BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-02
Company: Innovative Collections, LLC
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 is not mine

Complaint:
Dear Sir or Madam, I am a XXXX person. In XXXX while visiting XXXX, I was erroneously given a parking ticket for parking in a XXXX space. I immediately responded in XXXX while in XXXX to the ticket with correspondence that clearly identified XXXX and date of XXXX. The correspondence included enclosures : copies of my XXXX driver 's license, XXXX placard and XXXX vehicle records. I clearly requested that the ticket was clearly an error and should be cancelled and to contact me if additional information was required to contest the ticket. In XXXX, I moved to XXXX, but I did not receive a response until recently. As a result, I considered the matter closed. However, I received a letter from Innovative Collection Services on XXXX XXXX, XXXX, informing that I had a parking ticket that was in collections. In response, I wrote another letter with the same information as before that requested the claim be cancelled. They responded with a letter that the full fined was unable to be contested since the date exceeded the 14 day limit and that the debt would be reported to the credit bureaus if not paid in full by XXXX XXXX, XXXX. I am now formally requesting a complaint be filed against this debt collector for not recognizing my XXXX and cancelling the fine of {$460.00}. I have not contacted any lawyer and do not intend to pay this illegitimate bill. I would like any assistance or recommendations for resolving this dispute. The following information was included on the bill from Innovative Collection Service. 
Issuance Date:XX/XX/XXXX Account Number : XXXX XXXX Total Due : {$460.00} Thank you XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-09-28
Company: Manhattan Beach Venture, LLC
State: TX
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Company claiming to get my student loans reduced through presidential grants. From {$57.00} to only {$6.00} over 248 months. They collect a fee of {$600.00} for their service included in the 248 months payment. They ask for no money up front, but asked for my debit card #, mine and my husbands SS # 's, and DL # 'S. I have continued to contact them for more information and never seem to get a hold of XXXX XXXX ( XXXX ). 
As XXXX XXXX suggested, I contacted XXXX, whom my loans are through, to have loans put on hold. This is because the total amount of {$57.00} was to be paid off in XX/XX/XXXX. XXXX informed me that there is no such thing and expressed to file a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I wanted to dispute charges on my debit card with Bank of America. I was told that the only way to do this is via telephone or by physically going to a banking center. As I am XXXX and do not use a XXXX, I am not receiving the same level of service ( or even close ) as I am denied the ability to dispute transactions without enduring XXXX. This is not the first time Bank of America has denied my reasonable accommodation requests. They still have not addressed my previous complaints.

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 2018-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Capital One Credit Card to begin rebuilding my credit. I funded the prepaid credit card from my " Capital One Bank Account ''. After a couple weeks of charging the card, I wanted to pay the balance down. Not in hopes of using it soon, but to let it sit and help rebuild my credit. After making the payment, I noticed the bank account the payments were set to come from was an account i did not add. In fact, it was an older account I had years ago. An Account I have not had access to in literally, YEARS. After realizing this, I contacted the company to alert them to the error, Although an account that was listed, not added by me nor on my behalf. It was not even the account that was used to fund the card. Mind you, its a capital one bank account as well. So after telling whatever representative i was speaking with the account error, he did not help to cancel the payment, nor notate my account for anything I informed him of. And Yet again, I DID NOT ADD THE ACCOUNT AS A PAYMENT METHOD TO MY CREDIT CARD. So after a week, They closed my credit card account. I attempted to call, spoke with a manager in the fraud department. He informed me, the transaction was flagged as fraud. I did not attempt to make any purchases or anything with the card since the payment was attempted. I informed him of what occurred, which is everything I explained above. I have direct deposits with the company that comes from my employer, have been an investment client with the service. NEVER HAVE I EVER BEEN TREATED SO HORRIBLY BY A COMPANY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: CCS Financial Services, Inc.
State: OH
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 have not ever received any communication from this collection company. It just was placed on my credit report. I have no idea who they are. I have never had any dealings with them at all. I do now owe this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Midpoint Law Group, P.C
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was told I could get a mortgage modification named Mid Point Law in XXXX XXXX California. They took {$4000.00} of my money upfront as a " retainer ''. I 've found out that this is illegal because of state statute SB94. They 've closed their doors and I can not contact them any longer.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: Diversified Consultants, Inc.
State: MO
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 do not have a contract with Diversified Consultants. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. They are reporting on all XXXX of my credit reports and they need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Federal Pacific Credit Company, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Constant calls..Threats of apprehension..Calling relatives..Discussing details..Trying to get personal info..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are fraudulent inquiries which appear on my credit report, do not relate to any transaction ( s ) that I have made

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 non-monetary relief
Consumer complaint received 2020-04-17
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX at XXXX EST I was contacted by American Collections Enterprises Incorporated by phone who told me they have a debt to collect and wanted me to provide personally identifiable information over the phone to them to verify my identity. I told them to mail me the information. They told me they needed to verify my identity before they could share any details of the debt. I tracked the original phone number to the company and called their publicly posted phone number at XXXX. Again they refused to discuss even mailing information about the debt to me until I provided PII over the phone to them. I told them " No '' to which they responded " When you're ready to pay you'll give us the information. '' I am unaware of any outstanding debt that I haven't paid. I have received no notice of outstanding debts.

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 2015-09-02
Company: CLX Systems/ Westwood Management
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being continually harassed by CLX Systems/Westwood Management , Inc. They call my house and my cell phone multiple times, sometimes many times in the same day. Now they are harassing me at work. Now, they are faxing and calling my office to in an effort to embarrass me. 

It is on going and relentless. I would like it to stop. 

If you would be so kind to help stop CLX Systems/Westwood Management, Inc from continually harassing me I would greatly appreciate it. 

Thanks you

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03
Company: CITIBANK, N.A.
State: IA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I took out a loan with XXXX now known as One Main Financial. I fell behind back in XX/XX/XXXX and was offered a settlement amount in XX/XX/XXXX. The settlement offer stated if I paid {$3400.00} by XX/XX/XXXX that One Main Financial would report the account at a {$0.00} balance and settled. I have kept a copy of the cashiers check and letter. To date XX/XX/XXXX my credit report still does not reflect the change. I have disputed it numerous times and contacted One Main Financial directly numerous times only to be given the run around. I was recently denied credit because of this account. I do not know what to do at this point short of hiring a lawyer.

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 non-monetary relief
Consumer complaint received 2016-04-06
Company: Solidus Group LLC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called CSS contacted my mother concerning a debt she did n't owe. We asked them for their address so we could send them a declaration of debt but they would n't give us their address.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This request for assistance from the CFPB and JP Morgan Chase is being submitted based upon the fact pattern presented, in pertinent part, below. 

In XX/XX/XXXX, I received a mail solicitation from JP Morgan Chase 's Slate branded credit card program ( hereinafter, " Slate '' ) to apply for their credit card. The solicitation offered several strong inducements to apply for the card, including the transfer of existing credit balances at other companies with a 0 % interest rate for 15 months. 

Upon receipt of my application in XXXX, XXXX ran my credit background and approved the card. On XX/XX/XXXX, XXXX provided an email notification that the " new card was on the way. '' Indeed, it was received shortly thereafter. XXXX also offered to increase the credit balance, based upon my good credit history. In reliance upon their offer, I transferred balances that I held at other companies to the card, which I understood included a percentage fee surcharge for the transfer. 

In XX/XX/XXXX, without provocation, I received a letter from the XXXX program that they would be cancelling the card in XX/XX/XXXX. No reason was provided, other than " reputational risk. '' Representatives from XXXX could give no further information, but did indicate that such letters are sometimes issued when there is rapid credit utilization on a card. 

However, XXXX of the prime reasons for obtaining the card was in fact *precisely* to utilize the credit in order to apply the favorable rate of financing advertised. It now seems that because I utilized this offer as advertised, the offer and the card are being cancelled. 

Curiously, I received another email ( dated XX/XX/XXXX ) indicating that my " ... enhanced Chase XXXX card is on the way ... '' The revocation of the card seems arbitrary, unwarranted, and creates hardships as a sizable balance must now be once again transferred -- likely back to the original institution. Moreover, the actions have the potential to create material harm in the form of " unnecessary '' transactions in my credit report ( performing the initial credit check, increasing the balance, and then cancelling the card within a short time frame, with no exhibition of inability to pay, or defaults of any kind ). 

XXXX 

I respectfully submit this request for review and assistance in investigating the matter further. 

Very Truly Yours

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Insight Capital LLC (NV)
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On XX/XX/XXXX I received a voice message regarding a formal complaint with their office, if I did not call back XXXX XXXX Florida Court would be contacted. XX/XX/XXXX I returned the call and XXXX at ext. XXXX answered, she stated she was calling from XXXX XXXX on behalf of INSIGHT CAPITAL LLC, in regards to a returned ACH of {$430.00} from XX/XX/XXXX. I requested proof of the original debt, she refused, I requested she communicate with my attorney, she again refused, I stated I had all debts discharged in a Chapter XXXX Bankruptcy 2 years ago. I reviewed my bank statements from XX/XX/XXXX and there is no record of a {$430.00} returned ACH from anyone. She gave me 2 hours to callback and pay in full, only emailed me a settlement payment letter and NO ORIGINAL DEBT DOCUMENTS. I researched INSIGHT CAPITAL LLC, called the number on the internet and the representative stated it was a scam and to report to the FTC.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have just found out that the company that has my student loans is being sued by several states and your agency as well. My loans are held by Navient. I have the same complaint as others have voiced about not having been given any information about income based payments. Instead I have have been steered by Navient to delay payment with deferments which incurred huge amounts of interest. My loan now is over XXXX. Can I join in this lawsuit? What are my legal options?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is regarding a debt with XXXX that occurred over five years ago in which the company charged me incorrectly. At the time, I contacted XXXX attempting to dispute the amount but there was no resolution. My account was immediately sent to collections and it was subsequently charged off with a reported debt of over {$400.00}. Several weeks ago, I noticed that the charged off mark from XXXX had disappeared from my credit report and assumed that it had aged off per the statute of limitations set forth by the FDIC. 

However, that was not the case. The XXXX debt was apparently sold to a debt buying company because today a new creditor called XXXX XXXX XXXX has flagged my account with a brand new debt of {$550.00} carrying a due date of XX/XX/2018 which is today. 

It is clear that this action was taken by XXXX and XXXX to circumvent the consumer protection law regarding time limitations on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I placed an order to install customized drapery for my home with XXXX XXXX, decorator for JCPenny. I signed the contract and the drapery was to be installed within 8 weeks. 
After waiting for more than 19 weeks, I was appalled that the wrong drapery style was installed. After the installation I showed the contractor the style I and the decorator agreed on, he said that is different style. He said he will contact XXXX, the decorator. The same day I texted a picture of the newly installed drapery with the style I ordered to see the difference ( see attachment ). The difference is obvious. At first she was trying to convince me that it is the same style. The same day I emailed the store manager about  the issue. She emailed me the next day and said the she will look into the issue. On Friday XX/XX/XXXX, XXXX came to my home to see the installation ; She saw that the wrong style was installed. She said she would email her supervisor to see what the next step will be. 
On XX/XX/XXXX she called me and said that she will not redo the installation. I will have to pay for a new order in full and she would give me 50 percent off on the previous order ( The wrong style ).. This means I wont get reimbursed for the wrong style that was installed. I would have to pay in full for a new order, and then she will give me 50 percent off on the wrong order, which was her fault. 
Since they refused to help, i disputed the charge with their Credit card ( XXXX XXXX ).  Unfortunately they did not try to resolve the dispute. Instead they sent me a letter after about 2 months stating that " Special order items are charged at the time the order is placed is placed rather than when it is delivered ". They used the wrong reason to deny my claim. The actual reason for the dispute was JCpenny failed to install the right drapery. 
The text messages I exchanged with XXXX ( the decorator ), and the pictures of the style I was expecting, and the style installed showed that I was misled tremendously. The evidence for the case is overwhelming. I have attached pictures for the style installed, and the style I was expecting. I have also attached a copy of my email exchange with the store manager, and my text message exchanges with the decorator.

I had two decorators come to my home to check the installation. They both said it is not the same as the one XXXX agreed to order. 
I am disputing a total charge of XXXX dollars posted on two occasions : XX/XX/XXXX and ; XX/XX/XXXX. 
I have attached supporting documents

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 2021-01-18
Company: EQUIFAX, INC.
State: TX
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:
I notified the bureaus that the information that is being reported is not only inaccurate but also a violation of my federally protected rights as a consumer and they continue to report the information continuing to cause irreversible damage to my reputation as well as causing financial harm to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX previous case number which stated they would call only me but again they still called my relatives.. called me at work and now i am in trouble for picking up calls the guy who spoke was XXXX. he was so rude..made fun of my accent which kind of hurt me and i lost my confidence at work after that.. he was threatening me since he called my relatives everyone knows about this debt..its kind of embarrassing now to even talk to relatives.. 

i am thinking of hiring lawyer and suing them so they understand not to ever hurt other people.. 

i want this to be published with their company name so everyone knows how much rude these debt collecting people can be they recorded me without my consent..they said they can record me even if i say no?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I checked my credit score online at XXXX XXXX and discovered a drop of greater than 80 points due to a recent credit card charge on a JPMCB card services account. I have no knowledge of this account. I called JPMCB customer support and card services, I was told there is no open card listed under my name when I provided my social security number. I am extremely concerned someone has opened a card under my name and caused my credit score a hit.

Company response to consumer: Closed with non-monetary relief