BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Attn : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Trustee XXXX XXXX XXXX XXXX XXXX, New York XXXX Ref : Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX XXXX XXXX XXXX # XXXX Foreclosure case # XXXX XXXX XXXX XXXX MIN # XXXX PETITION FOR RELEASE/DISMISSAL OF FORECLOSE As the Pandemic COVID-19 is hitting very hard across America destroying the economic and devastating homeowners, Government President Trump directed the Department of Housing Urban Development ( HUD ) and local government to take steps, orders to stop eviction and foreclosure proceeding to bring relief to those stressed family impacted by the pandemic of COVID-19. This is a precious time to bring this matter of Foreclosure case # XXXX, that is still pending in state court to the end with amicable solution. 

Since XXXX, our property has being victim of three ( 3 )  WRONGFUL FORECLOSURE. The undersigned are asking you to open a profound review to the above account and order your legal team to stop/dismiss legal proceeding Foreclosure case # XXXX. 

On XX/XX/XXXX SELECT PORTFOLIO SERVICING INC open a third ( 3rd ) Wrongful Foreclosure case XXXX XXXX XXXX   XXXX XXXX on behalf of XXXX XXXX  AS TRUSTEE for the XXXX   XXXX. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to our family, with a nonsense litigation. This litigation has brought a dark cloud to the image of SPS and its reputation. 

This account previously serviced by XXXX XXXX XXXX XXXX ( XXXX ) was assigned and transferred incorrectly creating serious misunderstanding and legal battle. Those misunderstanding that need to be addressed and put this account in the right path of release. 

The XXXX Family request SPS/XXXX to dismiss the Wrongful Foreclosure case # XXXX and release property XXXX XXXX XXXX XXXX XXXX FL XXXX from those claims. 

Your cooperation to solve this matter will be appreciated. Our family need to be relieved from this nonsense litigation and difficult time of this pandemic of Covid 19 and its effects. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX 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 2015-05-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Other fee

Complaint:
I opened a Lowes credit card in XXXX 2015. They contract their cards with Synchrony Bank. My XXXX payment of {$42.00} was due in XXXX. I made a phone payment got a confirmation number. Three days later I got a call from the bank about my payment. Called back was told payment was received. Happened again. So XXXX times I was told payment received. They I get my XXXX statement showing payment was n't received and a late fee and the payment was {$180.00}. So $ XXXX {$84.00} which I sent and a letter saying there should be no late fees since I made and was told XXXX times it was made. Even with a late fee {$84.00} & XXXX is {$100.00}. XXXX statement arrives and again a late fee and a payment of {$.00} I send {$100.00} with another letter stating there should be no late fees. They declined my request. So XXXX statement arrives and they say my payment is now {$320.00} How in four months can my payment go from {$42.00} to {$320.00}. They keep saying there 's a past due amount of {$160.00} I have made all 4 monthly payments and wrote numerous letters every month. What is this {$160.00} for? I checked your web site and seen other complaints with this bank about phone payments. I will be also writing a letter to Lowes letting them know I will never shop in their store again. My credit is ruined I 'm sure because of this bank. I want ALL FEES taken off this account. I do n't even know what it 's for either. I made the payment was told XXXX times it was made. THEIR fault. I even talked to a person and was told this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-05
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX As the listing agent, I received a conditional pre approval letter from Umpquah Bank. 30 days later - 4 days prior to closing - the loan was denied due to insufficient income! The lender at Umpquah said that the buyer 's financial documentation was not provided until 21 days after mutual acceptance of contract. At that point the lender discovered they could not qualify. I asked why we received a conditional loan approval and he said he always does that even if they are not pre-approved. I called his supervisor in XXXX, Oregon. To my dismay, she confirmed that is a common practice. Umpquah will provide a pre approval letter even if they know the buyer is not pre-approved. She went on to say it is my fault for not asking the right questions and just taking it for granted the pre approval was actually a pre approval. She said they do n't want to lose a buyer to another lender if they do n't provide a pre approval letter. I told her I think she is doing something against what the guidelines of the CFPB by providing a pre approval letter with zero income documentation. She said she is not doing anything wrong. The seller had a bidding war and chose this buyer based on pre-approval and other terms. If the buyer was not pre-approved, we would not have chosen this buyer. We lost time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
ON XX/XX/2017, MY WIFE AND I APPLIED FOR A MORTGAGE SEE XXXX   ATTACHED. WE NEVER RECEIVED ADVERSE ACTION OR DENIAL LETTERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I mailed disputes to Equifax, XXXX, and XXXX. As of the filing of this Complaint I have not received a response. I understand that this situation is highly unlikely since the Agencies are all separate entities. There seems to be a much larger issue that violating the FCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquiries made on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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 was XXXX in XXXX to multiple different countries as well as in XXXX. 
I missed payments during both of these events due to fraudulent activity. I had to change banks at one point. I was impacted by a work injury that made me legally not able XXXX XXXX. Which made my wife quit her job to assist me. My family and I were even more so greatly impacted by XXXX XXXX which yet again impacted our income futher. I informed capital one of all of this, giving all the supporting documents they could need. They have denied my request 3 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a phone call on or about XXXX XXXX, 2015 around XXXX from Diversified Consultants about an alleged XXXX bill. I told them that I have no knowledge and further communications with me need to be written and sent through the US Mail. 

I received a collection letter from Diversified Consultants on XXXX XXXX, 2015 that was dated XXXX XXXX, 2015. 

I sent a validation letter to Diversified Consultants on XXXX XXXX, 2015 via certified mail, return receipt. It was received on XXXX XXXX, 2015. 

I was notified that a collection account was added to my consumer credit reports today by my credit monitoring service. When I looked, it was back dated XXXX XXXX, 2015. 

They are willfully violating Section 809 of the FDCPA and I fully intend to seek relief and monetary damages under the above mentioned statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Got a " update '' of the Deposit Account Agreement. Here is a copy from the document : " WE ARE UPDATING OUR DEPOSIT ACCOUNT AGREEMENT On XXXX XXXX, 2016, we will publish an updated version of our Deposit Account Agreement so that it is easier to understand. The updated agreement will be available on XXXX, at a branch or by request when you call us. 
Please read the entire document, paying special attention to these sections : - Deposit Records and Receipts ( page XXXX ) : If you deposit an amount that is higher or lower than what is on the deposit receipt, we are not required to adjust your account for discrepancies of {$10.00} or less. See below for the full paragraph that has changed. '' This seems a unilateral and unreasonable change in the contract for banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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: Account status incorrect

Complaint:
On XX/XX/2020 I had my first late payment which was reported to the Credit Bureaus. This has been very impacting as it has kept me from getting an auto loan. This was the only time I missed a payment and it was due to catching XXXX. I was in the hospital and was unable to make a payment. I was XXXX of the first cases. I would appreciate the help in removing this negative reporting as it has taken a negative impact on my credit report and this was out of my hands. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXXXXXX XXXXExperian XXXX XXXX Account XXXX XXXX Reason for Deletion : Omitting information, such as Original creditor, company sold, balance, monthly payment, past due amount, highest balance, terms, and your statement. Status should be Paid in Full and account deleted from credit profile.

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 2016-07-02
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a Medical creditor 's validation letter to Central Financial Control. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with XXXX Central Financial Control. This was an Medical Bill and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Health Insurance Portability & Accountability Act XXXX Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Central Financial Control. In this case the debt should be removed from my credit report and out of the office of Central Financial Control because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

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 2020-06-17
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in my home for 20 years. It is in good condition. I have paid the principal balance down to {$32000.00} from {$100000.00}, so I am sure that I have equity in this property that they are trying to take from me. They initially offered me an opportunity to modify the loan over the phone, but never collected documents from me to complete the review. 



My interest rate is 8.95 % which is significantly over the current market rate. A modification would make my payments affordable by lowering my interest rate, and possibly reforecasting my term. 



They have escalated my situation and referred my property to foreclosure without giving me any consideration for loss mitigation retention options, or any of the reliefs that the CARES Act 2020 offers. I do not believe that they are servicing within the DOJ or CFPB servicing guidelines for home owners.

