BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-06
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX UniversityXXXX XXXXI was a University student that began my education XX/XX/XXXX. After taking a break XX/XX/XXXX because of work, I restarted XX/XX/XXXX and was told I had to get a XXXX loan to get started again. NEVER was I told that I was going to have to make payments while in school. NEVER was I told that the interest rate was going to be 8 %. They say I did n't qualify for funding but yet I did before and I did afterwards so it was very strange to me that I had to get a higher interest rate loan from a 3rd party. XXXX was the only option that was given to me at the time. I have been paying on this loan for 3 years and have missed only XXXX payment which was the XXXX payment because I did n't know that I had to start paying on it while in school. It has been a struggle for me to pay for my federal loans and my private XXXX loan at the same time. My loan was then sold to UAS XX/XX/XXXX this year. I do n't feel the practices that XXXX performed were in my best interest financially but what choice did I have. My loan was for roughly XXXX. This loan was necessary for me to complete the program that I was involved in so doing it was necessary and they knew that. If I did n't take out the loan, than I had school loans for roughly XXXX with nothing to show for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made arrangement with a XXXX over the phone a few weeks ago to start the process of paying back a debt we owe on a past credit card. I agreed to a {$31.00} payment to start on a monthly good faith payment of {$50.00} once a month. Then he asked for an additional {$300.00} and wanted my bank account number and routing number, I told him no, I do n't give that out over the phone or internet. He understood, and then I told him to call me the following week for me to see if we could pay that {$300.00} due to the holidays. They went ahead and took out that {$300.00} with out my authorization. I called them back right away and talked with a XXXX and he stated that they needed 7 working days for that to be put back into my account. This was on XX/XX/2016, we still have not received that money as of today XX/XX/2016. I even asked to hear the recorded conversation from my first agreement with XXXX just to make sure that I stated no on the {$300.00} and they could not and did not produce that recording for me to hear. I was told by XXXX I was being recorded. I currently have XXXX bank doing a Fraud investigation in this matter but wanted to file this too just in case we have to sue Midland Credit for poor business practice and fraud. This action put my wife and I in a bind for the holidays and our bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I started a review for a modification with Caliber on XXXX/XXXX/2015. I was still in review for the modification on XXXX/XXXX/2015 with all documents that had been requested submitted to them and nothing additional was needed. My authorized XXXX party was informed by an agent at Caliber named XXXX XXXX, that my file was declined with the reason of an upcoming sale date in less than 15 days! They did not allow for a complete review and just closed by review simply because they wanted to foreclosure. This is not a valid reason for denial of a modification review that started in XXXX! Not only that but the representative XXXX stated on a recorded line to my XXXX party that they have pulled that " the client can not do anything at this point besides reinstate the loan and no one can help them. '' Then when he was reminded that this was a recorded line he hung up. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Midland Management sued me after the statue of limitations had run out on a credit card account that was time-barred. The card still appears as an open account on my credit report which I recently ordered. Midland Credit Management XXXX claimed that they bought the credit card account from XXXX and that makes the card a personal account now, and thus, it is no longer an open account. I have never seen anywhere in all the research that I have done that an open account becomes a personal account after it is sold. In XXXX, the statue of limitations is three years on an open account and fifteen years on a personal account. If they can claim this as their defense then how is the statue of limitations protecting consumers if rules/laws can be changed to benefit these companies that buy these accounts on XXXX cents to the dollar and then add other charges? I would be interested in knowing if this is true in other states or only in XXXX? This is hurting many working families in XXXX and I feel that it is causing more damage than the XXXX debt we are facing because these are individual families. Removing the statues of limitations as a defense against these giant corporation leaves the consumer at the mercy of these heartless and immoral company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
1- They do NOT respond back within the 30 days deadline nor at any time. 2-They keep posting that I have made payments on the accounts when the accounts have been closed for years. 3-Especailly MIDLAND FUNDING. They have refused to accept a Certified Letter from the Court that notifies them that they are being sued for violating the XXXX 1692XXXX of the FDCPA. An employee looking at their computer screen, seeing my name listed in their database is NOT VERTICATION of any alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last week I received a suspicious letter from Ocwen Loan Servicing indicating they have " been made aware that you have retained an attorney as counsel '' and that " As a result, all future correspondence that is meant for you will be directed to the attorney ''. 

See document below. 

The reason this letter is so suspicious is that it is completely at odds with the facts : a ) I have never asked any attorney to represent me for any dealings with Ocwen at any time ; b ) I have never missed or been late on a single mortgage payment to Ocwen Loan Servicing in the 4+ years they 've held my mortgage. I am gainfully employed in XXXX ( I 'm a XXXX ) with a XXXX-figure salary, and have no reason to believe I will ever have challenges paying my mortgage. My mortgage is in perfectly good standing, and has always been. 

c ) Prior to this letter today, I had never received nor sent any correspondence of a remotely legal nature from/to Ocwen. 

