BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-12
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid to another collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX # XXXX and XXXX each for {$230.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have not authorized a series of inquiries that are showing up on my Credit report and am disputing them. All the listed companies that have requested a copy of my credit report on the letter attached do NOT HAVE my written authorization to view my Credit report.

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 2016-01-01
Company: Wilber and Associates, P.C.
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:
XXXX XXXX XXXX has hired a law firm to collect {$34000.00} from me. They have put a judgment on me and it 's on my title suspending my assets. I believe they are trying to recover costs that they ( XXXX XXXX ) paid to defend XXXX XXXX XXXX XXXX XXXX after I filed a lawsuit for being fired unlawfully. I never received an " order of entry of Judgment '' is what I was told to look for. I was never served, nor was I aware that I was responsible for these charges. I would have disputed these charges right away, but it was a year or more later when I received a bill from Wilbur and Associates naming/ labeling XXXX XXXX as the " client '' for this exact amount. When I received this " bill '', I wrote the very next day disputing these charges but never heard anything back. My lawyer at the time of this lawsuit ( for wrongful termination ) XXXX XXXX, told me that the case was dismissed on XX/XX/2008 and I was never court ordered to pay any fees or costs from this lawsuit. My lawyer told me that the case was " dismissed '' because he filed paperwork " improperly '' It was the UDF ( Undisputed Facts ). PLEASE someone needs to investigate XXXX XXXX, XXXX XXXX AND WILBUR AND ASSOCIATES for the claim they are making, with no corresponding documents, no court order and nothing stating that I owe or need to reimburse these fees of {$34000.00}. If this was court ordered XX/XX/2008, at the time of the dismissal of lawsuit, I would have known about it and my responsibility to pay AND I WOULD HAVE HAD MY LAWYER DISPUTE THESE CHARGES IMMEDIATELY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: GREAT LAKES
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have all federal loans services through Great Lakes XXXX., and for the past several months I have been attempting to consolidate my loans and start an income-driven repayment plan. I began this process at the beginning of XXXX, hoping to avoid running up against the deadline of when my loans became due ( end of XX/XX/XXXX ). Each time I have called Great Lakes, someone has given me different information from the person before and after him or her. Often information has been, apparently, misleading or just incorrect. Currently the processing of my payment plan is being held up because they need documentation of my income. My account will show that I have attempted multiple times to send them such documentation, but due to the incorrect information, each time that information I sent was not exactly what they needed. I have been on the phone with their customer service probably a dozen times or more since the beginning of XXXX, and at no time as a service agent actually given me truly helpful information about the process of loan consolidation and beginning an income-driven repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Prince Parker & Associates
State: FL
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:
Months after cancelling phone service I received a bill for unreturned equipment, despite being told directly from an authorized agent at the time of cancellation that I do not have any equipment that requires return. I have made 5 attempts and 5 series of calls over 3 months between the primary debtor and collections them to relay the pertinent information and to get them to communicate. Each attempt is 3-4 calls minimum over an hour at least and forcing me to take time off work, and each time I have been told directly the issue is fixed and that I do not owe anything only to receive another collections attempt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: Duvera Billing Services, LLC
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I 've just had to get my car repaired on credit. I went to XXXX of XXXX XXXX XXXX XXXX XXXX ' in XXXX XXXX AZ . They use 'EasyPay ' finance company for financing of customers needing credit. 'EasyPay Finance ' ONLY does 'applications ' by CELL PHONE. This is highly irregular as cell phones have very minute screens in which to view the numerous needed documents. This makes it almost IMPOSSIBLE to see what you are signing. I am also well aware, or thought I was, of the Federal CAP on loan interest rates of 20 %. So when I finally received printed copies of the documents that I could actually READ I noticed that there is an APR of 188.99 %? I initially thought this to be a typo since this is EXCESSIVE? This makes the FINANCE CHARGE {$1000.00} for a charge of only {$810.00}. This entire matter must surely be FRAUDULENT? How can anyone legally charge a larger finance charge than the amount of credit needed? My Application Id is : XXXX I look forward to any correspondence from anyone regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XX/XX/XXXX, I filed a complaint against the NJ Higher Education Assistance Authority with the CFBP for the failure of their collection firm " The Law Office Of XXXX XXXX '' to supply me with any type of receipt of payment. I also believed at the time, that the amount being reported to the credit agencies was incorrect, due to the fact that it differed from the amount being paid to the firm each month. The State looked into it. and wrote out a sufficient response that detailed the current amount owed, as well as receipts of payment which were satisfactory. However today I logged onto my credit report, and see that " The NJ Office of Student Affairs '' when conducting the report, incorrectly initiated a " Hard Pull '' in order to get the information, which dropped my credit score XXXX points, rather than the required " Soft Pull '' as they did not advise me or ask for my permission to run the " Hard Pull '', which I would not have given them permission to do. The " Hard Pull '' was conducted on XX/XX/XXXX. With the Credit Reporting Bureau " XXXX '' and according to the report will not be removed from my record until XX/XX/XXXX. This " Hard Pull '' was conducted illegally, and thoughtlessly in regards to the impact it would have on my credit score. I demand that the pull be removed immediately from my record by the " The NJ Office of Student Affairs '' and that an apology be written for causing my score to drop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I feel that they should lower the rate to at least the current market rate at this time. Also take my home from under water and put me in a more affordable loan that I can pay monthly an not struggle to pay I have had to file an BK due to not being offered an decision for modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have been a customer at J.P. Morgan Chase for many years. 
I closed some money market accounts I had in trust for clients. I received a letter dated XXXX XXXX, 2016 indicating they have decided to close my personal money market account at the bank. 
They indicated after a recent review of my account they decided to end our relationship. The account has always had a positive balance and I deposited my social security and small pension into the account each month as well as other funds. 
I continue to have a business checking and my trust account for my office with them. I do n't understand how the relationship can be ended without any reason being given. It seems it was up to me to close the account and that they should not be able to close an account without a reason being given to the depositor. I called the number given to me in the letter and I was told that they could not offer a reason and that it was just too bad. Clearly the bank can not do do this without a valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XX/XX/XXXX I received an offer from chase mileage plus explorer credit card that said if you sign for the card and you expend {$2000.00} in the first XXXX month you will receive XXXX miles in your united account and if you add another person to your account you will receive a extra XXXX miles, so I call an made the over the phone application and ask the customer service all the staff to qualify to the offer, they assurance me that there was no problem if I expend the money I will get the miles, so I sign I got the card I begin to use. XXXX month later I called to CS about the miles they said do n't worry in XXXX XXXX billing cycle you will get it but that was not true I called again on XXXX XXXX and I spoke with a supervisor He said to me that He can not understand why I did no got the miles posted to my account yet but He is going to put a request to the " marketing department '' and I should receive the miles in XXXX days and a letter from that department in less that XXXX day, so I went to vacation and when I return I checked my miles did not change but I got a letter from chase that state that because I receive a bonus credit in XX/XX/XXXX I did not qualify for this bonus offer and I did not going to get any bonus miles with this card. I call back to CS and they repeat the same thing to me. I can understand that can be the policy of the company but why they sent the offer to me, why when I call to apply they did not mention about that rule, why went I called XXXX month later they did not same nothing and why when I spoke with a supervise on XXXX XXXX He assured that they was not problem that I ll get the mileage, Chase was lying to me as customer from they XXXX, the only reason that I sign for this card was for the miles if not I can get any other card offer I have excellent credit every day I got by mail different offers if you can get the voice record of my conversation you will hear that the latest Supervisor was agree with my point but He can not do nothing Those were the company policy, off course to attract customers from the competition. From my point of view those policy are unfear marketing policy that try to scam the customer not showing the real rules of the game from the beginning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-15
Company: U.S. BANCORP
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
I advised my credit card company of unauthorized transactions that took place in XXXX. I live in XXXX, and have not traveled to XXXX. My credit card company temporarily credited me for the items, until this past week. They sent me a letter stating that as I had not reported my cards lost or stolen, and that since the card was used with a chip reader - I am fully liable for the transaction. I did not report any cards lost or stolen as I have them in my possession ( XXXX cards -the joint account holder and myself ). They then reposted the transaction and billed my account. They did not do anything else to investigate, I am truly concerned and upset as how they were able to use my chip.

