BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-08
Company: Check Security Associates, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XXXX, I received a call from XXXX @ XXXX XXXX XXXX. They stated that I owe a debt with XXXX, which I did not deny. The initial loan was for XXXX and they asked me to make them an offer. I was initially told that I could make a monthly payment arrangement. I told them I could pay them XXXX by XXXX XXXX to resolve the debt. This was not acceptable so he connected me with a Supervisor ( can not recall her name ). We went back and forth with her threatening me with wage garnishment unless I pay XXXX by the end of the month. I told her that XXXX has not even filed papers to sue me and there has been no judgment filed against me ; I knew that was false. She got disgusted and told me to hold on. I was at work and could not hang on and hung up. Then I got a call ( same day ) from XXXX XXXX saying he was another Supervisor and to please call back before they send over the garnishment to my employer. On XXXX, XXXX called again and I reiterated what I was willing to pay. He immediately put me on with XXXX who said that my offer was too low and told me I had to pay at least half the debt of XXXX by the end of the month. I told them to send the judgment and I was done and to not call me any more. They called me 4 more times in a row, twice from a XXXX number and twice from a private number. This debtor has never sent me a letter in the mail or contacted me before yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Pinnacle Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In the mid part of 2015 I pulled a credit report and noticed I had XXXX accounts listed with Pinnacle Credit Services. I immediately contacted them and was told I had XXXX old bills with XXXX. XXXX account was for {$440.00} which I paid because I knew the account was mine. I begin to question the other account they had listed for {$190.00}, I was told that since I did not recognize the information that I should send them a letter disputing this information and request validation of debt which I did on XXXX/XXXX/2015. I received the confirmation that they received the request as well as following up with a phone call to make sure they received it. I have since called on several occasions to see if they have been able to verify the debt. I have been told each time that they have not heard back from XXXX even though it 's already been 4 months. My last call was on XXXX where I spoke with XXXX and who told me the same thing. I proceeded to ask her that should n't they be able to provide this information in a more timely basis and her answer was that it could take months. My understanding was that they had 30 days to validate the debt and if not then the trade line should be removed from my credit report she in return stated that was not true. I am unsure how to proceed with this company as I am getting no where. I would like it removed from credit report ASAP as it has an impact on my credit score. This is an account that is not mine and really feel it is unfair to pay for something that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: ATG Credit, LLC
State: FL
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 contracted XXXX services in my residence through XXXX XXXX back in XXXX. For installation services, they claim they sent me an invoice for XXXX {$49.00} by mail. I never received such invoice. I receive several bills by mail and never failed in promptly paying any bill I received. As a customer of XXXX, I requested, in at least XXXX occasion, support services from XXXX during the period I had XXXX in my apartment. Support services were provided normally and no debt was ever mentioned. If I was in debt with the company and they had that in their system, why is it that I requested a service and the service was rendered without ever mentioning any debt? 
Now, 6 months after I canceled XXXX services, and more than one year after the installatoion date in XXXX, an open collection account with XXXX is showing in my credit report. I chatted with a representative of the company and they told me the invoice was sent in XXXX ( the XXXX I never received ). XXXX has always had my address, e-mail address, phone number and, more importantly, a valid credit card on file. Why is it that they never sent me any communication, verbal or written, that I had an active debt of XXXX {$49.00} so I could pay for it. Why have they never charged my credit card they had on file for the XXXX {$49.00}. Why have n't they refused to offer me support service if I had an open debt with them? When I asked their customer service representative, the only answer I got is that an invoice was sent to me, once, in XXXX. And with that, they assumed I was a bad payer ( even knowing that I paid all XXXX monthly fees on time for the 7 months I had the service. This is absurd. 
They sent my debt for collection to ATG Credit. After chatting with XXXX 's customer service representative, I then immediately called ATG Credit and paid for the pending XXXX {$49.00}. I also queried ATG 's customer service representative about their having to notify me before hitting my credit file with an open collection account. They claim they also sent me a letter. I never got this either. I honestly doubt any letter was sent. Again, I would never ignore or fail paying any open debt I knew I had. I have virtually no debt. I carry no credit card balances ( I pay all balances monthly ) and have XXXX leases I pay religiously every month. 
After the collections account was sent to Equifax, my credit was hit by XXXX points because of that. This is not fair. I can not pay a debt I never knew I had. 
Now I am shopping for a home and was looking for alternatives to get a mortgage. These XXXX points can considerably increase the financial cost of a mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Regional Management Corporation
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXXRegional Finance ( RF ) is placing a " Forced Placed Insurance ( FPI ) '' charge on XXXX XXXX customers, including myself, according to XXXX the total XXXX employees that I spoke with. Basically, I had liability & uninsured motorist insurance on the car from day one. I was hit with this ( FPI ) in the sum of {$1800.00}, which was broken down into payments. FYI - XXXX person told me monthly, another person told me quarterly. They began charging me from XXXX forward. After getting in contact with me in XXXX, I upgrade my policy to full coverage as of XXXX XXXX, 2015. Regional Finance 's out source company XXXX, credited Regional Finance back {$780.00}. Regional Finance however is still charging me $ XXXX. even though I am in compliance with full coverage insurance. In a follow up conversation with Regional Finance, after talking with XXXX, a new number and explanation was submitted that still does not make sense. According to a supervising representative of the company, XXXX charged them {$1700.00}, plus XXXX XXXX XXXX applied a one-time interest fee of {$150.00}. The {$1700.00} was supposed to be applied for XXXX. According the supervisor, the {$780.00} credit was against the {$1700.00}, leaving a balance of {$920.00}. XXXX, Regional Finance and I have spent most of XXXX/XXXX/15 on the phone back and forth to understand and receive a satisfactory explanation. I do not understand why I am being charged for 12 months when the lapse time covered XXXX mos. 
I am currently paying MY full coverage and the XXXX that added to my account. I have no problem paying for the covered months but if they have been reimbursed why am I being forced to pay for 12 months. Again, even the multiple employees that I spoke with could not make sense of this. I am asking the BCFP to investigate these insurance companies for these types of practices. 
I believe this is a bad and unfair business practice financially effecting millions of Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Receivables Performance Management, LLC
State: VA
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:
Receivables Performance Management is a 'supposed ' collection agency that has put an account on my XXXX credit report which is NOT MINE. I disputed this a year ago, XXXX 2014, through XXXX and it was removed from my account. 

