BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
A massive problem ; I had a dispute with a copy in XXXX. They said, if I would end the dispute they would refund me. The issue is I do not know if I can trust them. I told this to the capital one agent who called. She said she would three way me on the phone at XXXX today. I see she already reversed the dispute without my permission and I am very upset. I do not like liars and I have gotten a lot of them from Capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-04
Company: Jim Bottin Enterprises, Inc
State: TX
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 changed phone numbers and apparently someone else who previously had this number must have been a member of the XXXX ABC Financial finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Other fee

Complaint:
Hello, I have a kohl 's credit card, and last month I paid my account off in full online, Two days later they made an attempt to charge my bank account the same amount again. It caused me an overdraft fee of {$35.00}, so I tried calling them and asked them why they would double-charge me. They claimed that I authorized those XXXX payments which is n't true because I did n't owe Kohl 's anything.to pay on they even wanted to charge me a returen check fee which a manager said later that she wont

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: NM
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:
Checked my credit score through XXXX, a Collection Item showed on my credit score, when opening the collection item, it is for some credit card from XXXX XXXX XXXX in the amount of {$1700.00}. This account was opened on XXXX XXXX by using my SS # but it wasn't me. I've talked to Experian and have disputed the charges, I've also contacted the collection agency XXXX XXXX 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 2016-07-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
American Express One VIP card has stolen over XXXX of my money I have contacted the executive office of XXXX XXXX telephone, social media XXXX. I have called several times to complain XXXX was refunded back to me after 2and 12 months after complaining the XXXX and my XXXX XXXX payments of XXXX and XXXX still have not been recovered. The accounts from XXXX 2015 to now has had duplication in atm withdrawals and transaction that were changed and alter city trend XXXX was never a transaction and XXXX was never given to me at XXXX airport, refunds never made and I just want all XXXX in deposit return so I can find another bank with integrity. The foreign workers are stealing from the XXXX cards and trying to put you in fraud when ever you complain. XXXX on account is separated from the statements and transaction and there are about XXXX of transaction missing. I have pictures I submitted by email to inform the Executive Vp however, it is my belief she is covering for her foreign colleagues positions. I also submitted the letter that a supervisor sent me when I first filed a complaint about them in the month of XXXX over XXXX is taken from me. They are saying transaction never happened and in XXXX XXXX pay checks were deleted out of the system which would reflect of XXXX deposit being made in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received an income execution dated XXXX/XXXX/16, from XXXX and XXXX, which are the attorney 's for XXXX Receivables, however neither of these agencies have proviced me twith proof of this debt, or even who the original creditor is. 
I have requested documentation, as well as justification for the {$2000.00} in interest charges, which seems to be an exorbitant amount, on the original amount of {$2200.00} that they have indicated that I owe. This amount of interest charged, should be illegal and improper! 
I am working a full-time job, earning only {$12.00} per hour for a total gross of {$480.00} per week. At this time, I am paying {$200.00} per month due to this income execution. I am only bringing home {$320.00} per week or {$1200.00} per month ; which I use to support myself and my XXXX brother ; without assistance. It almost makes me think that being employed is pointless. 
I am already living below poverty level and these unfair debt collection practices and the debt collectors prey on people who they already know do not have the money or resources to challenge them. 
Any follow up or assistance that your agency can provide me with I this matter would be extremely helpful and greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My husband and I took out a second mortgage in XXXX it was a 15 year fixed loan at 12.625 % since then we had some draw backs and inXXXX/XXXX save the dream helped bring this loan current however the mortgage company indicates a different amount paid by save the dream our experience report show different reporting the mortgage company says we missed like 27 payment. When we tried to see if the would settle for a lesser amount they said the loan has matured and can. It work with us it is so confusing please help me understand, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: TN
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 've been repaying on my loans every month since my repayment plan kicked in after XXXX in XX/XX/XXXX. My original loan amount was around {$86000.00}. My original lender was XXXX, now Navient. My private loans are currently under forbearance due to cost. To date I 've paid close to {$60000.00} towards my loans and I 've only seen a decrease in my principle balance of about {$8000.00}. My currently monthly payment towards both fedaral and private loans totals {$750.00}. And they are currently on a 30 year repayment plan. One of my private loans has an interest rate of over 14 %. That 's almost a predatory level of interest for an education loan. I feel like I 've been completely taken advantage of with no one to turn to for help. I 'm literally bleeding money to this lender and no one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I am with a debt consolidation company. Kohls has been made an offer to settle my debt but has not yet accepted. In the interim they have been calling my previous residence occupied by my husband ( separated XXXX at XXXX and midnight.Most recently on Tuesday the XXXX. 
Are they allowed to call this late? My husband and son have been awakened on several occasions and I feel it is bordering on harrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
WESTERNUNION ALLOWED THEM TO COMMIT FRAUD AGAINST ME BY NOT MAKING AWARE OF THE SCAM THEY ALL KNEW IT AS THEY LAUGHED. THIS IS VIOLATING THE DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
had late payment reported to credit bureau post la flood by capital one. my house flooded and was displaced. Per the federal disaster area, should not have been reported to credit bureau for time frame. asked to have it deleted, capital one would not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Simms and Associates a debt collection company has called me no less than XXXX times regarding an alleged collection for my daughter XXXX XXXX. 

I have informed them each time this is not her number, I have no involvement in this claim and in fact they will not disclose ANY information to me about it as they acknowledge that I am not party to the transaction and they can not disclose any information to me, yet they continue to call. 

Each time they insist they have never called me before, today I said, " then how do I know who you are and what you are calling about. " Each time I have asked them to stop calling yet they continue to call me. The latest call was today. 

My daughter has spoken to Simms and Associates approximately 3 months ago ( so yes they have been in contact with her directly ). She asked them to send her a letter with proof of the debt and explanation of the debt. Their response was they already sent it, however, she has received no such letter or information to date. She asked them to send the information and it still has not arrived. 

The person I spoke to today was aggressive, insistent about getting personal contact information for my daughter, refused to provide ANY proof they have a valid reason to contact her, and denied the firm has ever contacted me before. 

I told them they are violating the law by continuing to contact me and harass me. She insisted they are not violating the law by contacting me about a debt I am not a party to. She did say they would remove me from the list, BUT they have said this the last XXXX times as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: SIMM Associates, Inc.
State: SC
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:
This company is calling all family members and friends and harrassing them with continuous calls at all hours. I have no idea who they are and I do not owe that amount they told to my mother. I do n't live with her and the gentlemen on the phone told her all private information about me. She was n't aware of this and felt threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX - My debt is listed 2 times. 
I have always been covered by health insurance so this should had been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: ASTORIA BANK
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
MY BANK RECORDS FROM ASTORIA BANK WERE RELEASED TO AN ATTORNEY WITHOUT ANY SUBPEONA OR LETTER SEND TO ME REGUARDING RELAESE AND THEY HAVE NO RECORD OF ANY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am over paying my mortgage each month. Loan servicer is not applying my over payment toward principle, but rather holding it in a separate non interest bearing account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have had XXXX service for the last XXXX years. I had an account at a previous address that was current and active, and I transferred my service to a different address when we moved. I was then told I had a previous balance from a different address of {$66.00}. You are unable to get any service at a new address with a previous balance, which means there should have been no balance as I already had an account. I never received notification of any debt or my right to dispute the debt although they had my current address. I am disputing I owe anything to XXXX, as I still have their service currently.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This account does not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved

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 2015-05-27
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a settlement arrangement with Midland on an old XXXX account. They agreed to accept a settlement of 40 % which I paid to them. They did not remove the balance on this account. 

This is false representation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: The CMI Group, 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 was paid

Complaint:
XX/XX/XXXX I submitted a letter to XXXX XXXX to cancel my alarm service. Shortly thereafter my account with XXXX was turned over to Credit management , LP for collection. 
XX/XX/XXXX I submitted a letter to Credit Management , LP disputing the collections due to the fact that XXXX did not disclose that the contract was automatically extended when I moved the service from one residence to another residence. 
I received a statement XXXX dated XX/XX/XXXX which reflected my account was at a zero balance. 
I recently discovered that Credit Management , LP collections had not been removed from my credit report. 
XX/XX/XXXX I sent another letter with supporting documentation requesting that the collection status be removed from my credit report. 
XX/XX/XXXX I received a call from XXXX a representative XXXX who confirmed that I did not owe {$310.00} that 's in collections. 
XX/XX/XXXX I spoke with XXXX XXXX at Credit Management and explained that I had confirmation in writing that the collections was not owed. XXXX insisted that the amount was still owing. I requested that the collection be removed from my credit report, and she stated that they could not remove it and that I would have to go back to XXXX and request they contact Credit Management to remove the collections. 
So I call XXXX and spoke with XXXX in the Executive Reponse Team explain to him that I had spoken with XXXX at XXXX and then with XXXX at Credit management. XXXX confirms that I do not owe the {$310.00} that is in collections. He also states that XXXX has not done business with Credit Management in years. XXXX requested that I send him a copy of my credit report so he can confirm the collections is on behalf of XXXX. 
I pulled a credit report from XXXX XXXX and faxed to him with a letter dated XX/XX/XXXX and a copy of the credit report that reflected the collections. 
The credit report page I sent was page 11 out of 13 pages. Credit Management is clearly listed on the report and remarks noted on the credit report states that dispute is resolved, customer disagrees. 

When I last spoke with XXXX in XXXX, he had contacted me via phone and requested that I send him the complete credit report. I refused to do so, because I felt the information that I had sent him previously was sufficient enough. Besides, my credit report I feel is sensitive information. 
At this time, I have been getting the run around from both XXXX and Credit Management, in regards to this matter.

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 2015-03-20
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: IA
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 received letters and a phone call from a debt collector for a debt that is not mine.

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 2017-03-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was current with XXXX. I became unemployed and it took XXXX months for keep home CA to start making payments on my mortgage so once they started making payments my mortgage became XXXX months behind even though they were paying each month. Initially the program paid the wring amount because XXXX all of a sudden said my reduced interest rate from NACA was only temporary but NACA says it was permanent. During this time my mortgage was sold by XXXX to SHELLPOINT Mortgage Servicing. Once keep home Calif stopped paying my mortgage was immediately XXXX months behind. As I was only working part time I couldnt pay my mortgage and it became past due. I was working with the Shellpoint mortgage company who sent me a request for documents. I sent the same documents 4 times and they sent me acknowledgement letters saying they were working on my information for lian modification but just put my home in default and foreclosure while still requesting the same documents already sent several times. Shellpoint did nothing to help me keep my home at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got an loan from Advance Financial based in XXXX, TN. And I am inquiring if they can continue to charge me this outrageous percentage to pay them back. I told them I was in the military ( in the XXXX XXXX ) but they said I was fine and continued with the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Amsher Collection Services, Inc.
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 AMSHER COLLECTION SERV 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 AMSHER COLLECTION SERV 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 response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were told to get behind on our payment for XXXX days in order to get a loan modification.Then after the XXXX days they would not do anything to assist us and immediately started the foreclosure process. After submitting the paperwork over and over again they kept saying our paperwork was outdated or lost. Every time we spoke to them we had to call them since we did not have a contact person for the loan modification, basically starting over every single time. 
Eventually we hired an attorney who was working with Chase attorneys to try to get the loan modified. This was a Robo signed loan which we knew before the robo signing was even settled. Their Attorney denied in court, under oath, that this was not a Robo signed loan. We then applied for hardest hit funds through XXXX which we were approved for $ XXXX. At XXXX they were working on it then they came back and said they do not participate in that program. We are still fighting to save our home XXXX years later after paying on it for XXXX years and raising our family. We have no equity left, still paying attorney fees, and possibly going to Supreme Court. 
All we wanted was a loan modification. 
We are now speaking to Neighborhood Housing in XXXX. Chase will not speak to XXXX either or give them a number to the legal department to work this out. We have other illegal things that Chase has done throughout this process that we would speak about at a later date.

Company response to consumer: Closed with explanation