BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I applied for a refinance of my home mortgage with XXXX XXXX ( XXXX ). They are not the problem, instead my second mortgage, originally with XXXX, now with Select Portfolio Services ( SPS ), has been a major problem. In order to refinance My second mortgage company had to agree to be the subordinate mortgage. That is where the problem began. It has been three ( 3 ) months and after constant contact by me and my representatives at XXXX and they still have not agreed to be subordinate. I have written letters allowing them to contact XXXX and have called to let them know I am unhappy with their incompetence. They kept saying it is in review and it may take 5 days. I spoke to a supervisor on XX/XX/XXXX and she said she would set up the process. Still no answer as of this complaint. Do to SPS 's incompetence I have lost the ability to lessen my term and take advantage of HARP. Additionally I was forced by SPS 's inaction to incur a fee of {$2000.00} to lock in the rate I applied for in June.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Shellpoint Partners, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
COVID 19 happened, and just prior to Covid the Mortgage company appears to have switched hands 4-5 times in less than a year going from XXXX XXXX to XXXX  to XXXX XXXX and then to Shell Point. Its impossible to have confidence when these companies dont know if payment was made and me not knowing who to make the payment too when they say I paid my original servicer and not them. Also to top it odd Hawaii experienced a Hurricane and Flooding both declared presidential declared emergencys. All of which impacted my XXXX. 

XX/XX/XXXX non essential businesses were forbid to conduct business in my county. That ban was lifted on XX/XX/XXXX which is tomorrow. Therefore and despite there not being more than 5 cases in my county I have had to close the doora on my company for over a year.

i requested forebarance during the CARES act but that is when the mortagage company switched hands again to Shellpoint. They are impossible to reach and will not assist as they have no data or what they have is not accurate. i asked for forbarance and they continue to destroy my credit and do nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: JPMORGAN CHASE & CO.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a Checking and Saving account with the Chase Bank since last year and I get my pay every week in my checking account. I have submitted the request for home loan with Chase Bank more than 45 days ago and after verifying all the information such as credit score, social security information and other relevant information, Chase Bank issued a Pre Qualification on XX/XX/XXXX. 

Later on for further processing in order to proceed for the closing, I had submitted all the documents such as XXXX, all my legal documents ( Employment Authorization Document-EAD, Document of notice of action XXXX ) issued by USCIS, my Driving license issued by Kentucky, W2 forms of XXXX and XXXX, Tax return statements of XXXX and XXXX, information for the employment verification, bank statements of XXXX XXXX  and Chase bank which showed the funds available for down payment, closing and I have the funds more than the required amount. 

Chase Bank sent me the Closing Disclosures on XX/XX/XXXX and the closing date was scheduled to be on XX/XX/XXXX but it was delayed. 

But now, when almost everything is ready such as Condo inspection completed, the title documents were prepared, Condominium insurance, home appliances warranty and almost everything was prepared and were just for the new closing date. The seller too cooperated for the extension of the closing date. 

I was surprised when I came to know from the Chase Bank that I was not eligible for the loan approval as per the recommendation of the underwriting team. The reason for denying my mortgage loan is that I do not have a Permanent Residence status ( Green Card ) and I have the category of XXXX in my EAD ( Employment Authorization Documents ). I told them that I am in que to get my Green Card and it will take time. 

They would have done this verification for eligibility as the first step in the beginning, prior to issuing the Pre Qualification letter, Conditional approval and the Closing disclosures. They have wasted a lot of my time ( more than 45 days ) giving a false hope of approving the mortgage loan. I have missed other options available for me at that time. I am wondering at their immature system of working. 

I am a legal resident of USA and I have all the legal documents issued by USCIS. I have filed my tax returns for the years XXXX and XXXX and I have submitted all those documents. 

