BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: The Bureaus, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had an XXXX rewards card back in XX/XX/XXXX for the amount of {$770.00}. Due to hardship I was not able to make payments and It was sent to collection. The Bureaus Inc took over the account and is using XXXX to collect the balance on the account. However, the original balance of {$770.00} went up to {$930.00}. I have been contacting XXXX since XX/XX/XXXX to find out why my balance increased by {$150.00} but they have failed to provide that information. XXXX rudely refers me back to The Bureaus Inc for any information on the account and state they CAN NOT provide any information on the account except for settlement offers. I have been in contact with the Bureaus Inc since XX/XX/XXXX by email and i was able to get the original XXXX card billing information but they FAIL to provide a statement or Bill demonstrating or explaining the charges being added to the original balance. I keep getting run around about why they can not provide a statement showing the {$150.00} extra charges and Im just being told that they are charges added without a clear explanation. I am willing to pay for the collection, but i am not willing to pay for unexplained charges that two agencies, The Bureaus Inc and credit XXXX, can not discuss openly with me. I think its frustrating and unfair that they keep giving me a number but FAIL to demonstrate how they get from {$770.00} to {$930.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Tried to contact attorney on file, I even thought at XXXX point that maybe my sister opened this account illegally on me and I offered to pay however they never returned my correspondence. I just keep getting pre recorded messages that I need to contact them about an urgent legal matter with no option to push to speak to someone. Then I got notice to go to small claims court from another company but with the same credit card but it was the week after the holidays so I was n't able to make it to let the judge know this was n't mine so a judgment was made. Now I am being told I must pay over {$900.00} plus daily interest and appear in court next month or face a warrant. On the court documents there is no account info, no identification information other than a name and address and when I apply for credit I always use my middle initial unless it 's a store card because you are there and they use your photo identification for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed a inaccurate CHASE account with XXXX multiple times. The data reported bankruptcy status XX/XX/2011, debt amount, pay history to name a few are completely inaccurate and un true. 

I would like Chase to send verification and validation of the debt they are reporting to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25
Company: Exeter Finance Corp.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello. I began financing an auto loan with Exeter Finance in XXXX 2012 and at that time their customer service division was located in the U.S. Several months ago Exeter out-sourced the entire customer service division to a foreign country including customer service, insurance, finance, and all other matters relating to the loan. I have attempted repeatedly to speak with Exeter regarding new regulations received from my property insurer because the current customer service division is incapable of providing appropriate information regarding U.S. law - can not provide information on insurance requirements or answer questions of any kind. In fact the foreign-based customer service division now utilized by Exeter Finance appears unable to perform any function other than accepting payments. In addition, over the past four months I have received in excess of 7-8 calls per day from Exeter Finance regarding payments. I previously requested to change the due date of the loan closer to the XXXX of the month and it is now due on the XXXX however my pay date is between the XXXX-XXXX each month. A term of the loan provides a ten-day grace period and in each call I state the same information - a payment will be made on the account between the XXXX and XXXX of the month and request that information be noted on the account however it is NEVER done and I receive excessive collections calls from Exeter Finance and I 'm forced to repeat the same information in every call. Also Exeter has now DELIBERATELY MADE IT IMPOSSIBLE FOR U.S. CUSTOMERS TO SPEAK TO U.S. BASED EMPLOYEES AND FOREIGN AGENTS ARE NOT ONLY INCAPABLE OF PROVIDING FINANCIAL REGULATIONS AND INSURANCE REGULATION INFO THEY ARE 100 % UNFAMILIAR WITH THAT INFORMATION AND ARE NOT TRAINED TO PROVIDE IT AND COLLECTIONS CALLS ARE HARASSING AND EXCESSIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Check Security Associates, LLC
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:
Said people were Going to come to my house because I didnt return my call, The ladies name was XXXX. I have the calls all recorded and will be contacting an attorney. I was also advised to file a complaint with this Website and with my Attorney Generals Office.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: NCC Business Services, Inc.
State: NJ
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:
This is a landlord issue that has ended up on my credit report that I have been unable to remove or negotiate. 
I lived in the apartment for 2 years. I notified them that I was moving and why I was moving. They claimed I did n't give them proper notice and that I owed them a full month of rent because I moved out on XXXX XXXX. They stated that my rental contract tied me to that full amount. In XXXX of that year, they provided me incorrect information stating that on XXXX XXXX I was on a month to month contract so I did n't believe I was under contract at that time. Either way, I offered them the money from XXXX XXXX ( covering 3 days past my move out date ). The reasons I moved it which they were fully aware of was that I had a drug dealer living above me and the conditions were atrocious and I had a XXXX XXXX XXXX living with me. There were assaults, abuse, drug deals, etc. The entire building had been involved with alerting the office at least once to twice a month. Nothing was done. They stated " its hard to evict someone '' but its apparently not hard to try to collect a debt from someone because they sent this to collection instantly after I moved out. I guess it would have been more difficult to evict me than it would be for me to move out with notice and complaint. They have placed the full amount of the debt they state I owe on my credit report and have told me this will prevent me from getting credit in the future ( and it has ). Its not fair to force someone to pay for something saying the contract was broken even though they broke the contract as well by not providing a safe, drug free environment for ME as a tenant to live in. I do n't get to collect from them for that. I just have to sit back as a single mother and allow them to ruin my credit. I really have no recourse but to pay this debt or just never be able to buy a house or a car. And this is all because I moved out of a dangerous environment without what they call 'proper notice '. I am sure you will see that they were notified and that they also broke their contract. They are slum lords who prey on people just trying to survive.

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 2016-12-20
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please see attached letter, file named : " XXXX XXXX Complaint Letter Against Ocwen Being Filed With XXXX 2016 XXXX XXXX, XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Collection Service, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I would like to dispute a claim that is on my credit report. The claim is from XXXX XXXX XXXX XXXX in XXXX XXXX, Arkansas. I did not know this claim existed until I enrolled in XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they informed me that their records only go back to XXXX and apparently they had no information on the claim. I was told to contact CSI collection agency for further information. 
I would like to know how a clinic can say that I owe them money but have no record of services rendered. 
I called CSI and was told that I owe {$290.00} to this clinic for services that I have no recollection of. My son was a patient there up until XXXX but he was fully insured at the time with XXXX as I was a young single mother at the time. 
CSI told me that the services were for me and not for my son??? which is very confusing to me, because I was never a Patient at 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 2018-05-27
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I paid a {$300.00} payday loan to XXXX XXXX. The loan originated in XX/XX/XXXX. Upon recently reviewing credit score A deragatory remark is shows from Ad Astra Recovery debt collector showing XXXX XXXX account for {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: U.S. BANCORP
State: MI
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased a prepaid XXXX from Office Depot on XXXX/XXXX/XXXX. When going to use this card in XXXX I found that my balance was much lower than the {$200.00} I paid for this card. There were two transactions shown online on this card during the month of XXXX - one in XXXX and another in XXXX. These transactions were not performed or permitted by me. I called a number associated with US Bank, the company responsible for the card, to report fraudulent charges on my card. They told me that the card would be locked and to dispose of it and that I would need to start a claim process. I was told to fax certain information, which I did. In XXXX I received a form via mail to complete which I promptly did. As of writing this it is XXXX/XXXX/XXXX and I still have not received a new card. It has been over 4 months since I reported my card information stolen and over 3 months since I filed the form I was sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28
Company: U.S. BANCORP
State: CT
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I purchased a USBank XXXX prepaid card on XXXX XXXX 2015 and received an activation slip showing {$500.00} was loaded. With the purchase fee it came to {$500.00}. 

When I tried to use it that evening, it had been frozen by USBank for fraud. This was because a transaction had been attempted PRIOR to my purchase. USbank instructed me to fax in information and wait XXXX business days. Information was faxed on XXXX/XXXX/15 and I have not heard back. 

This is a serious scam that USBank is running in that they are knowingly selling compromised cards, and they are knowingly selling cards with sequential numbers so that thiefs can guess other card values and brute force the XXXX. If they knew the card was bad, they should have prevented its sale. Furthermore, I still have not received the funds I was owed despite faxing in information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
After I asked if I could make a smaller payment day of call and set up automatic payments each month the person on the phone said no they wo n't accept it and that they can serve my husband with a lawsuit even though he 's not on the debt because we live in California they are allowed to do that and also place a lien on my house even if the house is in my husbands name. The person said if I do n't pay the full amount that they will have to choose to take that action and sue my husband for the debt. I was told repeatedly they will do that and are able to because of the state I live in.

Company response to consumer: Closed
Consumer complaint received 2015-09-15
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
US BANK WILL NOT GIVE ME MY FINAL MODIFICATION PAPERWORK, THEY HAVE BEEN GIVING ME THE RUN-AROUND SINCE XXXX XXXX, 2015, ABOUT SOME PAPERWORK THAT WAS NEVER SENT OUT. I PAID MY 3 MONTHS OF XXXX PERIOD PAYMENTS. MY LAST PAYMENT WAS DUE ON XXXX/XXXX/2015, THAT WAS SENT ON XXXX/XXXX/2015 AND AS OF TODAY XXXX/XXXX/2015, I AM STILL WAITING ON FINAL MODIFICAITON PAPER WORK, I SPOKE WTH XXXX AND XXXX TODAY THESE PEOPLE HAVE NO KNOWLEDGE ABOUT MY ACCOUNT AT ALL. MY MORTGAGE ASSISISTANT PERSON HAS NO KNOWLEDGE EITHER, I REFUSE TO SPEAK WITH HER, I BELEIVE US BANK HAS DONE SOME ILLEGAL STUFF WITH MY ACCOUNT, AND THIS IS THE REASON I CAN NOT GET MY FINAL PAPERWORK SENT OUT TO ME, THEY WANT ME SCREW-UP SO THEY CAN TAKE MY HOME. THIS IS THE XXXX COMPLAINT I HAVE FILED. I AM SO FRUSTRATED WITH US BANK HOME THAT I COULD SCREAM. PLESE HELP ME I WANT TO GET THIS ACCOUNT STRAIGHTEN OUT AND START MAKING MY MONTHLY PAYMENTS. I DO NOT FEEL RIGHT MAKING ANY MORE PYMTS TO US BANK WIITHOUT MY FINAL MODIFICATION PAPERWORK SETTING IN FRONT OF ME SIGNED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed my credit card ( American Express ) account with XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2017. The bank has still not sent me my credit balance amounting to XXXX {$550.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-23
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Never received certain items that were billed. They sent my to collections and XXXX deleted the case. Now they are sending new information. I have spent countless hours with this to no avail. I paid for the items I recieved

Company response to consumer: Closed
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2016-09-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Wells Fargo is the lender of this private student loan. The lender had been informed of my financial hardship for over 12 months. They had denied consolidation, lowering monthly payments, and finally when they offered a forbearance, they mentioned that I had to pay three months of on-time minimum payments. I have student loan debt that is triple my income. In monthly payments alone, a total payment equaling {$1300.00}. I had been through periods of time not receiving timely paychecks due to a public service related job. The three months of payment would have been fulfilled to receive the forbearance, but Wells Fargo failed to inform me that the payment was short of {$67.00} to fulfill the three month terms and receive forbearance. It was less than 24-hours from the time the payment was attempted to be made to the time the loan went into default. The statements always mentioned only the past due amounts and did n't clearly state the minimum payments. When I addressed the issue with Wells Fargo they were rude and aggressive. There were no options to reverse the default. They ruined my credit for over a year without assisting in any manner. The supervisor ( XXXX ) in the recovery department harassed me and treated me with no respect. I have countless records of trying to request payment assistance from this corporation. They also told me they reviewed my income and expenses but when I told them my expenditures for groceries and gas to carry-on my job, they told me that those were n't essential to determining sufficient payment.

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 2016-03-03
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am have the power of attorney on my mom 's finances and due to her health issues she has fallen behind in her property taxes. We have been working with her reverse mortgage company Wells Fargo. In XXXX of last year they paid the delinquent taxes and contacted me. my first contact with them was fine. They said to pay back what you can to reduce the amount. We began paying them and the following XXXX, I was contacted by a new agent there who said that they could put my mother on a payment plan but needed to know her budget and expenses. She was to contact me the following day so I tried to contact her and could not. During the months of XXXX and XXXX, I made multiple attempts to contact her or anyone at the call center. Anyone else that I spoke with said that I would need to talk to my assigned agent. She finally contacts me in XXXX stating that they paid the taxes again and now my mom owes double the amount. She also stated that because of the amount due, we can not put her on a repayment plan. We would have to come up with the full amount or HUD will foreclose on the home. This for a balance of {$3500.00}. We have continued to contact them but they do not return calls nor do they seem willing to answer questions. We are reaching a point of frustration and will continue to call but we are afraid that my mom will lose her home and be placed in a long term care facility. We are prepared to send them a {$1500.00} payment in XXXX but we are not sure if the house will foreclose, if so, we do not want to give them that money. Mom just has Social Security and has no additional assets. Wells Fargo does not seem to want to help us in anyway.

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 2016-07-23
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Net Credit continually calls my phone every day, sends emails even after I already told my situation that I am not able to pay at this time. The repeated robo calls into the weekend are annoying and excessive.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Applied Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got in a car accident XX/XX/XXXX which resulted in taking the XXXX vehicle to the hospital Fast forwarding to XX/XX/XXXX the amount was paid by the settlement for the amount of {$670.00} which can be attached to this complaint. The amount was removed from one of the three bureaus but not the others.

Company response to consumer: Untimely response