BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been working or a Short Sale for Select Portfolio Servicing for a Loan for XXXX Bank Loan No. XXXX for XXXX XXXX at XXXX XXXX XXXX, XXXX, Florida XXXX. We had an approval letter that expired on XXXX/XXXX/2015 we asked for an extension on XXXX/XXXX/2015 with a credit toward closing cost and provided how the roof has no life left and the plumbing needs to be all re done. 
We were told on XXXX/XXXX/2015 that it would be XXXX business days. Then we were today XXXX business days. We were contacted by a lady named XXXX from XXXX on XXXX/XXXX/2015 asking for changes to the HUD and saying we should have approval by Friday XXXX/XXXX/2015. We called each day and then on Friday we called and were told by XXXX XXXX at EX XXXX that a manager would contact us by XXXX EST. Ofcourse, this did not happen, we called back to be told by XXXX XXXX a Manager that the file for extension was declined on XXXX and that us resubmitting on XXXX/XXXX/2015 is too close to the short sale date of XXXX/XXXX/2015. I have had many files with XXXX and know this is how they do this. I advised them on a recorded line that they were going to pull this game. 

This is not working for the homeowners or for the best interest of the economy. You have a ready willing and able buyer to purchase a run down property and make it habitable and the Banks are not willing to proceed. 
The Offer on this property is XXXX with a Net to the Bank XXXX XXXX on a Loan amount of XXXX. I would say the numbers work on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: BB&T CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car loan through Regional Acceptance that I paid the last and final payment on XXXX/XXXX/16 of XXXX. I spoke to the company on XXXX/XXXX/16 to confirm m my new address so that the title could be sent and was told by the rep that it was sent out on XXXX/XXXX/16. On XXXX/XXXX/16 Regional processed a debit of XXXX on my checking account without my knowledge or authorization. I would not h have made a payment after I had paid a final payment previously. This company y did this once before earlier this year and I had to block any checks from them on my account. I am concerned that they held my personal debit card informat on file from a previous transaction, this is dishonest, unethical and a violation to the Fair debt collection practice act. Please hold them accountable and keep them from doing this again in the future to other 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
Consumer complaint received 2017-10-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company is PennyMac. They failed to pay the XXXX, XXXX school tax bill, although it appears they paid the prior and also subsequent school tax bills. I discovered this a few weeks ago when I received notification from the XXXX, NY County Treasurer ( which included a threat of taking my home if this is not paid ). I contacted the school district after I was able to learn that was the unpaid bill ( the County Treasurer letter only indicated there were unpaid taxes ), who were very nice and informed me the XXXX, XXXX bill had not been paid. 

I have contacted PennyMac several times, by phone and through their website messaging center ( for which I log in to my account on the PennyMac website ). The initial written complaint to PennyMac was XXXX/XXXX/XXXX. The most recent attempt to get a result in writing from PennyMac was XXXX/XXXX/XXXX, in writing through their website again. I also called PennyMac today, XXXX/XXXX/XXXX. 

I have, as of a couple of minutes ago, had no response to the XXXX/XXXX/XXXX written message to PennyMac insisting on an immediate response and written resolution. In that same message I indicated I would pursue action through Federal legal AHJ if I did not receive a response and written resolution. 

Since I have not, herein I am initiating action through your Agency vs. PennyMac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20
Company: JAMES B. NUTTER & COMPANY
State: HI
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt collector falsely represent that they are attorneys and continues to harass and take illegal actions to force payment of an alleged debt. 
Debt collector is a replacement of a previous debt collector who withdrew from an illegal court action, after being demanded to validate the alleged debt in which they could not. 
Present debt collector has not validated or verified the debt. I have repeatedly demanded validation and verification to no avail.. 
Debt collector has been demanded to cease and desist but continues to use private information, nonjudicial action to dispossess consumer of personal property, communicate harassing letters threatening to evict and take property, and mail communication with envelopes printed with law firms return address. 
Debt collectors has been demanded and noticed of a lawsuit to compensate consumer for violation of FDCPA, till today I have not receive a response or any communication in regards to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: AMERICAN EXPRESS COMPANY
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
On 1/23/22, several fraud charges using Send and Split feature were posted on my AMEX  account. As soon as I saw these charges, I immediately called AMEX to inform them of fraud and that those transactions have not been authorized by me. Since XX/XX/XXXX I have called AMEX multiple times, i.e. XX/XX/XXXX, XX/XX/XXXX, etc. until last month because the amount has not been completely settled. I am still owed XXXX, and it has been painful to settle this issue with AMEX.

Please see the details below:
	        charges		                 reversalXX/XX/XXXXXXXX
XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
XX/XX/XXXXXXXX XXXX
XX/XX/XXXX XXXX       XX/XX/XXXX	XXXXXX/XX/XXXX XXXX XXXX	
TOTAL     XXXX XXXX

I am hoping that you are able to assist me with this. Appreciate the support you can provide me. If you need additional information, please let me know.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: TX
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:
THIS IS NOT A DISPUTE REQUEST FOR ANY OF THE NAMED ACCOUNTS. 
I DONT WANT TO OPEN ANY NEW DISPUTES! 
THIS IS AN ISSUE WITH THE REPORTING ACCURACY OF EQUIFAX ONLY!!! 

Since XX/XX/XXXX I 've been having problems with Equifax. Since XX/XX/XXXX, I have been going back and forth having accounts, old addresses, inaccurate personal information removed/corrected and/or updated. Now all of a sudden all of things I worked so hard to get removed just magically reappeared with no explanation. 

Every time I call, all I get is more open disputes, which are pointless when such items have already been disputed and solved. All I want is for Equifax is to fix my report back to how it was prior to their breach of security, as the current reporting is hindering me from obtaining a mortgage. Since XX/XX/XXXX I have been disputing, do not open any more disputes. 

Personal Information : My name should read as first and last name only. My only accurate phone number is XXXX. My addresses are XXXX XXXX XXXX # XXXX, XXXX, TX XXXX and XXXX XXXX XXXX , XXXX, TX XXXX. ( full numbers are masked ) My job is only XXXX XXXX only. Any information outside of what I just listed is incorrect and need to be removed immediately. 

Inquiries : Since XX/XX/XXXX the only inquiries should be XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Anything else is unauthorized and was previously removed but all of a sudden reappeared. 

Accounts 9 account numbers not listed due to security ) : 3 derogatory accounts were previously deleted as the companies had no proof they were my accounts however reappeared last month. These accounts, XXXX XXXX XXXX, XXXX XXXX and XXXX need to be removed immediately. These accounts were originally removed in XX/XX/XXXX/XX/XX/XXXX, I dont understand why they back on now. 

XXXX XXXX accounts should be reporting as paid charge off and was reporting as such in XX/XX/XXXX but now they are not correct or remove the accounts immediately ( see attached documents ) XXXX shouldnt be reporting and wasnt reporting until your breach ( see attached letter ). 

XXXX XXXX, should also be removed as it is a fraud account, and was removed until your breach ( see attached document ). 

XXXX XXXX XXXX XXXX/XXXX XXXX, should and was removed in XX/XX/XXXX, now its reappearing. ( see attached document ) Please correct or remove the reporting of these accounts, as this problem is a reporting problem with equifax not the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX  XXXX is reporting twice on all three of my credit reports. I have since paid the card that i had off and it is a part of the problem with me getting my children into a home I need these derogatory marks removed from my credit report.

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 2017-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account with Bank of America, here after referred to as BOA with a {$100.00}. I spoke in length, approx 30-45 min because was very leery about the bank, that I am getting some large checks due to a settlement from my lawyer and want to make sure that they will clear within reasonable time. She told me it would be fine, walked me to the teller and printed out the holds and sates of release. If applicable, i have the printed receipt that i can enclose or forward to you. It was a type A Hold on {$4800.00} until XX/XX/XXXX and a type D Hold untilXX/XX/XXXX for $ XXXX+. That was agreeable because I was to get married on the XX/XX/XXXX and i could pay the caterers, the photogrpher, cake, reception place, etc, plus get ourselves an apartment because we just moved here into south carolina. When I contacted them, they now are holding my money until theXX/XX/XXXX, even though it was from my attorneys office. I cant pay anybody with promises, they demand to see money up front. i tried multiple times to have managers call the risk department and they wont budge. I even told them just give me $ XXXX {$800.00}, and my social security check with is still linked with the bank is more than that and they can hold against my ss check, but not to screw up my wedding, please.

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 2015-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted Select Portfolio, my mortgage servicing company, in order the obtain a letter entailing the amount I need for reinstatement to avoid eminent foreclosure. They sent a letter of reinstatement, but it did not state that this amount was the amount needed to avoid eminent foreclosure. When I contacted them to inform them of this, they related that they do n't write letters of this nature. They also stated that they are not in the processing of foreclosure upon my property, but 'in litigation '. I was confused. " Foreclosure is the legal process in which a bank or other secured creditor sells or repossesses a parcel of real property after the owner has failed to comply with an agreement between the lender and borrower called a 'mortgate ' or 'deed of trust ' ". Since they are in the process of trying to force a sale of my house through the courts, and represent XXXX bank, how can they say that I am not in danger of eminent foreclosure? They further directed me to make a payment immediately. I am unsure where that payment would go nor am I sure it would be used to avoid eminent foreclosure. I am in the process of getting help to work with the bank, but they do n't seem interested in working with me. They said all of our conversations are recorded, so there should be no discrepancy as to each conversation that transpired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: CA
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:
please find attached the letter from the creditor for which they have approved of this account being inaccurate reporting. please help me to have XXXX and experin to remove this inaccuracy from the credit reports

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 2020-01-19
Company: EQUIFAX, INC.
State: TX
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/XXXX I was in a wreck which totaled my vehicle XXXX XXXX XXXX which was deemed a total loss by my insurance company XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX I provided all requested documentation to both XXXX and my XXXX  insurance provider XXXX XXXX. 
Since they were unable to obtain a police report, the claim was placed on hold. After acquiring the police report, they refused to pay the agreed balance until the case was resolved and deemed dismissed. This was communicated to the loan provider XXXX XXXX XXXX XXXX XXXX and they continued to demand payment in full of the remaining balance of {$18000.00} immediately which could not be done. 
I made regular payments up until XX/XX/XXXX and XXXX paid {$12000.00} on XX/XX/XXXX leaving a remaining balance of {$5200.00} which was the responsibility of XXXX XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX fees and interest were continually charged on the account and on XX/XX/XXXX a payment in the amount of {$3100.00} was made to the account by XXXX XXXX based on the original valuation provided directly by the lender XXXX XXXX XXXX XXXX XXXX. Through all of this XXXX XXXX XXXX XXXX XXXX assured me there was nothing I could do and to wait and never mentioned a balance after receiving their payments. When I realized there was still a remaining balance from INTEREST on the account in the amount of {$400.00} on XX/XX/XXXX I immediately organized a payment plan to pay the account and paid the amount of {$400.00} on XX/XX/XXXX. They now display this account negatively on my credit and have refused to remove such remarks though I held up all aspects of my agreement and made all payments as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX listed below has violated my civil rights : XXXX XXXX XXXX XXXX : {$100.00} 15 U.S.C 1681section 602 A. States that I have the right to privacy. 

15 U.S.C 1681section 604 A Section 2 : It also states that 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 2016-07-14
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has again withdrawn money from our checking account even though their authority to do so was discontinued on XXXX XXXX, 2016. We realized that the company can not be trusted to have the authority to auto debit our bank account after they repeatedly withdrew more money than they were entitled to. Yesterday, XXXX XXXX, Wells Fargo drained our checking account of {$1200.00}. We did not owe them this money and they did not have the authority to take it. Since we have other bills we need to pay, we called Wells Fargo customer service immediately, who verified that Wells Fargo told us they would eliminate auto-debiting our account on XXXX XXXX. We then explained that we need the money to pay our other bills, the customer service rep explained that, although he was very sorry we were put into this position, there was nothing he could do except request that the money be returned, which would be in XXXX 10 business days. In many past incidents with Wells Fargo, we know that they do not get things done in XXXX to 10 business days. Meanwhile, how do we pay our other bills? 
Is this in retaliation to our XXXX former complaints to CFPB about Wells Fargo, which still have not been responded too? When does a bank 's mismanagement of customer 's money become criminal? Wells Fargo is clearly profiting by taking money they are not owed and holding on to it while the customer suffers.

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 2015-05-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern, I 'm filing this grievance against Select Portfolio Servicing ( SPS ) for failure to record new terms to my loan with XXXX XXXX County records. A loan modification is a permanent change to the loan terms and I 'm seeking to reduce the possibility of future issues in the event that my loan is transferred to a new servicer. Primarily I 'm concern here is the fact that I 'm reassuming a debt that was previously discharged in XX/XX/XXXX prior to completion of a loan modification on XX/XX/XXXX. 
Per the California Bill of Rights it is required that lenders record loan modifications. 
A recent decision by the XXXX Circuit Court of Appeals underscores the critical importance of timely recordation of mortgage interests and the ineffectiveness of the " earmarking '' and " contemporaneous exchange for new value '' defenses in the face of the strict timing rules set forth in section 547 ( e ) ( 2 ) of the Bankruptcy Code. Lenders should take note of a XXXX Circuit decision earlier this year in which the Court of Appeals highlighted the importance of timely perfection of security interests and mortgages. Rejecting XXXX defenses commonly raised in preference actions, the Court of Appeals held that a lender who takes more than 30 days to perfect a mortgage interest in real property XXXX have that interest voided in a mortgagor 's bankruptcy case if the perfection occurred within the 90 days preceding the bankruptcy filing of the mortgagor. 
I 'm seeking assistance and demand that SPS immediately record my new terms accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I used to own a property with my ex-girlfriend. When we split, I quit claim deeded off the property so she could refinance the loan out of my name and solely into hers. Instead of refinancing, she modified the loan without my knowledge. The lender acknowledges that I was and am not an owner of the property and never signed loan documents for the modification but refuses to remove the modification from my credit report. This is severely negatively impacting my credit and I had no knowledge that the loan was modified in my name. I was able to obtain a copy of the deed and it even states that the borrower ( my ex-girlfriend ) claims that there was no change in ownership of the property since the original loan, but there was a change, as I was removed from being an owner. Also, it is my understanding that it is illegal to place a loan in someone 's name or modify a loan without the knowledge and consent of the person whose credit is being affected by the event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, XXXX, AND TRANSUNION HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. YOU, XXXX, XXXX, AND TRANSUNION, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS.

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