BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-19
Company: JP RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received calls from JP Recovery Services Inc, XXXX XXXX Ohio at my home, work and cell phone for months in attempt to collect on a debt I do not owe. I have asked multiple times over the phone and twice in writing to send me an invoice as according to my insurance company I do not owe any balance. 
JP Recovery Services has ignored my instructions and has called me at home multiple times a day, on my cell and at work leaving a message on general voice mail for everyone else to hear regarding my personal credit and collection issue. 
I have submitted XXXX letter on XXXX/XXXX/16 and another on XXXX/XXXX/16 requesting supporting document/invoice which I have not received to date. 
This impacts my credit report, my interest rate and ability to borrow by lowering my credit score and I am requesting assistance with this ongoing negligence of consumer protection rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
A guy named XXXX called to offer me a refund for a computer program I purchased, {$290.00} on XX/XX/2015. I had to have it returned to a checking acct. with a debit card.He made the refund and then said it was to much the bal. after the refund was XXXX. He said I would have to go to a XXXX and return the difference.I sent him XXXX on a XXXX, and that was all the money I had in my acct.The deposit he made was a fake transaction.The firm he gave me was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company filed a foreclosure on his house but held a check for from him for {$8400.00}, if the check held by the company his account should not face foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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:
In early XX/XX/2019, I opened a Citi Priority checking account online. A few days later, I received a welcome package with a W-9 form I needed to sign, and instructions on how to fund my account. Per the instructions, I mailed a check for {$50000.00} along with the completed W-9 form to XXXX XXXX XXXX, XXXX XXXX, TX. 

By XX/XX/XXXX, I noticed that the check had yet to be deposited. I called Citibank on XX/XX/XXXX at XXXX. and inquired about the missing deposit. During this call, I was advised by the customer support representative to place a stop payment on my check if it still hasn't been processed in the next few days. I waited two more days. On XX/XX/XXXX, I called my bank ( XXXX XXXX  ) to place a stop payment on the check. I then immediately initiated an ACH transfer of {$49000.00} from my XXXX XXXX  account to my newly opened Citi Priority checking account. 

Due to the stop payment, Citibank has now placed a hold on my entire account, and I am unable to access the $ XXXX that has already been cleared by XXXX XXXX. Multiple calls to the fraud department have been unfruitful. I tried explaining to them the reason I placed a stop payment on the check but they implied that I should not have placed a stop payment on the check ( they advised me to ), and questioned why I mailed in a $ XXXX check instead of depositing it at a local branch ( the welcome package instructed me the fund the account by mailing in a check ). 

I am requesting that they release the funds I have on deposit in my checking account, which totals over {$50000.00}.

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 2019-10-24
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX complaint number from previous company who sold this debt to a different company 2 months ago ( XXXX XXXX XXXX ) sold to Phoenix Financial Serv this was paid by insurance these 2 company 's need to be investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: M&T BANK CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I made several purchases again from XXXX. ; XXXX posted as normal and for some reason XXXX posted late and caused a bank charge of {$38.00}. There is another bank charge for a car loan that I missed a deposit which is my fault but they charge another late fee {$77.00} total. I have no control over when items post. I understand that but there has to be exceptions. The money was there but the posted thing is hard to understand. I am on a fixed income and there is no more until XXXX. How about stopping this {$3800.00} until then so I can have some money to live with for next month? You have made plenty in fees this month. This is my last not to customer service : " Regarding account : XXXX - I understand that but there has to be exceptions. The money was there but the posted thing is hard to understand. I am on a fixed income and there is no more until XXXX. How about stopping this {$3800.00} until then so I can have some money to live with for next month? You have made plenty in fees this month. ''

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 2022-05-05
Company: Experian Information Solutions Inc.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Bank Account # XXXX, has violated my rights. 

XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a checking account with M & T bank. Had an opportunity to make some extra cash doing what most like to do and that is shop. An evaluation compamy contacted me to evaluate companies close to my home. Well I fell for it and they sent me a check to make purchases and it was fraudulent. but I did n't know that so I deposited it ( never touched it ) and they closed my account and told me the decision was made due to past history. do n't have past history. all I want is my account 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 2017-02-07
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have recently joined M & T and love the bank but the fee 's are outrageous. I have received over XXXX dollars in fees since I have been with them and I have called to request a few fees back and nobody will help. I have always received assistance with other banks. They wont help at all. In addition there fee 's are XXXX each. I just asked for half of my fee 's back. I dont know why they dont try and accommodate there members

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Transunion reports a charged off credit card with XXXX XXXX XXXX. This account does not belong to 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 2017-01-12
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
just got off the phone with a representative named, XXXX. I explained that I received a fee and that it was unfair that I got such fee having requested for overdraft protection and that since my account was new if she would be willing to check into it and possibly refund me over the phone without having inconvenience to go in the branch. I ca n't just take off from work when I please for personal business. Nonetheless, she said that she would try and link the account but, turns out she could not since the account was so new. This is really a shock to me and I do not have money to give away. The money was there and I do not have a debit card yet, as it was promised 3-5 business days. I have never experienced such poor customer service for a mistake that was clearly not mine. I am sure policy does not require such treatment be this was as well. EFT was only used because I did not have a temporary card of some sort to use to have come out right away. Lastly the check was written in hopes of overdraft taking affect and now they want to keep my money, where there was no intentional wrong doing on my behalf.

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I found a collection are fraudulent account this is a identity theft

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 2016-06-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX/XXXX/2012, I sold my home via a cash sale. At the time Green Tree Servicing LLC ( XXXX XXXX XXXX was the mortgage holder ) discharged my mortgage after the sale was properly sold. The amount discharged was {$53000.00}, ( A XXXX Form was issued by Green Tree Servicing ). My credit report since 2012 reflected the cash sale with no amount outstanding or in arrears. Now comes Ditech Financial LLC from XXXX XXXX, SD and placed a balance of {$52000.00} on my credit report showing the amount is in arrears. It appears that Ditech Financial LLC bought the accounts from Green Tree Servicing or joing together. I became aware of this situation through my XXXX credit monitoring service, provided to Federal Employees. I want Ditech Financial to erase the amount it placed on my credit report, ASAP. This is damaging my credit now. Green Tree never placed the amount charged off as an amount in arrears.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Accounts/inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-04-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Some one hacked into my Regions Bank account and enrolled me into XXXX and withdrew {$500.00} from my Regions Bank account the persons name that is listed on the transaction is XXXX XXXX XXXX. I have never heard of XXXX and did not know who they were. When I loged into my regions account thats when i was hacked and someone had a virtual connection of my computer using XXXX XXXX. This person XXXX XXXX stole {$500.00} from my Regions Bank account using XXXX.

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 2015-04-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
My vehicle was repossessed in XXXX of XX/XX/XXXX due to alleged default. I had lost my job in XXXX of XX/XX/XXXX and had called Toyota Financial Services to advise them that I would be late on my payments. They said that a late fee would be assessed and that XXXX I missed 3 months of payments my car would be filed for repossession. I had missed my payments in XXXX, XXXX and XXXX but had paid in XXXX. I called Toyota in XXXX and explained that I would be able to continue payments as I was re-hired by my previous employer. I knew that I was already 3 months behind but the agent told me that it would be fine to continue paying as long as I caught up by XXXX XXXX. I called them again on XXXX XXXX and advised that I would be paying ALL of my past due balance within the week and that I may not be able to pay by XXXX XXXX. The agent told me that they would notate the account so that I would be given a chance to get the payments in. I went to log into my account on the XXXX to pay and my account was locked out. I, then, called Toyota Financial Services again and they told me my car was picked up for repossession the night of the XXXX. I explained my above story to the man in the " redemption department '' but he said there was nothing stated on the account that I had ever called and spoken to somebody. He said the only notes reflected that they had called me repeatedly but that I never answered. Admittedly, a number called me multiple times per day everyday. Whenever I answered, it was dead air so I hung up. I do n't have time to sit on the phone for 5 minutes waiting for somebody to answer the phone when they are the XXXX who called me XXXX. Either way, XXXX times I spoke to the agents in the Financial Department, I was assured that I could get my payments in and I was never once told that my account was up for repossession. I received letters from Toyota in the mail but I did n't think to open them as I had already spoken with them on the phone and thought everything was in order. I understand that I am held to a standard to ensure I pay my due balances. However, as I stated above, I talked to their Financial Department multiple times and was told that they would accept my payments. When I went to make the payments, even before the date they told me they would accept it until, I was unable to and came to find out they repossessed my car anyways. 
*I am submitting this on my boyfriends laptop. All of my account paperwork and information is at my apartment on another computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by email by LVNV Funding LLC, .of XXXX XXXX XXXX, XXXX XXXX, XXXX , KS XXXX, claiming that i owe {$760.00} to a financial institution named XXXX , i have never had any kind of credit/debit or loan accounts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CMRE Financial Services, Inc.
State: CA
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:
While checking my credit report I noticed an account that was not mine that was in collections/chargeoff. 
The information is Original Lender XXXX XXXX XXXX XXXX. 

Bureau Name CMRE FINANCIAL SERVICES Date-XX/XX/2019  Amounts- {$3200.00} This should be under my fathers report. 
We have the the same name exception of are middle name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-04-08
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I WAS SCREWED OVER BY XXXX IN XX/XX/2019 WHEN MY MORTGAGE WAS TRANSFERRED OVER TO THESE XXXX. DURING THE TRANSFER I WAS TO START MY FIRST MODIFICATION PAYMENT EXCEPT THEY CANCELLED THE MODIFICATION IN XX/XX/2019 BECAUSE NO PAYMENT WASE RECEIVED. DURING A MODIFICATION THE HOLDER HAS 30 DAYS TO MAKE THE PAYMENT. WITH THAT SAID IT TOOK PHH 8 MONTHS TO APPROVE ME ONCE AGAIN FOR A MODIFICATION. 

I WAS APPROVED IN XX/XX/2019 ACCEPTED IN XX/XX/2019 AND FIRST PAYMENT TO START IN XX/XX/2019. I MADE 3 PAYMENTS XXXX, XXXX AND XXXX ON TIME, MAILED THEM IN WITH MY APPROVED TERMS EACH TIME. MY FIRST PAYMENT WAS APPLIED AND PHH TOOK MONEY THAT WAS SITTING IN SUSPENSE TO INCREASE THE PAYMENT. MY NEXT PAYMENT IN XXXX WAS PLACED IN SUSPENSE AND NEVER APPLIED TO THE MORTGAGE. MY THIRD PAYMENT IN XXXX WAS SHREDDED AND RETURNED TO ME STATING IT WAS NOT ENOUGH TO COVER WHAT WAS DUE. I SENT IN THE SAME AMOUNT EACH MONTH ALONG WITH WHAT PHH APPROVED ME FOR.

PHH IS A BUNCH OF XXXXXXXXXXXXXXXX  THAT HAVE INCOMPETENT PEOPLE THAT CAN'T OPEN AN ENVELOPE LOOK AT THE PAYMENT ALONG WITH A COPY OF THE APPROVAL AND APPLY THIS TO MY MODIFICATION. NOW TODAY A YEAR LATER PHH CANCELLED ME AGAIN NOT MY FAULT BUT THE FAULT OF PHH XXXX AND LEFT ME ONCE AGAIN WITHOUT A MODIFICATION. 

THEY DONT GIVE A XXXX  ABOUT RUINING THE LIVES OF AMERICANS AND MAKING YOU LOOK LIKE XXXX  IN FRONT OF THE INVESTORS. BE PREPARED FOR A XXXX  OF COMPLAINTS BECAUSE I AM 1,000 % TANKED AND CALLING YOUR CALL CENTER WILL NOT HELP. AGAIN MORE XXXX IN XXXX THAT CANT HELP AND IT TAKES HOURS TO SPEAK TO SOMEONE IN THE GOOD OLD USA OF AMERICA XXXX YOU WILL BE SORRY YOU XXXX ME OVER ONCE AGAIN

Company response to consumer: Closed with explanation