BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPSERVICING is charging {$15.00} fees when making payment online on there website, that was never happen before. I thinks thats a lot. It's should {$5.00} or free. My income is less and its seems a lot. I there any rules how much a motortage company should charge a fee when making a-payment online on there website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with my social security number. This debt is not mine. I have enclosed proof of my identity. 
In accordance with the fair Debt Collection Practices Act, I Am asking you to stop proceeding against me and stop communicating with me about this debt, except as the fair credit Reporting Act allows. I also ask that you notify the Aurora mortgage loan agency and tell the debt is in result of identity theft. 
XXXX XXXXXXXXXXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file. The items I dispute are listed below. The bureaus have been ignoring my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by Amerisave about a refinance on my mortgage, i was told that i had to pay the appraisal fee before we could get started. I did we discussed the loan and i decided against using there service. The appraisal was never done. 
in an e-mail i was told that the money would be automatically returned because the appraisal was never done. After a couple of months i was told i would not receive the money back they were going to put it toward some application fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently pulled a copy of my credit report and noticed accounts i did not open

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 2018-09-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow-up to the complaint I originally submitted on Friday XX/XX/2018, Complaint Number XXXX. After my real-estate agent called SPS on XX/XX/18 to confirm that the short sale acceptance documents were received, faxed and emailed on XX/XX/18 and XX/XX/18, she was told we no longer had the option to short sale our home ; that " cash for keys '' was the only option available at this time. SPS sent a letter to me, dated XX/XX/2018, where it gave us options to avoid a foreclosure. The letter, ( also attached again ), had a short sale option with the stipulation that we accept the short sale acceptance letter, sign and send back on or before XX/XX/2018. The letter also states that I have 30 days from the date of the letter ( XX/XX/2018 ) to contact SPS with any questions. My agent and I sent the signed requested documents back to SPS on XX/XX/18 and XX/XX/18, which was confirmed by SPS, then they told her that my options had expired. How can this company get away with false, misleading information being given to consumers about a short sale option ; the requested protocol being followed by the consumer and then they take the option away without any further notice? We never received any further communication in writing, fax or via mail stating our options had expired until my agent called ; now all of a sudden a new letter dated XX/XX/2018 was faxed ( also attached ) to my agent stating that we no longer had the options that was previously offered. That is nothing short of false information and a bate and switch tactic being sent to borrowers. This company can not get away with this, they gave me the option in writing to sell my property as a short sale and that's what we want to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: EQUIFAX, INC.
State: NC
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:
My husband and I sent a letter to Equifax back in XXXX, asking them to investigate errors on our credit report.  I am attaching a copy of the letter we sent to them.  They are supposed to respond within 30 days, but have failed to do so.  We've tried to follow up with them about this, but we get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
At XXXX am PayPal refunded me XXXX USD To my PayPal account saying that the person I tried to pay account was closed. By XXXX am one of PayPal employees assumed I did not notice and stole the money before I could get to it. I want it back immediately and would like to report it. I have attached a photograph of the email I received this morning and the balance 3 hours later when I logged in to check the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filed a dispute in the beginning of the month of XXXX for items listed on my credit report that is inaccurate i have yet to hear back or receive a response, I also sent the letter 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 2018-09-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent IQ Data International, Inc. at least three ( 3 ) Debt Validation letters requesting proof that I owe them any money. I have asked them to provide me proof that I signed any letter or invoice stating that I would pay them for any service. They have failed to provide me with any proof. I have asked them to stop reporting this alleged debt to the three ( 3 ) major credit reporting bureau 's ( XXXX XXXX, XXXX and XXXX ) until they provide me with the proof I have requested, they have failed to stop reporting this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying the mortgage to the original lender for close to 20 years never had a late fee until XX/XX/2017, I immediately sent a payment with the penalty fee and they purposely refuse to Cash the check then I sent the next check it couldnt had been late and they claim it was, it seems to me they are trying to drive me into an unnecessary situation so they can profit from additional fees etc etc.

It seems to me they are trying to benefit from a sellers real estate market and drive me into foreclosure.

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 2023-02-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, 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:
This is the 3rd and final time I am disputing these unauthorized accounts on my credit. This is time-consuming and I will take legal actions if not corrected. I am a victim of identity theft/fraud. I have attached the FTC document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Conn's, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I started an account with Conn 's XXXX for a XXXX refrigerator. Once the account was established it had a sectional on it that should've been removed. I have requested that that account be closed out, this hasn't been completed, instead they opened another account with just the refrigerator. Now I have XXXX accounts XXXX that is reporting a {$6000.00} balance that is incorrect. The account with just the refrigerator was paid off XX/XX/XXXX but is still showing a balance due to interest. The interest promotion was to be reinstated because the duplicate account was making my true account show past due, maintaining a current account is a stipulation. The payment amount for the {$6000.00} acct was {$250.00} but to the only refrigerator act was {$90.00}, I started making the {$90.00} payments and started being reported as past due. have had numerous cases to resolve but they have gone unworked. The latest is case XXXX, that I'm being told will take XXXX business days but I am being reported to the credit bureaus for being 180 days late on XXXX accounts, XXXX that should've never been established and XXXX that is paid off but need adjusting for interest. The representative calculated and quoted me the payoff amount manually because the case still wasn't worked from XX/XX/XXXX. I filed credit disputes and the company responded back promptly that the information was correct despite cases that are open on my account proving otherwise. I find it strange they weren't able to work my case but had the ability to respond fraudulently to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I usually and regularly carry a very high credit rating. I make sure I pay my bills on time, keep no balance on credit cards, and just take basic care to keep the rating high so I can get lower interest rates when applying for credit. Two things happened this month : 1 ) I paid a {$2500.00} deposit on my wedding hall  on my credit card and 2 ) The XXXX XXXX clerk in the store, inadvertently thought I wanted to apply for a credit card, when I only asked to check if my existing XXXXXXXX XXXX card was still active. Once I realized they were processing a new card, I asked them to stop. I do not want another card. But that inquiry had already gone through. I only knew this because I got a email from Experian stating that an inquiry was made. I logged onto my Experian account and saw they had DECREASED my credit rating by XXXX points for this activity.. This, despite the fact that I maintain a high XXXX XXXX XXXX credit rating on a regular basis. Now I have to put my new car shopping on hold until I pay off this month 's balance ( again, something I do every month ) so that I get a better rate when they look at my credit score. My complaint is why are these reporting agencies allowed to make substantial changes to our credit ratings for MICRO activity that does not take into account someone's overall financial history and status?? Average Americans who do the right thing on a regular basis are constantly being hammered by these reporting agencies and it affects us financially. I would like to know what, if anything the CFPB can do to rectify this very disturbing and frustrating situation? 

