BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed a collection account through XXXX XXXX in XXXX that I found on my credit report that was not mine. The original creditor was XXXX XXXX XXXX account name was XXXX XXXX XXXX in the amount of {$660.00}. The investigation was completed on XXXX XXXX stating that XXXX and Equifax had removed the collection account from my credit file. I look at my credit report today and it is back on with a different creditor name XXXX XXXX XXXX with account name of XXXX XXXX XXXX. I contacted this company and they said it was sold to them on XXXX XXXX after it had already been removed from my collection report with the other investigation. I told them I do n't know anything about this account and that it was already disputed and removed from my credit report and they told me the debt was valid. It is also now back on the Equifax report under XXXX XXXX XXXX for the same account showing opened XXXX XXXX. I was also never notified by either XXXX or Equifax that this was on my report again nor from any creditor the only way I saw this was due to me going back on XXXX XXXX and seeing it today, XXXX XXXX, 2016. It was not on my credit report from XXXX through XXXX as it was removed. It is also now showing up as XXXX different creditor names.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Netspend Corporation
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
Was overcharged for a hotel stay on XX/XX/XXXX and have asked for the overcharge of XXXX be credited back to my account. I have provided documentation proving that there was an overcharge and have gone back and forth with Netspend Dispute Resolution Dept for months now without any response or correction of said charges ( see attached information for details ) I am looking for resolution for CLAIM # XXXX - that I have sent numerous requests dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I get the textbook response that I would be contacted within two business days regarding this claim ... and have yet to hear back from NetSpend regarding this issue..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Conn's, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a couple of items through Conns Home Plus and since has been a nightmare. I fell behind midway through the loan and had contacted them for additional help which they refused. After they refused on an average I have been getting 7 to 8 calls a day including weekends and many are hang ups. When I do take the calls they continue to harass me, belittle me, interrogate me, and refused to work with me until recently. Last week around XXXX/XXXX/16 they contacted me and offered to defer payments toward the end of my contract if I paid {$180.00} which I did. Each day since I get multiple calls claiming that I still owe and that their rep was mistaken and should not have offered such a deal. I asked them to listen to recording as they said they have on file but instead they are calling me a liar, and continued to try and push me. I eventually terminated the call. I know of several people that have experienced the same treatment and enough is enough. I am XXXX, not sleeping, not eating, and feel sick to my stomach over it all. What does a company feel that they need to mislead consumers into paying additional money that I said I did n't have and get away with not honoring the agreement once they take my money? I am aware that I owe the money and have spoken with them several times and apologized and explained that they would get their money and I still get this outrageous, unprofessional, unethical treatment. They tell me that they will report this information to the credit reporting agencies if I do not continue the plan even after they refuse to honor my restructure that they offered. They also are charging additional fees on payments which was not explained of agreed too. If you listen to recording of my calls you will see that I have been professional, willing to pay, and appreciative of the products. I have guaranteed payment and explained that it would get paid once I receive my funds. Instead, they pushed me into paying more than what I could afford on a deal they structured then failed to honor their own plan. Why will my credit be affected when they failed to honor what we all agreed. Please have them provide you with copies of my calls and listen for yourself. I would start with XXXX/XXXX/16 through today. I have contacted an attorney locally and he said to start with you. Please help me resolve this matter and put a stop to the madness. I am begging you to help me stop them from further harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26
Company: EMBRACE HOME LOANS
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Im waiting on approval for the sale of my current home while, I 'm packed up, have utilities already transferred, already spent {$3500.00} in repairs to this home, the buyer had been approved twice and it 's stuck in underwriting. I 'm without cable, been eating out since everything is boxed and my life is upside down. I 've even changed my address. The owners of the home I 'm purchasing are also waiting for this to be resolved. They keep asking for documentation from 2006, now it 's being held up for an addmendment on a child support agreement. His lawyer confirmed its legal. His ex-wife even Confirmed the agreement. Everytime they ask for a piece of documentation they get 48-72 hours to review to give a final decision. Our closing should have happened on XXXX XXXX, movers had to be rescheduled over and over, re-scheduled vacation, dog boarding and other plans had the be halted. There 's no protection for home buyers or sellers. An approval letter should mean approved but that letter, nor the XXXX approval means anything. Underwriters are putting families at risk, holding up our lives, affecting are health by stress that is not nessesary. Why should n't they have to do this work up front? There 's got to be some type of law that protects families from Going through this chaos, of waiting and waiting. I feel its neglect, and home buyers and sellers suffer because of the process that underwriters are given to undertake. They are neglecting time frames, questioning documentation that they are not trained to question. I can tell you if you dig deep enough you will find bad in everyone. No one is perfect and the digging and investigation has to stop somewhere. It 's as if the Mortgage Industry, IRS, and the FBI have merged together to create a process that does n't work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-12
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed an auto loan with Santander Consumer USA. I have made my payments ahead of schedule and I have never been late on a payment. They are stating the interest is accruing on a daily basis since the last payment was made even if the payment was early. I have paid so much in interest to the company and hardly any of it was applied to the principle. I am currently locked out of my online account with Santander because I complained to them about the payments being misapplied. I am in fear they will repossess the car even though my account is current. This company needs to be shut down immediately. There are numerous complaints on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
OpenAccount # XXXX $ XXXXBalanceXXXX XXXX PLUS XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNotethis should have been removed a long time ago and yet it is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I reported a public record inaccuracy to Equifax and XXXX via XXXX XXXX. This item is a judgement that has inaccurate information. XXXX removed this item from my credit report due to not being able to verify accuracy. Equifax marked this item as " satisfied '' which is still inaccurate and refuses to provide me any information as to how this was verified per the FCRA 611 ( 15 U.S.C. 1681I ) that states that this information must be given to me or verified. They refuse to address the inaccuracies with me and refuse to resolve the issue. This judgement has never been executed by the courts or by the creditor and the original creditor has not provided any of this information to Equifax. Equifax used a third party to gain this information and refuses to verify the validity and inaccuracies to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: PHH Mortgage Services Corporation
State: AA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer, PHH corporation, has failed to apply my mortgage payments properly. Specifically, when I make additional principal pre-payments, PHH assumes that a portion of my principal payments will be held for future mortgage payments. I can provide evidence of their distribution of my payments through attachments ( screenshots ). When I contacted PHH to fix the problem I was promised resolution by a foreign call center employee. The resolution of principal payment was scheduled to take place 10 business days after my request. XXXX days after my request PHH had not resolved my payment issue. Bottom line- PHH is holding large principal pre-payments as " future payments ''. Of course, this practice favors PHH as borrowers essentially provide PHH with a free loan instead of paying down their mortgage principal. Failure to resolve this business practice reduces " borrower morale '' and enhances the risk of default for borrowers that feel helpless. Given the reluctance of PHH to change this practice, borrowers probably feel that this process is a systematic attempt to keep people in debt for the full life of the mortgage. In this sense, PHH does not impose a pre-payment penalty, but deters pre-payment attempts through their business practices. 

Forensics : I have attached screenshots of my account activity with PHH. My normal mortgage payment is attached ( {$1100.00} ). On XX/XX/2015 I made a payment in the amount of XXXX ( see attached ). Minus my mortgage payment due XX/XX/2015, PHH should have posted an additional pre-payment to principal of {$3100.00}. Instead PHH posted an additional principal payment of {$2000.00}, paid the XXXX payment of {$1100.00}, and held onto an additional {$1100.00} for my XX/XX/2015 payment. In this scenario PHH assumes that I would rather provide them with with a no-interest loan than pay my mortgage down early. The XXXX 2015 payment that was held for " safe keeping '' was intended for principal pre-payment, not a free money loan to PHH. PHH has failed to rectify the error after I notified them of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern : Loan # XXXX and equity # XXXXOcwen illegally try to extort money from me using " legal '' ways! 
I just received from them a " Pre foreclosure '' notice package. 
Their XXXX located managers never clear explain their " math '', how they figured out astronomical " late fees '', they just pressure on me to pay. It is strange, that since XX/XX/XXXX till XX/XX/XXXX they just collected " late fee charges '' and never try to make a real foreclosure! It looks like a scam! 
I request to remove all unfair " late fee charges '' Ocwen collected for almost XXXX years, because : My previous mortgage company GMAC was sold to Ocwen at XX/XX/XXXX. Included are a copies of my payments to GMAC. They show, that I paid AHEAD for any coming month, so, GMAC never charged me with late fees, it is a hard proof, that I always paid AHEAD for coming month, at time, with XXXX days each month period without interruption! No any " late fee charges '' shown on GMAC statements. At the time my GMAC account was sold to Ocwen account, I still continue make mortgage payments of {$1000.00} the same way I did to GMAC in XXXX days each month pay period, it is showing on my bank statements. My very last payment to GMAC for XX/XX/XXXX was completed the same way, ahead, on XX/XX/XXXX. Attached is a copy of my bank statement at this particular date, showing payments. My first payment to Ocwen was completed by XX/XX/XXXX also ahead for XX/XX/XXXX ( in XXXX days of each month period ). So, there is no interruptions with payments. 
Each following month I did payments at time, ahead, except for XX/XX/XXXX and XX/XX/XXXX, because there was dispute with Ocwen. 
XX/XX/XXXX I did not pay for XX/XX/XXXX and XX/XX/XXXX I did not pay for XX/XX/XXXX, I missed those XXXX payments for XX/XX/XXXX and XX/XX/XXXX because of dispute with Ocwen. 
XX/XX/XXXX I did two payments for missing XXXX month and did third one mortgage payment for coming XX/XX/XXXX month with included " late fee charges '', so, instead of {$1000.00} I paid {$1100.00} to cover " late fees for missed XXXX month ''. The next payments in XX/XX/XXXX were done also ahead for coming XX/XX/XXXX months XX/XX/XXXX At XX/XX/XXXX I did mortgage payment for XX/XX/XXXX ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern XX/XX/XXXX Dear Sir/Ma'am, I have been trying with no success in endeavoring to obtain a loan modification since XX/XX/XXXX. I am in the XXXX ( I am a XXXX ) and thus, am very knowledgeable on what a successful loan modification submission should entail. That said I have now definitively learned that no matter what my financial where wherewithal is ( and it is very, very solid currently- I can easily make my full payments even if no modification is offered ) I now learn that OCWEN , through their investor, XXXX XXXX `` does not have the contractual authority to modify ( my ) loan because of limitations in our servicing agreement. '' It is worth noting that such disclosure relative to XXXX XXXX 's lack of loan modification participation was not disclosed to me prior my purchase XX/XX/XXXX, a clear RESPA violation XXXX nor was this non-participation disclosed to me during the over XXXX loan modification submissions I have submitted since XX/XX/XXXX. It is also worth noting that XXXX XXXX has retained this loan since the time of inception- it was not sold to any other third party nor has it been serviced by any other lender than XXXX XXXX XXXX XXXX . In addition I 've tried everything to get this mortgage company to help me keep my home. which they informed me they are retaining, and also that they are moving forward with the foreclosure sale. 
They humiliated me and compelled me to reveal all of my financial dealings, knowing full well that at the end of the day, what I was seeking was impossible. So they take my money, they take the Obama money, and bulldoze my rights. If it was impossible for me to EVER obtain a loan modification, why act like it was feasible. It is and was cruel on their part, time consuming, and conduct one would not tolerate from a XXXX year old, much less a fortune XXXX firm. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Northern Trust Company, The
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Subject : XXXX XXXX XXXX am the beneficiary of a trust an aunt established at the XXXX Florida. I received notice from the bank that " tax preparation and filingfees will increase to {$900.00} for the XXXX XXXX hours and {$300.00} for each additionalhour required. Most irrevocable trusts on extension will require more than XXXXhours. '' This caused me to review income versus fees for the past years. Thetax preparation fee for the past XXXX years has been {$320.00} ( my share ) per year. 
For XXXX 2013, I had income of {$5700.00}, while XXXX collected {$170.00} for a '' Investment Solutions fee '' each from Income Cash and Principal Cash, and $ XXXXXXXXfor " Account Mgmt Services Fee '' each from Income Cash and Principal Cash. 
Bottom line, while I received {$5700.00}, XXXX received a total of {$4300.00} infees PLUS {$650.00} for tax preparation. Am I the only one who thinks thisexcessiv? Also, with the increase in tax preparation cossts this year, XXXXfees almost equal my income from the fund. What avenues are open to me tocontest these fees?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: JP RECOVERY SERVICES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by JP Recovery Services , Inc. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-25
Company: Account Recovery Specialists, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX Hospital and many other hospitals in Kansas and probably elsewhere are ignoring the Obamacare Rules supposed to be enforced by IRS and in 501 ( r ) of the regulations. Only one provision of that section has any fine imposed. Many hospitals are ignoring the rest of the rules, and their cpa firms seem to be encouraging that practice. The debt in my case was sold to XXXX XXXX 's law firm in XXXX Kansas. This is all explained in a court motion I made in the collections case, and the Treasury article attached hereto. Also the law firm attempted to pad the judgment by approximately {$200.00}. The said I owed interest and etc amounting to over {$1000.00} and needed to pay that amount to avoid going to a hearing in aid of execution.. Later they could not substantiate that amount and were probably hoping I would n't notice. The could only account for less than {$900.00}. This also is explained in detail in the attached court motion.

Company response to consumer: Closed
Consumer complaint received 2016-11-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
Misleading and deceptive use of XXXX services to induce customers to buy or lease Lexus automobiles by Lexus Financial Services by promising XXXX months forgiveness of lease payments if a new vehicle is lease or purchased. While they encourage buyer to continue to make payments and providing written assurances that the coupon mailed is valid until XX/XX/2017. Not so and thus consumers are being double charged for XXXX or more monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: American Financial Resources, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am applying for a XXXX year fixed rate mortgage with eLend also doing business as XXXX. On my original loan estimate that I received and signed the total cash to close is {$1900.00}. I received the updated closing documents showing the new closing cost of {$4600.00}. I have made multiple attempts to contact eLend and resolve this. I am unable to reach my loan processor or a team lead. I have only been able to speak with sales XXXX who has explained to me that there have been changes to the escrow withholding in addition to the title work and that is what is causing the change. The entire point of the loan estimate is to protect the consumer from bait and switch and in this instance that is exactly what is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The company is on my credit report. I have no idea who the company is attempting to collect a debt for. The FCRA states that a company has to send me a letter in the mail 30 days prior to reporting on my credit. This is a clear violation of the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Me and my wife have been fighting Owen lending services for 8 months. It started when they raised our payment XXXX XXXX dollars a month. My wife called them they said that was are payment and they would have research it so that went on for six months we made the payment then all of a sudden are payment is back to normal. Just recently we get a call stating that we are late when we have made all payments in the full amount and on time. I need help dealing with these people! I have online there is so many people complaining about the same things with this company I can not believe they are still allowed to do business in this state. I hope you can help us

Company response to consumer: Closed with explanation