BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a bank account with HSBC for a {$350.00} welcome bonus in XX/XX/2016. The promotion required that I use HSBC 's bill pay service twice a month for three consecutive months and maintain a minimum balance of {$1500.00} throughout. Upon completion of these terms, the bonus was to be deposited " 4-8 weeks '' after. 

I completed two bill pays each in XXXX, XXXX, and XXXX. At most, 8 weeks later should have been at the end of XXXX. By XXXX, no bonus had appeared. I have called on a weekly basis since early XXXX and each time a customer service representative assures me they are " opening an investigation with the back office. '' I have supossedly now opened 5 of these investigations but not a single customer service representative has contacted me with a resolution. Furthermore, each time I call for an update, no record exists of any previous contact and I am read the same script each time. I have asked to speak to supervisors and the back office directly but I am refused each time. Essentially HSBC is giving me the run around with no way to escalate or speak with anyone in a position of authority. 

I have documentation outlining the promotion and proof of having used the bill pay service. Furthermore, I recorded a secure chat conversation with HSBC where the representative confirmed I had met the conditions for the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received call looking for relative who I assume owes the debt. As I am not responsible or otherwise connected to said debt, I would prefer not to be involved with its collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention that Equifax is reporting unlawful things on my consumer report. This unlawful reporting is negatively impacting my credit score and ruining my reputation. Equifax is reporting my credit balances from XXXX XXXX  and XXXX XXXX. Leaving these balances on my report is a violation of the FCRA. I made Equifax aware of this issue on XX/XX/2022 by sending them a letter via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company XXXX has been paid in full for an old credit card debt and now the company is trying to collect on the debt a XXXX time by hiring a different  agency to collect on the debt.   I have my court documents showing the judgement was dismissed due to payment in full.  I also have my letter from the first company hired that states the debt was paid in XX/XX/2014. After pulling my credit report, I discovered XXXX has now hired Cavalry Portfolio Services to collect on the same debt and reported false information to the credit bureaus indicating I have not paid the debt. I have to add that the firm I paid did notify XXXX months ago about the debt being paid in full,  but yet XXXX hired another company to collect on the debt a XXXX time.  This if fraudulent and goes against the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I asked XXXX XXXX XXXX to cease and desist calling me at work ( only work not my cell which he calls multiple times a day ). XXXX XXXX informed me that he would not stop calling me and would be proceeding with legal action. 

XXXX XXXX explicatedly stated he was trying to collect a debt and was in debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Over the past few months Chase has sent me letters about ways to contact them to discuss my mortgage. I have tried calling the phone numbers they provide on their letters only to dial the extension they provide and have the call automatically hang up. When a rep does answer the phone, they say they have no record of the letter. That is what happened today when I called regarding the letter dated XXXX/XXXX/15. I also tried again to call the number and extension on the letter dated XXXX/XXXX/15 only to get a recording that the extension is not valid and the call automatically disconnected. My complaint is that Chase is sending me letters with false contact information and this is an unfair business practice. Chase and other banks should not be allowed to send their customers with false and misleading information on their letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owned a house in XXXX, XXXX while in the military. I XXXX XXXX and moved to XXXX, XXXX. I did not close on the sale of the house I owned until XXXX XXXX, 2016, I received my final bill from XXXX water and sewer and paid the remaining balance in a timely manner. I did not receive my final bill from from XXXX XXXX, it is now showing on my credit report and, from what I am told, will not be removed from my credit report for 7 years. I am not disputing that I owe the amount that was disclosed. I want to dispute the fact that I was not made aware of the debt owed in a timely manner for me to satisfy it. I was not made aware of the debt until I applied for a home loan. Again, I take responsibility for the amount owed, but I was not given adequate time to satisfy it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft and have provided XXXX and XXXX with 2 separate police reports indicating credit card fraud and burglarized vehicle which my personal information ( social ) ( ID card ) was stolen and sold to person ( s ). In addition the second police report  indicates a person scanning my information somehow and duplicated credit cards. I submitted the police reports from XX/XX/XXXX and XX/XX/XXXX in writing and also fax to XXXX and uploaded to the XXXX   website. I also contacted the original creditor. My Nordstrom card I did open this account however there was over XXXX unauthorized charges and this account is reporting inaccurate and negative on my credit report. XXXX XXXX card I never opened and I also have sent them proof. I also disputed this last year in XXXX when I first found out of these accounts due to a person was caught with my ID and other IDs. I been dealing with identity theft since XXXX. Im asking for these accounts to be removed from my credit report. 

Nordstrom sent me statements to provide the the items that were theft however I sent a letter advised them to remove the item due to the inaccuracies reporting of this account that is hurting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Security Credit Services, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
kmart had a program to lease at there store I leased a tv total cost XXXX if I was to purchase it on the lease you had to pay at least the price of the tv in which I did and then I called them to come pick up the tv I no longer wanted it the said they could not pick it up but they had a recovery team that did that I said fine but I did not want any more payments made they said they would take care of that and they did months went by and they still had not pick up the tv and then they called one day and ask if was willing to pay a discount price to keep the tv I said no I already paid more than it was worth they made XXXX more offer that I refused never heard any more and know they have put me in collection for XXXX iam in process of rebuilding my credit so you know what this to my score by the way they to this day have not pickup the tv it is sittingin my garage they have place there claim with a company called XXXX XXXX l hope you can help me when you file a complaint with credit bureau they come back and say we check and they say you owe the bill thank you

Company response to consumer: Closed
Consumer complaint received 2015-11-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved from my apartment XXXX in XXXX of 2013. I received the itemized statement of amount due ( attached ) totaling {$980.00}. 

Just 24 months later, IQ Data is attempting to collect {$5500.00} on this debt. An increase of over 500 % of the amount I owed. This is blatant manipulation of debt to collect much more money than is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I recently acquired a credit card from a local furniture store that was serviced by Synchrony Financial. Synchrony Financial has since conducted questionable business practices that has unlawfully imposed late fees on my credit card account, denied that I ever had auto-pay set-up ( which caused the late fees to be charged to my account ), fees are still on my account even after calling and asking for the fees to be removed, the phone representative managers assured me that the fees will be removed but say it will be impossible to provide me physical proof ( paper statement ) before my next bill is due ; which makes me thinking there trying to get me to wait until the next statement to charge me double for the fee that they never removed. Additionally, I feel that I am being treated differently because of my last name ; which is of XXXX heritage.

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 2017-03-27
Company: Account Control Technology, Inc.
State: NC
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I 'm XXXX year old XXXX female with the only source of income is my dead ex-husband social security check. I did n't received Any information related to the Account Control Technology Inc. 
was in Florida for 3 month. I has a death in the family. When I received the information the {$300.00} was already being taking from my social security. I made a call to US Treasury but I could not change the amount. I can pay something or work @ a federal or government for free to help pay off this dept. as an off set. ACT Were taking {$300.00} of my money out of the social security check. 
The Principal balance {$13000.00} {$2600.00} is interest. To pay {$3900.00} for a collection agent is horrible. It is almost like the Gov, is being a crook. I ca n't afford this {$300.00} payment. Nonetheless. How can US Treasury allow a collection agent to take From my social Security. I will have drop my XXXX which I pay {$110.00} to afford Rent, Utilities, Food, and Transportation. 
XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Sallie Mae will not release any of my loan information to me, I have callled numerous times requesting to speak with someone and to have my loan information sent to me. No one from there office is compliant I keep getting connected to a XXXX and XXXX who states it is n't his job to resend my information. I have also told and sent them information about my bankruptcy And still nothing is being done.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card
Issue: Late fee

Complaint:
Credit card statement with due date of XXXX showed purchase made XXXX in the amount of {$33.00}. I returned some items XXXX XXXX and made a payment of the amount which was still due on XXXX XXXX 
The problem is that next month, First Bank charged me a late fee of {$25.00} and minimum interest charge of {$1.00} in spite of the fact that there was no past due obligation. When I called First Bank, I was told that the credit for my return did not actually remove my obligation for payment - that their computer system would not deduct returns from the current billing cycle. 
First Bank removed the " late '' fees when I called, but warned me that I was in danger of ruining my credit score unless I was " very '' careful. I resent that. I was told that I should have sent payment in full even though I had returned the item. I could not argue that this might be necessary if the return was made in another billing cycle, but it does n't make sense when the entire transaction takes place within the same billing cycle.. Once the store accepts the return and processes my credit, I should no longer have an obligation. 
I am making this compliant about First Bank because I feel that this policy is unfair to consumers, and sneaky. They hope to get use of money which has been credited back to me, and in addition, they try to impose fees which are patently ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-14
Company: Kingston Financial, LLC
State: OK
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I was contacted by a debt collector for an online payday loan they claim was made. Somehow, they had all my personal information, and demanded I pay them XXXX dollars immediately. The account they claim was put down as the pay-out to re-receive their funds was closed three-five years before they claim this payday loan was made. They also claim it was by an address that I had n't lived at for several years.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-01
Company: Solidus Group LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
1. XXXX XXXX working on behalf of XXXX XXXX XXXX XXXX I received a voicemail that stated that this company was looking for me. A complaint against me has been filed and paperwork is being sent to my local county clerk 's office. I called the number back to see what this was about and was informed that I took out a Payday loan in 2011 with XXXX and because I used a check- Charges were being filed against me for theft by check and deception of bank. I informed that I had no idea what they were talking about and that I do not remember taking out an online payday loan. They stated that they had all of my paper- they read off a lot of my personal information to me and said that they have all they need to get me arrested. I told them I have no idea what they are referring to and that I would need to see copies of the documents that they had on me before proceeding any further because I did not take out any loans. I also asked if I could have their physical address and the lender they are working with to verify the information they are saying. The lady called me a fraud at least 5x 's and said that I am trying to steal money and I would be going to jail soon for fraud. I told her - I had no idea what they were talking about and that until I get paperwork - There is nothing I can do. She said that they will file the paperwork by the end of the week and I will be picked up on my job. She hung up on me - I called back and was hung up on by multiple people. They have called my job and family members and said that I am in legal trouble.

Company response to consumer: Untimely response
Consumer complaint received 2015-11-30
Company: Focus Holding Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Focus Receivable Management continues to call our home saying they are a debt collector and we must call them. We do not have any outstanding delinquent debt. I have checked their website and this company appears to be fraudulent. They call us every day. Please do something to make them stop calling innocent people. I 'm sure by the reviews I read that they have used scare tactics and should be reprimanded for their actions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Ocwen Financial Corporation
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
One three separate occasions since XXXX XX/XX/XXXX I have had to contact Ocwen Loan Servicing so they could update my Date of Last Activity from XXXX XX/XX/XXXX ( incorrect date they keep reporting ) to XXXX XX/XX/XXXX ( correct date ). On all three occasions they have made the change, it has reflected properly on my XXXX ( no other has the account on their files ) to than five days later go back to showing the wrong date. we are now on the fourth time this same thing has occurred. Ocwen needs to be punished for doing this to a consumer. I have been denied credit, been unable to buy a car and most important refinance my house all because they are incompetent. I have been trying for 9 months to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: WELLS FARGO & COMPANY
State: NC
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:
On XX/XX/XXXX XXXX XXXX and my ex spouse used all my personal information to open a credit card through Wells Fargo for {$12000.00} until XX/XX/XXXX. 
I have been asking for copies of the all the transactions since XX/XX/XXXX. I finally received a copy of the application and it clearly showed it was not my signature, I was supposed to receive all transactions by XX/XX/XXXX. Instead, I received a letter stating that we would not comply and their decision remains the same. 
Both XXXX and XXXX sided with mw months ago and removed it. 
I am under high alert for aggravated theft and fraud and much more. 

XXXX XXXX. 
Executive Case Specialist refuses to send it to me for review. This makes no sense as I am trying to get my identity back and all the money stolen from Wells Fargo. 

Her number is XXXX ext 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 2017-04-06
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I made a settlement agreement with Midland Funding. I made all payments per the settlement agreement except for about the last seven when Midland stopped depositing my payments. 

Per the letter I have attached, even though Midland Funding stated that they would deposit my post-dated check on XX/XX/2016, they did not. Furthermore, they did not return my calls when I specifically left over a dozen messages for them to call me so that I could pay them. Even after they sent me a Notice of Default, also attached, and I specifically called the number they stated and left a message, I did not receive a return call. The only time I was contacted was in later months when their new attorneys, XXXX, called, telling me that I now had to pay the full balance rather than the settlement balance. They told me that they would not recognize the settlement I had previously made with the old attorneys and that I would have to pay over three times the settlement amount. 

XXXX then went to court and got a judgment against me. I was not given the opportunity to go to court to defend myself. I only received the " Notice of Entry and Docketing of Judgment '' ( please also see attached ). 

I do not believe this is right or legal. I do not believe that a company can agree to a settlement, stop taking payments, and then go back to the court to get the full amount. I believe they have to abide by the settlement agreement they made. 

P.S. I had worked well with the old attorneys and had less than seven payments left before everything would have been paid off. Additionally, the old attorneys had said that they would take offers to further reduce my total amount due if I were willing to make one last larger payment. I was all set to make an offer when this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/2017 I was approved by Comenity Capitol Bank for an initial credit line of {$1700.00}. with PayPal Credit which included no interest or payments for six months. I have made XXXX transaction on this account, but am know being block by PayPal security. I have contacted them more than four times which they have continued to be unresponsive to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XX/XX/XXXX I refinanced my home and paid off the primary and secondary mortgage with GMAC. When I went to apply for a line of credit at the beginning of XX/XX/XXXX the title report showed the second mortgage was not paid off. I have worked with the original title company XXXX XXXX, Ocwen, and sent the information to Office of the Consumer Ombudsman and still have not received a resolution. As you can see from the attached documents the loan was paid off and GMAC should have sent a " Satisfaction of Release '' like they did on the primary loan. I would truly appreciate any assistance you can provide.

Company response to consumer: Closed with explanation