BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have provided documentation that I do not owe the balance outstanding that is impacting my credit score and I have not gotten a response and the account has not been corrected on my credit report.

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 non-monetary relief
Consumer complaint received 2015-12-15
Company: POPULAR BANK
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a checking account online with Popular Bank - during the process I linked the new account with my current account and in order to verify they made test deposits into my account but according to my bank they are pulling my funds as opposed to doing a test deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had to get a payday loan and got it from Advance Financial. I was n't told about the high interest rates and they claim they do line of credit but when I ask about it they said I did n't qualify. The amount kept getting higher and higher until it was out of control. Every month I get a email from them and they have tried to access my old bank account and stating they will do it again next month.XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Union Adjustment Company, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
UNION ADJUSTMENT CO, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, CA XXXXIndividualOriginal CreditorXXXX XXXX {$97.00} They have XXXX and XXXX infractsions on my credit and they continues to validate their collections to XXXX, yet each record is in XXXX on my credit report. XXXX and XXXX investigated and removed them from my credit but XXXX will not and they actually continue to grow. They just added more and damaged my credit by XXXX points. I do n't have money for a lawyer at present or I would seek damages cause this has been going on for 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: First Data Corporation
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A few years ago I tried a small business and wanted to process credit cards. I signed up thru XXXX XXXX and First Data. They sent me a machine which did not work from day one. I called them and they said they would send me another machine for {$40.00} more dollars. I refused. After months of trying to get this worked out I finally got an email from them telling me to return the machine and the nightmare would be over. I followed their instructions and have the postal receipt. Since then I have been harassed by First Data for lease rental fees ( after I was told the whole mess was resolved ). I did not hear from them for many months and today I received another call, not stating who they were after I specifically asked them who was calling, telling me I owed money to First Data. I replied " I do n't owe them anything ''. The person on the phone told me in a menacing tone, " Check your credit ''. I went online and there are hundreds of complaints against First Data. They are a mega corporation so I 'm sure they feel untouchable. I have been an honest guy my whole life and they threaten my credit when they completely failed me as a consumer. It 's a shame and I expect my government to stop them from destroying good people credit. It 's been years but I still kept the email where they told me to return the faulty machine and that I was done with First Data. Please stop First Data and make sure they did not ruin the credit I rating I earned my whole life ( my rating was about XXXX ). Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: JH Portfolio Debt Equities, LLC
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:
company illegally reporting debt that is not theirs and is not original debtor as well as is out of date for reporting as well as is debt that was illegal bank charges for debt card purchases under XXXX charge

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 2015-10-28
Company: National Credit Processing Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The company called me threatened to have me put in jail and I would have to attend classes if I did not pay full amount. Told me I committed fraud and had to pay full amount or they will send me to my county court. Contacted friends and relatives and revealed personal information to them regarding my debt. Threatened to take my references to jail as well

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: FINEX Group LLC
State: CA
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:
I had a XX/XX/XXXX Honda Accord, which finally not working in XX/XX/XXXX after running for about 17 years XXXX totaled XXXX miles ). The car was filed as non-operational with XXXX. So, XXXX day some guy left me a note on the car asked if I 'm interested to sell the car. I called the guy and he came and towe the car away. I ask the guy for his personal infomation and went to XXXX and filed the release of ownership ( see attached XXXX record ). However, a few weeks later, I received a letter from the Police saids my car was parked on the side of the freeway and then was towed to a towing yard. At the same time I received a collection letter from Finex Group, acct # XXXX saying I owed {$2900.00}. I called and told them the car is not mine anymore, but they keep insist that I 'm still the owner. I told them I have the XXXX record to show the car is not mine anymore. However, they refuse to remove from collection. I think this is some kind of scram. They purposely buy cars from owners and left them somewhere and then have towing company tow it to their guarage and trying to collect from original owner. I would like CFPB to seriously look into this matter and have this item remove from my credit report. Thank you so much. XXXX

