BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-16
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This is a complaint against Encore Capital Group and its continued collection of a debt while the account was under investigation and is still under investigation for fraudulent charges. On XXXX/XXXX/XXXX the judgement against me initiated by Midland Funding was set aside because of lack of sufficient service. The writ of garnishment was squashed. In court, I was handed an overview of the account ending in # XXXX and I stated in court that charges that created the balance were not mine. ( see minute entry XXXX/XXXX/XXXX and XXXX pages of spreadsheets printed by Midland Credit Management ) The funds that were obtained from the first garnishment that was quashed, my employer had to assist me to get the funds returned from Midland Funding LLC. ( see attached emails dated XXXX/XXXX/XXXX ). Over the course of next several months, I filed XXXX motions to compel against Midland Funding LLC, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but was told both times by Midland Fundings ' attorneys, they had no more information on the debt. At the XXXX/XXXX/XXXX Motion to Compel hearing the Judge ordered an FTC Fraud Affidavit to be filed. XXXX See minute entry XXXX/XXXX/XXXX ) I sent the FTC Fraud Affidavit along with a Police Report to XXXX XXXX XXXX Attn. Fraud Investigation. I informed Midland Funding LLC. I was a victim of fraud and I had submitted my FACTA request to the creditor. XXXX see letter dated XXXX/XXXX/XXXX to XXXX and XXXX XXXX After filing a CFPB complaint # XXXX against XXXX the original creditor, the FDIC opened a complaint ref # XXXX dated XXXX/XXXX/XXXX. That complaint is still unresolved and the FTC Fraud Affidavit is still an outstanding issue on this account. On XXXX/XXXX/XXXX Midland Funding LLC sent me the notice of wage garnishment to collect the debt ( see Response To Initial Notice Judgement Debtor/Request for Relief of the Order for " Writ of Garnishment '' and supporting documents ). In XXXX XXXX Midland Funding LLC garnished my wages for the Judgement dated XXXX/XXXX/XXXX for a total {$1500.00} On XXXX/XXXX/XXXX, despite my objections because of the fraudulent charges, Midland Funding LLC still requested a Motion of Continuance for there garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive validation of this debt from Midland at any point. Furthermore, Midland has re-aged this debt which is a clear violation of the FCRA and my consumer rights. On my XXXX report, Midland shows the date opened as XXXX/XXXX/11. The account was closed with XXXX XXXX XXXX on XXXX after it was XXXX days past due. The FCRA states that a collection company can only list the original delinquency date, not the date they purchased the debt. This inaccurate information has been on and is continuing to damage my XXXX credit file. I hold Midland responsible for this FCRA violation. I will include supporting documentation. Please remove this damaging and incorrect information from my XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I failed to notice for a few months that my American Express card had raised my interest rate on new purchases. Therefore, I have been making payments in excess of my minimum payment requirements in an attempt to pay off this higher interest balance. However, I have discovered that my the entire portion of my payment up to the minimum amount due is only applied to my lower interest rate balance. And that only the amount of my payment over the minimum amount due is applied to the higher rate balance. Is this disportionate application of my payment legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
Signed up for the AMEX Delta Gold Skymiles card with XXXX bonus sign up miles plastered all over the AMEX website by clicking " apply here '' right next to the promo. XXXX miles crossed out with a red mark on advertisement on AMEX website. Spent the XXXX in the first month. They awarded me XXXX miles. After escalating the issue they claim I didnt sign up for XXXX miles. And apparently NOBODY can show me proof of when the promo started and when I applied to show that the promotion was indeed in effect. Baiting, switching, and then insisting that a brand new customer is lying is not a good way to start off a relationship of loyalty. Especially when that customer is spending money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
As of XXXX XXXX of my checking accounts had a balance of $ XXXX XXXX a XXXX XXXX debited {$18.00} from that account leaving a balance of negative {$15.00}. The same day, after work at about XXXX, I went directly to a TD Bank ATM and deposited enough cash ( {$16.00} ) to cover the negative balance. I received a receipt dated XXXX with a current and available balance of {$0.00}. 

The following day I checked my account to find that:1. TD Bank assessed a {$35.00} overdraft fee2. TD Bank returned the XXXX transaction ( as if it had not been covered by the deposit ) 3. TD Bank dated the cash deposit XXXX not XXXX despite it being just $ XXXXMy understanding of TD Bank 's own funds availability policy is that any deposit made before XXXX will be credited the same day, and any deposit made after XXXX will be credited the following day. However, the policy also clearly states that the first {$100.00} of the deposit will be " made immediately available ''. And that was reflected on my receipt dated XXXX where the deposit was applied toward the account balance. However, TD Bank 's actions on XXXX suggest otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was transferred to LoanCare and since it transferred to them, my impound account was not properly funded. I now owe the county a large sum of money for taxes, out of pocket. I emailed, sent documents, and called them in an attempt to get them to pay my taxes from my impound account, they have done nothing. The people I did get on the phone were not helpful, and one employee was very rude. My emails have never been responded to. I attempted to call again last week, XXXX/XXXX/2015, to XXXX different numbers of theirs and the phone answered, but it was dead air, there was nobody there. I also had to jump through hoops with my home insurance company because the policy was not renewed as it should have been. I have never had to worry about anything with my home loan before, but with LoanCare I 'm very concerned they will mess something up again and it will cost me time and grief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Adler Wallach & Associates, Inc.
State: TN
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 recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: STATE FARM BANK, FSB
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to my State Farm Agent to conduct some business. In the time that I was there, I decided to open a bank account. After leaving the agents office I was confident that everything was done and that I was only awaiting a debit card, deposit slips and withdrawals slips. I received information by mail that the account could not be opened. When calling state farm bank, I was told that the account could not be opened in a joint account and asked if I still wanted the account opened. I responded to the young lady that yes I want to open the account, ( I was not aware that a new application was being done ). She informed me that I would need to send them verifying information and I asked her could I email that information to her. She in turn said no that it needed to be faxed. I told her that I would take it to XXXX with me and see if the bank could fax her that information since I did not have access to a fax machine. I DID NOT FAX THAT INFORMATION TO STATE FARM. On XXXX XXXX, 2015 monies were transfered to State Farm bank from my XXXX XXXX XXXX account. I contacted State Farm Bank asking that the monies be put back into my account since I was under the impression that the account was not open. In an effort to have the monies sent back to my account today, I was told that nothing could be done until they receive the address verification. Again I told them that I do not have access to a fax machine and that I could scan and email them the information that they needed. The supervisor in turn got on the line and said that they could not accept it by email and that I could go to a state farm office and have it sent to them. Again I asked how do he propose I get to another agents office when my vehicle does not have any breaks. I also informed them that they were stealing my money and I wanted it back immediately. Question : IF I DID NOT SEND YOU VERIFICATION FOR THE FIRST ACCOUNT, WHY WOULD YOU OPEN A SECOND ACCOUNT?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Medical Data Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The caller was very rude to my boyfriend with a " you have to make a payment '' today '' or else attitude. They spoke to him about my account, then asked for HIS private information including SS # and work info to collect on a debt that I may owe. I am sure they are not allowed to give information on my accts to other persons having nothing to do with medical or collection aspects of my life. It is " need to know '' information. They say they are about respect and counseling. This was not my experience ... well my boyfriend 's experience anyway. They told him everything and asked for his info. Improper. Now I question their legitimacy and the protection of my personal information

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 2017-03-06
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage loan was sold in fall XX/XX/XXXX by XXXX. I was directed to send payment to XXXX, which I did for the XX/XX/XXXX payment. I have the cashed check copy and evidence of my account being debited. Then I was directed to send payments to LoanCare. I have sent in all payments and have not missed any months. 

LoanCare will not recognize this payment and sends delinquent notices, saying I am behind on my mortgage payments, which I am not. Since XX/XX/XXXX to present, I have twice called LoanCare customer support to resolve this. Each time I was instructed to fax an explanation, copy of cashed check and my account debit page. I have done this twice now. When I call the customer service line, they have no information regarding any of this. 

I sent a letter ( copy can be faxed ) regarding this, with the above information again enclosed to LoanCare on XX/XX/XXXX. I asked for the payment made to XXXX to be acknowledged and my account to be remedied. no reply. 

I received another delinquent notice on XX/XX/XXXX. I have made every payment every month.

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 2015-09-21
Company: IQOR US INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied Interstate LLC calls me approximately XXXX times a day. These calls begin before XXXX XXXX. They also continue to call me at work, even after they have been told by my employer that this is not allowed. Sometimes they call me every XXXX minutes all day long. 

They have been notified that they are not allowed to call me with this frequency. They continue to do so. 

When I asked them for an address so that I may file a complaint against them, they would not give it to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services LLC sent a letter dtd XXXX XXXX 2015 advising that it did not receive our XXXX XXXX mortgage payment. I sent a fax that included printouts from my XXXX XXXX Bank account showing that the check was mailed for delivery by XXXX XXXX 2015 and cashed on XXXX XXXX 2015. Today I requested from XXXX XXXX Bank physical evidence that the check was cashed. I received a letter today from Carrington advising that they did not act on my fax of XXXX XXXX 2015 because I had not signed it. Never mind that it contained printouts from my bank account proving my identity and the error was theirs not mine. Today, I received a XXXX delinquency notice and a threat that I will be foreclosed and could lose our home if they do not have this supposedly missing payment by XXXX XXXX 2015. We recently went through a year of hell because XXXX sold our XXXX mortgage to those parasites at XXXX. Now XXXX sold my VA loan to this Carrington crowd which so far looks a lot like XXXX from where I 'm sitting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
LoanCare, or XXXX. Not sure who the company even is. My loan was sold to them from XXXX, who I was happy with. Now, I am having issues making payments. I had to call 3 times in one day just to get the person to assure me that the loan payment was scheduled. I was then rudely told " I am not sure what you 're seeing on your screen, but this is what I 'm seeing. '' I was then hung up on. That was the second call. The third call, I requested to speak with a supervisor, and was told " none are available. '' Seriously?? I am contemplating refinancing my loan in order to get away from this horrible company. Something needs to be done, and investigation, something. These people are horrible. Never again will I do business, or recommend this company. I will also not recommend or do business with XXXX, not after having been sold this way. My spouse and I are combat vets, using our VA loan for this house, and this has been a horrible experience. Unnecessarily rude and incompetent.

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 2016-03-10
Company: National Principal Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
My family remember received a call from National Principal group claiming that they are looking for me and need to know my whereabouts. They are claiming in their message that they will press charges against me if I do not contact them. I have no idea who this is or why they are harassing my family member. i do n't even know how they got my family 's phone number. It is illegal to harass or threaten to obtain money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am enrolled in a HAMP modification. My rate has prematurely increased from 2 to 3 % and I have not received the $ XXXX a year good faith principal reduction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: FIRST ADVANTAGE CORPORATION
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I applied for several apartments and I was declined due to having a " previous eviction ''. For the life of me I could not understand why I was showing a previous eviction because I was never evicted. The most recent apartment was XXXX XXXX. I had an exceptional leasing agent who explained to me why the application was declined. I had advised her I went through a few rough patches where I was always late but I was never evicted. She explained the company lists verified evictions. When I contacted the company they advised me to show proof that I was never evicted. Well it was hard to do because the property XXXX where I previously lived and where they claim the eviction came from has been demolished. I explained that to them and they advised me to contact the court. I contacted the court and they stated that I have never been evicted and they directed me to a site were I could print public records. I printed the records they showed all judgement as paid and resubmitted them to the reporting agency. Although they initially forwarded me to the court they again said the documentation was not enough. My argument is why should I have to prove I was never evicted? Is n't your job to only report accurate information that you have proof of? How can you report I was evicted if you do not have proof that I was? Its defamation, its inaccurate reporting, and it is costing me hundreds of dollars in useless application fees. I talked to the dispute department and he attempted to steer me away from disputing my file. Then I called again and another person was rude in his attempts as well but I forcefully advised him that I wanted the items disputed. I have contacted the company several times with no resolution. Although the dispute as not come back yet I feel that this company should only report information is verified and accurate. 
Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Rose Agency Inc.
State: MT
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:
I was trying to co-sign on a loan with my son. The bank loan officer said my credit was bad because of a debt collection from The Rose Agency. The debt was apparently from XXXX XXXX. When I call XXXX XXXX they have no account for me. When I call The Rose Agency they say they have tried to get confirmation from XXXX XXXX XXXX times. No one answers their requests. Neither company will do anything to take care of the matter. The Rose Agency person hung up the phone on me. My husbands account was absolved and that is the only communication that I have. No bills from either company. I finally got some information from the Rose Agency but XXXX XXXX did n't have any information. The Rose Agency says I have a bill from XX/XX/2011 and that I had XXXX Service for 3 months with an early termination. Also they say no payment was ever made. After five phone calls they gave me more information. An account number, a telephone number that I had at that time, which was XXXX and an amount owed of {$500.00}. XXXX could not find any of this information. Why does The Rose Agency have this information and not XXXX XXXX?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Nations Recovery Center
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
called my office phone left voice mail XXXX/XXXX/15. 
I asked them to send letter in the mail not call my office. 
They are trying to threaten they will take legal action on a debtthat the statute of limitations has expired 3 years ago. 
They said we do n't care about the law we will collect from youand sue you. I would like to let them know they can not sue mefor the debt bylaw or report it to XXXX, XXXX, XXXX. 
I know my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Nelnet has organized my loans into groups ( Group A, Group B, Group C, etc. ) and lists an " interest rate '' for each Group. For almost two years, I have been diligently making extra payments to the groups I believed had the highest interest rates. 

I recently discovered the 6.276 % " interest rate '' listed for Group A is misleading. Group A actually contains XXXX separate loans : Loan XXXX ( about {$20000.00} ) is at 6.8 % interest, while the other XXXX ( totaling about {$10000.00} ) are at 5.41 %. So, even though I believed I was prioritizing my highest interest loans, I have been missing a {$20000.00} loan hidden among loans with lower ( in fact, the lowest ) interest. 

This seems unfair and I can not help but suspect these groupings are intentional. A student loan servicer should not be able to hide high interest loans in a group with low interest loans, especially when that makes the entire group appear to have a lower interest rate. 

When I first spoke with Nelnet, they informed me the only way to apply payments strictly to Group A, Loan XXXX was to make a payment to all of Group A, wait for it to clear, and then contact their accounting department to reallocate the payment. This whole process would XXXX XXXX days. Concerned about the delay and the prospect of having to do this for every payment, I then asked them to separate my Group A loans by interest rate. They claim they are processing the request. 

I feel misled, but I am less concerned about my own situation than by the prospect of others having the same experience. This seems unfair and deceptive and I hope the Bureau can investigate whether Nelnet uses this practice regularly. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am disputing the credit bureaus for retaining a closed account on my credit report. 
Chase Mortgage was transferred to another lender that bought them out in 2006 and therefore should no longer appear on any of my reports!

Company response to consumer: Closed with explanation