BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-03
Company: ProCollect, Inc.
State: MI
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:
A collection from my former place of residence has been placed with ProCollect. I have a Police Report as well as copies of stolen payment that were provided to ProCollect via regular mail and email to the representative that has continued to call my cell phone and try and contact me wanting payment for a debt that is invalid and they refuse to provide documentation for. 
A copy of a police report, as well as copies of the stolen XXXX XXXX payments, were mailed to this company. After being told by a XXXX XXXX that this documentation was not received and I should email it, I did that as well. Given that I am still receiving bills for {$830.00} in the mail and phone calls, this company clearly has not taken any action other than ignoring the documentation that was provided. 
I do n't appreciate the phone calls. I do n't appreciate the complete lack of documentation that this company has been able to provide regarding validating the debt. I especially do n't appreciate the fact that I have sent personal documents on two separate occasions and this company has yet to acknowledge that they even received them.

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 2015-05-29
Company: Valentine and Kebartas, Inc.
State: LA
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 have been receiving several calls from this number, asking to speak with my son. I informed them that he does not live here and I would appreciate it if they stop calling my phone. I receive calls everyday from this number even after I have asked him to quit calling me. This morning I was contacted by a female representative who told me that she was working on a project with my son. I once again ask them to stop calling my number, and inform them that he does not live here. I am tired of the harassment every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
When I log into my account BOA is not allowing me to dispute a transaction charge online. It keep referring me to call customer service dispute direct. 

I tried disputing a charge for {$17.00} REF # XXXX / 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 2016-07-16
Company: Frost-Arnett Company
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX is billing me for an appointment I did not make but that a nurse scheduled for me.A no show appointment. I never was a patient of this XXXX but I called and spoke to a nurse about pain I was having and she suggested an XXXX but I was unaware that she scheduled one for me then I got a bill for no show. I have tried disputing this with XXXX XXXX and also XXXX.I was a patient of a different XXXX XXXX XXXX XXXX once you see any XXXX all your personal information is in their system. So she had access to my information and scheduled me an appointment without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: KEYCORP
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I co-signed on a loan for my step-daughter through key bank. Key bank is now charging me for XXXX large loans which are now in default. I did not take out XXXX large loans through key bank. I have asked them for both of the promissory notes multiple times. They will only send XXXX. I also believe that I am paying XXXX of the loans through XXXX. XXXX advised me that they currently hold a loan that was originated through Key Bank. I believe that I am being double charged for XXXX of the loans and the other loan does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: RoundPoint Mortgage Servicing LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Two years in a row, Roundpoint MortgageServicing Corporation forced placement for insurance on my property even though I had insurance coverage in place throughout that time and repeatedly sent copies and had my insurance company send copies. I 've had a total of XXXX documented phone calls, faxes, and letters to Roundpoint during the last 18 months and they have ignored my request to make this right. Each time I 've talked to someone in customer service, they have assured me that they have everything needed and that they see my insurance was in place during that time. I asked repeately XX/XX/XXXX for them to refund the amount they were escrowing since they did not need to force insurance since my was continually in place. They say they can see that they had proof of insurance, but will have to have the escrow department review and contact me. Nothing ever happened. When they forced insurance again beginning XXXX/XXXX/XXXX, I sent them a letter ( attached ) asking for immediate action for this fraudulent action. They just notified me that they will not escrow money for XX/XX/XXXX and have cancelled the forced insurance for this year. No mention of the prior year was given and my call to them gave the same result ( " I can see you had insurance in effect and we have what we need, but I ca n't take action ... '' ). 

I appreciate your help with this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I applied for membership to a credit union. The credit union told me they could n't pull my ChexSystems report due to a Security Freeze. Knowing that I did n't place a Security Freeze, I called ChexSystems and they confirmed that I DO NOT have a Security Freeze in place. 

The credit union kept insisting that a Security Freeze was in place. I ordered & received a physical copy of my ChexSystems report and it shows that I DO have an active Security Freeze on my report ( which I had never placed ). 

ChexSystems does n't seem to know what to do about the discrepancy and does n't seem in any hurry to figure it out. I 'm a real estate investor, so every day that goes by that I ca n't join this credit union and apply for a mortgage is a potential lost deal/money.

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 2016-03-09
Company: KEYCORP
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had multiple federal and private student loans during my time in college. During my personal bankruptcy case after college, I found that after my discharge was granted that, while most of my student loans were moved into the automatic stay, XXXX was not. I was the only signer on this loan and never intended or tried to have my student loans discharged during my bankruptcy case. All of my other loans resumed as normal after my case was discharged after some time, all except XXXX from my KeyBank loan. Unknowingly, they had moved my student loan into default and discharged it during the course of my bankruptcy, all without any of my knowledge or contact from them ( due to the rules of bankruptcy ). My complaint here is that it has been negatively impacting my ability to obtain better credit since it shows as an outstanding collections balance. Now, I pay far more monthly to their collections arm than I would have if the loan would have resumed normally, like every other loan I hold. I feel this was unfair treatment during a bankruptcy, unfair reporting of my credit situation, and an unfair balance to pay off as a lump-sum. I have no means of recourse here since this item was nestled tightly into my promissory note and seems at odds with the inability to discharge a student loan without proving undue hardship, which I never pursued during my case. I do not have any requests beyond repairing my credit standing and paying a fair monthly charge, something of which I was never given the option. My lawyer claimed she had nothing to do with this portion of the bankruptcy and washed her hands of me and my case. What are my options now other than sit back and take it on the chin? I have attached a copy of my credit report from last year and my most recent statement from them with the monthly payment amount I currently pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: First Credit Services Inc.
State: IL
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:
Company called me first week of XXXX, stated I owed a debt. I requested them send me written verification of debt. They stated that they have but, to a different address. I updated my address with them and I have n't recieved any letter verifying debt. They called me today XXXX/XXXX/2016 asking me to payou, I stated I have n't recieved any mail in reference to the debt. I then provided my email to speed up the process, I havent recieved an email from the company to verify the debt. I called the number that called me and was told by a gentleman that he was not handling the case and I needed to call back in 30 minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me. 

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Collection Bureau of America Ltd.
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 was paid

Complaint:
This was never a debt I paid my account in full and had them pick up the equipment when we moved. Now they have put me in collections for items I do not owe on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: WA
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 do not owe this debt of {$26.00} that I keep getting bills for and now I have received a collection notice where my credit is perfect. This is an illegal attempt to take my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: First Data Corporation
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have had constant issues with the company Telecheck denying my checks at XXXX and XXXX over this past weekend. XXXX times my check was denied. As has happened before this always happens on a Friday or on the weekend when no one is available at Telecheck to speak with. I called Telecheck today and could not even hear the woman on the other line. When I did ask her why my check was denied she said my bank said I had no funds. Friday was my payday so I had plenty of money. I also called my bank who said they do n't know why or how telecheck would say that. I do n't know where or how this company stays in business or where they get their " information ' on my bank account from. You ca n't get an answer from a person from the company when you finally get through to someone on their complex telephone system.

Company response to consumer: Closed
Consumer complaint received 2015-10-12
Company: Hameroff Law Group, P.C.
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
A letter for debt collection was sent to me from the Hameroff law offices dated XX/XX/XXXX. In response, I mailed a letter ( certified ), dated XX/XX/XXXX, in which I requested not to be contacted about this debt any further. The statute of limitations for legal action on this account has passed. I have not made any payments on this debt since at least XX/XX/XXXX. In this letter, I stated : " Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. " I received another collections letter from them dated XX/XX/XXXX. Nowhere on this notice does it say anything their confirmation of my request.

Company response to consumer: Closed
Consumer complaint received 2015-10-12
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I received a letter from Synchrony Bank ( formerly GE Financial ). In the letter, it lists reasons why they reduced my credit limit such as number of times credit used in 12 months, number of months credit card has been opened, amount of payment to low over 12 months, and used too much of credit limit within 6 months. And, at least XXXX of these reasons are false. 

I called the phone number listed to obtain further clarification and dispute action. Initially, I was told to contact XXXX to get further clarification. After tell them, I knew my credit score. Then, I was told they have their only credit scoring. When I asks them for further details, I was told they do n't give out information about their scoring. I would also like to note : I have made more than the credit payment they required every month on time ; they lowered my credit limit so low that I would have went over the limit the next time a finance charge was assessed ; and over they past 6 months I had used less than 50 % of my credit limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13
Company: Kingston Data & Credit International Inc.
State: VA
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 membership for XXXX plus XXXX for processing, which I paid. I received a debt collection letter from Kingston Data and Collection international, for a bill of {$590.00}. I tried calling XXXX, XXXX XXXX, bad phone connection, much static. I researched the company on the internet, based in XXXX, but per the letter they are in XXXX, NY. Debt incurred XXXX? 2015, not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a Home and Financed it thru XXXX using a FHA Loan. The REP for XXXX told me that once the Value of the Home went up 20 % i could request to have the Morgage Insurance dropped. Shortly after that the Loan was sold to Wells Fargo Bank. In 2012 i contact Wells fargo and asked them to drop the Morgage insurance since the Value of the Home had risen 20 %. 

They sent me a letter that i had to wait at least 5 years for them to drop it. I am paying just over {$300.00} a Month on the Insurance. 
My Current Morgage Ballance is XXXX and the Value of the Home is between XXXX and XXXX. 
.Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: GA
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:
Approximately XX/XX/XXXX I realized fraud account mixing with other account and sent dispute to Equifax. I escalated the complaint to FTC Report XXXX XXXX is inaccurate and is in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that this account opened this item be investigated and removed from my report. Please remove any information that the creditor did not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must remove until it can provide all the evidence. Equifax has failed to meet its statutory duties under sections 1681 i ( a ) and 1681 e ( b ) and continues to willfully violated the FCRA of reporting false information and did not delete the fraudulent account. Under the FCRA Section 15 U.S.C. 1681s, this account is in civil litigation against Equifax for fraudulent and unauthorized deceptive practices being committed on their behalf for simply making only cursory investigation into the reliability of information which has harmed me against getting a 2nd mortgage and ridiculously high cost of credit Here are the details of the account : XXXX XXXX XXXX XXXX XXXX Allegedly Opened date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: EOS Holdings, Inc.
State: KY
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 have requested my credit report and there was a reported debt on there from EOS CCA which stated i owe them {$4500.00} for an XXXX Bill i then contacted XXXX to inquire about the bill seeing as i had no knowledge of even having the service with them. I was first transferred to customer service which they have informed me they have nothing in their system of me ever having service with them which then i proceeded to be transferred to their collections department for further confirmation and again they also told me they have nothing even stating i was ever a customer through them. my question is what can i do about this to have them to remove the debt from my credit report this to me sounds illegal to try to collect a debt and report a debt that i do n't even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Admin Recovery, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX/XXXX/2015, at XXXX PST, I received a voice mail from XXXX XXXX with Admin Recovery at my place of employment. The message stated the the call is regarding " case file, XXXX, concerning a bad payment passed through XXXX XXXX Bank, in an breach of contract, that looked to have been done maliciously ''. 

When I called XXXX back, I was not provided the mini-miranda. He told that the account was pre-legal and that their attorney would be looking to sue me in small claims court in XXXX XXXX because the balance was less than {$5000.00}. When asked, he advised me that they are located in XXXX. It would appear that there was no real intent to sue at the time I was told this. 

Additionally, the voice mail and collector uses term " case fie '' to describe my account number with them in an attempt to misrepresent the legal status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Movement Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My wife and I are pre-approved by Movement Mortgage here in Georgia. My wife and I have met every stipulation that Movement Mortgage has laid in from of us and in fact we 've been approved but for some reason in the last few hours they wo n't process our loan ( we were supposed to close today ). In fact, they claim that the original loan processor called in sick today ( bait and switch ), and are now making us prove our loan worthiness once again while the sellers and buyers of XXXX other loans are waiting to close, the sellers of the home we 're buying are basically backing out of our signed and agreed to deal. Please warn other people of this bait and switch that we are going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX uses Certegy Check Services, " Certegy '', to provide a recommendation to process a check for deposit. Every month, for over 12 months, I have written and deposited a {$100.00} check into my sister 's XXXX account via remote deposit. This month, due to a computer algorithm that no one understands, Certegy recommended to decline my check for deposit, twice. Upon calling Certegy ( call reference # XXXX ), and providing approval as the payee, the company has no way to override a computer decision. There are more than enough significant funds available in my account, and I 've written the check and given my approval for deposit, yet Certegy is allowed to reject transactions without manual override. As a payee, I feel that Certegy has no legal right to reject a transaction against my account that I explicitly approve and have sufficient funds for.

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