BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good afternoon! I would like to file a harrasment and discrimination complaint. 
Last Tuesday I filed a complaint for SPS, inc, their representatives/relationship managers ( rel m, ), and their employer, XXXX XXXX. We were having a hard time receiving an answer for a short pay off offer we made a month ago. Today, for the first time in all this time I 've been trying to reach her with no luck, I receive a phone call from my assigned relationship manager, the one I never found every single time I called. Saying the offer was denied by the owner of the property ( XXXX XXXX ). I was shocked and asked why so soon, last Monday they said it was going to take a week ; what hapenned? She said that owners said NO. I asked her a couple of things, because I was told by one of the rel. m before, that in case our offer was n't accepted they will suggest what they thought was a reasonable amount for us to consider as a better pay off and I was ok with that because at the time we only had a specific amount, not more. So we were preparing even for that. I kept asking why if I was told at first that our case goes directly to a specific Collateral file team Department, why after that, it was also sent to owners? She said the SPS team had the case almost for approval but their boss wanted to show it to XXXX XXXX for them to decide, and because we stood by our only one offer and not more, they said no inmediately, and wanted the house to go on with foreclosure. SPS, inc analized the case and was about to give us ok to go on with the deal, but received a NO from the owner XXXX XXXX, ( I do n't even want to think was because of our complaint, they prefered not to help ). She even said that it was true, sometimes XXXX XXXX and other employers, come forward with a higher amount, and takes them a couple of days to decide, but this was a No at first. We would definitely like a reconsideration and hope they are not receiving offers from others to buy the property at a better price. That 's harrasment, not giving us opportunity after all we 've been thru.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I went to check my credit score ( Transunion ) on XXXX XXXX on XX/XX/2022 and noticed that my score had suddenly vanished. Prior to this it had been up to XXXX due to a six month history of reporting my rent payments. I used XXXX XXXX to report my rent payments for my XXXXXXXX XXXX XXXX. I had no credit prior to this and wanted to use this as a means to build some. When looked into this matter further, I had discovered that they No longer support the XXXX XXXX  XXXX XXXX has to report credit and as a result, the ONLY account giving me credit was closed without my approval or knowledge and my six month credit history was just gone. There was absolutely no notice given to me about this change. I just got off of the phone with Transunion today ( XX/XX/2022 ) to see if I could at least get my score to show back up and they said they could do nothing because there was no account.

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 2020-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've made request to receive a copy of all denial letters in regards to my previous loan modification requests. 

Bank of America has not provided these letters.

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 2016-07-02
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Left numerous voicemails that my local sherriffs dept would file a warrant for my arrest unless i paid within 30 minutes, they would find me and arrest me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX, I applied for a brokerage account from Merrill Lynch. I received an initial follow up call for additional info which I provided on an unknown date. I was promised my account would be opened in XXXX hours as indicated by showing in my online banking with Bank of America by the representative. That did not happen. On XX/XX/XXXX, I received a second voicemail with a request for more information to open my account. On XX/XX/XXXX, I called and provided additional info, and the agent once again promised my account would be opened in 24 hours. Right after my call ended, I received two emails, one stating my account was open and another stating my margin account was approved. Neither email had my account number and to this day I do not know my account number. Nor did my brokerage account show up in my online banking. On XX/XX/XXXX, I called Bank of America to discuss a separate fraud issue, and to inquire about the status of my brokerage account. The agent indicated my new brokerage account was active and would show up in my online banking within 2 days. That never happened. Over a week later from this call, and over a month from my application, I still do not know if my account was ever opened or not, and if it is, I have no idea of knowing what sort of activity, unauthorized or not, and transactions are going on in my account.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: NY
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:
On or about XX/XX/XXXX, I submitted a dispute to Experian indicating that information reported by XXXX XXXX XXXX  was not valid or accurate. On XX/XX/XXXX, I received a reply from Experian stating that they verified the information as accurate and therefore would not modify the report. My dispute is based on a XX/XX/XXXX letter I received from XXXX XXXX  ( copy attached ). The letter stated that based on their information, they were instructing each of the credit bureaus ( including Experian ) to delete the account from my credit record. I sent this letter to Experian, yet they replied indicating that the letter from the creditor was not sufficient to cause them to delete the record and that further investigation verified that the record on my credit report as accurate. The letter from the creditor stating that the record should be deleted should be sufficient and final. Unless Experian has some reason to question the validity of the letter itself ( which it should NOT ), Experian has no basis or need to further investigate the creditor 's decision and instruction to remove the record. It is simply absurd and over-reaching for Experian to become involved in the particulars of the dispute after the creditor has acknowledged in-writing that the reported information should be deleted from the credit file. The continued reporting of this invalid and negative information on my Experian credit report is impacting my credit score and unjustly interfering with my ability to obtain financing. The creditor itself has indicated in-writing that the item should be removed from my credit report entirely, yet Experian is refusing to do so.

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 2020-09-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
when i reach out to XXXX  and equifax about two bankruptcy on my report they said they was verified thru a third party who which i or the us federal bankruptcy court have not gave the permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My CITIBANK Checking Account is consistently showing systematic daily posting of debit card transactions in a descending order after they are pending for 3-5 business days. Transactions are re-ordered with the largest coming out first, then gradually the smaller ones last. This practice has been making it extremely difficult to balance my account and avoid overdraft fees. This happened before with XXXX XXXX XXXX. I asked XXXX supervisors in the customer service department, and they refused to answer my question as to why this pattern has taken place every day for at least the most recent 6 months of my transaction history. I suspect this practice has taken place since the inception of my checking account with CITIBANK. The bank also withholds my deposit funds for far too long.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: Aqua Finance, Inc.
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We bought a XXXX with the payment agreement to be with XXXX Finance XXXX Al. XXXXXXXXRe : ACCount # XXXXXXXXThe terms we agreed to were 6.90 % with payment for {$66.00} for the XXXX 12 months and {$100.00} for the remainder of the loan. 

As soon as the tub was installed we received a letter from XXXX Finance that they had transferred the loan to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Wi. XXXX XXXX is trying to charge us an interest 0f % 19 for the entire loan. We never agreed to this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called my phone at work several times after asking not to call my work phone. Several times they keep saying they have no record of them calling and no record of me on tape saying not to call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  accounts XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX 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.

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 2022-08-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor.ay not treat a payment ona credit card account under an open end consumer credit plan as a late for any purpose.

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 2017-05-22
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been going back and forth with Discover Card for the last 3 months. I have lost at least 1.5 days off of work having to talk with different departments within Discover Card company. Beginning in XXXX, 2017, through XXXX, 2017 ; I found that my card was charged over XXXX in charges to one merchant ( XXXX XXXX XXXX ). I only found this out when I received an email from the company that my credit card was at it 's limit. I talked with at least 10 representative stating that I did not make these charges over the course of 1 week. I was at first credited the charges on my account, and then after their ( Discover 's ) investigation stated that I am responsible. I then spoke with Discover and asked them what measures they have to protect me if charges are made to my card that are EXTREMELY set afar from my normal uses. Again, I was told that they will investigate. On X/XX/17 Discover credited my account for {$5500.00} stating it is a transfer balance. I received no notice or explanation. They also credited my account for {$780.00} on XX/XX/XXXX. When I seen that they credited my account for the full charges, I immediately paid off any other balance and closed the account. I told them the reason is I had no protection from this company and I was very unimpressed with how they treated me as a customer. Today, I received an email from Discover stating this : This is an alert that you set letting you know when your Discover card account balance is over {$500.00}. Unless your alert amount is set at your credit limit, this does n't mean that you 've gone over your credit line. Balance Alert Amount : {$500.00} Current Account Balance : {$5300.00} Credit Line : {$7200.00} Date Exceeded : XXXX XXXX, 2017 They have now charged my card again, yet a different amount of XXXX. My brother works for the XXXX XXXX and he said, before calling the company again, to seek assistance with the Protection Bureau. I have included the last 5 months statements to show the transactions the company continued to approve and the proof of transfer balances, credits, etc. Any help in getting this resolved would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22 I contacted national credit systems regarding the two trade lines reporting negatively on my consumer report. They advised me that my file was with XXXX XXXXXXXX XXXX XXXXXXXX. The law firm confirmed that I only have one debt but they were not going to remove the second account until the first Alleged debt was paid. I sent this Exact letter to XXXX XXXX XXXX, XXXX, Equifax, and XXXX. XXXX removed both trade lines and Equifax and XXXX just removed one. My complaint is directed towards XXXX XXXX XXXX due to them verifying the debt with the credit reporting agencies but sending me a letter saying their Unable to locate my account. 


This ONE company is in violation of the following : FDCPA 15 USC 1692g FDCPA 15 USC 1692e FDCPA 15 USC 1692f FDCPA 15 USC 1692k And furthermore NCSs actions are putting XXXX and Equifax at risk due to these credit reporting agencies violating the following : FCRA Section 623 ( a ) ( 3 ) FCRA Section 623 ( a ) ( 1 ) ( a ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called santanders consumer USA to lower my monthly payment and they said they cant help me I am currently paying XXXX a month on a used vehicle that dont pass state inspection because it needed parts that the mechanic is trying to find. The vehicle is used and it was rotten at the bottom of the car we got it in 2015 with a high interest rate of 24.9 % I am struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had a Wells Fargo account for a few years now. In the last year I have noticed what I feel to be an intentional holding of debits or online payments until there was no money in my account to clear my debit charges causing abundant overdraft charges to my account. I have disputed with Wells Fargo and granted, they did partially refund 9 of the charges in the last year but I feel that they held on to some charges until I had no funds to clear. This lead to us not having ANY money in our accounts some weeks after my husband getting paid because his whole check would be gone. I have pulled 12 months and realized that a total of {$3600.00} are in Overdraft fees alone! I have tried to work this out with the bank and all I get is their generic " overseas '' response like they 're reading off a scripts and I feel really ripped off. They should have just changed our account to not be able to overdraft or something ... I am a mother and a grandmother, I have school age children and 1 in college, I can not afford to be treated in this manner..

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 2017-01-31
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I completed a Loan Modification in XXXX XXXX that was due back on XXXX/XXXX/XXXX. I did not receive the documents in time so that they would be received at Caliber by XXXX/XXXX/XXXX so I called and spoke to XXXX and he advised to send the documents back and they would still accept them. On XXXX/XXXX/XXXX I sent the executed documents along with the first modified payment in the amount of {$760.00}. I called on XXXX/XXXX/XXXX to make my XXXX XXXX payment and was told by XXXX that my property was in Foreclosure and the payment could not be accepted. The XXXX payment was accepted and posted to my loan but they claimed to never have received the Modification documents which was sent back with the payment that was posted. I also have the tracking information showing that the documents were received and signed for by XXXX XXXX on XXXX/XXXX/XXXX at XXXX. 
On XXXX/XXXX/XXXX, I received a letter from the Foreclosure attorneys advising that there was a sale date scheduled for XXXX/XXXX/XXXX and I have been calling Caliber everyday since and no one will help me to reach a resolution. Finally, I was told that they were going to send out another set of documents and that they would need to be received back Thursday, XXXX/XXXX/XXXX. I never received any documents and I continued to call and finally Caliber agreed to email the documents to me so I could print them off and return them. I received the documents Thursday at XXXX, and overnighted the documents back to Caliber ( at my expense ). I have confirmation that the documents were received at Caliber on XXXX/XXXX/XXXX at XXXX and signed for by XXXX XXXX XXXX Again I have been calling several times a day and anyone that I have talked to says nothing has been processed and it was too late to stop the Foreclosure sale. I also contacted the Foreclosure attorneys today and they said that they received a message from Caliber stating the documents were received and in the process of being reviewed but only Caliber can stop the sale for tomorrow which they have not.Throughout this process, I was never contacted and advised that the documents were not received or that I was in Foreclosure. If my loan was already in Foreclosure, how was the payment that I sent in XXXX posted to my loan and yet the Foreclosure continued? Why is Caliber not even trying to correct their mistake when I have proof that the documents and payment was received?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In my last communication with the company they referred to me a case XXXX United States XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021. I donot belive this case is applicable and can be basis to my situation for several reasons. One primary reason is the Deed of Trust ( DOT ). What servicer does with respect to its Default/Acceleration should follow whats documented in the DOT. I wanted to confirm that what servicer did in XXXX case was what is really documented in his DOT. In my case what servicer did is what is documented in my XXXXXXXX DOT. 

The conclusion is that XXXX XXXX is different than mIne XXXX XXXX. Without knowing what is contained in XXXX Deed of Trust I can only presume that his DOT refers to primary mortgage which is quite detailed and not XXXX like mine. I would like to get a Copy of the DOT and NOTE of XXXX case before going further. The DOT and NOTE are public documents and are referred in the case so the company should not have issue in sending me the DOT and NOTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The response to my last complaint on cfpb was sent. by XXXX, to my home. Included were copies of my past interactions with them, as well as XXXX other peoples information! Caliber account numbers, names and addresses. It makes me wonder why has MY information in their hands. I can not believe that XXXX is so lax with the handling of peoples lives.

Company response to consumer: Closed with explanation