BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
IN XXXX OF THIS YEAR I SUBMITTED A COMPLAINT AGAINST SELECT PORTFOLIO SERVICES FOR XXXX MY HOUSE PAYING AFTER JUST ONE FORBEARANCE PLAN I WAS DENIED 2ND FORBEARANCE PLAN AND WAS TOLD I DIDNT QUALIFY FOR A MODIFICATION WHY WAS I DENIED A SECOND FORBEARANCE PLAN???? AFTER SELECT PORTFOLIO SEVICES TOOK 2 MONTHS TO GET BACK TO ME EACH TIME I ASKED FOR HELP I KNOW I AM NOT THE ONLY ONE I ALSO SAW COMPLAINT AGAINST SPS ON THE XXXX  COMLAINTS SAYING SPS TOOK MANY MONTHS TO GET BACK TO THEM WITH MODIFICATION RESULTS OR WE DIDNT SUBMIT ALL THE PAPER WORK WHEN WE DID SPS WOULD JUST COME UP FOR ANY REASON BECAUSE THEY HAD SO MANY PEOPLE ASKING FOR HELP THEY WERE NOT PREPARED SO OUR MORTGAGE PAYMENTS PILED UP I DONT CARE IT SHOULD BE ILLIGAL FOR A HOMEOWNER TO LOSE THERE HOUSE BECAUSE THEY LOST WAGES JOBS TOLD TO STAY HOME DUE TO A PANDEMIC WE HAD NO CONTROL OVER MY HOME IS IN XXXX COUNTY CALIFORNIA XXXX XXXX IS ONLY XXXX MINUTES AWAY SO THAT MEANS WE WILL BE TOLD TO PUT OUR MASK BACK ON BECAUSE LA IS GETTING HIT HARD AGAIN WHERE IS THE BILLIONS CALIFORNIA IS SUPPOSED TO GET I REACHED OUT TO HUD MY COUNCELOR SUGGEGESTED I FILE ANOTHER COMPLAINT BECAUSE SPS DENIED ME TO MODIFY MY LOAN I DONT CARE GIVE ME A 4O YEAR MORTGAGE CALIFORNIA IS TRYING TO FIND HOMES FOR THE HOMELESS NOT MAKE MORE FAMILIES HOMELESS I AM A XXXX XXXX WHO WORKED HARD FOR THE AMERICAN DREAM SO I AM SUBMITTING THIS COMPLAINT BECAUSE MY HUD COUNCELOR SAID THEY CANT DENY MY A MODIFICTION APPLICATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CARRINGTON MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: STERLING JEWELERS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX from XXXX XXXX XXXX has been harassing me, my family and friends /acquaintances. I originally spoke with him and told him I paid the debt XX/XX/2018. He continued to call multiple times a day and then began calling my family and friends. I asked him not to call them 3 times and he continued to do so. My family requested he stop calling them and would repeatedly call them anyway. He left a detailed voicemail on my brothers phone about how I am refusing to pay the debt and he will Be reporting me to the credit bureau as refusal to pay. I spoke with him again and told him to stop calling anyone other than me and he has repeatedly been calling. He is very aggressive and wont stop. I have the receipt of the paid account so I know its paid in full. Hes been calling XXXX XXXX, XXXX XXXX, XXXX, and before and after XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Ocwen Financial Corporation
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: Problem with personal statement of dispute

Complaint:
After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what Ocwen quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX  was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
XXXX erased my student loans as requested with all credit bureaus. However, Equifax missed the elimination process. I ask Equifax to reinvestigate the matter and delete the XXXX student loans permanently. 


COMPANY 'S INTERIM RESPONSE The response to your Consumer Financial Protection Bureau inquiry from Pennsylvania XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX /XXXX XXXX is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response The Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX performed a review of your account. Please Note : XXXX conducts its student loan servicing operations commercially as XXXX XXXX XXXX and for federally-owned loans as XXXX XXXX. In your inquiry you expressed concern regarding information submitted to the consumer reporting agencies regarding your account. We received and investigated your complaint regarding loans for which you were on record as the endorser. Based on our preliminary investigation, we have submitted to the consumer reporting agencies to remove the loans from your credit report, until we can perform a full investigation once the borrower completes and returns the Fraud Packet that is being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2019 Scheduled payment for {$30.00} on XX/XX/2019 Statement balance {$68.00} -Recurring minimum {$38.00} XX/XX/2019 Downloaded current activity to XXXX. 
Recurring payment of {$38.00} was missing and replaced by a payment of {$7.00} Which is my payment of {$30.00} + the difference to the minimum payment. 
XX/XX/2019 Placed call to complain and was informed that this was because I had a minimum automatic payment scheduled. 
XX/XX/2019 Charged {$2.00} for minimum interest charge because I had a balance on my previous statement. 
This complaint is not about the {$2.00} I was charged, it is about the {$2.00} or more Synchrony Credit customers are probably being charged everyday

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 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Sent certified mail to all three bureau on XX/XX/2021. Only bureau to respond was XXXX  and they stated the could find no record of me. I have personally pulled all three of my credit bureau so not sure how this could be. I have proof of 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 2018-06-12
Company: ERC
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: Old information reappears or never goes away

Complaint:
I moved to a new location and opened a new account for service with XXXX in the month of XX/XX/XXXX. On XX/XX/XXXX I moved in my new apartment and received the XXXX equipment and started my new service with them. When the bill came it was {$260.00} so I called the company to find out why it was so much and the agent in costumer service said it was a mistake and had added an amount from 15 years ago of {$150.00} and should have been charged off so please disregard and a new bill would be sent and so a bill was sent for a lot less, however after that a Derogatory Mark was attached to my credit report for that amount of {$150.00} on XX/XX/XXXX by a company named XXXX XXXX XXXX located in XXXX, Fl XXXX and claim to have opened the collection on XX/XX/XXXX the date stated on my credit report however I've been monitoring my credit report regularly and the Derogatory Mark did not appear until XX/XX/XXXX and reduced my credit from XXXX XX/XX/XXXX to XXXX on XX/XX/XXXX after researching I found it was a bill from XXXX however even so the bill is still way passed 180 days old as much as 4 years 9 months way passed the statue of limitations. It just doesn't seem right or correct to apply a new Derogatory Mark that many years later I'm not sure but legal ramifications may apply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was result of auto accident XX/XX/2016. Physician consistently failed to bill insurance regardless of information I provided. Bill was given to Transworld whom I communicated with on several occasions. I do not believe they communicated with physician, I communicated with physicians office, yet health insurance was never billed. Physicians office finally billed health insurance, but they failed to file the claim within the allotted amount of years, and was told my portion of payment is {$0.00}. Physician sent an invoice showing that I owe XXXX. Yet, Transworld communicated to me it was a charge off. I provided documents showing that it wasn't and told them that nowhere on the invoice does it show that it was a charge off. Physicians invoice shows I owe {$0.00}. Transworld has been claiming it is in dispute for more than 30 days. Transworld has done nothing to repair incorrect reporting. They haven't even reported it as a " Charge Off, '' even though it is not a charge off. They have done nothing and it has been on my report inaccurately for over a year I am attaching the documents they have received on more than one occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
This bank has continually charged a late fee on payments, made one or two days after the due date. The fees are excessive and I have tried to remedy the situation with the bank in XX/XX/2022.

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 2018-06-29
Company: BMW Financial Services NA, LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I financed a load through BMW Financial services. When I made my first load payment they had me send the payment to XXXX, AZ. I expected this transaction to take several days to complete, after five days the transaction was not complete so I called BMW FS but got no good answers. I called them again after 6 days and was told my payment had to be transferred to XXXX since it was too large of an amount for XXXX to handle. During this transfer and handling time ( about 6 days ) I was being charged {$2.00} a day ( according to BMW FS ). I  complained to BMW FS to no avail. They only said payment over {$10000.00} had to go to XXXX, but that is not documented on there payment document they send out. I do not think I should be charged interest on the amount that is due to their poor money management policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: ALLY FINANCIAL INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I received a notice from Ally Auto the first part of XXXX advising I was something like {$220.00} overdue. I contacted the customer service department to inquire on what this charge was for however I was connected to five different representatives with none able to assist. I was advised the account would be reviewed and someone would be in touch. Never heard from anyone. I reviewed my account again maybe 3 days later which then stated I was over {$400.00} over due. I again attempted to resolve via customer service to no avail. I sent emails with no reply. I paid the money afraid that it would continue to go up. Again this month XXXX, the same thing has happened and no one will gibe me an answer. I have paid approximately {$1100.00} in XXXX and again in XXXX on when my loan payments are only {$620.00}. This " additional '' charge is not being paid on my principal. I don't know what to do. This company will not respond, explain or advise me on what the situation is. 
BTW, I normally pay {$650.00} EVERY month which is {$29.00} more than my payment amount. 
Please help me get this resolved. I can not afford to keep paying this and I shouldn't have to. 

FYI, the one returned payment was an error on my part when my fianc mistakenly used an old card number without realizing it which I immediately addressed as soon as it was brought to my attention.

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 2021-07-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their offices. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions 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:
I have contacted the credit agencies with regards to the XXXX XXXX XXXX account that is reporting on my credit file. All of the credit agencies remove this account except for Experian. Experian is reporting an account that does not belong to me. Please assist me in getting this account removed from my credit file.

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 2018-06-12
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid the bill the first month late and assessed a fee which I take full responsibility for. However, I paid the bill the next month two weeks earlier and to my surprise still was assessed a late fee. I again said it was my fault and did not challenge the fee. The third month I mailed the payment overnight in a money order. It was three weeks early and they did not process it until a day after the due date so I was assessed a third fee. 

I realized they were not " up-standing '' in their billing practices. I stopped paying the bill because I was upset. I am willing to pay the full amount and the late fees that now owe. I My complaint has more to do with their billing practices. I would like someone to please look into these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX XXXX including legal fees I received a call from a restricted number. The person on the other line claimed to be a processor and advised me to contact the following company regarding the matter. The number given directed me to XXXX XXXX XXXX XXXX. I was told that I am being sued for a debt that I have no knowledge of from XXXX. XXXX XXXX XXXX was rude and threaten that I would be sued and have to appear in court. In addition. I contacted the original creditor that I advised me the debt was sold in XXXX to XXXX XXXX XXXX that has since went out of business. I was told by the original creditor that the statue of limitation had ran out and that XXXX was using unlawful tactics to collect on a noncollectable debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV is trying to collect a debt for an account I've never had. I've never used a credit one bank. This is fraud, LVNV lies and threatens to damage my credit. They won't provide the proof or the original application. They have the wrong info. They also won't provide that they are able to even collect in my state of texas. 
XXXX  Report # : XXXX LVNV Accounts : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In XX/XX/XXXX my wife and I financed a purchase at XXXX XXXX. The financing was through Synchrony Bank. This was a no interest loan as long as the card was paid off within a year. I set up a schedule of auto payments to pay the card off by XX/XX/XXXX. The card was never used again. I logged on to my account late XX/XX/XXXX to find that a charge / fee from XXXX XXXX XXXX had to be applied to my account monthly starting XX/XX/XXXX. I called Synchrony Bank about the charge / fee. I was told that I would need to dispute the charge with the 3rd party XXXX. I told them this was a fraudulent charge but they just pushed back and stated they would not remove the change an insisted that I must deal with the 3rd party. This is an obvious scam conducted by Synchrony Bank. I am assuming they have a financial interest with this 3party. A quick internet search will show plenty of others experiencing the same scam. I am assuming that I will eventually remove the charge. Synchrony Bank has made the process of removing the charge difficult and capitalizing on the fact that most people will just pay the charge or not notice.

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