BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-05
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My husband and I own a XXXX XXXX XXXX property which is encumbered Ditech and, despite dozens of contacts with Ditech, we have been unable to get them to release the property. Ditech 's failure to respond may harm our ability to honor a contract on our home, which is currently marketed for sale. After 15 phone conversations, emails with 7 different departments and faxes to three different fax numbers, Ditech has failed to respond to our request. Our home and our neighbors ' home were misidentified on the property assessor requiring modifications of the deeds of trust and legal descriptions of our XXXX properties. The other mortgage holder, the two owners and the title company have prepared and signed each and every required document yet Ditech continues to encumber our property. We are unable to honor a contract on our home until Ditech responds to one of the dozens of phone messages, e-mails or faxes we have sent over the past two months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Visa Debit Card # XXXXWrongful use of debit card : XXXX Police Report # XXXXPlease be informed that I did not authorize anyone to use my name or personal information to withdraw money from any merchant or ATM machine as described in this dispute. 
Location Address Date of Occurrence AmountXXXX-XXXX XXXX XXXX XXXX XXXX, TX XXXX/XXXX/2015 $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX/XXXX/2015 $ XXXXCHASE XXXX XXXX XXXX XXXX XXXX , TX XXXX/XXXX/2015 $ XXXXI noticed these fraudulent activities when I went online to check my account on XXXX/XXXX/2015. 
Please review my attached transaction activity log as it vividly shows my pattern of using this UCARD Debit card since XXXX, 2015. All transactions over {$200.00} are done either inside a local Chase Bank or at Chase ATM location or transfer to my other Chase Bank account in my City of residence ( XXXX ). 
Before the fraudulent activities of XX/XX/XXXX & XX/XX/XXXX, I used my card in my City of residence XXXX as I 've marked all in the attached transaction activity log. After the unknown fraudulent activities of the said dates, I made transaction in my City of residence in the morning of XXXX/XXXX/15. The question is who stole my money from those XXXX locations in XXXX, TX? Did Chase Bank duplicate my Debit card with my information? 
As I was talking to Chase customer service agent, I was meant to understand that a video snap shot caught a male and female drivers of a minivan committing this fraudulent activities. In response to that vehicle, I own and drive a BMW X5. Since the video caught a minivan, I ask Chase Bank to please make the information available so that the suspects will be apprehended and credit my account ASAP. 
For my whereabouts a day before the frauds occurred, I attended a wake keep for a dead relation in the XXXX XXXX XXXX on Friday night ( XXXX/XXXX/2015 ) and was home in XXXX, TX all day Saturday and Sunday when these illegal activities happened. 
I want to make it very clear to Chase Bank that I did not authorize anyone to use my name or personal information to withdraw money from any merchant or ATM machine as described in this dispute, I do not have a suspect to this crime other than to say that my Visa Debit card credentials were compromised and the sum of {$1100.00} ( XXXX XXXX XXXX XXXX and XXXX Dollars ) were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
Hello - I signed up for a Chase credit card as part of a promotion ( for XXXX bonus miles ) with Southwest Airlines. Southwest advertises this promotion everywhere - every time I go on their website or use their mobile app or even at their terminal in the airport. I clicked on this promotion and signed up with the card ... and some how ended up with a different promotion that I have never seen advertised anywhere. I repeatedly called Chase asking when my bonus miles would appear, and they reassured me that I had to wait, as it takes up to 6 weeks, even after I had waited that long. Finally some one told me that I was signed up for an inferior promotion, that again, I had never seen advertised or described anywhere. So I was basically tricked into something else, and they eventually agreed to change " after the next billing cycle '' a delay that essentially violated the terms of the agreement. Furthermore, Southwest 's response is to claims that it 's " Chase 's promotion '', even though are the ones advertising it, to the point that it is the main thing Southwest is pushing. My take is that Chase is engaging in false advertising, and Southwest is claiming no responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I 've been working with Midland Funding LLC for awhile now to try and work out a solution to pay off my debt. From the moment they took over my debt they were threatening to sue me if I did not pay them. I began talking to them on the phone and explained that I did not have the full amount and could not pay them that. However, I did have about {$300.00} available and was willing to pay them that on the spot if they would clear out the debt. Or that I was willing to work on a payment plan if they could fit it within my budget. I explained I did n't want to commit to a plan I could n't afford, which was why I was asking for a reasonable plan. One representative I spoke to a couple times said he would see if they could accept my {$300.00} and would work with me to resolve the debt. I asked him to please leave a voicemail if he did n't reach me so I knew to call him back. They have been calling me under different phone numbers and tend to call while I am at work and can not answer my phone. He promised to leave a voicemail and never did. I began receiving calls from an unknown number and returned one of them to find out it was again Midland Funding. I asked to speak to the same representative and they told me he had left for the day but that they would have him call me and ensure he left me a voicemail if he could n't reach me. That never happened. I did n't hear from anyone for awhile. More calls began coming through on a totally different number and when I answered it to find it was Midland funding the gentleman I spoke with was extremely rude. He told me that the previous representative I spoke with did not provide me with the right information and that this debt was in pre-legal status and I needed to pay the full amount. He stated that due to the pre-legal status there were n't any options to pay less to resolve the debt or do a monthly payment. I informed him that I had been researching their company and discovered that they have their own legal department and the way they do business is to sue people for the debt rather than working with them on it and I did n't want to get to a lawsuit when I am trying to work with them and they are n't willing to work with me. He began to raise his voice and said " Well what difference does it make? Either way you 'll be paying the full amount. Now or when we take legal action. '' I began trying to talk to him and he continued to talk over me and was getting very mean towards me. I hung up the call because I was getting scared and did n't know what to do. I spoke with a money management company and they advised me to contact the Consumer Financial Protection Bureau as this behavior is not condoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Richard J. Boudreau & Associates, LLC
State: NY
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I was told, i could have my loans cut by 50 %. All I have to do was pay a fee upfront and then 30 days after I would agree to pay a certain amount monthly for 12 months and my loan would be paid off. This happened in XXXX. But now in XXXX, I started to get letters about paying for this loan I thought I already paid off years ago. Turns out I did enter an agreement to pay monthly with the right company but the Company i originally spoke to where the fee went to were scammers. No company heard of them and when i looked at my XXXX statements to get the name and search who they were. It says they closed down and had other complaints for asking for fee to settle loans upfront. Company that I think scammed me are called Richard J. Boudreau and Associates.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Venmo approved funds to be loaded from debit cards into my husband 's account and to be transferred to my Venmo account. 

