BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: Credit Plus Inc
State: NC
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 am trying to secure a home loan at XXXX XXXX XXXX in XXXX NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted 5 of the 5 accounts which are fraudulant accounts to have them closed or to inform 2 of the accounts that have balances, that they were not opened by myself. One of the organizations XXXX XXXX acknowledged the fraud activity when none of the information provided matched their information. The other organization XXXX XXXX XXXX has been highly uncoorperative. They have been contacted over 6 times since X/X/17 when the report was run. I can not speak to anyone higher in the corporation than a floor manager, who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on X/X/17, two more times with dates I did not document.On X/XX/17 I spoke to the floor supervisor XXXX who opened a case report and informed me that someone would contact me to further the case. No one called. OnXX/XX/XXXXI  spoke to XXXX who opened a case, took down my information and told me someone will call me. Noone called. On X/XX/17 I spoke to XXXX and XXXX who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a 30, 60 day late charge and reported to XXXX, XXXX, XXXX lowering my credit score. I was also informed that they are going to charge me a 90 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed XXXX to help in the battle. XXXX XXXX will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are XXXX XXXX XXXX and credit card division XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Credit Corp Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I joined a 12 week weight loss program for {$700.00} in 2009. Four weeks into the program, the company closed. XXXX XXXX wrote off acct, then sold it to XXXX, who began agressive collection. I paid/settled acct XX/XX/2012. About 6 months ago, I began getting calls from phone numbers with area codes from all over the country -- -all saying I owed over {$4600.00} and if I did not agree to a settlement and pay, I would be sued, arrested and could go to jail. I threatened to report the scam. It stopped for about 2 months, and has began again. Credit Solutions found my home & email address and is sending letters and threats over the internet. This company says they are collecting for XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: PHH Mortgage Services Corporation
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got behind on my mortgage payments. PHH Mortgage said I need to send in XXXX by XXXX XXXX, 2017 or my account would be sent for for closure. I sent my payment in by XXXX and mortgage company received it and was signed off by a XXXX XXXX. Mortgage company said they never received payment and account was put into foreclosure. Mortgage company sent my money back to me on XXXX XXXX. I 'm now having to pay {$2100.00} due to attorney fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: PHH Mortgage Services Corporation
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had this loan for several years ; originally from XXXX now PHH Mortgage. I have tried to prepay my loan as is allowed per my original loan and I have been denied. I receive salary payments every 2 weeks and established a direct deposit transaction every 2 weeks coinciding with my pay. I also pay additional funds towards the principal to again pay my loan down quicker. PHH refuses to apply my payment when they receive it rather wait until the payment is full to apply to the loan. I called them an asked them why they did n't apply it to my loan, they stated that their payment system does n't allow it I can select either paying twice a month or once a month or by phone/fax. Those are our options. As of XX/XX/2014 they have now quit applying the additional principal amount that I have been paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
American Express demands payment of {$230.00} for a {$96.00} charge made in XXXX 2016, plus late fees and interest. 

In XXXX 2016, I received a letter of apology from American Express stating that all charges had been cleared from the XXXX accounts in dispute, including the XXXX with the alleged outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH Mortgage XXXX auto drafted an additional {$300.00} over the cost of our mortgage payment and applied it to our principal interest monthly for 4 months, from XXXX 2015 until we placed with our bank, a block on all debits from them in XXXX 2015. PHH was faxed in writing the correct debit amount, called numerous times, notified that we no longer wanted Automatic Payment Drafting and continued to draft unauthorized funds and when notified applied them to principal interest of our mortgage without our consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: INTEGRAL RECOVERIES, INC.
State: CO
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:
I had a {$30.00} dollar failure to appear bench warrant issued in XXXX. I did not pay the fee, it was sent to Integral Recoveries. It is currently {$45.00}. This XXXX particular fee is stopping me from obtaining my driver 's license. I called the agency and tried numerous times to pay these fees. Each time that I call I am told that I owe fees from a XXXX case. I was told that I can not pay the {$45.00} fee until I set up a payment arrangement for the XXXX case. The fees associated with the XXXX case are approximately {$2000.00}. I have been fighting this company ( same person every time I call ), for months now. I ca n't find any serious job prospect 's without my license. Please help! Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am a first home buyer. I brought the house 2006. The mortgage lender falsely stated I made a higher income in order to qualify me for XXXX mortgages with rate 6 %. I could not keep the payment close to XXXX because I had XXXX. I asked them for a loan modification. I mailed my loan modification package to PHH mortgage. I called my case manager, she said she did n't received it. Instead my house is on foreclosure. As a first buyer, the Real Estate Agent should explain to me the risk to accept the XXXX mortgages plus the other bills to pay. I maintained my payment for 8 years each month never late. Before buying a house people should know about property taxes, home insurance, oil tank where is located etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: PHH Mortgage Services Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company changes my monthly payment without telling me! Although the principal and interest on my account does not change, the company also withholds escrow to pay insurance and property tax -- but they NEVER give me any warning when these amounts change. As a result, my loan amount ( which I pay by automatic deduction ) often goes into arrears. I then have to call the company -- but their customer service people always XXXX up getting the problem fixed. So I usually have to call them XXXX or 4 times to resolve the problem. And then several months later, the problem always returns. This has been going on for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: PHH Mortgage Services Corporation
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PHH Mortgage has called me multiple times a day for months. Most times, the line is quiet when I pick up, immediately followed by a disconnection sound ( an audible click ). They foreclosed on my property, and I requested a reinstatement amount from them ( I had to request this several times now, and still have n't received an amount ) through their lawyer. Today, PHH called me directly from the number listed on the complaint. They wanted to know what my intention was with the property. Since I have made several requests, even speaking directly with their lawyer, they already knew my intention. They provided me with no new information, and simply stated they would pass on a total to the lawyer. I believe this constitutes a breach of FDCPA ss. 806 ( 5 ) and ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: PHH Mortgage Services Corporation
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was mailed instructions on paying my mortgage off early. We decided to wire the money in an account that the mortgage company provided. Our bank follow the instructions and wired the money. Three days had pass and I check the balance on this loan. The money was n't posted to my account. So I call the mortgage company. Their call center is in the XXXX. They submitted a research on this wire and never call back. At first they say we enter the wrong account number on the wire. Our bank checked with XXXX XXXX they told us the wire was in the right account. They will not return the money, that PHH needs to pull the wire. This has been going on for over three weeks and the mortgage company will not talk to us or returns any phone calls. We keep getting the run around. Where did my money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had purchased a vacation on XX/XX/XXXX through XXXX using my XXXX credit card. The vacation was cancelled by Bookit.com on XX/XX/XXXX ; The trip was for XX/XX/XXXX - XX/XX/XXXX to go to XXXX, I used my Discover card to pay for my portion of the vacation with my partner. My discover was charged {$2000.00}. ( To note : my partner paid for his vacation & on a XXXX card, that received no refund due to XXXX being closed, and was disputed and resolved in his favor within 90 days, NO PROBLEM ) On XX/XX/XXXX, XXXX 's website stated that they were not in functional operation and UNABLE to process refunds. Shortly after, I submitted a dispute as SERVICES NOT RENDERED/RECEIVED on XX/XX/2020. 

Discover sided with XXXX.com on the original dispute stating that I had not submitted documents, although I spoke to a representative from their company that there was no need to submit additional documents. Discover has now received all documents supporting that XXXX cancelled the trip, was unable to process refunds, and I sent them the email that XXXX sent showing that I was due a refund. 

At this point, I have had the dispute escalated for supervisor review at least three times. I have waited over five days straight despite numerous calls for a supervisor to call me back, never received a call back from one. Additionally, in this process I was hung up on over or purposefully disconnected at least five times. On my last call, I went over line by line my terms of service with representative and she had no other explanation why I was not receiving my money other than that BookIt.com is a mutual client of them as well and essentially positioned that they were more in the business to protect that client over me and my cardholder terms of service. The company is being sued for this by the attorney general of Massachusetts. I have also submitted a police report in the county/township in which BookIt.com operates their business. 

I have requested all calls that I had with Discover to be sent to me, which is within my right and they still have yet to do so. Additionally, they said that the refund document was not clear in which where the refund was to go even though BookIt.com clearly states on their website that they are NOT able to issue refunds. After many tireless attempts, Discover is still essentially okay with defrauding their customers and not following their own terms and services as I signed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16
Company: Penn Credit Corporation
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Penn Credit starts  calling every day, never leaves a message but will call numerous times a day.   Previously they have asked for my father-in-law ( deceased since    2008  )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Conn's, Inc.
State: SC
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 opened an account wit h Conn 's h ome furnishing at the end of  XXXX   XXXX .   I made sure I understood all the details.   I borrowed approximately  XXXX  dollars.   I made the first payment due on  XXXX  at the inception of the contract.   My next payment was due on  XXXX .    Conn 's  has attempted to reclassify my payment, even though I made it clear when the payment was made it was for  XXXX   XXXX .   Next , Conn 's ha s claimed that they can report to the credit bureaus unrealized and unowed interest as money I borrowed.   They just reported me as 30 days late, to the credit bureaus even though I have made all my payments timely to this date.   They are rude, disrespectful, uo to management, and refuse to obey the law, the FCRA, and feel their policies are greater than the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Thaxton Investment Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My last payment was made  XXXX   XXXX . I am late on my  XXXX  and now my  XXXX  payment. I am not 60 days late yet.     They will not stop calling me and are also calling during work hours. They will not accept any payment arrangement unless I come in. They are an hour away. If I come in during their business hours I am going to hav e to drive and   XXXX   ( t his cost money ) and it will not make money magically appear in my hand to pay their bill.     I have tried to tell them I get paid on the  XXXX  and will pay the bill then and they will not accept that and are harassing me daily while at work. Again this is not even 60 days late and I am being harassed daily.

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 2016-12-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/XXXX I received an alert from XXXX advising that my information was being sold on the blackmarket. I also received notification of inquiries being made on my XXXX and Equifax reports. XXXX quickly added a Fraud alert and advised that they would notify the other credit reporting agencies and research the inquiry. They removed the inquiry within 2 days. I contacted Equifax and disputed the credit inquiry ( XXXX XXXX ) on that report. On XXXX XXXX, XXXX I received a letter from Equifax stating " The results are : Inquiries are a factual record of file access ''. 
In summary : I DO NOT believe Equifax investigated the inquiry on my credit report. I believe that I received a blanket response. I do not know or understand what my recourse is here. Equifax continues to allow inquiries of my credit information with out my consent. There have been several inquiries over the last six months. Also, I am attaching their response. On page XXXX ( Research Request form ) ... the address portion of the form is pre filled and has a previous address of : XXXX , TX XXXX. I have neither lived there, nor have any knowledge of that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
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: Information belongs to someone else

Complaint:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Progressive Management Systems provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: CCS Financial Services, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Like 3 year 's ago with  XXXX   XXXX . They said that I owe Credit Collection Services  XXXX  never ever had that much money in the bank ever.   I am on there list. Need my own checking account!   The address is  XXXX   XXXX   XXXX   XXXX , Ma  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX  Email is  XXXX  XXXX  XXXX  I read a lot on them they are bogus also. Found a lot of information on them from other web sites. From other people on it also!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Filing a complaint against Equifax for failing to respond to disputes/ method of validation request.      XXXX  Sent a letter requesting immediate removal of several accounts that are listed inaccurately/ I was unaware of.These accounts should not have been on my credit report as they were not accurate/ complete information. Most of them were even missing the company 's name. There were  six  accounts/ sets of accounts listed ( please see letter  XXXX   XXXX  Received a response from Equifax which  XXXX  isted all the accounts as " We verified that this item belong s to you  XXXX  Sent a letter to Equifax requesting method  of v erification as I completely disagree with the results they stated on  XXXX  **** Waited 15 days- no response****  XXXX  Sent a letter to follow up on my " method of verification letter ''. Requested that accounts were immediately deleted due to their inability to respond within permissable time frame.     To this date,  XXXX   XXXX ,   XXXX  , I still have not received any type of response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In a conversation with American Express, the representative threatened me that if I closed the account and re-opened it at a later date that it would " ding '' my credit score. I asked him to pause and asked if he was threatening me and he tried to change the subject. I do not believe that a company should threaten their customer 's like this. There are credit reporting agencies that make these determinations and it is impossible for an issuer to know how any one particular act may influence any consumer 's credit score. This seemed very obviously a veiled threat to not close the account.

Company response to consumer: Closed with explanation