BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I originally financed my single family owner occupied home thru XXXX XX/XX/XXXX. The current servicer Select Portfolio Servicing fraudulantly created an assigmnet and recorded it at my local town hall purporting to assign my loan into a RMBS with XXXX as trustee. I have a copy of the Pooling and Servicing ( PSA ) agreement for this RMBS. Some of the many problems are the RMBS closed in XXXX of XXXX ( per the PSA ), PSA states all loans would have to be securitize prior to the closing day in XXXX of XXXX plus 90 days, SPS assigned my mortagage into the trust in XXXX, SPS lacks authority to assign anything into the RMBS ( per the PSA ), this RMBS is governed by New York State Trust Law ( per PSA ). SPS has sceduled a foreclosure once or twice a year since XXXX, everytime they cancel it the day before the scheduled date. I have filled out 15+ HAMP Tier1 modification requests, the always need something, or dont qualify for this reason, I defaulted on this agreement, or whatever story they decide to tell on any given day. I am currently under review for a modification since XX/XX/XXXX, but they always need something new. So recently they sent me a letter stating I would hear something on the review shortyly and the day later I receive an intent to foreclose letter from XXXX and XXXX dated for XX/XX/XXXX I sent them a proof of debt letter asking all the same questions I have been asking regrding the validity of the assignment and trust purchasing my loan. They still have yet to reply. So as I sit here wondering who actually legally owns this loan and wait to hear back regarding a modification and proof of debt their duel tracking me towards foreclosure. Duel Tracking is also illegal, but yet they still do it and get away with it. I need help to save this home for my family of 5.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
It pertains to transition and the dark patterns.

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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Im writing to request assistance with a late payment reported by my XXXX XXXX XXXX XXXX credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the XXXX XXXX XXXX XXXX credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted XXXX credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.

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 2017-01-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX Bank filed a foreclosure notice to take my house as I went into default due to unemployment. After a number of attempts to short sell it & a job relocation, I had no choice but to file for bankruptcy in XX/XX/XXXX. In XX/XX/XXXX I was notified that Bayview Financial had bought the loan. Bayview has been sending me debt collection notices almost daily ( see attached ) and has called numerous times to " collect a debt. '' I have called them twice ( XX/XX/XXXX & XX/XX/XXXX ) to explain to them that the debt was discharged with my bankruptcy 2 years ago. The first time, XXXX informed me that I was still responsible for the debt despite the bankruptcy. The second time a friendlier woman told me that they had no record of my bankruptcy. This is beyond my comprehension as they clearly have information on every other aspect of my life. 

In the meantime, while I thought foreclosure was imminent & I would finally be able to rebuild my financial health, four years after the initial foreclosure filing the process now begins all over again. I have n't set foot in the house since XXXX. I 'm XXXX & apparently I will have this toxic asset on my credit report until I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We purchased a home using PRMG ( XXXX XXXX ) as our lender on XXXX/XXXX/2016. After going through the pre-approval process, XXXX would not return our phone calls and emails until the day after the presidential election. We made several attempts to contact her to make sure our interest rate was locked and our loan documentation was squared away for close. We did not hear back until the morning after the election, and we were informed we did not qualify for the initial loan program we were pre-approved for due to our income levels ( which the lender was aware of before we were even pre-approved ). After finding all of this out, we were beyond our loan objection deadline and had no way to get out of purchasing our home. XXXX informed us that all we could do was lock in at the current rate and that we would be limited to a maximum credit towards closing costs of $ XXXX, which was minuscule in terms of total closing costs and the extreme lack of negligence and fiduciary duty we observed from PRMG. We made attempts to speak with PRMG management, and the individual who spoke with us, XXXX XXXX, told us the loan they could offer us with the correlating $ XXXX credit towards closing costs was limited due to RESPA regulations. My husband and I consulted with another lender on this day to understand what we were being told by PRMG and found out this was completely false. The other lender showed us the pricing grids for the day we had locked in our interest rate, which indicated we should have received a credit towards closing costs of $ XXXX versus the $ XXXX XXXX and XXXX told us was the maximum they could pass along to us. As we were past our loan objection deadline and a week out from closing, we had no choice but proceed with the loan because no other lending company could close us in time for when we had to move, and we had already subleased our current apartment. PRMG took advantage of us by avoiding processing our paperwork until after the election to profit from higher interest rates and further penalized us by not passing on the credit we were allowed based on industry pricing for the interest rate we received. The PRMG associates we worked with directly lied to us and negligently penalized us knowing we were stuck with our living situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-10
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank was served with a " notice of garnishment '' for my parents. My bank withdrew all of the money from my checking account instead. I live in a different state than my parents, and I had to work with that state department of revenue to reverse the garnishment order in a case of mistaken identity. My bank then charged me a " non refundable processing fee '' of {$120.00}. I brought this up with the bank, and painstakingly worked my way all the way up the the head manager of the main branch bank in my city. In my meeting with them, they said they would remove the fee if they could, but even as the main manager, they were not given the ability to remove the fee because the charge came from the banks " legal department ''. I would have to take it up with them. I asked them for the contact information for the legal department, and the manager said, 'There is no phone number for the legal department. ' So essentially I was charged {$120.00} for my bank wrongfully taking money from my checking account in a case of mistaken identity. : -/

