BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-12
Company: MFP, inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Enclosed upload will show the one & only contact with this company. 
contact violates 15 USC 1692g of FDCPA. 
XXXX This first contact document ( included with this " dispute '', Since no other documentation was provided to me prior either through electronic means or at my known & lawful residence, I must consider this my first contact notification of any alleged debt. ) 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, on the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor Since the First Contact ( XXXX Letter ) fails to meet these provisions & no further letters have been received either electronically or at my known & lawful address meeting the provisions of [ 15 USC 1692g ] within the five days limit set in the provision, I call upon the XXXX ( a Department of the United States Government Fair Trade Commission ) to act within its legal capacity, and ( its intended purpose to protect the consumers of the United States of America ) from illegal & abusive practices. I call upon the XXXX to order the removal of this item from my credit report produced by XXXX & any other Credit Reporting Agencies with similar entries. The XXXX has a legal responsibly to act in this matter. 
Further, I call upon the XXXX to report not only this but, also previous reports of violation committed by Financial Credit Services to the appropriate Federal and State Agencies for their consideration of possible action.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: Bread Financial Holdings, Inc.
State: KY
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:
My Mother suffers from XXXX and after my father had taken her Credit Cards, he asked me why she was still receiving charges each month from XXXX, a catalog company. I called the company 's XXXX # and they explained she was enrolled in the " XXXX '' with " Special Promotions '' for the charge of {$15.00} per month. I requested they unenroll her and was given instructions on how to achieve this which I followed to the letter. I disputed the charges at that time and forwarded all the information they requested in XX/XX/XXXX. All these months later they are still charging her and have sent the disputed amount to a collection agency. I have sent the information they requested again with another letter to deny the charges and want that to be an end of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Chase mortgage released my mortgage and deed information to an entity that requested it. An email address that is not mine was provided. after the fact, Chase notified me via email that Chase had released all my mortgage and deed information to this email that was not on recorded. When I called Chase to inform them I had not requested this information be sent they told me it was not their fault because the scammer had provided my identifier information except for the incorrect email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have contacted IQ DATA several times to get this resolved. They are damaging my credit by not reporting an account in bankruptcy. It is showing as a active derogatory account still after almost 2 years. I have contacted enough times and people at IQ DATA this should have been taken care of and was told several times it was, however I just ran a credit report again to check and it is still showing exactly the same, they have not corrected this damaging issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Arbitration

Complaint:
I received a check in the mail from Macy 's for {$25.00}. Attached to the check is a letter stating that it was discovered a credit is due to my account. It states, " However, given the current status of this account we are providing a refund of {$25.00}. '' I am unsure what that means. Do they actually owe a larger amount but have decided the status of my account dictates a lower settlement? 

In the attached letter they provide a tracking number and contact phone number. I contacted the number listed on the letter to inquire. They instructed me to call Macy 's with questions. 

Macy 's claims they have no record of check being issued and do n't know what I am talking about.

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 monetary relief
Consumer complaint received 2017-04-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a checking account with Citizens Bank. I recently called the bank to ascertain the balance in the account as I did not have online access and forgot the account number. 
Upon being granted online access through the customer service representative, I discovered the account had been debited {$65.00} ( {$10.00} the first month and {$5.00} per month for 12 months after being designated a " DORMANT ACCOUNT ''. While I understand a bank has the leeway to levy such fees, I disputed the fees with the Citizens Bank however because I learned the way they attempted to contact me about the DORMANT ACCOUNT was to send messages for me to the dormant account itself!!! If an account has been dormant, what makes the bank think that the account holder is accessing the account to read messages???? Seems to me if they have the account holders contact information, such as email and phone number, which would have been submitted when the account was opened, then the correct manner to reach said account holder with a designated dormant account would be through some other avenue other than the dorman account itself. The idiocy of their excuse for charging an account holder for a dormant account yet messaging them about the dormant account through the dormant account is beyond stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: APR or interest rate

Complaint:
Last month I paid off the entire previous balance ( {$1500.00} ) and new balance ( {$11.00} ) of my Chase credit card ( a total amount of {$1500.00} ), 11 days before the statement closing date, bringing my balance to XXXX. However, this month I received a bill for interest on the previous balance that was paid off in its entirety ( Balance : XXXX, interest charged to me and due by XXXX XXXX, 2016 is {$11.00} ). My understanding is that if you pay off the entire balance before the statement end date, then no interest should be charged on the purchases. This is how it works with my Chase Southwest Credit Card and XXXX Credit Card. I called Chase 's customer service line twice tonight. The first time the woman was not helpful and argued with me and did not have very good English. I then told her I wanted to cancel my credit card and she made up some excuse that there was a long 10 minute wait to get transferred to someone else who could cancel my credit card. I then hung up with her and called back to try to get someone else and she also did not have good English and told me that all of their systems were down and to call back in 1 hour!! What is going on!!? This seems like fraud to me and I would like this investigated. I do not feel that I should have to pay interest on a balance that I paid down to XXXX 11 DAYS BEFORE THE BILLING CYCLE END DATE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have asked numerous times not to be contacted by XXXX and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.

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 2017-04-02
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a Vehicle ( XXXX ), which I received auto loan through Santander Consumer USA In XXXX from XXXX In XXXX NY. The car only had XXXX miles, after 1 yr engine blow and they told me I was XXXX miles over my warranty. So I voluntary surrender the car because an new engine would cost XXXX and I would be paying more than the car was really worth. The car was then re-sold, and it was charged off by Santander and they sold the account debt a company called second round and it is now really affecting my credit report. I have reported this to the credit agencies and this is still coming up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/XXXX, I was a victim of identity theft. Someone was able to access my personal checking account at XXXX by making a phone call. They also were able to use my information to open a new checking account online at TD Bank. {$1000.00} was transferred from my account to the fraudulent account at TD Bank. I spoke with the fraud department at XXXX and they gave me thorough instructions and they investigated the incident. The {$1000.00} was returned to my XXXX account. The problem is that TD Bank persisted in maintaining a checking account in my name with {$1000.00} in it. Since I was reimbursed by XXXX and all activity with TD Bank was performed fraudulently by an identity theft, clearly the money in the TD Bank Account is not mine and the account itself, though in my name with my information, is also not mine. I have called TD Bank and spoken to their fraud department in XX/XX/XXXX. I wrote a letter in XX/XX/XXXX to TD Bank explaining the situation. They persist in sending me bank statements and they deduct fees, {$5.00} maintenance fee and {$1.00} paper statement fee. The {$1000.00} balance is now down to XXXX as of XX/XX/XXXX, due to these fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13
Company: FORD MOTOR CREDIT CO.
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I financed a car with Ford Motor Credit, bought XXXX insurance and had a Debt Cancellation Waiver, I lost my employment ( single parent, XXXX income family of XXXX ) and could no longer afford a $ XXXX monthly payment. Called for help with payment reduction or a re-fi or a temporary payment reduction with an monthly amount i could pay, they declined that amount but offered something that was still above my means without employment but was less than original so I accepted. With the lowered payments and extended term they removed the XXXX insurance and the amount to be re-paid for the {$31000.00} vehicle purchased in XXXX 2011 went from over $ XXXX to almost {$70000.00}. After XXXX years of paying for car I was once again unemployed due to health issues of my own and my son who suffered a life altering accident in 2011 and has XXXX. Ford was no longer willing to work with me, after i had paid in over {$62000.00} on the loan that had a 8.9 % interest rate ( began at 8 % but 4 weeks after taking delivery of car I was called and said Ford just underwrote the loan and my father, co-signer, and I had to resign paperwork which took the interest rate up, and the note went from $ 620 monthly to over $ 711 monthly ) I voluntarily surrendered the car. The car could n't be sold because after paying over {$62000.00} I still owed over {$24000.00} and the highest resale value was {$14000.00}. I cleaned out the car and left keys in it for recovery company to pick up, I have never had a car repossessed. After Ford sold the car for {$9900.00} they sent my dad and me a bill for over {$14000.00} for the difference. I worked out a payment plan with Ford but missed one month 's payment and rather than call me they turned over to atty who is now seeking {$17000.00} and is suing me and my XXXX father and will get a judgement to garnish XXXX our wages, put leins on my dad 's assets and anything else they can attach in the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Bronstein & Weiss Arbitration
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
same number calls pretending to be paralegal, then process server. Indicating debt owed, no " debt collection, will be used for the purpose of collection .... '' info given at any time, operates out of XXXX in XXXX store in XXXX, spoofs/blocks numbers

