BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: AFNI INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collection company AFNI put a debt that has been disputed with several companies and removed several times with other companies. After being tired of trying to rectify the situation through disputes I contacted AFNI on XX/XX/2020 and reached a settlement and was told if I paid the settlement the debt would be paid and removed. I was advised this would be updated the following Sunday on XX/XX/2020. As of today, XX/XX/2020 ; the collection still shows open, as if I still owe it on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeated phone calls from varies phone numbers a few times a day. No message is left, I block the calls as Spam, and another number starts. I answered one number and he argued with me to act like I called him and he was a doctor. He did it only to see if my number was a working number. It harassment and it feels like one of those sneaky collection companies using illegal tactics. The last call was today XX/XX/18, from varies phone numbers but the company is called Diversified Consultants when I called from another number to see who was repeatedly calling my phone. 
The numbers that called are : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
Company: VANDYK MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The loan officer XXXX XXXX NJMLS # XXXX for VanDky mortgage company was disclosing my personal financial information through phone communication with my realtor XXXX XXXX, from XXXX XXXX XXXX XXXX NJ. The information that was shared was about my income, bank account withdrawals, and child support that I receive for my child. I have recorded evidence of this exchange. As the realtor recycled back to me the exact identical information that I only disclosed with my loan officer in order to apply for a home loan. I have both complaints with mortgage company and XXXX XXXX XXXX. However, my privacy have been violated and I was taken advantage of because I am a first home buyer. I am in need of assistance in order to officially report this and seek help. Please may someone get to me in this matter. My number is XXXX. In addition, the loan officer left stranded with my lawyer and seller with no information on whether I was approved for the loan or not. This was after in retaliation to reporting to the mortgage company what was going on. I have recording evidence and can send that you email. Please can someone contact me. I appreciate it. 

Thank you XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I ran an ad in XXXX to sell a restaurant table. I received a request from a person named XXXX via text, ph # XXXX. He said he would pay me {$400.00} for table, XXXX to go to a shipper. Yesterday I received a XXXX with a cashiers check from XXXX XXXX XXXX. I deposited the check into my checking account at Chase bank in XXXX CA at the XXXX XXXX and asked the teller if there was a hold on the check or if there was anything wrong with the check. She stated there was no hold and everything was fine. The sale was then cancelled and I deposited {$1500.00} into the shippers account : Chase bank, XXXX XXXX acct # : XXXX, checking and then was asked to XXXX XXXX the remaining {$300.00} to a XXXX XXXX from XXXX AZ, ph # XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX AZ. 



When I went to check my statement this morning I learned the Cashiers Check was on hold and after calling the bank they said the check was being returned to the bank and would not payout the funds which means I lost {$1800.00}. My chief complaint is that when I asked the teller if the check was good she said it was, she never mentioned the slightest possibility that there would be a hold on it. If I was told that I never would have gone through with the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, nor did I authorize these companies to pull my credit. There are names on my credit profile in which I do not recognize.

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 2020-10-10
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I mailed a request for validation of debt from debt collector. 
On XX/XX/2020 I received a letter from debt collector, Cavalry, dated XX/XX/2020 acknowledging receipt of a letter of dispute and for me to provide them, the debt collector, with specific information and explanation of the dispute. However, my original letter mailed on XX/XX/2020, to the debt collector was a request for validation of the debt under the FDCPA asking for information of debt they claim I owe. According to Section 809 of the Fair Debt Collection Practices Act I have the right to request a collection agency to validate the debt they are trying to collect. Cavalry needs to mail me such verification of the debt or a copy of a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 purchased a car from XXXX XXXX on XX/XX/2017. I asked to finance through the dealer 's bank 's. They gave me the names of three lenders and rates. I chose XXXX XXXX XXXX and was subsequently approved and currently have a loan through them. My credit reports shows 6 ( six ) hard inquiries that day and they are all associated with an auto finance purchase. This high number of inquires is negatively impacting my credit score. After doing some research, I found out that dealers will search out lenders who will give them " deals '' on customer financing involving kickbacks or rebates for bringing them borrowers. Now I understand why they went to 6 lenders when we only spoke of 3 and I chose the one which I wanted at the outset - it was so they could offer me as a borrower to their partners to see what type of deal they could get back for me. Meanwhile the 6 credit inquires on my report damage my credit history. I have all my paperwork and do not have any item/paper with my signature that authorized them to contact so many prospective lenders.

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 2018-12-06
Company: HYUNDAI CAPITAL AMERICA
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:
I have an Id theft issue and someone stole my information and have used them. 
I have an unauthorized hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: CITIBANK, N.A.
State: MA
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: Problem with personal statement of dispute

Complaint:
I've been trying to fix my credit for the last couple of years I think I've been doing a good job about it now this suggestions that I get from XXXX XXXX is try to get loans every time I tried I don't succeed I also tries to apply for a credit card with low interest and to merge all my credit cards and pay a lower payment a month.and still get denied. Now I get punished for the next 2 years because that was considered a hard inquiry. My XXXX XXXX was XXXX when I started repairing it and now it's XXXX but everytime i try to do good you keep dragging me down. Likes it's impossible to get a head. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Experian Information Solutions 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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an inquiry had been made on XX/XX/XXXX I contacted XXXX/XXXX  and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I need this account to be reviewed and removed. I give permission for my insistent phone calls to customer service to be heard. The first call should be reviewed and it is 1 day after having acquired the credit I made a call to make the return and it was not accepted. The rest of the days it was USELESS to achieve communication with this company since they DIDN'T PROVIDE ME CUSTOMER SERVICE, they blocked my calls, they can verify it and their service was NEVER FUNCTIONAL, I don't have to pay!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Best Buy Visa Card. Never intended to get it at first because I have other credit cards. One time at a Best Buy store one of their sales agents was able to trick me into getting one after he said that there would be ZERO interest for 2 years and IF EVER I WILL STILL OWE THEM SOMETHING BY THE END OF 2 YEARS THE INTEREST TO BE CHARGED WOULD BE BASED ON THE END BALANCE ( caps for emphasis ). I have been paying, religiously, regularly and on time at least the minimum since the start. Payments were thru autopay. The promo period ended last XX/XX/2018. By Statement Closing Date XX/XX/2018 my balance was only {$650.00}. I knew interest would be charged by the next closing date but -- with all honesty -- was not expecting that it would be unconscionable. Since everything was on autopay, I did not bother to check said account. That is why I almost fainted when I saw today that I was actually charged {$820.00} supposedly as interest. All along I was assuming that my balance to date would only be around {$100.00} since I paid larger amounts after XX/XX/XXXX. Obviously, the guy who offered me the credit card at the beginning either did not know what he was talking about or deliberately misled me. I called Best Buy Customer Service but was transferred to a CitiBank Call Center agent by the name of XXXX who was not only unhelpful. She was INCOMPETENT AND RUDE. The call was placed just tonight at around XXXX XXXX Time. She could not even give me a detailed calculation as to how on earth the {$820.00} was arrived at. So I tried calling back the Best Buy Customer Service Hotline and made it clear at the start that I did not want to be transferred to a CitiBank Call Center Agent but still it seemed like they could not hear my pleas. Having hit a dead end, I am now hoping that CFPB could help me because I could not pay such unjust balance. I am willing to pay since I am aware that I have to settle my debts but only the fair balance. I now feel like Best Buy and CitiBank conspired to deceive me. I am now seriously considering filing Chapter XXXX Bankruptcy.

