BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
When I refinanced my home in 2006, the broker placed a {$2500.00} home insurance on my policy that I never agreed to. Eventually the loan was sold to XXXX XXXX XXXX and they contracted Select Portfolio Servicing to collect payments. In 10 years, {$25000.00} have been added to my loan in the form of forced hazard insurance on which I have to pay interest. Select Portfolio Servicing refused to cancel this insurance and I now have my home owner 's insurance which I paid myself to XXXX XXXX. Last year, Select Portfolio Servicing told me on the phone they would take it off, but I am still being charged for it. They have been found liable in the State of Florida ( XXXX Class Action ). 
Also, they do not respond to my mortgage modification application, except to place a door hanger on my door stating I am late on my payment and to contact them, plus sending a letter asking to cure the outstanding balance within 3 weeks or risk foreclosure. 
The amounts over the regular monthly payments do not get applied to the outstanding balance, but are put in an unapplied payment account, no doubt earning Select Portfolio Servicing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My ex-wife was ordered by the Florida courts to pay the XXXX XXXX XXXX mortgage and to remove my name from it, she did not do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: 1ST PREFERENCE MORTGAGE CORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2016 represented by a Realtor, XXXX XXXX who submitted a purchase contract for home XXXX XXXX XXXX, XXXX XXXX, Texas XXXX which was signed by an individual representing himself as the Executor of the Estate for XXXX XXXX XXXX. I spent {$3100.00}. in services fees ; earnest money, home inspection, HUD Consultant fee, termite inspection fee, hydrostatic testing fee, Home Appraisal, and comprehensive general contractor repair and rehabilitation proposal. Multiple amendments requested by 1st Preference Mortgage Corp Branch Manager to extend closing dates up to XXXX XXXX, with many questions asked by Buyers and was met with hostility and lack of information that will on estate was not probated until XXXX XXXX, 2016, and on XXXX XXXX, 2016 title on home contained curative actions required to achieve a " good deed '' to property. Meeting with seller on XXXX XXXX resulted in an Oral Agreement to extend closing date till XXXX/XXXX/2016 to resolve issues to achieve property sale and closing. On XXXX XXXX, 2016 seller decided not to sign contract extension and requested buyer to release earnest moneys to him. 
Buyer has incurred three months investment of time, and moneys to purchase property. Realtor representing seller knew that property was not eligible for sale on XXXX XXXX 2016 when listed for sale and on XXXX XXXX, 2016 when individual to become executor signed contract but was not legally authorized until XXXX XXXX, 2016 to sign purchase on home contract. As a first time homebuyer I feel deceived, and manipulated to believe I would purchasing this home for three months and was financially exploited by the 1st Preference Mortgage Corporation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello I try and keep track of the items that are on my credit especially my inquiries but yesterday I noticed that I have some inquiries that do not belong to me. I have n't lost any of my information I do n't think and I do n't believe someone has stolen my identity. Please send me information regarding these inquiries or have them removed as soon as possible because it is truly hurting my credit and I do n't have these accounts. 
TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/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 2017-10-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This complaint is with One Main Finacial in XXXX, NC. An employer there called my place of business, XXXX XXXX XXXX, as I am a XXXX. She called about a late payment on XXXX XXXX, XXXX in the XXXX  My payment is not due until XXXX XXXX, XXXX. A deferment agreement was signed on XXXX XXXX, XXXX to skip the month of XXXX as we tried to be proactive and realized we wouldnt be able to make XXXX payment but would be back on track in XXXX. One Main has my cell phone and my wifes cell phone. My wife was never contacted. They called my employer first and when payment isnt even due. Their response when I called was that, well you called back, and that they never received the deferment. When I asked for an email to send them th confirmation email I received when I requested the deferment, I was given one, but told it probably wouldnt work. They have been repeatedly told not to contact my family, other than my wife, and under no circumstance to contact my employer or wifes employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have signed up for AMEX XXXX card back in XXXX, XXXX with a XXXX application. 
I have linked my XXXX Credit Card account with AMEX SERVE account and transferred {$70.00} They send me AMEX SERVE card. 
I have used my XXXX application several times until XXXX. After that i have stopped using it. 
Starting from XXXX, XXXX they have started charging me monthly fees {$4.00} without any notice. 
I came to notice this on XXXX XXXX, XXXX when i received Email from AMEX XXXX Team saying, " They have added {$50.00} from my XXXX account, because my balance was below {$25.00}. '' This is something not acceptable. 
First of all, They did not send me any notice, email, phone call, not even a physical mail or not even a single statement since i have opened account. 
If i would have received at least a statement in mail/email, i would have closed my account so that i wont get charged monthly fees for the service or card which i am not using at all. 
Please file a complaint and let me know what i have to submit as a proof. 
After i have received email on XXXX XXXX, XXXX, i checked account and saved all the statements and i came to know that i was charged $ XXXX since XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX I filed online dispute XXXX about some negative accounts that are not mine. This is XXXX of them. On XXXX XXXX and XX/XX/XXXX I sent certified mails to Midland Credit Management to validate my debt per FDCPA 15 U.S.C XX/XX/XXXXg Section 809 ( 8 ) and per FCRA Section 609 ( a ) ( 1 ) ( A ). To date, Midland has failed to comply with my requests. I am attaching all documents sent to them with copies of certified request receipts. Today XXXX XXXX, I have sent them another letter to provide me proof of my alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a foreclosure letter from Select Portfolio Servicing on XXXX/XXXX/XXXX. This after they had turned me down for a Modification saying that they had not received all the information to review the modification and they were closing out the request. They consistently tell you that they did n't receive information or something was missing from the application, which is not true. 
I spoke with XXXX XXXX from the Ombudsman dept. On XXXX XXXX, and she told me the the foreclosure sale date would be on XXXX/XXXX/XXXX. In researching this I noticed that the foreclosure sale had not been posted to any local papers. The law state that .... The foreclosure sale must be advertised in the official county newspaper where the property was located once a week for four consecutive weeks prior to scheduled sale date. This had not happened as of XXXX/XXXX/XXXX. Sale date set for XXXX/XXXX/XXXX. 
I spoke with the foreclosing lawyer, XXXX XXXX XXXX and he referred me to his paralegal, XXXX XXXX. She told me the the foreclosure had been put on hold due to a dispute. I relayed that information back to the XXXX office at SPS and spoke with XXXX XXXX again. I informed her of the postponed foreclosure and she put me on hold to talk to her supervisor. She came back on and told me that they were working closely with the lawyer to keep the date of XX/XX/XXXX.I informed her that they would n't be taking the proper. She said they were doing it anyway. If they do this is an illegal process and I take issue of this. They are trying to set me up for failure with the modifications and then trying to foreclose on me .... illegally. The paralegal, XXXX XXXX, was in full agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: FACTUAL DATA CORP.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a complaint against Factual Data, to request removal of my XXXX credit report dated XXXX/XXXX/2015 and XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquiries that appears in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I reported fraudulent activity to Amex on my prepaid card which they assured me they would thoroughly investigate and would send me a new card. Less than 24 hours later I got a notice by email that the dispute was determined to be a valid charge and that I had violated the member terms and conditions so they were suspending my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In 2011, I was placed on XXXX due to a work related issue. The XXXX lasted for approximately 8 months. Upon being able to return to work, I was fired the following day and remained unemployed for an additional 3 months. I was making a significant salary at that time and also on an adjustable mortgage plan. During my XXXX/unemployment I was struggling to maintain my mortgage payments and became late. XXXX more month of being delinquent, I may have faced foreclosure. Thankfully, I regained employment but my salary was reduced by nearly 10 % in addition the commute was quite distant. On or around this period, my adjustable interest rate with HFC went up by nearly 50 %. I contacted HFC and requested assistance. HFC only granted temporary modifications at 6 month increments. My last time requesting for a modification, I was denied and told that I have exceeded the maximum amount of modification requests and advised that I can reapply in a year and I would be eligible once again for loan modification. I waited patiently and one year later, I reapplied and I was denied. I appealed the request stating that I was advised that I would be eligible after a year but my appeal was denied. The only XXXX options I was given were either a Short Sale or Deed in Lieu of Foreclosure. I turned down those options because I DO NOT WANT TO LOSE MY HOME! After struggling to make my mortgage payments, I tried to refinance my loan but was denied because I am underwater with my loan and my loan to value was not good. I was then referred to XXXX, XXXX for assistance. I worked with XXXX and they submitted my refinance request to HFC. Again, HFC denied my modification request and this time for different reasons. I was again only given XXXX options, either a short sale or a deed in lieu of foreclosure. 
During my time trying to work with HFC on refinancing my loan I was also told that they do not do modification loans in addition, do not have to comply with the Obama mortgage rescue plan. 
I am seeking your assistance in hopes by filing a complaint to HFC of their unfair acts with mortgage rates. Currently my XXXX mortgage rage is 7.59 % and my second just went up to 10.15 %!!! It 's sickening and absurd that mortgage companies are allowed to do this to consumers, knowing that they are stuck between a rock and a hard place and can not get out of their contract with them. HFC is very aware that I am underwater and my LTV is too low that no other bank will refinance my loan so they are taking advantage of a long time customer with a high interest rate and knowing that the current market rate is between 2-4 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$5500.00}

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 2017-02-15
Company: Pacific Union Financial, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am not sure how I got into a FHA loan, but I did. My current balance is approx. XXXX my house is valued well over a XXXX. I have a rate of 3.25 % and a PMI at {$570.00} a month. I have contacted my bank twice, the last time was XXXX XXXX, XXXX. I asked them when the PMI was to drop off and I told them I loved the 3.25 %, but was tempted to refinance. My XXXX score is above XXXX and I almost always pay extra to the principal. I got a generic response to my PMI removal inquiry on the same day as requested XXXX XXXX, XXXX. Later on XXXX XXXX, XXXX I received a date of XXXX/XXXX/XXXX as to when the PMI would fall off. It has not. Every time I call or attempt to contact the persons who handle the PMI program at the bank I am told to make contact via e-mail. I do this and keep getting the run around. I am at wits end. I will attach the e-mails that I have received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
To whom it may concern, I have opted out of prescreened credit card offers permanently through the information provided by the FTC around XX/XX/XXXX. All offers have stopped except from American Express who continue to send me prescreened offers almost weekly. 

Additionally, around XX/XX/2016 I was a victim of identity fraud and as a result I put a freeze on my information through the credit bureaus. I was supposed to stop receiving prescreened offers but again continue to get them from American Express almost weekly. I have contacted the company multiple times, through writing and through phone to no avail. 

I just want these offers to stop as they could potentially put me at risk for more fraud. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Both my husband and I have tried to order our credit report from the https : //www.annualcreditreport.com/XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for Transunion. Please correct this problem so we can get copies of our reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX. Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX for {$4900.00}. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2016-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I had decided to end my business relationship with XXXX XXXX, DE. I had a XXXX with this financial institution, and decided to transfer the current balance over to a different card. Thus, I had no reason to monitor my account. I had not realized that a vendor that I had done business with in the past ( XXXX ) had been posting unauthorized charges to my XXXX XXXX, until I had begun receiving emails from XXXX regarding my account being past due. By that time, I had already been 60 days late in paying my credit bill. I quickly contacted the vendor, and explained the situation, and XXXX had credited me back for the amounts they had charged to my card. I then went to XXXX, and they reversed all late fees. The problem I am facing is that both XXXX and TransUnion are refusing to remove the 30 & 60-day late entries on my credit bureau reports ( which are the only adverse information on my report ). This is where I need help -- in getting these negative items removed from my report to retro-chronologically reflect what my report should have had, had there not been any unauthorized charges to begin with.

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 2015-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I HAVE RECIVED LETTERS IN THE MAIL REGARDING A TAG FOR A CAR. STATING THE CAR TAGS ARE GOING TO EXPIRE AND THAT I HAVE TO RENEW. I DO N'T OWN A CAR.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
On XXXX/XXXX/XXXX I mailed Cease and Desist letter to Regional Finance as I am no longer able to make monthly payments. The calls stopped for a couple of months, but Regional began calling again in XXXX XXXX XXXX to three times a week sometimes twice a day.

Company response to consumer: Closed with non-monetary relief