BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-11
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I returned my leased XXXX five months early and leased a new one. Under rhe XXXX loyalty agreement, the dealer was to have ( and did ) make the last five payments. I was to be responsible for over mileage and tax approximately {$200.00}. 
I received a bill from XXXX for {$2000.00}. I presented it to my dealer who said it was a mistake and he would handle it. A month later, I received a bill from XXXX collection for the {$2000.00} telling me it was the differential for auction price and turning lease in early. They did not honor dealer loyalty program agreements. 
I went to my dealer who provided proof they sent check and loyalty agreement to XXXX. They would again take care of it. 
Tuesday XXXX at XXXX i received a call from XXXX collections ( XXXX ). I told her I was on vacation and did not want o be bothered. She continued to press for the {$2000.00} and threatened immediate suit. I called my dealer again. Today on XXXX I received a corrected bill for {$200.00} from XXXX. The collection agency was still threatening me over {$2000.00}. I demanded and apology, correction and the account to be removed from collection. They refused since an amount was owed despite it being {$1800.00} too high. Everyone was rude and nasty and refused to remove the matter from collection

Company response to consumer: Closed
Consumer complaint received 2016-06-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I earned reward points on my XXXX XXXX XXXX Card. Those points became available on my account on XXXX XXXX. I applied for an XXXX XXXX XXXX card in XX/XX/XXXX. Because of Platinum card signup fraud, UNRELATED TO MY ACCOUNT, XXXX XXXX froze all of my reward points including those I had earned on my Gold card. I was not informed of this freeze. I did not receive any communication about it whatsoever -- no phone, emails or texts. I called XX/XX/XXXX to resolve this issue. The customer representative had told me that my points were frozen as of XXXX XXXX and my account was under review for 6-8 weeks beginning XXXX XXXX. I called again on XXXX XXXX to get a status check on the account review. This time the representative told me it is under review 6-8 weeks from XXXX XXXX, when I had called in. I called in again today, XXXX XXXX, and was told that I reached my spend threshold on XXXX XXXX and that my account would be under review for 6-8 weeks from XXXX XXXX. Every time I call in, they push my review out further and further. I am frustrated that 1. I was not informed that my points were frozen, 2. I can not get a straight answer of why my account is frozen and when to expect a resolution. 3. no where in my cardmember agreement does it say they can freeze points on an account unrelated to the one they are investigating and 4. the flight I needed to book with these points is no longer available. This is costly to me because I will have to book the ticket with cash ( which costs more ) and the seats are no long available so I will have to take an additional day off of work to travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a debt validation letter Midland Credit Management , Inc on XXXX/XXXX/2015 trying to verify my debt. I do not recognize this debt and I requested that they validate it. They have ignored my requests for validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Went to XXXX and XXXX XXXX of Florida for some XXXX. After waiting almost a month for them they proved to be faulty, being very uncomfortable and causing me pain. I returned them to the office that I visited in XXXX and made them aware of the situation. They promised to fix it and let me know when they are ready. I made the payments requested of me and my insurance was billed. I then lost confidence in them since they took so long on both occasions and also the fact that they did not work for me the XXXX time, and especially since they hurt my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Financial Credit Service, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a letter from ARA, Inc in the mail on XXXX XXXX which was dated XXXX XXXX. I called them on today XXXX XXXX in which I asked who was the original creditor because the original creditor listed was XXXX Bank in which I never had an account with. So, the gentleman start naming other creditors names such as XXXX and XXXX. I informed that I never had an account with any of those and for him to send me a copy of the original creditor with debt owed. Then he states the orginial debt was active from XXXX and became active again in XX/XX/XXXX.He then proceeds that was an error listed on the letter in which I can not obtain the orginial creditor information and that we are going to sue you and garnish your wages. I also informed him that the last name listed for myself has never been used since XX/XX/XXXX as a child. So, he proceeds to say, we are going to sue, have a good day, and hung up the phone abruptly. Therefore, I dispute the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I do n't remember this credit card to be honest I receive a letter from the XXXX saying notice of garnishment. the collection is from XX/XX/XXXX it 's tooold to be XXXX for and at the same time I got injury on the job I 'm waiting on workers Com. I do n't have any income coming in at the moment. I did n't receive any notice trying to collect before suing me. I was XXXX before my check was being Garnish and I got lay off so I was n't able to continuing paying this in XX/XX/XXXX the company was getting money from my pay check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block and remove these accounts ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2016-04-16
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I went to XXXX in the year of XXXX. XXXX was scamming and stealing money, and also charging students for meals, transportation, and room and board. When I was staying in my own home, had my own car, and brought my own food to school. I have paperwork to prove so. The school made me take out loans called XXXX. All of the XXXX students in my class XXXX loans were forgiven, however XXXX sold my loans to a company called ( UAS ) University Accounting Service , LLC . and I have been going round and round with these people for 1 year and a half on these loans, and they wo n't forgive my loans like they did the other XXXX students from my class. I have asked them why, one time they tell me because they had different loans, I know better than that because the nurses have showed me their paperwork, and we had the same loans, same program, and was in classes at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
Went to Toyota XXXX, XXXX XXXX FL to lease a car. Saw an ad on TV for two year lease, low monthly and low down payment. Sales Rep XXXX XXXX went to computer, asked my SS # to find out my credit rating. I told him " excellent. '' The sales mgr entered and asked, " Did she pick out a car, a color? '' I did. I wanted to nail down low down payment and low monthly payment on two year lease. Sales mgr replied, " How much do you want to pay? '' Can you put XXXX down? '' Then he asked for my car keys on a XXXX that was at the end of a 39 month lease that would expire in 3 months. 
Sales Mgr who took over the deal, never told me what residual value was on the Nissan Altima, just, '' I 'll take care of it '' When I got tired after two hours in the showroom, I said I wanted to think about the lease and asked for my Nissan keys and they said, " We put plate on new Corolla. I was tired and I caved. I went to the finance manager XXXX XXXX. 
His first words to me were, " we have XXXX cameras in the ceiling. '' I felt intimidated. I signed a sheaf of papers and went home with the Toyota. 
The next day I saw in my paper packet, XXXX signed copies of a " Total Care '' package costing {$530.00}. I went back to dealer. They took {$18.00} a month off the three year lease payments when I wanted a two year lease as the TV had said. Oh, XXXX XXXX gave me XXXX copies of the Total Care package I had signed three times. I feel this was to intimidate. As if to say, " Do n't come back here complaining about this, you signed three times! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received correspondence from EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor XXXX bank. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: AFNI INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
received letter from AFNI saying i owed monies on potential litigation. i was not in an accident on date of lose XXXX, i have never heard of this litigation, this seems to be total fraud. they give the insured name as XXXX XXXX XXXX never ever heard that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been out of work since last year. I fell behind on everything. In XXXX I made XXXX partially payments on my mortgage to Ocwen Loan Servicing paying the largest part of the mortgage for XXXX, XXXX and XXXX. That was all the money I had. I started working again XXXX months ago. The XXXX thing I did was pay the balance of those XXXX months including late fees. I wrote XXXX checks and explained exactly what the checks were for in the memo. Ocwen cashed the XXXX and XXXX checks and returned the XXXX. I get paid weekly and out of each pay check I send a partially mortgage payment. I sent a partially payment for XXXX and from the next weeks pay I sent the balance. I did the same for XXXX. I have just sent payment for XXXX. Ocwen has returned the payments and sent me a delinquent notices stating that I owe from XXXX through XXXX. I keep sending the payments back and they returned them again. If they would keep the payments I would be caught up through XXXX with XXXX next as we are still in XXXX. I do n't know what else to do but keep sending the payments. I can only pay the arrears this way. Once it 's caught up I can pay on time. I am alone, I am a XXXX year old woman and I have no other income and nowhere to go. I need help with this. I do n't understand why thy wo n't accept the payments. I 'm still getting collection calls and the state they want to help with the mortgage. Sending the payments back is not helping. they have also sent my name to XXXX who call and email me with loan offers on a regular basis. I just want to get my bill paid and get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: HW Holding, 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:
I rented from XXXX, a month before the completion of the lease i was unable to pay due to bad wether preventing me from working, ( we were XXXX in ). I paid my eveiction through the court. XXXX charged, e after the monies were paid.. hunter warfield is refusing to make any of the proper reportings so that my credit score reflects my current ability to pay. I paid the eviction in XX/XX/XXXX. hunter warfield reported XX/XX/XXXX after it iwas already satisfied in XX/XX/XXXX. the worst of it all is outragous claims of debt for a n apartment that only clothes on he floor when i left no bugs no food just clothes. they charged me for carpet. builder grade carpet is XXXX installed. the carpet was 4 years old already becuase they told me the previous customer was there for 2 years and the carpert was not new. i was there 2 years leaving one year before tn law would require them to pay for new carpet my portions of the payment for carpet should be less 75 % total cost of carpet. should be around XXXX another issue that needs to be address is the unprofessionalism with which this was handled. I reached out to huner warfield on several occassion being tossed around from person to person. I finally spoke to some one who attitude was very unruly. very disrespectul and without regard for my desire to move on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: HW Holding, Inc
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have repeatedly asked for validation of debt from this reporting agency and this company will not comply with my requests .To my knowledge the original creditor is an apartment complex and I am not sure at this time what this bill is for .This is affecting my credit score and if I can not get a validation of debt please remove from all XXXX credit bureaus. Also do they have the right to charge interest on this type of account. I am not sure what else I can do but get a lawyer involved if this is not resolved. 

Last Reported XXXX XXXX, XXXX Collection Agency HUNTER WARFIELD INC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$760.00} High Balance {$660.00} Remarks Account information disputed by consumer, meets FCRA requirements

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I inherited a home from my dad XXXX XXXX due that he passed away ; my dad still has a mortgage through Ocwen and because the acct was behind ; I was asking for a loan modification and to have the loan transferred in my name. In my opinion, Ocwen is the most unprofessional and display no empathy for a person at all. I submitted death certificate, transfer affidavit ( from atty XXXX XXXX XXXX, all my payroll stubs, tax information, etc. began to pay the mortgage and they continue to suspend my payments and stated that the information that I provided isnt good enough ; they are requesting a Will or letter of Administration. My dad didnt have a Will and my atty XXXX XXXX stated that what he provided is all they need but they insist that I go through probate and get a letter of Administration. I never seen a company that is so unorganized ; now granted my have authorization to speak with them regarding my dad 's account but they will not transfer the loan in my name and at this point I dont know where else to turn. I dont want to lose my dad house but I dont have {$7000.00} to pay out right to catch up on his loan ; but going forward I 'm so willing to take responsibilty but I need them to work with me. I 'm at my wits in because I have been dealing with this maddness for over 6 months. Is there anything you can do to help me resolve this issue. I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Having Problems with Ocwen loan servicing. The way they are servicing my loan I feel that they are forcing me into a default. My payment went up for the XXXX time in 3 months and this time it went up {$200.00} per month and they said it was because my insurance went up. Contacted my insurance company and it did by less than {$50.00} per month, not over {$200.00} per month. Talked to the on the XXXX of XXXX and requested info to be emailed to me for review and as of today no info sent. Talked to a rep and requested same info and all he could say was maybe its in your junk mail and when I mentioned CFPB the phone was disconnected. Please help me this this company. I do n't want to lose my home but the way they are servicing my loan it will have to go in default. Very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OVERVIEW : Ocwen Loan Servicing LLC failed to fully refund an over-payment on my home. The refund check was short by {$460.00}. 

FACTS : 1. Ocwen had serviced my home mortgage until I closed on the sale of my home on XXXX XXXX, 2016. 
2. An extra auto-payment of {$2600.00} was made on XXXX XXXX, 2016. The payoff amount declared by Ocwen was fully paid at closing on XXXX XXXX, 2016, so the auto-payment of {$2600.00} was an over-payment. 
3. I called Ocwen 's Customer Care number ( XXXX ) on XXXX XXXX, 2016 to inquire about a refund of the over-payment. I was told that a full refund check was mailed on XXXX XXXX, 2016. 
4. The refund check arrived on XXXX XXXX, 2016. The postmark shows it was mailed XXXX XXXX, not XXXX XXXX. The postmark is coincidentally the date of my inquiry. Furthermore, the check was backdated to XXXX XXXX, 2016. Finally, the check was only {$2200.00}, not {$2600.00}. Consequently, it was short by {$460.00}. 
5. I called Customer Care again on XXXX XXXX, 2016. I was told by Customer Care representative " XXXX '' that my complaint would be submitted to the " Refund Department '' and I would need to wait for up to ten business days to get a response. 

CONCLUSIONS : 1. Ocwen failed to promptly refund the over-payment. 
2. On XXXX XXXX, 2016, Ocwen made a fraudulent material misrepresentation that they had already mailed the full refund check on XXXX XXXX. 
3. On XXXX XXXX, 2016, Ocwen made a fraudulent material misrepresentation that the check was a full refund of the over-payment of {$2600.00} that I had submitted via auto-payment on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016 OCWEN posted Keep Your Home California funds to my account. My home loan payment was supposed to change from {$1100.00} to {$820.00} according to the Keep Your Home California recast. I was told this recast was not optional. I signed the document OCWEN sent to me months later in XXXX 2016 even though OCWEN did not include a return envelope. I used the address on the document and took a photo with my iphone and sent a copy to XXXX XXXX at OCWEN so he would know what address I sent the notarized document to. OCWEN did tell the Department of Justice that they did not receive this document and yet they made no effort to send me the document again and would not return my calls and emails regarding the fact that I needed an envelope. I had to try to remedy the situation without any help from OCWEN. They are non-responsive at this time.

Company response to consumer: Closed with explanation