BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roughly three years ago, I purchased a new home at XXXX XXXX XXXX, XXXX VA, XXXX. From the point of closing I said up an escrow account to be sure that all my taxes and insurance were being paid in a timely manner. However, from the point the mortgage began, the company who is servicing my account " Select Portfolio Servicing ( SPS ) '' has been delinquent in paying my taxes every single time. Every month I receive threatening tax collection notices from XXXX county and the tax collecting company that they use. I then have to spend hours of my time every month tracking down SPS to make sure they are paying the county, and then following up with the county only to find out that despite promises SPS did not make payment. The pattern repeats itself every six months when my taxes are due. SPS does not make payment, the notices come in, I have to rack everyone down, SPS still drags their feet, and eventually they pay, after incurring massive interest and penalties. One one occasion I even noticed that SPS was making me pay for the late fees. After I pointed this out, they reluctantly paid me back, but did not compensate me with interest, which is ironic considering how much interest they charge me for borrowing money from them. I am a pretty sophisticated consumer, but even I am uncertain if they are still charging me for the late penalty.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My guest trailer/camper burned down XXXX 2014. Insurance paid out XXXX dollars. I have spent about {$60000.00} in clearing, demolition, and rebuilding to date. SPS my mortgage lender has paid out {$29000.00}. 
Now the County has tagged my property for various violations and the DA is threatening Jail time if violations are not fixed in a timely manner. I have reported this to SPS and filed all paper work for proper reimbursement. How ever SPS has been stalling for the last two months and I could end up in jail. 
Please help

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: EQUIFAX, INC.
State: NJ
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 have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So I sent the letters certified. The same letters just certified. 

My reason for contacting them was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint is about Capital One 360. 
On XX/XX/2022, I noticed two unauthorized transactions on my account. These transactions were XXXX transfers to a certain XXXX XXXX amounting to {$130.00} + {$300.00} = {$430.00}. 
I immediately called and alerted the bank, which took note and promised to reinstate a temporary credit to my account. 

Meanwhile, on XX/XX/2022, the bank credited my account with {$430.00} but denied me access to the funds. Several calls I made with them couldn't give me access to my money. 
At some point, I was told that I should expect a check in the disputed amount and any other balance in my account and that Capital One 360 had resolved to close my account and discontinue doing business with me in the future. I won't be allowed to bank with them going forward. 

On XX/XX/2022, the credited amount of {$430.00} was reversed by Capital One 360 and deducted from my account. 


Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account appeared on my credit file and it does not belong to me

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: Bread Financial Holdings, Inc.
State: OR
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:
In XXXX Comenity bank closed an existing account I had with them after I applied for another with them. The first being a XXXX credit card and the second being a Sony card. They did so did to my number of inquirie sI suspect, but it is unknown at this point as they gave me numerous invalid reasons for closing the XXXX card and denying the Sony card. Now my report shows that I opened and closed 2 accounts with then when it was only one. They have refused to remove the second one and now my age of accounts is suffering adversely. Please help me resolve this horrible customer experience. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
there are inquiries on my account and i have spoken to the bureaus and still nothing happens

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 2022-03-24
Company: Mobiloans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for an emergency loan thru mobiloans.com on XX/XX/2021. The loan is in the amount of XXXX. I have made 4 payments totaling XXXX and they are still reflecting my balance still due of {$2000.00}. They are charging me an ( APR ) : 469.44 % making it so this loan will never be paid off. They are taking XXXX every payday on the XXXX and XXXX each month totaling XXXX per month. 
This is causing my family extreme hardship and the fine print was not clearly explained to me, however by anyone 's terms we can see that this is predatory lending and irresponsible practices

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Sirs : I am in receipt of a mendacious notice from Select Portfolio Servicing, alleging that it is the SERVICER of the mortgage covering my residence and that ( falsely ) I have violated the requirement that " hazard ) ie Homeowners insurance be maintained. Since on XX/XX/2017 I changed carriers I would have ordinarily politely provided a Declaration page from the new policy. However knowing the historically abusive and illegal conduct of that company and that is conducting business under a Consent Degree I read more carefully. 
As XXXX and other major financial entities have done repeatedly to hundreds of thousands of unwitting consumers, the letter threatened to " forceplace '' such insurance at hugely inflated premiums However, Here is the punchline : Select Portfolio demanded that I concur in a loss payment endorsement naming it.althoughit hase no right to do sounder the terms of the applicable documents In fact, Select Portfolio has insisted several times in writing ( I never converse ) that the owner and holder of the said mortgage is XXXX I have thus provided in the endorsement. 
It is evident that Select Portfolio was engaged iun an attempted Larceny by False Pretenses and other tortious conduct. Having never observed the mechanism of the CFPB in such a bald illegality, Ihave determined to submit this complaint to your good offices I have no impediment in providing data and documents at your request 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 2016-11-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have spent months providing Select Portfolio Servicing with requested documentation pertaining to my deed of lieu we agreed upon. Today I have received a letter stating that my loan is to be restarted. They are requesting information I have already provided to them. Instead given me the answer to their decision regarding my deed of lieu. The process abruptly restarted all while I am communicating with them asking for more time to contact my daughter to get the new unexpected documentation. In the intervening period of time, I send the new requested documents on my behalf. This whole conversation has been recorded my both SPS and myself. 

XXXX XXXX, 2016, I received the first Mortgage Statement in a year, shortly I received another letter dated XXXX XXXX, 2016, stating " the mortgage servicer on the above- referenced account, received your inquiry regarding a possible mortgage workout plan. '' The whole statement above is a lie. I allowed Select Portfolio Servicing each time they requested to record our conversation so that I could put on my speaker phone on to record them as well. I have recorded our communication for the last year. I have dates, times, what was said according to our stated agreements XXXX XXXX, 2016, at XXXX I requested the status of my deed of lieu, I was told that my request was still being investigated for a ruling. 

Below are the dates and time I recorded my deed of lieu conversation recently with Select Portfolio Servicing. 
XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( 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 2016-06-27
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my homeowner 's insurance has been lowered to {$1100.00} for the next 12 months and nationstar needs to reflect these New changes in my escrow and monthly mortgage payments ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Freedom Mortgage Company
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a complaint with CFPB in XXXX of XXXX regarding my mortgage company, Freedom Mortgage, incorrectly submitting paperwork to the Veterans Affairs for a VA Partial Claim due to a forbearance. I had been attempting to resolve the mortgage forbearance for over a year, and reluctantly agreed to the VA Partial claim in XXXX XXXX of XXXX, and signed the Partial Claim agreement in XXXX of XXXX. I heard no more about it, and then in XXXX of XXXX I was informed by the Veterans Affairs that they denied the VA Partial Claim due to it being filed incorrectly by Freedom Mortgage, and that it could take as much as six months or more to resolve. At that point I requested for the Partial Claim to be stopped, as I wanted to pay the full amount of any deferred money owed directly to Freedom Mortgage so that I could move forward financially from this issue. After many attempts, messages and phone calls with the representatives from Freedom Mortgage, and the assistance from the Veterans Affairs, I finally filed my complaint with CFPB, and the issue was resolved, or so I thought. Freedom Mortgage finally accepted the deferred money owed on my mortgage directly from me, and my account was shown in good standing, as I requested, and as was agreed upon by Freedom Mortgage. I was no longer in a forbearance, and all financial obligations were paid and current. I have had no late or missed payments dating back to XXXX of XXXX when I was still in the forbearance plan. 
Now, as of XX/XX/XXXX when Freedom Mortgage reported my mortgage as having three missed payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing my account in default, and dropping my credit score over 80 points. I thought this was just an oversight, but after speaking with Freedom Mortgage representatives, it is clear it was intentional. I have called requesting to speak with a supervisor, never reaching one, and being told I would receive a call from one, ( to this date still no call from anyone ), and I have sent messages via the company website, with no response. My mortgage payments were made, received on time, and in the full amounts for all of the months they are reporting as missed payments. I am requesting these missed payments, and any other derogatory marks or issues be removed from all three credit buraus. On XX/XX/XXXX Freedom Mortgage did update my credit account status, stating my account is now current, but the missed payments are still showing on the account, and the impact on my credit score and credit rating is extremely detrimental Please remove this derogatory information from my accounts, and show my account in good standing with no missed payments, as previously agreed.

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: NY
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 have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So I sent the letters certified. The same letters just certified. 

My reason for contacting them was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB

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 2022-07-19
Company: EQUIFAX, INC.
State: OH
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 have been disputing a bankruptcy # XXXX on my Equifax CREDIT REPORT CASE # XXXX for the last 2 years every month, Equifax claimed to have verified this bankruptcy on XX/XX/2022 by XXXX and claimed this bankruptcy was reported by XXXX on XX/XX/2022, how is this possible, XXXX informed me that I do not have any bankruptcies on my PUBLIC FILE, XXXX also informed me that Equifax has not contacted the XXXX company about a bankruptcy on my public record file, so where did Equifax get this information of a bankruptcy that Equifax is shown on my credit report, they also didnt get it from the clerk of courts, Equifax has been caught in a lie about a investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did n't receive any information from this company yet it 's showing on my credit report. This is from 2010! I never received anything from them or from XXXX XXXX. I have found out that they should n't be contacting me because they never billed my insurance in 2010!!! The insurance company said they need to right it off since they never sumitted it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: MI
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:
To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide

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 2022-07-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX I attempted to make my credit card payment online using the same information I have used before and I got an error payment not processed. Checked all info is the same complete and accurate. Asked me to call a number. I tried again today XX/XX/19 got the same message then I called the number listed. Then used the automated system to make payment but again I got a recording that payment can not be processed. When asking to speak to someone recording says they will charge me XXXX dollars to make a payment with a representative, which sounds abusive because I have been trying through the free options and its impossible. It is unfair to pay fees when I have been trying to pay and system is not working. Makes me feel they are trying for clients to get charged fees. Anyways even when I tried to talk to someone kept me waiting for XXXX for a live rep no response yet. Its been impossible to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19
Company: United Shore Financial Services, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow statement that showed my payment was going up XXXX per a month. I initiated my contact on XX/XX/XXXX with UWM and asked if my escrow shortage could be spread over 60 months to lower my payment My payment went up over XXXX percent, therefore, I am aware that the lender CAN spread the shortage up to 60 months, not 12 months as they did. 
The representative stated she would do so and in 3 business days I should have an answer along with an email that I was expecting Today is XX/XX/XXXX, I never received anything from the lender, so I call back again and speak with XXXX She told me that she sees this request, but the representative did NOTHING with my request besides notate my account Apparently this needs to be sent to the investor for approval I dont really believe this is true, I am now being told at least another 5 business days Nobody cares at customer services

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I co-signed XXXX loans through XXXX XXXX ( now Navient ) for my son, who is still in college. All XXXX loans are in deferral I was told I needed to pay interest on XXXX loan, which I have done. Two weeks ago, after numerous calls from Navient, I was told I was four months behind in payments and that I was responsible for paying on XXXX of the loans. I have made arrangements to take care of this. When I asked about credit reporting I was told if it is a problem, to write a letter and explain that I had been told to pay on XXXX loan and they would see what they could do. I have found Navient to be an entity that gives a different answer in each conversation, not correct what they say they will the first time and harass with incessant phone calls during work hour until XXXX XXXX everyday, including Sundays.Now I am concerned about my credit score because of their inefficiency. They have also harassed my son in the same way. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and must continuously monitor my credit as there continues to be fraudulent accounts on my credit file. The fraudulent items are 2 XXXXXXXX accounts, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXXt and 2 XXXX XXXX accounts. These accounts were not authorized by me and are fraudulent.

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