BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-07
Company: Empowerment Ventures, LLC
State: SC
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have a Rushcard prepaid debit card on which my XXXX funds have been deposited to for the past XXXX years. As of XXXX XXXX I started having problems accessing my account. I understood that the company was having computer issues. I have made a total of XXXX calls to Rushcard with only XXXX calls actually connecting to live people after hours of being of hold. When I spoke with the first representative, I explained that my account balance was incorrect and that their were pending items on the account which were actually paid on XXXX XXXX, 2015. She checked the account and confirmed that I was correct. She stated that she would put in a request for corrections to be made. After 3 days the balance was still the same so I tried calling again. The XXXX representative confirmed that I had called in before and that there was indeed a problem with the account. She told me to hold for a supervisor. The supervisor stated that she would expedite the request for correction. Today is XXXX XXXX, 2015 and it still as not been corrected. I made my last call today about an hour ago. I was told that the balances on the computer and the ones that were being given by the automated telephone service were incorrect and that to obtain a correct balance I needed to go to an ATM. Well, that did n't work either. My amount that is missing from my account is small, but when you are on a budget you need every cent. I have since had my direct deposit stopped, but I would like to have my balance corrected and the remaining funds made available to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28
Company: Empowerment Ventures, LLC
State: MI
Product: Prepaid card
Sub-product: Payroll card
Issue: Adding money

Complaint:
I am a rushcard holder, and two weeks ago there was some type of glitch with their system once they upgraded their technology. Because of this, I was unable to gain access to my funds that were supposed to be direct deposited the day before. I also was not able to reach anyone at Rushcard for several days, and still have been unable to reach anyone as of today. 

This caused my bills to be late, and I am now trying to play catch up on the expenses that I had during that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am currently enrolled inschool, I was told that I had to begin paying my stident loans last XX/XX/XXXX. I am only making {$XXXX} a year and I can barely afford to stay afloat. I have asked for payments that I could afford they are charging me {$380.00} a month which is the lowest they were willing to go. I am barely living, I have askedd for other alternative, and they state I can pay interest only for {$310.00} a month and then my payments would go up after 18 months to over {$600.00} a year. They are n't taking all my debt into a coun and it is truly causing a financial strain to ake my payments each moth, I just feel that I am all out of options and stuck. Also when I advised of my hardship the rep just pulled my credit report without my knowledge and then just started getiing an attitude with me when I was only trying to work out an arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
I always make my payment at the end of the month. I have spoke to people repetitively each month to schedule automatic payment on the XXXX of each month. It looks like my payment was taken out at XXXXXXXX XXXX on the XXXX day. It should have been taken out on the XXXX. I did not make this payment late. Technically, it was still paid within XXXX And this is incorrect reporting. I have called and spoke to new Rez directly about this and they should not be an issue. please remove the late off my credit report as I am not late. I am losing faith in these automatic/scheduled payment systems. They do not seem to be accurate and XXXX things up. Payment was made. Please remove the late Remark on all credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Advanced Collection Bureau, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Pursuant to Title USC 1692C ( C ), I am invoking remedy as the consumer natural person and DEMAND Advanced Collection Bu cease and desist debt collection activity with removal from ALL bureaus.

Advanced Collection BU needs to remove ALL and ANY reporting of the debt collection activity from all consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Fitzgerald Goldman & Associates, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I continue to receive calls from XXXX that will not leave a message but if I pick up the phone it is an automated message stating they have attempted numerous times to reach me with no luck and if I do not respond they will advise their " client '' on further legal action. They provide the number of XXXX to call and give my statement so they can provide back to their client. 

First of all, I have NOT received ANY written correspondence from this so called scam artist business that claims to be " XXXX '' I want this company to stop harassing me when they are obviously a scam debt collection company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Toyota Financial sent me included a miscellaneous charge in the amount of {$630.00}. XXXX. They stated that XXXX County ( XXXX XXXX, Texas ) assessed a property tax and that they paid it and passed the amount to me for payment. I requested a detailed accounting of the bill, however Toyota stated that they could not give me any records because of " privacy issues ''. I was instructed to contact the XXXX County Tax Assessors Office. I did so. They informed me that the county assesses a tax on the entire fleet of the leasing company 's yearly rendition and that the Tax Code requires the owner ( Toyota ) to complete the Lessee 's Affidavit of Primarily Non Income Producing Vehicle Use ( Form XXXX ). Toyota now claims that they did not receive a notarized TX affidavit " by the required deadline ''. They do not indicate when the deadline was, who was supposed to file it, and what type of notarized TX affidavit was required in order to be exempt. Further they stated, " Therefore we are required to report the vehicle as business use and no refund will be issued by the county. '' It is my understanding that this tax applies to commercial vehicles only and DOES NOT apply to personal use vehicles. Toyota Financial states that I need to refer to my original lease and that I am liable for payment, even though there appears to be some sort of clerical error on either XXXX County or Toyota. It hardly seems appropriate that I would have to pay a tax on my personal car because it has been erroneously listed for commercial use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Asked EdFinancial for refund on XX/XX/XXXX for paid student loan refund during " pause ''. Payment was made in full on XX/XX/XXXX for {$4700.00}. I was told wait 4-6 weeks, after 4 weeks I called back for an update; was told to wait. I called back on XXXX for an update and was told it was being processed and then hung up on twice. I am unable to apply for one time debt relief, and unable to make the XXXX deadline. 
Each time I have called, I received different responses and am hung up on. 
I understand that this process means reopening my loan and having a balance restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Caliber Mortgage has decided to create their own Bankruptcy Law, when it comes to short sales. Caliber is demanding an approval from the court ( " Motion to Sell '' ) allowing the short sale to take place, and will not give the court any kind of short sale approval terms whatsoever. The BK court will not review a Motion to Sell until they have all approval conditions from the mortgage lender. Caliber has decided that they are above the BK court and are going to create their own rules as to how a short sale works when the borrower is in bankruptcy. What is Caliber trying to hide from the BK court?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Caliber Home Loans, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
From Friday, XXXX XXXX, 2016 until Friday, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX and Her True and Lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) has made it crystal clear via faxes sent and eighteen phone call conversations with CALIBER HOME LOANS, INC., during the timeline as stated above that XXXX XXXX XXXX has been deceased for approximately three years and eight months, and secondly, the property that CALIBER HOME LOANS, INC., is attempting to attach to CALIBER CONDUIT ACCOUNT NO. XXXX, is not and has never been property that was or is a part of THE ESTATE OF XXXX XXXX XXXX. ( open first " XXXX Attachments. '' ) CALIBER HOME LOANS, INC., was also clearly notified on Monday, XXXX XXXX, 2016, via a " GENERAL POWER OF ATTORNEY '' that no USPS mail or any other mode of mailing shall cease and desist from being shipped to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, but CALIBER HOME LOANS, INC., has now violated the FAIR DEBT COLLECTION PRACTICES ACT twice by shipping USPS mail to mailing address as stated above, instead of following what the GENERAL POWER OF ATTORNEY clearly instructs, which is to mail to XXXX, XXXX XXXX XXXX, c/o XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. ( open " Fourth Attachment. '' )

Company response to consumer: Closed
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
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:
As an XXXX student in the XX/XX/XXXX, I was n't eligible for most school aid programs so relied mostly on student loans such as Stafford, XXXX, Perkins and a small Pell grant, plus a private loan. After earning a XXXX and XXXX, I graduated in XX/XX/XXXX with over XXXX in student loan debt. Needing an immediate job because of the debt, I began working at a XXXX in XX/XX/XXXX, continuing until XX/XX/XXXX. Sadly, the high cost of city living and my student debt payments overwhelmed my XXXX paycheck. When I originally consolidated my loans, I was told by both the Federal DOE rep I spoke to and by my private loan servicer ( XXXX ) that I did not have the option of transferring my loans into the Fed Direct Loan consolidation program. Later, when the Public Service Loan Forgiveness ( PSLF ) program began, I called again to ask if I could get in to the Fed Direct Loan consolidation program to qualify, and was again told by my servicer Navient and the Fed Govt that I did not qualify. However, last year I learned ( just as I was leaving my job ) that indeed, by combining my Perkins Loan with the Stafford/XXXX loans, that I would qualify, so I transferred my loans to Direct Fed loans. BUT, this happened in XX/XX/XXXX, though I would have been eligible when I called about it back in XX/XX/XXXX. This means that I would be almost 9 years into the 10 years of on-time payments and thus very close to having {$230000.00} of student loan debt forgiven as PSLF. In other words, the incorrect and incomplete information given to me on multiple occasions by both my private student loan servicers and by the federal government has potentially cost me many, many thousands of dollars. I would like to continue my non-profit work, but can no longer afford to do so because of this large student debt. My current student loan debt is causing undue hardship and is affecting my future employment and housing options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: CURO Intermediate Holdings
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have an installment loan through Speedy Cash, and they regularly apply payments to my installment loan account several days later than they are drafted out of my account which causes additional interest to accrue on my account. Payments are never withdrawn from my account on the draft date that I have selected and the payments are never applied to my installment loan account on the date the money is drafted out of my account bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i am filing a complaint against ocwen mortgage servicing llc because of my escrow account calculation are incorrect and they will not correct the issue. I have made serveral attempt to resolve the matter. I have request a complete audit of my escrow account since ocwen has taken over my mortgage account. I have done a calculation of my escrow account. and compared to there analysis. I will attach a copy of my calculation and there original analysis. the original analysis was done on XXXX XXXX 2015 and when I question the analysis the sent a second one XXXX/XXXX/2015 which was even had more errors and double billing and collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Operating Partners Co., LLC
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A Company named Operating partners LLC and XXXX XXXX XXXX XXXX sent me [ XXXX/XXXX/2015 date I received the letter ] to collect a debt for XXXX XXXX XXXX for the amount of XXXX. Following that the same date I proceed to dispute the whole debt i did'nt recognize because does not belong to me and also started a dispute with all credit agencies, because my personal information have been compromised by the information gap that affect the federal agency Customs and border protection regarding all its employees, contractors, retired personnel and candidates for employment and they inform me in writing. I 'm on identity theft and credit monitoring protection program paid by the agency as I said on my letter. After thaht a few weeks later they sent a letter without any date asking for all my personal and sensitive information to allegadelly taking care of my claim of suspected identity theft and started a claim for me. Obviously I did n't gave them my information for my own protection. I proceed to sent them a XXXX letter dated XXXX XXXX 2015 to sent me written verfication of the debt with all the information they have and caliming them that I have asked for this information because I have some questions. I need more information to make an informed decision about your claim, In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. I used a sample letter from the CFPB website to set my rigths under the FDCPA saying them " Tell me more about this debt. '' They never annswer my letter and sent me any of the information I requested. I called twice and put me on hold and then they hang up. Yesterday I received court papers because they sue me on a district court here in XXXX XXXX and I have to appear in court on XXXX XXXX 2015, also on the court papers they put me as married person and I 've never been married. Now Im starting to filed a fraud alert on my credit report because of this situation and already filed a case with a company named XXXX XXXX ID that monitored my credit and intents of identity theft to protect myself and information and investigate thanks to this program I discover thaht this debt is a credit card because they did n't gave that information either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
BMW Financial Services is inaccurately reporting a repossession that occurred XX/XX/XXXX. I have spoken with them, written them letters, and XXXX has also called them. At first I thought this was an honest mistake on their part, however, this has gotten worse after I filed a complaint with CFPB XX/XX/XXXX. In fact that lady I spoke with XXXX XXXX brought up the complaint. At this point I believe that they are re-aging the debt in an attempt to collect it. This is in violation of the FCRA. Please see the letters and my credit report that has showed the continue to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The finance company has left messages for one of my references giving detail XXXX what the call was about. And left a voice mail at my phone # giving VERY specic details, amounts, dates concerning my account information. I work collections and these specific details, Im told are against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Alliance One, Inc.
State: OH
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:
I received a debt collection notice for a speeding camera ticket. I responded immediately and requesting the following : Prove that you are licensed to collect in the state of OhioProvide me with your license numbers and a Registered Agent 's name Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment ; Prove the Statute of Limitations has not expired on this account ; The response from the collection contained none of the requested information. The response stated that their investigation was complete and that I owe what they say I owe, along with a photo of my license plate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
They are Imposing on me a force-placed insurance on me when Ocwen knew or should have known that they already had adequate home-insurance coverage ... .I send them two faxes tell them this and no response back to me, I asked state farm my house insurance to fax over the declaration statement and other statements to them on the 2nd notice.they didnt respond to me either on that. and on the first notice i told them by fax that state farm had my insurance i will call them on monday for the 3rd time i dont know if this will be sucessfull or not. so i wish to submit my complaint in fear of possible foreclosure or extra fees that i dont have to pay. please email me at XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: CA
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:
Basically I asked the credit report bureau ( Experian ) to do verification on my credit report, they did and they stated that everything Is accurate. 
I did another research by myself, and I found improper and inaccuracy on my credit report. 
Here is the information on inaccurate account that shows only on my Experian report and not even the other two bureau ( XXXX and XXXX ) report that. 

Even it does not show the full account number in the report, and it just shows as account # XXXX XXXX XXXX credit card XXXX In accordance with the fair credit reporting act XXXX XXXXXXXX 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 640 A. it also states a consumer reporting agency can not furnish a account without my written instructions.

i am requesting to delete the account please.

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 2021-03-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with non-monetary relief