BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-23
Company: BlueChip Financial
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This company spot loan submitted an illegal usury interest rate claim to these people that is called XXXX banks XXXX ... .I do not owe these people anything and would like for them to stop harassing me ..I am XXXX ... .years old and can not take this type of consistent harassment.

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 explanation
Consumer complaint received 2018-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There were two hard inquires that I did not authorize. I do not know how these inquires were made and why. 

One was from XXXXXXXX XXXX - XX/XX/2018 Another one was from XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a tour company and I use citi credit card to purchase airline tickets. Because of the coronavirus recently, I am getting a lot of air tickets cancelled and the money keeps returning to my credit card, so the balance became negative and the amount citi bank owe me keeps increasing. 
On XXXX, the balance was around XXXX so I called citi bank to requested a refund to my checking account. 
On XX/XX/XXXX, I messaged citi bank to ask about the progress and was told the refund request was declined because of the amount requested was larger than the amount they owned. They were lying because the balance was around XXXX when I called. 
On XX/XX/XXXX, I messaged citi again and ask them to send a refund of XXXX to my bank account. My company is suffering from the impact caused by the coronavirus so we need the money desperately. 
It's XX/XX/XXXX today and the balance is now around XXXX and I still haven't received the refund. 
During such a difficult time for everyone, shame on you citi bank!

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 2017-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On  XXXX   XXXX  , 2017, some one cashed a forged check in the amount of {$1500.00}. On  XXXX   XXXX ,  2017    when the check posted on our account, we first contacted Chase and informed them of the fraudulent activity, then immediately filed a police report with  XXXX  Police Department case #  XXXX  with   XXXX    XXXX . Chase informed us it would take up to 30 days to investigate and return the funds. On the  XXXX , we contacted Chase to get an update on the claim and they informed us the claim was denied. They would not refund our money because we were negligent with our checks. That we " didnt keep our checks in a safe at all times. '' My husband went to the local branch to discuss this matter further and the banker herself said she has never kept her checks in a safe ever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX/XXXX/20, I received a fraud alert from Citibank. I immediately called them and found out that my daughters custodial account was hacked and her debit card number was stolen. I asked the customer service representative to close her debit card and re-issue a new card. I made sure to ask the representative if only her debit card would be closed and she assured me my personal debit card would not be affected. Turns out she blocked the wrong card and left me without access to my funds for over a week. I tried using the card and kept getting declined. I tried buying food for my children and I was unable to do so. When I called Citibank on XXXX XXXX, 2020, I informed them my card was not working but the representative said everything was fine with my card. On XXXX XXXX 2020 I ordered food from the grocery store and when it came to pay online I was unable to do so using my debit card. Turns out that my initial call to Citibank on XX/XX/XXXX closed my personal debit card and not the debit card associated with the hacked account. To make things worse, after my phone call on XXXX XXXX, 2020, I get an email saying that my new debit card is activated. Mind you the new debit card has not been delivered to my house but the representative took it upon himself to activate the card. When I called Citibank on XXXX/XXXX/2020, I spoke to two different women. The first woman finally deactivated the correct card that was initially hacked into. But then she passed me on to another woman who told me she would get a new card to me by Monday. When I told her that its Thursday and I have no money to feed my children, I requested that a new card be expedited with XXXX but she needed to get a supervisors permission. While waiting for her, the call got disconnected and she never called me back. When this happen, I was on the phone with Citibank for an hour so I went online and spoke to another representative through their chat feature. He informed me that the previous representative did put in an order for a new card to be expedited and arrive by Saturday, XX/XX/XXXX. Currently its XX/XX/XXXX and Im praying that the new card gets here by XX/XX/XXXX. I am writing to you because Citibank and their employees have made so many mistakes with my accounts that it left me without the use of my debit card and my funds. There is no excuse for such a huge bank to make sloppy mistakes that leave families without the ability to buy food especially during the holidays. I dont know if the expedited card will get here by XX/XX/XXXX but I am hoping so because I do need to buy food for my family. I can not keep borrowing money in order to feed them. Shame on Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The conversation was not obscene, profane or abusive, but I feel their tactics to get you to repay is unlawful. On XXXX XXXX, 2015, I called National Credit Adjusters to set up a payment arrangement beginning XXXX XXXX, 2015. XXXX XXXX asked me could I make a payment this month. I told her no and that I do n't get paid again until XXXX XXXX. She then asked me what would be different in XXXX and what will be different considering that I just got paid and already do n't have money. I told her I would get paid in XXXX and I do n't think it 's any of her business what will be different and that if I am calling to set up payment arrangements, then its obvious that I will have money on that date. She stated that it was her job to ensure I would have to money to make the payment. We went back and forth and I hung up on her. I then called back and asked to speak with a manager. I spoke with XXXX XXXX. He reiterated that it is their job to ensure that money will be available to make the payments. He would not set up payment arrangements with me and told me to mail the payments in when I could. We then argued and I hung up on him as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: SCOTTRADE BANK
State: IA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
My XXXX opened up a Scottrade account to do trading and a number of our individual members also had a Scottrade account. Unfortunately, bad service and rude support from Scottrade has convinced us to close our account and transfer our money elsewhere. Let me explain. 

Scottrade Bank and Scottrade XXXX are very closely connected, once a brokerage account is opened, Scottrade pretty much forces you to open a Scottrade Bank account to withdrawal any money. This process is time consuming and in the face of rude customer support and delays, one is immediately faced with a money withdrawing delay that is easily double of what competitors can do. The delays and lack of understanding by Scottrade management and support caused significant problems and stress, when I voiced my concerns Scottrade acted as though they " did n't care '' and were too busy with " high net worth clients '' and could close my account not have over XXXX in assets. This frustrated me and my investment friends even more. 

Last year we were switched secretaries and one of them noticed that the Scottrade account agreements we had on file were different that the agreements Scottrade was posting online. We later discovered that Scottrade was making enormous changes to its terms of service and account agreements without any notification and when we asked them for the original contract they were unwilling to provide it, and this unfortunately, led to our next problem, Scottrade 's failure to deal with disputes. 

For our records, we required the original account agreement and thus requested the document on numerous occasions but Scottrade failed to provide it, their final response was basically saying, " your account has been closed ... and we consider this matter closed ... if your dispute continues you may file arbitration ''. The thing is, Scottrade will not provide instructions or evidence that an arbitration agreement exists. Putting us in an extremely difficult spot, we have and we reiterate our requests that Scottrade provide us with the original arbitration agreement. 

Finally, Scottrade was hacked, according to a press release in XXXX, and said it sent out emails to those whose accounts were effected, we got a few of the emails and the phone number Scottrade instructed us to call would not connect, once again, filing a complaint against Scottrade led to no response. 

I would warn others that if the behavior of Scottrade to not respond to serious customer concerns it is likely better to move your money elsewhere, our club, and XXXX of its individuals have already done so and are better off for it.

Company response to consumer: Closed
Consumer complaint received 2020-12-24
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I wrote to Specialized Loan Servicing ( Servicer ), the Bureau of Consumer Financial Protection, and the Federal Trade Commission, Equal Credit Opportunity to say that the escrow account reflects a fraudulent amount. The property 's insurer information is being withheld from true notation. Foremost Insurance is the insurance provider and Specialized Loan Servicing has been billing me every month since before XX/XX/2020 for Hazard and Fire Insurance in the amount of {$3100.00}. Cumulatively this amounts to a fee of {$1100.00} added to my monthly mortgage every month. This amount is more than 100 % of my standard monthly payment. When I requested an escrow analysis statement of said account I received on XX/XX/XXXX a letter from Specialized with the wrong property address. The entire document is thus invalid. I have since received nothing correcting the previous document. My recent call to the servicer was with a belligerent agent who would not access my previous records or analysis statements, nor was I allowed to request a call back with a supervisor before I was rudely rushed on the phone by being out on hold ; XXXX in XXXX, Arizona. Poor show.

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 2016-08-25
Company: Empowerment Ventures, LLC
State: ME
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I do remember closing this account back in XXXX. I also requested for all accounts using my social security number to be closed, and remaining monies returned to me. Now, I am receiving emails stating I still have funds available, and to use the funds before a " dormant fee '' applies. I have attempted logging into my account, but the site is asking for my card info. I destroyed the card ( s ), in XXXX, I also recall the card ending in XXXX, had an expiration of XXXX, XXXX. Reason why I closed this account, is due to an over sixty day delay in the issuance of monies from the IRS. Also, I was notified from a government depositor, they permanently blocked this cards routing number, due to possible fraud occurring with other clients. It is stating my available balance on the card ending in XXXX is a little over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Currently with Ditech Mortgage company - pay one month in advance on mortgage payments. Ditech shifted internal mortgage account numbers and when did, the new statement showed payment due one month prior. Representative stated that instead of payment applied to future month and additional principle, XXXX % of it was applied to principle. This is a no-penalty advance pay mortgage contract and we are quickly approaching the 'late fee ' date with funds not being reallocated as indicated on the coupon and as requested for the last 3 weeks ... multiple supervisors spoken to and NO ONE seems to want to take responsibility and call back. PLEASE HELP!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to JPMCB CARD SERVICES agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off/collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting JPMCB CARD SERVICES agency to remove this charge-off/collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts are coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are removed from my credit report. Sometime between XX/XX/XXXX and XXXX, 2020, I received XXXX collection letters dated XX/XX/2020 ( same date on both ), trying to collect on the same alleged account with LVNV FUNDING LLC, the name of the XXXX collections are RESURGENT, CAPITAL SERVICES and XXXX XXXX XXXX XXXX, XXXX, the account that they are trying to collect on is part an issue with Identity Theft. By the way, can XXXX parties collect on an account at the very same time? ... Well, I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have 2 separate XXXX loans both subsidized and serviced through Navient. When I log into my account and look at details of these loans they both state that interest rates are 6.55 % yet it states interest rates are set by Congress and per the CARES act federal loans are 0 %. They claim the reason I am being charged interest is because they do not fall under CARES, however, why does it say the interest is set by Congress and does congress not have rates set to 0 % until XXXX this year? They have not been able to answer these questions. These 2 loans are close to being paid but with the interest I will still be paying until at least XX/XX/2022. I believe they owe me interest on these loans which would help decrease my balance. The way they do their loans in general makes it impossible for people to pay. I have loans where I am paying twice the original amount and they will not work with me at all. I just discovered too late that I could've refinanced those loans into a direct loan to qualify for loan forgiveness as I am a public service worker, yet they never let me know this was an option or that I would not qualify unless I refinanced. I've been making payments under the assumption this would all count towards forgiveness and feel misled and that they are being fraudulent. They do not even make monthly statements readily accessible electronically or through mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I had applied for a loan modification because I had fallen behind on my mortgage. I had contacted my mortgage company PHH and told then that I've fallen behind on my payments due to an injury that I sustained and needed XXXX. This process dragged on for several months until I was told that my case has been closed. 

I had reapplied for the modification once again and the process is still pain staking. I've been asked to send in the same documents over and over again. The frustration has gotten even more once I've found out that one of the mortgage rep. lied to me and told me that I, had a completed modification package. This phone call had taken placed on XX/XX/XXXX at XXXX XXXX and lasted 27 minutes. The rep. told me several times " I am looking at your package and it's stamp complete so you have nothing to worry about. '' It wasn't until I've called back several days later to get an update that I was told that I did not have a completed package. If I would have known that I didn't have a complete package I would've made a payment. Now several days later I'm 90 days past due. To make matters worst It was confirmed on XX/XX/XXXX that I had a complete package. Today ( XX/XX/XXXX ) I've called again to check my status and was told that it's still under review and that can take up to 30 days. I was told that I would need to pay 90 days of payment now. I've asked the rep. that if my account is under review could I wait until the review is over. I was told I can depending if my house is not in foreclosure. It's my understanding that if the mortgage company have a complete modification package and the modification is under review, then the can not foreclose. 

" No foreclosure can be instituted until 120 days have passed from the first delinquency. More importantly, if a complete loan modification application has been submitted to the the servicer by the 120 day point, no foreclosure can be begun. Reg. X 1024.41 " Can someone help it's been a nightmare dealing with this company. They quote is " We're here to help home owner '' I can not see that

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSWORLD SYSTEMS INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in response to CF PB Claim Number   XXXX .     In the original CFPB claim  XXXX , I stated I did not owe any debt and that I wanted to contest. I said I had aske  d Transworld for an itemized invoice but they did not provide one.
It seems Transworld responded by sending another invoice that IS NOT itemized. I will not pay an invoice that is not itemized, especially if I have never done business with Transworld or the debt they are allegedly trying to collect in the place of    XXXX . I have not used  XXXX  in recent memory.

Company response to consumer: Closed with explanation