BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage was sold or transferred to another company without any notice to me. I called today our mortgage servicing company ( SPS Inc. ) ( XXXX/XXXX/15 to make the monthly payment and was told that it was no longer with them ( SPS INC ) I was told it was now with XXXX XXXX XXXX XXXX, when I called XXXX I was told there was no loan with them. I called SPS back and was told that a letter was sent to me on XXXX/XXXX/15 we never received any letter from them or a letter from XXXX saying they now have our mortgage. On XXXX XXXX I called SPC Inc. spoke with our case manager XXXX XXXX, to inform SPS that I changed home owner insurance and wanted to inform them of the new company I was never told that our mortgage was transferred to another company. I received our loan statement dated XXXX/XXXX/15 for the XX/XX/2015 payment ( see attached ) the post mark on the envelope is dated, XXXX/XXXX/15. why would SPS send us a statement requesting payment to them for XXXX/XXXX/15?, SPS ; states that a letter was sent to us on XXXX/XXXX/15 saying our account was transferred to XXXX?? we never received a letter from SPS to this date nor have we received any correspondence from this so called XXXX XXXX. my complaint is, is it legal to do business this way?. Just who do we pay our mortgage to? we are trying to establish our credit status to apply for a VA loan this can do harm to our credit worthiness ( this is a FHA loan ) please help us resolve this issue. thanking you for your prompt response to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX acting on behalf of one of my investors, Citigroup Mortgage Loan Trust, has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because XXXX XXXX XXXX moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX decided to review my case again for possible modification and requested updated documentation, which was sent on XXXX XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on XX/XX/XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took XXXX XXXX XXXX 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification in XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
XXXX XXXX XXXX has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house.

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 2017-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I checked my business banking account this morning XXXX/XXXX/17 and noticed it was assessed an overdraft fee of {$35.00}. I had {$5.00} in my account and it shows that a transaction for {$6.00} is pending. I called customer service to let them know I will put the money in the account to cover the {$6.00} transaction before it posts as cleared. I also asked them to waive the overdraft fee as a courtesy since the transaction has not yet posted. I spoke to two representatives today XXXX/XXXX/17, neither of which were able to assist me. I asked for a supervisor and was placed on hold by a representative. She came back and said she had a manager on the line, but, he refused to take my call, so she would try again and placed me back on hold. My being Shocked is an understatement. She has since left me on hold. I have been on hold for more than 25 mins as I type this complaint from my smart phone. 

