BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-24
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Repeated phone calls covering XXXX years for a person named XXXX XXXX, who apparently had my phone number previous to me. 
The agency goes by the name of Receiver Performance Management. Their phone number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: E*TRADE BANK
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
As the XXXX XXXX XXXX, I reached out to eTrade to set up a business bank account, along with an initial deposit and IRS EIN. I received a letter saying that the account was approved and open, along with instructions for accessing the account. When I tried to do so on XX/XX/XXXX, however, I received errors from their Web site. Upon calling in, I was told that eTrade has chosen not to do business with my team ( my existing personal accounts were not affected ), no explanation would be given, and that I would have my money refunded within 7-10 days. Today, on XX/XX/XXXX, I received a call saying that I would have to submit a letter from my XXXX and proof of identity in order to get my initial deposit back, despite that deposit being transferred from my personal eTrade account. 

It is bad enough to opt to close my account days after it was initially opened. It is worse to opt not to provide any explanation. But it is ( or should be ) downright criminal to then hold my funds for well over a month while waiting to supply me with instructions on how to receive my money. 

I am in the process of supplying eTrade with the requested documentation, but I 've been given no ETA on the refund of my initial deposit. I will be looking at alternatives for my personal and business banking and trading needs and suggest others do the same.

Company response to consumer: Closed
Consumer complaint received 2015-11-02
Company: Cascade Capital, LLC
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeated asked the Debtor to provide proof ( by way of the original bill ) of this debt - both on my own and through your agency. The collection company has put this collection on my credit report without verifying to me that it is a debt. That was a ludicrous move because they were far likely to get paid ( if the bill is even legitimate ) had the only reported IF I did n't pay. Now, regardless of the outcome, what is the incentive - it is still on my credit. I read complaint after complaint about these people and there is no one that does anything about it. Shame on everyone involved. Putting this bill, without an proof, on a credit report for a alleged bill I owe back to 2009 is extortion. Shame!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: Houston Finance Co.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Houston finance has been paid off and closed since 2012 and I disputed this account with the credit bureaus and it came back as reported accurate. This account is reporting that it 's 120 days past due and that is impossible if it 's paid off not to mention it was never to the 120 days late. This account is affecting of my credit report and credit rating by inaccurately reporting the status as 120 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Cascade Capital, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was wrote off, Time barred Debt.

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: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have been sued and a judgement against me. I never knew about the judgement, as I responded but never got a court date to appear. the statue of limitations has passed. When trying to set up payment arrangements I never received any type of office to send the monies. I have now relied a notice of Application for Appointment of receiver. I can not get ahold of either of the debt collector attorneys.

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 2016-10-31
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am victim of Mortgage Fraud perpetrated in XX/XX/XXXX. 
I was approached in XX/XX/XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the Asst. US Attorney in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties. 
I sent the US Attorney 's documentation to Chase on XX/XX/XXXX and my loan was transferred to XXXX XX/XX/XXXX as stated in a letter dated XX/XX/XXXX. I was still in contact with Chase as of XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 I opened a checking account at Chase Bank on XXXX XXXX XXXX, GA. The Bank Specialist is XXXX XXXX and Branch Manager XXXX XXXX. XXXX XXXX was the one that opened the account for XXXX. She processed all the documents, gave me a starter package with checks included and XXXX ATM cards of which I opened the account with {$800.00}. the second Transaction was on XXXX XXXX, 2015 of which I deposited a check for {$1200.00}. on XXXX XXXX, 2015 I was made aware that the {$800.00} was not on my account after trying to withdraw money from an ATM in XXXX, GA to which I was told there was Insufficient funds. I made several trips to the bank and spoke with the manager but I was not reimbursed my money. I am getting the royal push around. I worked hard for my money and I could not have opened an account without any money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The issue is as follows, Out of the clear blue JpMorgan Chase Bank decided to shut down both of my credit cards. I used the cards regularly for my daily purchases. Please note my credit is XXXX with all XXXX credit reporting agency 's. I used 2 % of my entire Credit lines and I pay off my bills Bi-weekly in full. in order words I have no risk whatsoever to this or any other financial institution. I truly believe that I was discriminated against in this situation and I want this matter investigated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a pair of shoes from Macy 's in XXXX. They did not have the shoes in stock so they were having them sent from the XXXX store. 
The XXXX store called me a week or so later saying they had made a mistake and did not send the shoes. They were no longer in stock and they would credit my account. 
They did not and I have contacted Macy 's XXXX XXXX by detailed letter. I then recieved a response from Macy 's Biling Adjustments saying the shoes were sent and received and they have considered the matter resolved and closed their investigation.

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 2016-02-19
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Santander consumer usa Santander consumer usa credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : SANTANDER CONSUMER USA XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I XXXX verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX I was contacted by Santander, at my place of work, where I have never given out the number, I was told I was on a recorded line and verified my information. I informed the gentleman that this was my work number and not a good contact number and to remove it. He said he would as soon as he told me what it was about. I let him go on, but was interrupted by my work. I told him it was not a good time, and that he needed to remove the number. On XXXX XXXX I was called at the same number by Santander I informed her this was not a good contact number and that I had previously told them they can not call me at that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I was never served for a lawsuit from this law firm. This judgment is a complete illegal attempt to collect a debt and my right to defend it were avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They call 5 times a day for a person who does not live here. I 've told them multiple times to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Credit determination

Complaint:
On XX/XX/XXXX I applied for an " Amex XXXX Credit Card '' through the American Express website. American Express 's automated system then pulled my " XXXX credit report and automatically declined me due to a " low credit score. '' I have been trying to get a live " human '' credit analyst to review this application with me, as I was unaware Amex would be pulling " solely '' from XXXX which has a score of XXXX XXXX My XXXX is XXXX and my XXXX is XXXX XXXX, but unfortunately no one has contacted me from Amex at this point. Quite a few years ago, I unfortunately defaulted on a student loan that I did not have the ability to pay back at that time. However I got back on track, and paid off the loan in full, so there is no longer any outstanding debt, and despite it being paid off in full, that XXXX incident will remain on my record until XX/XX/XXXX I have a credit card with both XXXX for {$3000.00} and XXXX XXXX for {$2000.00} that have been paid in full each month, as well as {$1200.00} in savings. I was hoping to finally join the American Express family, and would really like to speak to someone from the " executive office '' of Amex to reconsider my application. I 'm willing to prove my " creditworthyness '' to Amex, so I ask that they just approve me for the amount that is currently in my savings account right now XXXX {$1200.00} XXXX and let me earn their trust. I have always loved Amex and everyone in my family is a member of Amex, so I would like to finally have the opportunity to do so myself. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland credit management is notorious for slandering credit reports with false information, and using unlawful business procedures and harassment to attempt to collect debt. I have received numerous phone calls at all hours of day and night, in addition to letters sent to my parents house ( where I have not lived for over 4 years ). I demand that they remove the collection account they are incorrectly reporting on all XXXX of my credit reporting agencies ( XXXX, XXXX and XXXX ) immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX I leased a XXXX XXXX XXXX, through the finance department XXXX XXXX. The lease was for 39 months with an initial payment of {$3000.00} and 39 monthly payments of {$270.00}. The total amount I paid for the lease of that vehicle was {$13000.00}. 
In XXXX XXXX, XXXX, when the lease ended I gave back the car in perfect condition : interior, exterior and mechanically, according with the inspector that Toyota sent for the inspection. 
Now Toyota finance is asking me to pay additionally {$350.00}, in order to move their vehicle from the dealer to a place for an auction. I consider the requirement of that payment is abusive, for these reasons : XXXX I paid always on time. 
_ The car was in perfect condition when I gave back to Toyota. 
_ I paid all the services for that vehicle in Toyota 's service department, according with their own maintenance schedule. 
_ I paid the last month, even though I use the car only for 15 days. 
_ More important, I gave back the vehicle without using XXXX XXXX miles, that I was entitled to use ; therefore, Toyota has a big plus, because with the saving of that mileage Toyota gets, at least, {$2000.00} or {$3000.00} more when they sell the car. 
Toyota is taking advantage of a good customer, forcing me to pay {$350.00} on top of all the big amount I already paid. This company is using abusive, greedy and lack of consideration practices. 
Notice : The amount Toyota is asking me to pay was included in small letters in a XXXX pages contract that I signed, but, unfortunately I did n't read.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for an XXXX XXXX XXXX XXXX card in XX/XX/XXXX after seeing an advertisement on the company website in XX/XX/XXXX. The ad stated XXXX bonus points after spending {$1000.00} in first 90 days. I made {$1000.00} purchase within 30 days. When I called AMEX for the bonus XX/XX/XXXX, I was told, it will appear in my statement. It did n't show in my statement. I called AMEX today and was told that I had a similar card in XX/XX/XXXX that was cancelled in XX/XX/XXXX. The fact is the card was cancelled in XX/XX/XXXX. I am concerned that if AMEX ca n't keep track of the accounts, it does n't give me a good feeling about the security and reliability of their products. This is not an isolated incidence. There are other serious issues also with AMEX cards, one of them being canceling the card without customer authorization or discussing with the customer. I would like CFPB to do further investigation into the IT systems and processes of AMEX that leads to such issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX ( XXXX ). Lost my Job for months and could n't pay the {$920.00} in debt I acquired. When I got employed again and called XXXX to pay off balance, I was informed after 5 months that my account was going to be sold and to not pay until the account was sold to " Midland Credit ''. I called midland credit and kept being given different sketchy, non verified numbers to call. About 3 weeks ago I got a call from an unknown number claiming to be MCM, which I do not trust being that MCM is notorious for committing fraudulent acts. I promptly hung up the call and I had received a letter in the mail claiming I owe midland credit over {$1100.00}. When I call the numbers on the website I ca n't get any information about my account, I just keep being given non verified numbers to call. Being that there was some recent fraud wig one of my credit lines I have to be very careful and discerning when it comes to giving out my personal information, especially for a company that I did n't do business with, and when it 's a company known for their committing fraud and.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/2016 after carefully reviewing my credit report XXXX accounts showed up on my credit from XXXX and XXXX.I immedietly disputed the XXXX accounts and placed a fraud alert on my credit reports. I have been back and forth with the creditor as well as the credit. Finally after months of disputing and making complaints the debt could not be validated and was deleted from my credit profile.over the past couple of weeks i have been getting letters in the mail from the collection agencies, for the same accounts. So it appears that the creditors deleted from my credit profile but then sold the account to multiple agencies. This debts are not mine and all i have been asking for for months is validation of account. also please look into the creditors selling these accounts to multiple agencies now i am receiving multiple letters which can be related to harrassment. I am requesting that the collection agencies validate debt owed and quit sending collection letters to my home. 

