BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In early 2017, I applied for -- and was approved for -- a Macy 's branded American Express ( i.e., open loop ) credit card, which is issued by Department Stores National Bank ( hereinafter " DSNB '' ), a subsidiary of Citibank. The card was given a {$7000.00} credit limit. I utilized the card heavily, charging several multiples of the credit limit. This often resulted in later-declined charges and fraud blocks on the card that became inconvenient. However, all bills were paid on time and all charges were authorized by me. In early XXXX, 2017, I had anticipated the need to make multiple large charges on my Macy 's American Express. As a result, I overpaid the balance by making in-store payments. This resulted in a substantial overpayment. My hope was that this would allow me to make continued charges on the card without the inconvenience of continued blocks on the card. Unfortunately, shortly thereafter, the card was locked. When calling the phone number on the back on the card, I was immediately routed to a representative ( usually with a 20-minute wait ) instead of the XXXX. This resulted in multiple inquiries about the status of the card. Despite answering all the questions related to the card 's usage and payment history, the card was not unlocked. In early XXXX ( a month after the card was locked ), I spoke with a representative from DSNB 's fraud team who indicated that the card was locked and that there was " no timetable for the lock to be removed. '' As a result, I requested that the credit balance be refunded to me, and the representative assured me it would be. In early XXXX ( XXXX XXXX, 2017, specifically ), having received no refund or even any indication of a refund on the electronic card-management system ( XXXX XXXX XXXX XXXX ), I sent a certified letter ( return receipt requested ) to the address of record for Department Stores National Bank indicating my written request for a credit balance refund in accord with 12 CFR 1026.11 ( a ). As noted in this code section, upon receipt of the written request, the creditor has seven ( 7 ) business days to return the credit balance to the consumer. Per return receipt, the letter was received by DSNB on XXXX XXXX, 2017. As of today, XXXX XXXX, 2017, the electronic card-management system still shows no record of a credit balance refund. As such, DSNB and its parent, Citibank, are in violation of federal law. To avoid continued dispute, please refund the credit balance to the cardholder immediately.

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 non-monetary relief
Consumer complaint received 2017-07-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage company, XXXX XXXX, won my home at auction with XXXX on XXXX XXXX, 2017 that XXXX XXXX XXXX listed on behalf of XXXX XXXX XXXX XXXX XXXX. All Documentation was completed and returned to XXXX XXXX XXXX XXXX as requested completed and signed on XXXX XXXX, 2017 at XXXX XXXX PDT. The Affiliated Business Arrangement Disclosure Statement was signed by the listing broker, XXXX XXXX XXXX XXXX signed on XXXX XXXX, 2017 at XXXX XXXX PDT and the seller Ocwen Loan Servicing, LLC Regional Sales Manager signed it on XXXX XXXX, 2017 at XXXX XXXX PDT. I believed everything was completed in accordance to the law, how ever I was notified on XXXX XXXX, 2017 that listing broker, XXXX XXXX XXXX XXXX agent for my mortgage companys other transactions wanted to interpret the contractual law herself and is now hindering my lawful access to my residence while the keys were already given to me. I feel that I am being discriminated against because my ethnicity and is and will try anything to hinder my lawful dwelling in my new residence. They are violating florida statute XXXX and all applicable florida real estate laws that are part of title 33 chapter 494 of the florida  statutes. You can feel free to contact XXXX XXXX He was the person managing the purchase. They are also committing securities fraud seeing how they are hindering funds that have been assigned to a fund that is part of a mutual fund. Please help resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I live in XXXX XXXX in XXXX, XXXX for almost five years. My lease was nearing expiration and I am a XXXX veteran and decided to relocate near my family in XXXX, XXXX. I wrote on my last money order to XXXX XXXX that I would not be re-newing my lease. When I did go to talk to the Leasing Office, they said I did not fill out the notice to vacate form. I did not know I had to fill out this form. It was in the fine print of my lease agreement but I did not notice that part. I begged and pleaded with management to not charge me for rent if my lease was up and I was actually moving. I have never been late on my rent or gave the management any issues. I was so upset when this showed up on my credit in collections. Not only did it showed up on my credit but my XXXX year old son, who is a college student. I am an XXXX veteran living on a fixed income. I can not afford to pay IQ Data Collection agency over {$2000.00} in charges and I dont think its fair that XXXX XXXX charge me this amount. My rent was only about {$1300.00} per month when I lived there. I am requesting that the company remove this debt from my son and I credit and allow us an opportunity to work this out with XXXX XXXX or walk away from this debt fully. Our lease was up in XXXX 2015 and that is when we officially moved out.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my XXXX XXXX has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. " The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my XXXX XXXX and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

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 2017-07-22
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company has written off a debt with XXXX that was proven to be my ex wives and not mine. This was over 5 years ago and they began reporting it to my credit report again and now have reported it again. The debt is written off and they can not keep putting it on my credit report but continue to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and XXXX XXXX reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.

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 non-monetary relief
Consumer complaint received 2017-07-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a My rtgage with XXXX XXXX that foreclosed in 2009, it was supposed to be removed from my cr fit reports last year, but regardless of opening complaints with all three credit bureaus it 's still showing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we refinanced our home with XXXX XXXX XXXX ( PHH Mortgage Services ). At that time we paid into escrow over {$5000.00} for property taxes that were coming due in XXXX. In XX/XX/XXXX we found out that our taxes were not paid and we contacted XXXX XXXX XXXX to find out what happened. At that time we were instructed to fax a copy of our property tax bill to them and they would look into it. On XX/XX/XXXX we faxed a copy of the property tax bill to them and a couple days later we followed up with another phone call for an update. At that time we were advised that they were still looking into it and to call back. This has been going on for two months of repeated phone calls and being told that its being looked into. Finally, on XX/XX/XXXX we received a letter from XXXX XXXX XXXX c/o PHH Mortgage Services stating that WE are responsible for the property tax payment ( despite there being approximately {$8000.00} in escrow ). Due to XXXX XXXX XXXX failing to pay our taxes on time we incurred {$640.00} in penalties and interest from our county tax assessor.

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 2020-01-07
Company: BANK OF THE WEST
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was a client at Bank of the West. I relocated from XXXX to XXXX XXXX in XXXX, XXXX. On XX/XX/XXXX, I was levied a {$10.00} service charge for no deposit to my account. When I sold my house, I had the proceeds wired into my account. On XX/XX/XXXX, I was charged a {$15.00} fee for the wire transfer. I closed all accounts in mid-XXXX, XXXX and asked a check be mailed to me of all remaining funds in my accounts ( {$1100.00} ). On XXXX, the bank made a charge of {$62.00} to the closed line of credit account AFTER I had paid it off! The cashier 's check I received was for {$1100.00} and had been mailed on XXXX. On my XXXX, XXXX statement, it showed my accounts being overdrawn in the amount of {$0.00}! With this I was threatened with being turned into collections. The issue was finally cleared up by the bank branch manager by the XXXX, XXXX statement. On XX/XX/XXXX, I received a bank statement that shows on XX/XX/XXXX, I was charged an annual fee of {$25.00} for from XXXX, XXXX on the line of credit that was paid off and closed in XXXX, XXXX! This bank is charge crazy and will find any reason to demand money that is NOT deserved from the clients.

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 2017-07-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tried many times over the past 2 years or more to be placed on an Income Based Payment Plan. Navient will place me in Forebearance and direct me to the internet to continue my application. Once there, I can not complete the application without my husband 's " signature '', but we can not figure out how to include that. He lives with me and we are both aware of and interested in the Income Based Payment Plan. I now owe almost double or more on my student loans than I did when I completed college.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
HYUNDAI FINANCE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX, It is a violation to re-age a collection account This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2017-07-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which  would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and XXXX XXXX reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

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 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-07
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: EQUIFAX, INC.
State: FL
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:
The collection agency properly can not verify this debt from XXXX XXXX XXXX after several validation requests yet it is still being placed on my credit report. I have written to the agency and the credit bureaus asking for removal. It has been more than 30 days since my request and they can not locate the information as requested and required by law. They never sent me a certified letter either as they claim and can not furnish proof by sending me the certified letter proof number. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Southwest Credit Systems, L.P.
State: PA
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:
Southwest Credit sent me notification of a {$830.00} debt from XXXX. This came thru the USPS. They 've assigned an account # XXXX and their own reference # XXXX. They have " offered '' a discount if I pay within 45 days of {$540.00}. I am current with XXXX/XXXX and only owe my monthly charge of XXXX. They have my name backwards but my correct address. They threaten to report this to the credit bureaus and ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Modlin Slinsky, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX XXXX 2017, filed extension with court to continue abusive collection proceedings under false claim that they had obtained new service address. I offer proof they have had my correct address since before XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, are debt collectors attempting to collect a debt of {$15000.00} ( or any variations ) on behalf of XXXX XXXX XXXX I have not received any services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have not provided any releases of my private information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I have no idea how XXXX XXXX XXXX XXXX XXXX XXXX XXXX obtained my private information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX are attempting to collect on an alleged debt that does not belong to me. This alleged debt was SOLD/TRANSFERRED to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to provide the accounting in accordance with G.A.A.P. XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to Furnish the name, address, and telephone number of the authorized representative that purchased this alleged debt. 
As per XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.

Company response to consumer: Closed with explanation