BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
J.P.Morgan Chase Bank , N.A . Is denying me access to my mothers bank account even though I have been granted an ORDER AND JUDGMENT APPOINTING GUARDIAN, by the State of New York Supreme Court, XXXX County. In the list of powers, item ( XXXX ) XXXX, allows me to access my mothers account to pay her bills. J.P.Morgan Chase Bank , N.A . Is in violation of the court decree.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recievable Performances had been given a alleged debt by XXXX account # XXXX and has also place this debt on all three of my credit files, after having this debt disputed to XXXX and also with the consumer financial protection bureau there are the results : We received your complaint about the XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. This item identified in your complaint has been deleted. when pull credit files this debt is still posting to my credit files please have this deleted from all credit files, XXXX thanks

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 2015-12-22
Company: Focus Holding Company
State: CA
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:
An item which originated in XXXX of XXXX from XXXX XXXX XXXX appeared on my XXXX and XXXX reports in XXXX of XXXX. I contacted XXXX XXXX and the only information they have on this is index data which indicates the item was sent to collections in XXXX. It is now being reported with an " Open Date '' of XXXX XXXX, XXXX and XXXX XXXX, XXXX, respectively. It has obviously been re-aged. I was never notified of this collection attempt via U.S. Mail or telephone. I will send out letters to the agency next week after XXXX with a demand for supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Receivables Performance Management, LLC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
these people keep calling every day -- have a XXXX XXXX so not able to XXXX but XXXX the phone numbers they use from multiple states and they never use relay to call -- - the XXXX searches for phone numbers say rpm and receivables performance management from others complaining who they are so think this is their debt scam coming back for more tries at debt they completely made up and was disputed many times and each time they would just change who supposedly owe and try again and again and again and this fraud collection has a history of making things up and harassing people to pay debts they faked and will not leave me alone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Larry H. Miller Group of Companies
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
This dealership is the reason the CFPB was formed given their multiple violations of consumer law during our experience on XX/XX/2018. During the negotiation process for a new vehicle we were forced to execute what was indicated to be a required compliance document several times, yet when they tried to reintroduce fees we had already requested be eliminated for ancillary products and services they were unable to produce the previous versions of this required compliance documentation. 

We left the dealership for two hours while they supposedly shopped our credit with financial institutions. They indicated with a strong credit profile we should expect 3.88 % or better, however, when we sat down to sign final documents and immediately requested that we first confirm our loan APR term, it was indicated to be 4.49 %, even with a 850+ middle FICO score and more than 30 % down. When we questioned this rate we were told the APR is determined before you get to my department but I think I have a coupon that could get you a better rate P if you are willing to open a new account at a credit union. We declined and they were not able to produce the approved rates they received for us at any other institutions, even though they indicated earlier we would be an ideal fit for their lender partner XXXX that specialized in 800+ FICO borrowers. It was an indication to us the dealership & /or manager was receiving an incentive to try and place our loan with the 4.49 % institution they did even though it was not the best qualifying rate for our loan terms. They hadnt even shopped our great credit with their parent XXXX even though there was an active promotion for 3.86APR for well qualified buyers for our specific vehicle and our preferred 60-month loan term. When we inquired as to why, the manager indicated they were unaware of the promotion and a second manager indicated our FICO didnt mean we would get that rate because XXXX may not like our credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Focus Holding Company
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Focus receivables management has no right to contact me or my business. I have no debt and they are phishing for personal information they are not allowed to ask for. Social security number. Date of birth. Mothers maiden name.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Focus Holding Company
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called " Focus Receivables '' calls our office twice a day, every day. No one responds but looking them up online, they are a fake debt collection agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed an account on my credit report. The results came back as verified but they do n't want to remove ( The remark with it says consumer dispute ) Even though the dispute is over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28
Company: Xtreme Products LLC
State: GA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2016, USA Student Loan.org contact to me, stating that my name was selected from a low income database to see if I qualified for student loan reduction or to get it totally paid off. The Rep was named XXXX ( no last name ). What really convinced me that this could be legit it because, he even mentioned that he was in the same area that I was from and called out some of the areas that I was familiar with. After retrieving my information from the XXXX website and final consulting, he said I was approved for 100 % of my settlement. But, I will have to pay {$590.00} in full or in payments for the next 5 months. I have tried to contact them to check on the status of the process and no one answers the phone. I am convinced that this was a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Company: Access Receivables of NC Inc.
State: NV
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:
Our Business has been getting repeated very harassing phone calls from Access Receivables and their employee XXXX XXXX in regards to a debt with XXXX XXXX that we do not owe. He continues to call and yell at myself and our employees. He is attempting to collect debt that we do not owe and has not provided any proof of the debt. They have sent us copies of old contracts, but what they have sent is not current and does not support their claim of the monies owed. I have told XXXX many times to stop calling and he has ignored this request. He has called and upset employees at our business that have nothing to due with vendor interaction or financials by being rude, disrespectful, and yelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have requested several times that Campus Partners disclose the status of my account to XXXX ; however, they are not honoring my request. Campus Partners drops the ball on my request and causes significant delays when I fax them paperwork. In essence, my problem is that Campus Partners does not process my requests in a timely manner which causes me damages. Their customer services reps lied to me and gave me incorrect information when I asked them " what I needed to give them in order for XXXX XXXX of Transunion to inquire about my account ''. In addition they are telling me that I have to wait 1 week for them to confirm a time-sensitive fax. Due their incompetence, significant delays and unfair treatment I am unable to accomplish my goal of having XXXX call to get an update on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Receivables Performance Management, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivable Performance Management LLC was hired to collect on a debt that has already been resolved by the previous collection agency and XXXX. The debt was removed from my credit file well over one year ago because it was determined frivolous. After the resolution, XXXX hired another agency to continue to harass me for a debt that has already been resolved. The debt was forgiven due to poor service. I lost money and had to go to a different carrier because of poor service when I had XXXX 2 years ago. I am not going to pay on something that was already resolved.

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 2015-04-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I applied for a car loan through my employer XXXX on XXXX/XXXX/2015, I was declined because of my experian credit score which showed XXXX. Through Credit Trackers and my XXXX XXXX card I am able to constantly view all three repositories which show XXXX at XXXX XXXX XXXX & Experian XXXX therefore, my average score given was XXXX. There has been no alert to me which shows any adverse action which would lower my score and XXXX could not explain, I contacted Experian who requested that I pay a fee in order to view my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This collection agency has a multitude of accounts they are trying to collect on. For this one in particular I never received anything giving me 30 days to dispute the validity of debt. I was under the impression the amounts they are claiming I owed were covered by my insurance company. On top of that it is my understanding that my medical information is not supposed to be released to a 3rd party without my permission and in the correspondence I 've received, it 's all come from a 3rd party, yet there is not a HIPPA release for with my signature giving anyone permission to release my information. I have great concerns about my information being in this collection agencies hands. They have already mailed with their correspondence other peoples information included with my information with detailed information about this person and their medical records. I also have yet to receive any promise to pay for any of these outstanding balances with this collection agency. I requested validation on a multitude of occassions and the responses do n't include anything showing that I am liable for these amounts and that I had any obligations to pay these outstanding balances.

Company response to consumer: Closed
Consumer complaint received 2017-01-18
Company: Receivables Performance Management, LLC
State: NC
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:
Receivables performance management is reporting on my Credit report in a negative way with a {$0.00} balance. I have contacted the original creditor ( XXXX ) to get this cleared up because I currently use their services.. After speaking with XXXX they stated that I did n't owe them anything and that my current account was up to date. I have never paid RPM any money so I called them to check this status and see how I can get this removed. They stated that they cant remove anything and that I will have to dispute it with the CRA. I have Disputed this before and it has been removed from one agency. I called the CRA and they stated that RPM has to report it as removed or deleted in order for it to come off of your credit report. Once I reached back out to RPM they stated that unfortunately they can not delete anything even if it has a {$0.00} balance and I did n't pay them. She assured me that there was no other way of reporting this to the CRA as removed but I know that it has been done before. She told me to call the CRA again and ask them when will it be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
i attended XXXX in XXXX XXXX, ca. i had to take out a loan with genesis it was the only loan i could get to so call better my career path. they did n't tell me that i had to pay the loan in school until after i started, they did n't tell me that when i got out of school the about to pay its would be so high that i could n't afford to pay it. i see that XXXX is getting sued already for their actions and lies. i could n't complete the school because of a teacher that screwed me over and threatened me, which the other staff did nothing about. i cant get an income based repayment plan from genesis and they are hard to talk to and deal with because their customer service XXXX and they barely speak XXXX i would like to get my loan descharged and what i paid into it back. i see that consumer finance is trying to help all the XXXX former students in getting their money back and correcting the wrongful action done by the school. i would like to hopefully get this done soon i cant continue to make the payment. they offer a payment reduction for six months im on the last XXXX that i can due and they failed to put me on it at the right time that i called them and asked for it to be done. i got a ding on my credit for it and have yet to call them to get that fixed. i will be contacting sallie mae to get my loan discharged from them they are easier to deal with but would like some kind of help with genesis in getting my loan discharged and money back quicker then waiting for the lawsuits to go threw and all the student get their money back. if anything i would like it just discharged and i can wait for the lawsuit to take place and get the reimbursement then, also they didnt give me any relief from the relief from the Consumer Financial Protection Bureau ( CFPB ) and the XXXX that announced more than {$480.00} XXXX in forgiveness for borrowers who took out XXXX XXXX XXXX high-cost private student loans. I recieved nothing from that.

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 2015-04-25
Company: Genesis Lending
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
this was a genesis loan for XXXX taken out by XXXX in XXXX, Mi have been paying on this loan since 2009 appr. XXXX per month. the balance is still XXXX. As soon as I found out this was a fraudulent loan I was advised to stop paying it. my credit report currently states I am 120 days past due and received a bill yesterday that my minimum payment due is XXXX.

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 2015-04-22
Company: Genesis Lending
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am former student of XXXX XXXX, I have a genesis loan that is in default. I currently owe {$7.00}. The school is now being sued and is under investigation for fraud. The school was a joke ; they where so worried about collecting the monthly payments for the Genesis loan that they would pull students out of class and away from there studies. 

I strongly believe that I am not responsible to continue paying on these loans because I did not finish the course. The schools curriculum was not that of a regular college. XXXX was over packed with teacher to student ratio. In the class room the students had to stand or find setting because they over packed there classes. Half the time the book store did not have the books needed for the class and they where on back order ; this cause student to have to wait to take a class and or share with a class mate. This made students unable to finish work on time. 

I want to be able to go back to school and finish my degree, but I am not able to due to so with this genesis loan. The lender is not people friendly and they seem to not want to help with paying back loans ; they are rude when you call and state that they are unable to take less than {$200.00} a month in payments. This is outrageous for a single mother that works full time.

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 2016-11-19
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from NCAC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCAC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call and hang up when I answer, when I returned the call they ask if I am who I am and say that they need to verify employment and that I have to pay whether I want to or not. They call almost every other day and hang up and the last time I returned their call they asked me again if I am who I am and I asked why are they looking for me and why do they keep hanging up on me and once again today at XXXX on Friday the XXXX if XXXX 2016 the man hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
TD Bank denied renewal of my home equity loan solely on the basis of age discrimination. This was not caused merely by poor customer service or incompetence, because no business can survive operating like that. 
Instead, from the start they were determined to undermine my income by repeatedly losing documents ( XXXX, XXXX. proof of consistent bank deposits, etc. ) I mailed and faxed those papers to them at least three times. Then they mysteriously disappeared. They then based my income solely on Social Security. I submitted proof of over $ XXXX, but they kept losing the paperwork. 
When informed of their decision I was not " credit worthy '', they also said I had numerous delinquencies. I immediately got a copy of my credit report that repeated XXXX words -- never late. They also claimed that an anonymous third party ( other than a credit bureau or appraisal company ) gave them extra ammunition to judge me an undesirable client. I have asked for that information several times, but TD Bank refuses to divulge their source. Are n't they required to do so under Federal law? 
It is truly a case of blatant age discrimination, because they believe they can scare and intimidate people over XXXX. Not so!

Company response to consumer: Closed with explanation