I have attached the letters that I am receiving from different collection agencies for the same account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have had someone fraudulently sign up for a credit card twice at Chase bank. The first attempt they were able to open the account. I put a fraud alert on my account and after the 90 days, the fraudsters did the exact same thing. Chase Bank is telling me that it 's because they are getting amazon gift cards the fraudsters are applying for cards. Chase 's system catches it but still leaves a hard hit on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase has reported my home loan as paid XXXX balance included in my bankruptcy. My home loan with chase was excluded from the bankruptcy. I make monthly payments and have never been late & I have a loan balance. How can they report a XXXX balance and that I have not make a payment since 2013 when I send them a check every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Westlake Services, LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This debt does n't belong to me I never rent a property with Westlake Financial. I request this account to be removed from my XXXX Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
XXXX, Chase card agreed to have me pay partially on an account since I had XXXX XX/XX/XXXX XXXX XX/XX/XXXX, and was embezzled by an employee using my card during the time I was XXXX injured. They also agreed to not put bad marks on my credit score. I assumed it was taken care of and they would do what they said they would do. Chase bank reneged on that. Their reporting to the credit agencies is erroneous and the credit agencies reports are inaccurate. I have disputed this and they are relentless. I wish I would have filed BK, but I paid them. They also continue to make hard inquires on my credit report which further lowers my score. They are harassing me and damaging me financially.

Company response to consumer: Closed with explanation