BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-06
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Ocwen did a refi with me in 2009 that was all to their benefit. After all was done their bate and switch refi put a significantly larger sum of money on the already under water loan and eventually pushed my interest rate up to 7.1 %. They have refused me for several years to do a regular refi at today 's current low interest rates and just recently I was called by a place called XXXX XXXX XXXX promising to help me reduce the loan balance and interest rate with my Ocwen loan. XXXX XXXX told me that Ocwen had been sued by the U.S. government XXXX ( I found this article online ) and they said that with their contacts they could help me. 

Well, yesterday I got Ocwen 's refi offer ( all XXXX something pages of it ) The refi does not guarantee to lock in the low interest rate on the loan over the entire remaining time of the loan. It also says that they will additionally receive XXXX % of any appreciation the home has over the next 20 years. And if that is not already outrageous enough they then sour the whole thing with a balloon mortgage after the 20 year mortgage is finished where they demand a final principle payment due in full upon the maturity of the loan no less than {$160000.00}, plus all accrued interest on that amount for the past 20 years ( no disclosure of what that rate is ), all advancements made by the mortgage company and a XXXX % inflationary and market appreciation in the value of the property yet again ... 

Now I 've already been struggling to pay on this ridiculous loan for the past ten years and I will not be swindled by them again, but I really wish there were some way to force this company to make actual proper equitable solutions without having to go into bankruptcy. Is n't it already enough for them that they make XXXX to XXXX times what was loaned out over 30 years? Obviously they are still trying to push people into foreclosure and ruin with their treachery and chicanery.

Company response to consumer: Closed
Consumer complaint received 2015-12-05
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
was not contacted at all whatsoever about any debt owed. I found out by checking my credit report and finding a collection agency account by ad astra in regards to a seriously past due loan obtained from speedy cash/rapid cash. For 5 months i received no mail no calls or any form of communication from speedy cash or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Continental Finance Company, LLC
State: MD
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:
COMPLAINT AGAINST XXXX  CARD On XX/XX/XXXX, I paid {$150.00} as monthly payment to my XXXX card account and on XX/XX/XXXX, I paid {$180.00} being my balance on my card.After processing the deposit of {$180.00} my balance was XXXX in terms of payment and my credit card balance was XXXX XXXX.Since that date there was no further transaction on my part. In XXXX I noticed a charge for a late payment of which I confronted them over the telephone. They explained to me that I did make any payment on XX/XX/XXXX which of course I did. Later they withdrew {$15.00} late payment of which they have already taken {$35.00} as late fee. What about the remaining $ XXXX I also saw another charge of which I asked them and they informed me, it is the yearly charges. I disclosed to them that since I paid all my balance, I have not engaged in any transaction so why charge me yearly charges at that time. I asked them to show me previous dates that I have been paying the yearly charges but they could not provide me the information. I later received a mail from them that I have a new balance of {$150.00} and that I should pay a minimum payment of $ XXXX that I should pay today XX/XX/XXXX XXXX.Yesterday I then checked my account online and saw changes that are quite different from the mail I received. On my online account I now have a new balance of XXXX and that I should pay $ XXXX on XX/XX/XXXX.Why the sudden changes? Why the information in the mail is different from the information that is on my online account. So between XX/XX/XXXX when I paid up everything with my balance standing at $ XXXX to now XX/XX/XXXX without engaging in any transaction, my credit balance is XXXX want to close this account but I want a clear explanation as I am totally confused. I am referring my case

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: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On approximately XXXX XXXX I opened a checking account at Chase bank. On XXXX XXXX somebody made XXXX unauthorized purchases with my debit card for {$90.00}. On XXXX XXXX Chase informed me that my account was on restriction pending closure. They said that they will not provide me a reason. This is very unfair because I have not done anything wrong. 
I went to different branches 4 times and I called up 5 times but they refuse to give me an explanation. I want an explanation why they are closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016 my UnionBank checking bank account was charged an unauthorized purchase transaction in the amount of {$400.00} by XXXX CA. However, on the same day of XX/XX/2016, 21 minutes before this unauthorized transaction I did shop and their for made a purchase from XXXX in the amount of {$56.00}. I have all of my prescriptions sent to XXXX for which I must pay for in order to pickup. I rarely carry cash on hand so I more likely use my bank debit card. I occasionally login to my UnionBank account as I did on XX/XX/2016 to avoid overdraft fees. Since I had very little transactions the {$400.00} withdrawn amount was very obvious. I then panicked and called UnionBank right away to report the unauthorized transaction. Today, XX/XX/2016 I followed up on status of my reported claim with UnionBank and have been informed that my claim was Denied due to : 1 ) repeated transactions from vendor 2 ) distance of vendor from my physical residence 3 ) the fact that I had my debit card with me at time I made the claim 4 ) Imy PIN code memorized their for no other person could have known of my person PIN code. Their is nothing I could have purchased from XXXX for the amount of {$400.00}. I ask that XXXX please allow me to see their surveillance cameras. UnionBank rep mentioned that whoever made the purchase transaction used my card since it has a chip & could only have been used along with the PIN code. 

And this was my banks response decision in regards to my claim : " For your reference, your debit card is the new chip-enabled type. This debit card type includes new technology that makes it difficult for someone to replicate or steal payment information at the point of sale. You may not be aware that the XXXX involved with this claim accepts chip transactions. Additionally, our Claims Investigations department verified your card was not linked to any known point of compromise. While we have no reason to believe your card was compromised, the transactions on your card do not appear to be suspicious. 
Based on the fact that you acknowledged authorizing a transaction at this same store approximately 21 minutes before the disputed transaction, prior transactional history at the XXXX, and being located in the vicinity of the disputed transaction, our Claims Investigations department declined the claim. After reviewing your claim with management, the Office of the President concerns the original denial decision was appropriate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Cascade Collections, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX with Cascade Collections called my cell phone today from ( XXXX ) XXXX, XXXX/XXXX/2016 at XXXX. She said she received a message via their website from me that I would like more information on an account in their office and said " what can I help you with ''. She made no attempt to verify who I was before 1 ) Sharing information with me about the debt, 2 ) Giving me an address where a letter regarding this debt was previously sent 3 ) Stating the amount owed, and 4 ) She not once said this was an attempt to collect a debt. She said she would email me my documents ( I requested ) if I emailed her first. At this point, she still has no idea who I am, as I previously stated she did not verify any information with me. She also asked for my current address and said she would be mailing out a validation letter. 

This is a violation under the 15 U.S. Code 1692e - False or misleading representations : ( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 
********************************** I will be filing a complaint with the original creditor and if need be, in court as this creditor can be fined up to {$1000.00} plus attorney fees and damages. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, Plus Four continues to attempt to collect a debt that is not valid. I have contacted Plus Four to request a name of number of person I can verify debt with and they have failed to provide such. 

They also continue to provide this inaccurate information to both XXXX and XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-09-23
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: HI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Weltman , Weinberg & Reis Co., L.P.A. has been contacting me about collecting on a student loan they are servicing for XXXX XXXX. After a few phone conversations, I asked them to provide documentation that verifies that they are the proper collections agency to collect on behalf of XXXX XXXX. This was back in XXXX, 2016. It has been 6 months and I still have not received any sort of verification documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The company stated it was illegal to delete the account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act '' or " the company agreed to delete the account for payment, after the fact they said they will not delete the account and therefore violating our original agreement ''.

Company response to consumer: Closed
Consumer complaint received 2017-02-04
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We contacted Caliber Home Loans to apply for a home mortgage to purchase a new home and were fraudulently misled with regards to the loan terms. We made it specifically clear that our intent in requesting the mortgage was to purchase a new home, and we would then immediately sell our current home, and apply those proceeds to our new mortgage. Because of this, we needed a mortgage that would allow us to make a large lump sum payment once we sold our home and lower our monthly payments going forward. Once we sold the house and made the lump payment, Caliber refused to honor the terms promised to us by our loan officer, and will not lower our monthly payments despite use making our large lump sum payment, and have instead shortened the duration of the loan rather than lowering the monthly payments. Despite repeated requests for resolution, Caliber has refused to honor the terms promised to us by our loan agent though our loan agent has confirmed that the loan terms we received were not the terms that we requested, were promised, or were told that we were signing. These are fraudulent and predatory loan practices taking advantage of the consumer, and we are requesting assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: ResidentCollect, 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 was paid

Complaint:
I leased an apartment named XXXX Apartments and i was asked to pay a deposit down of {$500.00} Dollars. An error was made by the leasing office and they wanted me to pay XXXX Dollars for a deposit and went to court and judge ruled in my favor that i did not have to pay an additional deposit. When i moved out the apartment i did not receive my {$500.00} Dollars deposit back and the apartment was left cleaned with no damage. Due to the Manager of the apartment being upset with the judge 's ruling she sent my file over to collection agency and charge me for things she made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Caliber Home Loans, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been getting a lot of refinancing offers from my servicer with titles such as " Caliber Has Important Payment Savings News for YOU. '' The " savings, '' however, come from the re-amortization of the mortgage at a new 30-year term -- the actual interest rate is higher than that on our current mortgage. I understand mortgages well enough to know that this offer makes me worse off. However, I think other consumers could be tricked into a contract that makes them worse off. ( Admittedly, there 's fine print at the bottom of the ad that alerts consumers to this issue, but I think it 's cryptically worded. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dept is paid off directly to collection agency. I need assistance notifying credit bureaus and original debt owners. 
And also XXXX duplicated collection accounts on my credit bureau file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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 received automated calls from a company calling themselves Portfolio Recovery stating that they have received a bad check through their office with my bank information, routing number and social security number and to press XXXX to speak with a representative. They will come on the line, verify my number and last XXXX digits of social security number then place me on hold to look up my file. The never come back to the line. After XXXX minutes or so the line goes dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2011 I sent a Debt Validation letter certified mail return receipt requested to Portfolio Recovery Associates , LLC. I have never received a response. Portfolio has been reporting this invalidated alleged debt to the XXXX Credit Bureaus since I sent the letter ( over four years ago ) which is considered further attempts to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I applied for a personal loan in the amount of XXXX for a XXXX.I never went back seems like XXXX charged the XXXX XX/XX/2013 and I just found out after getting collection notice found out it was from XXXX office Almost 4 years later.XXXX has reimbursed the $ But I have a collection with all XXXX Bureaus.As of yesterday the dental office paid back the XXXX I never received or got work done for this is XXXX XXXX XXXX in XXXX XXXX Ca collection agency is Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-06
Company: FC HoldCo LLC
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
After experiencing XXXX I had XXXX XX/XX/2015. This XXXX along with the XXXX forced me to take an extended leave of absence from work. I contacted Flagship Credit Acceptance to make my XX/XX/XXXX payment on XXXX XXXX, 2015. When asked why I was 7 days late, I explained about the XXXX without divulging my PHI information- I was XXXX and admitted as an XXXX something rarely done today. The representative wanted to know what body part of mines was operated on. I know that this was definitely a violation of not only my human rights, but PHI ( personal health information ) and he was going to share this information which was a HIPPA violation. I have been also told on numerous occasions by the Flagship Credit Acceptance Staff that they do not offer better terms refinancing on their loans and was advised to contact the dealership XXXX of XXXX regarding refinancing. XXXX of XXXX then refers me back to Flagship Credit Acceptance who continues to do business locking consumers in their predatory lending making it nearly impossible to locate financing with other lenders because like myself I am underwater or upside down in a car loan that is only 14 months old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Credit card
Issue: Other

Complaint:
On XX/XX/XXXX, I sent a letter to Portflio Recovery Associates, LLC to dispute account ending XXXX on my credit reports. I did not receive a response to the first letter so I sent another letter on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates , LLC stating that in response to my dispute they have enclosed additional documentation for my review. The letter states that they have completed their investigation concerning my dispute and the attached documents related to the account establish validity. Enclosed with the letter is a statement for a billing cycle from XX/XX/XXXX-XX/XX/XXXX in the amount of {$220.00}. This does not validate the debt reported to the credit bureaus. The balance reflected on my credit report is {$890.00}. On XX/XX/XXXX I received two letters from Porfolio Recovery Associates, LLC, the first letter provides details of the original creditor and the second letter advises me that any any further correspondence received would be ignored if no new information to form a new investigation is included. This is not a debt I owe and did not have an account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates , LLC out of XXXX, XXXX is attempting to collect on a debt that exceeds the statute of limitations of 7 years. This debt was part of a divorce decree filed in XXXX County, XXXX in 2003. As of today 's date, that makes the debt more or less 13 years old, thereby exceeding their jurisdiction. In addition this debt has been sold three times to different creditors and I do not believe the statute of limitations resets itself in order to satisfy a debt. It also states on their letter that if the amount exceeds XXXX dollars they " may '' report it to the IRS which is predatory collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
The debt is well beyond the Statue of limitations for collection. They have repeatedly taken of on credit report only to add it to others time and time again. The account was sold in XX/XX/XXXX and resold in XX/XX/XXXX. It should not appear on my credit report. They should not be calling family members about this old debt. They should not even be writing me about debt. They have been sued, they have been fined, yet they continue to commit the same unethical acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello, I 'm extremely upset. I settled the debt in full and now has a XXXX balance and they refuse to send me my letter stating it 's been paid in full and send to Credit Bureaus that this dept now has a XXXX balance and has been paid in full. This is an issue, they are not doing what they should when a dept is paid. 

Please have them fix this right away. It 's affecting my family and i financially.

Company response to consumer: Closed with non-monetary relief