Company response to consumer: Closed
Consumer complaint received 2015-12-19
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage that was bought by Greentree and then Ditech. I pay my mortgage monthly by auto-payment with my credit union. I pay early by 2 weeks and I also pay over the Principal and Interest. On XXXX XXXX 2015 I paid for XXXX. Ditech put all of the money toward principal instead of making my mortgage payment. They then claimed I was late and started charging me late fees. I called Ditech on XXXX XXXX 2015. I also emailed them. During the phone call they said that they could n't fix it! They then tried to send me a check for the late fees. I told them NO I wanted it all fixed retroactively and the funds applied correctly. The supervisor came on and then said they would fix it in a week. It is now XXXX XXXX 2015 and it is still not fixed. Ditech has failed to fix the problem and the latest payment info shows that they have failed to correctly credit my account. They are also not applying the interest on my mortgage correctly. Ditech has committed fraud with my mortgage and is failing to credit my account correctly. I want my account fixed retroactively with correct credit on interest, especially when I pay additional on the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home on XXXX XXXX, 2014 with New Penn Financial. In the mortgage document that was executed was an automatic payment enrollment form that states that I can have XXXX Mortgage Servicing ( New Penn 's mortgage servicing arm ), withdraw funds from my checking account biweekly on the start date that I specify. I specified XXXX XXXX. ( By having funds withdrawn bi-weekly, I pay down the principal faster. ) XXXX did not withdraw on the XXXX but waited until the XXXX. I objected that the XXXX was out of sync with my payday and that I wanted the agreement honored. They stated that they only draft accounts on XXXX dates each month and that I had no choice what date they drafted. When I objected they took me out of the biweekly withdrawal program and charged me a late fee. 

I 've been paying biweekly on my paydays since but because I out of sync with their schedule they charge me a late fee plus I am not getting the principal advantage because they do not honor my payments a paying down the principal. To get this advantage they say that I 'd have to pay an additional XXXX up front. 

I want them to honor their agreement, deduct my account on the date specified in the mortgage agreement, and credit my account with principal pay down. 

I 've filed XXXX Better Business Bureau complaints and they 've failed to respond to either. 
They call to remind me that my payment is late every month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Kriya Capital, LLC
State: AL
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:
I cancelled my XXXX service on or about XXXX XXXX, 2016. I returned all XXXX equipment per their instructions via a return from my local XXXX in XXXX XXXX, AL. Then, I received a letter from XXXX dated XXXX XXXX, 2016. It said I owed {$170.00}. It did not mention anywhere in the letter what this was for or why I owed the debt. I called XXXX because I have records that I paid my final bill. I was told that it was due to equipment that was not returned. I asked what specific equipment was not returned and then the department call transfers started. Nobody could tell me what specific item was not returned. 

On XXXX/XXXX/16 I was assured that a charge for " un returned '' equipment in the amount of {$170.00} would be credited and corrected on my account. Yesterday, XXXX XXXX, 2016 I received a call from the collection agency. The XXXX representive that I spoke to on XXXX/XXXX/16 for 33 minutes ( i have a record of the call date time and duration on my phone that I can provide ) ID number XXXX XXXX XXXX assured me the charges would be corrected because XXXX had clearly made an error and did not log in one piece of the total of XXXX receivers, XXXX TV remotes an internet hub and an internet router. This correction needs to be fixed. I have opened an complaint with consumerfinance.cov ( CFPB ). XXXX needs to step up and correct this HUGE mistake before more damage is done.

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 2015-09-26
Company: United Collection Bureau, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX of United Collections Bureau called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped! 
Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I signed up and was approved for an Amex Platinum card with a XXXX sign up bonus through a link from The Points Guy ( An Amex affiliate ). I met the minimum spend, and received the points. Over a month after earning them, the points have been reversed off my account without an explanation as to why, or a resolution. I have called several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is in reference to an existing complaint # XXXX. Shellpoints partial response - " Response -Shellpoint requires more time to fully investigate the complaint. '' Which I received from CFPB on XXXX XXXX, XXXX My complaint was - " What happened Describe what happened so we can understand the issue ... 
This refers to Consumer Financial Protection Bureau complaint # XXXX. 
I have sent all required documentation to Shellpoint as of XXXX XXXX, XXXX. I have asked Shellpoint through a XXXX XXXX XXXX ( at XXXXXXXXXXXX ) if anything else is required for the Modification review. As of today 's date, XXXX XXXX, there has been no response from XXXX XXXX with Shellpoint. 
Today I filed the attached complaint with the XXXX related to their settlement with XXXX in XXXX XXXX. 
Please help me get an affordable Modification for my Mortgage. '' Now last Friday - XXXX/XXXX/XXXX I receive a Modification Denial letter from Shellpoint Dated XXXX/XXXX/XXXX stating - " WE are unable to offer you a loss mitigation option because we did not provide them with the documents they requested. They notified us of specific documents they needed and the time frame required to provide them. '' Plus now a Trustee Sale is scheduled for XXXX/XXXX/XXXX. I still have not got a response from XXXX XXXX, at Shellpoint to my request dated XXXX/XXXX/XXXX, as to if there is anything else needed or not for the Modification. This request to XXXX XXXX was sent via E-Mail, so I have proof of the request XXXX/XXXX/XXXX is the date CFPB sent me the E-Mail notifying me that Shellpoint responded to my complaint # XXXX and needs an additional XXXX days to research the complaint and respond. Keeping in mind the Denial letter is dated XXXX/XXXX/XXXX. 
Now in XXXX days my home of almost XXXX years will be sold and auction by Shellpoint. 

Something is not right here and is very wrong, Shellpoint needs to be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Credit card
Issue: Other

Complaint:
Midland Funding # XXXX The creditor did obtain a fraudulent legal judgment against me by filing an illegal lawsuit. The creditor has shown no proof that the debt was even properly assigned to them, nor that they are the actual owners of said debt. Additionally the creditor 's " affidavit of debt '' was " robosigned '' and no actual verification of the actual amount of debt owed was verified in the law suit, therefore the affidavit was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
We were contacted by telephone on Friday XX/XX/2017 XXXX ( EST ) by a representative named XXXX from who informed us that they are reducing our credit limits on our XXXX Chase credit cards because our XXXX debt to ratio was too high and they are considering us a financial risk. We have had these open accounts with Chase for over 2 years - our business credit card with them is over 5 years and they choose to reduce this credit limit also - when it is not even reporting on XXXX report which they said they used to make the determinations. They sent us letters on the credit limit reductions on XXXX of the credit cards but have not to date sent us any letter regarding our business credit card. They claimed to have used XXXX with this determination but how could they if the credit card is not even reporting to XXXX? The reasons they outlined in the letter to us were ( 1 ) rapid increase in revolving balances ( they were not with our Chase cards ) ( 2 ) Balance owed too high ( 3 ) Business Bureau shows PAST DUE HISTORY ON XXXX OR MORE ACCOUNTS. This is a lie and we have demanded them to show us the negative history at request they have yet to comply with - We have contacted XXXX and they have NO NEGATIVE PMT HISTORY - all of our accounts are in good standing - we pay more than the required monthly payments each month to all of our credit cards. This action has created a negative mark on our credit, especially our business. These people lied and continue to lie about the reasons for their actions. We will never do business again with Chase Bank or have another credit card with them. We are considering taking legal action as we feel " violated and insulted '' - we could understand the action if our accounts were delinquent or late payments but we have NEVER had a late payment on any of our credit cards. THESE PEOPLE LIED! 
We are demanding the lies be corrected - they can keep their credit cards - we are in the process of closing all of them. We want all communication in writing from Chase - NO PHONE CALLS. We want them to comply with our request in writing about the negative payment history they claimed to have used for this action. We have never had a credit card company reduce our credit limits and call us and DEMAND to know when and how we are planning on taking care of these balances - how dare they when the accounts are in good standing and we are paying more than the minimum payments each month. We want someone to listen to the recorded conversations we had with this chase department on XX/XX/2017 ( XXXX and XXXX ) and again on XX/XX/2017 with XXXX. These employees should be fired for their attitudes and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: PNC Bank N.A.
State: WA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I have an IRA with PNC Bank which has been in existence for about 10 years now. The only contact I get from them is a semi-yearly certificate maturation where the only information disclosed is the current balance. It turns out that they have been taking a {$25.00} annual fee out of my balance but I have never seen a receipt or an itemized transaction list. These fees are also not included in the account agreement they send with the CD renewal. In other words, these fees were never disclosed.

Company response to consumer: Closed
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
There was a glitch in the system. These inquires were added back to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My mother, XXXX XXXX, died on XXXX XXXX, 2011 and shortly after an electronic application for a credit card with American Express was submitted using her date of birth and the name XXXX XXXX. The address used was in XXXX, Massachusetts. I have not been able to obtain a copy of the electronic submission. I am the executor of the estate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07
Company: Collection Service Center, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Collection Service Center contacted my employer about a debt I was never billed for by the original creditor, never billed for by their company, nor made aware of in any manner prior to their contact. My receptionist took placed a message on my desk which read " Credit company called, they are attempting to contact you regarding an unpaid debt to XXXX XXXX, please return their call. '' No attempt at all was made to protect my privacy, the most the caller should have stated was their name, that it was a personal call, and a number where they could be reached. After their contact I checked my credit online and found the debt listed on my credit report. I attempted to contact the number she gave me as well as the number listed on the credit report, however, after much searching I discovered they had given and reported an incorrect area code ( XXXX instead of XXXX ). They do not answer their phones during the day, they require that you leave a message and a phone number. I can not be reached at my home number during the day and do not want them contacting me at work again so I refuse to leave my number. They have not responded to any of my correspondence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a victim of identity theft and someone opened up XXXX accounts in my name with U.S. Bank using my personal information. I have never opened or had an account with U.S. Bank.

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