I initiated a bank transfer, but venmo wo n't release the funds from my account to be deposited into my checking account. I do n't have access to the funds and no way to contact Venmo other than email. 

Address/ssn/drivers license have been submitted to venmo to verify identity, but funds are still frozen. 

I have attached a copy of frozen bank transfer email confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: Uber Technologies Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I was trying to set up my uber partner app to only do uberXXXX deliveries. I clearly hit to use my own vehicle and as I was scrolling through and entered my address the next thing I see Is that an inquiry was made on my profile from XCHANGE LEASE LLC. I contacted Uber and told them that something was wrong with the app and it somehow selected I was interested in leasing a car when I was n't and it ran a credit inquiry on me which I did not consent to. I sent screenshots of this ( also will be attached to this complaint ) and also told them to go into my account and try it themselves as it will still direct you to the same page. They did n't care told me they could n't help me and to contact XCHANGE LEASE. I contacted XCHANGE LEASE and was told I did consent to it, ignoring all screen shots and proof I was n't looking for a lease. I am even more than happy to let them try it themselves or to make a video showing the error. I want this credit inquiry removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was in the hospital for 5 months. I surrendered the vehicle to Chase for inspection per bank instruction for inspection. I was told after the vehicle was inspected that I would have an opportunity to bring the account current. Once the account was brought current I could take possession of the vehicle. I was prepared to bring the account # XXXX the day I surrendered the vehicle a XXXX. Chase never gave me an opportunity to bring the account current as agreed. Chase plans on auctioning the XXXX without notifying me or giving me an option to purchase the vehicle at a fire sale price reserved for their cronies. This practice is an act of bad faith and should be deemed illegal. Chase 's number XXXX. all state towing who confirmed the arrangement XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Mobiloans, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I received a pre-approval letter from a company called mobiloans early in this month and accepted. I was asked to send in a voided check as well as an authorization form allowing them to make ACH transactions on my account. I sent all the info as requested and supposedly the information was updated as I got a confirmation email. So I requested funds on monday the XXXX of XXXX 2016 to give me enough time to receive it by the time I needed it ( XXXX XXXX 2016 ). They promise to have the funds in your account by the next business day but two days later ( today ) I hadnt recived the funds so I called their customer service line and recived the worst customer service ever! The people told me basically that the agent who made the update to my account did it wrong and because of this I had to wait till they received the money back before I could request it again pretty much leaving me to deal with my issues of not being able to handle my emergency in time which was the whole purpose of using the service to begin with.