I think this a problem ANY conscientious CONSUMER has and wholeheartedly agree to having my complaint published, but please remove my personal information. Thank you.

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 2021-01-29
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Started application XX/XX/2020 for a refinance, paid {$500.00} upfront app fee. Was informed process would be about 4-6 weeks tops. Maybe 8 weeks with COVID delays but never did we agree on a four month process. Little to no communication from Loan Originator, no real explanation for delay, emailed me in XX/XX/2020 that we are certain to close on the loan, yet still no information on status. Confirmed that everything is good but still no closing. I have provided everything they have asked of me the same day. Unable to get in contact with corporation, no contact with underwriting, inconsistent contact with loan originator. Recent email states company is facing capacity issue. Sending same documents month after month with no success. The process is deceiving. I have all emails of me trying to get answers that go weeks ignored, to then only turn around and ask me for the same documents over and over. I have all supporting documents for my claims in email format with personal information such as SS #, bank stmnts, ect, will supply if necessary.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is participating in deceptive practices I have reached out to the company numerous times about fraudulent accounts that are on my consumer report. I even educated them on the federal laws that they were violating and they still decided to violate my rights. 
They are in violation pursuant to 15 U.S code 1681 b permissible purposes. They are also in violation pursuant to 15 U.S code 1681i ( 5 ) ( B ) ( ii ) ( iii ) deleting items off of my report and putting them back on without sending a reinsertion letter. Furthermore, they are reporting an account on my report that is not only fraudulent but it is being reported incompletely because it has no account number. I've sent over my Ftc report that they said they could not accept I've sent over an affidavit of truth and i have sent my letter to them certified with a return receipt so I know they have received my demands in writing. Federal law also states that when an account is being reported as the fraud it needs to be removed within 5 business days but XXXX keeps telling me that they won't take it off. I already have enough evidence to sue XXXX in a federal courtroom for the multiple violations but I want to give them one last chance to fix there wrongdoing.

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 2017-08-11
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I previously address my concerns of First Federal Credit control services with the Better Business Bureau informing them that I did not have a signed contract nor any contract with First Federal Credit control services. I have never done business with this company, I am not liable for collection I do not have a signed contract nor any contract with First Federal Credit control services. I have never done business with this company, I am not liable for collection from First Federal Credit control services. I am not responsible for this debt from First Federal Credit control services. The Collections that are being reported to the credit agency are in the amount of XXXX, and XXXX. Better Business responded within the same day informing me that First Federal Credit control services are licensed within the state of Florida. This information is not accurate. Better Business Bureau responded with a license number For First Federal Credit Control XXXX XXXX this information is still accurate First Federal Credit Control is not licensed in the state of Florida

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email that Bank of America was unable to open a Bank of America Advantage SafeBalance Banking Account. I DID NOT ATTEMPT TO OPEN ANY ACCOUNT with Bank of America. This e-mail was dated XXXX2023. I do not want to open and account or do any banking with Bank of America.

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 2018-02-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Could someone with knowledge of Case # XXXX please update me on the status of this case. Called XXXX with this case number and your representative told me there is no case with this number and he can only check cases in his department. HOW DO I GET A UPDATE ON THIS CASE OR DID WELLS FARGO CLOSE THE CASE FOR AN APPARENT REASON. Also want to know why the XXXX that was sent to my address in error and than sent to my sisters address in error. Wells Fargo is telling me that my address was the address that the person who's name is on the XXXX gave them.  This person never gave Wells Fargo my address to send the XXXX to. If Wells Fargo would  research  this issue Wells Fargo could provide me with an explanation as to why this error occurred instead of blaming it on the person who's name is on the XXXX..  Also please inform me how long my checking accounts with Wells Fargo have been opened and the status of these accounts such as over drafts or any other problems.  I also want Wells Fargo to  be aware I have recently closed a CD at Wells Fargo due to the fact you failed to research this problem and treat your customers with respect. AGAIN THE PERSON WHO'S NAME IS ON THE XXXX DID NOT GIVE WELLS FARGO MY ADDRESS AND HE  HAD NO REASON TO SEND THE XXXX TO MY ADDRESS.  One recent example from one you your representative when I called on a case was " IF YOU DO NOT FAX WELLS FARGO THE INFORMATION I WILL CLOSE THE CASE. YOU ARE THE ONE DEMANDING THE INFORMATION.  Nice way to treat a customer of of over 40 years.  Thanks for you help.

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