BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Midland Funding placed a judgement on my credit report for a credit card debt that had nothing to do with them. I owed XXXX XXXX and apparently they purchased the debt and proceeded to harass me. I have a medical condition with proof and I told this company about this issue. This debt is since XX/XX/XXXX/XX/XX/XXXX and they are still harassing me to pay way more than I owe. I never received a summons but when I checked my credit report, there is a judgment placed. I called Midland Funding and asked them about it. they stated that they did not put this on my credit. Can you contact this company to find out why I have a judgement on my credit report and I am being hindered from getting medical attention because of this. I appreciate you investigating if this is legal for an unsecured credit card and the debt is so old. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
This is actually a follow-up to a CFPB claim with reference number XXXX. I was n't able to respond to it online, so I 'm filing a separate claim. Please, read it in its entirety before sending me a template response, thank you. I 'll let you look up the specifics of the original complaint, so let me address your response letter I just got in the mail. 
In the letter you are telling me that my XXXX points were not available at the time of conversion. 
This is incorrect because they were available for redemption or mileage transfers, so how could they be simultaneously pending? I 'm attaching a screenshot that shows XXXX were EARNED. That 's similar to saying that a person is still pregnant after giving birth. 
The bonus is listed in " earned '' category, nothing pending about that. When I logged in prior to this debacle, my account showed XXXX points and underneath of it it clearly said " available. '' You ca n't have points available and pending at the same time. It 's a contradiction. 
You are also telling me that the CSR was referring to my earned points, not the bonus, since unbeknownst to me and I 'm guessing him too, the bonus points were under review. This is ridiculous on so many levels. Surely, any well-trained CSR would mention to the customer a " small '' issue of losing XXXX points if they go ahead with the conversion. Are you telling me it 's a conspiracy and you wanted me to lose the points? 
By that logic, the clawback should be in " pending '' status as well, and you should let me upgrade back to Platinum product. It 's only fair. 
I will be more than happy if you convert XXXX card back to Platinum and charge me the annual fee again as long as my XXXX points get reinstated. If you fail to do so, I plan on filing a small claim to seek damages. Be aware, I plan on demanding compensation for my time as well. I 'm also thinking about pursuing arbitration. Make no mistake about it, I 'm not planning to let this issue drop. I 'm hoping you can reinstate the points, so we can move on from this ordeal. It 's up to you now to resolve this issue without going to court. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Mercedes Benz Financial Services
State: IL
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:
The inquiries and auto lease reporting to my credit report is fraudulent activity. Please forward me any documentation providing proof I applied for credit. If you can not provide proof of documentation please remove these inquiries from my report. I have not and did not authorize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: ENCORE CAPITAL GROUP 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:
I am called at least 8 times a day every day by XXXX. This number is associated with Midland Credit. They do not leave a message. If this is about debt collection, it is not mine. I have never had bad debt. Stop calling! It is harrassment. Ca n't block number because I use XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSWORLD SYSTEMS INC
State: KS
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: Problem with personal statement of dispute

Complaint:
I have submitted numerous disputes through the credit bureaus and a complaint through this organization. The resolution was that I paid the sum instead of the insurance company as I alleged. I provided supporting documents of the insurance check reimbursing me back. I provided a letter form the insurance company taking responsibility for their error. Insurance claim is XXXX. 

PLEASE READ THE SUPPORTING DOCUMENTS. 

