BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing this because I need a lot of help. I modified my home loan with SPS loan number XXXX property address is XXXX XXXX XXXX, XXXX XXXX XXXX. I did my first modification in XX/XX/XXXXXXXX  XXXX XXXX gave me a 5 year modification and my payment was going to stay at the low payment of 1800 approximately and XXXX for the life of the loan after the 5 years. However In XX/XX/XXXXXXXX XXXX from XXXX XXXX  called me and persuaded me to do a new Modification in XX/XX/XXXXthat took me out of the 30yr plan i had before. The payment did drop the payment a little but the bigger problem was that it gave me a variable loan again starting this year with no 30 year option. After I did my second loan modification I was told my loan was sold to SPS Servicing and its been a mess dealing with them. 

I was advised by my new loan officer that starting XX/XX/XXXXmy payments jumped up to {$4200.00} instead of the {$1600.00} that I was used too. I cant make that payment!! I am already late for the month of XX/XX/XXXXbecause I didn't want to believe that my payment went up that high and now at the end of XX/XX/XXXXill be 2 months late. I'm XXXX years old when XXXX called me in XX/XX/XXXXI was XXXX I am too old to be convinced of something that is not good for me. I wish I would of never answered that phone call from XXXX telling me that they had a better modification for me. 

So the new Loan officer I have says that I qualify for A Veterans loan I am a Veteran of the XXXX. However now that I have this new 30 day late on my mortgage I don't think I qualify to do a home loan anymore. I am going to loose my home, I honestly don't know what to do if that mortgage late hits my credit. The rate jumped up from 4.5 % to 7.5 % that is way to high, I can not believe that a bank would do this it seems like they want me to loose my home. The VA loan would give a 3.875 30 year fixed with no Mortgage Insurance the payment is perfect to what I can afford. I am XXXX years old please help me I am begging you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXXXXXX XXXX XXXX XXXX {$90.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2018-07-12
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX XXXX and my XXXX XXXX XXXX phone broke so I sent it in so they could send me a recovery phone. I never received the new phone and they sent me a letter saying they never received my phone. 
Now Im seeing on my report that I have a {$710.00} collection for said phone Im assuming. 
I ended up switching to XXXX XXXX after that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have told this company on several occasions I do not owe this debt and it was paid. They are not the rightful owners. I never received anything regarding this matter until 7 years later when it showed up on my credit. The company keeps going in circle when I tell them to show me proof I owe this debt. The original owner have sold this account to several different third parties but no one can show proof the own this debt and sign any agreement to owing this debt. The company is a fraud and have had several lawsuit against them because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I banked with chase for over 10 years. I still have a XXXX  card ( chase XXXX  ) and also mortgage for my house ( balance about XXXX $ ). 

However, out of the blue the bank closed my personal bank account balance about XXXX $ and the combined account with my wife about XXXX $ on XX/XX/2021. 

Both me and my wife have gone multiple times back to the bank or called the contact provided so that I can get the funds that were in my account but have so far failed. 
They claim I am under investigation so they can not release my funds but can not even tell me or my wife what it is about. 

I did have credit cards with chase from the airlines personal and hotel cards. those were all closed and had XXXX balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I just recently submitted a dispute to Experian Credit Bureau on XX/XX/XXXX. They have just notified me on XX/XX/XXXX that the dispute has been updated and the results are to stay the same. XXXX XXXX XXXX ( a collection agency ) has been negatively reporting on my credit a balance of {$2200.00} since XX/XX/XXXXof XX/XX/XXXX. I have made numerous attempts to remove this false report since then which includes : contacting the realty company that initially sent the debt to XXXX XXXX XXXX, contacting the collection agency via phone and by mail, and several disputes with my credit bureau. XXXX XXXX XXXX   and the realty company is claiming that I did not provide sufficient notice of my move out date. I have provided sufficient evidence showing that a notice was provided and that all fees were paid prior to move out date, however, this claim keeps getting rejected. Due to this false claim, I was forced to move into second chance leasing where I have encountered several dangerous situations and it is preventing me and my family from being in a safer neighborhood.

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 2021-10-21
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: TX
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 disputed the XXXX collection account # XXXX with XXXX, XXXX  and Experian as a fraudulent account. All bureaus except XXXX have removed this fraudulent account from my credit report and XXXX  has never replied to any of my multiple disputes. 

I also disputed the XXXX XXXX collection account # XXXX with XXXX, XXXX  and Experian as a fraudulent account and neither bureau has removed this fraudulent account from my credit report or replied to any of my multiple disputes. 

My disputes included a dispute letter to each credit bureau, Police Identity Theft Report, Notarized Fraud Affidavit, social security card, drivers license and 2 proofs of address.

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 2018-03-16
Company: Diversified Consultants, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep calling about a debt they bought from the original creditor. I have no legal obligation to pay them. No contract is validated between myself and Diversified Consultant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An unauthorized wire transfer for {$6500.00} was taken from my business account on XX/XX/2020. I filed a complaint on XX/XX/XXXX when I discovered it. Since then I have spent countless hours on the phone and at the branch trying to get answers and all they have told me is that the bank the funds were wired to does not respond. Now they have told me to file a police report. I received these funds from a client to finish a project and now they are gone. My bank has been no help because they released the funds but refuse to return them. It has been almost a month and I have nothing. To make matters worse they are charging me for the wire transfer and for ensuing overdrafts. I have filed a case with the Office of Comptroller of the Currency but this can take quite a while and I need these funds returned.

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 2018-11-21
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a line of credit on our home and was informed that there was an open lien on the property from XXXX. When we researched this on the XXXX XXXX County Recorder of Deeds web site we discovered there was a mortgage that was not showing as satisfied. Through weeks of research and back and forth with XXXX XXXX  and Ocwen we are unable to resolve the issue. XXXX keeps saying that it is Ocwen and Ocwen say that they are only responsible for loans after XXXX. XXXX is the company that placed the letter of satisfaction on the incorrect loan back in XXXX. Please help us with this. We have done nothing wrong. Always paid our debts and now we can't get a line of credit because XXXX filed a letter of satisfaction on the wrong instrument number. Please see latest email chain below with more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: LEXISNEXIS
State: MS
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 contacted Lexis Nexis regarding a public record. They told me the information was verified but did not tell me how. According, to the FCRA this information have to be provided with physical documentation. Also, this information have to be verified with the courts and the courts have to verify it. Third party sources such as XXXX does n't count as verification. I ask if could be removed Upon viewing my credit report I found many inaccuracies and they refuse to remove it from credit report that 's violating FCRA I 'm in the market to purchase a home and need these removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX month in XXXX the car was finance at XXXX XXXX ( XX/XX/XXXX ) 26 % interest rate. I have calculated every payment sent to Santander Consumer USA total XXXX as of today. Every payment I made my balance was getting higher not lower. The payments I push I still made payments that month. Santander taking my payments placing them toward the interest of loan or split payments. Some payments I will send certified checks for XXXX still balance not going down requesting extra payments go to principal. Santander say I owe another XXXX plus another 6payments will be {$2900.00} payoff is XX/XX/XXXX. There is a class action lawsuit against them taking advantage customers giving high interest rate. Knowing you will default on loan, file for bankruptcy, late payments, and or vehicle be repossessed. I constantly have file disputes with all 3 Credit bureaus because Santander has reported several time my payments are late when they wasnt. Hurting my credit scores. Just recently my credit was close to XXXX. My credit went down 21pt because Santander reported my payment late for this month and last month. That was corrected but I'm still suffering. XX/XX/XXXX Santander still was saying I owe XXXX. I have send 3 certified letter requesting a audit on my account with audit lawyer. Santander still havent returned my phone calls. Santander threat with certified letter to repossessed the truck final payment XXXX the final payment do not match what is owed XXXX. 

Start sending extra payments XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX Total payments I made XXXX as of XX/XX/XXXX Santander agent XXXX I spoken to on XX/XX/XXXX I requested again audit on account. She states that I paid on record call XXXX interest XXXX principles XXXX late fee Payoff XXXX remaining XXXX total payment on a XXXX car XXXX finally given me information for class action but I learn when I called I wasnt added. Santander has Loan Forgiveness and Car Title and Deficiency Waivers which they are not giving me information about it. 
SantanderconsumerUSA.com/topic/agsettlement.com class action lawsuit New pay off date XX/XX/XXXX XXXX Balance as of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
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: Problem with personal statement of dispute

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2020-04-28
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have received 4 deposits from unemployment and. i have been calling since XX/XX/XXXX to get a replacement card and there is no answe with us bank relia card. I have been on hold more than 15 times for more than 2 to 2 1/2 hours and the call is disconnected as if someone is hanging up the call. I am no longer able to check my balance with the automated system using my phkne number the card was issued initialy around XX/XX/XXXX and i have not used it since XX/XX/XXXX and i am unable to get through with a agent and or chat online to receive a replacement card. I use the option to report the card lost or stolen via the automated system and never can get through I have no online access to view my information. I am unable to chat with a virtual assistant. I am in need if my money to pay bills and live my daily life. i have called several numbers for us bank relia card and still have not bewn able to receive a replacement card. I feel that employees may be  picking up the line then transferring the calls while on hold i hear music then silence then more hold music. Please 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
Consumer complaint received 2021-10-21
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I found that I had a collections account from Knight 's Adjustment Bureau on my credit report for {$1000.00}. 
I contacted Knight 's AB and was told it was for a debt with XXXX XXXX XXXX. I told them I had proof of payment and disputed the charge. Knight 's AB sent me their documentation of the debt, which showed a principal amount of {$770.00}. 
I reviewed the debt and sent documentation of my insurance payments and personal payment, which showed a difference of {$57.00} ( between the allowable potion of the insurance and my payment ) and again disputed the debt and requested the collections be removed from my credit report. 
I also disputed the collections with the Credit Bureaus, but only one removed the debt. 
I then received another letter with documentation showing XXXX had " billed '' me in XX/XX/XXXX ( after I had returned the medical device in XX/XX/XXXX ) for a full sale at {$740.00}. It also states that the allowable sale amount of the device was {$870.00} and they applied {$73.00} in payments for an outstanding balance of {$800.00}. 
None of the documentation they provided shows the principal amount of {$770.00} which they are using to report to the credit bureaus. 
When I asked why they couldn't provide documentation of the amount they told me I had to talk with the original debtor. I don't understand how a collection agency can continue to collect a debt and just wash their hands of any responsibility of whether the debt is valid, especially have I provide proof of payment and show what their documentation doesn't match the amount being collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: CL Holdings LLC
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:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Identity was stolen recently and all my accounts and everything was frozen. I was unable to make any payments or do anything at the moment so I notified Navy Fcu what was going on and they stated they could not help there was nothing they can do that they would be reporting me late to the credit bureaus. They have been unwilling to help me with anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime bank closed my account months ago. I've asked them to reprint my check ( about XXXX dollars ) to no response at all. I'm XXXX XXXXith XXXX just floating in a XXXX bank instead of not sleeping outside this winter. Your welcome for this infantrymans service XXXX. I want my XXXX money. I want this bank to stop ignoring my XXXX XXXX complaints. Wire my XXXX XXXX  monet to me now

Company response to consumer: Closed with explanation