handle my account in the proper manner I need my mortgage moved from underneath this company there is no repairing this mess and unprofessional behavior. I am so frustrated and disappointed not to mention very angry that they have paid another persons taxes out of my escrow for a second time is just unbelievable! this is my second time I am making a formal complaint against this company I want to move my mortgage for good no action can repair this incompetence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Sentry Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Attempted to contact Me at my brothers job stating they are collecting a debt for child support and after further investigation by myself and phone calls I had found out that was untrue sentery credit and XXXX XXXX XXXX constantly harrass my mother and brother also when I contact them they are extreamly rude and refuse to send me copys of what ever debt they say I owe I have been trying to dispute this with 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 2021-04-24
Company: John C. Heath, Attorney at Law, PLLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I worked at XXXXXXXXLexington Law for a few weeks and what I saw was horrible. I've never seen a company take CFPB less serious. I observed numerous things that were down right dishonest. Employees were taught to get sales my any means necessary. In training we listened to a call where a gentleman was calling about his stimulus ( nothing to do with it he company ) and the employee on the phone mislead him by telling him he had to sign up with out service to receive his stimulus. Many of the other calls we listened to were troubling as well. Multiple calls we listened to for training taught us that we should just tell them it's a free trial even though it's not. I also was there 5 weeks and not once did anyone listen to my calls. They don't seem to take quality control seriously and they have a don't ask don't tell policy. I would also like to add that the way the speak about their clients is troubling. They refer to them as XXXX XXXX, and XXXX constantly. I took my issues to HR and was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I purchased a gift card for {$100.00}, on XX/XX/2015 and was lost. So I reported the lost gift card on XX/XX/2015 and to this date XXXX XXXX, 2015 have not received the replacement cad. 
Please see attached receipt and the numerous calls to the company @ XXXX which has not been productive in getting our money back with a replacement card. they answer the phone with " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pro Collect is collecting an illegal debt on behalf of XXXX XXXX XXXX even after I indicated I submitted this to the Attorney General of Texas. I do not owe the {$1200.00} and I want this illegal debt off of my credit reports and all calls from ProCollect to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I presented myself to have a medical procedure performed. The doctor was not able to perform the procedure, inflicted physical pain upon me, continued with attempts despite my hysterics. While physically violating me, the doctor pretended to take radiographs knowing he could n't perform the procedure and consquently that there would be no results from the radiographs. My medical records reflect that the procedure could not be performed. Despite this, the office charged for the procedure. My insurance paid. Subsequently, this was disputed / investigated. Multiple attempts were made to contact the doctors office. Attorney representation was obtained. 

Skipping ahead, after having no contact from the doctor 's office, a collection agency repeatedly began contacting me. They were told via telephone the matter was in dispute and that I had representation. They were sent a letter XXXX XXXX, XXXX notifying them in writing of the dispute and that I was represented by counsel. I had to send XXXX letters, in addition to the verbal notices, before they stopped contacting me. And, in a phone conversation with their representative, XXXX on XXXX XXXX, XXXX after both verbal and written notice of dispute and representation had been made and verbal notification made to him yet again, he indicated that they would continue to contact me anyway. 

Ultimately, they made no attempt to contact my attorney. They are currently reporting a collection on my collection report that is simply not true. It appears to be simply made up as it does not correspond to anything related to the original matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation