BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
AS REFERENCED IN SPS ' RESPONSE TO MY PRIOR CFPB COMPLAINT # XXXX, SPS STATED THAT THEY INFORMED ME AS TO WHY THE HIGHER CONTRACTUAL PAYMENT WAS DRAFTED HOWEVER SPS DID NOT DISCLOSE OR EXPLAIN WHY THEY ASKED ME TO ALSO MAKE CHECK PAYMENTS WHEN THEY WERE AUTODRAFTING MY ACCOUNT PER THEIR DOCUMENTATION RECEIVED BY ME IN MID XXXX XXXX WITH MY LOAN MODIFICATION PAPERWORK. 

IT IS NOT BECAUSE SPS AUTODRAFTED ME THAT I INCURRED BANK FEES, IT IS BECAUSE SPS AUTODRAFTED FOR A CONSIDERABLY HIGHER AMOUNT AND ALSO REQUESTED THAT I COMPLETE AUTODRAFT PAPERWORK TO REINSTITUTE AUTODRAFTS AND MAKE CHECK PAYMENTS IN THE INTERIM TO ENSURE MY ACCOUNTS REMAINED CURRENT, TO WHICH I WAS OVERCHARGED AND INCURRED BANK FEES OF {$110.00} FOR DUPLICATE CHECK PAYMENTS ( AS I WAS NOT AWARE THAT SPS WAS CONTINUING WITH MY ORIGINAL AUTODRAFT SET-UP WHEN MY ACCOUNTS ORIGINALLY TRANSFERRED TO THEM IN XXXX ). 

AS PART OF THE LOAN MODIFICATION PROCESS, SPS HAD STATED TO ME ON SEVERAL OCCASSIONS THAT THE AUTODRAFT PROCESS WOULD HAVE TO BE SET-UP AGAIN ONCE THE MODIFICATION WAS FINALIZED. YOU CAN IMAGINE HOW UPSET I WAS AFTER A LENGTHY MODIFICATION PROCESS WHERE THE SAME DOCUMENTS HAD TO BE SUBMITTED 5-6 TIMES BEFORE THEY COULD FINALLY GET THE MODIFICATION GOING, TO THEN HAVE THEM FINALLY FINISH IT 6+ MONTHS LATER BY SIGNIFICANTLY OVERCHARGING MY BANK ACCOUNT, CONTINUING TO PROCESS CHECKS - NOT ONCE, BUT TWICE EVEN AFTER I NOTIFIED THEM OF THEIR ERROR, REFUSE TO APPLY THE OVERPAYMENT TO MY ACCOUNTS APPROPRIATELY ( AT LEAST FOR ANOTHER THREE MONTHS ), REFUSE TO CREDIT ME THE {$110.00} IN BANK FEES, AND THEN START REPORTING DELINQUENCY ON MY ACCOUNTS AS A RESULT, DESPITE MY ORIGINAL REQUESTS FOR CORRECTION IN XXXX XXXX AND CONTINUALLY REQUESTED BY ME EACH MONTH UNTIL I STARTED FILING COMPLAINTS THROUGH CFPB IN XXXX XXXX ... THERE WOULD HAVE BEEN NO FURTHER DISPUTE, NO FRAUDLENT CREDIT BUREAU REPORTING, ETC. 

THE FINAL CORRECTION DEMANDED BASED UPON SPS ' ERROR IN XXXX XXXX, IS THAT MY CREDIT WORTHINESS BE RESTORED AND THE LATE REPORTINGS TO THE CREDIT BUREAUS FOR THE MONTHS OF XXXX, XXXX, XXXX XXXX BE CORRECTED. SPS HAS ALREADY CORRECTED THE PRIOR MONTHS CREDIT REPORTINGS TO THE BUREAUS FOR THE PREVIOUS MONTHS IN THEIR RESPONSE TO MY CFPB COMPLAINT NUMBER XXXX. THEY SHOULD HAVE CORRECTED THESE THREE MONTHS AS WELL AT THAT TIME, BUT THEY CONTINUE TO CONDUCT THEIR BUSINESS IN A DISHONEST FASHION, DEFRAUDING CONSUMERS OF THEIR RIGHTS. I FOLLOWED UP WITH THEM VIA TELEPHONE SEEKING AN AGAIN TO ACHIEVE AN AMICABLE SOLUTION AND NOT INVOLVE OUTSIDE PARTIES, HOWEVER, SPS LEAVES ME NO OTHER RECOURSE BUT TO CONTINUE MY COMPLAINT THROUGH CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
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: Personal information incorrect

Complaint:
The bureaus have me listed with multiple address that belong to my son. This is misleading and was done by the three bureaus and XXXX XXXX XXXX Attorney in XXXX Texas. He send multiple personal document to my so to publicly embarrassment and harass me.. My son contacted and forward legal and personal information sent to him in an attempt to embarrass me. 

The attorney knew my address well because he sent me the same documents at my actual address XXXX XXXX XXXX XXXX, TX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-07-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have submitted paperwork for a loan modification to SPS. SPS will not work with us on a modification due to prejudice of supposed home value. Our home is in a nice area and SPS is overvaluing the home. Our home is now in foreclosure status. SPS wants the home back to sell. SPS has not been helping us in our time of need. The lender consistently had prejudice reagaring the home value. We have seen what the homes have been selling for and it is a lot less then what SPS is estimating. We have been charged excessive fees by SPS making it harder to get a loan modification. We were constantly being asked for the same documents over and over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The above referenced debt is being reported in error and inaccurately on my credit report. 

The account does not belong to me and this has been confirmed in writing by Commonwealth Financial/Northeast Credit & Collection. Please refer to the attached CFPB Complaint showing that this debt is for a minor and does not belong to me. It is worth noting that I am not the custodial parent or guardian of any child whom could have acquired this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX was not correct. The statement had a double billing for XXXX XXXX in the amount of {$3200.00} for " Taxes ''. The Ditech error raised my XXXX/XXXX/XXXX payment to {$1900.00}, which is not correct. I contacted Ditech on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for resolution. Noticed a Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX, which stated payment due of {$1900.00} on XXXX/XXXX/XXXX and payment due of {$1600.00} due on XXXX/XXXX/XXXX. I dispute the payment of {$1900.00} due on XXXX/XXXX/XXXX. I assert the payment due on XXXX/XXXX/XXXX should be {$1600.00} and moving forward the XXXX of each month. Contacted Ditech on XXXX/XXXX/XXXX to dispute their second error, and Ditech stated {$1900.00} due on XXXX/XXXX/XXXX and refused to correct their error resulting in the erroneous amount due on XXXX/XXXX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
From XXXX our mortgage was transferred XXXX to Green Tree Servicing LLC.Since then we experienced change in our financial agreement. The name of the borrower and co-borrower were reversed and we received diferent tax interest form XXXX. 
We have XXXX phone calls and XXXX text message but they did not explained us is this change have been made on legal base.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hello I have asked Experian on XXXX different time to investigate the FRCA 609 FEDERAL LAW act in which clearly states that me the consumer have the right to asked them to provide me a copy of my original signature and documents on XXXX different accounts they have failed to provide me with any of the accounts they keep sending back to me its been verify I have yet to see anything. right now they are in violation of the fcra section 609 / 616 and 617 fcra act! I wanted to file a complaint XXXX One bank XXXX XXXX XXXX XXXX XXXX XXXX ALSO ALL credit inquires that

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 2019-02-22
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a Netspend Mastercard in the mail. I never applied for this. Since then my checking/Debit Card and XXXX Credit Card has been hacked. I tried calling the phone numbers for this Netspend but have been unable to get in contact with anyone for further information. I do not and did not open this accout.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, Isent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating '' They do not report any bankruptcies to anybcyody. '' So if thats the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term ''investigative consumer report '' means a consumer report or portion thereof in which iformation on a consumer 's character, general reputation, personal charactericstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

They credit bureaus violated my given rights under USC 1681.

According to U.S.c 1681 section 602 A. States I have the right to privacy.

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 2018-12-01
Company: EQUIFAX, INC.
State: VA
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:
An application for business credit was applied for using BUSINESS credentials -- not personal information was inputted into this application ( i.e., SSN ). Equifax allowed XXXX XXXX  access personal information for a business credit card. XXXX claims that based on the terms of the BUSINESS APPLICATION that they were authorized to check personal credit, but this is NOT the case if the only credentials you have on the APPLICATION is the EIN of the BUSINESS and not the SSN of the personal applying. XXXX allowed access of my information without having proper authorization, and XXXX XXXX instead of aborting the application process infiltrated my privacy by prying beyond what they had access to. They need to provide the actual application and not just the terms of a generated web TERMS and AGREEMENT document. A denial letter is attached whereby XXXX XXXX  checked MY PERSONAL CREDIT FILE WHILE HAVING NO SSN on their application to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The creditor on my file uses a bi-weekly business model rather than a month to month business model. I contacted Experian to dispute the account reporting of this creditor. The account status was reported as repossessed/never late. I asked for an explanation of this item and Experian stated it would investigate the account status. After conducting their investigation, Experian permitted the creditor to update the status to repossession. The creditor was also permitted to updated the account activities as a repossession in XXXX XXXX and in XXXX XXXX. The creditor was permitted to updated the account activities as a charge-off in XXXX XXXX and XXXX XXXX. The creditor has been permitted to update the account activities as if the events took place over a six month time period when in fact the activities took place over a 31 day time period. The account was opened in XXXX XXXX, not XXXX XXXX. The vehicle was repossessed 31 days after the account was opened and was not late. The creditor was permitted to report fraudulent and inaccurate information after conducting their investigation.

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 2018-07-17
Company: TD BANK US HOLDING COMPANY
State: RI
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:
NORDSTROM/TD BANK USA XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 114 % Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment - Past Due Amount {$1900.00} Account has been closed/charged off since XX/XX/XXXX which is still reporting a balance along with reporting a delinquent payment history every month up until present day. The account was written off by Nordstrom who in turn sent me a tax form stating so back in XX/XX/XXXX/XX/XX/XXXX. Please stop allowing this account to continue to report negative payment for the last 4-5 years, I have no way of knowing who debt was even sold to therefore can not make payment even if possible please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This loan was originated from XXXX XXXX College in XX/XX/XXXX. The school was shut down by the Board of Education on XX/XX/XXXX. With no notice, heads up. Just Abruptly shut down. All other loans were discharged. Why not this one. 

Total : XXXX as of XX/XX/XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an notice that a collection ( XXXX XXXX and XXXX ) was added to my credit profile with all but not limited to major credit reporting agencies Equifax. After investigating ( calling, asking for correspondence letters, etc. ) I found that the collection added to my credit profile was fraudulent and against the law. I disputed the collection several times with credit bureaus ( Equifax ) and was told that the debt was verified. The collection that's being reported is a civil judgement in the amount of {$2300.00} which is what the XXXX district court has on file. But Equifax has the collection reporting {$3800.00} with said company above. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX laws were passed that prohibit civil judgements to be placed on credit profile with all but not limited to XXXX, Equifax and XXXX unless they include all of the following ... 

Classification codes and original creditor, Full name, date of birth, address, social security number and a monthly full file report. 

Law passed on XX/XX/XXXX also states that, '' the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days. 

Upon speaking with a clerk at the XXXX district court in person, I learned that no one ( Equifax or any other 3rd party agencies ) has been to verify any information pertaining to the civil judgement that has been placed on my credit profile. 

Equifax has been reporting wrongful and illegal information ... 

there's no date of birth, no social security number, no address nor name attached to the collection. The dates from the civil judgement and dates reported by Equifax doesn't match. The amount of the civil judgement and amount Equifax and XXXX are reporting doesn't match. 

I have included attachments of the civil judgement and other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had my Barclays Priceline Travel Rewards XXXX for years ( maybe XXXX? ) and had been in good standing for the last several years with a credit limit of {$6500.00}. 
I received a letter in the mail last weekend ( XX/XX/XXXX ) that my account had been closed due to late payments missed. 
I was confused, as I knew I had paid my account down to {$0.00} sometime in XX/XX/XXXX. I logged into my account, and I saw a balance of roughly {$55.00} that had accumulated from interest and late fees from said interest over several months. After I paid my balance with Barclays down to {$0.00} in XXXX, a XXXX statement posted with {$1.00} in interest. I had no knowledge that this statement existed, or I would have happily paid it. After paying the balance to {$0.00} in XXXX, I never logged into the account until receiving the letter this XXXX. No attempt to contact me was made, other than statements that were posting to a junk folder in an email I no longer use. 
I have settled the outstanding balance with Barclays upon receiving the letter, but in return, my credit score has dropped XXXX points from the account closure and missed payments, and Ive lost a line of credit that Ive had for years. When I contacted Barclays I was told nothing could be done and I filed a complaint to have someone contact me. I have not received any communication from them since filing the complaint. I am beyond frustrated that ZERO attempt was made to contact me via phone ( which is on file ) or post about the outstanding balance, other than the letter that arrived 5 months later stating that the account had already been closed - ruining my credit score and removing my access to this line of credit. Its about more than the estimated {$55.00}, this has deeply impacted my ability to obtain other lines of credit and will take years to repair. I feel cheated that not one customer representative tried to contact me to collect payment, solely relying on an automated service that was hanging in limbo in an abandoned email account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
XXXX/XXXX/16 my husband and I traded our vehicle and the payment was upcoming due on the XXXX XXXX of XXXX 2016, however the dealership stated they were paying it off and for us not to make the payment on XXXX XXXX ND 2016. The bank went into our joint savings and withdrew the payment. For XXXX it 's not just my husband 's money it 's mine as well when I called the bank 3 times they did not want to speak with me because I was not on the auto loan. But they still touch my money out of my savings so how do you explain that. However I finally spoke with XXXX or XXXX from collections department, and she understood what happened and stated she would reverse the payment. It is Saturday the XXXX the of XXXX and nothing is back yet. I called again and spoke with a XXXX and gave me attitude and kept arguing with me! I asked for managers and supposedly there was not any asked for a supervisor and he was understandin and explained what was happening with the reverse funds. I need in writing that a loan that only my husband has they have the right to withdraw from a joint account when I 'm not on that loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have been harassed by Navient every two hours from XXXX to XXXX for over six months. I have spoken with them trying to work them on my monthly payments and they are not willing to work with me. I have been unemployed for over six months and Navient will not supply reasonable payments ( no Deferment and Forbearance available to me ). They have proof of my income and still not able provide affordable payments and to live. Please help!

Company response to consumer: Closed with explanation