BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX is a federally registered service mark of XXXX XXXX and is used by Department Stores National Bank pursuant to a license. The Macys XXXX XXXX Card program is issued and administered by Department Stores National Bank. 

Macy 's Credit Card has taken away all access to my credit card statement and removed the ability to make payments online. They have called me several times a day during my work hours after being told not to contact me during work. When I called their customer support number # XXXX, I was told the department that can resolve the issue is only open during my work hours and the only way they can resolve the issue it to contact me during my work hours. It is against Federal law for me to use my phone at work. I can not pay off my debt online as part of the agreement Macy 's made when I opened the account. I am being contacted by their debt department during my work hours when I requested not contact to be contacted during work hours. Macy 's has taken away my ability to view my electric fund transfers from their online portal. Macys.com lists no information on the FCRA, FCBA, EFTA, FDCPA and list no contact information for disputes. 

The last attempt at reaching their customer service XXXX XXXX XXXX XXXX at XXXX XXXX  XX/XX/2020. I directly asked for their legal departments contact information to file a formal dispute and was told " they are not allowed to give that information out. '' When asked for any contact information to file a formal dispute I was given the number for the same branch only open during my working hours. It is against Federal law for me to use my phone when working. As I told their customer service center before, I can not use my phone during work hours.

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 2015-11-04
Company: AmeriCash Holding LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called into Americash customer service line to inquire about a notice I received on my loan. The notice was a " Notice of Adverse Action '' sent on my account XXXX times ( latest being dated XXXX XXXX ), but payment was made on time. Called into customer service and spoke to " XXXX ''. XXXX was extremely rude telling me to just disregard the letter. I seemed to be annoying XXXX when I continued to try to get an understanding of what was going on. I asked XXXX could I speak to a supervisor. He came back 1 min later and said no one was available. I told him I would just hold until XXXX was available and he says " just call back! ". I said fine.. my intentions were to call back to speak to another representative. I asked for his name again and he said " XXXX ''. Then I asked for an additional way to ID him. I asked for ID number and he says " It does n't work like that and just call back! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Affirm 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:
I have never applied for any loans with Affirm, Inc. my information was stolen and this account is inaccurately being reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
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:
In XX/XX/2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX XXXX years prior and had never been paid on. 

I reached out to the debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. They responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

They did not adhere to any of my requests and instead sent me a bill to pay for the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX petty deception still continues?! # I 'm not paying them or vantage sourcing, now these petty criminals referred it to north shore agency. SIMPLE, these petty XXXX thieves breached california laws of good faith and fair dealing. Especially their stuck on stuck balance billing. e.g. these idiots attempted to _fraudulently_ charge me an early termination fee for ( trying ) a XXXX tablet I sent back _dis-satisfied with and that phony 2 years contract I NEVER agreed to. Took these clowns 2 months to fix their intentional deceit/blunder. In the mean-time continue to balance bill me on this stupidity. These superficial derelicts need to be personally held accountable!!!!! Using their crammed/overcharges outrageous profits to pay there sloppy fraud and deceit. Is that XXXX paid out?! # I do n't owe verizon anything. What have you done with my formal complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
My name is XXXX XXXX and I have been filing complaint after complaint against Ocwen Loan Servicing regarding their failure to provide me with the satisfaction of my loan documents. Please refer to previous complaints on file. 
Ocwen has been repeating over and over again that they do not have to file a lien clearance because there was no XXXX continuation ; however, every attorney I have contacted concluded that issuing a lien clearance, even when there was no lien continuation, is the obligation of the last servicing agent - i.e. Ocwen Ocwen has been servicing the loan on behalf of an investor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX whom I did n't know existed until late last year when I was forced to sell another unit I owned in the same building. 
Ocwen has further claimed that they had lost the original loan documents when in fact their records indicate that they did receive the loan documents from XXXX XXXX XXXX. 
Ocwen is going out of its way to pay for lost documents they never lost and refusing to issue the lien clearance. 
I have never dealt with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX nor any other party but the financial institution thru whom I requested the initial loan from - The XXXX XXXX XXXX. This financial institution after filing for bankruptcy almost right after the closing took place, which it seems XXXX knew beforehand as records show that the same day my loan closed in XXXX, XXXX took the liberty to assign the note to their sister company XXXX XXXX without ever disclosing it to me - the borrower. XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all related parties ; however they never disclosed their identity nor their participation in the notes thru the years. They simply worked under the table to get shareholders leave them with the notes ( horror stories I heard thru the years which it was hard for me to believe until I experience them myself ) It is clear to me that the above is a ring of corruption that needs to be stopped. I need to know who has taken illegal assignment of my note as that is the only explanation I can find for Ocwen 's reluctance to issue the lien clearance and the fact that XXXX XXXX XXXX filed for a XXXX on my loan in XXXX when I never had any involvement with them. 


Sincerely, XXXX XXXX PS None of the mortgage process listed below applies to this complaint. My complaint is related to the final payment of the loan. Ocwen is a collection agency and that is another thing I do not understand : why was my loan serviced by them when I never defaulted on my loan and they were always paid on time. Was their investor trying to show that I was late so that they could claim the property on foreclosure as they did in many other cases to later re-acquire them at a bogus price to avoid paying the taxes,,, ,and the respective fees to the Corporation (? )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: United Recovery Solutions
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I got an automated message asking me to call XXXX. When i called the number a gentleman asked me for my number. I asked him who I was contacting and he said United Recovery Solutions. I asked him what they do and he said Collections. I gave him my number and he said it was in regards to an account with XXXX. I asked him how old the debt was and he said 6 years. I knew that debt was more than 12 years old so I informed him that that debt was more than 10 years old. The gentleman started calling me a bad father and a " XXXX '' for hiding behind the statue of limitations and said he will call me constantly about this debt because I ca n't stop him. Is this a violation of the FDCPA?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The prior owner of my property, XXXX XXXX XXXX, XXXX, Ohio XXXX has the cancelled note for the property and I subsequently purchased the property in XXXX 2016. Ocwen identified that they had NO RECORD of an account still existing on the property. Regardless of this XXXX is foreclosing on the property and all references refer back to Ocwen and account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My " mortgage company '', only because GMAC dropped us there when they quit us, Ocwen once again is trying to push us, who have never missed a mortgage payment in our lives, into default by continuously not mailing us a payment request form. They did this to us a year ago and after complaints they resumed sendings. Last month : nothing ... we had to dig up information and write them a letter along with our payment. This month again nothing. they seem to be trying to deliberately cause a problem for us. We onle owe {$48000.00} on a {$200000.00} home. they seem to want to get their hands on our home through default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: TX
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:
In XX/XX/2020, I discovered that I had become a victim of identity theft. After being denied for a credit card, I checked my credit report and saw several ( 22 in total ) student loans that had been taken out in my name totaling $ XXXX. All of these loans are open and have not been paid on for years resulting in them continually gaining interest. I sent in a letter notifying all 3 credit bureaus that my identity had been used fraudulently, along with a FTC affidavit and a police report but they refused to block the account stating that it was " validated ''. When asked why they refused to block the accounts when I'm showing adequate proof that the accounts were not mine, and provided them with the proper documents needed to have the accounts removed they declined to answer. 

I followed up by requesting that the creditor provide me with details on what method they used to " validate '' the account, all while forbidding them from using E-Oscar to do so but they disregarded my request and sent another letter stating that all 22 accounts were validated. I specifically requested that they provide me with physical proof of a contract with my signature showing that the debt is mine but again, they ignored my request and continue to state that the debt was " validated '' with no physical proof nor explaining which method they used to do so. 

Recently, I sent in a letter of Notice to Furnishers of Information to the creditor to let them know that per the FCRA, they MUST report accurate information only and once again, they ignored my claim and continued to state that all accounts were " validated ''. Time and time again they have continued to violate the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I had went under contract to buy a house. The sellers didnt inform the listing agent of liens on the house. So after 3 and half months of being under contract a company named " ocwen '' came in from no where and swooped up the house and auctioned it off. We gave them everything they needed to call off the sale. They didnt and we lost over a thousand dollars we put into this house. My loan was approved, the house was appraised, inspections had been done and a bunch of repairs had been made. They sold the house for XXXX less than they were getting from me. Im so frustrated. So is all the realtors and my lender. What should i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Early Warning Services, LLC
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: Account status incorrect

Complaint:
I was a victim of a scam, they even hacked my email and got all of my information in 2019. I have all the police reports, and the pictures of fake checks and hacking proof more than once. Money was stolen from my other account twice after that. I can't open a bank account because Early Warning refuses to correct my information. I have solved everything with XXXX  XXXX XXXX and XXXX. I'm asking for a resolution, to help me out to be able to open a bank account. It's not XXXX, XXXX, XXXX, it's not any other company preventing me from getting my life together.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: FIRST HORIZON BANK
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I recently applied for a Home Equity Line of Credit ( HELOC ) from First Tennessee Bank, of XXXX, Tennessee. My application was denied, due to insufficient income. The fact that I have roughly XXXX dollars of real-estate assets, in addition to owning fully my own home, valued at roughly XXXX dollars, upon which proposed HELOC would be based, apparently had no bearing upon First Tennessee Bank 's decision, in regard to said HELOC. 

According to the CFPB pamphlet " What the new Ability-to-Repay rule means for Consumers, '' referring to a provision in the Dodd-Frank legislation, the rule " applies to most mortgage loans. However, it excludes certain types of loans, like home equity lines of credit.... '' As the CFPB pamphlet relates, income should have no bearing on a HELOC, which is a loan upon the value of the potential borrower 's equity in the property itself. Again, I own XXXX % of my c. {$500000.00} home. There is no mortgage. 

By rejecting my application on the grounds of insufficient income, First Tennessee Bank would appear to be in clear violation of the law, as related in the above-cited CFPB publication. 

First Tennessee Bank 's claim that bank regulators require them to base their approvals of HELOC 's upon prospective borrowers ' income, does not excuse First Tennessee Bank from their apparent violation of law. Nor does said claim relieve First Tennessee Bank of any penalties or awards resulting from said violation. 

I am a retiree, with very limited income. Living expenses require that I supplement my insufficient retirement with personal assets. Recent expenses require that I liquidate one asset, a certain parcel of commercial real estate, in order to meet ongoing expenses. Until that happens, I need a HELOC to meet said expenses. 

The refusal of First Tennessee Bank to advance such HELOC, allegedly contrary to law, places me in jeopardy of losing my fully-owned home, contrary to reason and justice. First Tennessee Bank 's action or inaction has caused me tremendous emotional stress and pain, in the months since their refusal. 

I implore the CFPB to use whatever powers and influence it may have, to try to induce First Tennessee Bank to uphold the law, and not refuse my application, due to insufficient income. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: First Direct Lending, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was contacted by an agent, XXXX from First Direct Lending, in reference to a refinance. I was told that if i paid {$220.00} for the appraisal which would cost {$450.00} and if the loan did n't fund I would get back the money. I charged the {$220.00}. and sent in all documents requested and they stopped contacting me saying that my income was n't enough and I kept getting the runaround from them not returning phone calls, etc. Finally the sent me a document saying the loan was adverse and that I did n't qualify due to old delinquent credit history, and my income. I have contacted the agent and emailed him sent him a text regarding my appraislal fee refund and have not heard back from him.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: American First Finance, Inc.
State: SD
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:
When I was making the never report any payment to the credit bureau then when the public health issue started then I lost income and tried to settle account with them for the amount that I had, they have denied the offer for the settlement. After all they report as write off and put my credit score to negative status and then I have paid off the account and they still not able to update the credit score with paid in full status but with paid/charged. I c ok considered this is not fair report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BOK FINANCIAL CORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This company is holding my XXXX hostage, I'm trying to close the account & move it to rollover ira, & they just will not do it, it's another excuse every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: DE
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:
I pulled my credit report and discovered there were inquiries that were never authorized. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Stellar Recovery, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
After having my credit pulled for a home loan, I was informed of an open collection from stellar recovery inc . 
I have NOT received any communications ( mail, email, phone, etc. ) from stellar recovery inc . This debt has not been validated or verified. I have not received any notice of a right to dispute before they reported to all XXXX major credit bureaus. There is not enough correct info to verify the debt or amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My Loan Originator/ Realtor signed Documents on my behalf without Authorization to do so. My husband and I were reviewing Residential Purchase Agreement and received word that XXXX XXXX went ahead and completed a Residential Purchase Agreement on our behalf. The Documents were signed Electronically using her own personal email and work email. She does fraudulent things like this often and we are tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Credit Systems International, Inc.
State: OK
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 terminated trash service before I moved but unknown to me they kept billing for the service and then turned it over to a collection agency that has reported it the Equifax. 

Calling the agency was rather confusing. They wo n't take the {$92.00} because i say I do n't owe it and they wo n't remove the credit line item either.

Company response to consumer: Closed with explanation