BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
letter Sent XXXX XXXX, 2016 XXXX XXXX - CEO XXXX XXXX - CEO, US XXXX XXXX - CEO, International Wal-Mart Stores , Inc. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subj : Money Laundering by Walmart partner, Moneygram Payment Systems XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Gentlemen : We 've never met, but I 'm taking the time to write this letter on behalf of a customer, in the hope that you personally, and not just administrative staffers, will become more aware of the blatant fraud and money laundering activity occurring daily via Walmarts via Moneygram Payment Services. 

This story relates to my mother, XXXX XXXX XXXX of XXXX XXXX XXXX, age XXXX, for whom I have registered FPOA. Last week my mother was the unfortunate victim of a phone and internet fraud involving the loss of nearly {$8000.00}. Walmart was not strictly at fault in the several transactions that originated at your XXXX XXXX XXXX store via Moneygram. But nevertheless the transactions were fraudulent, aided and enabled by Moneygram, operating out of your store. 

I wo n't take the time to relate the entire sad story here. Suffice to say that via phone and Internet, my mother was induced to send cash via XXXX Moneygram transactions, to an unidentifiable name in XXXX. 

The Moneygram transactions, reported to law enforcement, were as follows : XXXX XXXX, 2016 XXXX {$1500.00} XXXX XXXX, 2016 XXXX {$1900.00} XXXX XXXX, 2016 XXXX {$1900.00} XXXX XXXX, 2016 XXXX {$1900.00} The series of incidents was first detected yesterday, XXXX XXXX. There is a XXXX XXXX XXXX police Theft report, # XXXX, and an FBI complaint, XXXX. It 's obviously quite embarrassing for my mother, but despite that we reported it to the appropriate authorities and are taking additional steps. 

I hope this letter has an impact on someone 's day at Walmart. Feel free to contact me at the address below. 


Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Cc : XXXX Department of Commerce Division of Financial institutions XXXX Consumer Protection Financial Bureau www.consumerfinance.com FBI

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: WA
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
I financed a XXXX from a dealer in XXXX, XXXX in XXXX, I was making payments to them every XXXX weeks, in XXXX I went in to make a payment and they told me that they had given the loan to another company and that the company would be in touch with me. I received a call from a company called XXXX XXXX in XXXX XXXX, CA, they said they were the new finance company, and I should start making payments to them, which I did. After making payments, I asked about the title and they said they would send it to me, but, I never got it. I moved back to XXXX State in XXXX, I was still making payments, then one day I went to make my payment and I was locked out of my account, I contacted them and they said they had changed and to use XXXX at XXXX. I was making payments that way, but something did n't feel right, so I wrote the State of XXXX and the response from XXXX that they had bought my car at auction while I was driving it and would n't send the title until the car was paid off. After that I never heard from them, no statements or calls and I could n't make payments to the account. Last month I got a call from a collection agency in XXXX saying that they wanted payment for the car and to send it to them. I told they woman who called that I wanted something in writing from them and I was n't going to talk to them until I received something in writing. I never got a letter from XXXX that they were the new lienholder, my title has someoneels'e name on it. I also have never gotten a contract from they, they just sent statement whne it was time to make payments and since XXXX I have n't gotten a staement. So what do I do? 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
NO SABE WHERES THIS COME FROM. ITS NOT MINE AND ME NO CAN HAVE IT ON MY REPORT. O HAB THEM CALLS ME ALLS THE TIME. SENT LETTER TO STOP BUT THEY NO DO SENT NOTHER ONE STILL CALL AND ON REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I disputed this debt with XXXX because I do not owe anything to XXXX XXXX XXXX for a Chase Account. I complained in XX/XX/XXXX on this site for them taking a check wrote to XXXX XXXX financial and cashing it on this account for Chase bank. They have now reported to XXXX that I made a payment on XX/XX/2015 claiming that check was a payment. So no they have committed fraud by cashing a check not wrote to them and they have lied to the XXXX bureaus that report your credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX/XXXX/16 JPMorgan Chase closed the credit card account because I refuse their threats, and posted on social media their attitude, on same date and on XXXX/XXXX/16 I emailed and asked to be sent a final settlement. 
See : XXXX and XXXX more ... 

Message body Chase Credit Services. 

You are hereby being notified that you have either option. 

You can settle the account now and I will make payment in full on the amount agreed. 

However, JpMorgan refuses to issue a final statement, just to collect residual interest. I have asked for a final bill and their refusal nothing but greed. 
************************************************************************************ 1 ) Have asked for a final settlement on XXXX/XXXX/16 in order to pay in full - Chase refused to comply. 
2 ) XXXX/XXXX/16 Chase issued a regular settlement, the same day I received the statement I made a full payment, including the disputed amount. 
XXXX/XXXX/16 Chase notified me of residual balance of {$9.00} interest for the time they issued the statement. 

Clearly I asked them before to settle in full and Chase refused, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have tried numerous times to contact about a debt on my credit report. Get the run around with different numbers to call and no one answers or tell me its the wrong department and try a different or previous number. Cant get clear info on debt and wont call back

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 2021-01-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Notarized Affidavit of Truth was sent via postal mail along with certified receipt to NORDSTROM/TD BANK along with Exhibits stating violations per USC 1692d ( 1 ). NORDSTROM/TD BANK is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: JPMORGAN CHASE & CO.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained a credit card while living in Kentucky. In XXXX I became delinquent due to not working while XXXX going through XXXX and XXXX. The credit card was a secured card for {$200.00} so I had {$200.00} already on deposit with the credit card company ( XXXX ). Even though I had prepaid the {$200.00}, when I was able to go back to work I paid well over the {$200.00} to the collection agencies. XXXX collection agency was XXXX XXXX then it changed to XXXX.in XXXX. Now XXXX XXXX from XXXX XXXX XXXX XXXX. ( XXXX ) is calling and when I tried to explain what happened and that I had paid he said he did n't care if I had paid and said I owe them {$1500.00} ( on a {$200.00} secured card. ) He threatened to take me to court. The company has made multiple calls in the same day and has even before XXXX. and at least twice after XXXX. I have paid over the {$200.00} and it is my understanding that when you enter an agreement in the state of Kentucky there is a 5 year statue of limitation from time of delinquency but he 's saying he has until XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
on XX/XX/2016, I disputed a medical bill debt with Paragon Revevue Company with the XXXX credit bureaus and the debt was deleted.. I have recently received a copy of my credit report and Paragon has re inserted the debt back. Paragon is a third party collection agency and they have put the debt back on just under a different name. I am asking that the collection mark be removed from all bureaus immediately. They were given thirty days to respond back to the disputes.. The company has violated all Hipaa laws as well as debt validation requests.. I am asking for the prompt removal of all inaccurate accounts from this copany and the debt owed was paid in full from an insurance claim..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We began the refinancing process with Chase XX/XX/XXXX, locking in our 4 % rate. Over the past 3 months, Chase has intermittently asked for documentation on my end to close the deal. In every instance, I have provided Chase with the requested documentation within 0-2 days. Every instance, Chase has led me to believe it was the last piece required before signing closing documentation. Fast forward to XXXX/XXXX/XXXX, I received what was to be the final request of home owners insurance documentation and provided it to Chase on XXXX/XXXX/XXXX. I find out on XXXX/XXXX/XXXX that Chase filed for an extension on my lock on XXXX/XXXX/XXXX without informing me at all, and now I will be charged with 0.375 points to pay for the extension. Contacting the Lending Manager lead to him basically " take it or leave it ''. So in a nutshell, Chase applies for a rate lock extension for absolutely no reason, and never informed me, and now is expecting me to pay 0.375 points ( roughly {$1400.00} ) to complete the refinancing process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our current mortgage is with Chase, at an interest rate of 8.249 % down from 9.99 % after finally getting them to modify the mortgage a few years ago. We are underwater on our mortgage but have never been late or behind on the payments and have been with Chase since 2008. Chase is unwilling to modify, or reduce our rate to the current national rate. My credit score is XXXX and my wife 's is XXXX. We do n't dispute the outstanding balance, we feel that Chase is taking advantage of the situation and will not work with us to lower the rate. Due to the fact that the mortgage is held by Chase, not XXXX XXXX or XXXX XXXX, we do not qualify for the HARP program. All we are looking to do is to be able to refinance at the current rate. If seems that because we have always made the payments on time and try to do the right thing, we a being taken advantage by Chase for being a responsible citizen. Again, all we are looking to do is lower our interest rate, I hope you can help our situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Allied Collection Services, Inc. (Nevada)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Allied Collections Services Date opened : XX/XX/2020 Collection Account {$1900.00} past due Previously disputed : XX/XX/2020 My name is XXXX XXXX. I have attempted to dispute this inaccuracy on my report with no success. I have contacted Allied Collections Services several times to dispute with the original creditor XXXX about this false collections. Upon speaking with XXXX associates, I was informed that this collection did not belong to me but my father XXXX XXXX. l placed a dispute and it was denied. Please review this information. This has dramatically affected my credit.

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 2016-04-12
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
A legal firm that represents the credit card company has served me papers thru the sheriff 's department notifying my right to have exemptions designated. I 'm guessing as payment. Is n't there a statute of limitations for credit card debt?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Wells Fargo has been charging me overdraft fees because their system did n't post my atm withdraws from mom and pop stores until days later even though when I made the atm withdrawals, I had adequate funds to cover the withdrawals as authorized by Wells Fargo on each transaction. I am told by Wells Fargo that the problem was that there was a delay in their system.

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 2015-06-01
Company: American Credit Acceptance, LLC
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Several times they have called me at XXXX and I know they can not contact me before XXXX or after XXXX I have told them and they still continue to call at that time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Netspend Corporation
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I filed a dispute on my debit card for not receiving items that I purchased with my debit card back on XXXX XXXX, 2015 with my bank and they assured me that they would have my money credited back to my account by XXXX XXXX, 2015 and they have yet applied the amount back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Southwest Credit Systems, L.P.
State: NY
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:
XXXX promised me a credit on this matter but instead sold it to a debt collector. I was paying for 2 months of services they did not provide ... faulty equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Southwest Credit Systems, L.P.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received a statement from Southwest Credit for an amount due of {$150.00}. The day after I received the letter, I sent them a letter stating that I dispute the validity of the debt in its entirety. I asked that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company response to consumer: Closed
Consumer complaint received 2016-10-21
Company: Southwest Credit Systems, L.P.
State: GA
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:
This company is trying to collect a supposed debt that is not valid. Phones were returned to ATT utilizing the shipping labels provided by XXXX as requested by the representative at XXXX. These phones were delivered back to XXXX however they refuse to fix the issue. Instead they are damaging my credit for FRAUDELENT charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On Friday, XXXX XXXX I called the CFPB with questions about Flagstar Bank 's Consent Order and was given telephone number for a settlement refund line and Flagstar Bank. I called the Payment Administrator at XXXX and spoke with XXXX. I stated no, I did not get a postcard but I was sure I should be on the list. I then called Flagstar Bank at XXXX and spoke with XXXX. He asked for my old account number which I did not ave readily available so he used my social security number. XXXX told me that I was not on the list because I was never in the Loan Modification process. I told XXXX in XXXX XXXX, I started inquiring about a loan modification due the difficulty I was having in making my payments. Starting XXXX XXXX, XXXX, through XXXX XXXX, XXXX, I received and sent loan modification package information to Flagstar Bank. On XXXX XXXX, I called XXXX XXXX to get a status on my application and XXXX told me my application was denied. The application was denied because I was deficit {$320.00} Basically, XXXX explained I could not afford the mortgage. Early XXXX XXXX, I received a certified letter from a law firm stating my loan was in default and I could lose my home. I contacted a law firm that supposedly stopped the court proceedings and offered loan modification services.This law firm, XXXX was quite costly at approximately {$8500.00} and proved to be not so trust worthy. Then on XXXX XXXX, XXXX, XXXX XXXX called from Flagstar and conducted a XXXX, borrowers financial interview along with receiving letter dated XXXX and XXXX/XXXX/XXXX acknowledging receipt of loan modification packages starting a new application. On XXXX XXXX, XXXX, Flagstar announced my mortgage had been sold to XXXX XXXX effective XXXX XXXX, XXXX. So XXXX look further into his system abd he found where yes, XXXX had applied for loan modifcation, etc. XXXX gave me case to reference and stated he would escalate. I wonder how many other consumer may be overlooked like me?

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 2017-02-07
Company: Southwest Credit Systems, L.P.
State: DC
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:
An account was opened with XXXX XX/XX/XXXX it was then forwarded to XXXX for {$330.00} by XX/XX/XXXX.I disputed this debt with XXXX as well as XXXX and XXXX. This debt was removed from my credit report by XXXX on XX/XX/XXXX.on XX/XX/XXXX the same debt was forwarded to a different collection agency ( southwest credit systems ) and then sent to XXXX.Ive tried reaching out to XXXX customer service to get any information about the account and was told they did n't have anything. I was told that someone called XXXX gave them a name a social and they opened the account. XXXX did n't bother getting any identification any signatures nothing. I was told to contact the Freud department which I did. I received an email from a XXXX XXXX explaining what she needed to prove the account was Freud, proof of residency, I.D police report etc. I gave XXXX XXXX all of the information that I had except the police report because of the complication with jurisdiction and time frame. I requested to speak with a supervisor and all I got was an automated email from XXXX XXXX.at this point It believe XXXX knowingly opened a Freud account with no relative information which in my opinion should be criminal. Also i may add that I 've never lived at the address the account was opened at

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Sortis Financial, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Back in 2011 I had a foreclosure on a condominium by XXXX XXXX XXXX. Around XXXX or XXXX 2011 during the great recession. I believe my personal information was sold or traded illegally to third party debt collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have no idea what this debt is pertaining too. I 've never owed this company anything nor have I ever seen a bill.

Company response to consumer: Closed with explanation