BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing, Inc. ( SPS ) services mortgage holder XXXX XXXX XXXX XXXX   ( a Delaware statutory trust ) will not provide forbearance without a balloon payment at end and that is not going to help me. My Wife has and currently care taking her now deceased mother and can only work several hours remotely, thus our combined income is severely lessened. As a business owner impacted by the XXXX we are dependent upon my business to make expenses and stay liquid. 

Please Help XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We are an elderly couple trying to buy a home with a Reverse Mortgage for Purchase. As a result of us being scammed many years ago, we have our credit froze or locked..The other two credit reporting agencies, XXXX & XXXX  have unlocked our freeze without issue HOWEVER, Experian refuses due to some sort of security breech ( theirs ). They want us to send them copies of bills, bank statements etc and it will take them WEEKS to process. Our home is for sale and we are trying to purchase one in another state ... .Weeks to process their foolishness is unacceptable!! We feel they are trying to hold us XXXX and trying to stiff-arm us into purchasing their " membership '' which they will process faster ... Please advise..

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 2018-07-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My loan which was serviced by Select Portfolio Servicing, was closed when I refinanced my house on XX/XX/2018. I was advised that legally they had to get my escrow refund to me within 20 days. It is now XX/XX/2018 and I still do not have my refund. I have called twice to inquire about the refund and was advised that they sent the check to be cut and processed on the XX/XX/XXXX and that it would take 7-10 more business days on top of that to receive the check. I have received other correspondence from them that did not take that long and mail from anywhere in the US does not take 7-10 business days. I received a notice that my loan was closed but not that I was receiving a refund or how much it would be. I called again today and asked for an overnighted check and was advised that she would 'notate '' my request but that it would most likely take another 30 days. I feel that if I did not consistently inquire, this payment would never have been made to me. Also they had not way of sending me confirmation that the check was actually cut or sent. Also, she could not send me a confirmation that it would be coming this time again. Maybe this just was a one off error, but the whole process seemed like a scam to try to keep peoples overpayment of escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received documentation from collection agency. I received correspondence from hospital in which I filed a written dispute of and also contacted insurance company. Insurance company advised XXXX  entered wrong billing code and should resubmit. Never received any additional correspondence from either the XXXX  nor any 3rd party. This item posted to credit profile out of nowhere Contacted collection agency they stated they had no record of my name or social in their database. Turns out its under my XXXX XXXX XXXX daughter. I gave them a cease and desist and advised of the circumstance also further advised I have received XXXX communications advising of collection efforts after my dispute and provided call logs where I contacted them and was advised they have no record of me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit reports and see that XXXX is incorrectly reporting that i was late on a payment on XX/XX/XXXX, some 4 plus years ago. The fact of the matter is I was NEVER late with even one payment and I have this account since XX/XX/XXXX. 
I wrote to XXXX, XXXX, Experian and XXXX and they have not corrected their error. 
Please have this error corrected, it is effecting my ability to obtain a home loan and the reporting is false. 
Thanks

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 2020-10-28
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Contacted the bank thru message center, no reply. 
paid off credit card a/c 's on XX/XX/20 unable to access auto pay settings on the banks website to manage autopay. 
can not make the change needed bank charging interest on XXXX balance, making debits

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I took out an auto loan with XXXX on XX/XX/XXXX, XXXX at some point in XXXX i fell behind on XXXX payments due to a financial hardship. I lost my job. The account almost went into collections and we we came to an agreement that once I made my payment for a chargeoff on XX/XX/XXXX they would remove this remark from my credit report. 

They still haven't removed it yet. I have been trying to rebuild my credit ever since XXXX and every single time I apply for anything ( even simple store cards to build my credit ) I'm always getting denied. 

I have learned a lot about credit over the years and I'm just looking for a fresh start. I've been trying to build credit since I was XXXX. I'm now XXXX. This is the only loan I've ever taken in my life and I've never had a credit card before. I do not feel that this one mistake in the past should reflect my credit score as a whole. I'm starting a family and having this resolved would greatly help my situation.

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 2022-10-05
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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 disputed two late payments for my car note from Chrysler Capital for months XX/XX/XXXX and XX/XX/XXXX on my credit report from XXXX. The finance company offered Covid relief during this time and advised they would not report negative remarks during the pandemic. I attempted to dispute again and they will not allow it if I don't have documentation. I feel the dates are self explanatory, I don't have any documentation, I spoke to a rep over the phone.R

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Please allow this letter to serve as notice that the statements have been getting mailed to an incorrect mailing address, I have requested this change to be made several times. They 're 2 addresses to which statements have been sent, both are incorrect and as a result I have not been receiving the statements. I use my debit card from my bank to make payments. When I do this you ask me to verify the billing address that is on file with the bank associated with that bank account. I believe this may be the cause of your mistake.The recent late payments reported to my credit file are unfair as your company has failed to place the correct mailing address I have requested several times. Please correct my address to what it has been for the last 3 years ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank Business is offering a bonus of up to {$2000.00} when you open a new business checking account. The bonus you receive depends on how much you deposit, balance must be maintained for 60 calendar days after deposit. 
Receive a {$200.00} bonus with a {$5000.00} deposit Receive a {$500.00} bonus with a {$15000.00} deposit Receive a {$700.00} bonus with a {$25000.00} deposit Receive a {$1000.00} bonus with a {$50000.00} deposit Receive a {$1500.00} bonus with a {$100000.00} deposit Receive a {$2000.00} bonus with a {$200000.00} deposit -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I deposited {$100000.00} into my business checkin acct for the 60 calendar days and was supposed to receive the {$1500.00} bonus, but Citibank has not complied with offer terms

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a Wells Fargo secured card that I paid off on XX/XX/2018. I did this inside of a local branch where the bank representative stated that once my account closes the bank will not only remove it from my list of accounts that I have with them but I will be refunded {$1800.00} and the account will also be removed from all three of my credit reports. I recently checked my credit reports and I see that the account is still listed. I decided to call Wells Fargo card services and a customer service rep. states that I must have my secured card account number in order for Wells Fargo to remove it from my credit reports. I know longer have that and nor can I find that on the credit reports that I pulled from XXXX XXXX. I don't understand why they can not take a copy of my credit reports and my social security number to eradicate the account from all three of my credit report. 

Last four digits of my Social is # XXXX

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 2020-05-15
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/XXXX I called Elan Financial Services and I spoke with XXXX-CSR about paying off my {$300.00} secured credit card. I was advised by XXXX that she could not discuss my account as it is no longer open and due to a system update she is unable to accept any payments or see any account information including balances. She stated to call back in 2 weeks to see if the account has been updated. I advised XXXX that I had spoken with someone in XX/XX/XXXX at Elan Financial Services who advised that no account information can be given at that time and to call back. Per that representative multiple customers accounts have been in the system update status since XX/XX/XXXX. There is nothing that can be done on their end to assist me. 

XX/XX/XXXX I called Elan Financial Services and I spoke XXXX again about my account balance. She advised that my account is still in the system update and she is still unable to provide any account information. Elan Financial Services advised their customer service representatives to tell all customers with outstanding balances that accounts are involved in system update and to call back at a later date Explained to XXXX I have been trying to pay this balance for months with no success. All 3 credit bureaus are being updated and showing that I am 90 days delinquent and I am unable to resolve my account with Elan Financial Services or have my credit reports updated. XXXX understood but stated she is unable to assist me and to call back in two weeks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01
Company: VW Credit
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made my lease payment at the end of XX/XX/XXXX. I believe it was made out of the wrong account. Furthermore, the account that it was pulled out of was not attempted to be pulled out from for 12 days. 35 some days after payment was due, I get a call asking for payment. I am shocked. I thought that the pullout was not even for last month but for this monthly payment because it was close to XX/XX/XXXX, which I was actually angry about. I thought it had been made earlier than it was supposed to be. After rep called, I found out the truth and immediately made payment, dated that day for XX/XX/XXXX. Customer service representative waives late fee and apologizes and makes no mention of how they destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: JPMORGAN CHASE & CO.
State: NY
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:
In XX/XX/2020 I called Chase Card Services about questions about possible overcharges during the first 3 months of the year. They briefly looked at my account and indicated they everything looked OK. They then advised me to send them correspondence with more details. On XX/XX/2020 I sent the company a detailed letter with copies of 3 months of statements, XXXX, XXXX, and XXXX detailing how Chase 's auto-pay program deducted more than the purchase totals made during the statement periods. I asked for an explanation since my account doesn't accrue interest because the entire monthly balance is paid in full. 

I stopped the Auto-pay in XXXX because I realized there appeared to be a problem with the amount being deducted by Chase Auto-pay versus the statement balance. 

Chase replied to me via a letter dated XX/XX/XXXX, telling me how to set up Auto-pay. The balance discrepancies I asked about were not mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: EQUIFAX, INC.
State: WA
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 was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Incorrect Inquiries on my credit reports. 
Ive sent certified mail disputing inquiries to each credit bureau : XXXX  Trans union XXXX  XX/XX/2020 No reply in regards to the investigation requested. 
Tracking number are available

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 2021-01-26
Company: U.S. BANCORP
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a old credit card that was used multiple times by someone else after lost / stolen, no I did not authorize. Have told them multiple times and it has caused me a great deal of pain, as much as leaving me home less for not being axle to use credit for housing / transportation. 
This has taken a great deal of toll on me. 
As a newly adult at first I ignored it after not being able to resolve it and now it have even been an impact on my family well being.

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 2017-08-04
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am currently financed under Santander Consumer USA, recommended by XXXX. I signed up for Auto pay which required me to put in my account and routing number. I later found out that the account number was entered incorrectly which put me in a past due payment because they sent the payment back. I was never notified that the information was incorrect until 15 days after the payment was to be sent. They notified me that I can pay though XXXX XXXX for a fee. That is not very secure for a " financial institution ''. I have to wait 6 months before my auto pay will be active again. This now requires that I have my bank send a check to a XXXX XXXXx . There is no guarantee from the company that this has been received. I also never informed that if my information is incorrect that I can not change it and that it would take 6 months before I can correct it. This company is not very reputable and not very helpful. They use a third party for their financing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've completed two complaints regarding false statements from my mortgage company XXXX XXXX XXXX. I have a written response from them stating my bank didn't honor my payments and a letter from my bank I sufficient funds and no funds were attempted to be retrieved. The last payment retrieve from XXXX XXXX was in XX/XX/2017. My account has not changed and the check they received in XXXX from my financial institution should reflect the same account info from XXXX 's payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. These inquiries were not authorized by me and should be considered ID theft. 

Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX  report. 

Inquiry details XXXX  Inquiry from XX/XX/2020 Finance XXXX  XXXX Inquiry from XX/XX/2020 Automotive XXXX  XXXX Inquiry from XX/XX/2020 Automotive XXXX Inquiry from XX/XX/2020 XXXX  XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX XXXX XXXX Inquiry from XX/XX/2020 Finance XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance XXXX  XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX

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 2020-10-28
Company: BSI Financial Holdings, Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company has not paid our property taxes from our escrow account. There are now penalties and itnwrest added. Calls are always put on hold due to high volume. Callbacks aren't always received when requested. No response through the online messaging system. 

When we finally got in touch, the representative told us to email a copy of the tax bill. The phone call was difficult to hear as the representative 's voiced echoed the whole time.We were sure to include all pertinent information in our email, and have not received a response ( not even a confirmation of receipt ). 

A week later and we are trying to call again to no avail. If the bill is not paid in the next four days, more penalties and interest will apply.

Company response to consumer: Closed with explanation