BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In case # XXXX, SPS does n't address anything that I submitted ; they just repeated that they thought that my transaction is not a rescindable transaction, and sent copies of everything that everybody already have copies of. 
They do not address my taking issue with them calling the XXXX mortgage payoff a " protective advance '' instead of a consolidation payoff because there was nothing to protect ... I was not in danger of foreclosure by XXXX XXXX, so there was nothing to protect. If what they say was valid, everybody anywhere who has a XXXX mortgage is in danger of their XXXX mortgage being paid odd just because the XXXX mortgage holder wants to, and then calls it a " protective advance ''. 
SPS did not address anything ' as I stated, they just provided copies of correspondence that I already have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Avant Holding Company, 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: Account information incorrect

Complaint:
I have a few credit cards on my account that tried to work with the consumers by paying some that were mine and trying to resolve what wasnt mine a fair resolution would be to remove from credit its old its a back and fourth situation and it has to have an end XXXX XXXX XXXX {$740.00} / XXXX XXXX XXXX is attached to them also first progress $ XXXX avant- credit card $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  for $ XXXX XXXX {$570.00} just a bunch of cards just used under my name I need serious help in getting some of this deleted and me calling them and paying for now 7 credit repair companies Im tired and this is my last place to look for help thanks to whom this may concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: BB&T CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have been working with XXXX for over 3 years. My auto loan is at a rateof 24 percent. The phone calls are relentless beginning at XXXX daily. I am trying my best withthese people but nnothing is good enough. I am exhausted due to their overwhelming phone calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In the beginning of this year, I refinanced my house the mortgage agentdid the loan with XXXX XXXX. XXXX XXXX sold the loan toNationstar Mortgage. I received a letter telling me to send my payment toan address and a detachment portion. I am to send the detachment portionwith my payment. Which is what I did, however, I do n't know what theaddress was that I sent the payment to. But I sent them the payment onXX/XX/2015. For the next few weeks my check was n't cleared. I'mthinking the check was lost. In about the middle to the end of the month, I received a statement from Nationstar Mortgage informing me I owe themfor two months. No problem, I put a stop payment upon the check onXX/XX/2015. Then I paid them {$2300.00}, which paid them for XXXX paymentsof {$1100.00}, and provided {$32.00} left over to put upon my principal. Theyreceived that payment on XXXX/XXXX/15. Later XX/XX/XXXX, I receivedanother statement dated XXXX/XXXX/15, this statement informed me that the nextstatement was due on XXXX XXXX 2015, NOTE XXXX XXXX, 2015, NOT XX/XX/XXXX BUTXX/XX/2015. What am I supposed to think? I 'm thinking there is no Aprilpayment, I thought that until XXXX XXXX, 2015, when I received a call fromNationstar about where is my XX/XX/XXXX payment. I then sent them twopayments covering XX/XX/XXXX and XX/XX/XXXX. As per their policy, I sent them a copyof the confusing XX/XX/XXXX statement with the XX/XX/XXXX due date. I informed themthat it was their fault not mine and I expect NO PENALTIES. 
Guess what? I did receive penalties over {$100.00} in late fees, I have triedcustomer service if you can call it that. I received long wait only to be hungup on, the waits were about fifteen minutes to get someone, then I wouldbe transferred to someone else, with no one picking up. My desireresolution would be to at the minimum get rid of the penalties and XXXX, have Nationstar sell my paper to another company like XXXX, XXXX XXXX XXXX, XXXX XXXX, they would be fine. I really do n't want to deal withNationstar anymoreNationstar informing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
2021 i settled the credit card payment with credit report, but credit report have not deleted the report our 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 non-monetary relief
Consumer complaint received 2016-09-03
Company: BB&T CORPORATION
State: WV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX/XXXX/2016 Credit COUNTER DEPOSIT View {$760.00} XXXX/XXXX/2016 Debit OVERDRAFT FEE BB & T ONLINE BILLONLINE PMT XXXX BB & T CHECK CARD XXXX *XXXX. 
BB & T CHECK CARD PURCXX/XX/2016 XXXX XXXX {$100.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BB & T CHECK CARD PURCHASE-PIN {$230.00} XXXX/XXXX/2016 POS XXXX XXXX. XXXX XXXX MN XXXX BB & T CHECK CARD RECURRING PYMT {$41.00} XXXX/XXXX/2016 Debit ONLINE PMT XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$170.00} XXXX/XXXX/2016 Credit COUNTER DEPOSIT View {$270.00} ''BB & T BANK '' ... ... charged me for payments that I had scheduled to be taken out on XX/XX/2016 .... ( I.E., XXXX XXXX ... .for : {$170.00} ) ... .took this out on XXXX XXXX, 2016. I called ONLINE BILL PAY ... XXXX @ XXXX ... ..they put on hold, & did nothing to resolve this even thou my Veteran 's Check, of over {$XXXX}, ( that was already at my Bank ), as they HOLD IT TIL XXXX ... ..THE MORNING OF XX/XX/XXXX. PROCESSING THE ABOVE ITEMS EARLY, THUS CHARGING ME XXXX-EACH TIMES LATE FEES OF $ XXXX-DOLLARS! 

Then when I schedule something Monthly ... .. ( if any month has 31-days in it ), they move my payment BACK ... ... .BEFORE XX/XX/XXXX ... ..KNOWING THAT I PAY EVERYTHING OUT VIA MY BILL PAY ONLINE, ... ... .THAT SHOULD BE PAID ON THE XXXX or XXXX of each Month ... ..STOP MOVING MY PAYMENTS BACK, SO ''BB & T BANK '', CAN LET ME GO INTO THE RED, THUS CHARGING ME OR CHEATING ME OUT OF MY HARD EARNED MONEY ). 

**HERE IS THE SAME PAYMENT I SCHEDULED A MONTH EARLIER ( BELOW ), THAT WHEN I SCHEDULED THIS PAYMENT, WAS TAKEN OUT OR SENT OUT A CHECK, AND PROCESSED SEVERAL DAYS LATER, ONCE MY VA CHECK HAD ARRIVED TO COVER ALL BILL PAYS ON THE XXXX of each Month. 
XXXX/XXXX/2016 Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$170.00}

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 2016-07-18
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to nation star mortgage lending from XXXX XXXX. Nation star has regularly stated that my escrows and payments were off so I paid thousands of dollars and my mortgage has increased from {$600.00} to now {$860.00} and I am on a fixed rate with FHA and continuously and paying money to nation star. I have talked to numerous people and nation star and keep getting the runaround even though they know it is messed up they still say I owe money and and am in fear of losing my home due to their shoddy financing practices

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: BB&T CORPORATION
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I asked my lender B B & T how to eliminate my monthly PMI payments and I followed all of there instructions and after getting the runaround for over 3 months they keep changing there guidelines, now they said I had to contact XXXX XXXX which I did and they said I qualified for the reduction and I had to go thru my lender and now B B & T has come up with something totally different

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My issue concerns my credit score ... XXXX it list me as a ( very Poor ) credit risk.. Primarily basing the conclusions on credit inquiries.. & credit card usage ... XXXX I 'm am a debtor, who works very diligently to pay my bills & pay them on time ... # 2 I do not use 'Credit cards to pay credit card or other monthly Bills that are Due ' Indeed I pay my bills with the cash that I earn, from the sweat of my brow. I use my credit cards for goods & services which is what they are designed for. # 3 'I never ever pay minimum amts Due on credit cards ' instead, I use them more as, an easy way to pay for goods & services.. But in this modern day world of Internet sales & the like. I somewhat insulated against scams & the like..Mosty Importantly ..I am extended credit ..because of my payment creditworthiness & no matter how much of my credit I use I should not be penalized unless I 'm in default ( Computer models & probability charts should not Count ) ... My goal is to repay the debt.. & that 's what I have done.. 100 % & my credit score & Rating from the Bureau should lean most heavily on this simple fact ..when issuing My Credit Score '

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had past due child support put on my credit file in 1996 in the amount of {$60000.00}. That amount has grown to {$130000.00}. I have not made payments on it. The Illinois Dept. of Healthcar contines to move the activity date forward ( and has for 20 years ) to the present month to assure that this never falls off my credit file. 

The Fair Credit Reporting Act provides that an item must drop from the file 7 years from the first date of delinquency preceding the charge off ... that means this item is 14 years past its obsolescence date and clearly out of compliance with federal law. 

I disputed this and Experian left it on my file.

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 2017-02-11
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was applying for a mortgage online spoke to loan officer, who discussed verbally the rates of interest, but never verbally discussed the points they were charging. He said it was compay policy, in this case Quicken loans. While I believe there was written disclosure, the lack of discussion tricked me into believing that there would be no points. By the time I saw the closing docs it was too late and I had to proceed.. 
When discussing a mortgage with a prospective client, I believe that it 's imperative that mortgage officers verbally discus rates as well as points, a {$1500.00} charge on a {$120000.00} mortgage that I did not want to pay. I felt it was sleazy and disengenuos for not mentioning this in our discussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My credit was destroyed by my mortgage company. I have tried to dispute the incorrect I formation online. It started XX/XX/XXXX. I started to fall behind due to divorce, and no help from ex spouse. I was 2 months behind XX/XX/XXXX, went to make the full payment and they sent it to the lawyers. I called their lawyers and they refused payment. They said I had now to do a modification. I told them I did n't need one. They said it was too late and there was nothing I could do. Then I fought with this company for over 6 months doing this modification. My point of contact by email would never respond. I would scan and send all the requested documents. Then weeks would go by with no replys. They would then say my information was outdated and make me do it again. I was served foreclosure papers in the meantime of this mess. Went to court twice, with all of my documents. I started forwardingredients their lawyer everything I sent them as proof I was doing it. This just dragged on. They finally completed their what I feel was a huge scam. I owed close to what the original loan amount was after 9 years of payments. My loan amount was {$82000.00} in XX/XX/XXXX, i owe {$77000.00} now XX/XX/XXXX..HOW?? They just " applied '' over {$1000.00} credit to the account from a review of this mess. Never with any calculations as to how this came about. PHH had a lawsuit against them filed in NJ that I called to join, but was n't returned. It was for the SAME issue. They were told to settle with clients they have done that to. Please help fix my credit. Thank you kindly! This company has not handled themselves in a law obeying manner. Looking back I should have done more to fight. But I was so consumed with the kids after the divorce, and myself an XXXX Veteran who has not faired well since I returned home in XX/XX/XXXX. Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Credit Acceptance Corporation funded and servicing a joint account that was produced at XXXX XXXX XXXX in the amount of XXXX after we left the dealership on XX/XX/2016. Credit Acceptance Corporation was notified of the incident and failed to investigate. Credit Acceptance Corporation stated due to pending litigation they will not respond ; and continue taking unauthorized payments from a XXXX XXXX in XXXX Maryland

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 2015-07-03
Company: Credit Central Holdings, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Collector came to my home honked horn for XXXX minutes with only my sick mother in law home. She finally came to the door and the lady asked if she was me. She said no she was n't. The lady demanded to know where I worked, what I drove, and when I 'll be home. She did n't tell the lady anything and asked the lady to leave the property. She refused and continued to raise her voice at my mother in law. She was asked to leave again and still refused. Mother in law said that she would call the cops if she did n't leave. Woman said that she would come back next time with officers to arrest me and threw a letter at my mother in law. Also note we do have no trespassing signs at several locations on property. 

Company also calls my phone several times a day and leaves voicemails that are threatening in manner demanding I call and resolve the matter before further action will be necessary. 

On another occasion she called my mother in laws phone ( never gave any number besides mine ) tell her to call her back and made it very known company and that she was trying to collect from me. My mother in law was a customer of company before bankruptcy. I assume that was how she obtained her phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Law Office of Joe Pezzuto, LLC
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am getting constantly harassed by a collection agency from the number XXXX, they have even contacted my ex wife who I have been divorced from 20 years ago. This has to stop! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Residential Credit Solutions, Inc.
State: AR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Residential Credit Solutions Inc who was recently put under Consent Order by the CFPB continues its abusive debt collection activities illegally foreclosing on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Filed ins claim and repairs were made out of my pocket. On XXXX final inspection completed but not updated until XX/XX/XXXX in lakeviews 's system. On XX/XX/XXXX I was promised a supervisor because of the delay, noone ever called me on XX/XX/XXXX I called again and promised a supervisor call, noone ever called me. My insurance check still has not been released. The claim website never gets updated. Today is the XXXX and still no supervisor call or check released They are holding on to my funds.

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 2016-04-20
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have 40 years of a perfect credit history. I have leased and financed cars for 25 years and I have never had such a horrible and dishonest experience as recently had with US bank. I obtained a 3 year auto lease from US bank in 2013. Upon turn in of the vehicle I was assessed a {$3500.00} excess wear and tear fee. The fee was assessed after some 'independent ' inspector mailed me XXXX grainy black and white photos of a vehicle. I am still not certain the photos were even the vehicle I turned in. XXXX of the major items was that the inspector noted that the tire tread was low. However, the tires were XXXX brand new XXXX with less than XXXX miles on them. The tires were a far more durable and long lasting version than the original tires that came with the vehicle. The 'inspector ' also noted the engine was in 'fair ' condition even though the vehicle was regularly serviced at the dealership and under the program they recommended. The car was 'babied ' and taken care of perfectly. All other inspection items noted were non existent and disputed.

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 2016-05-09
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have own a townhome which requires an XXXX fee each month. The XXXX XXXX XXXX XXXX ) includes my payment for my outside dwelling insurance. We have been paying {$1000.00} over our normal payment to the mortgage company ( US Bank Home Mortagage ) for the past 3 months due to them not sending proof of insurance. We have sent multiple requests via email, we 've called and been transfered only to ever get a voice mail. They did however give us the insurance companies name we contacted the issuing agent giving her all the specific information again. She sent the same wrong information again. Our mortgage company keeps telling us that we have do n't right documents on file, we ask the XXXX again to fax the documents..mortgage receives says it will take 10 day to update payment information..every time we call back and ask if it has been fixed they say they still need the same information and they sent the wrong paper work. We cant afford our payments and out credit scores have been massively effected, and they said it will be put back in escrow " IF '' it is refunded which means we will not receive it till the end of the 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 2016-03-09
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Sent XXXX paperwork in multiple times. When they finally acknowledged receiving the paperwork they started the process. Half way through they closed my file in error which started the foreclosure process. Rarely received responses to my calls/emails. Values began to go up, so decided to sell property and get rid of the stress. Took 7 weeks to get a payoff amount. Based the sale of the property on that amount. Property sold. A week later mod was approved adding XXXX and 10 years to balance. Proceeded with sale. 2 mos after original payoff amount was given and property was in escrow they increased the payoff by XXXX. The mod would have only hurt me more, and the increase in payoff ended up hurting me anyway. I walked away with nothing and now have a huge capital gain bill to pay which I would have paid with any proceeds I would have had. The mortgage was discharged in Chapter XXXX but the tax bill will not be. Job loss and medical issues created this situation. I thought selling and paying off the bank would be the right thing to do and would be better than a foreclosure. This bank knows how to play the game and the modification process and offer was really a joke being played on 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