BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-16
Company: PLS GROUP, INC
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took out a Title loan with PLS of wisconsin last year and still have payments due, and a contract with them before i can get my title back. I went to make a payment this past week only to find out that all PLS stores in wisconsin are closed. I received no notification of them closing their doors in wisconsin and when i called the number they left, i kept getting transferred and put on hold for a good 30 min, and received no information that could help me. I do n't know what to do. Im trying to get my financial life in order so i can move forward with my life, and this is one of the biggest road blocks i have had to deal with.

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 2017-03-02
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Paramount Recovery Systems have reported a collection debt on my Credit Report with XXXX & XXXX since 2012. It shows up as a medical account. I am certain that this is not my bill. I also know for certain that I have not had any outstanding medical bills. I have always had insurance and use my flexible spending account to pay all medical bills and services. They have failed to contact me and provide any bills, contracts or details of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-05
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt just showed up on my report, I believe back in XXXX 2015, I never heard of this company before, until now, I believe I am not responsible for this debt. I summited complaints with the credit bureau 's and have got no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Ability Recovery Services, LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ability Recovery Services is reporting a collection account in violation of FDCPA. 
I have never received a notice from this collection agency. By law, I should have been granted 30 days to dispute the debt. I became aware of this account as I checked my credit report. I am requesting this collection agency to provide proof that I have received their letters or any other communication that they may be falsely claiming to have mailed to me. The reason I emphasize this matter is because I lived XXXX for a very long time and I have recently relocated back to the States. I know for a fact that I did not have the opportunity to dispute. 
2- I am requesting a valid/legit proof of debt written contract or agreement. 
Please note that this agency has not listed a phone number on the credit report and has only listed the following address : XXXX pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been XXXX for the past 3 years. I have only went to XXXX XXXX. This company is staying that I owe them However, I have never went there. It says that the account was open on 2015 well at that time I had medicaid and south this all of my doctors bill were covered. Plus I have insurance with my job. I have told them multiple times that this is not my account. However they keep reporting this to my credit report. When I know that this is against the law to do. With death validation and if they do n't have all of there legal bonding documents. Which I know that they do n't because this account is not mines. I have already reported to the credit bureaus about the faud activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from PORTOLIO RECOVERY ASSOCIATES. I had previously disputed this account. I have never done business with PORTOLIO RECOVERY ASSOCIATES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that PORTOLIO RECOVERY ASSOCIATES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( XXXX ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTOLIO RECOVERY ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Vion Holdco I LLC
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I was making payments on time to XXXX XXXX Account for about 2 years with no issues. Earlier in this year around XXXX XXXX, 2015 I noticed a late payment fee on my statement and when i looked into it more carefully my bank had deposited the money on time with out delay. XXXX posted the payment 20 days later. I contacted XXXX informing them of the issue at hand and they credited XXXX. Sometime in the beginning of XXXX i received a phone call from XXXX explaining that im late on my payments. I explained them that my bank automatically sends out payment to XXXX, and after checking with my bank and my online statements all bills were paid on time. By the end of XXXX i received a phone call from there collection department saying that i have not paid XXXX and that XXXX was due. When i reviewed the statement for XXXX it was showing a late charge for XXXX when the bill was not even due. On XXXX XXXX 2015 i spoke to a collection representative for XXXX and explained to them that something is wrong with there system because they are constantly posting there payments late, but when i look into my bank account the payments are always going out on time on every XXXX of the Month. The Rep credited the late charges and told me my total amount that was due. My balance after the conversation was suppose to be {$190.00} and the rep also mentioned after i pay {$27.00}. The total balance will become {$160.00}. I went over the information with the rep a few times just to confirm that there will be no more mistakes. I made the payment right after our conversation on XXXX XXXX, 2015 for {$27.00} as per the conversation with XXXX 's Rep. XXXX XXXX XXXX, 2015 i received another phone call from the collection department stating that i am still late on my payments and that i need to pay {$17.00} for the late payment. I asked the Rep to look at the fax to show that my bank has always been on time with no delay, i attempted to retrieve a Fax number so that i can fax the information over the rep said that they do not have a fax number and that i would have to submit a letter with back up and proofs of the statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-08
Company: MNS & Associates LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX members of my family and I have all been called numerous times by XXXX XXXX XXXX stating they have legal documents to serve and wanting to verify my information. The call comes from a XXXX number XXXX XXXX XXXX and refuse to say who it is or what it is in regards to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: CURO Intermediate Holdings
State: NV
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't stop charges to bank account

Complaint:
I XXXX XXXX have been in XXXX. My XXXX is at XXXX and I have a long road to recovery. My daughter had reached out to you about rapid cash. I have an account with XXXX XXXX XXXX in Nevada. Rapid cash refuses to respond back to me or my daughter countless times. I have intent to pay but I am a VA member and they do n't cover all the hospital expenses I need. If rapid cash is unable to temporarily suspend it, They will drain my account and I wo n't afford my recovery expenses. I have submitted a claim to my bank. And now I am writing you as well I do n't want them to take my truck and I only want a temporarily hold on my debit card and ach from them until I 'm out of the hospital My case worker can be contacted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Caliber Home Loans on a mortgage modification. I had requested a fixed rate mortgage but they gave me an adjustable rate mortgage. I think that their practices are predatory. I want a fixed rate mortgage. They also did not give me enough time to examine the mortgage modification paperwork. I received the paperwork Friday, XXXX XXXX and they required that the documents were received back by them by Wednesday, XXXX XXXX. I had wanted to appeal the modification to get a fixed rate and a more affordable payment but they purposefully did not give me enough time to review the paperwork or to have an attorney review the paperwork. When I called them requesting more time they denied my request and told me that it was " take it or leave it ''. I believe that this is is another one of Caliber Home Loan 's predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: MO
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:
I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 )  credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. 
I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
The second inquiry was made by XXXX XXXX on XX/XX/XXXX and should not be showing on my report either. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are trying to short sell our property. We had a buyer approved and set to close XX/XX/2016 at {$230000.00}. That buyer could not sell his home. We have another offer and Caliber is telling us that their investor will not accept? Thye appraised it XX/XX/XXXX at {$230.00}!!!! This was their own appraisal!?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, I encountered financial hardship and attempted to modify my mortgage through XXXX XXXX XXXX. There was a trial, then permanent modification which I also fell behind on. I started an attempt at another modification in late XXXX XXXX. At the end of XXXX XXXX, I received notification that they received my documentation and I should have an answer within 30 days. Before that time was up, I received a letter from XXXX stating that they had sold my mortgage to Caliber home loans. This letter also stated that if I was in the process of attempting a modification, they would forward all documentation to Caliber for them to complete the process. Around the same time, I received a similar letter from Caliber stating that they had taken over my mortgage, but no mention of the pending modification. XXXX or XXXX of XXXX was the last time that I received a mortgage statement and I never received any notification of the outcome of the modification. Caliber simply continued the foreclosure efforts that XXXX had started. I have never received a periodic statement from them, loss mitigation options, or a single point of contact. The only " loss mitigation option '' I was ever sent was a generic sales-like flier saying that I could potentially be eligible for a deed-in-lieu of foreclosure. In XXXX XXXX, I attempted another modification through an attorney. Through this I obtained single point of contact information and was able to sign onto my portal through Caliber. On the portal, there are also no periodic statements listed under my statements. I received notification today telling me that my modification has been denied, and that I am " not eligible for alternatives to foreclosure. 

Caliber has not acted in good faith on any level in the servicing of my loan. From the time they took it over, they have only moved forward with foreclosure. They have made no attempts to assist me in retaining or curing my default. They have not even bothered with monthly statements because they have no intention on properly servicing the loan. I even received a communication from them recently with my account number very clearly labeled and exposed through the clear address window on the envelope.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08
Company: National Mediation Services
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A collection agency called NATIONAL MEDIATION called my daughter and threatened to arrest me and file charges on me for a debt I do n't owe. They told my daughter that it was a payday loan and they needed money right then and there. 
My daughter gave me the message and I called and they were very rude and threatening and operating against the laws of the FDCPA. 
I explained that it is illegal to call and indicate to another person who is not myself that they are trying to collect a debt. 
He told me no it 's not. I told him that I do n't owe them and he stated that I do and if I do n't pay he is going to take action

Company response to consumer: Closed
Consumer complaint received 2016-12-20
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Call 3 to 4 times a day. Does not leave messages wo n't send me anything to verify debt. None stop harassment.

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 2015-09-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Chase Bank is using the debt collection service of XXXX XXXX XXXX to collect a debt that is being paid and not reported or verified correctly to credit reporting agencies. My prior CFPB complaint against XXXX XXXX XXXX was referred to the FTC and XXXX XXXX XXXX by the CFPB for further investigation - findings and documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We are filing a complaint against Chase. We have been misled and given a complete runaround for the past 12 months. Chase has not processed the claim with any integrity or professionalism. We have provided the same documents over and over, only to have the bank reassign it to numerous representatives that are not current on the application status. It 's a basic stall and delay technique to not provide help or modification options. 
Our first mortgage was modified and we are current with payments. Our family needs the 2nd loan modified so we can continue paying our loans and stay in our home. The line of credit ( 2nd ) Chase begged us to take, was set up as interest only payments for 10 years and after that period would revert to principal and interest. Our payment went from {$560.00} per month to {$1600.00} with an interest rate today of 2.74 %. This rate will keep rising as interest rates go higher. We are appealing to you for help as Chase seems to be unwilling to do anything on our behalf. Like most people in our country, our economic situation has deteriorated in the past few years. We are begging Chase to cap this line and make payments affordable in order for us to make our payments and stay in the home we love. 
The option for " short- sale '' is unacceptable. What sense does that make? Chase is willing to sell the house at a loss, but will not help us stay in our home by qualifying us for a " Chase Modification with Possible Principal Forgiveness. We have been Chase costumers for a very long time and would hope that Chase whom was responsible in soliciting and approving the " value '' of the 2nd mortgage would have some responsibility in helping us restructure the loan. The 2nd loan was used to construct an addition to the home. We did not use it as a piggy bank for vacations. The property value has dropped by XXXX of what is owed and now we find ourselves in a very difficult situation. 

This has been a drawn out process. We have received countless letters from Chase with offers to " help '', but it appears that Chase is committed to " NOT HELPING '' home owners stay in their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted this company via US certified mail to request them to validate thier debt. The company failed to respond and has not validated their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am a long time customer of Chase bank in good standing and have several of their products. I recently applied for XXXX different cards from Chase Bank on separate occasions, XXXX was co branded credit card, XXXX/Chase bank which I had received an ad in the mail inviting me by name to apply for and the other a Chase credit card. My applications were XXXX denied, despite having a decent credit score. After speaking with a representative about why my applications were denied, I am most concerned by a new hard limit that I understand Chase has implemented recently regarding credit applications. It was explained to me by the Chase representative that if I had more than XXXX new credit accounts on my credit report within 24 months, the application is automatically denied and there is nothing they can do to reconsider any application that is denied based on this rule. Also troubling is that this includes even being added as an authorized user on an account. There was no mention of this when I applied for either of these cards. I feel like this is important information necessary for me to be advised of before hand when making new credit decisions. Applying for new credit is always a calculated risk, since there is always a chance of denial. However, knowing that a denial would have been the only possible outcome, I would have been able to make a more informed decision and would not have applied, having no point loss to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase bank opened an escrow account to pay for alleged delinquent property taxes. After confirming with my local tax office that all property taxes were indeed current and there were no issues, I let Chase know. Chase insisted the information they obtained indicated my property taxes were delinquent and that they would not release me from financial responsibility until the money was sent back to them. A confirmation letter was sent to Chase to show all property taxes had been paid, before they were due, but rejected the letter. The Chase representative could not answer why the letter was rejected. This error has resulted in my mortgage payment being almost doubled and has created a great hardship for my household. I have XXXX children under the age of XXXX and my husband 's salary is our only source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I reviewed my credit report to find Chase Mortgage making monthly inquiries into my credit using soft inquires. I find it odd to have so many inquiries without an off being sent to me. I believe someone in their organization is abusing their authority when it comes to checking people 's credit. 

The true issue is I do n't even have a mortgage lol an with chase.so it leads me to believe Chase does not monitor or audit the people who are allowed to make credit inquiries.

Company response to consumer: Closed with explanation