Even though my category in my Employment authorization is XXXX, I am still eligible for the mortgage loan. The Mortgage report says that a foreigner with valid EAD is still eligible for Mortgage ( XXXX XXXX XXXXXXXX ) whereas the decision of the underwriting team of Chase Bank is contradictory. 
I am in stressful situation at this last moment and I have spent money for the Condo inspection ( {$300.00} ), paid the services charges to my realtor company ( {$300.00} ) and even the Chase Bank charged {$500.00} towards the mortgage processing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: U.S. BANCORP
State: GA
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:
On XX/XX/2018I made a purchase in Colorado while on a work trip for {$140.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. Part of the purchase included a product that was faulty, it did not charge correctly, so I took it back. I'm not sure of the exact amount of faulty product, as my email receipt from XXXX only has the total amount, but I believe it be {$90.00} - {$100.00}. The seller refused to refund, return, or exchange the product without a physical receipt even though I had a square receipt in my email inbox. 

I made a call to XXXX XXXX Visa Credit Card Services on XX/XX/2018 at XXXX to make a dispute. I relayed my story to XXXX regarding the seller refusing to return, refund, or exchange. The case was opened and a temporary reversal of the transaction was reversed. 

On XX/XX/2018 the transaction was re-reversed. I received a letter shortly after stating my claim was resolved, and that the charge would be placed back on my account. The reasoning as stated in the letter was that the charge was a valid charge. There was a copy of the receipt in the letter, which XXXX have may obtained from the seller or the seller 's bank. On my call to XXXX on XX/XX/XXXX, I never claimed the charge was not valid, but rather that the seller refused to return, exchange, or refund a faulty product. 

On XX/XX/XXXX, I made another call to XXXX asking to explain the reasoning of the letter and compare that to my original claim. I told them why I was confused, as the reason in the letter had little do with my original claim. The representative provided little information, but told me my case manager would call me with 48 business hours. I was not called back. 

On XX/XX/XXXX, I made another call to XXXX. I asked why I was not called back. I was not provided with a satisfactory response. The representative made inquiries with me why I believed their decision was incorrect. I had to explain the situation, and my original claim to them again. I was told I would hear something from a case manager within a week. 

On XX/XX/XXXX, I made another call to XXXX. I went through the same motions as before in the other calls. I had to explain my situation again, why I was requesting the dispute. The representative stated that I will receive a call from my case manager. 

I believe I have made myself extremely clear in this matter, and am frustrated that I have no recourse for how I am being treated.

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 2017-12-21
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in XX/XX/XXXX I requested proof of signature on loan documents from XXXX 's, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX and XXXX XXXX and again in XX/XX/XXXX. Also have filed several disputes over the last year and a half they keep verify the debt as accurate. I also have file multiple request For XXXX XXXX, XXXX and XXXX. XXXX and XXXX remove the accounts and just recently put they back on my reports no one will prove it I have made over a dozen request with each credit agency and company. I know they can not prove it because I never signed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Io, Inc.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account with both XXXX  and Receivables Management Systems, and I read the Law XXXX, which clearly states that a paid medical collection, especially a disputed paid medical collection MUST be deleted from a persons credit. XXXX  has failed to follow that law. They are continuing to report a paid medical collection despite my repeated disputes! I demand justice!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: CA
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:
Fraudulent inquiries and inaccurate account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am not sure which department I need to speak with. My mortgage is with Wells Fargo they have made a mistake and put deferred for a full year I went to look at my credit score and seen it on there on my account that messed with my credit score and plus I am trying to refinance my house. Even though I have proof a letter from Wells Fargo that my payments been on time and not late should had not should deferred because thats something I never agreed too. How do I go by this that it need to be clear to tell credit beaus as well. I have spoken with over 5 people at Wells Fargo giving me the run around and different answers to the solution. Yes they sent a letter showing the removed it but this should had never been done it the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I sent a letter to the Chief Credit Officer with a copy to the Chief Legal Officer disputing certain negative reporting on my credit report related to my mortgage loan. I disputed a late payment on XXXX XXXX and another one on XXXX XXXX. I received a communication from the lender indicating that the XXXX XXXX had been removed, but the communication did not address the status of the XXXX XXXX dispute. 


On XX/XX/XXXX, I spoke with a representative regarding the dispute at which time they indicated that a dispute was being opened and that they would communicate their finding within 30 days. I received no update. 


On XX/XX/XXXX, I spoke with another representative regarding the XXXX XXXX late payment. I was told that because the dispute on XXXX XXXX, XXXX was verbal, the lender was not obligated to respond within 30 days. At that time, I told the representative that I had provided a written communication of the dispute previously. She gave me an email address to which I could send evidence of the written communication. 