Given the well-documented history of Ocwen and legal actions taken by states against Ocwen for their improper home foreclosures ( legal actions which XXXX XXXX is working to enforce ), my first presumption was that Ocwen is trying to position themselves to do something improper on my mortgage -- like claim a failure on my part to respond to issues they will trump up and document in the future. 

Can you please advise me on what I can / should do to deal with Ocwen? 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: ENCORE CAPITAL GROUP 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:
Midland funding continues to make false claims about a debt that does not belong to me. I placed a fraud alert recently on my credit report because Midland Funding placed a debt on my credit Report that 's not mine. I also recently tried to access funds from my credit union and Midland Funding falsely sent paper work claiming that a court order a freeze to my account and I am not able to access my funds but all my other accounts are not frozen. I truly believe this is illegal and should have never happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I called in to customer service to report XXXX fraudulent transaction on the exact same day. I was told by the representative to wait until the transaction post because the merchant place a hold on the funds. After waiting the 2 days I called in to report that I had been charged for XXXX transaction that I did n't authorize and was told to complete a dispute regarding both transaction in question. I completed the dispute and followed up many times to check the status of the claim. I was told several times that that merchant has not responded and it may take up to 45 days. However I asked the representative why every time I call in the fraud department they would transfer me to customer service and she stated because they filed the claim and not the fraud department. After the dispute was over I received an email that the merchant provided information to support that the transaction was valid and I would not receive my funds. I was told by the representative that the agent that took the claim filed it as a billing error and not a fraud claim. The representative stated that she would email the dispute team to have them to re-open the claim. I called back to follow up and was told that they had decline to open the claim and I would not receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: ENCORE CAPITAL GROUP INC.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have made pervious attempts to have the agency validate this " debt '', each time I get a response from them it is the topic of repayment of this invalidated debt. The last letter said they will stop contact with me but still continue to report this invalidated debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loans are serviced by Navient. Over the last two decades, XXXX XXXX and Navient have failed to properly credit my account, have failed to place my loans in deferment and/or forbearance status. I am currently supposed to be in an interest only plan, which was explained to me that I would pay interest only until the age of XXXX ( I am currently XXXX ) and then the balance would be forgiven. ( I would pay tax on the forgiven amount ). My student loans exceed {$150000.00} because of the interest that has been improperly capitalized over the years, because payments have not been properly applied, etc. Now, they are telling me I am not in the interest only plan and that I am in another plan, paying nearly {$900.00} per month. This is not what I agreed to. I should be paying {$600.00} per month, as I had for over 5 years. Now they are saying I owe all kinds of back payments, etc. I have repeatedly disputed their claims. I have been unable to get a mortgage because of the false claims from the student loans company. I have XXXX kids to support.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Several years ago I had taken out a credit card through XXXX ( XXXX ). I fell on hard financial times and was unable to pay off the debt. I made payments of {$50.00} when I could but was still not enough and they sent it to collections. After XXXX other companies had the debt ( which I did not know about ) midland credit management picked up the debt. I 've attempted to work with them for the past month and have continuously spoke to a woman named XXXX. After realizing she was unwilling to help or answer any questions I had I requested to speak with her supervisor. A woman named XXXX ( who I believe is still XXXX/same voice ) begins telling me that they can no longer work with me because I have failed to make any attempt to solve the debt which is not true. I explained everything to her and nothing was said other than I can solve this debt today or I will be sued over this. They are rude and have tried bullying me for the last month. What do I do? 
I 've done some research on MCM and they are currently in a lawsuit for similar situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: BlueChip Financial
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
The lender, or the lender 's collection, keeps calling my sister 's phone number, despite my request for them to stop. My sister has noting at all to do with the loan. She was never listed on any of the documents or anything else to do with the loan.

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 2016-01-31
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I just got out of the XXXX XXXX after 6 years of service, i have medical XXXX including combat XXXX. I went to bill XXXX in XXXX for a vehicle and i wanted the XXXX it was a bit high priced but they said it would be paid off in 3-4 years not i got this auto load i pay XXXX a month at about 19 % interest. I have paid over XXXX dollars and it shows on my account i only paid about XXXX k from my original loan amount.I am using my XXXX pay for this vehicle i was under the impression i would be paying for another YEAR OR TWO AND BE DONE. but now my contract is almost 7-8 years long and the new XXXX are cheaper than what mine is. I desperatly need help i am a divorced father or XXXX kids and not my first experience buying a vehicle from a dealer i get completely taken advantage of. I feel insulted to know i have done everything for my country to see XXXX person ruin my entire life because of a car. my original amount is almost XXXX i paid over XXXX k and it only shows the principal amount to be XXXX i pay to own. at this rate i will pay XXXX for this vehicle. I thank you for reading and XXXX i hope you can help me please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank, Metro Bank, was purchased by First National Bank. From the very first day we were unable to get into our account online and were not given any help from the branch. 
They have continuously charge fees and manipulated dates of both deposits and transaction. 
There treatment of the public is nothing short of disgraceful and underhanded practices.

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 2015-09-22
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
BOTH COLLECTION AGENCIES FAILED TO VALIDATE DEBT, IN VIPLATION OF SOL, FCRA, FDCPA, TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Critical Resolution Mediation LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company number appears on my phn for at least 100 times in the last 1 and 1/2 years. will not stop calling even after I have threatnd them with litigation. The number is traced back to XXXX california. Contacted XXXX and they say they do not have me in there data base but a day later the same number comes up XXXX. When you call this number back they answere as critical solutions.

Company response to consumer: Closed
Consumer complaint received 2015-11-15
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt collector continuous send out late, time sensitive documents that look like junk mail, unsolicited adverting and some of this mail to my current address had no return address. I am not sure the how they sent the alleged collect documents in the pass however I was not notified of this debt till years after the court proceedings against me. This company levied my student financial aid. Although the company no that the levied fund are exempt they refuse to return them. This company forced my student college fund closed at XXXX Bank. Their caused me to fail classed and force me to drop out of school. This company has extorted money from my college fund that was from a inmate trust account check that did not belong to me. this company financial bulling has cause me to fall XXXX. I also am still considered a student however I can not return to school with this company beating me up financial where I can afford food, books, tuition and the necessaries a student would need to do well. I believe that I do not owe this debt because there was activity on the card on a date I was in another state where my purse was snatched off my arm and i had to have new car keys made, purchase cell phone. I also stayed at the hotel because it happen on the property the manage comp me a room and I used cash to stay a few more nights to help look for the assailant. I work with XXXX would have record of that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I filed a complaint on XXXX/XXXX/14 with the Florida State Attorney General 's Office about Hyundai Motor Finance calling me repeatedly at work, even though I had asked them not to in writing, because I am not allowed to get personal calls at work. They said they would stop doing so, so I let it go. Today, they called me at work again. They know they are not to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: BANK OF THE WEST
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have XXXX accounts with Bank of the West and I had a {$1600.00} hotel bill go through my checking account and posted online as XXXX XXXX on XXXX XXXX when it was no where to be seen on the XXXX. They are back to the old habits from the class action suit of taken the highest amount and moving it around to hit your account with the most fees. It should be just one fee for the {$1600.00} bill since I did n't transfer funds from one account to this one in time, but they shifted it to make everything else fail and left others pending to hit the following day. They would not have cashed a check and given me {$220.00} at the ATM on the XXXX if that bill had gone through on the date they claimed and I had a negative balance. The {$1600.00} bill just went through on the XXXX and the changed dates around on my online account for several items to make a killing in overdraft fees. I have been monitoring my account. Items that should have cleared days ago were then sitting pending so they can sock me again the following day. It 's class action stuff all over again. 
When I tried to transfer funds from another Bank of the West account during the night to make sure I had enough in my main account so they would n't hit more overdraft fees, they stopped the transfer from happening for 6.5 hours when it has always been instantaneous since they offered online banking. Amazingly they hit me for another {$140.00} in fees and then allowed the transfer to take place. After complaining about {$280.00} in fees in 2 days that put the account negative again, they refunded {$35.00} and before I could deposit or transfer more, they took the {$35.00} back again for the day. {$310.00} for one transaction that occurred after all the others until they started juggling the dates and putting the largest one before older ones to maximize their profit. 
If XXXX the accounts of people who have been with them for nearly 20 years is how they do business, they should be ashamed. I did a transfer this morning, XXXX XXXX, online before business hours and it happened immediately. Guess that 's because I already had a positive balance so their computer 's did n't automatically hold it up to get more fees like the day before. Their computer algorithms should be inspected by the government for the rigged game their bank plays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-01
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Regions bank applied un-warranted overdraft charges to my checking account. The balance never went below - {$2.00}. I reviewed my balance daily, balance never went below stated amounts. The bank states items caused {$72.00} in overdraft charges, but never di account from my view show the negative amount they are claiming. I suspect they are intentionally hiding transactions from customers in the name of higher bank profits, I believe it could be termed " Rob-N-the-Hood ''. When questioned why I was never priviledged to see said transactions, they stated in an email on their web site that it was complicated. Consumer rights should always be able to see all transactions presented to bank, not hidden. So since the bank sees this as an incredible profit opportunity, I elect to have refunded to me an amount for comparable amounts, my revenue vs their revenue would be fair. Say {$10000000.00}, no less. This should and most likely is disceptive, illegal, immoral practice on the part of the bank and they need to be punished as such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation