BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address listed under places that I have lived that is incorrect. " XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX '' is listed as a place that I have lived recently and I have never even stepped into that state let alone lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: SYNCHRONY FINANCIAL
State: KS
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:
Synchrony Bank gave the wrong information to XXXX 's XXXX who got the information directly from the bank who was supposed to give the account number since I could not provide and it was the wrong account number I contacted the bank to Fraud Unit and the State Attorney General 's office and no one seems to be able to get the bank to see that I 'm paying on an account that has best switch and so I need them to move the account that should be XXXX 's from XXXX so that it will be the right money going on the right account I talk to everybody and they wo n't do it at synchrony and so I have a problem with this being able to pay my account in the money going directly to that right vendor

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 2016-02-26
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This item was unlawfully placed on my account. I have requested that this be removed as this is no fault of my own. This was a covered procedure. I had the same exact treatment on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. The procedure was paid on the XXXX XXXX and XXXX XXXX, however the XXXX XXXX was not. Upon my investigation, I discovered that XXXX had provided and submitted the incorrect procedure code. I called several times to get that changed. I was told to call XXXX. When I called XXXX, they referred me back to the doctors office at XXXX. I even had a XXXX way call with XXXX and XXXX and XXXX refused to comply. They stated I signed a waiver where I understood I would be responsible for payment if XXXX did not pay. XXXX blames XXXX and even even wrote a letter to XXXX requesting payment. XXXX denied because all they were requesting was for XXXX to resubmit the correct code. XXXX even stated the dates of treatment did not match. 
I requested an appeal with XXXX on XXXX/XXXX/XXXX and another appeal on XXXX/XXXX/XXXX. I even requested the assistance of the State Of California Department of Insurance on XXXX XXXX, XXXX. I kept getting referred back and forth and have records and dates who I spoke to until XXXX stated they no longer can discuss my issue with me as they forwarded it to collections.

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 2017-02-13
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Progressive Management -- Acct : XXXX This complaint is per your offices request I am sending you this formal complaint concerning and XXXX, XXXX, XXXX their business practices. 
These bureaus continue to report inaccurate information. I am formally remove this debt from my credit. 

In the years from XX/XX/XXXX-XX/XX/XXXX my identity was stolen. I discovered this because accounts were opened accounts in my name. I have seen where someone has continued to apply for credit in my name. 
It is possible that the thieves that committed the fraud. XX/XX/XXXX I filed a ID Theft Report copies were sent to XXXX major credit bureaus. I have sent the proper documentation to XXXX bureaus and the XXXX debt buyers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Doctors Business Bureau, the collection agency for XXXX XXXX XXXX XXXX refuses to remove a medical collection on my account despite numerous communication requesting same which included the attached verification of my identity theft. Detective XXXX with the XXXX Police Department was the XXXX that alerted me to the identity theft and a police report was filed by Detective XXXX and another police report was filed in XXXX XXXX as this is my county of residence. I have not used XXXX XXXX XXXX for a XXXX for myself nor for my minor son. This service involves someone else who may have used my identity. The collection agency will not remove the collection and continues to demand payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: States Recovery Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been a victim of identity theft. It has been documented with the necessary police report and affidavits. This company States Recovery System refuses to delete the account from my credit file according to FCRA regulations despite being provided with the documents on several occasions via fax and certified mail. I hereby request account XXXX ( originally First XXXX XXXX ) be deleted immediately and no further action taken in regards to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/16 Seneca Mortgage Servicing debited our escrow account in the amount of {$3900.00} to pay property taxes. On XXXX/XXXX/16 we refinanced and paid our loan in full. We also made a payment of our property taxes at that time. I contacted Seneca Mortgage at the time of the refinance and was told that the escrow money debited for property taxes would be refunded to us. On XXXX/XXXX/16, I contacted Seneca because we had not received the refund of the money debited from our account. I was told that Seneca could not reimburse us until the property taxes had been paid to the county and the county rejected the property taxes as a duplicate payment. I was told Seneca would submit payment to the county on XXXX/XXXX/16 and that the entire process should be completed and the money refunded to us by XX/XX/XXXX. Today is XXXX XXXX. I contacted Seneca for a status update because we still have not been refunded the money. I was told that the county did reject the money and return it to Seneca on XXXX/XXXX/16. When I asked why it has not been returned to us, I was given the run around and told that it will be a minimum of 15 more days before Seneca will issue a refund check. I have requested an expedite but Seneca is unwilling to do anything. They have been holding {$3900.00} since XXXX/XXXX/16 on a closed account despite repeated requests for reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint Mortgage Servicing Corporation services my XXXX XXXX XXXX Mortgage, and converts without my permission, my regular payment into 'principal curtailment '. This requires that I have to make an extra payment to prevent late fees from occurring because I sent in my XXXX payment ( with no add'l principal ) early. This has occurred twice in the last four or five months.

