BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2019, I requested a loan modification with SPS ( Select Portfolio Servicing ) due to my income being slashed over {$40000.00}. per year due to an employee restructure.

I submitted my YTD pay stubs and a letter from my employer indicating my new pay rate was changed to {$80000.00} per year an that I went from being a XXXX to an XXXX XXXX with no possibility of over-time. 

At the beginning of the year the company I work for overpaid me and the amount was reversed but the result was my YTD reflects an incorrect inflated amount. Due to book keeping reasons the YTD was not reversed even though the money was and the payroll manager send a letter of explanation. 

On XX/XX/2019 SPS denied a modification based on the incorrect income. SPS calculated my income at XXXX per month but I get paid 26 payments of {$3000.00}. for a total of XXXX per month. On XX/XX/2019 the day I received a denial, I sent in an appeal letter with supporting documentation proving the amount calculated by SPS was incorrect. On XX/XX/2019 a letter was sent tome I received on XX/XX/2019 again denying a mod or recast and was still basing the denial on the incorrect income calculated by SPS. I called in for an appeal and to ask for the income to be calculated correctly, but the manager XXXX XXXX ID XXXX refused to accept the letter from XXXX 's payroll manager and basically treated me as if I were a liar. I asked for his supervisor to call me but I did not received a call back. I again called and a customer service rep XXXX reviewed, agreed there was an error, she took it to Mr. XXXX but he would not listen. 
SPS refuses to take the letter of explanation or the proof of each paycheck showing the close in the gap created by the incorrect overage.

Letters of explanation are used all the time by others, so I am not being treated equally when clearly I have supporting documentation for the letter. It is an unreasonable request by SPS to ask XXXX to change the YTD as it affects the entire corporation. The payroll manager of XXXX has written several letters trying to explain but SPS will not consider. I believe I am being unfairly denied as the information I provided is in line with what has been used by others for consideration of a modification or recast.

I have proof of every deposit being the same, proof of the reversal in my bank account., proof of my reduced annual salary. I was trying to circumvent late payments but since it took 3 months for SPS to deny my request, now my credit cards are maxed, I have had some late payments making a refinance impossible. 

My PITI on the first is XXXX and the second is {$330.00} = {$2500.00} after taxes my take home is {$3500.00}. This does not leave enough for groceries, utilities and car insurance let alone credit cards and student loans. 

Any assistance would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The bank closed my checking, savings, and credit card accounts ; and refused to give me a reason why. They did not provide me with the appropriate resources or information to obtain a reason for adverse action being taken on my accounts, as required per 12 CFR 202.9.

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 2019-03-29
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I originally took out a loan for a property in XXXX XXXX  with XXXX XXXX XXXXXXXX. That loan was an adjustable rate mortgage. The loan was subsequently sold to Ditech. The loan is in the adjustment period and I would like to refinance it. 

The problem is that Ditech does not have a license to originate loans in XXXX XXXX. They can service them, but not originate or refinance them. 

Ditech 's solution to wanting to refinance my loan was to contact a lender in XXXX XXXX -- however, taking out a new loan is much more expensive that just refinancing. 

So the problem I am having is why a company can own a loan from a state in which they can not originate them? It leaves their customers with much less flexibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: Advanced Call Center Technologies, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A letter was sent from ADVANCED CALL CENTER TECHNOLOGIES LLC about a XXXX credit card by XXXX XXXX. 

This company, XXXX credit card XXXX XXXX  changed the address without my authorization. The address on the letter is only a forwarding address to mail to. All correspondence should be sent in a brown envelope with any letter statement with the original address. 

Secondly contact was made with this comp any. I asked them to recall the debt to the 1st party. The rep stated they are XXXX XXXX and can not do that. This company is debt collect tor and not part of XXXX XXXX they are a th ird party. 

ForThe ( insert name ) changed my address without authorization from me the account holder. The company changed it because it was forwarded to a different address only for the purpose for " care of '' mail. The company never notified me for authorization nor was i given notice of the change until i received my mail from the care of address did i notice the company changed it automatically without consent. purposes of this complaint they are to Cease and desist all communication via phone and mail Restore the original address on the statements Recall send the debt back to the 1st party

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit.Screen shut does not constitute a validation, you have to provide me with document with my signature on, cancel check, payment records and all according with FDCPA and FCRA, failure to provide these may result in litigation that could ward me with {$1000.00}, per item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX keeps reporting the same time barred debt on my XXXX  Credit report I have disputed several times and XXXX  says they verified it was mine and leaves it on my report XXXX XXXX changes the open date and account number so that XXXX  claims it not to be a duplicate Debt. This is a HSBC account that has has no payments made previous to XX/XX/XXXX. That is the last email confirmation I received from them before the debt was charged off so obviously payments were not being made months previous to this date. I have contacted XXXX and they refuse to remove the Debt even when I sent them proof thats its time barred and they can no longer report. XXXX XXXX claims they do not have to follow California 's guidelines. I have asked for proof that this is a new debt as they are reporting an open date of XXXX and XXXX and they do not provide anything because they don't have it. XXXX at XXXX XXXX even admitted over the phone it was a old HSBC debt. XXXX also admitted they changed the dates to current dates to be able to report in hopes to get some money. My other credit cards are decreasing my limits and I can not refinance my house to pay my medical debts from XXXX XXXX do to XXXX XXXX incorrect reporting of this time barred debt. It is crucial that this gets taken care of correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
Regarding XXXX I initiated a complaint on XX/XX/XXXX stating that the " debt '' this company is reporting is usury in nature, to date the " investigation '' is not complete. Company give boiler plate responses stating " we verified the information is accurate ''. At no point do they address the usury amount that is in violation of NYS law. it has been over two months and my complaint is still open on " XXXX XXXX '' I've attached a screenshot proving this. Any representation stating otherwise is misrepresentation of the the facts I demand an answer as to why Transunion is reporting usury amounts in violation of NYS laws, these are the laws that prevent " pay day '' lenders from representing their debts on credit reporting sites. Please note that Transunion is the only reporting agency reflecting this ILLEGAL entry

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 2018-09-05
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm contacting the CFPB because I was not educated or informed about my legal rights and my original debt is with XXXXXXXX XXXX XXXX not XXXX XXXX XXXX or Pressler & Pressler - they sent a letter to my old address on XX/XX/XXXX and I moved XX/XX/XXXX. Just like they know where I work and harass me with wage exectution letters now they knew where I lived. But they mailed it there almost a year later, why? The only reason I contacted them XX/XX/XXXX was to dispute that I don't owe them. I was mislead, misinformed and was unaware of my legal rights with the FTC or CFPB. They have tactics and was around legal laws in New Jersey and I do not think it's fair what they do. I will continue to fight them because the obligation is with XXXXXXXX XXXX XXXX and not XXXX XXXX - they purchased a debt on pennies on the dollar and they sought Pressler and Pressler for legal debt advice to come after me for a debt i don't owe them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Used STORE CARD from SYNCHRONY BANK. This bank operates in cooperation with XXXX. After receiving a store card, XXXXSynchrony has changed default payment to the store card without notifying me. This caused accidental use of their store card ( whil I was thinking I'm using my DEBET CARD ). 

On top of that several items which I purchased from XXXX were finansed by Synchrony Bank. Those items were later rerurned to XXXX for number of reasons. Despite XXXX has shown iterm refunded on my purchase list, SYNCHRONY BANK kept charing me fees to pay off the items. They also added 25 % of intrest rates which in turn caused huge debt. 

I tried to access transaction information from the beginning of using my store card but only last 6 months were available. After contacting SYNCHRONY BANK I requested all transactions in either electronic or printed form. So far have not received any information. They have sent me some email which require some information I do not have. 

I also requested SYCHRONY BANK to contact XXXX and clarify all illegal transactions and fees. I filed two separate complains for both companies to Better Business Bureau. 

After discovering this fraud I immediately cancelled all services from SYNCHRONY BANK and cancelled my card. 



Copy of this message will also be sent to appropriate government agencies for reviewing.

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 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2021 XXXX XXXX Trans Union received an identity theft report sent by me informing them of an account XXXX being fraudulent persuant to XXXX XXXX XXXX XXXX ( a ) - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report today is currently the XXXX of XXXX and the account has still not been blocked

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 2019-05-20
Company: EQUIFAX, INC.
State: NY
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 XXXX, i was visiting a friend at XXXX XXXX XXXX in the XXXX ,  n.y and i was assaulted by an individual that took my money and my wallet. i reported the incident to the XXXX XXXX  that gave me an incident slip # XXXX on XX/XX/XXXX ,2014.A few months later i checked my credit report and notice somebody use my ID to get 2 loans one was from XXXX XXXX XXXX and the other to XXXX XXXX.i have been tryng to get my credit report clean and succeded in getting it off XXXX AND XXXX BUT NOT EQUIFAX.even though i have provided everything they need to delete these accounts to no avail. i need them to verify these accounts by providing me an original with signature my on it as to verify that these accounts are mine. because i never signed any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
after hundreds of harassing phone calls and letters, I answered a call from them. the woman I spoke with said we could settle the debt for XXXX dollars. I would have 10 payments of XXXX dollars. So I agreed to those terms and sent my first payment of XXXX dollars. Shortly after I made my payment, I got a statement in the mail that reflected a balance of XXXX dollars which should have been XXXX dollars. So I called them to ask if they made a mistake in my balance and they replied, that is your balance. I told them THAT'S NOT WHAT WE HAD AGREED UPON!!! And they said that I had to pay that amount anyway. 
So at that point I decided that portfoilo recovery was using loan shark and Mafia tactics which I'll have no part of! If they would have stayed with our agreement, this would have been paid off already. Now they are taking me to small claims court XX/XX/2019!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a 1st and 2nd mortgage with US Bank and was shopping around to refinance. US Bank offered me a reasonable consolidation loan on approximately XXXX XX/XX/2019. I spoke with a loan officer named XXXX XXXX who recommended that I include the closing costs of the new loan, among other reasons so I would be paid out the total escrow in my former 1st mortgage. That's what the Closing Disclosure document reflected, and based on that document, I closed on the refinance on XXXX XX/XX/2019. Subsequently, I should have been paid approximately {$4700.00} from my former escrow at closing. Instead, today I received a check for {$550.00}. I called US Bank and emailed Ms. XXXX. Both responded that the other funds had been " used '' at closing. Ms. XXXX first sent me the Closing Disclosure of someone else -- that person 's name, address, and personal information was on it. Then she re-sent me the correct Closing Disclosure document as well as a payoff statement dated XXXX XX/XX/2019. I was never shown that payoff statement prior to closing, and it does not reflect what I heard Ms. XXXX tell me. 

US Bank has been unprofessional and has engaged in a bait-and-switch as far as I can tell. It appears to be some type of fraud.

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 2019-05-20
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They are not applying my payments correctly. I contacted them on XX/XX/19 and was told that I'm paying interest in arrears, however according to my payment history that is not true. I was told that it is a fixed interest loan and that means that I will always pay the amount of interest billed, this is not what fixed interest rate means. I believe they were charging all of their customers inflated interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony bank poor data management leads to inaccurate information in account data, resulting in late fees in regards to auto pay practices. They claim consumer entered the wrong bank information, account or routing number and charge late fee.

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 2021-10-10
Company: WELLS FARGO & COMPANY
State: MD
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:
SOMEONE USED MY VISA CREDIT CARD WITHOUT MY PERMISSION. I DONT KNOW WHO IT WAS, THE BANK TOLD ME THAT I GAVE THEM PERMISSION TO USE THE CARD, I HAD XXXX LIMIT ON MY CARD WHOEVER THEY WERE CHARGE XXXX on my card. And I am so worried that I will have to pay for this. Please help me resolve 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 2020-05-01
Company: Experian Information Solutions Inc.
State: OH
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:
This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX # XXXX****, XXXX XXXX # XXXX**** this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment XXXX XXXX XXXX XXXX  # XXXX**** this is not accurate please delete. I have never been late on my XXXX XXXX XXXX XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see XXXX XXXX  XXXX XXXX  # XXXX****is in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

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 2019-06-12
Company: SYNCHRONY FINANCIAL
State: TX
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:
XX/XX/2019 I purchased a set of 3 robot vacuum for {$190.00} and a warranty for another {$20.00}. The ad showed and specified that they worked on any surface, carpet etc. When I got them, they did not work. I immediately asked for a prepaid return label to return them. They could have been damaged in delivery or defective but its probably just a dishonest company pulling a scam and using USPS to do it. I then informed PayPal that I refused to pay the charge or the s & h and requested them to recourse it back to the merchant. If the merchant would like to sue me they are more than welcome. If they want the merchandise returned, then they will have to send a prepaid return address label. I have called PayPal numerous times and been transferred to all their departments from PayPal credit to resolutions and back again and to various managers. Thus far they have refused to recourse the charges back to the merchant as I requested. I refuse to pay the charge and have made that clear since I received it. My understanding is that I have that right with any credit card charge. Please help. 
Thank you for your time.

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