BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our servicer, Select Portfolio Servicing in Utah, has requested require documents in order to negotiate a loan modification with the borrower. The borrower had received a completion notice from XXXX in XX/XX/XXXX, saying within one month, the examination will be notified to the borrower. The notification to this effect has never been received thus far, whereas Required Information Notice has been numerously received by the borrower. SPS has been repeatedly extending the expiration date for submission of Required Information, and the latest notification said the date has been set for XX/XX/XXXX. However, the borrower has recently been receiving numerous solicitation letters from attorneys at law and other private companies that are offering legal assistance regarding violation of " Dual Tracking '' and " Single Point of Contact '' because they insisted public notice has it that non-judicial trust sale date has been set for XX/XX/XXXX. The borrower has not received the Notice of Sale from Select portfolio servicing yet XXXX has listed the property to be auctioned off on XX/XX/XXXX. XXXX XXXX, Consumer Ombudsman Specialist at SPS wrote to the borrower with its carbon copy of XX/XX/XXXX addressed to CALIFORNIA ATTORNEY GENERAL 'S OFFICE, saying " Please keep in mind that each time documents are received an Acknowledgement Letter will be sent out. Once the processor has reviewed the documents another letter will be mailed out advising of documents that are needed or advising that we have a complete packet. '' See the last paragraph of the XXXX page of the said letter by XXXX XXXX as per attached hereto. Since XX/XX/XXXX, the borrower has submitted information numerously all along, but the said Acknowledgement Letter has never been received. The borrower has received Required Information Notices with pre-printed boilerplate letters containing all-encompassing documents. The borrower has never been able to speak to the so-called XXXX relationship managers, XXXX XXXX, and XXXX XXXX, as a single point of contact, but more than a XXXX different people from SPS called the borrower, asking redundantly for already-submitted documents and information. The borrower finally gave up on talking to them on the phone and SPS notified the borrower stating they will terminate any verbal communication with borrower yet SPS calls numerous times without leaving voice mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
There is an account opened with my name/ social security number but NOT my address and is now appearing on my credit report with a balance of {$640.00}. This is not my account. 

I spoke with XXXX from collections in early XXXX and stated I had no knowledge of this account nor the balances associated. The address is not mine, the payment account that was associated is not mine, and as far as I can tell, the phone number is not mine. 

This was supposed to have been resolved at that time, but when I check the latest copy of my credit report, the balance / past due account is still present. 

The address associated shows XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: RFNA, LP
State: KY
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Received a check for {$1200.00} from Republic Finance in XXXX, KY that, if signed and cashed, would enter me into a loan agreement with Republic at an APR of 41.03 %. The letter reads " let us help you with school expenses, '' but XXXX paragraphs later is advertised as " a pre-approved loan just in time for summer fun! '' The letter is signed from XXXX XXXX, Manager at Republic Finance at XXXX XXXX XXXX in XXXX, KY. I do n't know if this violates any specific consumer finance regulations - but it sure should!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: C & M Associates Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a call this evening from XXXX & XXXX XXXX. The woman on the other and proceeded to tell me that she 's been trying to contact me and that she had exhausted all means they were at the point were I was going to be served and sued. I proceeded to ask why and she told me I had a {$6000.00} debt in XX/XX/2003 but I had not paid. I asked why I had not received any communication and she said it had been sent and they would not send anything else because they have done their part. I went on to explain that I need the debt validated however the lady became very upset and told me that they had no reason to validated as if I did not agree to pay they were going to go ahead and pursue charges to me. I explained I do not have XXXX knowledge as my son has an incurable XXXX but I 'm paying for. I 've sold everything to help pay for my son 's medical needs at this time. she proceeded to laugh at my situation which was heartbreaking. She told me that today she would agree to take {$3000.00} as a settlement and at that point they would no longer pursue charges or sue me. I told her I do not have that kind of money and she requested that I give her pre-paid checks. I do not think it 's fair I have to pay a debt I do not know what it is nor fair that I 'm threatening to be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received Trial modification plan documents from my mortgage servicer The Money Source. The three Trial payments requested have been remitted by money order. Received final Loan modification package by mail. The Modified mortgage payment is more than the trial payments. I've requested a review of my escrow account because my homeowner insurance has been reduced by a substantial amount and the property taxes are incorrect they are over collecting for property taxes and Hazard Insurance. I inquired with he Money Source Customer service when would the trial payments totally {$3300.00} be applied to my mortgage, they stated they could not answer that question. Customer service stated they will not review by escrow account to correct taxes and insurance for the correct amount. I was instructed was to sign the final Loan modification documents even though the mortgage payment and escrows are incorrect. I don't want to lose my home but I don't want to sign the incorrect modification documents. Since my loan is and FHA loan did The Money Source submit a claim against my private mortgage insurance. The Money Source Customer service has been rude nd unwilling to answer questions and assist me with retaining ownership of my home. 
See Attached documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I found out on XX/XX/XXXX that my checking account was blocked since XX/XX/XXXX. 
USAA did not provided an explanation for their actions, but I was told to use a www.usaa.com/idproof address to submit a picture identification document for processing to unblock the account and, stated that it should not take more that 3 days to unrestrict my account. 

