BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There was accounts put on to my credit profile by AFNI, INC that were not Authorized by me and are Unverified and or Inaccurate and is in direct violation of FDCPA and FCRA Laws, this is a Copyrighted name and has Leagal ramificatons along with it and Litigation my be pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: NE PROCESSING LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied for a {$1000.00} loan online with XXXX in 2011 and I paid back {$2500.00} and they still say I owe them and the debt was not paid in full. I filed a complaint against them with the XXXX about 3 years ago due to threatening phone calls from them at home and my work and I did n't hear from them again until over the last few weeks a company called NE Processing in XXXX XXXX NY has contacted me and told me I still owe over {$700.00}. I asked for validation of their company and they sent me a letter with the amount I owe on it. They told me if I ca n't prove I paid this loan in full, they are going to start legal proceedings, it 's been almost 5 years?? I know that XXXX XXXX XXXX scammed me because they tried to charge me XXXX % interest on the {$1000.00} which means I would have to pay back over {$3000.00} to have it paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-09
Company: TMX Finance LLC
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Tittle max continues to call my work and personal cell phone to collect a debt for someone I do not know. Every time I ask them to stop calling and explain this, they say they will remove the numbers. This is the 4th time this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the fair credit reporting act. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 




15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CITIBANK, N.A.
State: TX
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:
Some applied for a line of credit in my name with Citibank that I did not authorize. 
I was advised that the inquiry would be removed from my report in 30-60 days. 
The initial call was XX/XX/ 2022, and it has not be removed.

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 2016-09-14
Company: U.S. BANCORP
State: NV
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
XX/XX/2016 - centurylink account closed XX/XX/XXXX - centurylink withdrew funds via ACH without authorization Calls made to XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all time they acknowledge {$81.00} refund owed because of accounting error. Promised date of funds return past multiple times. On XX/XX/XXXX representatives stated charges would be reversed on the same day as they should not have been charged. At 1 month + since that date with no refund. Multiple calls to reps whom state an additional 7-10 days to process for every call date listed above. Fraudulent ACH withdrawl claim processing through bank as XXXX refuses to refund fraudulent ACH withdrawl.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX of my credit card I have set up auto payment. Recently they will not let you enroll an amount over the minimum payment. You must log back on to the site after the minimum is made to make additional payment over the minimum. If you do this. Then what they do the next payment cycle is reduce your minimum by the extra you paid over the last months minimum. Example- if minimum is XXXX a month due on the XXXX. Your auto payment will be made for XXXX. They will not let you set up any amount over the minimum so you must log back on after the XXXX and make another payment. If you make an additional XXXX on the XXXX. They will then reduce your next months minimum to XXXX. Or if your amount you pay is twice the minimum or more they will not take out any funds the next month. Thus forcing you to log on once again to make a payment, because they will not auto pay that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Residential Credit Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX I received a letter titled " Notice of Default and Intent to Accelerate '' from Residential Credit Solutions , Inc . 

I disputed the alleged debt and demanded validation of it XXXX XXXX, 2015 and Residential Credit Solutions XXXX Inc. received it XX/XX/XXXX. I have since sent XXXX additional disputes and demands for validation in response to their communications attempting to collect a debt. 

To date, I have not received a single document from it establishing that I owe it or the entity it claims is the investor nor has it provided any documents confirming that the entity it claims is the original creditor made a loan to me. All of my attempts to communicate with the entity it claims is the original creditor since XX/XX/XXXX have been unsuccessful in establishing that a loan was made to me. 

Residential Credit Solutions XXXX Inc. is not a secured creditor of mine nor XXXX. Neither has the standing to seize my property, yet Residential Credit Solutions XXXX Inc. continues to threaten me with a non-judicial foreclosure. 

It continues to violate the FDCPA by continuing collection activity despite my demands for validation and its failure to provide that validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was given noticed that HELVEY & ASSOCIATES, INC. has taken my debt, and I was given 30 days to dispute it, but I have not been able to get in touch with them as their phone number is disconnected. The debt also is not valid as my insurance company was not notified of the claim and I was told that no one contacted them about my medical bills or hospital fees and they have requested to see the claims from the hospital.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: U.S. BANCORP
State: AR
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am a USBank Depositor ( DDA ) and hold a USBank issued credit card. I was in their branch located at XXXX XXXX, XXXX XXXX, AR to make a DDA deposit when I was advised that I had been pre-approved for a balance transfer option with 12 months of 0 % interest with no fee. All they needed was my annual income. I was advised ( TWICE ) the credit inquiry was a soft pull and I assumed this to be true considering I have a USBank credit card. After spending time in their office, providing my income and employment information, the pre-approval was declined and I subsequently have a hard pull inquiry on my XXXX. The teller and/or " personal banker '' had little or no knowledge about their credit card products or how they worked. It appeared they were simply trying to get me to apply. I would not have applied unless I was truly approved. In fact, I asked about the credit limit and was advised that this could not be confirmed without a softpull! The softpull was truly a hard pull and a decline due to my credit card usage. ( I knew I had balances, assumed USBank did, too and this is exactly the reason I was interested in the balance transfer! ). USBank has caused my credit score to DECREASE due to their fraudulent sales and marketing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Hi, I am writing a complaint on US Bank Mortgage. I am a XXXX. I have been working with my client since last XXXX 2016 to sell her house. We have a contract. It has turn into a short sale. The bank, US Bank has been dragging there heels. Give us the run around no action of getting a answer whether not the offer has been accepted. Today, XXXX I spoke with relationship manager handling my client 's case and still no new updates whether or not the offer contract on file has been accepted. This is causing unnecessary delays. We have tried to delay the auction foreclosure process. I got a contract on this house and no response from the bank US Bank and no action. Just constant unnecssary delays. Please feel free to contact me where I can discuss further details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have reached out to chase and have spoken with several representatives regarding the removal of fraudulent charges not being credited back to the account as well as other fraudulent charges. When I removed the unauthorized user from the account on or before XX/XX/2007. I was contacted by XXXX representatives by the names of XXXX and then XXXX. only to be accused of having knowledge of the unauthorized charges. Chase has refused to credit me back any and all monies regarding to the fraudulent use on the account nor update the balance to reflect that the charges have been removed. I have been trying to get chase to right their wrong for years and they have taken no interest nor action to do so. Why should I be held reliable for the fraudulent charges when I did n't make them ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Today on XX/XX/XXXX I had tried to log onto my chase account and I could n't. I called chase to see why my acsess had been restricted and I ca n't get one piece of information about my own account. Nobody will help me to find the reason why I do n't gave an account anymore. They wo n't let me get my money out so I can close the account. Nobody contacted me about the fraud or the account closing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I filed a claim with chase for XXXX this amount was charged to my account from a vendor without my consent. This vendor is XXXX my wife and I stayed at their resort during our honeymoon. Chase asked my to provide docs showing that this amount was settled in cash I provided the receipts that were given to me by the venue to Chase right after I filed the claim. 4 months go by I do not hear from Chase at all and all of the funds are reverse out of my account without notice leaving now with OD fees and huge negative balance. I called Chase to see why this happened, the representative said it was because I never submitted any documents. After explaining to the representative that did in fact submit the documents right away the representative put me on hold and did some research and saw that the docs I submitted were never reviewed. He then proceeded to re-open the claim and the funds were put back into my account and the fees were reversed. Yesterday after nearly 4 months with no notification chase took the funds out of my account again with out notice and leaving my account in the negative with OD fees, this time they said that its because time expired and they cant collect the amount from the vendor, then they said that docs I provided are not valid. No one from Chase contacted me requesting any additional information and Chase never requested the signed bank copy from the vendor. How am I supposed to know that what they have is not valid if they do n't inform me? I spoke to a claims supervisor named XXXX and she stated that people over there do n't know what they are doing that 's why I had to speak to a supervisor, she was terrible and was not able to help me at all. In fact this woman kept taunting me through out the call. Please CFPB help me get this resolved. Thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to dispute the following information in my file. 
Account Name : CHASE MTG Account # : XXXX Loan # : XXXX 1. XX/XX/XXXX report XXXX late payment 2. XX/XX/XXXX report XXXX late payment 3. XX/XX/XXXX report XXXX late payment I am requesting that the item be removed to correct the information. 
I have scheduled ACH payment of {$1700.00} that applied to my loan XX/XX/XXXX and pay all my payment in the from XX/XX/XXXX On XX/XX/XXXX XXXX add escrow account to my loan and payment increased from {$1700.00} 37 to {$2700.00} Called XXXX to remove the escrow from my account so I can pay back the {$1700.00} 37 for XX/XX/XXXX payment they remove the escrow and pay XX/XX/XXXX of {$1700.00} 37 On XX/XX/XXXX the report XXXX late payment ask them to remove it ant is never append On XX/XX/XXXX, Again the add escrow account to my loan and payment increased from {$1700.00} 37 to {$2700.00} effective XX/XX/XXXX Called XXXX to remove the escrow from my account so I can pay back the {$1700.00} 37 This a have problem to remove.! and pay payment and on XX/XX/XXXX the payment increased up {$5500.00} after talk to the on the phone and to direct to my bank And wasting a lot a lot a lot of time I decide to pay full amount of the mortgage I called them asking for payoff amount they say they 're already send the payoff to a different company XXXX so I called XXXX to and I pay the Full amount of {$210000.00} and they close the loan. on XX/XX/XXXX, they are reporting XXXX and XXXX-day late payment on my credit effective on XX/XX/XXXX and XX/XX/XXXX Payment. called him and asked him to remove it after all the problems I 've been through they say they will and then they send this letter to contact the credit reporting agencies to explain the late payment to update your credit report On XX/XX/XXXX

