BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-25
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Dear Sir : The debt collector is fraudulently attempting to collect debts ( which have been cleared in bankruptcy in XXXX 2013 ) by bundling old debt with a new debt collection request. 

My insurance company ( XXXX ) is supposed to pay the charges indicated for certain services in the amount of {$100.00}, {$40.00}, {$120.00}, {$120.00} as the deductible has been met. Although these debts may finally be mine to pay once the issue with XXXX is worked out, the American Medical Collection Agency ( AMCA ) has included another old debt I believe of {$1700.00} which has no relation to the client ( XXXX ) that they are collecting a claim for and is demanding that I pay it as part of this settlement. AMCA provides no detail about this dent other than " Other Accounts '' and threatens me with a letter with this wording " YOU ARE HEREBY NOTIFIED BY LAW THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS ''. 

This is a highly insidious way of attempting to collect a debt which has been wiped out in bankruptcy by including it with more recent debt that is still under negotiation with my insurance company. 

I request your help in stopping such insidious efforts by this debt collector and a notice to them not to touch my credit report in any manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Upon reviewing my credit report I noticed that American Medical Collections was reporting an account. I called them and I instructed them that I have no idea what this account was about. I advised them that I have full medical coverage and that I have no outstanding medical bills. I explained to them that I was willing to pay the amount of {$120.00} but I needed for them to remove this information from my credit report as the account was not mine. I offered to pay the account as my job is extremely sensitive to my credit report. I was instructed that they will not remove the information because I verified my address. I explained that I never received any notice or mail concerning this account. But they continue to insist that they will not remove this account even if it was an error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeated calls with no message just today XX/XX/2016 XXXX XXXX XXXX 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 2016-01-15
Company: First Data Corporation
State: TN
Product: Prepaid card
Sub-product: Payroll card
Issue: Fees

Complaint:
ADP TotalPay card with money network upgraded my account unilaterally without any request from me or any notification to me and charged " account maintenance fees ''. I spoke to the customer service, and they only say they can not reverse but can not explain why the account was upgraded without my request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: NJ
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:
I was one of many that their information was obtained due to the Data Breach. I received the letter from Equifax stating this and now my INFO is being used. I have noticed numerous inquiries that I myself have not made and I have not been made aware when my credit report is being accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: Credit Service, Inc
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i am a XXXX veteran so i dont need this nonsense from the csi group. and i never trusted sneaky shady uneducated debt collectors who take advantage of those who less fortunate to make a living wage in the united states. my services were provided by medical doctors at the XXXX clinic so i wish they would have dealt with me directly and stayed in contact with me so i could have paid them off in monthly installments till paid in full. i do n't think we needed to involve low life debt collectors they do not have a XXXX from a XXXX so they are not educated enough to understand how working with the company directly is the BEST option ... 

XXXX and possibly other credit reporting bureaus are stating i owe {$380.00} to csi group and the XXXX clinic. but i called csi and a woman named XXXX verified my balance was XXXX from back in the year 2012. you must not really understand XXXX and be behind the curveball. XXXX says they report directly from XXXX so XXXX is stating this debt is not settled in full and had a balance of {$380.00}. so i want you to all re-contact all XXXX credit bureaus : XXXX, XXXX, and XXXX and XXXX check my balance shows paid in full year 2012 and has a XXXX balance again in year 2012. and i want this cleared up and done for all XXXX credit bureaus because if XXXX bureau picks this up then eventually the other bureaus will pick it up. per XXXX phone call with me, i also want a letter from you all stating this debt had been paid back in year 2012. i will also be contacting the consumer financial protection bureau ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The original creditor XXXX was removed from credit bureau for reporting inaccurate info. Midland funding continues to try to collect on bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
CFPB + Equifax, This is in regards to my Equifax credit report dated XX/XX/2022 - my name has a wrong variation I want corrected. 

Attached to this complaint is : - my drivers license - my social security card - my address- my dispute letter - screen shot where its located Please correct the spelling and variation of my name as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i have submitted a complaint once already about shell point mortgage and they responded by sending me a letter saying they received the complaint and were sorry, they said they were looking into the matter and would send me an update on my file asap. I still have not received anything they still wo n't return my phone calls and my home is going to sheriffs sale on XXXX/XXXX/2016 I finally got an e-mail from them last night at XXXX saying that my case was under review and to call with any questions I tried calling anyone I talked to could n't help me they had to transfer me to a specialist who is never there and never returns phone calls now I am down to the last min to get something done and I ca n't do a dam thing because they refuse to do there jobs. ( so much for keeping my home )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls, morning and evening once a day, it seems like more than once a day at times and I usually do n't answer and they do n't leave a message ; when asked to ifentify themselves they give an non-descript answer like this is about a personal problem so I finally I hang up.

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 2015-05-04
Company: First National Collection Bureau, Inc.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
More than a decade ago, I began receiving debt collection letters and calls regarding a XXXX XXXX loan for someone with a similar name. Its not on my credit bureau. Its not identity theft. Its debt collector " skip tracing ''. I have received over XXXX calls and letters and I just received another. Every time I contact the collector they just re-sell the debt to someone else, for more than a decade. Then I receive a new set of calls and letters. Its been a dozen different fly by night collector organizations. The current letter is from First National Collection bureau. This is a long time harassment that I would like to see ended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Shellpoint Partners, LLC
State: AR
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as 2014. This account has been delinquent since XXXX. The account has never been brought current. 
Line Item : Shellpoint Mortgage Service XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Line Item : XXXX XXXX XXXX, XXXX XXXX Attn : Research Dept., XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this information several times with the disputes department at XXXX and Shellpoint Mortgage Service. The information will be corrected and then re-aged again. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XXXX ( XXXX behind in payments ), making it currently XXXX XXXX XXXX. This account has continuously been sold and resold. XXXX XXXX & gt ; XXXX & gt ; XXXX XXXX gt ; Shellpoint Mortgage Service then re-added to my credit report and now re-aged. This is a fraudulent practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Rocky Mountain Recovery Group
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XXXX/XXXX/2015 at XXXX CST I received a voice mail from RMR. In regards to my Husbands ex wife. I informed them I have nothing to do with her. They stated that she provided my number. told them she does not have my number and this is a cell phone to never call it again. I instructed this is a cell phone and not to call it again. On XXXX/XXXX/2015 at XXXX CST I received a call and voice mail form another number regarding the same company and same matter. I called the number back spoke to a very rude rep who stated that i had to wait XXXX hours for my number to be removed. Was told the computer called me advised them since they were informed this was a cell phone with no authority to leave message or call they have violated the TCPA. i spoke with a XXXX XXXX who was very rude. I am being harassed over a debt that is not mine and i have nothing to do with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
An offer was submitted for review on a system called XXXX ( very bad and difficult system to navigate ) and the lender informed my authorized 3rd party that they needed to have the Property released from my Bankruptcy. once it was released they asked to submit a new offer and voided the previous offer. I called this morning and asked to speak with someone who then informed me that they required 37 days to review and that the schedule sale date was too close and they would cancel the new increased offer which would have been submitted today. They also said that Bankruptcy should n't be used as a tool to stop the sale. Which i think is a matter of personal opinion as i will fight to keep my credit and avoid a foreclosure altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The home loan was transferred from XXXX to Caliber Home loans in XXXX XXXX. In XXXX XXXX, XXXX Caliber Home Loans filed a motion to cancel the foreclosure on my XXXX real property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX loan number XXXX. I made application for a loan modification. Despite the servicers motion to cancel the foreclosure sale the foreclosure sale was held by surprise. I have attempted to save my primary residence for my XXXX children. I have been told I have to vacate the house now. When I asked about relocation assistance monies and a move out date I was not given an answer. There is a pending appeal and pending eviction. The appeal attorney name is XXXX XXXX XXXX XXXXXXXXXXXX The eviction attorney name is XXXX XXXX XXXX XXXX. My first request is to follow up with the loan modification. My second request is to be given a XXXX XXXX, XXXX move out date with relocation assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX phoned me four days in a row ( one call each day ) looking to collect the money I owe XXXX. The 4th time I told the caller that what they did is illegal. She responded by saying " I do n't know anything about that ''. I tell them that I am on public assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-11
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My EX took funds without my knowledge and concealed it via mail fraud, the amount is in excess of XXXX. 
PNC Bank is aware and has done nothing to hold XXXX XXXX accountable for such electronic criminal identity theft of me and economic harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello, On XXXX XXXX, I electronically transferred some money from my Wells Fargo Business account to my Wells Fargo Checking account via my web account. Just so you now, these are linked together online. The reason I made the transfer was to cover a subsequent electronic payment of estimated quarterly tax to the IRS the next day. 
When I logged in to my Wells Fargo accounts online, I discovered that my Checking account was in the red because there was insufficient fund in my Checking account. Payment went out to the IRS the next day as expected, however, money was not transferred from my Business account as I earlier requested online. So, I immediately went ahead to electronically transfer funds from my Business account to my Checking account in order to more than cover the shortfall. I then called Wells Fargo to alert them about this incident. After about 30 minutes on the phone, they confirmed that there was indeed a glitch on their system on XXXX XXXX and/or XXXX. When I asked them why they did not take steps to inform their customers about this, they said this information is only shared with customers who called in to complain. I was surprised by this statement. I further asked them to ensure I am not charged an overdraft fee as they typically do when there is insufficient fund in my Checking account, even if there is sufficient fund in the Business account. This is another issue I 've raised with them on a couple of occasions. However, they claimed I could not automatically link my Business account to the Checking account for overdraft purposes, despite the fact that I was the sole owner of my business and solely operate the Business account. They informed me that I would have to manually make transfers online whenever I expect a shortfall in the Checking account. Anyway, going by to my first issue, I found out on the XXXX of XXXX that I have indeed been charged an overdraft fee for insufficient fund in my Checking account on the XXXX of XXXX, despite the fact that this was entirely Wells Fargo 's fault. I am very inconvenienced by this and would like action taken to ensure this does not occur in future. Thank you for assistance. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-10
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
initially, i took out a payday loan with netcredit and I was unaware their interest rate was 99 percent which made it impossible to pay back. In addition, the amount would be double the loan amount and online payday loans are illegal in the state of Virginia. Net credit is affiliated with Nc Financial Solutions, LLC operates as a subsidiary of Cnu Online Holdings , LLC. They are not XXXX accredited and these companies are clearly crooks, unethical and practices illegal actions targeting consumers. Lastly, it does not matter whether a debt collector is legitimate which they are not. A legitimate debt collector who collects an illegal internet payday loan can get sued under the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Caliber Home Loans, Inc.
State: GA
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
Dear Consumer Financial Protection Bureau : ( 1 ) Property located at XXXX XXXX XXXX XXXX new jersey XXXX should not be in mu name, XXXX XXXX XXXX. I, XXXX XXXX XXXX, did not sign the application for the loan, and the contract was legally rescinded. 

( 2 ) There is a legally binding contract ( SHORT SELLAGE-bank approval ), and the buyer is in breach of contract. 

( 3 ) A foreclosure is in process, and their paperwork service of process is defective. I was not served the complaint or summons and the default judgment awarded them is VOIDED. Their was no due diligence on their part when they intentionally knew the mailing address XXXX XXXX XXXX XXXX Georgia XXXX. 

XXXX XXXX ) I, XXXX XXXX XXXX, keep have the same problem with self-proclaimed thugs, lawyer judges, et.al in the state of New Jersey and they need to STOP, adhere to their Laws/Statutes/Codes/Rules. 

Make them understand this simple concept : What they are doing is wrong. 

Please provide immediate resolute remedy without them further negatively affecting me, XXXX XXXX XXXX-The Innocent victim. 

XXXX and XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a delinquent tax bill for an extra parcel of land that was included on our mortgage. It was supposed to be escrowed out of our payment, however it was not. I notified my mortgage company Caliber Home Loans of this in XXXX XXXX and a research request was submitted. I called back in XXXX XXXX after receiving yet another delinquent tax bill. They informed me the research request was still pending from XX/XX/XXXX. I have called back again on XXXX/XXXX/XXXX and today XXXX/XXXX/XXXX and still no action has been taken, according to the representatives with whom I have spoken. I have faxed in 3 Qualified Written Requests with no response from their company. Meanwhile, my delinquent tax bill is accruing more late fees. This is a direct violation of RESPA, as my account is not being escrowed properly and I have notified them on XXXX occasions that this needs to be remedied.

Company response to consumer: Closed with explanation