BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX we were approved for a program called Keep Your Home California ( KYHCA ) for Unemployment Mortgage Assistance. Since I was unemployed I wan not able to pay my credit card bills and subsequently filed for Chapter XXXX bankruptcy protection. My bankruptcy was discharged on XXXX XXXX, XXXX. On XXXX XXXX XXXX my mortgage servicer ( Select Portfolio Servicing ) incorrectly informed Keep Your Home California that I was in an " Active '' bankruptcy when in fact I was not. My bankruptcy was discharged on XXXX XXXX, XXXX. Now that my bankruptcy stay has been lifted ( after the discharge ), Select Portfolio Servicing ( SPS ) said that they will no longer accept payments from KYHCA even though I still qualify for the program based on my unemployment & the fact that my bankruptcy was discharged on XXXX/XXXX/XXXX. I called their Ombudsman department & spoke with XXXX XXXX & XXXX XXXX and they confirmed not receiving the Federal Bankruptcy Court letter of Discharge in a " timely '' matter ( even though they are listed as a creditor on the Bankruptcy Court documents ). According to the SPS Ombudsman department, this is why they are planning to return the last payment made by KYHCA made on XXXX XXXX, XXXX and will cause us to go into default with their account. Both Select Portfolio Servicing XXXX KYHCA are aware that I am still unemployed & can not afford my mortgage payment. KYHCA has stated that they are willing to make payments on my mortgage but that it is up to SPS to accept these payments. 

I feel that SPS is taking this action after my bankruptcy discharge because they know that I am no longer under the bankruptcy court mandated stay. They have appraised our home above what we owe SPS and feel no risk in forcing my family into foreclosure even though they admit that they would be able to accept payments from KYHCA after the bankruptcy discharge ( if they would correct/update their records ). 

They admit taking the following action after the bankruptcy discharge date of XXXX XXXX, XXXX : 1 ) Knowing that we are no longer under a bankruptcy court mandated stay 2 ) Returning the last mortgage payment made by KYHCA on XXXX/XXXX/XXXX causing us to go into default. 3 ) Sending a letter to KYHCA on XXXX XXXX, XXXX stating that they would no longer accept their mortgage payments on our behalf. 4 ) Having an appraised value of our home greater than the amount owed to SPS. 5 ) Confirming that a payment would normally be accepted by KYHCA after a bankruptcy discharge. 

Any help would be appreciated. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Sold my home via short sale on XXXX/XXXX/15. Mortgage servicer received and acknowledged payment on same date. Mortgage servicer did not post payment and show account as paid in full until XXXX XXXX, 2015. This action causes undue and unnecessary tax consequences to me. XXXX was sent and acknowledged and the request to correct was denied ( see attachment ) Mortgage company 's request for HAFA and HUD-1 was unnecessarily duplicative and presented only to delay the closure of the loan. Please correct the day of the paid in full date to reflect XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XX/XX/2017, I found an account start reporting on my credit report in the AR Resources Inc office. I faxed a letter requesting more information about account but 11 days I wake up to XXXX more accounts added on my credit report. I have no knowledge of these accounts and never received a dunning letter referencing any of the accounts. Here 's XXXX of XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother, XXXX XXXX XXXX passed on XXXX XXXX, XXXX. I am the Successor Trustee Of The Estate, The XXXX XXXX XXXX Living Trust. SPS acknowldege me, and approved me for a Trial Modification Home Retention option, in which correspondence I uploaded dated XXXX XXXX, XXXX, and I complied with the Trial Payments. On XXXX XXXX, XXXX I received the permanent loan modification documents, in which I signed the agreement and sent back to SPS on a timely manner, uploaded the Permanent modification documents. XXXX XXXX, XXXX after I complied with the trial period payment, after I signed and sent back the agreement SPS sent me I received correspondence from SPS informing me They were NOT going to go through the Home Affordable Modification, which agreement I accepted, signed, and sent back, because they are unable to verify my identity. Mind you, I complied with everything that was asked of my, documents, payments, and they breached the agreement we reached. On XXXX XXXX, XXXX I received correspondence from SPS returning my first permanent modified payment to me. I am at loss for words with all that has happened and continues to happen. I am now facing foreclosure because SPS decided to renege on the agreement reached in which to I signed acceptance to, and payments were cashed. Please help me avoid foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SPS 1st TD : XXXX XXXX TD : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX A short sale was started XXXX/XXXX/17 with SPS. In calling for updates we reached XXXX. She stated that the investor will not allow a short sale and the only option for the homeowners to avoid foreclosure is a deed in lieu. We informed them that deed-in-lieus do not work when there is a 2nd TD on the property. XXXX insisted that the second will participate in a deed in lieu and has refused to tell us the name of the investor. 