Company response to consumer: Untimely response
Consumer complaint received 2016-08-15
Company: Mobiloans, LLC
State: NE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I believe Mobiloans LLC fraudulently stole my identity from the Internet and processed the loan with the expectation that I would cash the checks thereby agreeing to the loan. Mobiloans LLC sent XXXX checks in the mail without me soliciting a loan. Since I had not applied for the loans I presumed they were an unsolicited loan so I destroyed the checks without cashing them. Because the checks were not cashed there is no legitimate loan and the ensuing debt collection notice is fraud. 

I have submitted a police complaint but the local police are not able to resolve the fraud. 

The loans appeared on my credit report and I filed a dispute with XXXX and XXXX. XXXX resolved the dispute by deleting the account from my credit report. XXXX resolved the dispute by making a comment in the file and the loan is shown as being " Charged off as bad debt, Profit and loss write-off ''. 

I applied for a loan with XXXX XXXX XXXX and the loan was denied because of this statement in my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-08
Company: AR Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AR resources was told this was not my debt, and placed under dispute, they talked to the VA and VA told them it was not my debt, but still filed a collection agaisnt me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I need assistance with a modification on my loan - this is really not a complaint but since I have needed assistance in the past I have had this loan for I believe 15 years I have had things come up but prior to the flood I was finally doing great. My son was XXXX in XXXX of 2015 and the driver did not have insurance that put a financial struggle for a month or two but everything was getting caught up till the flood in XXXX which was declared a natural disaster. PNC has worked with me when my wife lost her mother and her job and I am begging please just help me. I am in a better financial situation and if I can just get a modification I will pay more so I can get this loan paid off

Company response to consumer: Closed
Consumer complaint received 2015-11-12
Company: Brown Olcott, PLLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
HOA sued for unpaid assessments and is garnishing wages, but the law firm collecting the debt on their behalf is not engaging in meaningful negotiation to resolve the matter. Consumer has offered a settlement, offered an alternative payment plan, and has requested a reduction in the wage garnishment. However, law firm has simply rejected settlement offers with explanation or a counter offer, or proposed an alternative payment plan, or produced proof that they filed the reduction with the court and it has been over 14 weeks. 
The amounts they are seeking to collect are in excess of the judgment, and they have not reduced the balance by payments made by the consumer to the HOA. The amount the law firm is seeking to collect in attorney fees are excessive and nearly triple the principal balance with accruing interest. The consumer has offered to pay the full amount of the principal {$740.00}, court costs {$220.00}, and over {$500.00} in attorney fees and they rejected the offer. It appears the firm wants an additional {$1200.00} in attorney fees and it is unlikely they have presented the offer to the HOA.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
In effort to prove that my Promissory Note is valid legal tender, I discovered that BBVA Compass Bank is in Breach of Agreement concerning our contract, by concealing material information, and conducting unauthorized transactions. It 's been discovered that BBVA took our Promise to pay ( Promissory Note ) and deposited into an account, in I and my wife 's name that became asset for them that they used to fund our loan ; only it was not a loan, it was an exchange, they excepted our Promissory Note in exchange for credits to our transaction account ( s ) that we knew nothing about! they say that my Promissory Note is not valid legal tender, but yet they monetized our Promissory Note and never used a dime of their own, and then they are charging us back money we funded ourselves with interest. In the banking law, if the bank deposits the note, they must give you a deposit receipt, which we never received, ( see 12 U S C A Sec 1813 ). BBVA Compass Bank, is in violation of the GAAP and they know that they are! There is no way that BBVA Compass Bank can deny my complaint, because the proof is in the Bank Bookkeeping Journal Entries associated with our so called loan ; and the Federal Reserve Publication Modern Money Mechanics Pg 6, reveals that banks make loans by accepting promissory notes in exchange for credits to the borrower 's transaction account. They even admit that it 's an exchange. IF IT 'S AN EXCHANGE HOW CAN IT BE A LOAN? once again, I 'm asking for the title to our car, but if BBVA tries to refute this complaint in anyway, then I will demand full disclosure of all bookkeeping entries associated with our loan and the deposit slip for the deposit of our promissory note associated with our loan, which I have a right to by law of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: ARVEST BANK GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest Central Mortgage Co of XXXX XXXX AR took over my mortgage services on XX/XX/2020, however no correspondence was sent to me regarding the details of how to pay or how to contact their company until XX/XX/2020, via US mail bulk rate, and was not received by me until XX/XX/2020, the day that my mortgage would be considered late for payment and be imposed a late fee ( which Arvest has since said they are waiving for all customers ). 
When I originally tried to pay my mortgage to Arvest, via their automated system I was told that my information did not exist in their system. Due to not receiving the information from Arvest that I needed in order to pay ( including a contact number ) I was not able to pay my mortgage in a timely manner to Arvest. My mortgage interest accrues at over {$90.00} per week. This negligent and unethical delay in proper notification of how to pay my mortgage in a timely manner, by Arvest, resulted in my interest owed being increased by {$90.00} per week. This interest that accrued due to their delay, equates to direct fraud by this company, as it equates to more money that I now owe them. This interest that was not paid down due to this delay will be compounded many times over for the life of the loan. How can a company mail a notice on XX/XX/2020, via slow US mail, of how to pay make a payment that was due on XX/XX/2020?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: First Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep receiving calls from a debt collector saying i took out a payday loan and that i need to pay the debt back. I have taken out a pay day loan before but i contacted that company directly and they has no issues with my account and they told me that the calls i 've been receiving are scammers trying to get money from me. The supposed debt collector will not provide me with any information on the debt they are trying to collect. As soon as i start to ask questions they hang up on me or threaten me with a law suit.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-15
Company: First Recovery Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Company known as 1st Recovery has made repeated phone calls to my cell phone, my parents house phone and my dads cell phone. Refuses to stop calling. Calls all phones right at XXXX, XXXX. Relentless Continues even after asked not to call. I ca n't even get a straight answer as to what this is about.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed a fraudulent account with equifax submitted the police report identity theft dispute letter and affidavit and equifax did n't block or delete the item pursuant to FCRA 15 U.S.C. 1681-c2. They stated the account was verified. This account XXXXXXXX account # XXXX is not my account I never had XXXX phone service. They also was reporting duplicate accounts for years I submitted CFPB dispute XXXX and they finally removed the duplicate accounts. Please delete account immediately from my credit report Pursuant to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: 3rd Generation, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
1 ) Failure to post payments in a timely fashion. I sent two payments via XXXX with follow up calls providing proof of payment. On both occasions I continued getting phone calls from employees that would yell at me, and threaten to have my vehicle repossessed and hang up on me. 
2 ) Vehicle repossession causing extra fees after payments were remitted and verified received, with all payments up to date. 
3 ) Continuous calls demanding payment after vehicle reclaimed from repossession company and additional fees being sent via XXXX. 
4 ) Third party disclosure to my brother in law after stating he was not my spouse. My brother in law was told that calls were regarding my auto loan. 
4 ) Applying insurance to may loan after being supplied with my private insurance information on 3 different occasions.

Company response to consumer: Closed with explanation