BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Servicing is attempting to alter the original terms of the mortgage. 
i currently have a {$10000.00} home insurance deductible and SPS is requiring that I rework the insurance policy to lower the deductible to {$5000.00}. The {$10000.00} deductible also covers all contents within the home. The current assessed value of my home is {$970000.00} but the mortgage balance is {$400000.00}. 
This mortgage originated 10 years ago and met all insurance requirements. mortgage was bought and sold several times. SPS is the only company requiring I alter my insurance policy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Resurgent Capital Services L.P.
State: WI
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:
I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent 5 letters and I'm not getting any help with my credit reports. 
I am having a few problems with XXXX because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and XXXX is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. 

# 1 Problem with XXXX is I sent a letter to XXXX on XX/XX/XXXX asking them to remove someone else name and date of birth from my credit report and they did not delete the incorrect names or birthdays. I sent my driver 's license and utility bill so they can correct my name, birthday and address and XXXX FAILED to make the corrections. My credit report dated XX/XX/XXXX is attached still showing someone else name, birthday and addresses on my credit report. I want this deleted right away! XXXX has no excuse to have somebody else information on my credit report. 

# 2 Problem with XXXX is On XX/XX/XXXX I sent XXXX a letter and a copy of my credit report with my driver 's license again because someone else accounts are on my credit report. XXXX claimed they verified this but it's impossible because I know for a fact the account not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit 4 times and I never been to XXXX XXXX of Wisconsin. I also wrote to XXXX and XXXX XXXX because this account also belongs to someone else and XXXX and XXXX is still ignoring me. 

# 3 Problem with XXXX is 2 Collection accounts LVNV FUNDING XXXX is showing 120 days late. LVNV FUNDING XXXX also showing 120 days late on my credit report. I wrote to XXXX and asked them to delete this and again, my letter was ignored. I wrote to the collection agency also and asked who the original creditor is and how are they reporting a collection account 120 days late because I know I read something that said a collection account cant be reported late on a credit report because thats against the law but XXXX and LVNFUNDG ignored my letters. My credit report is still showing this collection account as late. 

# 4 Problem with XXXX is that I sent XXXX another letter on XX/XX/XXXX about the accounts still being on my credit report after I provided proof that the accounts couldnt be verified accurately and my letters keep getting ignored. XXXX did not respond to my letter and none of these collection companies responded to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: PNC Bank N.A.
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have permanently opted out of financial solicitations by following the directions for pre screen opt out and submitting that removal in writing. It has been successful in that I no longer receive solicitations. However, since opening a loan account with PNC Bank XXXX XXXX XXXX, they send me credit card solicitations at least monthly. I have called them each time and requested removal. They have either pretended to cancel or directed me toward the opt out steps ( which I took years ago. ) They are harassing me and will not respect my request by phone to be removed from their solicitation list. It is a waste of mail and time. They send XXXX copies each time - me and my husband. They may even be committing a crime by soliciting to someone who has permanently opted out of pre screen credit card offers. No amount of begging and pleading by phone has gotten them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Their investigation did not fix an error on your report

Complaint:
I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from XXXX XXXX should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX years old and not XXXX my credit file incorrectly shows. I ask that XXXX, Transunion and XXXX update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge. Please delete portfolio recovery, XXXX and XXXX XXXX XXXX those accounts do not belong to me.

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 2022-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX agreed to send me my title and correct derogatory credit reporting in agreement to dismissed court case. And did not hold up to their end of the signed agreement. And reported negatively on all 3 of my credit reports. And had vehicle repossessed. After court cased settled out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Account paid on time and in good standing

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 2017-01-20
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was a student at the XXXX in XXXX Texas I was affected by the sudden closure of the school that took place on XX/XX/2016. I was a new student my start date was XX/XX/2016 I was in my words " conned '' into signing a private school loan for the total of {$14000.00} with a XXXX % interest rate from a private loan company ASFG ( American Student Financial Group ) also known as XXXX of XXXX. I have been in contact with several women at the ASFG office XXXX on trying to have this loan cleared as I feel they have breached the contract but keep getting no answers and only being told I have to repay all the money and interest. I was only in school for XXXX weeks which was a total of XXXX school days I received nothing at all from XXXX of XXXX. I did not get to finish my first term due to the school closure. There for I was told I did not get any credit for my time nor did I qualify for transcripts due to not finishing my first term so I get no credit and no transcripts. I am being left with nothing but this loan I feel as if I am being robbed I have nothing to show for this loan but tears and stress this can not be okay. I am now receiving debt warning letters from a company named XXXX ( XXXX ) stating I am defaulting my loan obligations and need to repay this loan and interest. I made a total for XXXX payments when I was an active student the first was for {$100.00} and the second was for {$150.00} I have receipts and all fitting documents of my time of enrollment the ASFG company continues to tell me that this is my problem and obligation. I am reaching out for help or some guidance on what I can do to help clear this loan this can not be okay please help me. 
Thank you for your time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: WI
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 want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent 5 letters and I'm not getting any help with my credit reports. 
I am having a few problems with Experian because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and Experian is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. 

# 1 Problem with Experian is I sent a letter to Experian On XX/XX/XXXX22 and a copy of my credit report with my driver 's license because someone else accounts are on my credit report. Experian claimed they verified the accountss but it's impossible because I know for a fact the accouts not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit but I never been to XXXX XXXX of Wisconsin. I also wrote to Experian To let them know these accounts not mine XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX THESE accounts also belongs to someone else and XXXX, XXXX XXXX and XXXX XXXX ignoring me. 

I sent another letter on XX/XX/XXXX22 to Experian asking them to remove these accounts from my credit report and they still ignored my request. 

XX/XX/XXXX2022 I contacted XXXX XXXX, XXXX XXXX and XXXX myself asking them to send me information on these accounts so I can find out how somebody else accounts get on my report and the information they have in their files about these accounts and the companies ignored me. I need these accounts to be deleted from my credit file because they are not mine and these companies won't send me any information about these accounts but they keep putting it on my credit report every month. 

ON XXXX XXXX, 2022 I wrote another lettre to experian letting them know I contacted these companies and didnt get a response or no paperwork from them to validate the accounts so I don't know how they claim they verified with the company if the companies won't even send me anything or respond to me. 

4 letters sent to these companies and nothing done to resolvee

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 2017-03-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received 3 phone calls from ( XXXX ) XXXX. I called to find out why they keep calling me. They ask my name, ask to verify my address and ask to verify the last XXXX of my social. Then they tell me I owe them {$12000.00} for an auto loan in the late XX/XX/1990 that they purchased the debt for. I tell them I never made an auto purchase in the late XX/XX/1990 and that this is fraud. They tell me they will close out the account and I do not owe them and thank me for my time. I told the lady I would be reporting them for fraud. So she starts to argue with me and then hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance in saving my home with Select Portfolio Servicing my servicer. They denied me on XXXX/XXXX/XXXX. I have an attorney helping me with the paperwork and they filed an appeal for me on XXXX/XXXX/XXXX. SPS sent me a letter on XXXX/XXXX/XXXX stating they received my appeal and they would respond to me within 30 days. I then received a denial of my appeal on XXXX/XXXX/XXXX. The problem and illegal action for which I am complaining is that SPS recorded a Notice of XXXX against my property on XXXX/XXXX/XXXX. According to my attorney, RESPA Reg X ( 1024.41 ) States no foreclosure action shall be ordered while a borrower is under an active review for loss mitigation. My appeal was not yet denied and I had not cancelled my request for appeal or review. The fact that they recorded a notice of sale on XXXX/XXXX/XXXX, which is 6 days before I was denied, is against Respa Regulations. In addition the denial letter makes no sense and basically confirms that they could appprove an affordable payment that is below XXXX % of my income. It also confirms they are using the wrong interest rate for my review. My current interest rate is 2.75 %. However, as you can see in the letter they are using my contractually due interest rate of 7.75 %. This is not how the guidelines are written. The review must use the current interest rate of the loan and not the interest rate of my loan from XX/XX/XXXX. SPS is basically just making up excuses and at the same time dual tracking my foreclosure. PLEASE ENFORCE RESPS REG X. What is the point of having Respa regulations without doing anything to enforce it. This CLEARLY shows on XXXX/XXXX/XXXX they confirmed my review was open and under review ( See attached letter ). How can they record a Notice of Sale on XXXX/XXXX/XXXX? RESPA Reg X states that the only way they can order a Notice of Sale to be recorded is after the appeal is denied or after I have advised them I am no longer appealing the denial. I never advised them I was cancelling my appeal. There are no questions regarding the timeline. They simply violated Respa Reg X by fling the Notice of Sale on that date. My attorney tells me that every time this happens, the servicer simply does nothing and continues with the foreclosure. CFPB does nothing except collect information and then I lose my home. CFPB in my opinion should demand the servicer rescind the Notice of Sale and re- record it if necessary after the XXXX/XXXX/XXXX date. Otherwise I am advising both CFPB and SPS that this home will be foreclosed illegally and I will pursue all legal action to reverse and cloud the title after the foreclosure if the Notice of Sale is not rescinded and re-recorded legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've been having increasing problems with USAA over the past 6 months. I've banked with them for over 20 years and never had problems with them reorganizing transactions or flip-flopping transactions back and forth between " pending '' and " debited '' until now. I've made multiple purchases, had the funds in my account with no pending charges, and woken up the next morning to a negative balance and multiple NSF fees. At times, charges will completely clear my account only to go back to pending days later. It's impossible to keep up with my banking at this point and they keep hitting me with fees when there have been funds to cover the purchases in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I attempted a purchase with a merchant for XXXX. The merchant denied my purchase because there were XXXX numbers in the CVV instead of XXXX. The merchant attempted to run the payment XXXX times which put a hold on my account for a total of XXXX. I called the institution ( Amex Serve ) and was told it would be 8 days unless I contacted the merchant and had them get ahold of them to authorize a release. Well I then made a conference call with the merchant and Amex. I was told that because they spoke to the merchant that my funds would be released within 48 hours. Well the 2 days passed, and my money was not released. I called Amex back, and was told that that was not the case. I was told that the tech I had previously talked to lied to me and that no matter what it would be 8 days no matter what. I asked them why I had been told so many different things by so many different techs, and they could n't give me a straightforward answer. Friday will be the XXXX day, and now I fear that my funds still wo n't be released at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
SPS has confirmed my investor is not XXXX, f/k/a XXXX ( is Trustee only ) however was vague as who is my actual investor on my mortgage Trust XXXX Mortgage Pass Through Certificates, Series XXXX is the owner of the account letter went on to say loan ownership status may change from time to time? please clarify SPS has been servicing loan since XX/XX/XXXX and should know who the current investor is as of XX/XX/XXXX. 
As the investor is whom denied my KYHC because it was over XXXX by less than XXXX XXXX dollars. 
I am sure SPS with removing some servicing fees would have met the XXXX limit to except Keep Your Home California. 
I have a right to know whom the 1. investor is as of XXXX XXXX XXXX copy of all assignments to make sure SEC guidelines were met XX/XX/XXXX-to XX/XX/XXXX. 
3. A complete breakdown of all transactions including insurance, fees, legal cost, and copy of mailing/shipping receipt I have been charged on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A company supposedly affiliated with my mortgage company is requiring me to get flood insurance when we do not live on a flood plain. There is only a phone number in the XXXX to call and they refuse to tell me anything or who is responsible. They do say they are affiliated with a company that sells flood insurance. There is only a XXXX XXXX to respond to. I have forwarded documentation to them that we are not on a flood plain and sent it certified mail, but they sent a second letter saying they are buying it for us and charging it to our escrow account. I have also sent duplicates to the president of Nationstar with no response either. They are going to bill us more than {$2000.00} if we do not show proof of flood insurance. The last time this came up, supposedly our former mortgage company was using a third party called XXXX who apparently was using wrong flood maps. We have checked with our county and with the main surveying company in this area asking about getting a Letter of Map Amendment for XXXX, but were told that we should not have to spend the {$1000.00} to get it done as we are not on a flood plain. It was suggested that this is a scam being perpetrated on people who live in areas where there have been minor floods in the past year. None of our neighbors received anything from their mortgage companies and judging from the complaints filed against Nationstar, there seems to be questionable practices against their mortgagees. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX, a fraudulent {$8000.00} unauthorized wire transfer was initiated from my Wells Fargo savings account to an unknown recipient XXXX XXXX XXXX. 
XX/XX/XXXX I called Wells Fargo approximately at XXXX PM EST, and they froze the account. 
They said its late for claims and asked to call tomorrow. 
The next day, on XX/XX/XXXX, I called Wells Fargo to explain the situation. They created claim # XXXX and initiated an investigation. On XX/XX/XXXX, I received a response from the bank stating that my case had been denied ( attached ). 

On XX/XX/XXXX I notified the local police of an unauthorized {$8000.00} wire transfer from my account, and they started working on the case and gave me a notification ( attached ), on XX/XX/XXXX I received the police report from them ( attached ). 

I called the claims assistance center ( XXXX ) on XX/XX/XXXX, and requested that the case be reopened and escalated to management because I have the police report. Before reopening, according to the representative, they will need to review the case first. 
They have already conducted the investigation and need to know why they need to reopen the case before contacting me. I was redirected to resolution expert XXXX ( Employee ID : XXXX ) who told me that in order to reopen the case, they must submit a request to the XXXX, who will decide whether the case can be reopened or not.

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