Company response to consumer: Closed
Consumer complaint received 2015-08-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My husband received a call on his cell from a person named XXXX XXXX at this number. When my husband asked who he was, what the call was in reference to and how he get my husband 's cell, XXXX refused to give any info except he was having me served and after giving his phone number XXXX hung up. My husband then called the number back to give them my cell number and a female answered with threatening actions and curse words. I came in and my husband asked me to speak with the female who would not give her name, but proceeded to yell and scream at me that I owed a debt and the debt was being turned over to the IRS. After a minute or so I was finally able to get her to be quiet for a moment and asked what company she was calling from and for what creditor she was calling on behalf of. She rudely did not want to answer, she only wanted to threaten me that I was being served and the matter would be turned over to the IRS. I finally got her to say the original creditor was Chase Bank for a sum of over {$19000.00}. I do not have any accounts with Chase Bank and I informed her of such. She continued to yell and curse me out and by that time I simply told her to do what she needed to do and I unpolitely told her to XXXX and at that point she started cursing at me again and I hung up. It seems strange to me that this company would call my husband instead of me and be belligerent to both of us to such a high level.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
Chase Bank Card # XXXX is showing on all XXXX bureaus. When speaking with the reps at Chase I have been given another name of a collections company. XXXX XXXX Credit. This account was opened in XXXX and should be removed from my credit report. I am not even sure this account belongs to me. The only Chase card I had was dismissed in a personal bankruptcy in XXXX. Chase kept selling the account. Collection companies uncovered during conversations with Chase and credit bureau reports. 1 XXXX 2.XXXX ( collections ) 3. XXXX. Non of these companies have contacted me in writing about this account. Acccording to the FCRA it should come off my report. Please help. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Santander Consumer USA Holdings Inc.
State: OH
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 am requesting my name be removed from a car loan with Chrysler Capital effective immediately. I have no affiliation with this vehicle nor did I sign any documents connecting me to this debt. I have been trying for years to get this vehicle off my credit with little to no help from Chrysler Capital. I was under the impression this issue has been resolved since I received a letter from XXXX  dated XX/XX/2019 stating this item was Deleted from my credit report. This item does not appear on my XXXX XXXX for XXXX  or XXXX. My credit score based on XXXX XXXX for XX/XX/XXXXis XXXX and XXXX credit score is XXXX. I am in the process of trying to purchase a new house and was denied the loan due to this encounter and my credit score appearing as XXXX. This debt is affecting my credit tremendously and I am requesting for this to be removed. 
The owner of this car is from from XXXX, New York and his girlfriend is from XXXX. Im not sure if he still resides in XXXX, Ohio. The car was basically stolen because the monthly payments are not being made. I have never attempted to make a payment on this account because it's not my car or obligation. I have not seen nor talked to the owner in over 5 years. I have made several attempts to contact him with no success. 
The car dealership where this car was originally purchased has since gone out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX and transunion XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: U.S. BANCORP
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/2016 I purchased XXXX items from XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ) with my VISA credit card. When I was billed a charge of {$1000.00} was added to the XXXX charges of {$100.00} & {$25.00}. I phoned the company which then apologized ; the young man who charged me was fired. However, XXXX continues to charge me the {$1000.00} despite my phoned calls explaining what happened. Their letter of XX/XX/XXXX threatens to report me to the XXXX consumer reporting agencies unless I pay t he {$1000.00}.

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 2015-06-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Re : XXXX XXXX XXXX, SS # XXXX, XXXX XXXX XXXX, XXXX, MA XXXX : XXXX Second Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX Satisfaction and Discharge of Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX for Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX Whom It May Concern : This complaint and attached documentation is to prove the Expiration of the Statute of Limitations, inaccurate, fraudulent Charge Off credit reporting, and denial of credit and selling of HBSC account to XXXX XXXX XXXX as Statute of Limitations has expired for the above referenced XXXX XXXX XXXX. 

HBSC did not accurately report payment history of accounts and I request the information be removed from Credit Reporting agencies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation