BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-25
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XXXX a message was left on my voice mail from XXXX XXXX XXXX with XXXX and XXXX XXXX XXXX treating me with XXXX and issuing a warrant for my arrest and contact him at XXXX he left this same massage with my brother and at my place of employment I called back and said he was calling it regard debt from check into cash comapny from 2009. I inform him that the treat of criminal charges was again fair debt collection practices act and i was going to file a complain with cfpb and the state attorney. he reply said that the FDCPA doesnt applied to him because he is a lawyer. then is started to be rude and calling XXXX that i was thief and hang up phone. Then 2 mins later he call me again that contact someone at my work. I inform him that the law in state of California was protecting me and i did n't do anything criminal. the he starting to treating again claiming i was going to me arrested that evening and he can call me from any number and that he can said what ever he wants all that he was being verbally abuse calling XXXX and listen you XXXX, and using XXXX XXXX XXXX and XXXX XXXX that there was nothing i could do. i told him i was going to file a civil complaint and hang up the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18
Company: ESCALLATE, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was an emergency room patient at Presence XXXX XXXX, XXXX, IL from XXXX XXXX, XXXX through XXXX XXXX, XXXX. I, allegedly, was seen by a doctor belonging to the XXXX XXXX XXXX of XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I started receiving phone calls from Escallate , LLC, a debt collector apparently collecting for XXXX of XXXX XXXX, XXXX. I verified my home address with them, and they agreed to send a letter of verification of the debt. To this date, I have not received any verification of the debt, any written communication what-so-ever from the collection agency, or any statements or written communication from XXXX of XXXX XXXX, XXXX. 

The collection agency broke numerous provisions of the FDCPA in attempting to collect this debt, which are outlined in the attached letter. Additionally, XXXX of XXXX XXXX, XXXX, practicing in a non-profit hospital, XXXX XXXX XXXX, violated provisions of the newly-enacted IRS 501 ( r ) regulations, by failing to explain financial assistance policies and failing to send a 30 day notification of Extraordinary Collection Actions. 

After allowing the agency 30 days to send the notification they promised, I drafted a letter to the agency. On XXXX XXXX, I mailed a Certified Letter to Escallate , LLC, outing the laws that they broke and requesting that they cancel the account. I never received a response to this letter, which is also attached. 

Lastly, I was notified that they placed the account on my credit report in XXXX, XXXX, which means they violated further laws by failing to verify the debt prior to it being placed on my credit report. They are also reporting the Date of First Default as XXXX, XXXX. Having been seen on XXXX XXXX, XXXX, the Date of First Default has to be at least XXXX XXXX, XXXX, under provisions set forth in the FCRA. 

It is my firm belief that the collection agency engaged in deceiving practices by promising to send me written verification of the date and failing to do so, thereby exhausting the 30 days consumers are allowed to dispute a debt prior to it being reported to the credit bureaus. They have violated multiple provisions of the FDCPA FCRA, and 501 ( r ),

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 2015-07-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank, Chase, did not process debit card purchases/checks in the order in which they were received, and also waited an unreasonable amount of time to debit my account for several purchases. The result of this was an overdrawing of my account. 