Following their instruccions, I submmited my XXXX passport as a proof of a picture ID and placed a call on Tuesday XXXX to confirm receipt. I was told that by Thursday XX/XX/XXXX my account restriction would be removed. 

On Friday XX/XX/XXXX the account was, still, blocked. 
I decided to submmit again my ID proof. Late afternon, I found out that they are now using the submition placed on XX/XX/XXXX to add another 3 working days to free my account. In doing so, USAA are increasing the days to removed the blocked placed. 
I requested that they expedite process because I needed to have access to my Social Security XXXX check and to settle bill payments for the month end. 

I hold that account for 17 years with an impecable record. Also, have an excellent consumer credit rating for all these yeas doing business with them. 

All I am getting is excuses and adding working days to solve the problem. A simple two day issue has become two weeks now. 
In the meanwhile, my money and SS check is unjustifiable locked by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 I received a call from a representative of BB & T inquiring as to whether or not I knew a XXXX, I responded No. I was then informed that it appeared that checks had been counterfeited, they did not match my checks and the signatures did not match but XXXX checks # XXXX - {$1700.00}, # XXXX - {$1700.00}, and # XXXX - {$1700.00} had been processed against my account. The account was obviously overdrawn and more so with overdraft charges. I was advised to go to my bank branch and file the necessary fraud documents, which was done immediately. The bank representative advised that we closed the affected account and open a new one. This also was done, we now had only one check to access the new account, but were told our existing debit cards would be linked to the new account. This only partially worked and only one card was linked, so that when a medication copay of {$2.00} was charged against that card, it was denied, and were were charged another overdraft charge on the old account. A bank representative was able to fix the link for the debit card. Then things got worse, we were told it would take approximately 10 days for the money to be restored to our account. After 10 days, I called, the rep told me the case was being investigated, and she provided me a case number and a phone number to contact the fraud unit directly. I contacted the fraud unit and was told that there was no definite time that the funds would be restored and it could take as long as 90 days. I went back to the branch office, the rep called and was told that an investigator would be assigned on XXXX and to call the fraud unit for an update at that time. In the interim I have been forced to withdraw funds from my 401K to cover property taxes, property insurance, and my mortgage payment with this same bank. I have had to contact Social Security, our life insurance companies, and all those with whom we have direct deposit agreements to make the appropriate changes. I feel that the bank 's resistance to reinstate my funds is unacceptable, this situation was a result of problems with their security and not my effort to protect my account. The bank informed me of the problem initially before I even knew it existed so they knew there was something wrong, with that said, I feel they are not responding reasonably.

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 2023-08-03
Company: EQUIFAX, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Investigator XXXX contacted a contractor i worked for and stated he was investigating me for Fraud In XXXX County. He has also left voicemails on my phone as well as my wifes stating the same thing. The debt is in reference to a payday loan with Ace Cash Express. They have threatened legal action for fraud and civil action. This gentleman has contacted family friends and work. stating that i am being investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying for one month to set up a Trusted ID account with Equifax after their security breach. I have spoken to three separate agents from Equifax for a total waiting time of 2 hours who told me a password would be sent to my email and that password was never sent.
Right now I have been on hold for 45 minutes with Trusted ID after having been given their number.
Yesterday a credit card of mine was falsely used, I believe because of the Equifax breach and yet I can not set up an account with them by email or phone. I believe they are fraudulent in promising credit monitoring for one year free because it is impossible to set up an account. I do n't think they deserve to be one of the three companies with access to credit reporting after this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX of Susquehanna Bancshares XXXX XXXX, filed false legal charges against me by not give me my Rights to a Substitute Check and not fully disclosing my terms the the XXXX Police Department at the time during the interview with the XXXX Police Deparment officer named in XXXX of Pa Docket # 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 2023-08-03
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX did not approve the XXXX XXXX that I purchase when buying the car this was the reason for giving back the car. I had contacted numerous times to receive help and none was given. I took the car to 2 different mechanics and XXXX XXXX  did not approve but said they would when they received an estimate/ they never approved or replied about the warranty or estimates that were sent. They also told me they had sent out a check for the repairs which was a lie and deceitful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are 4 accounts showing on my Experian credit report. The account numbers are : XXXX, XXXX, XXXX, XXXX. First and foremost, these accounts are fraudulent accounts. Second, Experian is allowing XXXX to change dates on the account and change the account history in order to Re-Age the accounts and also Reset the Statue of Limitations. I spoke with 2 representatives of Experian on Sunday, XXXX and XXXX. They both informed me that Experian signs a contract with the creditor and the creditor promises through this contract that they will report accurate information to the credit reporting agency. However, neither XXXX nor Experian are abiding by the contract nor being truthful. These accounts are continuing to be reported and they are Fraudulent. XXXX is deliberately attempting to Re-Age these accounts and also Reset the Statue of Limitations. Experian is allowing this violation of the FCRA an FTC to happen. This is Illegal and therefore should on so many grounds be removed from my credit report Immediately. I have attached copies of my credit report from different dates showing how Experian has allowed XXXX to Re-Age and Rest the Statue of Limitations on these accounts.

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 2017-09-26
Company: Frontline Asset Strategies, LLC
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received multiple letters/phone calls from Frontline Asset Strategies , LLC, trying to attempt a debt. Requested a notarized debt validation letter between self and Frontline Asset Strategies , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Jvs group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company never addressed why they violated the Fair Credit Reporting Act nor the Fair Debt Collection Practices act. After violating the law, now I know who the original creditor finally is and at NO POINT did the original creditor ever speak to me by phone nor did I ever state I would write and send them a cease and desist letter at anytime. This is a fabricated lie to protect the facts of which they violated the law. Again, knowing now who this original creditor is, they communicated by email and are attached. 

NO mail of anykind was EVER received from them. As of XXXX, XXXX, we relocated back to Florida and since relocated back to Texas as of XXXX XXXX, XXXX. If they were running their business correctly, instead of adding frivolous small collections to unsuspecting people, they should have seen where I lived and actually contact me and they would have seen that the issue was address back in XXXX. 

Additionally, when any company or individual starts with " XXXX Based '' or starts adding religion to their explanations, this is for one irrelevant and usually are trying to justify their illegal acts. 

Lastly, look at the attached emails, those are the only communications from them in any capacity and again they are getting their clients confused as it lists a home on sutton place that is not even mine! 

They are a complete disaster. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Information belongs to someone else

Complaint:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX Multifamily 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address ID # XXXX Single family 3. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Address ID # XXXX Single family 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX 6. XXXX XXXX XXXX Name ID # XXXX 7. XXXX XXXX Name ID # XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar purchased my mortgage. The initial communication was via phone. I had to request the documentation regarding the transfer because I did not receive the letter from my previous mortgage holder or NationStar. NationStar continued to harass me for payments even though I said I would pay after I confrimed they were the new holders of the loan. I told them to no longer call me as I have received 15+ phone calls asking for money. The last time I spoke to them via phone I told them if they call me again regarding payment before I can review the documents, I would file d a complaint with the CFPB regarding the transfer and my request to no longer received phone calls. They have also sent text messages to my phone which is also a violation of the communication of this debt as other people can see my phone when these text messages pop up.

Company response to consumer: Closed with explanation