BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
SPS Servicing also known as Select Portfolio Servicing, Inc. constantly requests for documents and are always unsatisfied with requested documents when submitted. They are not willing to offer me a payment plan after the pandemic hit. They are not willing to make any kind of offers but to trick me by saying that the package I submitted was completed and a couple of days later, it gets rejected. This has occurred multiple times and has not ended. I am not looking for the loan to be forgiven, but to have options of paying for it. Now they are not allowing me to make any payments, putting me further behind into debt. This company has returned my payment of {$2000.00} mortgage payment and sent me a notice to pay the full amount in order for them to accept it. I have made them aware I was facing hardship because of the pandemic, along with being on military orders while facing divorce proceedings. This heartless and unethical of them to try to trick and block homeowners from paying their bills on time and the case XXXX is not truthful and always says my case is pending and under review for resolution. Nothing else is ever needed when asked if there was anything else required, but rejection notices always seem to follow shortly after. This cycle just repeats and now I have been referred by their attorney for foreclosure proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being bombarded with calls from Midland Credit. When I block one number, they use another I own my home, and my car, and have NO unpaid debts. These people have been hounding me for over 6 months, maybe longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX has violated my rights. 



Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX. XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX. TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX. XXXX/XXXX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-03
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently applied for a Discover card online with my married name XXXX XXXX instead of XXXX. A week later after I was approved, a security hold was placed to verify my identity. As the process, had to request tax verification from the IRS and supply several identity documents ( Marriage license, bank statement, tax returns ) and a notarized statement about myself. This process was rigorous and inconsistent. Last month, I got an e-mail that my account was canceled because I didn't submit my documents. After speaking with the account security team, a statement was sent to them twice and the company canceled the card because they received the same bank statement. I didn't get an e-mail or a phone call about this and I had to call Discover Card weekly and they didn't state any additional updates two weeks before account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
RE : Wells Fargo 1st. Mortgage loan # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and EquityLine w/ FlexAbility : # XXXX XXXX XXXX XXXX XXXX XXXX Home located at : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WA XXXX My husband XXXX XXXX XXXX died on XX/XX/XXXX. 

Wells Fargo held both our mortgages. There were two loans against the property. The first mortgage which was in both our names, and a second loan which was an equity line of credit in XXXX name only. 

XX/XX/XXXX I communicated XXXX death to Wells Fargo and started the process of removing his name from the mortgages via loan modification. During this process I asked if we had insurance on the mortgage against either of our deaths. I was told that there was no insurance. I requested that the loans be consolidated. I was told repeatedly that the equity line of credit account had been written off/forgiven and that I did not have to make any further payments. 

The first loan was modified. 

Subsequently, there has been a circus of mishandling the equity line of credit involving Wells Fargo lying to me constantly about whether the loan was written off or not. Eventually, the home was put into foreclosure. 

Now after three years I have been told there was insurance after all and that the equity line of credit has been paid off and the balance is XXXX  and the lien has been released. Hopefully that's true, but I haven't seen it in writing yet. 

OK now my complaint is that I was wrongly told there was no mortgage insurance and was put through XXXX and expenses I could not afford. Furthermore, I believe a the time of XXXXXXXX XXXX death, we had insurance against the first loan as well. Since Wells Fargo was negligent regarding insurance on the second equity line of credit, they were probably wrong about the first mortgage. 

Please conduct an investigation into the mishandling of my mortgages after the death of my husband, Please determine whether I had mortgage insurance at the time of XXXX death on both loans and whether the first mortgage should have been paid off by the insurance company prior to modification. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i unfortunately had to close a business that i had for many years due to a few big losses during covid. I didn't realize i had a personal guarantee, wasn't informed I had a personal guarantee till the 5th month. when they reported me late on 4 payments. this has caused me irreparable damage. once informed I caught them up immediately. the damage was done and is still being done. I've never missed a payment before this .so when it was reported that i missed 4 all my creditors freaked out and started lowering my available credit one then caused the next to do the same even thou I've paid off over XXXX in debt its still showing 55 to 60 % usage cause of this misreporting. this is a business card that was never XXXXne my report but even though its caught up still shows up on my personal report. the way the bank handled this was underhanded and sneaky i have XXXX 's of XXXX of dollars going thru this bank from other accounts i have and no one wants to listen to me. i understand what a personal guarantee means and didn't know this account was set up like this otherwise i wouldn't have ruined my perfect payment history i would have just paid it and marked it up as learning lesson but this has gone way beyond that at this point please help get this removed from my personal report it is business and not personal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Lending Club Corp
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, I was contacted by Lending Club who I recently filed a complaint with you about regarding my identity theft. They failed to report back through you with a very threatening email. On XX/XX/2022 I received an email from XXXX XXXX XXXX giving me a deadline to respond to within 15 days when in fact they should be communicating to you at the CFPB. This is an example of their unethical business practices and how they chose to ignore what I've been communicating for years. 

I responded back to XXXX XXXX asking him to only communicate to you at the CFPB. This account was a part of my identity theft and they are continually choosing to destroy my creditworthiness with an account they no longer own. I keep asking that they please follow FCRA reporting act with regards to furnishing information that is untrue. 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: United Shore Financial Services, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I made timely monthly payment in XXXX and XX/XX/XXXX as I have from the start, XX/XX/XXXX, yet this company find the need to send me DEFAULT Letter today after I filed complaint last week and as they hold in ( unapplied ) approx XXXX in payment I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2019-10-02
Company: Avant Credit Corporation
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 have a loan with AVANT. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX  and XXXX with no successful resolution. There was definitely an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
My PaypaXXXX account was suspended and my funds are being held for up to 180 days in contradiction with their own User Agreement. 

This happened on XXXX : The message that I got after my account was reviewed was and I quote : " We've reviewed your PayPal account again, but we're still unable to make the money in your account balance available for withdrawal at this time. 
This is because we must allow sufficient time for buyer complaints, such as chargebacks, to be opened by customers who've sent you money in the past. These can take several months to be reported and resolved and because they can result in financial loss, we need to leave money in your balance to cover any such eventuality. '' This is also the reason stated in their User Agreement. 
I insist again, for the review team to reconsider my release of funds as the above condition does not apply to my account any longer because : -There was only one person that sent money to my account and they used their Paypal balance, so there is no posibility of a card chargeback for any transaction made to my account as they did not pay with any card or bank account. 
-All transactions made to my account has been already disputed and all cases were decided in my favor so there is no longer a risk of any case or dispute being open for any of my transactions, and so the risk for a financial loss to Paypal is no longer a factor that exists. 

My funds are now being held beyond the reason for witch they were being held, again the 180 days hold is to allow for any chargeback and/or disputes to happen, but chargebacks can not happen as explained above and all possible disputes already happened and they were settled for all transactions made to my account.

The Paypal company now holds my money in contradiction with their own User Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My Paypal account was compromised in XXXX XXXX. Credits and debits were issued between Paypal web and Paypal credit to offset the fraudulent purchase, but one of the two entities issued credit and did not properly offset the entry leaving my online account with a credit balance ; thereby, preventing me from using it. 

Paypal web has harassed me by sending text messages, emails, letters and phone calls asking for payment for a dollar amount I dont owe. I refused to make the payment because thats extortion as my Paypal credit account is paid in full. 

Due to the lack of payment, Paypal web has continued to block the use of my online account. 

Ive called Paypal web and Paypal credit numerous times to resolve this issue, but the only response Im getting is finger-pointing from both entities. In addition, Paypal web has given Paypal credit XXXX  days to resolve the issue leaving me without the use of my online account due to an incorrect credit balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-02
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to XXXX from XXXX XXXX XXXX. Loan number XXXX. Now the service of the loan originally done with XXXX has a fixed rate and no adjustment and max late fee of {$28.00}. I get my XXXX check on the second Tuesday of each month and make my house payment. Now this is being mail to different services address so I have no idea when they receive it. This company Shellpoint is attempting to charge some fee over {$500.00} for late. They need to follow original loan. And have only been with them for a few months but major problem with amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
- XXXX XXXX XXXX XXXX ( also referred to as " the person '' ) Inquired to Experian on XX/XX/2023 and again on XX/XX/2023 to obtain information on this Consumer to solicit for marketing purposes ; - This Consumer 's data profile indicated a pre-approved offer " up to XXXX '' for the Cash Rewards MasterCard was warranted ; - The marketed offer of XXXX was accepted by this Consumer on or about XX/XX/2023 and a Hard Inquiry limited to Experian was granted and made by XXXX XXXX XXXX XXXX XX/XX/2023 ; - After the inquiry, the person did in fact defraud this Consumer by claiming the offer was now XXXX ; - Further investigation revealed the first false representations with the intent to defraud was found in very fine print on the reverse side of the solication offer where it did in fact state " You are pre-approved for an XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX a limit of at least {$300.00} '' ; - The person intentionally made the actual initial offering amount unclear and inconspicuous ; - Was the offerred amount XXXX or {$300.00} because the XXXX was highlighted front-and-center while the {$300.00} was hidden ; - Next supporting FACT as displayed on their website was the Welcome Offer or the then current 'Bonus Reward ' stated " {$150.00} Bonus Reward when you spend {$1500.00} in the first 90 days*** '' - Thus accepting this new lower unfavorable offer would potentially lower this Consumer 's prime credit score to subprime because using this card would cause high utilization under the FICO 8 scoring model used by the consumer reporting agency used to verify this consumer 's credit risk and/or worthiness ; - Subprime scores triggers higher interest rates which increases the person profit ( s ) - The person obtained this consumer 's consumer report under false pretenses through intentional misrepresentation to lure this Consumer into a Predatory Credit Card 'credit line ' and then proceeded to perform Credit Discrimination to justified the change in the pre-approved offer amount ; American Heritage Credit Union has violated Section 619 of the Fair Credit Reporting Act 15 U.S.C. 1681q Obtaining information from Consumer Reporting Agency under false pretenses with the intent to defraud this Consumer.

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 2020-03-04
Company: LD Holdings Group, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I had an conversation with someone whos a loan officer and I never once gave him permission to run my credit.he had it on file from previous encountered but I never once gave him permission this time to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my XXXX account on XX/XX/XXXX but it was reported delinquent XX/XX/XXXX for some reason and this is reporting negative on my credit.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
All of my information has disappeared from the Experian website when i would login. I also had myfico as well to see all 3 of my fico scores at the same time as i check my credit very frequently since i am in the process of trying to get pre-approved for a mortgage. Now when i login it says i have no credit except for one collection account. I am attaching a copy of the last report i pulled from Experian 's free version. 

I literally just got off the phone with a representative inquiring as to what happened to my info. i called the XXXX and kept asking for a live rep to speak with and after the guy said it was nothing he could do, he hangs up on me after i asked if i could speak to a supervisor. I have attached my credit reports that i pulled last month. I am tracking my scores because i am trying to get approved for a mortgage and the lender is going to re-score me once i pay down the balance on the 5 credit cards i currently have but i see nothing on Experian at all. I even tried to go on that annualcreditreport.com and see if i can see it on their and still nothing.

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