Well, when I went this week to get a Home Equity Loan ( 100 % equity in my home and XXXX credit score with XXXX ) I was denied because of a {$83.00} 'collection ' for XXXX XXXX that Receivables Performance Management put BACK on my credit report in XXXX 2014. 

When I called XXXX and AGAIN disputed this I was told about them putting it 'back ' in XXXX 2014, and I was given the name and number for Receivables Performance Management, XXXX. I called the number numerous times and it rings and rings and then you get what sounds like an 'answer ', but it goes SILENT, no person, no voicemail, nada, zero. 

So, I got online and found ANOTHER NUMBER for them and this number just goes to a voicemail for a XXXX '. After reviewing the numerous complaints online I found that XXXX ' NEVER RETURNS CALLS. This is a total SCAM COMPANY. 

Their address is listed as follows : Receivables Performance Management | XXXX XXXX XXXX XXXX | XXXX | WA | XXXX. 

I know that you have had MANY complaints filed about this company, please, please DO SOMETHING TO STOP THEM as they are ruining people 's lives, myself included. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.

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 2015-10-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2014 I used Chase internet bill pay and processed my home payment. In XXXX they contacted me and said the payment never went through. They apologized and removed the late charge. They said they were having maintenance or the system was down and took my payment over the phone. They never told me they would be reporting to the credit agencies I was late. I was late but it was not my error. I have requested several times for this to be corrected and they have refused. I recently was declined credit due to this specifically being on my credit reports. I have called, write letters, etc., but they are unwilling to correct their mistake. They acknowledge that by key strokes they can see that I attempted several times to log on between the XXXX of the month of XXXX and then not again until they contacted me on XXXX XXXX. This clearly is because I thought the payment went through. I have a long tenure with Chase and do not deserve to be treated in this manner. I pay my bills through internet bill pay every month and have never had a problem with the payment being processed. I simply ask them to correct this as a systemic error.

Company response to consumer: Closed
Consumer complaint received 2016-07-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I recently had a credit card account closed by Chase Bank. I have had this particular card since XXXX of XXXX and pride myself on having a positive long term credit relationship with Chase. I had received a letter stating that the account would be closed due to inactivity if not used prior to the card expiration date of XXXX XXXX. I promptly made a purchase with the card and paid the statement in full once received. Today, XXXX/XXXX/XXXX, I contacted Chase Bank as I had not received my replacement card yet. I was informed by the representative that my account had been closed. When I referred to the letter I received and stated I used the card as instructed, I was told that the letter stated the card would be closed regardless. Unfortunately, I do not have a copy of the letter from Chase, however I have received similar letters from other banks and once I used the card they have always been renewed. I believe this action by Chase Bank is fraudulent and negatively impacts my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Delinquent account

Complaint:
Chase card services, like most financial providers, urges consumers to enroll for online statements, as it reduces costs. I enrolled to receive statements and information online, but unfortunately they do not tell you that late statements ( meaning you did not pay within the grace period ) are not sent when you elect the online/email option. For background, you should know that I had never had even a single delinquency in my XXXX year credit history until now. Today, I have a XXXX day late because Chase could not be bothered to send me a late notice via email nor call me as a courtesy prior to being XXXX days late. I immediately paid the balance when contacted at XXXX days late. Believe it or not, a single late in XXXX years has affected my credit score and resulted in a higher rate for a mortgage I am in the process of obtaining. Had I known that I would only receive a courtesy late notice if I had kept my mail-only election, I would not have chosen the online option. I 've contacted Chase, but they have indicated that they will not remove the single delinquency and improve their online notification process. In the meantime, my mortgage will be at a higher rate. THIS IS VERY POOR CUSTOMER SERVICE. They need to improve their process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 51 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 30 days gives a reason to immediately remove those items from my credit report it has been over 51 days so they should be deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax date breach and may have got into the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XXXX 2015 I successfully applied for a XXXX Southwest Airlines Rapid Rewards credit card through Chase bank. I applied on-line through the Southwest Airlines website by clicking on a banner advertisement. The banner clearly stated that if I successfully applied for a XXXX Southwest Airlines Rapid Rewards credit card that I would be eligible for XXXX bonus points if I spent {$1000.00} in the first XXXX billing cycles. I read and re-read the credit card contract and offer multiple times and decided to apply. My application was instantly processed and approved. I received the credit card shortly and proceeded to use the card to meet the {$1000.00} spend requirements. Within the first billing cycle I achieved the spending requirements and awaited the addition of the XXXX bonus point to be added to my Southwest Rapid Rewards account. I was aware that there was a delay of XXXX to XXXX weeks to process the bonus. So, when my bonus miles did not get credited to my account after the first billing cycle I was not concerned. On XXXX/XXXX/15 a {$100.00} statement credit was applied to my Chase Visa card. This seemed faintly familiar since I believe it was also part of the XXXX Rapid Rewards credit card promotion. On XXXX/XXXX/15 my Rapid Rewards credit card was credited with XXXX points. In XXXX I had not seen the XXXX rapid rewards points credited to my account. I had operated under the impression that since the original offer was for XXXX points was for {$1000.00} spent in the first XXXX billing cycles. XXXX should have been the end of the first XXXX billing cycles and I had still not seen the credit. On XXXX XXXX I called Southwest Airlines at XXXX and spoke with a customer serviceperson. She explained that my points should be coming as soon as the next bill/cycle posted. On XXXX XXXX I used the automated website email and submitted the same question to them. Later that afternoon I received an email once again stating that reason for the delay was due to the XXXX to XXXX week processing time. On XXXX XXXX I called Southwest again and spoke to a customer service person and they said they will inquire directly with Chase Bank about the issue. On XXXX XXXX I got an email from Southwest stating that Chase Bank had denied that I signed up for the XXXX bonus points offer but that I had actually signed up for a different offer of XXXX bonus points and {$100.00} off your first credit card bill. I called Chase Bank directly at XXXX and stated to that this was incorrect and that I had clearly clicked on the banner for the XXXX bonus points offer. Chase denied that this was the case. Chase claims that I applied under the XXXX points / {$100.00} off XXXX statement offer. I asked to speak to a supervisor or a manager and they refused to put my call through but gave me a fax number. They stated that my claim would be denied even if I faxed a letter in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Application processing delay

Complaint:
My husband and I are longtime customers of Chase. We applied online about two weeks ago for a Chase credit card. In the past, we have received an instant decision which has also always been positive with a large credit limit. This time a message appeared saying it would be reviewed and that Chase would get back to us. When we inquired at a Chase branch, the representative was not engaged and said she had no notification of our application status in her system. I also registered my comments on the Chase website. 
I still have not heard anything back and would like to know the status of our application. Perhaps that 's not too much to ask of a bank that is the size of Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Chase Sapphire Rewards card. We applied and were approved and added our son and his wife as an authorized user. The cards came and we began using them, replacing automatic payments and making this the primary so as to earn rewards faster. All transactions were approved for about a week or so then we logged in to make a payment and our access was restricted so we called customer care. They spoke in very cryptic and vague details saying it was under fraud alert and escalated to another department for review. We asked for reasons why and were given none. All the charges made had been for bills i.e cable, phone, insurance so we thought this was odd but nevertheless figured it would get sorted out. We have called and spoke with numerous departments and spent hours on calls being told they would call us back. We filed a CFPB complaint and received a letter from Chase to call their account rep XXXX XXXX. We have left multiple voicemails and he has left one voicemail returning our voicemails at a odd hour of day. We continued to call and leave voicemails hoping to reach him but did not. Late last week all of the charges on the card were suddenly reversed and we were charged late fees for various accounts i.e cable, phone, auto insurance. We have no idea what is going on with this credit card account we just know this is the worst experience EVER from customer standpoint we have ever had in our lifetime. No communication, no explanation all while restricting access to view and bill our credit card balance giving us anxiety that they will somehow manage to ruin our good credit.

Company response to consumer: Closed with explanation