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 2016-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Bank did not pay my homeowner 's insurance policy from XXXX which was due by XXXX XXXX, XXXX. I have an impound account with Chase Bank and Chase collects my money every month in order to pay my taxes and insurance on my behalf. The impound account was mandatory and I did not have a choice to not have the impound account. 
My insurance is with XXXX and the amount for that year of coverage was {$710.00}. Because Chase did not pay the bill from my impound account, the policy was cancelled. XXXX mailed Chase the renewal invoice on several occasions but never received payment. 
Chase put a forced placed policy and charged me over {$3000.00} for coverage beginning XXXX XXXX XXXX through XXXX XXXX, XXXX. Had I not called in to ask why my payment has gone up so drastically over the past year and a half, I would never have learned that they did not pay my insurance but rather paid their own insurance at a rate of 4 times higher than my policy. 
I have spent weeks trying to resolve this with Chase. The supervisor, XXXX XXXX, is very rude and denies any liability. He claims he will not authorize a refund. 
My payment has become too high for me to afford. I know there is foul play going on with this force placed policy and I request CFPB investigate this matter on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in 2010 i obtained a harp mortgage from bank of america since modification i paid the mortgage every month on time after the first year i received a letter sTATING I AM ELIGABLE FOR A XXXX XXXX DOLLAR CREDIT SINCE MDIFICATION I WAS BEING REPORTED TO THE CREDIT BUREAU AS DELINQUENT THIS RUINED MY CREDIT SCORE i tried unsucesssfully to rectify this error speaking to several people at bank of america without any success what can be done

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute multiple errors on my credit report. Specifically, I have multiple charge-off accounts that are inaccurately reported as not being disputed and under review at the time of my last complaint also I have multiple accounts with inaccurate dates and accounts being reported open when in fact they are closed. I have been a responsible borrower for many years and I was shocked to see this negative mark on my credit report. Upon further investigation, I found that the charge-off accounts were in fact being disputed and under review at the time of my last complaints as per CFPB XXXX XXXX XXXX  XXXX, XXXX, XXXX also with inaccurate dates and inaccurate account status. This means that the information in my credit report is incorrect and is damaging my credit standing. I request that you immediately delete the charge-off accounts from my credit report. I have attached all relevant documentation to support my claim. I appreciate your prompt attention to this matter and I look forward to hearing back from you soon. Thank you for your time and consideration. 
XXXX XXXX XXXX # XXXX reporting open but in collections XXXX XXXX # XXXX XXXX did not report as being disputed XXXX XXXX XXXX  XXXX date last reported is in XXXX when disputed in XXXX XXXX XXXX XXXXXXXX # XXXX is wrong account number and date last active is earlier then date last reported, reporting open when it says in collections XXXX # XXXX reporting on XXXX different credit reports with XXXX different account numbers, reporting open but its closed XXXX XXXX XXXX XXXX  reports as open but is closed and XXXX different dates as last active XXXX XXXX XXXX # XXXX XXXX reporting as open but its in collections XXXX XXXX # XXXX already on credit report as XXXX XXXX Reporting as open but its closed, its on my report twice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking and several savings accounts with Capital One Bank. In XX/XX/XXXX, I provided Certificate of Trust ( a form from Capital One ) to retitle all my accounts in the name of my living trust. 

I received a letter dated XX/XX/XXXX, stating they need information about my trust. This information was already provided on the Certificate of Trust when the account was set up. The letter threatens that Capital One will put my funds on hold on XX/XX/XXXX and close my account by XX/XX/XXXX. 

I called the number and nobody at Capital One can explain why they are asking for information I've already provided. I asked to speak to a supervisor and was disconnected rather than being put in contact with one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My account # XXXX at Bofa was charged a NSF fee on XXXX/XXXX/2016 for {$35.00} when I noticed on the account activity a merchant deposit being made the same day so I am not sure why the account was charged this fee. I believe there were enough funds in transit that should have been sufficient enough to take care of this fee. The Bank charged this fee unjustly in spite of the fact that the merchant services account is also with Bofa with daily deposits..

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 2016-02-23
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I received a corrected validation of debt notice from Selene Finance. This debt collector started contacting me by phone on XXXX XXXX. I have several calls contacting me during the day and during the night. When I asked them for additional information in regards to the debt that they were collecting, they were unable to give me an answer. After making a research in the XXXX XXXX records, I found that the property that served as a collateral of a loan that was included in my bankruptcy discharged was still under my name, despite the efforts of trying to giving the lender a deed in lieu. Notice that the lender at the time was not the current debt collector. Then i requested a debt validation to Selene Finance and the failed to submit XXXX. After many calls, i finally received a letter dated XXXX/XXXX/XXXX stating that they mailed a validation of debt on XXXX/XXXX/XXXX but they omitted some infromation and now they are sending a corrected validation of debt notice. After I review all this information, this debt collector is threting to sue me for the amount of the debt that they submitted on this notice. The reference debt is past due since XXXX/XXXX/XXXX per Selene Finance records and this debt was inclueded in a Bankruptcy discharged in XXXX. I have checked XXXX and confirmed that the status of limitation on this type of debt has expired and I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. This is a violation of the rules and regulations of the CFPB that strictly prohibit creditors and /or collector from attempting to sue a consumer over the time-barred debt.

Company response to consumer: Closed with explanation