The overdraft fee shows that is has posted and cleared yesterday XXXX/XXXX/17, but the actual transaction is still in the pending status. This means I was assesed a fee before the transaction cleared. I should still have time to put the {$1.00} into my account to cover the {$6.00} transaction without incurring a {$35.00} fee. Total call time is now 45 minutes, and I am still on hold as I type this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-03
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed a dismissed Chapter XXXX Bankruptcy ref # XXXX with Experian credit reporting and they say they have verified and it remains on my credit report and I know they have not verified the dismissed bankruptcy nor will they provided me with the verification of where and how the information was verified and I would like for it to be removed off my credit reports. According to the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. In Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from 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 explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I took my covid check and used it o pay off medical bills. on XX/XX/20 I filed disputes on 3 entries that had not been removed. XXXX  and XXXX  did the investigation found the entries to be erroneous and promptly removed them. Equifax " said '' they did an investigation and found these debts to be valid. Since I had paid them I contacted the collection agencies. The collection agencies informed the had a record of being contacted by XXXX  and XXXX. They DID NOT have any record of Equifax contacting them. How could Equifax do an investigation without contacting the collection agency or the original creditor? As of today they refuse to even tell me how it is possible to conduct an investigation without contacting the creditor. Maybe you can get the answers they refuse to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: BB&T CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a loan with Regional Acceptance for an auto. On XXXX I filed for bankruptcy. This account has been reported delinquent since XXXX. I have contacted the bank by phone and they directed me to put it in writing. I put my concerns in writing and heard nothing. I then did a follow up phone call and was told to put in writing again. Which I again have done. My account is being reported as a charge off when it was n't a charge off at all it was a bankruptcy. It is also being reported as follows : XXXX reports account opened XXXX/XXXX/XXXX. balance XXXX. Last updated XXXX/XXXX/XXXX. Last payment made XXXX/XXXX/XXXX and account closed XXXX/XXXX/XXXX. How can I make a payment in XXXX and the account close in XXXX? Also no report of late payment from XXXX to present. Regional acceptance reports to XXXX the following. Date opened XXXX/XXXX/XXXX. Last reported XXXX/XXXX/XXXX. Included in bankruptcy. First major delinquency report XXXX. Months reviewed XXXX. First delinquency XXXX. XXXX reports the following from Regional Acceptance. Date opened XXXX. Reported since XXXX. Date of status XXXX. 60 months XXXX payment. balance as of XXXX is XXXX. Shows payment history with 30 day late being XXXX. Regional acceptance is reporting whatever it wants to report and not verifying the information. I have disputed with credit bureaus who do not do thorough investigation and only update information provided by regional acceptance. I have also phoned and written Regional Acceptance and nothing is being resolved. They are also reporting as a charge off. So basically the account is over 7 years delinquent, included in bankruptcy and a charge off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XX/XX/XXXX my XXXX mortgage was taken over by Greentree Mtge. I sent a payment to XXXX and then Greentree said I had a payment of NSF. I sent you a complain back in XX/XX/XXXX about this. Since then Ditech has taken over for Greentree, still telling me I owed this money. I recently sent them a copy of a cancelled check cashed by XXXX. Now I received a letter stating they did receive this money and are now picking a new date telling me I had non sufficient funds XX/XX/XXXX, which I did not. I have my bank statement showing my payment. I have seen so many complaints against Greentree so now I assume by changing their name to Ditech, it 's no different. I have statements and statements showing all my payments. I have never ever defaulted on a mortgage payment and these people keep harassing me. Someone needs to do something about this. I just faxed them my bank statement from XX/XX/XXXX showing the two payments made, neither are for the amount they are claiming was return from my bank, both payments were for more money. Please help and stop these people from harassing me. I owed so little on this house and they are threatening me with foreclosure. How does a company like this stay in business???

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We refinanced our mortgage in XX/XX/XXXX. We are just finding out NOW, 14 years ago, that satisfication of mortgage was never recorded at the county. It seemed very strange that we had refinanced XXXX times since XX/XX/XXXX with XXXX XXXX, but apparently this was missed - THREE times. After speaking to XXXX XXXX to ask why a title search was never done, they said that is the title companies responsibility ( which seems rather puzzling thinking this is what we paid closing costs to have the confidence that the tiltle had been searched ). 
The servicing company that we had previously was called XXXX XXXX. It took me months to go back 14 years ago to find this information. Would have been a lot easier to track a year later when refinanced in XXXX. XXXX XXXX is out of business and merged with a company called XXXX XXXX XXXX. XXXX XXXX XXXX changed its name to Seleect Portifolio Servicing. This company ( Select Portifolio Servicing ) is who we have been trying to get this satisfaction of mortgage from. Even though this shows paid in full on XX/XX/XXXX on our account - no one seems to be moving on this, calls me back, etc. even though I have requested escalated status and call several times a day ( several supervisors who never call me back ). We want to take out a small home improvement loan and we are not able to do this since this lien still shows on our title. It has been a nightmare dealing with this for the last two months. Is there a law in MN that this needs to be released in 60/90 days. We are at 14 years and STILL waiting. 
Please help ... ..thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received numerous letters requesting payment for an XXXX XXXX XXXX bill that is overdue. However, I have never received any such bill from XXXX XXXX XXXX. When I called to discuss the matter, I confirmed all the information on the " letter '' they sent me but would not give any other personal information. When I refused to give information that was not on the letter the company sent, the call was terminated by the customer service rep.

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 2017-03-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, I refinanced my mortgage with XXXX for XXXX. On or about the end of XX/XX/XXXX, we fell delinquent on our mortgage. My wife and I applied for assistance with the State of Pennsylvania, our application was approved and XXXX brought our mortgage current. At the time, we signed a note for approximately {$28000.00} ( which I am currently repaying ) and it is my understanding that this brought my mortgage fully current and my balance with XXXX was now {$220000.00}. Within 30 - 60 days of bringing my mortgage current, the loan was sold to Select Portfolio. Soon after Select received my mortgage, my mortgage was current but they contacted me to tell me that it was their policy that my property taxes and homeowners insurance would need to be escrowed. My wife and I were fine for several years, I was not delinquent but I am not sure that an escrow account was established as there was no change in my payment. In XX/XX/XXXX, my daughter passed away. I was on a fixed income and I was responsible for yet another funeral and I decided to contact the mortgage company to see if there was anything I could do to reduce my payment. Over the phone, the specialist was able to reduce my mortgage to {$230.00} from {$1500.00}. That is the amount that we began to pay on or about XX/XX/XXXX. I was under the impression that Select had established an escrow account and this was my payment. My wife died in XX/XX/XXXX, in XX/XX/XXXX, I received a notice that Select Portfolio needed to modify my mortgage because the escrow account was behind XXXX dollars. This was the first I knew that the escrow was behind. The balance of my mortgage went from {$220000.00} to {$250000.00}. They did help me modify the mortgage and my principal and interest payment is now {$330.00} and the escrow was approximately {$400.00} bringing my payment to approximately {$740.00}. I did not understand why my mortgage payment steadily increased though apparently it is the result of my escrow continually increasing. My question is how is my mortgage balance increasing when I am making my payments. In XX/XX/XXXX I received a call from a company called XXXX FL XXXX. According to a gentleman named XXXX, they had evidence my mortgage company Select Portfolio was mishandling my account and that if I could pay a fee of {$1500.00}, I would have the deed to my home free and clear. I was able to pay them {$400.00}, but they could not help me if I did n't pay the rest of the funds. I sent them my statements from both XXXX & SPS for that time period. Is it possible that there is a violation? I have not heard from XXXX since that time. I really just want to understand what has happened and if the balance of my mortgage is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last year my original lender sold my mortgage to Ditech.com. At that point the existing property taxes and insurance had been paid. From that point on my property taxes did not get paid. I notified Ditech that no taxes had been paid, but nothing was done until I wrote a formal letter. When they did finally pay them, they performed an 'escrow analysis ' that passed on the cost of the fees and interest charged by the county, and increased my mortgage payment $ XXXX/month. I spoke to my county treasurer 's office and they told me that what Ditech was doing was totally unethical - that my loan was up for lien last XX/XX/XXXX and I was just lucky that it was n't purchased. Also, as I understand the law, Ditech is responsible for any fees and interest charged due to their mistake. Through research I 've been doing online, I have found that this is a regular pattern of behavior for Ditech, and that this was no mistake at all, but seems to be a standard practice that is happening on a much broader scale. If they are doing this on a larger scale, that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX A has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Loan Owner : : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Series I am repeatedly denied requests for loan modification by Loan servicers due to language in the PSA 'Loan owner does not authorize loan modifications ' Loan owner XXXX backed XXXX , XXXX XXXX XXXX XXXX for XXXX Mortgage pass through certificates '. All historical and current servicers ( XXXX, XXXX, XXXX and SPS ) of my mortgage that originated in XXXX by XXXX indicate the same. None of these servicers have contacated XXXX XXXX backed XXXX on my behalf requesting a waiver allowing me to modify my mortgage. When i contact XXXX XXXX, XXXX as the 'trustee ' they indicate that they do not have the authority to provide permission to modify my loan and refer my back to the service. the servicers will not provide me with contact telephone number nor contact name at XXXX XXXX backed XXXX so that I can reach out on my own behalf. the last filing of XXXX XXXX backed XXXX XXXX was in XXXX with the SEC. I have been informed by historical servicer that my loan was not propoerly securitized and that there is evidence of fruad. XXXX XXXX backed XXXX is a subsiduary of XXXX. My current servicer is Select Portfolio Services ( SPS ). My loan note and mortgage still indicate that XXXX as the originator from XXXX even though XXXX ( aka XXXX ) is no longer in business. XXXX and XXXX were purchased by XXXX. XXXX was dismissed as servicer by XXXX XXXX, XXXX in XXXX at which point i was tranbferred to SPS. Loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian reporting of XXXX XXXX reflects a foreflosure. this was a short sale of the property done on XX/XX/2013. this is not reported accurately

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