This is delaying our mortgage loan application!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
because I have no bank account, I purchased an American express gift card to pay some bills with. I was not able to use my balance of {$320.00} on any of my bills, XXXX I contacted the gift card service center in XXXX on XXXX separate occasions, and spoke with XXXX separate floor supervisors and was repeatedly told that there was nothing wrong with my card. I repeatedly tried to use it online, on phone, and directly speaking with my creditors with no success. XXXX floor supervisor, XXXX XXXX XXXX, at XXXX customer service advised that it is not meant to be used to pay bills. I told them it should be able to be used just like a credit card for any reason. After not being able to get customer service to help me in any way I asked fpr a refund and was told that it would take 20 business days for a refund. It sure seems like a scam to me. I spent good cash money and now am out {$320.00} for at least a month. This is not a responsible business practice, and not fair to the individual. Please help me to resolve this absurd practice. I never have similar problems with other major gift cards XXXX. I just want to be fairly treated, and hope you can help me, and others like me. 
Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-18
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In early XXXX ( when I was preparing to purchase a home ) I discovered there was a XXXX Bank Credit card reporting to my credit as delinquent. I 've never had a XXXX Bank Credit Card. I hired an advocate to help me to dispute the account on my credit as fraudulent. They showed the account was opened in XXXX, citing an old address in XXXX, XXXX, as the location the applicant had used to apply for the XXXX credit card. In XXXX, I resided in XXXX ( I was XXXX, XXXX, and have papers to support this ) so I used an address in XXXX for all services. My advocate challenged XXXX Bank to provide us proof in the form of the original application with a signature on it. XXXX Bank did not respond until XX/XX/XXXX ( dispute was filed in XX/XX/XXXX, so more than 90 days had elapsed ) to tell me that they 've assigned the account to Midland Funding Collection Agency. They 've still not provided me with proof that the debt is mine. All three credit bureaus now show Midland funding attempting to collect for the credit one account as well. I 've informed Midland funding that I feel the original credit card they 're trying to collect on is fraudulent, but they have not responded other than to send me collection letters trying to get me to pay on the account. Credit bureaus have been no help - they merely notate the accounts as " in dispute '' and claim it was resolved, but it was not. I still have n't received a signed application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This company said they are a company that works for the CFPB. And when making arrangements to pay a debt, they are bound by laws to not make any false statements of any kind. 
What they did : 1. They told me and documented false statements of the amount of debt I owed. 
2. The company 's office at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ) went out of business with no forwarding address after all the debt was paid. 
3. They continue to have broken many fair credit laws and should have a criminal investigation done regarding their business practices. 
4. There license should be revoked due to this illegal practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have set up to an automatic check by phone with my mortgage lender TD bank. I have attempted to have this drafted on XX/XX/XXXX, they have lost the paperwork once, and after submitting again, still have n't corrected it. when i call, they say they it was n't drafted because its not due until XX/XX/XXXX, and I 'm paying early. i then explain I 'm paying early so it wont be late, they keep giving me the run around. I have spent hours on the phone with TD bank and cant anything accomplished, phone calls are never returned. Before I started this process, I found out they had mis-applied a payment, and were showing my account in delinquent status, because they posted one of my payments to principal instead of as a payment. I 'm not sure if my account was fixed correctly, since it happened 6 months ago before I caught it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I have had my American Express card for a very long time. XXXX XXXX I was on vacation American Express XXXX gave me extra credit that I would pay in XXXX XXXX. I was told by that agent my payment would go to current purchases not pay overtime. long story short my payments went to my payoff time balance and I got hit with huge payments {$13000.00} and next one {$8500.00} I have been dealing with The American Express office in XXXX and every agent there keeps lying to me and I 'm tired of it. I ended up being 30 days late they are asking for another {$9000.00} so they do n't report me again and the following month another {$7500.00} because they took off my payover time feature because I was 30 days late. They are sending me into financial hardship and I was never notified about this change and they charged me fees on the pay over time money too which changed APR. I know there are laws to protect consumers against credit card bullies please help me I do n't want them to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Moved into an apartment XXXX week of XXXX 2015. There were numerous repair requests and unknown pests. After no results, I filed rent escrow XXXX 2015 but the management attorney promptly cancelled the hearing and filed a form to release the rent my door was tagged daily with Notice to Move and notes that the contractors would be in the apartment to clean and rerent. 
I could not afford to move so soon and was in a lease so i emailed to stay and pay XXXX rent. I received an email that " they are not accepting any more rent from me. '' So to keep the contractors at bay and to prevent my belongings from being discarded while i was at work i began leaving notes on my door that i still lived there and do not enter. 
I obtained moving and storage quotes from XXXX and emailed these quotes to the office in hopes that they would n't discard my belongings as they threatend. 
I was able to find an apartment and a moving company XXXX XXXX, cleaned the apartment and took pictures and I promptly emailed the company my forwarding address and after a few months I assumed the apartment management kept my deposit and i had a zero balance. 
7 months later i get a {$950.00} bill from a collection company stating that i owed XXXX for past rent and utilites, administration charges and other nonsense. They have listed that i owe for XXXX rent and late rent fee ( which was paid on time and they retrieved from XXXX XXXX XXXX XXXX. 
Also they have listed i owe XXXX rent which they refused to accept from me on XXXX XXXX. ) They are billing me for billing me for electric and water, and I have been requesting copies of these bills for over 2 months. 
I have emailed and made several calls to FABCO, the collection company. I am requesting copies of these utilities because i was responsible for my own utilites and they did not supply or bill for electricity. 
I had my own electric service XXXX which i transferred to my new apartment. The water was paid monthly and was approx. {$20.00} a month. 

I assumed my deposit was used for the 6 days i was there as i dropped the keys off on XXXX XXXX. 

It is a shame that an apartment complex can treat someone so horribly because they expected apartment repairs. The daily posting of Notices that contractors would be doing a cleanout of my apartment and tagging my door with eviction notices and threats that 's contractors would be in the apartment cleaning it out were especially cruel since i still lived there and was not behind in rent.

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 2015-10-07
Company: Bursey & Associates, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a judgement from a law firm of Bursey + Associates based out of XXXX, AZ, numerous time they have violated collection practices in collecting a debt. The most recent which is prompting this complaint is they were sent a payment in full letter, dated XXXX/XXXX/2015 and sent certified on XXXX/XXXX/2015. I find out today they do not have the copy of that letter nor are they sure were it is as it is not in my file. However I have proof they received this letter as well as the letter was sent to the company that sued me of XXXX XXXX XXXX, and to my payroll department. The letter stated the debt had been paid in full by my records, and as such they were not to communicate any more to me other they to state the debt was paid in full. They are trying to blame my payroll department for not calling them, and that it happens all the time, so instead of owning up the matter they are blaming another party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection Agency call Mandarich Law whom I have no business garnishing my check. I called the original creditors and they said my case is closed and have no information on me on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: ROYAL UNITED MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We started the process of a refinance with cash out on XXXX. We were told that royal united mortgage could close the loan in 7-10 day. XXXX XXXX said he was confident that we would close close to XXXX. Since that time I have been met with false promises and excuses as to why we have to push the closing back a few days. I 've had to fax them the XXXX XXXX times! After the XXXX time, I ended up going to the local IRS building to obtain the transcripts myself. Every day we were held up on some form that I had already faxed them. Every week on Monday, we were told we 'd close by friday ... Now 7-10 days has turned into almost 45 days. The customer service was stellar to begin with .... now as my frustration grows we 're being treated to annoyance and disdain. It seems like they were great until we were committed to this loan. Now I ca n't even get a straight anewer on if we 're closing with an attorney, a title company, or a notary. I just keep hearing, " no worries, we have companies that we work with regularly ''. This is just all around BAD BUSINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Financial Credit Service, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The company called ARA Prelitigation Firm contacted me from a private number and said that I was listed as a point of contact for an individual who has XXXX pending check fraud alegations against them. They are going to verify my residence and my place of employment so that documents can be delivered to me accordingly. If I am just a point of contact what kind of documents am I responsible to receive? They are trying to collect non existing debts from easily convinced individuals who will fall for their scare tactics ... I am not one of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
Hi, I have had a credit card with Citi since 2000. Never been late with Citi or ANY credit card company, mortgage, auto or any kind of creditor all my life. Unknown to me, my credit card statement was switched to paperless. As I always off my cards all the time, is I do n't get a statement I do n't know what is due. My credit card with Citi had {$0.00} balance. Auto payment of {$24.00} was charged to my card and since I did n't get a statement I did not know about any charges to my Citi card. When 30 day has passed, Citi reported 30 days late. This was unacceptable because I have not had any late payment on all my credit cards. I called to complain about this issue to Citi and they switch the statement to regular but are refusing to help to clear the 30 day reporting from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25
Company: Cohn, Goldberg & Deutsch,LLC
State: MD
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 took out XXXX personal loans on XXXX separate occasions from XXXX XXXX XXXX : ( 1 ) {$2000.00} and ( 2 ) {$6000.00}. I have already paid over {$14000.00} for both. I stopped paying for the last loan since I was told I had paid it off, but still owed {$4600.00}. The law firm to whom my outstanding debt was sent, Cohn, Goldberg & Deutsch said they may sue me for an additional {$4600.00}. Can you help with this excessive usury? Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Westcreek Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018 i entered a store and apply to buy two twin beds to be finance. I was informed that i would have three months 0 % interest if i applied and qualify. The application fee was XXXX i got approved and decided to finance the beds. Which total {$560.00} including taxes. 
I signed up for automatic debit from my account for XXXX every month which they always took from my bank account with no problem. 
They told me about the interest i was going to pay if I didnt pay it in the 3 month period which was fine I totally understand and didnt mind paying interest in what i thought was owed which it was {$250.00} after the 3 payments that were automatically withdrawn from my account. Little did i know AND WAS NOT informed that i was going to be charged a 100 % FEE ( or more ) of whatever amount was due and other FEES that were not disclosed as soon as the 90 day PERIOD arrived. So when the 90 day was up my total balance was XXXX When i log in to check my account i see that the total balance due was XXXX which i didnt understand. 

I called West Creek Financial asking why is so much and thats when i was informed of so many fees which i was not aware and supposedly they gave me a discount if i paid the balance in full that same day of XX/XX/XXXX XXXX TOTAL PAID THAT DAY {$890.00} totally deceptive. Total scam. From a purchase that was supposed to be {$560.00} including taxes i ended up paying {$1200.00} with fees that i wasnt aware of. On top of everything else the bed has broken two times first time they came to fix it but didnt replace any parts. Now is broken again and i have to buy a new one because i know they will try to fix it again when in reality it needs to be completely replaced as i was told, i have one year warranty but they wont replaced it just fix it. This is a total ripoff towards people that work hard to earn every penny.

Company response to consumer: Closed with explanation