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 2016-10-25
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Refinanced my home loan with XXXX ( owned by first guaranty mortgage ) and closed on XXXX XXXX 2016. XXXX XXXX I received a letter from Round Point Mortgage servicing Corporation saying they are my new loan servicing company and to start paying them my first payment by XXXX XXXX 2016. On XXXX XXXX I received a letter from XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XXXX XXXX. 

As of XXXX both my online accounts for Round Point and XXXX show I owe a payment on XXXX XXXX. Since XXXX XXXX I have been communicating with XXXX and Round Point but no one can give me any kind of information or update as to when one of these accounts will actually close. XXXX says I should send my first payment to XXXX and do n't know why RoundPoint still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly. 

I am submitting two complaints, one for XXXX and one for Round Point Services.

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 2017-10-11
Company: Commonwealth Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX collections reported an account with the amount of {$490.00} on XXXX XXXX and XXXX XXXX of XXXX. I have never received any mail or proof of Validation nor Verification from the company before they reported this. I am requesting that they send ALL DOCUMENTATIONS THAT SHOW I HAVE A CONTRACT WITH THEIR COMPANY ( I need to see my Actual signature on these documents ) Also send me proof that they have spoken with me before reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Enhanced Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2016-09-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Letter sernt via email to XXXX XXXX today, XXXX/XXXX/2016 As a consumer and a customer of Wells Fargo Bank, I am greatly disappointed that I have to forward this issue to the Chief Executive Officer of a major cooperation for the correction of a {$400.00} deposit. To many in your organization that may not be a lot of money, but as a retiree it is important to me. 

On XXXX XXXX, 2016 I submitted a check in the amount of {$400.00} to be deposited in the account referenced above at the XXXX XXXX Bank in XXXX Texas. However, I am being told that the image reader interpreted it as {$200.00}. I noticed the discrepancy on XXXX XXXX and called the bank. I spoke with XXXX XXXX who identified the discrepancy and assured me she was submitting the information for correction. XXXX XXXX also stated it would be corrected in a matter of 4 days. Well here we are on XXXX XXXX and it remains unresolved. 

I personally returned to the bank on XXXX XXXX and spoke with the Assistant to XXXX XXXX who stated he would follow-up if XXXX XXXX did not. I made XXXX subsequent telephone calls and again, I was told by XXXX XXXX it would be resolved by XXXX XXXX. I called again on the XXXX to state it had not been. No one has called me back. 

Yet, I can make an online transfer on the XXXX of XXXX from XXXX of my accounts to another and Wells Fargo processes it on the XXXX, and charges me over-draft fees. 

My expectations of responsiveness by Wells Fargo is quite low. So hopefully to ensure a timely response and resolution I am also sending this to the Consumer Financial Protection Bureau. I have been a customer with the bank for many years, going through several sells. I have multiple accounts with this bank. My loyalty and support appears not to be worthy of good customer service. In addition, community outreach needs improvement as well.

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 2015-04-22
Company: ERC
State: TX
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:
on my XXXX credit report.i have disputed collection charge its my son they want investigate my dispute. so, i call both company and they tell me its my son account they keep leaving it on my credit report its under his social number they want take it off.and their is a creditor, i pay every month this on and they have no data for XXXX months or more they are not treating me fairly its like they can do whatever they want they in charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm " XXXX XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureau to confirm this records ( 1 ). ( A ). I'm confident the contested records is settled. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$44.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: ERC
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:
I opened an account with XXXX a few years ago. I then closed my account within the 14 day grace period and was informed I would not be charged. Many months later I decided to start working on my credit and noticed that I had debt in collections from XXXX collection agencies for XXXX. After finding it impossible to remove it through calling customer service on every end and no one seaming to have an answer, I just paid the debt and moved on. Now over a year later, I am once again being charged for the same " debt ''. As I have already paid over {$500.00} for a debt that was incorrectly charged to me, I decided to once again fight the charges. I have now been sent in phone call circles by all parties involved and am continuously hung up on, told they do not have records showing said information, and am told to call this company or go into the store or call the agency where I am then sent right back to the person who told me otherwise. Debt collectors involved are XXXX ( new debt account ) and Enhanced Resource Centers ( which is identified under abbreviation ENHANCEDRE and ENHANCRCVRCO ).

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 2016-08-21
Company: ERC
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from ENHANCED RECOVERY CO. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CO. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CO. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CO. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2015-08-12
Company: Western Portfolio Assets
State: OH
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:
I received a phone call today from XXXX and XXXX claiming that if I did not pay {$900.00} within an hour that papers would be served. I contacted the original creditor, XXXX Bank who provided me with information on where the account was sold. This account was sold to XXXX XXXX XXXX who then sold it to XXXX XXXX who then sold it to XXXX for {$240.00} who then sold it to XXXX XXXX for {$240.00} who sold it to XXXX XXXX on XXXX/XXXX/2015 which was yesterday. XXXX claimed to have sold it to Western Portfolio Assets the same day. Western Portfolio Assets claimed their sister office, XXXX XXXX XXXX has the account. When I spoke to them and asked for a validation document from the original creditor they stated they do not have to since they now own the debt. 
How does the said debt go from {$240.00} to {$900.00}? This company who according to the Chain of Title just received ownership of the debt yesterday and has claimed to sent letters to my address over 30 days ago. I have never received a letter from this company or any company regarding this debt. They are threatening to take me to court if I do not pay the {$900.00} or an agreed upon amount within the hour. This debt is not on any XXXX of my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-08-07
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I signed up for electronic statements but do not get them ... I do n't believe interest is being applied to my account correctly. I pay the loan using different bank accounts and sometimes the funds are pulled from the wrong account. My contract does not state how principal interest and fees are applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH Mortgage charged us via escrow account a monthly amount for unneeded forced place insurance. Upon review of the documents provided by the previous lender, it clearly shows that notification for insurance declaration pages did not arrive to us and instead were returned undeliverable to the lender. Had we known that those pages were required we would have sent them immediately. We have now provided PHH documents that prove that we did indeed have our own insurance during the period in question, but they still refuse to refund us our money. I am requesting to escalate this right away as this misunderstanding was not our fault but PHH fault for not reviewing documents when they bought this loan from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
THIS IS NOT A DUPLICATE : XXXX accounts were closed by Chase Bank and the reason given was basically " because we can and we feel like it ''. However, to date only the money in XXXX account has been returned in the amount of {$61.00}. The money in the other account has not been returned in the amount of {$270.00}. Further there were XXXX {$12.00} charges totalling {$48.00} assessed to the account even though the deposit items in question were the fault of XXXX, who made good on the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
chase bank closed my account. there was a deposit made for {$2000.00} and I was told that the money was in when I called them on the XXXX of XXXX. I checked my account again on the XXXX o XXXX and again was told that the money was there so I paid out {$1800.00} and went on line and it showed that the money was taken out and I still had a balance left. That night I called to order checks and was told at that time that they closed my account because that {$2000.00} was put on hold and therefor I was in the hole. It was almost XXXX days after the deposit was made. I then called and made arrangements to make payments to pay them back. My retirement check was sent to them by XXXX and the person at chase that I contacted told me that since I had made arrangements to make payments they would send me the check in the mail. I called them again today and said that they kept the check and would not be sending it back to me. I do n't believe it is right for someone to tell me that and then the bank goes back on their word. They knew I needed the check so I could pay rent and get some groceries. That leaves me with no money and no food. I hope you can get them to keep their word. thank you ... .XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
Chase Bank Credit offered me a 0 % promotional rate on a balance transfer. They then proceeded to charge me an annual fee in between my billing cycle so that the charge was treated as a " regular purchase ''. I paid the annual fee but could not have the interest charge removed. this charge will linger on my account for 2 months until it is paid and there is nothing I can do as the company will not reverse the interest charge.

Company response to consumer: Closed with explanation