BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-27
Company: Opportunity Financial, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2018, while in the XXXX XXXX XXXX at XXXX XXXX Hospital in XXXX XXXX, attending my extremely ill daughter ; this company continued to call me and offer to help me with a loan. The NEVER, explained tbat I would pay 4 times what I borrowed. After paying them well over and above what I borrowed, I called to ask why my balance is so high? Their response was I am not paying down my balance only parts of interest. I stopped paying by changing my bank account. Now, I want this company to remove this monthly statement of late payment to them when the account is closed. For two years they are waiti g for a month 's payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Ocwen Financial Corporation
State: NV
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I XXXX XXXX spoke to Ocwen Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX I also talk to XXXX they toll me they can not give me the full amount, XXXX went I talk to them on this day they say Yes that they were going to give me the full amount never toll me about any interest charge XXXX XXXX ID XXXX, also talk to XXXX ID XXXX well went I talk to them they told me to make the payment on the loan, and I did for the amount XXXX Do n't worry you are going to get all your money back went we get the pay off amount. But I told them that I was in the proses off paying the loan off amount {$170000.00} and my loan officer sent the pay off amount XXXX they got the pay off amount XXXX they are charging interest went I pay off the loan on time and made and extra payment for XXXX XXXX I pay {$1100.00} They only want to sent me {$1000.00} went I suppose to get the full amount. They say as long we get the payment before the XXXX XXXX it should be ok. I will get the full amount I still have not got my Money.Pleace help me call me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our current mortgage servicer is Caliber Home Loans. Their attorney notified us in a letter dated XX/XX/XXXX16 of a sale date of XX/XX/XXXX16. We are asking to have the XXXX XXXX date set aside until our loan modification application currently under review with Caliber 's Mitigation department XXXX, OK, has reached a conclusion. Caliber 's SPOC requested additional documentation as of XX/XX/XXXX16. It appears that my wife and I are victims of duel tracking. ( Please see the uploaded document entitled " complaint '' for further details )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SANTANDER CONSUMER XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$26000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: ResidentCollect, 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:
I am in the process of applying for a mortgage and i found a collection from Resident Collect on my credit.I am not sure what this debt is for. I disputed it with all XXXX credit bureaus for the past few months as well as sent letters via certified mail to the collection agency asking them for more information on the alleged debt they are reporting. I have sent XXXX letters certified mail to which they have not responded to either dispute at all. Since they have not provided any information about this debt and i have never received any dunning letters from this agency i have no idea what they are reporting on my credit and it has resulted in a denial of a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This HELOC account went into default XXXX. XXXX reports the last activity date of XXXX ( when the house foreclosed ) however, they continue to report 90+ days late as of XXXX ( 6.5 years later ). We sent XXXX credit bureau dispute letters however, XXXX has failed to fix the reporting issues. Please CFPB step in and require them to remove the lates after the account charged off. This is account is now 6.5 years old. It should be falling off my credit report all together as of XXXX. This item is reporting to mine and my husband 's reports. XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX : ( XXXX ) XXXX Dated : XX/XX/2020 To Whom it May Concern : On or about XX/XX/2020, I notice a inaccurate collection account on my credit file from Caine & Weiner. I immediately made contact with Caine & Weiner and notify them that I have no knowledge of this dept and I am requesting validation. I did not received a letter or a phone call from the original creditor or Caine & Weiner prior to this dept appearing on my credit file. Instead of Caine & Weiner producing the documents requested, they went ahead and updated the information on my credit file on XX/XX/2020, stating that the dept belongs to XXXX. This is a clear violation of the FTC, CFPB and the FDCPA. While speaking with the representative on XX/XX/2020, I requesting the documents, the rept gave me another name stating that company was in charge of the dept of my file which turns out to be Caine & Weiner. The rept tried to provide false information to me. 
I requested : On XX/XX/2020, I requested following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

To date, I have not received any documentation from Caine & Weiner that was requested. This is a clear violation of practice. 

Respectfully Submitted, XXXX XXXX C/O State attorney General Office XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: PCS Receivables Corp.
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 discharged in bankruptcy

Complaint:
I received a letter from Prime Acceptance Corporation on XXXX/XXXX/XXXX requesting payment for an account that was discharged in my Chapter XXXX bankruptcy back in XXXX XXXX. I 'm not sure why they are contacting me for the account 12 1/2 years later. I requesting verification of the account and they records clearly indicate the balance was in my Bankruptcy Chapter XXXX as of XXXX/XXXX/XXXX. My bankruptcy has been discharged along with this account and others so I 'm really upset that they would be trying to collect on a debt that was included in bankruptcy. In addition to that, the account is XXXX XXXX XXXX. Please assist with resolving this matter or refer me to someone that can. I also told the company to contact my attorney that was listed on the notification that was sent to them regarding my bankruptcy. In addition, the account was for an XXXX which closed a year later but moved to another XXXX center with men which I did n't sign up for, thus the company at that time agreed to cancelled the account. However, I wanted to make sure it was cancelled so I included in my bankruptcy filing so that I would not have any issues at a later date. So apparently they dis-regarded the bankruptcy notice since they are contacting me again about this account, or they sold it to this new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: U.S. BANCORP
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I called US Bank because I've been told repeatedly that I could go to a ATM to deposit when there are no machines in Virginia to deposit just withdraw So the bank rep told me to mail my deposit. 
US bank recieved my deposit on the XXXX and the XXXX put my XXXX deposit in the system saying reversal deposit so I called the bank and nobody could see it so I did co browse with 5 different bankers 3 days later XXXX it shows up as a deposit pending I am so disgusted that a banking institution has people working there and giving out wrong info I am suffering behind us bank. I have no food to eat cant pay my Bill 's They told me my money would be available on XX/XX/XXXX I have been told that it would be available in 3 days to 5 days to 7 days to 10 days. I want every call pulled to XXXX XXXX who said he didnt have a contact number I need the bank to stop sending my Bill 's  back when they have my money and I have emergencies I have talked to them o er 25 times and at this point I want all my funds and I dont want to deal with a bank that doesn't know their own policies. This has been a worry situation. Being told lies and caused me pain and my XXXX was racing to a XXXX attack I've been through it cause I'm XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified. '' that I have disputed.Please resolve this manner as soon as possible.Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
We signed up on XX/XX/XXXX for the Covid-19 Disaster Relief program with Home Depot and the Home Depot Credit Card linked to XXXX XXXX. On XX/XX/XXXX we were charged interest in the amount of {$2800.00} and I immediately both wrote the problem in a trouble ticket and called the Customer Service Line and talked with XXXX who called the Accounting Department for me and said within 2 business days I would receive full credit in 2 to up to a  max of 10 business days. On the XX/XX/XXXX which began a whole new statement the credit appeared followed by a {$4000.00} charge which was the principle of the same promotional charge of the interest that was forgiven. I told them I was in the middle of a re-finance of my home and that large of a revolving account purcharse could harm my credit and/or increase the interest rate on my home for the next 30 years. I put it in writing again and called and the first representative told me that his terminal had the old software and would have to transfer me to another representative. The new representative could not help me so I asked for a supervisor whose name was XXXX. 

After explaining in detail for over 1 hour and 15 minutes I go nowhere but for her to say it could take up to one to two billing  cycles to correct ( which is 60 days ). I told her that was too long and she said she was a supervisor. I told her clearly it is a duplicate of the principle of the promotional balance back from XXXX and I had received the interest charged back very quickly and why could the same not be done here. No reply to a message sent if they could give a provisional credit until they determined their error.of double charging.I have written messages everyday since and called with no results except a message it had been turned over to another department. It is now XX/XX/XXXX and no word on a resolution. This also places me way over my credit limit by almost 2 times and further points will be reduced from my credit score as well as the Debt ratio percentage since this large amount gets added to my revolving credit amount. This is no way to treat a long-time valued customer and while XXXX was customer service oriented, polite, and accommodative ; XXXX was the opposite and needs more customer service training and being capable of handling a large problem with some grace.

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 2017-03-31
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a XXXX credit card back in XX/XX/XXXX, in XX/XX/XXXX, after losing my job, I became delinquent in my account causing it to charge off. Once I became employed, I tried to make my wrongs, rights by paying off my debts. In XX/XX/XXXX, I made contact to the collection department of comenity bank. I was offered by the representative if I paid the settlement amount, he verbally agreed to remove from my credit report. So I gave him the payment information and he said that my report would be updated 30-45 from that date. Instead my account updated to paid in full. I 'm very grateful for that HOWEVER I was lied to just to get my money and because it was a verbal agreement, it 's Comenity Bank word against mine. I was told it was a recorded line but out of the numerous of times thru out the years I 've call, I get different answers, they refuse to pull the phone call stating they do n't keep phone records that far back or not every call is recorded. I 've heard it all. On top of that, they will not give me the agents name or who I spoke to. I agreed to pay which I did and they agreed to delete which they did n't. Many consumers that I 've spoke with has had the same problem dealing with this bank, they do n't stand behind what they say and as someone that is trying to build a future, it 's hard to have this disappointing credit line on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a chase credit card for 13 years. The other chase card for 5 years. My credit is excellent, all of my bills are paid on time and in full. They recently closed my 2 credit cards with no notice. I don't understand what the issue is. 