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 2022-07-24
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX. EquifaxXXXX XXXX XXXX Account XXXX XXXX Reason for Deletion : Omitting information, such as Original creditor, company sold, balance, monthly payment, past due amount, highest balance, terms, and your statement. Status should be Paid in Full and account deleted from credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Brown Law, PLLC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Brown Law , PLLC collecting on behalf of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, Tx. 
Phone : XXXXContact initiated by phone on XX/XX/XXXX, missed call, voicemail left by caller. 

Call contact on XX/XX/XXXX I recorded a call from XXXX XXXX, I would not verify information ; was told " I 'll tell them you wo n't cooperate '' then XXXX XXXX hung up. 

Call contact to my mother on XX/XX/XXXX as well as a voicemail on the same day. 

Call contact to me on XX/XX/XXXX, missed callCall contact on XX/XX/XXXX I recorded asking them to send it to me in writing and informing them of the 5 day requirement that had already begun ... caller was XXXX XXXX. 

Written letter dated XXXX/XXXX/15 received from Brown Law , PLLC on XX/XX/2015Response sent return receipt on XXXX/XXXX/15 informing to cease contact except in writing to me ; sent to PO Box as well as physical address. 

USPS website screenshot showing delivery on XX/XX/2015Return receipt received XXXX/XXXX/2015 bearing signature as well as the date of XXXX/XXXX/2015 with service upon physical address. 

Call contact on XX/XX/XXXX, XXXX XXXX the caller, I recorded informing them of a violation of the FDCPA to which they responded they had no record of the letter even though I explained I had a return receipt showing delivery of XX/XX/XXXX 

At some point this company may have also contacted my wife. I will pull our bill and locate their number XXXX. 

As of XXXX/XXXX/2015 this company has not signed for the return receipt in their PO Box which was available for pickup on XXXX/XXXX/2015 according to the USPS tracking website. I believe this is done to continue to harass consumers. 

i have retained screenshots of the missed call log, the bills showing their calls, recorded conversations uploaded to the cloud, a copy of their letter as well as the envelope, the return receipt, screenshots of the USPS website for tracking and delivery, and a copy of the letter that I sent. I will obtain a copy of my credit report as well as I suspect they are in violation of the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. 

As such, this company is now harassing me for a debt they have yet to validate in any manner. They have broken multiple regulations in the FDCPA in an effort to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
To W hom It May Co ncern : I have a credit card with Bank of America. On  XXXX .2017, I paid my " new balance total '' from the prior month of {$830.00}. I was quoted this balance total in my account summary, dated  XXXX 2017. On   XXXX  2017, I received my monthly account summary for  XXXX  and the  XXXX  statement lists an interest charge of {$9.00}.     I am writing to contest this charge because based on my understanding, cardholders are not charged interests when the balance total is paid. Pertinent information and assistance is greatly appreciated.

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 2021-01-22
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company infringing on my perfectly healthy credit score, and hasn't Validated nor Verified the " Debt '' This is completely out of the norm ; and I'm highly confused about what is owed and why? Please help me with this issue..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX. XXXX Wells Fargo Account XXXX XXXX Reason for Deletion : Omitting information, such as Original creditor, company sold, balance, monthly payment, past due amount, highest balance, terms, and your statement. Status should be Paid in Full and account deleted from credit profile.

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 2022-07-24
Company: Checkr, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have worked for XXXX and XXXX in the past years and have passed background as I have no criminal record whatsoever nor have, I had a moving violation in roughly 15 years so there hasn't been a problem. A year ago, Checkr flagged me as ineligible to work and provided this information to XXXX and XXXX. I requested a copy of this report roughly 10 times and gave up. I'm now trying to work for these companies again and have not been able to due to the background report provided by Checkr. I have again requested a copy of this report multiple times in the past couple weeks only to be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: DISCOVER BANK
State: MN
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 filed a dispute with discover about a defective item that a merchant would not accept a return on within their return policy. Discover has constantly worked against me in the matter and aided with the merchant with no proof or documentation. Discover works for the merchants not the consumers of their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: National Credit Systems,Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation