BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: Avant Credit Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed in a payment via money order on XX/XX/XXXX for XXXX. It was cashed by Avant on XX/XX/XXXX but never applied to my account. I have called numerous times and I was told to email customer service at XXXX. I have emailed a picture of the money order stub and followed up with emails requesting help. Sometimes they will email me back and tell me to call the 800 number. When I call they tell me to just log into my account online to watch for the payment to post. I emailed XXXX XXXX and XX/XX/XXXX. I have called at least once per week since the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card
Issue: Payoff process

Complaint:
I owed a large amount to American Express Consumer credit card. I refinanced my home and was able to roll the debt into my mortgage. I received a check for the payoff from my mortgage holder ( XXXX XXXX ), contacted American Express collections service in XXXX, AZ for the full payoff on XXXX XXXX, 2015. The payoff amount provided by the collection service was XXXX plus {$270.00} in interest accumulated. I Mailed via XXXX Priority Overnight, Saturday Delivery the requested funds to the debt collection center in XXXX, AZ. so the payment was received on XXXX XXXX, 2015, in full. American Express Failed to post the payment until XXXX XXXX, 2015. They then proceeded to Charge me interest on the outstanding balance, after receipt of my payoff in full. Since then, they have charged interest on the interest and late fees, yet I was not contacted by their collection agency regarding any difference in the payoff amount and the amount submitted. Today, they have reported the account as delinquent and posted a negative notation on my credit report, and when I contacted them to inquire about what had occurred, a person at a call center in XXXX, told me that the payoff amount provided by the company was basically worthless, since interest accrued from that day till the payment posted. What legal recourse do I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen sent my home into foreclosure in XXXX XXXX. Long story short, I paid it in full at the end of XXXX XXXX in the amount of {$22000.00} via wire. The amount needed to cure my mortgage was {$22000.00}. After that, I had no late payments and was not notified of any fees. When I pulled up my XXXX XXXX statement there was {$200.00} in " Past due fees/ other charges. '' I called Ocwen in XX/XX/XXXX and they did not know why the fee was on there since I paid XXXX the cure amount and had no late payments after that. They said they were sending it to their research department and would email me with the result in 10 days. I called today ( XXXX/XXXX/XXXX ) and spoke to operator # XXXX. He told me that Ocwen emailed me on XXXX/XXXX/XXXX with an explanation of the fees but I can assure you I received no such email. I 've been monitoring my email very closely for that letter because I 'm in the process of selling the house and moving into a new XXXX - I needed the letter to explain why there were fees and when they would be removed. During the foreclosure process ( which was sketchy at best ) Ocwen assessed me with XXXX " Property Inspection Fees '' totaling {$270.00}, all dated XXXX/XXXX/XXXX. They never came to the house and XXXX fees is very questionable. I 've attached that history so you can see all the fees/ charges we were assessed. I 'll also attach the XXXX XXXX statement where I noticed the {$200.00} that Ocwen is claiming was for processing after I had XXXX cured the mortgage. I do n't receive letters they claim to have sent, I can never get an answer when I call them, they wo n't remove fees that they never told me about and make no sense, and trying to understand anything with them is impossible. I am hoping you can help me by reviewing the fees I was assessed and by forcing Ocwen to return any unfairly assessed fees to me. In addition, I filed for a loan modification XX/XX/XXXX with them ( I may be wrong on the month ). They never wrote me or advised me of their decision. When I called they said it could take up to 6 months. I never received a decision or a loan modification. I 'm at my wits end with them and I truly do n't know how they are able to legally operate a business in this country. I would truly appreciate any assistance you can give me because trying to work with Ocwen themselves is impossible. Thank you in advance - I am glad you 're there to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Overcharged for something you did purchase with the card

Complaint:
first i started by speaking with walmart and they have stated they did not process 2 charges to my card - they have only 1 transaction so they can not issue a refund - spoke to capital one customer service on the phone twice - 1st time the csr could see that i was double charged - admitted that i was double charged but said she could not fix it and that we needed to talk to another crs - left me on hold for 3 hours - 2nd time i got walmart involved we were on hold for over 2 hours trying to get to capital one csr - he was supposed to take care of the issue but the double charge is still on my credit card and they are now trying to force me to pay it!! attached is a screen shot of my account showing the double charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a letter dated XXXX/XXXX/2016 stating that my Target red card had been closed due to too many returned payments I immediately called target red card customer service to see what had occurred because I have n't had this issue before they then stated that this had also occurred back in XXXX because my checking account was closed and or frozen I stated that it wasnt and that i hadnt had any similar problems like this with any of my other creditors he then conferenced called my financial institution which they confirmed that my account was n't closed nor frozen but in fact the issue which was causing them to receive that error code thus subsequently returning payments was because my checking account did n't have check writing capabilities which they were initiating payments as a check and could only be used to make payments using the debit option I asked for my account to be reopened but the customer service agent was n't willing to help with that request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
experian has blacklisted me internally from filing disputes online and via mobile devices. Also unable to use experian upload. Was told this matter can not be corrected and unable to speeak to IT dept and recorded conversation with agent. Reported issue for MONTHS to experian and they have refused to assist me, the recording is the proof. My account is reporting with a balance and the account is XXXX and causing me to be penalized with finances/loans and etc. RECORDING CAN BE PROVIDED.

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 2021-11-18
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello there. I am writing about a debt that is not mine. I am not alone on this matter as many XXXX drivers who leased a car from a company called XXXX XXXX is getting debt collection letters from a debt collection agency named RPM ( Receivables Performance Management ). I leased a car from this company starting in the Spring of XXXX and returned the car XX/XX/XXXX. Sometime around early XXXX, XXXX XXXX contracts and portfolios were sold to a company called XXXX XXXX XXXX. They took over the leases from XXXX XXXX. I have always paid my leasing fees ON TIME and in a timely manner. Now, suddenly after a little over 3 years of returning the car I get a very mysterious debt of {$4200.00}. On the Debt collection letter, it states that the Current Creditor is XXXX XXXX XXXX, XXXX. Original Creditor listed as XXXX XXXX XXXX. I already sent a dispute letter to RPM. As for XXXX XXXX XXXX, fraud or accounting negligence ( or maybe both ) must of occurred once XXXX XXXX was sold to XXXX XXXX XXXX. I satisfied the contract to XXXX and believe that RPM 's bill is based on bad information. So, the XXXX big players here that should be looked into are : Receivables Performance Management , LLC ( Debt Collector ) XXXX XXXX XXXX, XXXX ( Creditor ) Fair Acquisition, XXXX ( Leasing Company When Car Was Returned )

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 2015-06-26
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
First Source Advantage, XXXX XXXX XXXX XXXX, XXXX NY XXXXXXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a one time offer with a unrealistic date basically 10 days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
State: AL
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:
There is an account from XXXX credit cards reporting on my account that I never applied for and thus must have been opened fraudulently. 

It is said to have been opened on XX/XX/2014 with a balance of {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: AR
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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} DTEDXXXX  XXXX {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ORIGINAL PURCHASE WAS  XXXX  I DID NOT RECEIVE A  PAYPAL BILL U NTIL THEY STARTED ADDING LATE CHARGES. I HAVE SPOKEN AND SENT LETTERS MONTH AFTER MONTH TO THEM, FINALLY I SEND THEM  XXXX  WHICH I DID CK #  XXXX   XXXX / XXXX / 17 . NOW THEY WANT MORE MONEY THE AMOUNT I SENT WAS WHAT THEY TOLD ME TO SEND TO CLOSE THE ACCOUNT. MY WIFE HAS  XXXX  AND THE CALLS ARE VERY UPSETTING

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-03
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I 'm not sure if this is considered impersonating, but I received a letter on XXXX/XXXX/2016 from XXXX XXXX. The letter stated I owed over {$1600.00} to XXXX. I have never had XXXX in my life. They spelled my name wrong, and I ca n't get a hold of anybody. I also called XXXX, and talked to the collections department, where they could not find my name, the name it was supposedly under, or anything of that nature, and they were looking at every account they 've ever had. XXXX ( who I supposedly had the account with ) has no record of me whatsoever. When I asked if they do business with XXXX, they stated they do business with XXXX in the state XXXX so if I ever did get a collection notice ( which, she stated, was impossible from XXXX because she looked, and I never had an account ) to disregard it, which is exactly what I 'm going to do. However, I would appreciate an explanation as to why this company is exploiting and butchering my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Convergent Resources, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Convergent ( which I assume is a debt collector ) they are trying to collect on someones XXXX Credit account, but its not mine. I do n't even have a XXXX account. The letter does not tell me much just that it 's a XXXX credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: LD Holdings Group, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I submitted a request for an FHA case number transfer from Loan Depot over to XXXX XXXX. Loan Depot then told XXXX XXXX that I did not want to move forward which was a lie and I feel that this company thinks they are to big to be wrong. I am just trying to refinance my home with XXXX and Loan Depot is not allowing this to happen after a number of requests.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Clear Debt Solutions, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This debt collector has gotten a list of employees at my job and calling them on their private phone numbers to tell them that he is trying to collect a debt from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: American First Finance, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Negligent, the dealer fraudulently signed contracts on my behalf to set payment dates. XXXX is the dealer and American first has done nothing to help me resolve this. I 'm taking XXXX parties to court for violating California XXXX consumer laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Upgrade, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I mailed Upgrade INC a certified letter via the USPS, which they received on XX/XX/2022. In the letter ( attached here ) I made Upgrade INC aware that I did NOT agree with the amount of the alleged debt being reported by them to consumer reporting agencies. I requested documentation showing where the debt originated, how the debt was calculated, and any other documentation that proved their claim is valid. My request is pursuant to 15 usc 1692g ( a ). I still have not received any response from Upgrade INC nor any of the documentation I requested to prove their claim is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I signed up for a Nordstrom card because the store would not give me the sale price unless i had the card. I never received the card but got a phone call in XXXX 2016 to make the payment. I agreed to pay, and provided my XXXX checking account information. I understood that Nordstrom will take the money from the account. But i receive a collection call in XXXX stating that i owed a balance of $ XXXX+ becuase of penalties for non-payment. The agent told me that they had only taken {$38.00} payment for XXXX account instead of the the full balance that they previously offered to take over 3 months XXXX each. I offered to pay the balance, but they would not waive any penalties. 

So now have XXXX % penalties on a small purchase of less than XXXX. I dont understand why Nordsrom can charge the penalties when they have my bank account to withdraw the payment each month. I guess they make more profit by threatening me to report to credit agencies .... which has not ruined by credit too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a car on Saturday, XXXX. I was pre-approved for a loan from USAA for a 48 month 2.5 % fixed rate auto loan. I went to the auto dealership, and they were able to offer me a 1.99 % fixed rate. I called USAA to see how to close out the loan I was pre-approved for, and to see if they could match or beat the dealer 's rate ( through XXXX XXXX XXXX ). The representative said since I had been in the XXXX, and I was a USAA member for 20+ years, he could give me a $ XXXX loan at 1.49 %. I was thrilled, and told the dealer I would n't use their financing. But when the representative from USAA told me the 5 year loan for $ XXXX would be almost {$500.00} a month that did n't seem right. After questioning the USAA representative he told me that there was a {$1200.00} origination fee for the car loan. This was not mentioned at the beginning of the process, and was far from transparent. That effectively added over 4 % to the interest rate, but was hidden as a fee. 
I 've been in banking for over 20 years, and knew enough to push back and ask questions. A brand new XXXX or a XXXX would not have known about the CFPB and what UDAP is. Perhaps USAA would have eventually clarified the fee and it 's impact to my loan. But hiding {$1200.00} on a $ XXXX loan is completely unacceptable. This materially changed the transaction, it was not disclosed, and it intentionally targeted military service members or former service members. I strongly believe this was an Unfair or Deceptive Act or Practice ( UDAP ). If this did not violate UDAP in the letter it definitely violated the spirit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery stated that i owe them {$620.00} for a XXXX XXXX card ending in XXXX, but on their verification letter the amount is {$620.00}, These amounts are different, and since they record their phone calls i would like them to share the conversation i had with them on XXXX/XXXX/15 at XXXX ( XXXX XXXX XXXX ) stating i owe {$620.00}, and how I have a letter from them stating i owe {$620.00}. I find this to be unlawful for them to collect the wrong amount. I demand that since their unlawful practices trying to collect more money than i actually owe that their reporting to all XXXX credit bureaus cease immediately. And any mention of Portfolio Recovery and Associates be removed from all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief