BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-11
Company: BB&T CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
my original bank was bought out by XXXX, no problems, Then BB & T bought out XXXX, Then the problems started, my original contract on my Line of credit overdraft protection, both other banks honered my original contract, If i over drew I would pay no fees, id pay back {$50.00} plus a few dollars interest, BB & T is chargeing me {$3600.00} dollars everytime, sometimes $ XXXX.I was never told this or was given any paperwork stateing such fees would be charged or incurred. 
I am a XXXX on fixed income, They have made my credit line max out from these fees, so now they are running up take started out as {$35000.00} missing out of my account, each month, Then it went up to {$750.00} missing out of my account, it is having a snow ball effect on my income. I cant afford my Morgage threw XXXX second morgage threw BB & T, in which that Home Equity was taken out in 2006 with the Original bank XXXX, Now I cant afford Food, I am going to loose my car, My home, and not be able to put food in my stomach. 
This is illegal practices and XXXX Abuse, I am asking you for your help in rectifing this matter, I am asking you to have them put ever fee they have charged me since they took over my bank from day one to present, If not I will be taking legal action against them and you if need be, Until all those fees are put back in my bank account, You are here for the consumer from fraudulent practices, and are paid by me and many taxpayers, we the consumer and the tax payers bailed the banks out for issueing undocumented loans fraudulant activities to begin with, now this is another scam by the banking industry to become predators against those same taxpayers that bailed them out, If I have to Right my Mayor, my congressman my senators and my President Donald J. Trump, if said money is not put back in my account, Looking forward to your help and cooperation in this matter,. 

Yours truly XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Home XXXX Cell XXXX BB & T bank is located XXXX XXXX XXXX XXXX NJ 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 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a pending transaction notice to my checking account on XX/XX/2020 at XXXX XXXX  from a company listed as TU *TRANSUNION . The phone number listed was XXXX. XXXX the number took me to some sort of credit site. Im XXXX. I dont have credit yet. This is an unauthorized pending xharge.

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 2020-03-15
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was assumed by New Rez effective XX/XX/XXXX from XXXX. I was contacted by the new company and told it would be a good idea to refinance at this time. I have dealt solely with XXXX XXXX. LO / AE NMLS # : XXXX via phone and email. I told Mr. XXXX what I wanted to accomplish through a refinance and what I was willing to pay. He assured me the numbers would work and we proceeded. I was told I had to have a home inspection paid for out of pocket. I paid for the home inspection. I was given the impression the paperwork would be sent to me quickly. I took multiple weeks and when arrived, the new loan is for a payment I could never afford almost {$400.00} more than I currently pay and at a higher interest rate than I currently have. I made it very clear that I would not be interested in refinance without it bringing down my interest rate and not changing my monthly payment more than {$100.00}. Mr. XXXX assured me this was how the loan would look. During this long process I have also managed to bring up my credit score 40 points so there is no reason on my end for the interest rate to have gone up. I feel they misrepresented what they were offering and cost me the money for the home inspection. I could have applied that to another debt that would have positively impacted my credit score further. Now I am out {$500.00} and have not successfully refinanced. This is very sad to me. XXXX was enough of an issue but to now be sold to an unethical company I am worried about the future of my mortgage. 

I have attached the email telling me I had to have the appraisal and the fee associated as well as the first document sent to me showing 3.75 % and the final document showing 4.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Experian Information Solutions Inc.
State: WA
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:
a hard credit inquiry by XXXX not mine have had same account over 30 years for cable TV never lived in XXXX have been at same address 34 years not my inquiry please remove

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX / XXXX / {$310.00}

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 explanation
Consumer complaint received 2020-03-15
Company: EQUIFAX, INC.
State: MN
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:
Since XXXX of 2019 I have been trying to correct fraud on my credit profile held under Equifax. 
I have sent disputes every month for accounts on my credit profile that arent mine. 
XXXX  XXXX and XXXX have all deleted the same accounts for fraud and they couldnt verify the information. Equifax continues to send letters stating the accounts are verified as accurate and when I ask for Method of Verification they dont respond to those letters and multiple disputes they dont respond in the 30 days required under the FCRA. 
I have sent police reports, filed and sent FTC reports, and have completed all the tasks needed from Equifax to remove these accounts. 
They have stated in letters that item is verified as accurate and that every credit bureau has policies and procedures to remove items and just because other credit bureaus have removed items due to fraud doesnt mean they can. Every credit bureau has to follow the Fair Credit Reporting Act and Equifax continues to not follow them. 
Equifax removes these fraudulent accounts : 1. Us DEPT of Edu/XXXX ( Account Number : XXXX ) 2. XXXX/XXXX  ( Account Number : XXXX ) 3. XXXX/XXXX  Account Number : XXXX ) 4. XXXX - XXXX XXXX XXXX  ( Account Number Unknown- Alleged Balance is {$42000.00} Charged- Off )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
HI! 

LAST YEAR BETWEEN XXXX, AND XX/XX/XXXX. SOMEONE CHARGED MY BANK OF AMERICA MASTER CARD FOR {$2000.00}. FROM XXXX, XXXX XXXX? XXXX XXXX, WHAT I WAS TOLD COULD BE A FACTORY OUTSIDE OF XXXX, TX. WAS NOT PAID BACK TO MY CREDIT CARD, AND THE PAPER TRIAL WAS COVERED BY PERPS ON 3 AREAS! MY PERSONAL AFFECTS IS ONE, POST OFFICE? ONE OF THEIR EMPLOYEES, AND CROOKS HERE IN THE AREA THAT THEY SAID WAS A HOT THEFT AREA. DUE TO DEVILS, AND FALSE PROPHETS! MY BALANCE WAS AROUND {$7200.00}. THEN. 


ALSO, I WAS REFUSED CREDIT IN A STORE, XXXX. THEN WHEN I MADE A PAYMENT, IT WAS SENT THROUGH! XXXX MADE NATIONAL NEWS LAST YEAR!

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 2016-01-09
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Quicken Loans advised me to remove a disputed account out of dispute and into active collections as it was my only option. Within in that time frame 2 days prior to closing Quicken pulled another Hard Inquiry on my credit report without my authorization and it caused my score to drop XXXX points below their acceptable score. This caused our down payment to increase by 1.5 % roughly {$3000.00}. They refuse to honor our original terms and down payment, they also refuse to provide my credit report as I am showing a different score than what they are reporting. We may possibly lose our home or it will cause our locked rate to be extended causing our interest rate to go up costing us a lot more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : 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 2022-03-24
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX / XXXX / {$310.00}

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 explanation
Consumer complaint received 2020-03-15
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: Information belongs to someone else

Complaint:
Saw this morning on all 3 credit reports an account that dont belong to me. Never opened. Have no knowledge of. XXXX XXXX needs to be deleted off. This is fraud identity theft. I have a fraud alert on file on all 3 credit bureaus. Also have security freeze. No one called the number on my fraud alert. To try to get this loan. This loan was not open by me nor was open to anyone I know. I did not give Permission To anyone to act in my name or give my personal information to anyone. There is no inquiry from this company on my reports. Please block take off delete this 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MN
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:
The items listed below are reporting on my personal credit file and were found in my reports with Equifax and XXXX XXXX XXXX XXXX. I request that CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate information listed on my credit report, once their investigation is complete, find my allegation to be true, please remove these items as soon as possible : 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 XXXX XXXX XXXX XXXX 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 XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Servicing has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because Select Portfolio Servicing moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX Select Portfolio Servicing decided to review my case again for possible modification and requested updated documentation, which was sent on XX/XX/XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on XX/XX/XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took Select Portfolio Servicing 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification in XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
Select Portfolio Servicing has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Tenaglia & Hunt, PA
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a XXXX XXXX account after a rude customer service person denied a issue I had. He then closed my account as fraud. Then XXXX would not allow me to appeal the decision. They then cowards my account to Tenagala and hunt who said they are a law firm but XXXX says they are debt collector. I cant tell if they are really lawyer they will not clarify. I emailed them back in XXXX XXXXthey never return my call or inquiries. Now they are suing me. I have tried to settle it but the account is charged off on my credit. XXXX never showed proff my account was fraud. This lawyer or debt collect will not prove if they are really a lawyer or debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is follow up to my prior complaints ( XXXX and XXXX ). In my complaint XXXX I followed up on inappropriate delinquency reporting to credit bureaus for there specific months. Unfortunately, SPS is reporting inappropriately for additional months ... XXXX, XXXX, and XXXX XXXX. Let me be clear ... SPS should not be reporting any lates on either my first or second loan accounts with them ever. I want the three months referenced above and any others, corrected. I contacted XXXX at SPS ( as she was the one who sent the letter to me confirming correction of the credit reporting for XXXX XXXX, XXXX XXXX, and XXXX XXXX ) to address the additional months identified above ( XXXX - XXXX XXXX ) and left a message for her to return my call three weeks ago and have yet to hear from her, thus I am filing another complaint to resolve the matter. 

Regards, 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 2022-03-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a Mortgage with Select Portfolio Servicing for {$160000.00}. On XXXX XX/XX/2022 I paid {$80000.00}. to my Principal. 

Because my monthly payment didn't change, I asked for a new payment schedule, but the lender answered with a letter telling them that they can't provide MY payment schedule, because it is a privilege information? I am enclosing the letter bellow. 

Also I called and asked for the mortgage recasting, and they said I don't qualify, when I asked the reason, the operator says she can't tell my reason, just the system doesn't allow her to do it, and when I asked to provide that answer in writing she answered they can't provide it. 

I would like to add that I never had missing a single payment in my whole life, and that I have an excellent credit score. 

Honestly I feel they are stealing from me and I believe something is not right in this whole situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2017-03-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX SPS - Home Retention started prior to having home on market from XX/XX/XXXX unable to sell ( 96 days ) as of XX/XX/XXXX Present XX/XX/XXXX have been given the RUN AROUND NOW DUAL TRACKING AS TODAY XX/XX/XXXX WAS TOLD OUR HOME IS GIONG TO FORCLOSE XX/XX/XXXX BUT HAVE LOAN MODIFICATION/HOME RETENTION APPLICATION SINCE XX/XX/XXXX PLEASE ADVISE MY HUSBAND AND I HAVE FAXED OVER 20 TIMES ANY AND ALL DOCUMENTS THEY KEEP SAYING 30 DAYS TO REVIEW SINCE XX/XX/XXXX WE WANT TO KEEP OUR HOME OF 20 YEARS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
upon checking my credit score came across inquires that I didn't reconized and did not authorize.tried to contact company. no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MS
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation