BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2015 at XXXX EDT, I made a Moneygram transfer transaction at the Walmart location at XXXX XXXX XXXX XXXX, XXXX, reference code XXXX, in the sum of {$2000.00} with a fee of {$40.00}, to be delivered to a ex-officer friend in XXXX. Unfortunately, when the XXXX went to collect the money, he was told the money had already been received. I made a formal complaint to Moneygram on XXXX XXXX and i was told it would take upto 90 days for an investigation to be conducted. The complaint number is XXXX. Since then, I have tried several times to check on the status of the investigation, and each time i was either put on hold for several minutes and then disconnected, or told to wait for an email response.On XX/XX/2015, i got a voice message from a XXXX at XXXX XXXX stating that the investigation was still in progress and that they would send me email about the status within 2 weeks. More than 2 weeks went by but i did not receive any email. I followed up with XXXX but got no response and left several messages. I made several other attempts and finally somebody told me that the case was closed and that they had evidence that my friend collected the money. i asked for the documentation proof of the money collection transaction receipt to be mailed to me, but i never received them. In particular, i wanted to know where in XXXX the amount was disbursed, the name of the issuing agent, the receipt of the transaction showing the signature of the person who collected the money, and the form of ID used. I called again and again, many times running into dropped calls, and finally a person I talked to told me that i could only sue them ( Moneygram ) in order to get the information. i sent a final email and a hard copy mail to Moneygram XX/XX/XXXX and I was completely ignored. Moneygram fails to admit the fact that there have fraudsters working for them. There are many of such stories as mine. For several years, I have made several money transfers to this family friend of mine and i trust him well to know that he will never defraud me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection notice from AFNI , Inc. alleging I owe XXXX. I do not and have never had a debt with XXXX and the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i keep getting bad debt relief info from my mortgage servicer ... .they are accusing me of having filed bankruptcy ... ... in 2012 this home was in my name and and another persons name ... he filed bk and did a quit claim deed and i did a harp loan ... my payments have always been current and it is mortgaged and deeded in my name only since 2012 ... ocwen loan servicing calls and sends me refinance option packets saying ive gone bk and threatening foreclosure..numerous calls and letters havent stopped it ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I have the AMEX XXXX XXXX a high end consumer card which costs {$550.00} a year. I needed emergency cash as my funds and travel documents were stolen in XXXX. I went to numerous ATMs in XXXX that AMEX said worked per their find an ATM locator. None of them worked. I called AMEX to do an emergency cash transfer/wire/XXXX XXXX  After approx 1 hour on the phone it was set up. I went to the XXXX XXXX location and they were unable to process the transfer. I called up amex XXXX XXXX to complain. They advised to go to another location. So I wasted several hours going to the first one. I then went to another location and was advised they could not do it either. The reason was because amex XXXX XXXX  had send the wire to the wrong name. So I called and emailed XXXX XXXX to complain and ask them to correct. More time wasted -- now we are at several more hours after the calls, transport time, etc. They sent to the right name this time but provided the wrong wire retrieval number at the teller. More time wasted. Right number was then provided. I finally received the funds and had to pay a western union conversion fee in excess of what I would have paid had the atm worked with my platinum card. I called and emailed " XXXX XXXX XXXX' to complain and ask for compensation for lost time/expenses. Was told they could do nothing and needed to call " customer service. '' I called customer service a week ago and was offered an insulting XXXX dollars or XXXX points. New issue as well is that I was charged for two " emergency wires '' when I only retrieved one. It is very concerning I would be billed for two. I filed a complaint on the phone with AMEX regarding all and did not Hear back and it has been a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Regions Bank is unlawfully reporting an account on my credit report. I was unlawfully " opted in '' for paying overdrafts when I never consented. I received overdraft fees and they charged me fees on a deposit advance product they had, when they said they would n't.

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 2016-11-23
Company: AFNI INC.
State: IL
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 did not sign any contract with the XXXX and when I cancelled my service they asked me to pay the penalty for breaching the contract which I never sign so the ... .I am willing to pay the dept if they have any proof that I owe them this money ... .thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted by Mountain Land Collections and the offices of XXXX XXXX XXXX multiple times in the past regarding a medical debt that is not mine. The first time they sent me information regarding the debt I properly addressed a dispute letter to them asking them to validate the debt. I never heard from them. They did not send me validation of the debt but they did add the debt to my credit report. I have recently drafted letters to each of the credit bureaus, an example of XXXX which is attached, making them aware the debt is not valid and to remove it from my report. Most recently, this company, along with filed a judgment against me for the debt and served me at my home.I did as instructed and responded to the suit with a defendant answer denying the suit because they did not validate the debt. After this, XXXX XXXX XXXX 's office contacted me to set up a payment plan. I informed them that I was not refusing to pay the debt, simply requesting validation of the debt. They have still not provided me with this and they have unlawfully charged my credit card for {$100.00} for the first payment in their plan that I did not consent to. I am disputing the credit card charge with my credit union and a copy of that is also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone stole my Identity in 2014. I filed a police report. Many creditors took action to fix the situations that arose. But XXXX collector is pursuing me for a supposed apartment rental I did NOT rent in ANOTHER STATE, EVEN AFTER I SENT THEM THE STANDARD LETTER FROM THE FTC as the FTC advises. 

The dead give-away is that they always have my name wrong, as is the case with this collector ( Fair Collections & Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX XXXX www.fco.com ). 

They keep telling me I need to complete their form which asks for a litany of my personal information that THEY ARE NOT PRIVILEGED TO. 

I even included a copy of my police report with the standard FTC letter. THEY REPORTED ME TO THE CREDIT BUREAUS!!! 

How is this allowed when they do NOT even have my name correct and I 've provided proof of identity theft?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX in the circuit court of the XXXX XXXX XXXX in and for XXXX XXXX, Florida Civil Division Div. XXXX Case No : XXXX I XXXX XXXX the defendant received a Notice of Voluntary Dismissal and Release of Lis Pendents from XXXX Mortgage Services. During the trial, a representative of Caliber Home Loans testified and the Court entered a judgement without prejudice against them. Since that time, Caliber Home Loans XXXX XXXX, Ok XXXX has continued to report negative reports XXXX. In addition they continue to harass me and lie on me. As recently as XX/XX/XXXX XXXX, Foreclosure Specialist contacted my Attorney XXXX XXXX XXXX. inquiring whether or not he still represents me and said " that I expressed to them that I would voluntarily surrender the house via signed documentation. '' Why would I voluntarily surrender my home. That is a lie from the pit of hell and I wish your organization would look into their unscrupulous business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sirs : I have spent the last 6 yrs. trying to give XXXX XXXX XXXX and now Portfolio Recovery 20 % of my debt to satisfy it as I did with a {$30000.00} debt with XXXX a few years ago. The time for collection is over. It has been over 6 yrs.since my last payment as I indicated in my first sentence. This debt should be NOT reported any longer on my credit history. This debt is continuing to be reported on my credit history for a longer period than the law allows. 
I want this debt removed from my credit history by. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the bill in the store in XXXX XXXX, I can not find the receipt proving that I paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the fair credit reporting act ( hereafter referred to a FCRA section 609 ( a ) ( I ) ( a ), company is required to verify debt in the original signed consumer contract - any and all account you post to credit report. Otherwise anyone paying for reporting services could fax, mail or email in a fraudulent account. Therefor I am demanding to see original consumer contract with signature you have on file to the account listed. Under FCRA unverified accounts must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a few past debts. I paid them with the settlement agreement. It was wired from my bank to theirs. They are refusing to give me a paid in full receipt. Stating they have to put a hold on it for up to ten days. I have a family of XXXX. I just gave them almost {$1700.00} to pay them in full. I need this receipt because we 're poor that exhausted most of our funds. We 're trying to get a house loan, they need the paid in full receipt to add to our case, the debt collector is refusing to send me anything. I 've called a few different times requesting this since Wednesday XX/XX/XXXX2016, when the funds came out of my account. They 've been rude, said they 'd send me a letter to respond to so they could send me a transaction notice, but I have n't received that either. I need this receipt now. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I got a call form portfolio recovery associates stating that i owe a debt from XXXX XXXX from XXXX that i have no knowledge of. I was sent a identity theft affidavit to fill out requesting a lot of personnel info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS DISPUTE WAS PAID TO THE ORIGNAL ACCOUNT HOLDERGE XXXX {$350.00}. THE ISSUE WITH THIS IS NEITHER PORTFOLIO RECOVERY NOR XXXX XXXX WILL RESPOND. I EVEN SENT AND FAXED A COPY FROM MY BANKTHAT IT CLEARED TO PORTFOLIO RECOVERY THIS ACCOUNT IS PAIDED IN FULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC
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 was forced to move out of an apartment complex due to repeated issues of non compliance by the management and owner of the building - including but not limited to mold, unlawfully towing personal vehicles, and not abiding by their terms of the lease to provide an adequate place to live. I notified the owner in writing that I would not pay one month 's rent for the partial last month I resided there - due to them breaking the lease, and the need for me to obtain proper housing for my family. I did have a deposit on this unit, and did forfeit that deposit upon move out. A collection agency ( FAIR COLLECTIONS AND OUT XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ) has contacted me and is reporting against my credit for a balance due that I do not owe. I have contacted my local and state representatives for assistance, and filed a dispute to this collection agency, however to date they are still negatively and inaccurately reporting and collecting against me.