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 2018-02-11
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I took out a reverse mortgage in XX/XX/XXXX. It was initially serviced by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, MI XXXX. The servicing was later transferred to OCWEN, XXXX XXXX XXXX, XXXX, MI XXXX. ( The identical address leads me to suspect it is the same company with a different name. ) I believe this company is overcharging for the Mortgage Insurance Premium ( MIP ) required for reverse mortgages by nearly 300 % when one takes into account their interest rate and their methodology for calculating payments. 
In reviewing my annual statement, OCWEN is charging the Mortgage Insurance Premium ( MIP ) at 1.25000 % annual rate or 0.00342 % daily periodic rate, or 0.10417 % monthly periodic rate. Looking back at previous annual statements, ( see attached ) Liberty/OCWEN charged this rate every year on a monthly or daily basis instead of an annual basis thus further compounding the interest owed. According to Hud.Gov website regarding Reverse Mortgages ( HECMs ), under their heading HECM Costs, it states, " You will be charged an initial Mortgage Insurance Premium ( MIP ) at closing. The initial MIP will be 2 %. Over the life of the loan, you will be charged an annual MIP that equals 0.5 % of the outstanding mortgage Balance. '' Therefore, since XX/XX/XXXX, I have been overcharged at the rate of 1.25 % for MIP instead of HUD 's maximum rate of .5 %, and by assessing this charge monthly or daily, instead of annually as per HUD rules, it has grown exponentially larger than it should have. Speaking directly to the company has not been helpful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio recovery has bought a debt from XXXX XXXX XXXX, in which the original creditor was XXXX XXXX. I paid the balance to XXXX XXXX XXXX. I currently have an open and good standing account with XXXX  XXXX that was opened in XX/XX/2018. Portfolio recovery is trying to collect on a debt in which I already paid. I have tried to dispute this with the credit bureaus and has had no success. Portfolio recovery has harassed me by calling my cell phone constantly and sending me mail!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX I obtained a copy of my TransUnion report and found an item that was not mine. A debt was being reported as : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , NV XXXX ( this is cut and pasted from the XX/XX/XXXX TransUnion Report ) I  wrote to this collection agency several times asking for verification of the debt and several times the letter was returned as an incorrect address. The Post Office ultimately informed me the address did not even exist when I tried to send a certified letter. This process cost me several months of bad information being reported. 

I both phoned and wrote a letter to TransUnion informing the company that it was required by law to provide correct contact information in its reports. TU continued to report the debt and I was never able to contact the creditor. This entry has now remained in my report for two and one half years. 

On XX/XX/XXXX I again obtained a copy of my TransUnion credit report. It is still reporting the address of the collection agency as follows : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, NV XXXX ( This is cut and pasted from the XX/XX/XXXX TransUnion Report ) TransUnion has done nothing to correct this issue. It does have an obligtion to either report the correct address of it's clients purusant to the FCRA. This has not only affected me, but presumably every other person who has tried to contact this collection agent by mail. TransUnion has been extremely negligent in this regard. 

I do not expect much from TransUnion except a stock response " contact the collection agent '', etc. However, I do intend on using this complaint to the CFPB as well as the expected stock response to this instant complaint to form the basis for a lawsuit against TransUnion. So, go ahead, TransUnion ... igonre this for the third time over the course of YEARS with a stock response which, once again, does nothing to address the issue.

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 2021-04-13
Company: Norwich Commercial Group, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX # XXXX Was the loan officer for my clients who are an older couple. XXXX XXXX failed to provide any documentation, loan rates, or any guidance. My clients consistently requested XXXX for communication. 

We only found out one week before the closing that XXXX told my clients that the appraisal didnt happen. When my clients and I tried to ask for explanation and dates he never responded. 

When he finally responded the day before the closing it was to say that the appraiser was going to reschedule next Wednesday. 

One of my clients who had a XXXX 3 years ago shut down and slept for 3 days because they had movers coming and they had canceled their lease at penalty since XXXX never communicated that there was any issues with the loan even when we asked for status updates he NEVER responded. 

When we told XXXX we were moving on from to another lender because that was the condition that the sellers requested to keep the deal alive XXXX called to threaten my clients saying that they will never find another appraisal and they will never close. My clients were so anxious they called me crying. 

When I told him that he can not contact my clients again he mouthed off. 

If something happens and if my clients lose out on the house and if something happens to them I will be suing XXXX and XXXX. He has not only been negligent but now abusive. It is not enough that hes incompetent and irresponsible he is threatening my elderly and sick clients. He should lose his license and I will provide the documents and testimony of my clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
As of the end of 2022, I've written two letters to headquarters. 
The letters requested an inquiry as to why my account was being charged cash advance interest, when there have been no cash advances in the account for the last 4 years. 
I have yet to receive a response nor has the erroneous interest charges ceased. 
Spoke a representative from the company and was advised that these erroneous charges occurred because vendors sometimes post purchases as cash advances, thus resulting in fraudulent cash advance interest charges. If the company is aware of this, why don't they correct it.

Company response to consumer: Closed with explanation