BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I opened a Macy 's credit card once, did not get their bill. They threaten me for debt collection. On the phone, I gave them my bank account number, paid for the late fee and everything. At the same time, I requested to cancel my credit card with them. I am still getting another bill from them to pay them another {$2.00}. Even though I am not their customer anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Other

Complaint:
I purchased an item with my Macy 's credit card, and never received notice of my late payment or my account statement balance. I discussed the situation with Macy 's and they removed the late payment fees because they acknowledged that I never received a formal invoice requesting payment. My credit score has been severely affected by this situation and I would like to know how it can be fixed.

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 monetary relief
Consumer complaint received 2015-07-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
CitiCards ( CitiBank ) made changes to my login without any information or warning. And is not providing any response to inquiries. 

Now I can NOT access and can NOT use my rewards balance of over XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company is reporting an account and after two attempts to get details on the account, they have yet to respond. What they send is nothing but a statement. I am asking to see more information about this debt such as the proving the statue of limitations has not expired, a break down of all monies owed and documentation that I agreed to pay what they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Sterling Infosystems Inc.
State: CA
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Customer service/Customer relations

Complaint:
I am submitting a complaint in regards to a background check performed by Sterling Infosystems. I had recently applied for employement with XXXX for a warehouse job in thier XXXX California location. Staff Management/XXXX is the contracted company used for hiring process. I qualified for every step in the process until the background check. Sterling Infosystems is also contracted to do the background check. I recieved an email and regular mail copy of the background check and the " Notice of Adverse Action '', disqualifying me for employement. The " Criminal Background Check '' information was correct. The problem was that this information was not only misinterperated but due to the in ability to read and understand the court doc info the agency or Staffing company both tagged the information as " High Risk ''. The court dcoument were transcribed, are not an Official Signed copy of the original court docs. Sterling Infosystems claims that there are XXXX ( XXXX ) seperate charges of a XXXX ( c ) XXXX, that is incorrect. The information shows XXXX Docket/case numbers which represent " Transfer of Juricdiction '' from XXXX California to XXXX California. This is due to my moving to another county. The Incidents are the same within 1 day, again typo error. In the " Additional Information '' field you see the transfer to XXXX XXXX but is the same case/charge. Both Sterling Infosystem and StaffManagement XXXX were made aware of this problem vis a phone call using XXXX XXXX of Staff Management and XXXX from Sterling Infosytems on Thursday XXXX XXXX. I have not had any further contacts with Sterling or XXXX regarding this issue. I am troubled that the background check company was neglegent/incompitent in reading the court document and risking my employment with XXXX. Once again the information on criminal background check is correct but was not interpreted correctly by said professionals. I want this claim investigated and all parties made responsiable for this crime in it self, fraud claims, to correct thier said expert positions in background checks. Same goes for Staffing ManagementXXXX, they too did the same or may seek damages for violations to FCRA. 

Sterling InfosystemsXXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Management XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX, Illinois XXXXXXXXtele ; XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015, XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. When my loan left XXXX XXXX XXXX, everything was perfectly fine with my escrow account and my monthly mortgage payments. In fact, the month before it sold, I sent them a check for an escrow shortage. On XXXX XXXX, 2015, Carrington did an Escrow Analysis and somehow came up with a shortage in the amount of {$1100.00}, however, no one can explain to me where this shortage is coming from. It does n't really take a genius to figure it out. They are paying my taxes on the wrong dates. I have faxed them a XXXX page letter on XXXX XXXX explaining my discrepancies with my mortgage XXXX a copy of which is attached for reference ). Whenever I call Carrington, no matter who I get, their response is always " I do n't know '' No one there knows how to do their job. My property taxes are due in XXXX and XXXX each year. They are trying to pay my property taxes in XXXX and XXXX and so now that is where the shortage is coming from. They are paying taxes before they should. The XXXX County Auditors office has gotten numerous complaints about Carrington doing this and they are getting extremely irritated because it is creating more work for them. They do n't even know what our taxes are going to be each XXXX until the XXXX ballet passes. Tax bills do not go out until XXXX and are due in XXXX. So Carrington is sending wrong amounts to them! In addition, Carrington is paying too much for property taxes. My taxes are {$1300.00} a half and Carrington is paying {$1300.00}. They are trying to tell me that my mortgage is going up {$98.00} due to this shortage, yet they ca n't even explain the shortage. Again, no one at this company knows how to do their job. I know more than they do. I never had any problems with XXXX XXXX XXXX. Carrington has been a COMPLETE nightmare and action needs to be taken against them. I have sent them all the documentation they need, and XXXX again, I am attaching all that documentation to this Complaint. They better get it figured out soon or I plan to take further action against their company! This company is a FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My wallet was stolen out of my car on XXXX/XXXX/15. I have talked with regions bank several times and am constantly getting no where with this company. I had called again on XXXX/XXXX/15 to talk to soltions department to refile the case. the next day it was denied. I have called several times and no one is willing to do anything at the main office or branch level. This company has STOLEN a total of XXXX in fraudlent charges and XXXX in fees that occured due to these fraudulent transactions. the total being XXXX STOLEN from this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: 3rd Generation, Inc.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was verbally insulted multiple by a representative. The representative shouted over the phone to tell me to " shut up! '' and afterwards he told me to " be more of man '' and that " I am irresponsible ''. The same representative left me a voicemail stating if I did not call him back he was going to report me to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had an interest rate lock agreement with TD bank during my mortgage application process. Just after a day of my application loan officer denied to offer me the same rate. He has been promising me to offer competitive rate but not the same rate. I have a contract signed with seller amd have paid earnest money. Now within less than a week from loan application date, interest rates are increased. So if I go to another lender, they will charge me more. What options do I have to make sure that the bank keeps the commitment? Can I file a complain if they do n't keep the agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Auto Trakk, LLC
State: DC
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have requested debt validation from Auto Trakk several times and to date have not received anything. I am rerequesting a contract or something which bears my signature and shows that I owe this debt or I request that it be deleted from my credit report as it has bot been validated after several requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received a loan modification from TD. We complied with all the payments. 
completed XXXX trial payments $ XXXXCash contribution of $ XXXXXX/XX/2014 modification began $ XXXXXX/XX/XXXX notice of new payment $ XXXXSince receiving that letter we have called and emailed out representative. No responseCalled TD bank XXXX times a week on phone for hours being transferred around. No one knows what 's going on and they say a supervisor will call back. They never do. 
What do we do? Nowhere in agreement says this is going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card
Issue: Other

Complaint:
After reviewing my credit report, I discovered that Target has been adding new " Key Derogatories '' when I settled on this account two years ago. This is inaccurate and only serves to lower my credit score. I have been disputing this account for a few months now and Target has done nothing but damaged my score even more. There can not be ANY " payment history '' entries AFTER the account was paid because this is a closed account and there is no balance due. I am also attaching a copy of my credit report showing their updates in my payment history. Their inaccurate reporting is unfairly damaging my credit score and needs to be removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-24
Company: GATEWAY FIRST BANK
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I found fraud in the so called loan process i.e. servicing, and originating the credit. Notice was enacted of the violations on commercial law and common law. The mortgage servicer 's fraudulent activity has voided the contract and nullified the contractual obligation of the payee. I revoked the power of attorney and instructed the company to forward the chattel papers to the updated trustee. They refused to comply with my demand. Now, they are processing an illegal foreclosure of my personal property, which is not lawful because they sold their security interest when they transferred/ assigned my promissory note to an investor that is trading my " instrument/ note '' on the open market. All of this is not legal because in Alabama, all transfers/ assigns are to be filed with the county recorder 's office. 
The mortgage servicer, once mortgage lender, have no lien on my property, which makes the frivolous foreclosure process an illegal procedure. They committed securities and wire fraud by sending me a forged document ( a copy of the single indorsed security instrument ) via email communication. All incidents have been report to the pertained local and federal agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Blitt and Gaines did not send me a letter of a right to dispute a debt of a XXXX XXXX card. They are lying in response to a complaint filed by me XXXX. Response was in writing by XXXX XXXX of the company. They did not attach a copy of the letter they supposedly sent to me in their response. I never received any correspondence by the firm to myself in regard to a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Paramount Recovery Systems added collections to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever before yesterday. Paramount Recovery Systems put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I first reported the issue to the XXXX. Paramount Recovery Systems responded by sending me validation and verification of my debt, which was never in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Fell behind in mortgage payments due to extended period of unemployment, and theft of personal assets. /worked with ERA Mortgage and was approved for a loan modification. We declined it because it was too expensive. We reapplied, met all deadlines with time to spare, I checked with them two times by phone, spoke with at least XXXX different case managers who advised all information was received and they would process the paper work accordingly. Then a two or more week black-out period happened during which time we ( my wife ) repeatedly called them. Finally, after the deadline, they called me last Friday about supper time saying this was a courtesy phone call to advise us we had failed to provide the required information and therefore our request could n't be considered and the house would go for sale at the sheriffs sale Thursday XXXX/XXXX/16. Whether the mortgage company is full of bunk, doing this on purpose or if they 're sincerely in error ; they are in the wrong and this is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
About a year ago, I submitted a complaint on my fiances behalf about Renton Collections in XXXX, WA. Last year, we tried to make contact with them to find out about a medical collection they had put on his report and find out where it came from and if it was his, a way to settle it or way to pay it. Not only did they refuse to furnish him proof of where the debt came from and where almost the {$1000.00} 'interest ' was coming from, but they also talked down to him threatening to take everything from him and told him he was n't allowed to call them more than three times a day ( after they continuously hung up on him and I ) and then when we could get ahold of them, they told us we were n't allowed to call again until the next week. After I submitted the complaint the last time, this 'debt ' he 'owes ' mysteriously disappeared from his credit report. And now, over a year later, they 've randomly put it back on his credit report as not only a new debt, but as one that 's in dispute. We have not contacted them or spoken to them in over a year and we want this off his report where it should be.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-10
Company: Mediation Recovery Center
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I received a voicemail on XXXX/XXXX/15 from someone named XXXX from Mediation Recovery Center at XXXX stating that they never heard back from me & that they will be calling my job tomorrow. They contacted my job the next morning without my consent & threatening me on the phone that they have my ss # & will verify my pay to garnish my wages! I told her she is not allowed to call me at work & she kept blabbing on then hung up on me. I contact XXXX from Mediation Recovery Center @ XXXX to let her know not to contact my work and that I have rights, she proceeded to say that she will call to verify my pay they have me recorded and that I should pay my bills then hung up.Again she made threats and not once in that conversation did she mention that I was on a recorded line.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-11-26
Company: Blitt and Gaines, P.C.
State: KS
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XX/XX/2016, I received a dunning letter signed by an attorney on Blitt and Gaines , P.C . stationery. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. 
The attorney filed a lawsuit on XX/XX/2016 against me within the thirty ( 30 ) days. I have had to defend in court while another Blitt and Gaines attorney continues to send dunning letters without proper validation. In court, the attorney for plaintiff is shifting the burden of proof onto myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Crow Creek Sioux Tribe
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I subscribed to a website that directed me to some lenders and this lender, Myloansite.com, sent me an email stating they approved my payday loan request. I logged in and i was directed to sign electronically some contracts online. I made a mistake and did n't read the little details on the contract such as interest rate which is around 650 % and it 's a rip off. This company operates like a XXXX and I read online that they 're not even licensed. Now, the amount is around {$1700.00} since XX/XX/XXXX and I told them I will never pay this amount to them. They can send me to collections all they want. This is scam and rip off. Please make sure such companies will not abuse consumers like me and advise how I can make payment to this company at a reasonable account to disappear from my record completely. Such companies use vulnerability of consumers like me and abuse with huge interest rate. They 're XXXX of loan industry.

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 2016-10-03
Company: Capio Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX. To my dismay the alert was an account had been reported to collections. I have been working diligently on my credit and know I have not been late nor defaulted on anything. After some investigating I was able to find out the acct. is from an XXXX XXXX visit on XX/XX/XXXX. Not only do I not recall being in the XXXX XX/XX/XXXX, but I had medicaid ( back then in Michigan it was called the Adult Benefit Waiver ). I contacted the hospital where the original service was rendered and they do not have me owing any kind of balance. The lady in billing also informed me that it is possible that I was billed directly by the Dr. She then gave me the number of XXXX XXXX XXXX. I then called them and gave a very rude lady my info. She explained to me that yes, the acct was sold by them to XXXX, the collection agency and that was all she could tell me. This bill of {$380.00} is ruining my credit and it is not a valid acct. If services were received on XXXX XXXX, XXXX, than XXXX XXXX XXXX should have been paid by my insurance just like XXXX XXXX XXXX XXXX was. Please Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a collection agency by the name of Bull City reporting on my credit an account for {$300.00}, claiming I owe this amount to XXXX XXXX. This account does not belong to me and it 's affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I tried to submit a teacher loan forgiveness application and they lost my application. I submitted the application again after talking to XXXX people at Nelnet. Then when I called back to check on the status they told me that I needed to submit another form for a different school that I worked at. I had already called previously and asked if I needed to submit any other papers and they told me " no ''. Therefore, I have been paying my loan for 5 months and it should be forgiven. I am still paying my loan because I have to wait for them to approve the new forgiveness paperwork.

Company response to consumer: Closed with explanation