BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-15
Company: Advance America, Cash Advance Centers, Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Left a voice mail on my phone threating to serve papers at work, they also spoke to my supervisor, and told her they were going to serve papers XXXX at work. Then this person threatened me with criminal charges. Check fraud t be exact.

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 2016-09-13
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I sent out a Cease and Desist letter to have Advance America stop all collections efforts. They sent out a letter in the mail which I consider a scare tactic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Gurstel Law Firm, P.C.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Gurstel Chargo has committed numerous FDCPA violations related to a dunning letter sent to consumer dated XXXX XXXX, 2015. In the letterhead of the 'dunning ' letter Gurstel Chargo claims to have offices located in Nebraska . Checking with the Secretary of State 's Office, no licensed collection agency by that name exists. Furthermore, the letterhead represents Attorneys at Law but has a 'disclaimer ' in the body of the letter that states : " At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. '' - If an agency incorporates the use of form collection demands on attorney letterhead the agency MUST incorporate " meaningful attorney involvement '', into its collection process. 15 U.S.C. Section 1692e. These are just a few violations regarding a dunning letter sent to consumer dated XXXX XXXX, 2015. 
Consumer will file a federal and state lawsuit against Gurstel Chargo for violations of the FDCPA, FCRA and TCPA if Gurstel Chargo continues to contact consumer by mail and/or telephone after receipt of dispute notification. Consumer wishes Gurstel Chargo to 'cease ' all contact with consumer as consumer does not owe a debt to Gurstel Chargo . Consumer has no fiduciary, contractual obligation to pay Gurstel Chargo anything. There is no payment history, nor products, or services that have been rendered to Gurstel Chargo, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of -household and possesses no property of value. Consumer 's federally protected income presents a 'genuine issue of material fact ', that will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will 'tender ' as evidence in a court proceeding if Gurstel Chargo pursues this matter. Consumer refuses to be a victim of 'unjust enrichment ' or extortion. Consumer thanks CFPB for providing this venue as documentation.

Company response to consumer: Closed
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I obtained a secured loan with XXXX XXXX XXXX XXXX for {$1000.00} on XX/XX/XXXX. This is not an actual loan where they provide {$1000.00} - it is an artificial loan where they are paid XXXX XXXXXXXX to report on my credit positively. Long story short - I had my credit card on file and I had been charged monthly without any issues. For some odd reason, during XXXX and XX/XX/XXXX- my card payments did not process and I was slapped with XXXX late payments. I reached out to the company and asked them why they did that considering that my card on file was not removed. There are a lot of complaints about this company for screwing over their customers by refusing to refund people. They claim they would refund XXXX XXXX or more of what I paid but I haven't been refunded for anything. I just want those late payments removed because I did NOTHING wrong and it is on their end for having failed to process the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Advanced Call Center Technologies, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently have a part time job and unable to pay for my debt that 's been sent to collections. Spoke about a payment plan I also can not commit based on my income. It 's frustrating to know how the government deferred my student loans based on my income but this company can not do the same. I addressed I do NOT wish to abandon my financial responsibilities, but with their repeated calls everyday ( 4 times average calls throughout the day ), they expect me to already have a new job when In fact I 'm still looking for a full time job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Conns on XXXX XXXX to notify thenm that my settlement on the account was paid in full in XXXX XXXX. They said it would take 30 days for their system to reflect the paid in full status. Since then I have continued to receive mail and phone requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Trident Access Management is on my credit report. I had to XXXX the number and it took several days for someone to finally pick up. I did not have a file or reference number because I never received any information about the debt so I did not know I owed. The customer service rep informed me that they sent 2 letters out. One letter was sent 2 years ago and the other 1 year ago. She confirmed it was sent to the wrong address. An address which I have never resided. They have never contacted me by phone or email either. Although she confirmed having the wrong info, they still will not verify the debt and it still remains on my credit report. They said they will not remove it even if I pay although they know I was never contacted about the debt. I believe this is unfair credit reporting when the wrong address was verified to me. It has been 3 weeks since correcting the address and they still have not sent any verification that would give me a chance to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I was at work when I received an email from Chime at XXXX XXXXXXXX XXXX 

The email contained the following : Hi XXXX, We have attached the account statement you requested. Please be aware pending transactions will not be reflected. 

You can download your Spending and Savings Account statements at the bottom of the Settings page in your Chime app! 

You can also download your account statements at www.chime.com. Select Statements from the menu on the left-hand side and select the month ( s ) you would like to download. Your current statement will be available no later than the 5th day of the next month. 



Cheers, The Chime Team Then I received an email at XXXX asking me to take a survey regarding my call experience. 

I reached out to chime at XXXX XXXX  XXXX and I was notified that someone called with my information stating that they are me. The caller requested a statement from my bank account. 


I specifically asked for chime to put extra security measures on my account but they refused to do so. The hacker has now hacked into my mobile service service provider, and attempted to get into my email. 

Chime refuses to address the issue and I am a valuable customer. My information should've never been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They continue to harass me with automated calls despite having told them they have reached the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-04-20
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a forbearance plan XXXX of 2020 under the Cares act due to the Covid-19 pandemic. In XXXX, I notified my mortgage company i was ready to resume payments. The sent me the Documents on XX/XX/XXXX, they were received back XX/XX/XXXX. I resumed making payments in XXXX, I was not allowed to make payments online so every month I had to call, and sit on hold for a least 20 minutes at a time just to make a payment. In XXXX, Loancare started reporting me as delinquent, I disputed this in XXXX and the late payments were removed. keep in mind, they still had not finalized my paperwork or forbearance. In XXXX, finally, my forbearance was processed and i was allowed to resume making payments online, no more sitting on hold. Unfortunately, they also reported me as being delinquent for 11 months, again ... I disputed it with them again, and today received a letter from them claiming that the reporting is accurate. Mine and my husband credit reports are now reflecting 11 late payments from Loancare that were covered under the Cares Act. I am asking for help to have them 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 explanation
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I noticed on my credit report that my card with Citibank ( Home Depot ) had been reduced from {$50000.00} to {$2500.00} on XX/XX/2021. I called the card that day at XXXX and spoke with a representative in Customer Service to find out why it had been reduced and to find out when the adverse action letter would arrive so I could see their reasoning. She told me that it was an issue of inactivity and that the letter had been sent on XX/XX/2021 and would arrive in 5 to 7 business days. 

I gave it longer than that to arrive and when it did not arrive, I called again on XX/XX/2021 at XXXX and spoke with Customer Service again and asked why the letter hadn't arrived and if it had been sent out. The representative said it had been sent out on XX/XX/2021 and that I should see it in 7 to 10 business days. When I pointed out the day we were speaking on was the XXXX business day and if I could have a copied emailed to me, she had me wait and transferred me to the Credit Department. 

Their I spoke with a gentleman who checked the account and at first said it had been sent and that it would arrive in 7 to 10 business days. When I pointed out the date, he then checked again and said that one had not been sent out and that it would not be sent out because the decision didn't have to do with my credit worthiness. When I pointed out that not only was I long time customer in good standing but that their decision had damaged my credit score and then asked who I could appeal to, he said there was no appeal and that my only option was to let them pull my credit again, thus damaging it more with an inquiry. I also asked if they had sent out any notice that they would be reducing my limit due to inactivity and he said that no, they did not do that, that it was simply in the terms.

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 2016-05-26
Company: Hirshberg Acceptance Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has been garnishing my State taxes the past eight years and recently have begun garnishing my wages and attempting to garnish my bank accounts. I have never received any information as to what the debt is that I owe, how they acquired it and how much it is, or whether or not there is an option to make monthly payments. The only contact I receive from them occurs after a court date that I was not made aware of, usually stating that I owe them the exact same amount every year and that they have been awarded my stat taxes. Recently I attempted to call them to find out the nature of this debt, no one answered the phone and my call was not returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which CBNA is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received a response from them and they did not update the credit report as disputed. 

CBNA is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

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 2016-11-06
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX I received alerts from both XXXX XXXX and XXXX XXXX that new items were on my credit report. Midwest Recovery Systems reported that I have a collection account on my reports. I do not have any collections, I pay all of my bills on time. I have never received any dunning letter from this company whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There are three accounts on my credit that do not belong to me I need these off my credit report I have a notarized affidavit with an FTC regarding this and I have been disputing these accounts since XX/XX/2020 I just dont understand why the bureaus are not answering back or helping me out regarding this matter I am getting frustrated XXXX XXXX XXXX - XXXX XXXX XXXX

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 2021-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, Chase closed a new checking and new savings account without offering any explanation. I had done nothing wrong this account - merely opened the account, funded it with {$15000.00} to meet the conditions required to avoid a monthly fee, and begun using it. This seriously disrupted my finances as I could not access my savings, and contravened their advertisement that prompted my application. See complaint XXXX. 

Today ( XX/XX/XXXX ), I applied for a credit card in branch after receiving another advertisement. However, I was unable to complete the application process. The associate directed me to call a number - XXXX. When I did so I, I learned that Chase had not only closed my savings and checking accounts. In the phone call I learned that as of XX/XX/XXXX, they had banned me for life from mortgage, checking, savings, investment, credit, and auto loans - without the opportunity of appeal or explanation. Chase did not even alert me to this ban, as they are required to do. 

Chase refuses to offer an explanation or recourse for being barred from access extremely important financial tools. It is discriminatory to exclude people from mortgage applications - an extraordinarily important financial tool - without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
acct with XXXX  XXXX XXXX XXXX is showing a balance of XXXX owed with late payments past XX/XX/2107 to present date. it is showing missed payments from XX/XX/2017 and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from XXXX  XXXX XXXX was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: ASSOCIATED BANC-CORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It started about a year ago with getting checks cleared for an insurance claim and the myriad of demands from your department that even the insurance agent didn't know how to complete. Even the SIGNED OFF CITY PERMIT of the completed work wasn't enough. Instead it took a call to our state Attorney Generals Office to resolve the issue. 

Every time I called about the insurance claim, I had to start over with a new customer service agent who could only email them and get a response in 3-5 days. And, everything had to me through the USPS. Letters I got said I had 10 days to return the required documents. The letters got here in 8 days. Then, the letters were very unclear of what you wanted - Anytime the letter has the words " we may require one of more of the following '', that leads me to believe that even you don't know what you need. This took FOREVER to get answers. 
I refinanced at a new bank and have left AB ( or are trying ) ... 
Now, I get a mortgage payoff letter from you on XX/XX/XXXX. Today I get a letter stating that I still owe for XXXX and IT'S LATE with a late fee ... I've always made auto transfers from savings to mortgage and I left more than double the amount just in case. On XX/XX/XXXX, I get an email alert that the auto transfer failed because the account was closed. It was obviously the mortgage because the savings remained active well past XX/XX/XXXX. 
Today I had to make an electronic transfer into what I was told was a 'closed account ' just to keep you from tarnishing my PERFECT credit rating. When I spoke to the customer care, he couldn't figure it out and I was even on hold for 21 minutes while he worked with someone else. 
Today I called because the payment hadn't posted and she said this was already reported to the credit bureaus and it was my problem to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Hillcrest Davidson & Associates
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried reaching out to Hillcrest Davidson saying I live at that address XXXX XXXX XXXX my name was on there account as long with someone one else I didnt know when I ask for them to remove it they tell me I have to contact someone I dont know I refuse to call some dude I didnt live at that address at that time nor I didnt give nobody permission to use my information so they tell I couldnt get my name off that account even tho somebody else is on it as well and they refuse to give me any information regarding account I so called have

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX Account Executive, XXXX # XXXX XXXX XXXX Processor, Retail PennyMac Loan Services , LLC Both reps were rude and not friendly. They scheduled a closing date and tim, XXXX XXXX, 2016 at XXXX XXXX. No one showed up. Nobody called to cancel or to reschedule. I called to speak to a manager. It has been four days and no one has called. I have XXXX different closing disclosures. The XXXX one has me borrowing almost a thousand dollars more than what I owe. Plus all the loan costs have changed. The loan costs, other costs have all changed. WHY? One disclosure shows Title insurance went from {$400.00} to {$400.00}. Why have all the figures for each specific loan cost changed? Seems to me they are just playing with the numbers to fool me into signing. I NOW FEEL LIKE I CAN NOT TRUST THESE PEOPLE AND WANT TO CANCEL THIS REFINANCE.

Company response to consumer: Closed with explanation