BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-28
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with XXXX in 2005, The card was paid in full and closed. I owed no money in the credit card before I closed it yet MIDLAND FUNDING LLC has this account in collection with the full credit amount / total that was paid off. MIDLAND FUNDING is egregiously Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices by reporting on my credit report an account that was fully paid for before closing.The same account that is being reflected by the original creditor ( XXXX ) on my credit report as paid in full and balance as XXXX, Mid land funding a collection agency is reporting as i own a balance of XXXX. The credit limit on that account was XXXX and was paid off even before exceeding the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Midland Corp keeps calling my brother 's home and sharing my information with him and who ever answer 's the phone, this happens numerous times and is not right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have already paid this debt. The MCM account number is XXXX. The original creditor is XXXX and the original account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
EXPERIAN Complaint dated XXXX XXXX, 2016 ; Experian failed to respond to XXXX XXXX XXXX ( XXXX ) reporting FRAUD on my credit reports. Similar complaints sent to XXXX and XXXX. Both Equifax and XXXX have removed XXXX from my credit reports. 
My experience with Experian has been total abuse and refusal to investigate my complaints. And/or to reinvestigate. In that both XXXX and XXXX have taken action on reinvestigations, obviously Experian fails to see the logic of the FRAUDULENT reporting. 
XXXX has been approached and also refuses to correct or remove my report.

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 2017-04-05
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have contacted Navient trying to lower my payment for my student XXXX student loans. I have suggested a payment of XXXX dollar monthly because at this time that is all I can afford. Navient then proceeded to tell me that they declined the request because not only do they not accept international schooling but they also wo n't because I have run short of deferment time. I am really trying to settle this loan because I am about to graduate in a year. They then proceeded to threaten me with sending my account to collection as well as sueing my grandmothers and putting a lien on their homes. I feel that the way that they are responding to me and not willing to assist me is byfar not the proper business ethic and value that American business culture embodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Southwest Credit Systems, L.P.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company mailed me charges from another company who claims I owe an alleged debt that I do not. I do not have a contract or any legal binding documents with this company in which I asked for and they have not provided. I am not paying for something I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This complaint is more of a good faith issue to remove harmful derogatory from my credit file. I have repeatedly as the collection agency to remove the harmful because the debt has been paid. I then called them and asked for the removal. The company was so negative and refused to help. This would help with the purchase of a new home if this collection agency can be removed.

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: GREAT LAKES
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XX/XX/XXXX I attended the university XXXX school on line. However to do the classes I had to get a student loan, which at that time I got approved for. Having said that I was approved for an amount that should pay for the entire cost, but it turns out not to be the case. XXXX more classes to finish the entire cost I was told that I do n't have anymore money so I will have to pay out of my pocket if I want to do the last XXXX classes. Something did n't feel right so I never get to finish my degree up to this day. Then one day I heard the school is under investigation, and the following day I had some one called offering me a student loan forgiveness and I will not have to pay back the loan. I did n't take the deal because I knew nothing about it or if it was a scam just so they could get my information. I was never able to make the high monthly payments they were asking for so they ended up putting me on forbearance. We are in XX/XX/XXXX and up to now each year I have to be on forbearance, because I ca n't afford the payment. I even filed for bankruptcy hoping that they will remove it, since they are under investigation but they did not an the total just keeps getting higher and higher with interest accumulated. This is now on my credit report causing lots of damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I saw on my credit report I had XXXX collection accounts. I called the Collection company to pay and they refused to allow me stating I didnt have the full account number. Due to me not having the full account number to pay, they stated they had every right to ruin my credit. This is extremely unfair as I am willing to pay and they will not allow me. 
I explained I never even received a bill, nor do I see it on my insurance information and they refuse to send me another bill thus making it more impossible to pay the 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 2016-08-04
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Nightmare happened after I made a payment of {$1300.00} on XX/XX/2016 for the full balance on my Citi XXXX Platinum Select Business account. Previous statement due dates were all on XX/XX/XXXX. Both XX/XX/XXXX and XX/XX/XXXX payments were made on time before the XXXX due date. 
In XX/XX/XXXX I started getting calls from this number XXXX to my cell phone and when I picked up I got a voice message telling me to log on to Citi.com regarding my account. I did n't do it because I had not created online access for the account but the call frequency was just too excessive so I eventually created the online access. I got at least a call on these dates : XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX, and XXXX XXXX. The call frequency was definitely excessive. 
After logging on, I found there was a charge of {$82.00} on the account. That does not make any sense since I paid XXXX already and I did n't use the card since then. So I called the number on the back of the card ( XXXX XXXX XXXX XXXX ) and got to talk to an agent after at least 2-3 attempts, each with a hold time of longer than 20 minutes. 
I asked the agent why there was a charge and I did n't get any statements. She reviewed the account and told me that because no activities on the account so no statements went out. I explained if no statements how can I make a payment, and more importantly, Citi changed the due date randomly - it was always on XX/XX/XXXX but they arbitrarily changed the Apr cycle to an earlier date so my payment on XX/XX/XXXX would be ONE day late. The agent promised to reverse everything since no statements went out and the due date was different so I should not be responsible. 
Things appeared good until I saw the same annoying number ( XXXX XXXX XXXX XXXX ) showed up on my cell phone so I logged on the account only to discover that nothing was done to the account and it was already in another billing cycle and the charge went up to {$98.00}. 
So I called the number XXXX XXXX XXXX XXXX again and was finally able to talk to an agent after at least 4 attempts each with a hold time of longer than 25 minutes. This level of service ( or lack of ) is definitely unacceptable for a platinum business card, or any other credit cards. 
After explaining everything again to a few agents and then finally to the escalation unit, I was told I still need to pay {$12.00}. I spent over an hour on this call already. The agent was apologetic but said she can not reverse everything. I told her it was a bank error. She said she can not do anything. I told her OK I spent hours on this already and the minimum wage that I can make exceed the amount they are asking despite it was error on their side but I do n't want to waste any of my time.

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: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We have been long-time customers of Chase Bank in XXXX, CA, who holds our mortgage, checking, savings, safety deposit accounts. We are even rated as a " Chase XXXX ''. For the last 7 years, we have been denied to refinance our property because they said we are not eligible because we did not live in our house. Not sure why this is a reason since it is our residence and we pay property taxes on it. So we have been paying a high mortgage rate of 6.35 %. Nevertheless, when we move back to XXXX in XX/XX/2016, we immediately went to Chase to refinance ( XXXX, mortgage broker ). They said it would take no more than 90 days and lock us in at a rate of 3.25 %. We provided an excessive about of financial and tax information and we are now going on over 8 months that the refinancing has NOT been approved. By the way, we have enough money in the bank to pay off the loan so the excessive requests about our personal finances seems unnecessary. We feel the bank does not want to refinance us since they would loss money. We believe this is unethical and unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: TSG Collections, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been sent to collections over a 4 year old anesthesiologist 's invoice ( Today is the 4-year anniversary of my XXXX ) that I knew nothing about until I received 1 invoice last XXXX XXXX. I promptly called them but never received a call back or received any more communication ( notes attached ) ; now I just received a collection notice on XXXX/XXXX/XXXX almost 4 years to the day! The original invoice was for anesthesia during my 41 MINUTE colonoscopy. my insurance paid {$2100.00} + {$150.00} for XXXX. My son 's anesthesiologist bill for his 4 HOUR XXXX was less than this. This ca n't be legal to bill ONCE so LATE, not return calls, then collections. ( and overcharging to say the least ). I finally got them to answer the other day after 5 calls and they said it was out of their control. I called the XXXX XXXX XXXX where the procedure was done, and they said they have many other people who have called them and told them that XXXX/Dr. XXXX did the same to them! This can not be legal and it is not the correct way to communicate with customers or do business! ( XXXX/Dr XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Acct # XXXX, ( XXXX ) XXXX. Date of Service XXXX/XXXX/XXXX. TSG Collections XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ 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 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/XXXX, I pulled a copy of my credit report from TransUnion. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to TransUnion disputing said alleged account and asked for validation. 

TransUnion failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to TransUnion requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has TransUnion marked my credit report as being " disputed '' ; although, TransUnion continues to report said item.

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 2017-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Happy Friday, I checked my credit recently and I still see XXXX on my credit. I have disputed this information as fraudulent I have also submitted the information for XXXX, XXXX AND TRANSUNION to verify this information ... They have not sent me correct information that is verifiable. I 've complained filed disputes its still listed.

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 2015-12-31
Company: NPS GROUP
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX with the NP Group XXXX called me about a online loan that he was trying to collect on. He had my social security number and the last XXXX of my checking with an address I lived at from late XXXX until XXXX XXXX. He said the original amount was XXXX but with the fees and interest it was at XXXX now. He said I could pay XXXX to satisfy this debt. I asked for the name of the company the debt came from. He told me XXXX XXXX XXXX. I asked him for their contact info at XXXX XXXX XXXX and he told me that he did not have that. I do n't believe this is a real debt and suspect it it is a scam.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-25
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had XXXX and the doctor was not sure at first how long I 'd been out of work. So I thought that I should let the bank know the situation as far as IF I may get a month behind in my mortgage. Since 2003 I have never been late or missed a mortgage payment and at that time was current. The representative suggest that I consider a modification and that I should wait and be late a month to start this process. I said NO I do n't want to be late. So now we start the process which took from XXXX to XXXX. They took {$100.00} off my mortgage. Put me on trial to see if I could make the lower payments which I did. Of course the lower payment I was paying was not what my new mortgage was to be. In the process they got the {$100.00} dollars back ( because of higher taxes and escrow short ) and my mortgage is more than it was at first. But the mean thing is that they put my mortgage account it a delinquent status and put it on my credit report. I think this is mean and unfair. I have written letters to all three credit report companies and they say it can be removed but I 'd need a letter from the bank. I have written several letters XXXX one to the CEO ) and made several in-person attempts and was also told it could be taken off. None\of this has worked and I rec 'd a letter from the bank telling me to stop writing because my compliant was frivolous and a waste of time and they were not going to remove it. It has really put my credit report in a nasty spot. I 'm not able to do anything with the being the first thing you see on my credit report. I do hope you can help get me some help with this. I was only trying to do the right thing and this is what I got.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Paypal Holdings, Inc
State: KY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX/XXXX/2016 I listed a {$300.00} XXXX gift card for sale at {$250.00}. A person with the account XXXX purchased the item through a Paypal payment. The person emailed me through the ebay messaging and insisted several times in a matter of 10 minutes that I send them the code on the back of the gift card so they could start using it immediately. I checked to make sure the money was there in my Paypal account and received the " Ready to ship '' confirmation on the account. Thinking it was OK to send the code, I did so through the Ebay email to the customer. About 4 hours later, I receive another message from XXXX stating that their account had been hacked and not to send the item. I informed them that I had already released the code to the person on their account. I called ebay when I received this information and was told it would be investigated. I also contacted Paypal to see if I would still receive payment. Ebay told me that there was nothing they could do, that I am not protected from being scammed on their website. I called back on XXXX/XXXX/2016 to see if this matter would be resolved and if I would finally receive payment. I was told by the customer service and Funds Availability Special XXXX that I should receive payment since I did provide the item to the customer and that I would receive a call back within 48 hours. That call has never come. 
I placed my trust in ebay to receive payment for the item I sold. It is not my fault that someone 's account was hacked. I provided an item and have not received payment. This is wrong. I should n't have to be punished and lose all my money on this transaction. Both of the times I called ebay, I was shuffled to XXXX different departments and was forced to stay on the phone for over an hour. Why would anyone ever sale anything on this website if they are n't going to protect their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
the collection agency [ bay area recievables ] are trying to collect a debt that would have been paid by the VA XXXX XXXX, had they paid attention to my instructions to not bill XXXX, but to bill the VA XXXX XXXX, theVA paid all of my medical bill 's from all providers, but the bill in dispute was not paid in full, XXXX paid all but XXXX dollars of the bill, had they billed the VA they would have been paid in full, i am a 100 % XXXX vet and my XXXX is taken care of by the VA, there fore I would like to have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
Hi there! 
this complaint is against capital one, who has repeatedly keep misusing my personal information, my address.everytime when i login to capital one my account my address always been reported wrong XXXX, NY XXXX, Which is wrong, i contacted capitalone XXXX to resolve the issue.After changing my password so many time, i am still experiencing the same problem. My address is XXXX, NYXXXXXXXX, That 's the only address i would like to have on file. The address XXXX, ny XXXX never been my address and never been a physical address. This address could be a result of identity theft.I have tried to resolve the issue with capitalone unfortunately they could n't help me. I never missed a payment. Should be a fair treatment to all of us, equal opportunity. 
my first name is XXXX, my last name is XXXX I am XXXX years old i reside at XXXX, NY XXXX .My email address is XXXX. My cell number is XXXX, this complaint was filed by my husband XXXX, on my request. For future correspondence feel free to contact my husband at XXXX and email XXXX .we both lived at the same address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
Fraudulent charge put on account XXXX/XXXX/2016 for XXXX XXXX {$540.00} I contacted CITI Bank who cancelled my card and sent me a new card with a new account number, but have not removed the fraudulent charge.

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