Company response to consumer: Untimely response
Consumer complaint received 2016-07-15
Company: Data Check of America LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Data Check of America has contacted me about a bad check I wrote to XXXX XXXX. I asked for something in writing to be mailed. Never got anything in the mail. They asked me to view a check on the website I did looked like a check I wrote. This is a check from 2001 and I no longer bank with that company. I pay my bills and if they would simply mail me notice I will work some type of settlement if I in fact owe it. Then I get a call from the " attorney '' XXXX XXXX XXXX from GA but I ca n't find anything on them. I spoke to a XXXX XXXX XXXX told her also to mail me something and she told me that was a stall tactic and she would not fall for my SCAM???? She said they were going to take to to court and starting yelling because I told her to simply mail me something over and over she continued to act unprofessional so I hung up. I looked on the XXXX under datacheck of america and the address this number listed above falls under them. I also tried to look up the law office referenced and could not find anything. I just wanted something in writing I will never pay something over the phone. She had my SS # address and name. There is nothing on my credit report I have checked. Please help me.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: Credit Solutions, LLC (KY)
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I want to dispute this debt and any other debts that should have been off my record but you continue to renew it after the statue of limitations is up. I want to kindly ask you to please go by the statue of limitations and remove this debt and any other debts I owed from my record. I want them removed from all 3 Crdit Bureaus immediately and my records cleared. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a home mortgage with XXXX ( a mortgage broker ) with the first payment due on XXXX. XXXX immediately transferred the mortgage to XXXX to whom I made payments from XXXX through XXXX. In XXXX XXXX transferred my mortage to XXXX XXXX to whom I made mortgage payments to from XXXX through XXXX. 
On XXXX my mortgage was sold to Select Portfolio Servicing Inc ( SPS ) From XXXX to present I have made the remaining mortgage payments .I have documented proof from my bank confirming that all payments have been made ( on time ) and yet ever since the loan transfer from XXXX XXXX XXXX XXXX I have received monthly notices that I am I am behind a payment. I have tried relentlessly to clear this issue up and even hired an attorney to intervene on my behalf but without success. 
The attorney was concerned that the legal cost of entering into a lawsuit may outweigh the benefit of resolving my issue. At this stage I am now being charged monthly late fees and am getting calls and letters from collection agencies even though I am current on my mortgage and have been on time and am current with all payments. I am desperately looking your assistance in helping to resolve this issue. 
Sincerely 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 2017-03-09
Company: Veterans Relief Services LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
A company called XXXX XXXX is calling asking for self reporting information under the umbrella of the Veterans Approved Act. They are calling as a third party on behalf their " preferred lender ''. Passing information to XXXX ; quoting rates and closing costs without making application. XXXX XXXX direct dial XXXX fax. They are collecting data for the creation of a loan application without being a LICENSED mortgage company. I have requested NUMEROUS times that they remove me from their calling lists to no avail, therefore I have decided to gather more information from them in the hopes that your group will take action to ensure that NO other Veterans and their families are swindled by the group and the lenders that the refer to.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hi I 'm writing to complaint about Shellpoint Mortgage company. We are try to do a loan modification I through everything was going fine .I would call every 2 day to check on my loan I got no call back or your loan steel being processed. A few days ago someone from a Realtor company came to my house. Say we have to sign a paper a be out in 30 days. NO WORD FROM MY MORTGAGE COMPANY ABOUT THEY WAS SELLING OUR HOUSE .I HAD TO got To COURT HOUSE TO SEE WHAT WAS GOING ON. THEY NO ANSWER. NOW. HAVE TO A LAWYER .PLEASE HELP ME TO UNDERSTAND WERE I WENT WRONG. SO disappointed In My MORTGAGE COMPANY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Chase mistakenly pulled my credit 3 times during the application process. 
Chase duplicatively pulled my credit on XXXX XXXX, XXXX XXXX and XXXX XXXX. 
The rational they have explained is 1 ) they pulled a hard credit pull twice over two days due to lack of coordination 2 ) they then needed to pull again as they mistakenly thought our joint application was for a married couple, it is not. They have acknowledged these errors. I have notified them of my intent to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: SECURITY FINANCE CORP
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 never signed off on the check and never accepted the loan. this has been done fraudulently.

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