BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: PNC Bank N.A.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
My recent complaint was closed because the CFPB stated that my complaint was a duplicate, this is not a duplicate. This is a different/new transaction from what's being reported! 

I submitted a dispute with PNC bank because there was an unauthorized transaction on my account for {$100.00}. I received a letter in the mail stating that the investigation has been completed and the transaction was valid. PNC Bank has not provided me with any documentation that proves that this transaction was in-fact authorized by me. Pursuant to 15 USC 1693g ( a ) it is the purden of proof for the financial institution to provide proof that a unauthorized transaction was authorized by the consumer by signature, photograph, or fingerprint or by electronic or mechanical confirmation. PNC has not provided me with any of the requirements under this subsection. Please help assist in resolving this matter and having my funds returned back to me as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knlowledge of this original creditor. I have never lived in this city. I have had multiple fraudulent accounts appear on my credit report. I have had to call all 3 credit beaurus several times and place credit fraud alerts on my file as well contact the police. I now have to keep my credit files locked and a security freeze at all time. I just had fake names removed off my report. I asked for the addresss to these accounts as they are in XXXX Fl. I dont live there nor have I ever.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen holds the XXXX on my home and for 2 years I have been appealing to them with documentation, to remove fallacious bankruptcy comments they 've reported to the credit bureaus. All to no avail. 
In XXXX XXXX someone from Ocwen Loan Servicing , LLC in XXXX, XXXX arbitrarily decided that my home and primary residence at the time was included in my bankruptcy which was discharged in XXXX of XXXX. They reported that the debt was " included in XXXX XXXX '' and " discharged '' " XXXX XXXX, XXXX. '' They show the account closed and transferred. My Loan was transferred to Ocwen Loan Servicing in XXXX XXXX XXXX XXXX. 
Last month on XXXX XXXX, in response to a XXXX XXXX, XXXX email, I received a letter from Ocwen 's Office of the Consumer Ombudsman admitting to the error stating the " trade line should reflect as closed and service transferred however, the bankruptcy comment should have been removed. " As of this date the false information remains on my credit report, my complaint submitted to the XXXX has been ignored, and calls to the Ombudsman office have not been returned. 
My payments have never faltered or been late, my payment history is perfect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing is showing on my credit report that I owe {$55000.00} on a mortgage that was discharged in a charged in XXXX XXXX bankruptcy on XXXX XXXX, 2013. I have attached my credit report, the Bankruptcy Trustee 's Report of Receipts and Disbursements, a letter showing that I completed all of my bankruptcy payments, XXXX from the bankruptcy filing showing that Ocwen was included in the bankruptcy and the letter from the bankruptcy court showing that my bankruptcy was discharged and my plan was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Sunset Management, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Sunset Finance in XXXXXXXX XXXX. I have XXXX {$1000.00} personal loans that are not even 30 days behind and they have called my ex wife, mother, uncle, and ex father in law. Saying they need to get ahold of me about last money owed on a loan and I have told them I work XXXX XXXX to stop calling me and other family I am aware of what I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I filed a dispute requesting verification of a debt that is being reported by Portfolio Recovery Associates ( PRA ) for account XXXX XXXX. Since I never received notice of my right to dispute this collection I did n't find out about the collection until I was denied credit. I then immediately made a request for debt validation from PRA which was summarily ignored. 45 days after my initial request I, again, requested debt validation from PRA. And just as before, my request went unanswered. Soon thereafter, I began being indundated with calls from them all day, every day. So, although they could n't find the time to reply to my numerous requests they found the time to begin harassing me. In an attempt to mitigate any further harassment, and hopefully get them ( PRA ) to validate the debt they are reporting to the CRA 's as required by law, I filed a dispute with XXXX on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates reported and amounts owed. I also took care to note PRA 's failure to provide any proof that the debt is valid and being reported correctly. On XXXX/XXXX/2015 I received the results of the " investigation '' performed by XXXX with a determination that they were able to verify the debt. 

Under FCRA sec 623., I am requesting disclosure of the " original creditors documentation '', on file, that they must maintain to to validate all data being reported be made to me XXXX 30 days after receipt of this notice. If they are unable/refuse to provide documentation I am requesting that the the reported data be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: AR Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2015 I went to the doctor ( XXXX ) I paid the co-pay at the time of service. I showed AR resources a copy of my receipt from XXXX. They continue to report that I owe this debt which is effecting my security cleareance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I represent buyers of a home owned CVF III Mortgage Loan Trust II ( hereinafter CVF ). CVF is the owner as a result of a large securities purchase from Ocwen Loan Servicing , LLC . As part of this transaction Ocwen must provide a quit claim deed to CVF that would provide CVF with the proper authority to sell the property to my client per the contract we signed XXXX/XXXX/2016. A quit claim deed was sent to Ocwen on XXXX/XXXX/16 for execution. As of today they have still not executed the Quit Claim Deed. My client was scheduled to close on XXXX/XXXX/16. As of the end of this week he has no where to live and was relying on the seller 's to provide clean title as of this date. CVF has been working diligently and requesting the executed quit claim deed from Ocwen daily for the last 5 weeks. Ocwen can not provide a reasonable explanation for the delay and is almost certainly in default of their contract to sell the security for not providing the Quit Claim Deed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
To : From : XXXX XXXX XXXX number : XXXX Claim number : XXXXProperty address : XXXX XXXX XXXX. XXXX, NC XXXXMy name is XXXX XXXX XXXX and have been a mortgagee of SPS now for over XXXX years. On XXXX XXXX, 2014 I was on a spiritual retreat when at XXXX I received a call from the XXXX Police Department informing me there had been an electrical fire at my home. My first though was my XXXX year old son and making sure he was OK. So since that time my son and I have been in temporary living quarters. I 'll make a long story short. XXXX performed well keeping their agreement as my insurance provider. When I received the XXXX draw of {$57.00} XXXX I thought to myself ; we should be able to get back into the house before XXXX. 
In the first few weeks the performed well finishing the roof, the soffit and the fascia. The inspector came and his estimate was 27 % which I vehemently disagreed. I thought it should have been more like 33-34 %. The next draft was for $ XXXX and quickly was exhausted. This was in XXXX .I went ahead and requested another inspection because a great deal of these funds were already owed to the sub -contractors. I 've had XXXX extensions since the inception of the loan. Instead of moving the XX/XX/XXXX, it will now be more like XXXX. I 've had back to back inspections as the XXXX was completed XXXX weeks after I requested the funds. What I 'm finding out is how lengthy the process can and has been. I 've now been waiting almost XXXX months for check and the frustration, stress and absolute anger ca n't be defined. 
I should not have to beg for these funds Period. The same forms I sent in XXXX months ago are being requested again. The waiver of lien, the contractors ' license number and his tax information. This has been the most traumatic event I 've ever dealt with in my entire XXXX years on this earth. Why did we proceed thus far without the information. What if this was you or your wife dealing with this? I 'm sending this to the world ; no one should have to deal with this XXXX. I do n't wish this XXXX ordeal on anyone. I 'm sure SPS holds these funds as long as possible to earn any type of interest. Will you pay me interest? Please intervene and help me get back home. I 've had a XXXX in the past few years. This has been the most wicked and XXXX experience of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen loan servicing company did not send me XXXX for XX/XX/XXXX tax year. 
When I try to contact customer service to get these tax documents, they could not find any records of the loan ( SSN, loan number, etc. ). 
They probably erased my records because I paid back the loan in XX/XX/XXXX. 
They erased my online account which I had previously used in order to download XXXX for XX/XX/XXXX. I can not create a new user because the website does not recognize my loan number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As part of our mortgage modification we sought the ability to pay our taxes and insurance independent of our mortgage in order to better manage our monthly expenditures. We communicated our desire to pay our own property tax and home insurance and not to have them escrowed to the relationship manager at the mortgage company people during the modification and trial payment process. Each time we were told that it could be arranged. This was important because it enabled us ( as we told the mortgage servicing company ) to better manage our monthly finances. During the modification process at no time did they state that this could not be done. 
We are now being told by the Mortgage Servicing Company that they can not allow us to pay our own property tax or home insurance ; and that it must be escrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I filed a CFPB complaint # [ Case number : XXXX ] against Speedy Cash. 

*****My requests were simple : 1 ) for them to remove the excessive, multi compounded interest and fees - especially after I was misinformed and mistreated when attempting to go end center near closing to asking for a reduced, fair payoff so that I could resolve this issue. 
2 ) I tried to explain that I was a XXXX and now in extended homeless location for safekeeping and for business and personal advocacy assistance. This is the ONLY matter where I have not gotten fair treatment or response. 
3 ) I want a low, fair pay off minus excessive compounded fees -especially when I have asked for a pay off in person. 
4 ) Speedy Cash rather rushed and sold the file to some outfit called XXXX XXXX XXXX XXXX to avoid mailing me a simple, payoff less all those monstrous, unfair fees given my personal and now medical hardship that I attempted to verify regarding a recent very extensive and expensive XXXX. In good faith, I have tried to get help. I now need the CFPB to assist me toward a DEMAND for low affordable payoff IN WRITING from Speedy cash. I also want to combine this complaint against XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ref file # XXXX. 

5 ) I am demanding that Speedy Cash retreive the file, send a low, fair, affordable, payoff IN WRITING and not by phone since they are dishonest to conclude this matter. The Speedy cash account information is in the above reference CFPB complaint # [ Case number : XXXX ] Thank you for helping consumers from the deceitful practices, mistreatment, etc of such outfits. I was and still am distressed with dealing with them and all related issues. I, with my State advocates are now working to resolve this matter. Again, thank you. XXXX XXXX XXXX Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
World Finance Corporation is reporting a debt a charge off when the debt was sold to XXXX XXXX ( debt collection agency ) the debt was settled in full with XXXX but world finance continues to report the {$900.00} as a collection and charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 
Under federal law, you have XXXX ( XXXX ) XXXX to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX XXXX XXXX XXXX XXXX of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was approved for deferral yet Im still showing delinquent for those months. They do not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I HAVE BEEN A VICTIM OF IDENTIFY FRAUD. ACCOUNTS HAVE BEEN OPENED IN MY NAME. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I HAVE A POLICE REPORT.

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 2022-11-14
Company: EdFinancial Services
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund a month ago for all the payments I made during covid emergency and they havent processed the request. I think is ridiculous how they have taken so long when other providers process everything under 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/XXXX I signed up with Capital One Auto for a vehicle loan on my XXXX Chevy Tahoe. Everything thing was setup and good to go. I made my first payment via the phone and also a few other ways in the beginning. I then was referenced to the CapOne360 APP so I downloaded it and my payments via that ... .so I thought. It seemed the the APP was not taking my payments due to some sort of malfuction which then cause a spree of 30 day late payments. Me not knowing any better I began to pay through XXXX XXXX and via XXXX XXXX app. Come to find out I had been behind on a total of 9 or so months. I informed them about the APP and it seemed to be a issue that others had as well. They reset it then I did n't use it anymore. Then through a sequence of events the car ended up being repossessed on the day that the payment was due, in which I called that day to make the payment and they seemed to had already taken the car. The rep I spoke with said that I could pay at anytime on that day. I had no idea that it was that late I had just been paying the monthly amount. So after the car was repossessed in efforts to get everything squared away via my account and credit report I then spoke with a rep that said, If I paid the full amount due instead of the program and stayed current going forward that the repossession would be removed and the 30 day lates would also be removed due to the APP. Since then I have spoke with XXXX reps from the office of the president who looked up the information, and listen to the phone calls, but since I did n't have a name and ID they could n't honor it when i 'm XXXX sure I was told such. Since XX/XX/XXXX I have remained current and have had no further issues, except the inability to get those remarks removed. I spoke with XXXX and XXXX other individual

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: Coastal Credit, LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Coastal Credit,XXXX, XXXX, CO XXXX, issued a loan to me for a XXXX. I purchased the XXXX from XXXXXXXX, XXXX, CO XXXX ( Exhibit A ). I returned the vehicle prior to 3 business as the dealership violated the Law of the State of Colorado. I contacted Coastal Credit regarding the returned vehicle and instructed them to withdrawal their EFT payment to XXXX. The company refused. I hired the law firm of XXXX, XXXX, XXXX, XXXX, to defend me regarding the actions of XXXX employees ( Exhibit B1 and B2 ). In addition, I contacted State of Colorado Criminal Investigator, XXXX, to file a criminal complaint against XXXX. Attorneys for XXXX agreed to settle out of court and refund Coastal Credit for the cost of the loan. I continued to pay Coastal Credit timely payments until the lawsuit terms indicated I no longer had to as Coastal Credit was made aware of the fraudulent loan within 3 days of the purchase of the vehicle. However, Coastal Credit refused to honor Colorado law and victimize me further. Moreover, the State Criminal Investigation did conclude my rights were violated and XXXX was to refund the cost of the car ( Exhibit C ). I complied with State Law and made payments to Coastal Credit, returned the vehicle to Coastal Credit as I was directed by the court to do and I was not required to make any further payments to Coastal Credit. Coastal Credit failed to file theft charges against XXXX or recall the loan. Their failure is not a failure on my behalf to have a charge off on my credit. As is consistent with Colorado Law the charge off as listed on my credit reports with XXXX, XXXX, and XXXX by Coastal Credit is a fraudulent entry must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX for my, then XXXX yr old daughter XXXX. I have XXXX XXXX XXXX. through the XXXX XXXX XXXX in XXXX Nv. I pre authorized the work on XXXX. The XXXX was done on XX/XX/XXXX. A XXXX later, if there was some problem with the covered amount, they had plenty of time to know. I came to pay it in full after a XXXX months of small pmts. and XXXX XXXX XXXX XXXX 's staff said I owed XXXX I have a written pre auth for {$630.00} So I said they needed to call XXXX XXXX again and straighten this out. It went back and forth, They would say I only owed XXXX then back up to XXXX ... I got a note from XXXX, a office staff person at XXXX XXXX 's, saying that she called XXXX and I and my daughter were fully covered and she resubmitted, that was XX/XX/XXXX ... months later. XXXX XXXX, I got a statement form XXXX XXXX Saying the amount I owed my provider, {$630.00} exactly. I sit here now XX/XX/XXXX, The Collection Service of Nevada has garnished my wages, I make {$XXXX} per hour, and I will have trouble feeding my XXXX children, and making mortgage. I have had this problem with XXXX other dentists in the XXXX area ...??? Is this just how they do business? I ALWAYS have gotten a pre Auth. and always say " Please make sure this procedure is covered to the amount quoted ''. Is that some kind of a joke with dentists? You sign that you will be responsible, Then they do not make sure you are covered to the amount quoted. Knowing full well that you will be on the hook anyway. So when I talked to XXXX XXXX XXXX month, before the attached my wages, The woman was looking over all my documentation she says, " they should have known before the final root canal and cap that you were maxed out ''. So did they know? Sounds like they might have. And XXXX other woman who works with me, has had the same problem with the same dentist, over billing after the quote, with the same Ins.

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