BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is concerning a debt I found on my credit report last summer ( attached ). I tracked down this debt as a bill from a joint account before I filed and went through an ugly divorce XX/XX/XXXX. There are XXXX anomalies on my credit report concerning this debt. I attempted to resolve this debt XX/XX/XXXX when I started a debt management program with XXXX and was unable to locate the owner of this account. I have not received any written correspondence regarding this account save the return of the letters I 've written this year. ( I received almost no mail XX/XX/XXXX due to it being forwarded by the person XXXX I was divorcing ). I have tried calling this creditor at least four times last year - leaving messages that were ignored, and wrote letters on XXXX XXXX, XXXX XXXX, and XX/XX/XXXX trying to resolve discrepancies on my credit report regarding this debt. With each letter I included a check for the full amount beyond the discrepancies. Each of my letters and checks were returned without any response save an enclosed sheet with their address on it ( attached ). The XXXX discrepancies I need addressed are : * ( 6 monthly payments of {$94.00} from XX/XX/XXXX-XX/XX/XXXX not deducted from the balance principle. 
*A difference of {$340.00} between the amount claimed I owe you and the high balance of the card listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Emmett L. Goodman, Jr., LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone has the same name and birthdate as me- they are using my address to run up debt. Our social security numbers are not the same- the debt is not mine. I get calls all the time and now I received a settlement letter from Emmett L. Goodman Jr, LLC out of XXXX representing XXXX XXXX XXXX as assignee and purchaser of XXXX XXXX , XXXX and Co. When I try to dispute the information they claim name, address and birthdate are the same- it has to be mine- even though last XXXX of social are NOT the same. I do n't know how to fix this and the Goodman office wo n't do anything. If its not me- then this is harassment. I have great credit and have worked hard to keep it up- I am an upstanding citizen in my community and I find it very stressful- the calls and letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen has taken several payments and took over 3 months to refund them they take more than the payment due each month and then call multiple times telling me i am not current i have contacted managers and no response i have had over XXXX issues with this company and no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Please tell me all deposits with my name on it that was canceled or refused sent back or anything at Citizens Bank XXXX XXXX XXXX XXXX CT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX email XXXX XXXX Subpart B : Funds Transfers through Fedwire Section 210.25 Authority, purpose, and scope Subpart B sets forth rules governing funds transfers through Fedwire. This section provides that Reserve Banks issue circulars governing the details of its funds-transfer operations.

Sectio

n 210.26 Definitions Defines key terms used in subpart B. Section 210.27 Reliance on
identifying number States that a Reserve Bank may rely on the number in a payment order identifying the intermediary bank, the beneficiary 's bank, or the beneficiary.

Section 210.28 Agreement of sender Provides that a sender authorizes a Reserve Bank to obtain payment for the sender 's payment orders by debiting the sender 's account. Also describes procedures dealing with overdrafts.

Section 210.29 Agreement of receiving bank Provides that a receiving bank receives payment from a Reserve Bank for a payment order through a credit in its account with the Reserve Bank. Also describes some of the responsibilities of off-line banks that serve as intermediaries. 

Section 210.30 Payment orders Describes procedures for the handling of payment orders by Reserve Banks as they relate to the acceptance or rejection of payment orders, the selection of intermediary banks, and the timing of execution.

Section 210.31 Payment by a Federal Reserve Bank to a receiving bank or beneficiary Provides details regarding the timing of payments by Reserve Banks to receiving banks and beneficiaries.

Section 210.32 Federal Reserve Bank liability ; payment of interest Limits the liability of a Reserve Bank in handling a payment order. Also describes the procedures by which a Reserve Bank can pay interest as it relates to fund transfers under the Uniform Commercial Code.

Appendix A Commentary Appendix B Article 4A, Funds transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Cooper Hoffman Klein Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Cooper, Hoffman, Klein and Associates contacts me multiple times a day leaving threatening voicemails regarding debts and bank accounts I have never had and do not owe on. Every call that is made, a different case number is given. When I contacted the company, I was threatened with legal action and prison if I did not pay although the representative threatening me can not supply any evidence of a debt owed. When asked for address to come to the company to discuss, I am given the run around. Representatives of this company have contacted me falsifying themselves as actual XXXX XXXX Process Servers stating that they are employed by the XXXX XXXX Police Department. Each time this company calls, it is under a different phone number with a different representative, with a different case number regarding a variance of criminal offenses that I have not committed. This company has threatened to garnish my wages, sue me, come to my home, and have me sent to prison. All searches for this company only show as being a fraudulent company attempting to squander money from innocent people where it is not due. Cooper, Hoffman, Klein, and Associates do not have a website. They are not affiliated with XXXX. They are a complete scam and do not stop harassment at any cost.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Quick Debt Services LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I received a letter from the Assigned Department Document Service Center stating that they could help me consolidate my student loans. I called them and gave them my personal information in order to see what options were available to me. I spoke with XXXX XXXX. She offered me many options and then requested that there would be a fee associated with consolidating my loans. I gave her my personal checking account info but towards the end of the call felt very uneasy and asked to cancel the entire transaction. She got very angry with me and did not want to talk to me anymore. I asked her to send me an email stating that nothing would be processed and she was very reluctant to do so. I am worried that my information may have been compromised. I called them back and they said that as long as I did not go through the " compliance department '' then nothing would be processed and everything would be cleared in 24 hours. I am very uneasy about this and I am afraid they may charge me anyway. I have already called my bank to put a hold on my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been dealing with this collection agency, they have called my house five times a day. They have not properly validated the debt, and have not provided proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I reached out to my credit card company, Citibank, for an issue in regards to a service I received. The issue was around dental service, the service was done inefficiently. I have documentation to support I had to get the tooth retreated because of the improper treatment of the tooth. I contacted the bank to show I had to have the surgery to retreat the tooth and highlighted the issues. They informed me since it was 60 days after the issue I could not do anything. I think this is unjust, because this is a dental issue, 60 days is not efficient for this sort of issue. If this was a product, but a dental issue is a different thing. This is an issue, I am sure numerous people have issues similar, Citibank needs to better in addressing these issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been given no reasonable options to pay. I am a father of XXXX and my wife has XXXX, I am strong to make ends meet ... let alone pay {$700.00} plus a month on student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding a dispute but rather AMEX 's responsibility for the charges. 
We were told during the transactions ( we called the AMEX representative and made the transactions over the phone ) that there would be no foreign transaction fees. XXXX XXXX of the chairman 's office said these fees would be removed as the AMEX mistakenly told us there would be no fees. XXXX told us they would be removed nearly a month ago and that has not occurred ). We ask that the entire charges be removed but if AMEX is n't willing to correct the larger error of the entire charge resulting from their miscommunication then at least remove the charges that you agreed to. 
I expect answers to be provided through this system and not via separate mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I had a credit card debt of XXXX. I went through a difficult financial period, losing my job and almost losing a home, because of hurricane damage. I was displaced for a period of time. I tried to negotiate a payment that I could afford and was unsuccessful. Midland credit bought my account. It is now well over {$18000.00}. I have to make $ XXXX/month payments, which I can not afford. I am the head of household with XXXX children to support. I live on my own and now have suffered mechanical failure of my vehicle. As a result of this account with XXXX, I have difficulty being approved for a loan. I can not buy a home with bad credit. My rent keeps going up every year and it is difficult for me to make ends meet. I am divorced and receive only XXXX/month for child support.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: TRANSWORLD SYSTEMS INC
State: MD
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:
My wife rented a car from XXXX. A tire blew out and the car had to be towed. To our shock, we both saw the car with the flat, more than 14 days later, XXXX produced pictures of damaging they say totaled more than {$3000.00}. We demanded pictures and proof from the next day. Never produced. We demanded our insurance company call " bull '' on the attempt to fleece them and ultimately damage us with a higher insurance premium. XXXX XXXX did not, to our chagrin, and paid all but the deductible of {$250.00}. We have paid it to avoid a report on the credit bureau since a bill collector is chasing us now. 

I am a XXXX ( XXXX ). I see true value in your mission based on these continuing attempts and successes of businesses candidly XXXX consumers unfairly and without conscience. In particular, we have heard too many stories of car rental companies fleecing thousands of dollars from its clients. Enough is enough. 

Thanks for viewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a notice from XXXX that a new account has been added. A company called transworld systems has put a XXXX debt on my credit. I 've never heard of them. I called them and informed them the debt was not mine. This company has NEVER contacted me in any way. On my report it says this account was opened in XXXX 2016. The listed creditor is not on my credit report anywhere. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
THERE WAS A FRAUDULENT PURCHASE MADE ON MY MACY 'S STORE CARD XX/XX/2015. CALLED COMPANY, INVESTIGATION WAS MADE AND THE FEES WERE SUPPOSED TO BE REMOVED, TOTALING A BALANCE OF {$0.00}. I REQUESTED CLOSURE OF THE ACCOUNT IN XXXX 2015. 

MY FIRST PHONE CALL TO THE COMPANY WAS IN XX/XX/XXXX, TO CLOSE THE ACCOUNT AND START AN INVESTIGATION. THEN I CALLED IN XX/XX/XXXX, BECAUSE THE REQUEST IN XX/XX/XXXX WAS NEVER DONE. TRIED AGAIN IN XX/XX/XXXX, TO FIND OUT THAT MY OLD ACCOUNT WAS CLOSED AND MACY 'S SIGNED ME UP FOR A NEW ACCOUNT. AND MY LAST CALL WAS IN XX/XX/XXXX, WAS NOTIFIED THAT MY NEW ACCOUNT WAS ACCRUING THE LATE FEES FROM THE OLD FRAUDULENT ACCOUNT. I SENT THE COMPANY XXXX EMAILS, WITH NO RESPONSE. AND I AM STILL RECEIVING EMAILS THAT I NEED TO MAKE PAYMENTS ON THE NEW ACCOUNT, THAT I ASKED THEM TO CLOSE IN XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14
Company: Payment Resolution Services
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Payment Resolution Services ( PRS ) has repeatedly attempted to collect a debt which was in error to begin with. Please see attached letter I sent to PRS which was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Paypal Holdings, Inc
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XX/XX/XXXX I made a purchase for about {$300.00} using PayPal account I had for a few years. A year before that I cancelled by phone the PayLater account I also used with PayPal previously because I did n't want the automatic PayPal charges to that account that started to happen. At that time, on the website I also made sure that my PayPal account is linked with a bank checking account and XXXX of my credit cards that I wanted to use as paying sources. It stated in PayPal instructions that linked accounts are used by default. I use PayPal infrequently but for a few purchases after that I verified that charges were indeed correctly billed on my indicated personal credit card. The purchases in XX/XX/XXXX, however, were charged to a " PayPal Credit '' which I did n't know about and never signed for. I only learned that from PayPal email that stated I owed PayPal Credit {$50.00} in interest. I made several calls to PayPal explaining how I was ignorant of this change in my account, did n't authorize it, and counted on this large purchase to be payed off from my linked personal credit card so I obtained the miles and other advantages. I asked to be allowed to pay this debt to PayPal using my credit card but this was refused by the technician and his supervisor because, I was told, PayPal Credit accepts bank checks only. If I do n't pay as directed, my credit rating will suffer, I was told. I asked that the PayPal Credit card ( with a credit of {$2000.00} ) be immediately closed. PayPal complied with this but will not let me pay off the debt with my linked credit card and has now charged {$100.00} in interest. I would like to know how to proceed with PayPal regarding such ruthless disregard of a costumer and their unauthorized pushing of an unwanted credit card. Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-26
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with Ocwen and in 2013 they approved a short sale and it was complete XX/XX/2013. They are still reporting the whole balance and it should have been XXXX once the short sale was complete. It has affected all my financing since 2013 due to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Delinquent account

Complaint:
Citibank charged me a {$450.00} fee for an annual fee. I sent a note to cancel the account via mail response. I was still contacted about owing the fee in XX/XX/2016. I cancelled the account at that time and was told the fee was removed. The credit card fee offers airport lounge access that I utilized for the initial {$450.00} fee but chose not to utilize again in 2016. I have not used the lounge access again in XX/XX/2016 since XX/XX/XXXX. And then I was told in XX/XX/XXXX that there would be no issue cancelling the charge due to lack of usage and desire not to move forward with the card. However, I was contacted this week numerous times by Citibank to be told that I still owe the full {$450.00} fee even though the card was cancelled only XXXX months after the charge was filed and Citibank originally told me the fee would be waived due to lack of usage and desire to utilize their service.

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 2015-06-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Loan Servicing company has failed to process sevral items such as receiving hazard insurance documents, processing payments even after confirming that ACH program was set up, and errors shown on escrow account. Customer service was unable to assist with problem after spending hours on the phone. There has not been a single thing that has not had an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
i called and made a {$1600.00} payment on my best buy credit card and the representative misrepresented the terms of the payment. I told the rep i would be calling back to pay the account off in a few months the rep told me i should n't have a payment for a few months because i had paid such a large amount. The {$1600.00} dollar payment was made on XX/XX/2015, i called on XX/XX/XXXX to make a payment only to find out that my account was past due by almost XXXX days since the big payment was made in XX/XX/XXXX. This is a huge issue because I 'm in the process of buying a home and i am XXXX days out from closing on it the main reason why i paid such a large amount on the account is because it was suggested to help with my credit score now i have a 30 day passed due. I would not have ignored a XXXX $ bill after paying such a large amount. I have made several attempts to explain the situation and get it rectified through BestBuy the creditor with no progress made. This is costing me a great financial hardship I 'm in the process of loosing XXXX in ernest money and potentially the home purchase all together. Account number is as follows XXXX it is handled through a Citi Bank. What i would like is a deletion from my credit or removed all together if possible.

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