SPS is lying to us. SPS is refusing to tell us the name of the investor. SPS is only a servicer and they are defrauding their investor and the borrower by insisting that a deed-in-lieu is even a possibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
There was a glitch in the system. These inquires were added back to my 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 2023-07-07
Company: EQUIFAX, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: 21ST MORTGAGE CORP.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I purchased a manufactured home from XXXX XXXX XXXX/XXXX/14. it was a XXXX bedroom home that we origanly agreed to pay {$8000.00} down but XXXX XXXX asked us for an additional {$4000.00} down saying that we had to have a brick foundation in the area that we purchased the land do to the location building codes. With {$12000.00} down on a XXXX home we should have borro orrowed {$66000.00} with 26 year repayment of {$450.00} monthly. before the home was completed 21st Mortgage asked for a {$830.00} payment immediately before we completed any paperwork or received the first mortgage payment book. When I received the first payment book 60 days later it had a 10 % interest rate with borrowed amount of XXXX and monthly payment of more than {$82000.00} a month. When I spoke to XXXX and the mortgage company they indicated that the amount would be corrected and that never happended. Instead the threatening phone calls demanding the full amount of : {$820.00}. We also never received the accurate settle amount it sad we borroewed over XXXX on our credit report and when I called 21st mortgage again I got no correct answer. I estimated that paying 26 years at {$720.00} a month and being modist that the XXXX should include our property tax that 21st Mortgage has not paid to date, we would have paid {$220000.00} on a {$60000.00} loan. I have had to file with the bankrupty court not able to alleviate the issue and get true justice. XXXX also clearly allowed 21st Mortgage to rip us off and cause us finantual heart ache as well. I have enclosed some of the cdret approval letters that they kept sending in both my name and then my husbands while they changed the amount we should have been borrowing in a matter of days. We received over XXXX offer letters from 21st mortgage with XXXX different loan amounts up until the home was delivered with out notice to our land. Can someone please help me I ca n't even get a honest answer as to how much is owed on my loan toady minus the three year paymnt that has been made to 21st mortgage for the poast three years or the location of our property tax payments. I am enclosing documents that I have found so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up for a membership at XXXX and closed my membership in XXXX 2015 & gt ; I went in person to the gym in XX/XX/XXXX to submit written notice of cancellation and to pay off any remaining balance I owed. I paid with a credit card that day in person, and have a receipt showing that payment. I also have a paper they gave me that day which states that my membership was cancelled. Several months later, XXXX 's XXXX has now changed named to " XXXX XXXX '' and is attempting to collect {$43.00} from me, claiming that I did not pay final payment. I have notified the debt collector and provided receipts as evidence of my final payment -- I also included names of the individuals at XXXX XXXX who closed my membership and accepted final payment. I sent letters to the credit collection agency, XXXX 's and my letter to XXXX 's was returned to sender. They are avoiding me and I suspect fraud. This will ruin my credit! 

I would like to file a complaint for membership cancellation fraud and fraudulent billing practices. I gave them a final payment already in XXXX 2015 and was told I owed nothing further. yet, they continue to pursue me. I have read online that this is a standard scam of XXXX 's XXXX across the country!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: MID-ISLAND MORTGAGE CORP.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mid Island Mortgage mistakenly submitted my loan for a short sale. This was not initiated by me and did not have my approval/consent. In this process they ran my credit and, to add insult to injury, charged me for the credit report. The only reason I found out about this was because I received a letter stating they needed more detailed information for my loss mitigation application, which I never submitted. In addition, I received a call from an appraiser requesting to make an appointment to come look at the property. When I called Mid Island to inquire about the situation, I was told if the letter did n't apply to me, then to disregard it. I was told this several times as I demanded more information about how this mistake happened. I finally was transferred to the loss mitigation department and had someone verify that they attached someone else 's short sale application to my loan. I was not informed that a credit report had been pulled until the charge appeared on my monthly statement. I take my credit very seriously and am taking steps to build my credit score. I understand that when a credit report is pulled, my credit score takes a hit. This is irrevocable damage and can only be cured with time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection company called CBA sent me to collection without the notice to dispute the validity of the debt. This is a medical bill from a XXXX that was supposed to be paid by XXXX. This was back in 2011, account # XXXX maybe they were sending the bills to my former address, I have been in a very difficult financial situation, I am on XXXX. I saw this collection in my credit record. My original amount was {$630.00}, I called them today to make a payment arrangement but a lady told me that I owe them {$870.00}, that is {$240.00} more than the original amount FOR A MEDICAL BILL, THE AMOUNT IT 'S GOING UP EVERY MONTHI do not know if this is legal because I have not seen that before. I suggest that this Bureau audits this collection agency without notice and find out if they are violating the law. I can make a payment for the original amount but they have to delete this collection from my credit record since I did not had the chance to dispute the debt, I was thinking that this procedure was paid by my Insurance, if I knew about this bill and my insurance did not wanted to pay, I could appeal at that time their decision and have them pay the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a call to my cell phone, a number I have had for XXXX+ years. The company looking to collect debt, ( XXXX XXXX @ XXXX ext XXXX ) wanted information about someone named " XXXX '' at my number. This seemed nothing but a phishing scam ... am I wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My apartment rental company accidentally pulled my Equifax report multiple times. They acknowledged the error. It was very difficult to get it fixed, but ultimately the inquires were removed from the report. I noticed a few months later they were re-inserted. I filed a dispute and all I am getting from Equifax is them saying the inquiries are valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17
Company: JH Portfolio Debt Equities, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been in contact with company for over a year now regarding the debt they are trying to collect. I did not make the purchase they are stating I made so I am asking for some sort of itemized bill in which they have not given me. I have been asking every month when they send the collection notice and we are going in circles. I have received the exact same statement showing a balance. This issue is negatively impacting my credit and as you can see I have never paid a single bill late and this is reflecting poorly on me. Every time I speak to someone they are dismissive and just yes me and nothing gets done about my issue. As well the debt was first being collected by XXXX Bank then was transferred to JH Portfolio Debt Equities.

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 2015-09-29
Company: Eagle Home Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The Builder and I agreed to the purchase price of {$420000.00} and the builder offered to give a XXXX % incentive and Title fees ( Approx. {$12000.00} ) towards the closing cost and title fees provided, I finance through their in-house lender, Universal American Mortgage Company. 

The Good faith estimate showed the {$12000.00} credit but the interest rate charged was 4.25 %, whereas based on my credit score of XXXX, I am eligible for interest rate of 3.75 %. The lender structured the loan by rolling the closing cost and title fee and increasing the interest rate by 0.50 %. ( Which is exactly equivalent to 3 % premium amount of the loan ). The lender is trying to recoup the incentive amount by increasing the interest rate. When I brought this up with the builder, he was not ready to listen to my argument and referred back to the contract. He also refused to return the earnest money of {$4000.00} if I wish to cancel the contract. 

The Earnest money of {$4000.00} was paid on XXXX/XXXX/2015 to the builder towards the property located at XXXX XXXX XXXX XXXX, XXXX TX XXXX and the purchase contract was executed on XXXX/XXXX/2015. On XXXX/XXXX/2015 I received 'cash to close summary ' from lender for which I did not agree and objected on the same day. Since then I 've been talking with builder 's representative XXXX XXXX and Lenders representative XXXX XXXX expressing my concerns and repeatedly asking to have my concerns escalated to their management and to explain my rights of cancellation options. They never escalated anything to their management nor explained to me, either verbally or in writing my right to cancel the contract. 

Finally, on XXXX/XXXX/2015 XXXX ( VP Sales ) contacted me at XXXX XXXX, I explained to him the whole situation and told him that even if I was to go with any other lender and ask them to structure my loan in a way that I do not have to come up with any closing cost out of my pocket, they would offer me the same loan that Universal is offering me, in other words I am not seeing any credit that XXXX is promising me to pay. I also stated that if they can send me an email stating that the " Entire incentive amount offered by XXXX is being applied towards my closing cost and ; none of my funds whether in the form of cash or premium are being utilized on life of the loan? '' to this he responded by saying, that 'he is not obligated to do that since i have already signed the contract with them ', further he threatened me that I am in breach of the contract. XXXX 's representative wasted time escalating to their management and now they are trying to hold me responsible. I was under the impression that once I get hold of any senior management person that person would listen to my concerns and help me, or at the least be courteous, however I was wrong ; instead Will was very rude on phone and threatened me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Accurate Background
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Had issue with Accurate Background and submitted a complaint to CFPB case # XXXX for which I received a response. They circumvented the CFPB and failed to maintain them in the loop. They are asking for clarification of the disputed information which was quite clear in my letter and they are also want further clarification to my consumer statement I want added. They provided an updated report but it fails to contain my consumer statement even though they state they placed it and forwarded to there clients. I have mailed my XX/XX/2017 letter to Accurate Background via regular mail but feel I would get a timely response if I had the assistance of the CFPB to encourage a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I paid my cable bill with XXXX and they still reported ad 3 months late on my credit report and sent my bill to collections because they said I owed them equipment which I already gave back to them and paid my bill on time however I do not have the bill that XXXX paid but I know I gave them the equipment back and paid my bill. They put on my credit a collection and kept harassing me even though paid my bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a XXXX XXXX account, a XXXX XXXX inquiry, and an address on my reports that do not belong to me. I never opened this account or used it. I disputed this with the 3 credit bureaus on XX/XX/XXXX but to no luck. Equifax told me they couldn't locate my file and to send a copy of my ID and Social Security card. I already sent them both items as well as my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. Equifax is just making excuses to avoid doing their job. I never even received a response from XXXX  or XXXX  so they are clearly avoiding their duties as well.

Company response to consumer: Closed with explanation