I called chase and they told me a letter was coming with an explanation. After 13 years and both of my accounts in good standing I don't know why they would have closed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a lot different name on my account.

They wrote

my name in so much different way I would like to delate those names and just have on in the correct way. Also the address if you can delate my old addresses and just leave the recent one. Im working on my mortgage house and, Im having some issues whit it because of that

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27
Company: WorldRemit Corp.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I attempted to send send money with this company to a friend in XXXX. I followed the instructions and entered my debit card information. I was prompted with an error and it told me to re enter my information. When I checked my account it had charged me twice for the same transaction. When I asked for this to be fixed they told me that I should have checked my bank before following the error prompt and following their instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: BB&T CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, my name is XXXX XXXX XXXX. The following is a summary of events in chronological order for a dispute on my credit card with Comenity Bank ( XXXX XXXX ). 

On XX/XX/XXXX a made a purchase of {$1500.00} with XXXX XXXX via phone and the purchase was completed using a Comenity Bank Credit Card. I was under the impression that I had purchase two round trip tickets but that was not the case. My intention was to cancel a previous flight I had purchase and buy two under the same reservation. This is an Issue that was disputed with XXXX XXXX and even though the flights were taken they still decided to issue me a refund and I was sent an email on XX/XX/2020 from XXXX XXXX stating that they were refunding me {$1500.00} for the misunderstanding since the purchase of the ticket went into review. 

The refund was not being reflected on my Comenity Bank Account so on XX/XX/2020 I created a dispute with Comenity Bank my account number is XXXX. 

My dispute was closed by Comenity Bank sending me documents that XXXX XXXX sent them saying that the flight was successfully flown but Comenity Bank is failing to understand that I had a dispute with XXXX XXXX before and was granted a refund. My flight was for XXXX XXXX and I Was granted the refund on XX/XX/2020. Supporting document was also sent to Comenity Bank but they are still refusing to represent me properly and are demanding me to pay for something I was granted a refund for. Comenity Bank closed my dispute on XX/XX/2020 with no solution for me other than to pay them. I find this unfair being that I was granted a refund by the merchant XXXX XXXX after having disputed my purchase with them prior to contacting Comenity Bank. 

I am asking for help in this matter. I did my part in taking the proper steps. I cant afford to lose this dispute being that again as stated earlier, granted a refund. We are in a global pandemic and every XXXX counts during these hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I believe Georgia law has not been followed concerning a Foreclosure. I believe I am going to be victim of a Wrongful Foreclose as of XXXX/XXXX/XXXX. I dispute the lender Calibur Homes sending a current notice that specify the default, action required to cure the default, 30 days notice to cure the default and that failure to cure may result in acceleration of the sums secured by the Security Deed. The notice shall further inform me of the right to reinstate after acceleration. Caliber Home Mortgage attorney provided me today XXXX/XXXX/XXXX with a letter from XXXX/XXXX/XXXX when the loan was with Vericrest stating an amount to be paid of {$3900.00} to be paid by $ XXXX/XXXX/XXXX to cure the default may result in acceleration. A chapter XXXX was filed as they had ignored the attempts at modification that had started with XXXX, then sold to Vericrest and I had to start the modification process over again and then sold to Caliber over a one year period. Caliber ignored my attempts and cont. to harass me by stating they did not have correct documentation, which was not true, and started the acceleration process, unless I could bring the loan current. I converted to a chapter XXXX and was discharged in the fall. Caliber Homes has accepted payments since the letter from Vericrest on XXXX/XXXX/XXXX and exceeded the amount of {$3900.00}. Caliber homes never notified correctly as I believe XXXX states. I do not feel I have appropriate time allocated to pursue a potential buyer whom has interest, or to have been given an specific dollar amount that needed to be paid to reinstate my loan. Thank you

Company response to consumer: Closed with explanation