BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-02
Company: M&T BANK CORPORATION
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I provided a sign on bonus for employment and was told that leaving within a year I have to pay it back depending on when, my offer letter did not state anything about paying the bonus back in full. I left the company after 9 months because the culture and organization is terrible. During my exit no one even mentioned anything about the signing bonus being repaid. I then received a letter from the M & T Bank collections group demanding that I pay the amount back and when I called, XXXX XXXX who I spoke to, was rude and not willingly to negotiate, which I was willing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Statewide Credit Asscoiation Inc. is calling my workplace. Also called twice within XXXX minutes. This is not acceptable. XXXX was reps name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We took out a loan from Ashley Furniture for the purchase of a couch. The loan was supposed to be zero percent for 24 months. Now we were told by the bank that because we did not pay off the loan within the 24 months, they are accruing all of the interest, at 30 % for the 24 months. To make matters worse, the bank stop sending us statements back in XXXX 2015. Since the loan is on automatic payments, we did not notice the missing statement.

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 2015-08-13
Company: JP RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I sent a cease and desist letter to a medical debt collection agency for bills for my recently deceased husband which I ca n't afford to pay. A certified mail receipt payment was made and I never got a receipt back. Now I get 2 robo collection calls a day 4 days out of the week. I want the calls to stop.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2015-11-30
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Good afternoon, I am wanting to write in regard to a situation that I feel was professionally wrong. I communicated with a collection agency Hunter Warfield on a debt that I owed to them. I set up to where I settled for a disclosed figure and was told by the employee ( XXXX XXXX ) that it would be taken off my credit within 24hrs of final payment. well I called and tried to figure out how to go about making sure that this was taking off my credit as I had already been able to go and print out the receipt of payment where it states that the collection had been XXXX out and settled in full. Upon trying to do so I spoke with another employee who submitted a manual notification stating that it had been settled as well to the credit company and provided me with the AUD Update Control Number to provide to the credit company as well. Upon contacting the credit company I was informed that it was going to be up to the collection company as to whether or not they remove it off my credit. I called Hunter Warfield back and was transferred to a lady by the name of XXXX XXXX who did n't seem to want to try and hear me out at all and started out by cutting me off and stating that she did n't care what some credit company had told me that she had the say so on whether or not it be removed. XXXX XXXX also went on to inform me that if I did n't be quiet and listen to what she had to say that I was n't definitely going to have anything moved off of my credit. I tried explaining to her that an employee of Hunter Warfield had told me that the debt would taking off my credit once the debt was paid in full. XXXX XXXX informed me that she was n't going to take it off and that it would stay on there for another year and half because I waited for so long to try and pay. she completely disregarded me for a customer and overlooked the fact that I was trying to inform her that I have a XXXX month old and a XXXXmonth old who I am trying to provide housing for and that I was n't able to due that as long as that was still showing up on my credit and so now here still my children and my wife are having to stay with a family member on their couch because she refused to take the collection off my credit and was nasty as all get out with it. I also informed her that I was recording the call as I do with all important calls and she then tried changing her story but it was to late by then. I tried calling back and she has not returned my call or anything to try and get this resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I demand an audit of the XXXX loan modification prepared by XXXX XXXX and transferred to Ocwen. 
I demand an audit of the application of funds of the {$82000.00} made to the field adjustment added to the modification and from where the {$80000.00} extinguishment in XXXX was takenAlso want to know why there were XXXX previously released liens released again in XXXX XXXX and why Ocwen presented a XXXX mortgage as proof of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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:
This is the second complaint submitted towards XXXX XXXX XXXX. 
The creditor continues to report erroneous information on my credit file, reflecting late payments after the loan has been paid off and the account is closed. My account was paid off in XX/XX/XXXX. My credit file reflects late payments in XXXX and XXXX. 
After several attempts to verify and update the information correctly, this creditor continues to confirm the incorrect information as being valid and violating my Consumer Rights under the FCRA to have accurate information reporting to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my free credit report online. I was unable to do so. I fear someone is using my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan servicing refused to accept my mortgage payments via XXXX XXXX and over the phone. They said it was 3 months late and I must pay all that is due to prevent foreclosure. The problem is that I was not yet 3 months behind. I was 2.5 months behind. I told the agent this and I was told by him that he can not accept my payment. It seems like they just want to foreclose on my house. They 're crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
To whom It May Concern, I am writing in hopes of some assistance in a matter that has caused much stress and anguish in my life as of recently. About 3 months ago I began the process to refinance my current mortgage. My current mortgage servicer to be paid off is Ocwen.They have been an absolute nightmare to work with, which can be viewed by my previous complaints to the CFPB. 

Now I write in hopes the CFPB can help me with a similar issue. The reason that I was not able to refinance was that Ocwen lied to me. When my new lender attempted to payoff Ocwen to complete my refinance, they were notified by Ocwen that because I had a modification done, I had agreed to over {$40000.00} in what they called a Shared Appreciation. First Ocwen said they would waive the Shared Appreciation, then after sending us XXXX payoffs without the Shared Appreciation ( on XXXX/XXXX/2015 and XXXX/XXXX/2015 ), they decided they now will not waive the Shared Appreciation and leaving me with an unqualified mortgage based on the value of my home. That was a nightmare in itself spending hours on the phone with a call center in XXXX that really did n't comprehend how they could make such a colossal mistake and play with my emotions so dramatically. 

Aside form my refinance not going through, now I am absolutely shocked that I have a {$40000.00} Shared Appreciation amount that I owe Ocwen that I never agreed to when I modified my loan. The modification paperwork is extremely confusing and the person who was helping me said to just sign it, they did n't explain and because of the situation I was in, I simply signed. ( situation is recession hit, my income form my job was cut by XXXX %, I had to file for bankruptcy, and my wife was going through health issues ) Now years later that decision is haunting me. They forced me to sign some papers to avoid foreclosure but instead have put me in a horrible situation. Had I known that {$40000.00} was secretly owed by me, I would have not agreed to that modification. I wish for the CFPB to investigate the terms of my refinance as unfair and help me to get the Shared Appreciation waived by Ocwen. ( as they originally agreed to numerous times over the phone and on paper XXXX/XXXX/2015 and XXXX/XXXX/2015 only to change their mind after I wasted so much time, energy, and money into my refinance. ) Please CFPB consider investigating the tactics used tomato me agree to an unfavorable modification and help me to finish my refinance so I can move on with peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Thank you for taking the time to review my inquiry. I am an Ocwen customer who suffered damages as a result of XXXX XXXX. My insurance co had mailed me a XXXX party check for repairs of my home. I sent the check to Ocwen, they endorsed it and mailed it back to me. I endorsed the check and deposited it in my personal bank account. I used the funds to pay my contractors as I was supposed to do. In XXXX of 2014 I attempted to make my regular monthly mortgage pymt and was not allowed to as I had been charged XXXX in " fees '' on top of my payment and was not able to make a partial pymt, The " fees '' they are referring to is the XXXX in insurance money that was never due to them, nor will it ever be due to them. I have complained multiple times and have reached out to Ocwen customer service and their research dept but have gotten nowhere. In an effort to save my home I applied for a modification which was recently approved however they still have not removed the XXXX in " fees '' and as such my payment has gone up considerably. While I am grateful for the modification offer, I can not accept it until the " fees '' are removed. I have contacted the XXXX for assistance with dealing with Ocwen as they do not operate in the XXXX and I was given this agency 's information for assistance. 

I thank you for your time and attention to this matter and look forward to working with you to resolve my mortgage issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Ocwen Financial Corporation
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. We were misled to believe that when making Biweekly payments the money we paid early would apply to principal, thus lowering our balance sooner due to the compounded effect of paying principal early. Instead, Ocwen simply pocketed the early payments and did not apply them to anything, using our money for free. 

2. We asked to cancel our Escrow account because OCWEN raised our payment to escrow when we did not have any change in taxes or insurance, and would not explan why they kept increasing the escrow payment. Ocwen responded that our loan to value was not high enough ( 75 % or less LTV ) they used the purchase price of our home that we paid in 2008 in the worst time in the market. We called their consumer ombudsperson and asked if there was a way to recalculate the value of the home based on the many repairs we have done, and the market improvement since then. They have not responded.

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

Complaint:
I am a single parent and have filed a request for modification of my mortgage with the mortgage company, OCWEN Loan Servicing. Their call centers and their staff seem to be in XXXX and for the past 4 months they have stalled the processing of my modification, and keep reporting my loan as delinquent. I have tried to work with them and have provided every bit of information they 've asked for and yet their paper-pushing games seem to have no end. On the other hand, they keep flooding me with notices of foreclosure and threats of taking my home which have caused me great XXXX and XXXX. I am a single parent and can not lose my home, but this mortgage company that has had countless complaints and lawsuits against it does not seem to be concerned. I have asked to speak to their representatives in the United States ( as I was told it is my right to do so ) but they refuse to accommodate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: ARC Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
over a year ago i was apparently in the hospital. i was supposed to be covered by insurance, the hospital never told me about any payment nor did they attempt to contact me. i now have a payment in collections and am unable to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: SIMM Associates, Inc.
State: PA
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:
I received a call on XXXX/XXXX/XXXX from a private number advising that I had missed a court date & needed to call XXXX. I called and was advised by XXXX at XXXX that they were going to have a cop come to my work, have me arrested, & have my wages garnished. I said that he had to have a court judgement to garnish my wages. He said that no he did n't. He would get my employer to sign a paper showing what I made then they would file at the court house to have my wages garnished without any kind of court case. He requested a " payment '' of {$1200.00} to settle an account that was paid off to the original creditor in XXXX. I asked for a mailed copy showing what I owed and was told they do n't do that. Yet at the beginning of the call he advised that a " certified '' letter was sent. I checked with the local post office and they have n't had anything that required a signature for my address in XXXX. I did not make payment as I request proof the debt is owed. After I hung up I called my attorney 's office and was advised that this company was a scam. My attorney also advised that in my state, my wages can not be garnished for anything but an IRS Lien or defaulted student loans. Also I checked in my state and did not show where there was ever a civil suit for me. I also checked with the county, and they did not have a missed court date for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
They are saying I owe a XXXX phone bill which they said that they were going to take care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit corporation is attempting to extort money from me because I am a XXXX XXXX living on a fixed income. The original creditor, XXXX, charged me for services that were never performed. The XXXX XXXX Jail paid the original creditor in full. The original creditor then billed my medicare insurance for services that were not received. Medicare paid the XXXX for the non existence services. This was Medicare fraud. Now the original creditor has turned the collection over to the Credit Control Corporation who is harassing me for {$2000.00}. I did n't sign any paperwork for medical services. Credit control corporation is conspiring with the original creditor to defraud and extort money from me.There is no proof that I owe any money because I did n't sign anything. XXXX. XXXX do n't pay hospital bills, The XXXX Sheriffs Office pays all XXXX medical bills. Collecting money from my Medicare insurance is a felony. Putting negative info on my credit report is extortion. I never received any medical care. I refused treatment. The bill was paid by the XXXX Sheriffs office and Medicare.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: PENTAGON FEDERAL CREDIT UNION
State: MO
Product: Credit card
Issue: Credit determination

Complaint:
It appears my ex husband opened a credit card with my name on it without my knowledge. The card was opened on XX/XX/XXXX. It states clearly under where I would sign that I was not available due to I was XXXX. I was never XXXX. Also, my date of birth is wrong on the application. This credit card is showing up on my credit report. He continued to use the card after we were divorced on XX/XX/XXXX maxing the card out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-15
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I purchased a house XX/XX/XXXX, in XXXX, Georgia. Property address is XXXX XXXX XXXX, Georgia. At the time I purchased the property, I received a XXXX loan with XXXX XXXX XXXX. The 80 % was a conventional loan and the 20 % was an unattached note on the account. The property went into foreclosure and was sold in XX/XX/XXXX. The 80 % was satisfied, however the 20 % part of the loan was not. The XXXX part of the loan was sold to a debt collector which is known as Real Time Resolution. The debt collector, Real Time resolution has been reporting this as a late mortgage payment every month on my credit, when I no longer own the property, instead of an account in collection. Since the creditor has been reporting this as a late mortgage payment every month, it has really affected my credit. I have reached out to the creditor directly and also disputed on my credit report, and the creditor refuses to make the necessary corrections. This is an unfair and deceptive way of reporting a debt as a mortgage debt instead of an collection, when the creditor bought the debt and is clearly identifying themselves as a debt collector. I need for the creditor to correct my credit reporting information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: JPMORGAN CHASE & CO.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
JP Morgan Chase bank reordered my transactions to come out from largest to smallest to increase my overdraft charges from XXXX to several. After talking to my bank about it I was informed by them that there were no corrective actions that they could take on the matter. I believe this practice to be unnecessarily financially detrimental and did read several articles about how the CFPB was looking into this practice and wanted to know if anything can be done about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XX/XX/2015, I received financing for the purchase of a used vehicle yet to be determined. XXXX XXXX XXXX XXXX ran my credit with my authorization and gave me the go ahead to find a car and they would finance it. I went to XXXX dealers and they both said they would not run my credit unless it was a soft inquiry and it would n't show up on my credit report. I then received XXXX new inquiries on my transuion and XXXX reports, which just showed up when i ran my XXXX report.

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