BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-08
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
AFNI keeps calling my personal cell phone, has called my GRANDMOTHER 'S house ( XXXX ) XXXX, and has now called me at WORK ( XXXX ) XXXX. I am not dealing with this anymore. I know I am in debt ; they do n't have to keep calling everywhere and embarrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXXXX/XX/2022 Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-07-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with my mortgage company for months trying to complete a short sale. The last buyer I had terminated the contract because she states my bank was taking too long to approve the short sale. I have a new buyer now and I submitted all the necessary documents and my bank kept delaying the process & giving me misinformation. They would tell me my short sale is still in review but have decisions made. They would also give me and my Realtor different information. 
They said they denied my short sale because they want the full payment they are owed. My house is worth less than what I owe and I thought the purpose of the short sale was for the bank to acknowledge that and write off some cost. They claim they are short {$450.00}. They are jeopardizing me to get a FORECLOSURE over {$450.00} I 'm totally baffled, disgusted and distressed ; this does not seem to be a legitimate reason to deny a short sale. I 'm sure there are many more cases like mine at this company. 
I do n't understand the reason behind the short sale if the bank was expecting full payment. The XXXX Program is nothing but false hope, a faade. This was a waste of my time, my realtor 's time, the buyer 's time & buyer 's realtor time. This bank has no due diligence, and I desperately need to know my options and request that someone look into this bank to make sure they are not conducting unethical or illegal business practices. Any information you can provide me will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Attorney Information XXXX XXXX XXXX, XXXX, representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Institution Name : Bank of America , N.A . 
Account/Product Type : Personal Checking Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : United States XXXX XXXX : XXXX Claim Numbers : XXXX ; XXXX ; XXXX Complaint XXXX XXXX, was a victim of fraud and fraudulently induced to transfer money to a fake account, and other fraudulent transfers on XX/XX/XXXX, XXXX She immediately and in good faith submitted all of her documents detailing each charge adding up to {$13000.00} in fraudulent purchases and transfers. 

The Electronic Funds Transfer Act states that XXXX XXXX 's liability should be limited to {$50.00} because she reported the fraud less than 2 days after the occurrence. 

In violation of the XXXX, the Bank refused to pay on her claims of fraud. The Bank is insured for this event. Refusal and failure to reimburse XXXX XXXX for the amounts to bad faith, a breach of fiduciary duty and gross banking malpractice. 

My office has made numerous attempts to contact Bank of America, with signed authorization from XXXX XXXX and have not received any cooperation or acknowledgment Request for Resolution : XXXX XXXX demands reimbursement in full for the {$13000.00} owed to her under her fraud insurance claims. In addition, XXXX XXXX demands reimbursement of her attorney fees in the amount of {$2700.00} Total for claim amount and attorney fees is {$16000.00}

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 2022-11-11
Company: EQUIFAX, 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:
There are multiple accounts that I have provided to them that was identity theft and the fail to remove them they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These accounts are not mine and are identity theft I have sent multiple letter to XXXX to remove them but they continue to list on my report. My identity theft report number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Discover began threatening me to make payments by a specific date or they were going to disrupt my credit score significantly. I had made a payment on XX/XX/XXXX of {$270.00} and on XX/XX/XXXX they threatened me again that if I didn't make XXXX payments totaling almost {$1000.00} that they would report me to the credit bureau as delinquent. They did it anyway the same day and reduced my credit score by a staggering XXXX points. They said I was past due of 30 days and that's not 30 days. That's 23 days since I made a payment of nearly {$300.00}. They had offered me a payment plan and I got disconnected and when I called back, they said that plan was no longer active literally XXXX minutes after I was disconnected. When they reported me delinquent, I wasn't delinquent and had set up a pavement plan that allowed me to set my first payment of {$330.00} on XX/XX/22 and then each subsequent payment would be on the XXXX of each month of {$210.00}. They never should have reported me and did so when I was making payments it just wasn't as much as they demanded. They also told me that the plan I qualified for and is now active because I chose not to listen to their employees and just did it through the app and it accepted me and my payment plan. That's wrong of them to use fear tactics and threaten my score and then make such a massive hit to my credit score despite the fact I had just made a payment XX/XX/XXXX. The reason I didn't make an XXXX payment is because the app allowed me to delay it until XX/XX/XXXX and said that there would be no impact to my credit score since I set it up to be automatic and keep it automatic for each month. My credit needs to have the XXXX points restored and noted that I was not 30 days delinquent and they used fear and threats to try and scare me into paying. 

My user name for discover is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Duvera Billing Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account is not my account and I have never had any business with Duvera/ XXXX XXXX  XXXX. I sent a letter regarding this debt collection attempt to this company indicating that this debt is not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a legitimate signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I purchased my first home on XXXX XXXX 2015. I used XXXX XXXX XXXX XXXX for my closing. When they paid my first tax payment, they wrote the check payable to the County Treasurer 's office but mailed the check to my homeowner 's insurance company, XXXX XXXX, on accident. XXXX XXXX company did n't pay attention to the payble to line on the check and deposited the check. Chase bank allowed them to deposit the check to even though the check was not payable to them. My biggest complaint in all of this is that the bank allowed XXXX XXXX to deposit a check that was made payable to the treasurer 's office. 

The reason Chase Bank is my main complaint is because of their response when I filed a complaint with them. 

Chase Bank 's response was that when a check is deposited by a business, they do not look at the payable to line. Then they stated they would not discuss the matter further because neither the account the check was deposited to nor the account the money was coming from ( XXXX ) did not belong to me. Because they allowed this check to be cashed, my property taxes were very nearly late. I received and overage notice from XXXX XXXX XXXX XXXX late in the day ; I deciphered the situation on XXXX XXXX ; I mailed the check XXXX XXXX. Taxes were due XXXX XXXX. Also, I had to pay for the taxes out of pocket until the hold on the insurance company check cleared with my bank. 

As an individual, if I tried to deposit a check that was not payable to me, there would be severe repercussions. If a wife tries to deposit a check payable to her husband into her husband 's account, she ca n't even do that with Chase bank. Why do these rules not apply to companies as well? 

XXXX auditing process is the reason I caught this mistake. Their timely overage notice XXXX days prior to my taxes being due was the saving grace in this situation. XXXX XXXX XXXX XXXX admitted their mistake and refunded my {$200.00} closing fee. Why is it that the bank is the only agency in this matter that is not being held accountable for their ineffective business processes that potentially harm the individual? 

I have filed complaints with multiple agencies regarding this issue and all of them have said they do not govern the institutions and can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My husband and I have an XXXX XXXX account through Barclays USA. The terms of this account give us " points '' for amounts we spend on the card, which we can apply to pay the account balance, among other things. In XX/XX/XXXX, we had a balance of XXXX points accrued on the account. I called Barclay 's customer service on or about XX/XX/XXXX and asked to redeem the points and use them to pay the then-current account balance- which would have allowed us to conserve cash. The agent I talked to confirmed that I was redeeming the points and that they would be applied to the account balance for the next payment due. However, in XXXX, I noticed that the points had been deducted from my account but NOT applied to the account balance. I called Barclays customer service again last week ( probably XX/XX/XXXX ), and confirmed that the points had never been applied as a payment, although they had been deducted. I opened a complaint with customer service- Case XXXX XXXXXXXX- but have not heard anything more. By redeeming the points without giving us credit against the account or any other value in return, Barclays has stolen money from us.

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 2022-11-11
Company: Couch Lambert LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I live in XXXX, KS. I opened an account in XXXX, KS prior to COVID and a job loss. I settled a debt around XX/XX/2021. The payment was made in full. 

A relative gave me notice that I have been sued in XXXX XXXX Texas. I do not live in XXXX XXXX Texas nor have I ever lived in XXXX XXXX Texas. This relative forwarded the notice to me in XXXX XXXX days prior to the date I was supposed to appear in court. I called the court and told them I live in a different state. The court date has been moved to XXXX. 

Why am I being sued in a state that I don't live? Because I have the same last name as someone in Texas? Wrong person, wrong identity, wrong location.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The amount owed was paid to XXXX XXXX on XX/XX/22, and this company is refusing to update my credit report with the correct balance being reflected as {$0.00} and the status of the account as paid in full. The digital receipt was provided along with the dispute filed with the credit reporting agencies and the current owner of the debt is refusing to update the correctly update the balance, violating my rights as reserved by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20
Company: AFNI INC.
State: ID
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 an addendum to case # XXXX As previosly stated XXXX promised to manually remove and close account from their system. On XXXX XXXX, 2015 I received a collection letter from a company called " afni '' located in XXXX, Illinois requesting payment. So XXXX account was forwarded afterall.I demand monetary relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Thaxton Investment Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Quick Credit is charging me very high interest and I can not afford to pay the loan

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 2017-02-11
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical
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 Ability Recovery 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 Ability Recovery 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 response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
At this time I 'm in a trial Modification loan with Chase that started XX/XX/XXXX ending XX/XX/XXXX when I tried to first check my Hamp status account XX/XX/XXXX it showed I did n't have a Hamp account.So I just went in on my regular account to make sure my payment posted and it did. On XX/XX/XXXX I went online trying to check my account to see if there were any changes and it stated " Issues with your account are limiting your access. Please call Customer Service at XXXX for more information. Or, find out how to resolve these issues online. Note : If you have a construction loan, please call XXXX, option XXXX. '' I called the XXXX number and spoke to XXXX, I did n't hear her name very well so I ask her to repeat her name, she got silent then said XXXX. I question why I could n't get in my account and she said because I am behind I can no longer access my account, I said I have never heard of that before, I 'm not trying to make a payment just want to review it, she said again I 'm not allow in my account anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this on my credit report and have asked them for doc to prove this belongs to me and not someone with similar name. They have provided me any proof and when this was and who the orginal creditor was.

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 2022-11-11
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have email and spoke to consumer portfolio services about getting a copy of my contract but i'm keep being denied I'm not sure if they even have a contract with me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a buyer on XXXX XXXX  who sent me fake emails from zelle asking for {$300.00} in order to get the {$50.00} that they owed me for the product. I used zelle to send him the money and then realized that I had been scammed once the buyer was no longer reachable. I called XXXX and zelle to ask for help and they said that since the money had already been sent there was not much they could do. I am requesting that the {$300.00} i sent to this person be refunded back into my account because I was scammed and forced to send this money to them based on their emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife XXXX and I, XXXX met with XXXX Of CHASE on XX/XX/XXXX to discuss a refinance of my mortgage loan No. XXXX. 
We proceeded to fill out all of the paperwork and at that time I mentioned that due to XXXX, we had to take out a SBA loan, and would that be a problem. She said that as long as the SBA agreed to be 2nd on the mortgage, there would not be a problem. Over the next couple of months, we supplied all of the paperwork that CHASE requested, usually the same day. The week before XXXX we were told that the loan was approved, and the closing would be in a couple of days. We were very excited. That lasted for a couple of hours, that is when I received a phone call saying that the closing would be delayed because the SBA was never contacted! I was furious! I asked why were they never contacted? The reply was " it feel through the Cracks ''. Over the next couple of months I kept asking, daily, what was going on? I was told that they could not get any answers from the SBA. I finally said " give me the contact number and I will call ''. I had the approval the following day! CHASE then told me that they could not get the final payout numbers from the SBA. Again I called and has the numbers in an hour! 
Finally on XX/XX/XXXX I was told that the loan WOULD NOT BE APPROVED because the debt to loan ratio was to high. WE went from a closing in XXXX to not being approved in XXXX due to the fact that CHASE dropped the ball! I asked them if they could take off one of the loans that I had and replace it with the SBA so that the numbers would work and they said that nothing could be done, which I do n't believe. After 4 months they are refusing to work with me on this refinance. I even said to them that I would even consider a higher interest rate just to get it approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my credit report I saw that I owe Renton Collections for a dental bill that had went into collections. The amount stated is {$280.00}. I called Friday XXXX XXXX asking if they would do a settlement on what I owe. I was told no that I owe {$280.00} and I could either pay that full amount or make two payments of {$140.00}. I said okay I will talk with my husband and see what I can pay and call back. Three business days later I called back to go ahead and just pay the full amount of {$280.00}. I was then told by the guy, XXXX XXXX, that I owe {$420.00}. To my surprise, I said what?, I just called friday and was told that I owe {$280.00} and that I can pay it in full or make two payments of {$140.00} and that they do n't do settlements. I said yes I got that but why did it go from {$280.00} to {$420.00} in three days? He says interest. I then said okay I need to figure something out then. I called back an hour later and asked to speak to a supervisor. Her name was XXXX XXXX, I explained to her my XXXX conversations with the previous agents and she then tells me I owe {$480.00}. I 'm trying to ask about how it went from {$280.00} to {$420.00} and then to {$480.00} all in three business days and she says I must have my numbers wrong and kept bringing up the fact they do n't do settlements. I kept stating, I know that, I want to know why the balance has changed so much. She did not want to answer my direct question why the difference. I got so frustrated I just hung up. It 's upsetting that they treat customers who are trying to pay off a debt now that they 're able to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation