BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-20
Company: BYL Collection Services
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The account XXXX is from BYL companies, first reported on XX/XX/XXXX. Account was closed due to discharge from my bankruptcy filed XX/XX/XXXX. I was denied a rental opportunity solely due to this inaccurate reporting that shows the account is still in collections and is open. Called BYL and they said account shows closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
A few years back in 2013 my identity was stolen, I was out shopping with my mom for my kids XXXX things and someone swiped my wallet, since then as long as that person knows my date of birth and Social they can pretty much access all my stuff, I filed a report but its still hard to catch this person. Now I cant open a simple account because I am in XXXX. Chase bank offers a second chance account that supposedly doesnt use XXXX. However after trying to apply for that account I found out that it does and it makes an impact on the very XXXX XXXX I am trying to fix. A lot of banking institutions that offer second XXXX banking still use XXXX even though they advertise that they dont. This isnt fair to peopl that are trying to fix their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We recently got notice for XXXX XXXX that our property taxes were not paid. We received a notice that our house was going to be put up for tax sale because of the unpaid taxes. 

We received a corrected tax bill and were also notified that the corrected bill was sent to our mortgage lender as well. They obviously did not pay attention to the bill. We had to call and had to waste our time sending them our documents showing that the bill was unpaid. 

I asked multiple time for notification that the payment had been issued. They did not contact me back. I see on our loan account that the disbursement was sent. However, I don't know if the payment will get there on time and I don't have any information on whether or not they paid the fees for the past due amount. 

We have until the XXXX for the payment to be sent there and I don't see the payment being posted to XXXX XXXX sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received an email from Citibank on XX/XX/XXXX that they promised I can get {$700.00} cash bonus if I open a new account and deposit {$50000.00} for keeping XXXX. Since XX/XX/XXXX the XXXX time I called the Citibank to confirm if I can get the cash bonus, they said no problem, I at least called them again and again on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX ( supervisor XXXX ) XXXX. Every time they told me different thing. Yesterday I sent them a letter as they requested but I really feel frustrated to trust them anymore. For ending my half year suffering from the Citibank, please I submit this complaint to your bureau. Appreciate for your time and look forward to your response.

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 2015-03-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my mortgage payment coupon from Ocwen and its now {$150.00} more a month so I called Ocwen Financial and they said I am short on escrow since XX/XX/2013 so they added it to my payment starting this month. I was told by the previous lein holder XXXX that you can not have a shortage for more than 1 calendar year. My present taxes and Insurance have not hanged significantly so I do n't get it?? There is no increases in any of the taxes and homeowners Insurance an there has n't been so how can they justify this increase?? They told me if I dont pay the new amount they will start foreclosure against me. I only owe {$67000.00} on my mortgage with them and I think they are trying to steal my house because its worth a lot more. Back a few months ago I was struggling and asked Ocwen to send me hardship info and I think that 's what started this whole process working against me.. I have seen on consumer affairs page about a man having same issue with Ocwen so beware they might be trying to grab others houses too. XXXX XXXX XXXX XXXX FL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22, I deposited a check for {$35000.00} at Citibank Branch Located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The check was deposited into my Business Checking. Account name : XXXX XXXX XXXX, account number XXXX. I am a signer on the account and my name is listed on account. 

The check was made out to me, XXXX XXXX and was issued by CA Covid19 Rent Relief Program through their bank XXXX XXXXXXXX XXXX XXXX. 

Approximately {$18000.00} was made available immediately I withdrew {$8500.00} as I was told by the teller at this location that they did not have enough cash on hand to deliver rest of the cash that was not on hold Teller advised that the release of the full amount of funds would occur on date XX/XX/22 On date XX/XX/22 I was informed that my account is being investigated and would likely be closed because of the amount of the check in question I was advised via customer service on date XX/XX/22 that my funds would not be available for XXXX days until an investigation has completed and account closed, at which time a check will be issued for funds in my account. 

My account is legitimate, my check is legitimate, I am legitimate This type of policies and or reckless rules should be outlawed If my account is being closed then I should be able to immediately withdraw my funds. They are essentially holding my funds in limbo with no cause. 

These funds are for government funded rent relief that I desperately needed to keep up with my mortgage. They are sabotaging any relief from the covid pandemic that I was about to receive, through laws that were passed by congress. 

Regulators and the Federal Reserve should put an end to this practice conducted by Citibank. 




I would like the Release of Covid 19 Rent relief Funds issued by the state of California, that is being held unlawfully and without legitimate cause. Since the check has already cleared, the funds should immediately be released to my possession. 

Congress passed laws passed laws to help people affected by Covid get relief, but this relief is being sabotaged by Citibank.

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 2022-10-20
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted over XXXX investigations as well as mailed XXXX documents as regards LVNV Funding on my report they keep showing this company as having a open account and also a invalid Amount owed. Most of the fees Lvnv says i owe are from the submitting false paper work to court as well as fake summons served. I went to court submitted original loan amount XXXX dollars. XXXX dismissed and vacated judgment. But they illegally kept up fake judgments amounts they racked up without my knowledge and added that to what ever XXXX i owed and reported amount over a XXXX dollars. This company has engaged in tactics in the past and most likely continues of attacking injured people submitting false paper work to courts. And XXXX will not remove or show the effects of me getting out of dept. But as a honest and reliable credit agency XXXX is only agency showing true representation of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Investment Retrievers, Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My name is XXXX XXXX an authorized individual to handle the account for a XXXX XXXX XXXX. I spoke to the Collection manager XXXX XXXX which, at the beginning he seemed helpful in trying to resolve a matter, the next day I e-mailed and called him to let him know I got XXXX to commit to a settlement, he then turned and said he ca n't do it and he started saying he would take legal action against XXXX, I tried to warn him he can not use threats and he proceeded to say this is what he does all the time. He violated numerous FDCPA infractions and compensation is warranted for these actions. Collection Managers should never conduct themselves the way he did. I 've contacted his compliant officer and they can not obtain the call recording. They have asked me to provide it for them and they are hoping there is no evidence of this call. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I paid for a wedding vendor to provide a service during my wedding, which she failed to do. I have an email from that vendor agreeing to give me a FULL refund and since she did n't have my credit card information on file, she suggested filing a dispute with Chase to get my money back. I filed this dispute with Chase in XXXX. It 's now XXXX and Chase is still " looking into it ''. They have the email with the vendor telling me to both file a dispute with Chase and that she agreed to a FULL refund. 

The way Chase is behaving is ridiculous- They have everything they need and and they 're keeping my funds for an unnecessarily long time. They need to get their act together. The vendor is not disputing this charge back, and there is no reason why they should n't give my back my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: ADP Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
What happened was that XXXX XXXX XXXX who owns XXXX XXXX XXXX putted some of my wages on a Wisely card that he mail me to my home address and he only put {$920.00} ( not sure, but around ) and not the entire amount of money he owed me. I opened a case with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  against XXXX XXXX XXXX, with the Division of Wage and Hour. Claim # XXXX Employer # XXXX Anyway I didn't want to touch the money that was in that card just in case I had to show proof that he didn't pay me the full amount owed to me. So, the last time I spoke with XXXX XXXX XXXX ( Case Investigator in XXXX, NJ ) was like in XX/XX/XXXX, and he sent me a letter, dated ( XX/XX/XXXX stating that he had finished investigating my case and he was going to submit it to his supervisor. I tried calling XXXX XXXX several times and no answer. I finally call a number in XXXX and I was able to talk to some else and told me that the XXXX XXXX NJ had a case against XXXX XXXX ( she used a some sort of Legal term ). She told me that I might get my money in the future if XXXX XXXX sells one of his properties and gave me no hope that I will recover my money. 
So, I called Wisely and they said that my Wisely Card # XXXX XXXX XXXX XXXX Exp. XX/XX/XXXX had some kind of restriction and they told me that my balance was {$920.00} ( or so ). Anyway, then they said that my card # did not exist. I asked to speak to their supervisor, and they never did and hang up. I spoke to two other persons and I was told that the card did not exist. From my understanding they are trying to rob my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Certegy Holdings, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/2021. {$220.00} wrote a check for groceries at local XXXX the check # XXXX XXXX declined Contacted CERTEGY they could give No reason why

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 2022-10-20
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have just received a email as of today XX/XX/2022 from LVNV FUNDING. They have indicated they have attempted to contact me a month ago which is a complete lie. This is my first time even being aware the account from XXXX XXXX was sent to collections, I have been working with them to pay this amount down. LVNV FUNDING LLC has also not mailed me any documents for my right to dispute just an email stating I owe money which is completely unfair. They have not sent any written contracts with my wet signature or a full disclosure. This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this National Credit Systems XXXX numerous times XXXX regarding the amount that they are stating that I owe and asked them to submit the corresponding information that I owe this amount XXXX and they have not responded nor sent proof of this account. Under the Fair Credit Reporting Act. I would like this item removed from my credit report, or I would like them to submit proof that everything is accurate on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a discharge in a XXXX XXXX Bankruptcy on XXXX XXXX, 2015. Ocwen filed a response to final cure payment in by Chapter XXXX Bankruptcy case indicating that I was current at the end of my Bankruptcy Case. Ocwen is now asserting that I have an escrow deficiency of approximately {$10000.00}. Ocwen will not provide me any additional information regarding the deficiency ; however, I have always had escrow included within my payments. My taxes and insurance have not increased significantly since my Discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: JPMORGAN CHASE & CO.
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I previously had an account with JP Morgan Chase. I held the account for 4-5 years. The account was set up in XXXX, Michigan at a time when I was residing there temporarily. 
A few months ago, I had approximately {$6000.00} in the account. I received a transfer of {$50000.00} from a friend of mine regarding some business we were conducting. Suddenly I was unable to access my account online or on the telephone. Eventually, after numerous telephone calls, I was told my account was being closed and I would be mailed a cheque for the funds. I waited patiently and no cheque arrived. I then called again after a few weeks and after numerous phone calls found myself speaking with the Executive Office. They again promised to post the cheque. It never arrived. I called again and after being thrown around again I was told the {$50000.00} had been sent back to the originating account and the {$6000.00} was being retained for administration fees. I have checked with my friend and he has confirmed that he has not received back the {$50000.00}. This is outrageous. I have been given no explanation, and in fact now when I call up they tell me they can not speak with me any longer. I have not been in any way untoward. I have been professional, courteous and patient, but they refuse to speak with me now. I am not sure why this has happened. There is no illicit activity from me and I have given no explanation. I now find myself having to reach out to you for a resolution. I have spent a lot of time, effort and energy trying to get some information and my money back. I am owed {$56000.00}. I have also spent a lot of money on expensive international phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX groups of loans were reported, accurately at the time of their reporting, as delinquent for 180+ days to credit reporting bureaus. A deferral was granted subsequent to the reporting which was retroactive and for a date range which included the original delinquencies. The loan servicer ( Nelnet ) refuses to update the past postings to reflect the retroactive deferral. Around XX/XX/XXXX, I initiated disputes with the XXXX major credit bureaus citing the dates of the deferment. Nelnet determined their reporting to be accurate and made no changes. On XX/XX/XXXX, I sent a dispute to Nelnet, in writing, which specifically referenced an interpretation letter by the FTC in which loans what were reported accurately, and then subsequently deferred, were to be updated ( even in cases where the reporting was accurate at the time ) to reflect accurate information ( such as dates for deferrals ). Nelnet informed me on XX/XX/XXXX that they were still unwilling to update their past reporting to the credit agencies regarding the status of my loans. I feel that their unwillingness to update the reporting is in direct conflict with the FTC 's interpretation of the Fair Credit Reporting Act, which charges furnishers of information with providing " updated and accurate information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The HELOC maturity date was XXXX XXXX, 2015. The final payment, based on the payoff quote provided in writing, was sent and credited to the account XXXX XXXX, 2015. The Ocwen website shows {$0.00} balance due however Ocwen continues to call everyday to collect {$28.00}. After numerous attempts to get someone to investigate the final settlement, it has been determined ( have a letter from Ocwen in hand ) that the loan was overpaid and Ocwen owes me {$13.00} ... The debt collectors refuse to take me off their call list. They want ME to write a letter asking to be removed even though it their mistake.

Company response to consumer: Closed with explanation