On XX/XX/XXXX, I emailed the documents to the lender at the email address they provided to me. I called and spoke with another agent on that date and was told that the dispute was being elevated to the credit branch, and that they would get back with me. 


On XX/XX/XXXX, I called and spoke with an agent who transferred me to another agent, XXXX, in the escalation unit. XXXX indicated that they had responded to me in a letter dated on or about XX/XX/XXXX. When I pointed out that the XX/XX/XXXX letter only addressed the XXXX XXXX late payment, not the XXXX XXXX late payment, he indicated that it was " still a response. '' I told him that it was not a response, because it did not address the second dispute. I told him that they needed to remove the late payment from my credit file, since they had failed to respond within 30 days of the dispute, as required by the Fair Credit Reporting Act. He told me that they would not remove the late payment. 


I disputed the payments because the originator of the loan, USAA Federal Saving Bank, and the servicer of the loan, XXXX ( now XXXX XXXX ) have long enjoyed a co-branding agreement wherein they encourage customers to make payments via the USAA F.S.B. website or mobile app. The servicer indicated during my communications that they record the payment as of the date it clears, not the date the payment is initiated. Because of the strong co-branding, most customers are unaware of the distinction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 Fake amount of money {$840.00} XXXX XXXX XXXX XXXX PO Box XXXX XXXX, FL XXXX Fake Account Number Itemized Bill Fake bill Contacted XXXX XXXX XXXX, a fake bill collector. They claimed they are a 3rd party debt collector, but they are not. They could not give me an original debt collector number or address. They are completely lying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I submitted a complaint to both XXXX and transunion about fraud account inquires in my credit report i even submitted a police report showing ive been dealing with this problem.

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 non-monetary relief
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
TransUnion didn't respond to any of my letters i sent out to them on XX/XX/XXXX and XX/XX/XXXX and { XX/XX/XXXX for this letter on the letter it state XX/XX/XXXX } but its was mail on the XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX all my correspondence with XXXX was through certified mail

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 2023-01-18
Company: Goodman Frost, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX, I called XXXX XXXX XXXX XXXX and XXXX XXXX in order to resolve a debt. XXXX XXXX commenced to intimidate me with a bench warrant, stating it would wake me up. 
XX/XX/XXXX I participated in a creditors exam, where it was clear to XXXX XXXX I had no income. 
XX/XX/XXXX my bank account was emptied. {$1800.00} dollar 's of the money taken was from unemployment benefits, which should be exempt from garnishment. XXXX XXXX was well aware I collected unemployment. 

Complaints- threatened with arrest - garnished unemployment benefits

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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: Information belongs to someone else

Complaint:
Im reaching back out to you guys because you assisted my with some items on my credit that werent mine. There are still two items on my credit that I know nothing about. XXXX XXXX and XXXX XXXX  XXXX. This sound like something dealing with some type of medical. Im doing this on my own behalf and have already contacted the FTC and my local police. I have been on my job for over 10 years and have full benefits I have no need to go to the doctor without being able to pay. Please remove these items from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Interest rate not accurately calculated over last 10 years. Paying extra on card is not showing reduction in interest based on daily average calculation. 
I have asked for audit of my account to correct interest rate charges. System company uses to reflect no minimum after paying more is poor consumer support. It gives false ideal that your ahead but just change more interest. 
My interest rate does not show change of daily average. It only shows current balance which is not correct. 
Im asking for a complete review of my interest rate charges on my Usaa credit cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Bread Financial Holdings, Inc.
State: MD
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:
I have contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt in question ahs been on my credit profile for a few years and I have sent multiple letters to the credit bureaus as well as the debt reporting company for removal. Starting in early XXXX I reached out the company requesting proof of debt, and even as recent as XX/XX/XXXX asking for proof of debt and none was sent. However, not only is the bad debt reporting on my credit, it is reporting twice as a duplicate, which is further impacting my credit score. As per the FCRA laws I am entitled to a accurate report of the supposed debt showing the initial contract and even entitled to up to {$1000.00} in damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
MY CREDIT UNION TRIED TO RUN MY NAME THROUGH CHECK SYSTEMS AND IT DECLINED ME AND HAVE MY FILE LOCKED.

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