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 2021-08-31
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had nothing but major issues with Shellpoint mortgage servicing. They mis-lead me through a modification that never happened. They say they did not have the required paperwork, yet they did and let the time run out by not responding to my inquires. I have this all in writing. This next issue tops it all though! I received notice of an escrow overage of $ XXXX. This seemed off to me so I questioned Shellpoint. They assured me it was correct and perhaps rolled over from the previous loan servicer. I did not receive the check they sent so I called to inquire and again questioned the validity of the refund. I was not given a valid explanation. but told that they were re-issuing the check. While trying to dispute some reporting they made to my credit report I continued to question the extra escrow funds. I was told multiple times both on the phone and in writing that there had been no errors made on my account. Approximately 3 months later I received a call from Shellpoint saying that they did make an error and now I would have to return the funds. I re-allocated those funds to other debts since I was previously assured that there were no errors to my account. Now I have an approximate 5 % increase to my monthly payments that I can not afford on a tight budget. This is complete negligence and I am initiating legal action against them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: CA
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:
These accounts are Inaccurate and I'm seeking litigation please delete at once. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n & 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
As of XX/XX/2018 I have contacted World Finance Corporation regarding a former loan with their company that was in my name, but was discharged under Chapter XXXX   bankruptcy last year. This company is still reporting a past due balance to one bureau, and late payments after the bankruptcy was discharged to another. I have mailed certified mail, called, and mailed a second letter by certified mail today XX/XX/2018 to their office in XXXX, SC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Weve had an FHA Loan through Wellsfargo since XXXX, in XXXX I retired from the XXXX XXXX XXXX, During the 4 months that I was forced to wait for a new job to start, we communicated with Wellsfargo About making payments. To which we were Assured that THEY Work with Vererans and we could Count on Them To Process the paperwork and Help Us. Well After 8 Months We Ended Up Paying The Owed Money with our Taxes, Because THEY Said we didnt Qualify For The Help. Now Here We Are In XXXX On XX/XX/XXXX Hurricane IRMA hit And our house was/is Damaged. We were told that XXXX XXXX and XXXX House Payments would be suspended, and could be DEFERRED to the End of our loan. We applied Right Away to have that done, but were told we would have to wait until the End Of The 90 Days. We were CURRENT on our Payments Before And We Started RIGHT After the 90 Days. Wellsfargo Assured Us AGAIN that they would be able to help us. Well we have EMAILED the Paperwork 4 times!! FAXED the paperwork 3 Times. AFTER all of these months I WENT AHEAD AND PAID THE PAST DUE AMOUNT IN FULL.. After CASHING A 401 K That I Took PENALTIES ON COSTING 1000s And on XX/XX/XXXX Wellsfargo REPORTED Our LOAN AS DELINQUENT! So our House Is STILL DAMAGED but We Cant RENT NOR CAN WE BUY A NEW HOME Because OUR CREDIT IS DAMAGED AND IN LIMBO!! Even though WELLSFARGO has Supposedly Been Working On Helping Us, And If Thats True, Why Report It?

I Believe Its A SCAM Because AS USUAL they Say There Are Problems With The Paperwork ( Hench the 7 PLUS Times Weve Sent Them The Paperwork ) They XXXX With People Until They Get The Money Anyways And Ruin Peoples Credit SO YOU CANT GET A LOAN WITH ANYONE ELSE!! Even when I Made The Payment, They Only Take Checks.. After I Told Them The Routing Number AND They Repeated It Back, THEY TYPED IN THE WRONG ACCOUNT NUMBER!! So after Waiting 2 WEEKS for the 90 Days Back Payment To Clear My Checking Account.. I HAD TO CALL THEM TO FIND OUT WHY IT HADNT CLEARED! So NOW I have to Wait Another 3 TO 5 BUSINESS DAYS for THIS Payment to go through!! In the meantime MY WIFE OUR 2 DAUGHTERS AND Myself ARE HOMELESS!!! And we CANT MOVE INTO A NEW PLACE UNTIL WELLSFARGO UPDATES C.A.I.V.R.S.!!!!!!!!!

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 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
The following accounts that appear on my credit account do not belong to me. 
Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by Comenity, they are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

The charges were fraudulently made I was not aware that the XXXX store had opened an account for me. I believed it was a discount card. There was a {$5.00} charge I never authorized that charged into {$95.00}. 

Account information : Account number : XXXX XXXX XXXX XXXX. 
Account status : Paid and Closed. 
Date Opened : XXXX. XXXX, XXXX  I am requesting a deletion account from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: West Virginia Housing Development Fund
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
West Virginia Housing Development Fund ( WVHDF ) is incorrectly reporting balances on XXXX XXXX credit reports. They either need to delete XXXX XXXX completely or make the balances correct. I personally have a mortgage with WVHDF and on a monthly basis I have to dispute the incorrect balance. I also work for a bank and can see other WVHDF customers incurring the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: AZ
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:
On XX/XX/19 I made two mortgage loan payments however, the payments were misapplied to the same property. I contacted my mortgage servicer ( Cashcall mortgage/XXXX ) to resolve the error. I was told the reversal was being done however, any credit reporting would have to be requested online via email. Unfortunately, it took approximately 30 days for the matter to be corrected because the initial customer service agent made an error which closed the task ; the second agent did as well. As a result, a second negative late payment was generated and sent to the Credit Bureau. I was instructed to contact them by email to generate a ticket which I have done but the site does not generate a ticket. I have faxed XXXX 7 days ago with a copy of the auto message that is generated after submitting an email with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello I had an Auto loan with XXXX XXXX XXXX. I paid the loan off in full as of XX/XX/XXXX. The account is not only still showing open but there has been no updates since XX/XX/XXXX on the payments made up until I paid the account off. XXXX  payments made on time are not reflected on my Trans Union Credit Report. That keeps your score low. Recently I have used your services because they were marking me late on payments that they should not have and 2x we had to deal with that. I'm starting to feel like this company keeps intentionally doing things to try and keep my credit score low. Also not sure if they did the same thing on 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 2021-08-31
Company: Penn Credit Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received an stating that an account from XXXX XXXX XXXX was sent to Collections in which I supposedly owed {$1000.00}. I know I am a victim of Identity Theft! I have been calling all credit bureaus to place a freeze on my accounts and disputing the Collection account. Penn Credit Corporation is the Collection agency that I had sent the dispute too and they refuse to drop the Collection account even though it is not me. I have sent them proof that I do not live in XXXX, AZ where the account originated. I actually live in Washington and on XXXX XXXX orders at XXXX XXXX XXXX which makes it physically impossible for me to live in XXXX, AZ. I attached my Utility Bills that I pay for in Washington that are dated from XX/XX/XXXX - XXXX which is the same time from the fraudulent account was made!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XX/XX/2021 I have called many times to try to explain to both parties that I have never had XXXX XXXX. However on my XXXX XXXX, they are showing that I owe an unexplained amount of {$110.00}. Every time I call I get a different response. I am asking to have someone look into this as I am sure it has been happening to other people as well. I have never inquired or received any services from XXXX. I do not want or have cable, wifi, or have any phone services with them currently or in the past. " Focus receivables management '' is their debt collection company and the original creditor name appears " 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 2016-09-23
Company: ALLY FINANCIAL INC.
State: CT
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I asked Ally Financial to cease all phone calls through a written letter I faxed. I also sent a second letter after they called my home again at least two times a day. I even told a representative over the phone I wrote the letter and she said it did n't make a difference. They gave me 30 days notice by mail ( dated XXXX XXXX ) to make a payment arrangement and repossessed my car ( XXXX XXXX ) anyway without giving me the 30 days. I explained to them in the letters I attached I started a new job and would n't get paid until XXXX XXXX. Ally does n't follow laws or promises to consumers.

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