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 2015-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Other

Complaint:
Capitol One Credit Card Company refuses to honor my letter of credit to discharge the debt! Thus violating Public Law. The last supervisor that I spoke to in regards this matter was XXXX XXXX ID : XXXX in the Executive Resolution Department XXXX Pin : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: JAMES B. NUTTER & COMPANY
State: CO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid for homeowners insurance for my mom n laws home At XXXX XXXX XXXX, as I was notified that she did not have insurance on the property by XXXX XXXX. Our Insurance agent handling the insurance for the property faxed over the evidence of the insurance declaration, in which XXXX XXXX received and confirmed, yet they force placed insurance on her property, in which we were double billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/XXXX a Stipulation of settlement was ordered by the XXXX country court in the amount of {$14000.00} and {$7400.00} both amounts were paid in full and the premises was cleared as per the order on XXXX/XXXX/XXXX. I have spoken to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX numerous times. Conversations started on XXXX XXXX and ended with no resolution on XXXX XXXX despite me sending him all the papers and documents that he has requested. 

XXXX XXXX at FCO promised to contact XXXX XXXX to resolve this matter. On XXXX XXXX I spoke to XXXX XXXX and he informed me that they did not reach out to XXXX XXXX and the compliance officer at FCO determines if I owe money or not. On XXXX XXXX, XXXX XXXX XXXX stated that the compliance officer at FCO determined that I still owe the money despite the Stipulation of Settlement or any of the prove that was sent to him since XXXX XXXX. 

According to the law it states that if Stipulation of Settlement is signed by the judge and conditions were met and paid off in full XXXX XXXX or any other collection agency has no right to go back and charge extra charges or send to collection.

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 2017-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Portfolio Recovery Services keeps calling me with different phone numbers. I have no standing unpaid debts in the past 7 years so I do n't know why they keep doing this. There are all these different numbers in the past few weeks. Is this even legal? I understand they have bought information about me from somewhere. How can I get them to stop?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My car was repoed. Toyota finance says my balance was {$4300.00}. I paid {$5600.00} through my bankruptcy dispersed to Toyota. ( copies included ) I also paid 2 years at {$260.00} per month before my bankrutpcy. That 's {$6400.00}. For a total of {$12000.00}. When i called after the repo Toyota did n't know that {$5600.00} was collected through the bankruptcy. That money was never applied. When they realized it I was promised a phone call back, and they would work something our with me. I have been ignored. I want my {$12000.00} back. That is what I paid for my car. They took it. Sonow they owe me what I paid for the car. I have included copies from the bankruptcy trustee, and a balance from Toyota. they took the entire car with low miles on so I want all of my money. It 's not fair that i paid all that money and they keep all the interest and the principle. so whay is fair is all the money I paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I got charged a random XXXX XXXX fee from Chase for XXXX on the date of XX/XX/2023, However I never requested such a service but despite how many times i called them and wasted more than 2 hours on the phone and even called their executive office still nothing can be done

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX, contact number XXXX ( M ) or XXXX ( O ). 
I get an equity loan from Regions bank with an amount of {$110000.00}, funded on XXXX/XXXX/2016 ,@4.25 % rate for 15 years, monthly payment sets at {$850.00}. I determined to pay off in 5 years and signed agreement to pay {$2000.00} each month, effective in XX/XX/XXXX ( deduct is expected to be effective on XXXX/XXXX/2016 ). I opened checking account and funded with direct deposit to cover monthly auto deduct for paying my monthly dues. Payment kicks in from XX/XX/XXXX 2016, so I made extra payment of amount of {$1200.00} ( plus {$850.00} which suppose to be deducted for 15 years ) to become {$2000.00} for XX/XX/XXXX payment. 

Regions already set up auto deduct XX/XX/XXXX of {$2000.00} by mistake, this problem is already solved. Then I expect XX/XX/XXXX payment should be auto deducted. I have {$4100.00} in my checking account as of today. However, auto deduct did not become effective in XX/XX/XXXX. I made so many calls reporting this, but problem is not solved. Regions is so arrogant in handling this case by demanding me to start auto deduct in XX/XX/XXXX, I DO NOT agree. It is a trap. 

By delaying monthly payment will lead my to pay more interests, I already set funds aside for paying my dues ; and bank breaks the agreement first and refuse to correct it. This could be a practice leading customer to pay more interests by showing a " nice '' delay to good customers. 

CFPB should investigate such wrongdoing inside Regions bank. If I do n't stop them today, by delaying one month, I will end up paying much more of interests. I already spent so many times on this issue, I expect bank to have a solution or settlement with me. Here I report this to CFPB and like CFPB allows me to ask for pausing payment until an action is taken. Meanwhile, I will make monthly payment, not to let my account to become default.

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 monetary relief
Consumer complaint received 2016-02-23
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A fraudulent XXXX XXXX XXXX debt has been floating around in my name. I have confirmed with XXXX XXXX XXXX that not only they did not pass any debt to collection agencies, I have never had outstanding balance period. Now, this AFNI collection agency is trying to collect this fraudulent debt from me.

Company response to consumer: Closed with explanation