For example, I wrote my girlfriend a check for {$630.00} as my share of rent. She deposited this check on the XXXX of XXXX, and my account was not debited until the XXXX of XXXX. 
I ordered checks on the XXXX of XXXX XXXX noticing I was out after writing one for my girlfriend ) and my account was not debited until the XXXX of XXXX. Meanwhile, all purchases I made using my debit card were immediately processed. This delay of processing checks and account fees XXXX IE ordering checks XXXX while immediately processing debit card payments has resulted in an overdrawing of my account. As an example of delays in processing debits to my account, you will see on my statement an {$80.00} ATM withdrawal, which is described in the statement as " ATM WITHDRAWAL XXXX XXXX XXXX '' indicating that I made the withdrawal on XXXX XXXX. On my statement, this is not debited from my account until the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-19
Company: JPMORGAN CHASE & CO.
State: SD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have credit monitoring in place and received notice of XXXX recent inquiries on my credit report XXXX from Chase Bank and XXXX from XXXX Bank. I XXXX are banks that service/offer credit cards branded by XXXX. 
I called both banks to ask why the inquiry occurred and was told that I had applied for a credit card on the XXXX web site by each bank. I told them I did not apply, nor want, a CC from their bank and to cancel the cards immediately. My wife then checked her credit report and found the same thing from these XXXX banks. She also called to cancel XXXX fraudulently authorized credit cards. We received the Chase bank cards in the mail on XXXX/XXXX/16 along with another mailing that we had also been signed up for a Credit Protection program that has a monthly fee that requires us to opt out manually. XXXX denies that any of this occurred from their web site as it takes more than a simple button click to apply for the XXXX credit cards. I 've put a fraud alert on my account and my wife 's account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25
Company: POPULAR BANK
State: DC
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I received a combination letter/form fromPopular Community Bank. The letter indicated that I had an inactive account ( the account number was on the letter ) that would be turned over to the XXXX if I did not take some steps to activate the account by a date in XXXX. I called the number on the form ( I checked on line and the number on the form was the number listed for the bank ). I spoke with a representative to confirm the contents of the letter and asked how to just withdraw the funds. I was told that the account needed to be reactivated first before the withdrawal could be made. I asked if the request for withdrawal could be made at the same time as the activation request. I was told yes and returned the form with my request for the withdrawal of funds. On XXXX XXXX, 2015, I received a call from E-Loan where the original account had been opened. I was told that if I wanted the funds withdrawn, I would need to do so on the e-loan site not in writing as previously told. I took the number and called back ( the number listed on the e-loan website was the same number I had been given ), talked with someone else who gave me the same information. I spoke with XXXX representatives of e-loan and XXXX representatives of Popular bank. Each said I needed to follow the e-loan process. I went on line to make the request yesterday. When I entered my information to set sign into the account ( I was really setting up and account because I could not find the original account information ), I received an error message. I also sent an e-mail to Popular Band customer service but have received no response. I am worried that I have been the victim of a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: State Collection Service, Inc.
State: MN
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 credit score was recently reduced from a creditor claiming that I owe money regarding a traffic citation. I had made disputes on my report regarding several alleged citations issued by the state of Wisconsin and was removed from my credit report. 2 months later, a new collection agency appeared to have maid another claim. At no point had I ever made a promise to pay to the state of Wisconsin either through verbal or contractual agreements. 

I would also like to add, throughout the last 10 years these creditors have continuously reported to the credit bureau 's for citations that have been paid. When asked why it had even reached a collection agency being the citations were paid on-time, the response was " because you did n't pay a {$5.00} fee along with the citation. '' This includes XXXX XXXX XXXX XXXX XXXX. 

This has been going on with the state of Wisconsin for MANY years now. I ca n't help but feel that I have been treated unfairly by the state as well as their creditors. These traffic citations has not only hurt my driving record, my credit report as well as my occupations. At what point is this punishment enough? These citations have dramatically impacted the quality of my life ... .. A TRAFFIC CITATION. 

My credit score dropped XXXX points from this most recent attack. I really had high hopes in creating a better financial profile for myself being I 'm going into accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I joined their XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX that operates and manages your amazon store for you, in return you give them {$30000.00} up front to manage your store and then 30 % of your profits quarterly. They said they would not make one XXXX  from you in the first year till you made a profit, and that was in the contract that I signed. I first spoke with one of their recruiters who promised me that I will be having an AMAZON store up and running within six months of joining and, would be seeing a return on my investment of an average of 200 % or, {$450000.00} after the second year. They said they were running XXXX  amazon store as well as XXXX  XXXX amazon XXXX. They said they have a combined experience of fifty years plus and, had personal warehouses in XXXX that they deal with directly to order and would send my products to the United States for me. They said they would build my store to run on its own and all would need to do is give them an additional {$30000.00} for my products once they were ordered through their suppliers in XXXX. After joining I would have a monthly XXXX  call with them for the first few months and would be getting updates weekly or as things progressed. I did hear from them periodically, then all emails, XXXX  calls, and communication ceased. I was then emailed by a XXXX XXXX that I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed by XXXX XXXX XXXX on XX/XX/XXXX. I also found out that there were XXXX plus other victims of this XXXX  Scheme conducted by XXXX XXXX XXXX I also found out that they are still conducting business as usual event though they filed bankruptcy. There are numerous XXXX videos of XXXX XXXX and his team professing everything I just said as well as websites still up and running. I would like for all involved in the XXXX XXXX XXXX investors XXXX SCHEME held liable for taking not only my money but everyone else who was a victim of their lies and deceit. I would also like to be reimbursed not only for my monies lost, but for emotional and stress incurred by all of this. 

I paid them the {$30000.00} on XX/XX/XXXX for them to operate and manage my Amazon XXXX, which they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Waterfall Revenue Group
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A-1 COLLECTIONS SVC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you A-1 COLLECTIONS SVC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : A-1 COLLECTIONS SVC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: CONTOUR MORTGAGE CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In addition to my first complaint I wish to add this information. On XXXX/XXXX/15, after supplying Contour Mortgage with the last of the requested documents, which was an updated bank statement and gift letter. Contour Mortgage informed my loan officer, XXXX XXXX there was more documents and inspections that needed to be done. Well I also found out that XXXX XXXX was not XXXX certified. In my state of aggravation Contour Mortgage I proceeded to make phone calls my way from XXXX XXXX to XXXX XXXX then finally, XXXX XXXX XXXX. After speaking with XXXX, who said he was the person in charge of XXXX and the underwriter XXXX XXXX ), he made it perfectly clear that my loan was locked in and he would go over my loan file to make sure it was processed expeditiously, because I had advised him of the XXXX XXXX 2 ) extensions that had already been made with the seller and we were now going into the third extension with the seller ( HUD XXXX and there would be added expenses relating to this extension. On Monday, XXXX/XXXX/15, I called XXXX to find out how things were moving along and he said he would get back to me by the days end, which he did not, but I did receive an email from Contour Mortgage through XXXX XXXX. In this email there was a PDF attachment which states the new and " XXXX '' Conditions ( Prior to Approval XXXX. In the conditions it said I, ( the buyer ) needed to provide contractor estimates for Lead based paint, electrical, and HVAC system. These estimates have been provided and there is a lead disclosure and credit for work to be done. Also, the utilities can not be turned on to provide an inspection, because the repairs have to be done first, which there is an estimate that was provided as well. Contour Mortgage is also asking that the new estimates they want, MUST come from contractors that hold a valid license and XXXX policy and have Contractor Identity of Interest Certification etc, etc, etc. So, the requested documents I needed to provide went from XXXX to XXXX in a matter of a couple days. I am able to provide a PDF copy of the final demands that Contour Mortgage is requesting. All the information they are asking for was information they had in hand at the beginning phase of this loan application. I am upset they have me jumping through hoops that seem to never end. I can not seem to satisfy the underwriters requests. I have read others reports on the XXXX web site and found there have been others who are dissatisfied with Contour Mortgage Company. My realtor and I have been transparent through this process, but when we ask questions and demand answers, Contour Mortgage employees never answer, never return emails or phone calls or simply put, do n't have the answers, other than a XXXX loan has many steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CONTOUR MORTGAGE CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Mortgage lender overcharging me in closing costs. They have financed my upfront MIP into my loan which I asked if they can remove several times. They are also charging me this same upfront MIP again at closing. I met with bank, several times in reference to this and now on the day of closing, nothing has changed. They have finance {$5500.00} in my mortgage which I may add made my down payment of 3.5 % higher and now they also have that amount calculated within my closing costs. 
My issue with the closing disclosure is that it is very misleading as it does n't say anywhere on it that they have added my upfront MIP on the balance of my loan. The MIP is listed as one of my closing costs which they state can not be removed. It should be removed because it was financed in the balance of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: SIMM Associates, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from Simm Associates regarding a debt from a creditor I 've never heard of. I have never had an account with " XXXX XXXX '' or heard of this company. There is n't any other information about this company I supposedly owe. I have tried to contact the company, however I get a recording stating they are unable to answer my call at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Amsher Collection Services, Inc.
State: TX
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:
I received a notice from AmSher to collect {$450.00} on behalf of XXXX. They wrote they would settle the debt for {$270.00}. I called to explain the situation and inquire how the settlement amount had come about. the issue was escalated to the supervisor who in turn was unable to explain how they came up with {$270.00}. I explained that XXXX XXXX XXXX had reimbursed me only {$190.00} for the phone that XXXX wanted to charge me {$450.00} for and I was gladly refunding that money to XXXX or Amsher on their behalf. The supervisor ( XXXX ) was extremely adamant and recalcitrant that he was right and was n't listening to my argument. I even offered to show proof and evidence. I also mentioned the reason I was unable to collect the rest of the money from XXXX XXXX XXXX was because XXXX had not given me the rest of the documentation I needed on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: TENET HEALTHCARE CORPORATION
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
unable to contact agency handling debt to verify. Debt appears to be from 2011.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Sallie Mae and now XXXX was my prior servicer. I have been working at a non-profit, as I 'm working towards Public Service Loan Forgiveness. After discussing this goal with Sallie Mae on multiple lengthy phone calls, and switching to the correct income based repayment plan as instructed, I began making what I thought were qualifying payments. I even called a second time to confirm, as was told I was doing all the necessary steps. It was n't until just last year, when a very helpful customer service rep thru XXXX, made comment that most of my loans were not qualified loans, after paying on the loans for 2 years. After a relatively easy application to consolidate into a " XXXX '', which the very nice customer service representative at XXXX XXXX did for me, I am now on track for loan forgiveness, but {$150000.00} of my loans are now 2 years behind in payment. This is VERY financially damaging for me, as my monthly loan payment does n't even cover the current interest accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: DCI Credit Services, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called me once asking if XXXX worked here, I told them no. 

They called back a second time and asked if XXXX worked here. I told them no. 

They called back and left a message on the voicemail next, to which I replied in a voicemail that this was a place of business and they needed to contact their customers on their personal lines, not to call anymore. 

They called again today and I let her know I had already asked the calls to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation