BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On   XX/XX/XXXX , Bay  view Loan Servicing ha d us start making three trial modification payments. On   XX/XX/XXXX , we st arted making  three  trial modification payments and finished on   XX/XX/XXXX ,  we made our final modification payment. Starting   XX/XX/XXXX , I  checked the porch daily for a permanent modification package fr om Bayview Loan Servicing. Fr om   XX/XX/XXXX   until the beginning o f  XX/XX/XXXX , for over 200 days I have checked my front porch for a corrected conversi on permanent modification packet that has never come. At the beginnin g of  XX/XX/XXXX  after checking the porch for over 220 days almost a year for the conversion packag e the permanent modification package there was nothing there on the porch. I calle d Bayview Loan s ervicing the beginning of   XX/XX/XXXX  and a sked about the package as I had done multiple times before over the 220 day time frame and I was told by Bayview Representative that nothing had gone out. For over 220 days I did n't leave my home for any situation that required more than an over night stay even during my husband   XXXX   XXXX  ,  XXXX  and hospital stay I would leave the hospital to check my front porch for the conversion permanent modification package  Bayview Loan Servicing,  my asset manager  XXXX   XXXX  stated was coming on multiple occasions. In the beginning o f  XX/XX/XXXX , I  had a family emergency I had to leave my home to go out of state, the family emergency resulted in  XXXX  and the  XXXX  was this pass weekend ; however , Bayview Loan Servcing s tarted foreclosure on my home for missing payments they told me not to mak e. Bayview Loan Servicing is  dual tracking my home. Although  Bayview Loan Servicing  had told me to stop making payments in   XX/XX/XXXX , I made trial modifications payments from  XX/XX/XXXX  until  XX/XX/XXXX  for ten month s and never received the correct conversion permanent modification pack age Bayview Loan Servicing sta ted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now

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 2021-08-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted with SPS ( select portfolio servicing inc. ) for solutions for missing payments and they refused to give me loan deferment. They want me to apply for it and I already apply for it. Also meanwhile I am authorizing everything 3 months monthly payment, I am waiting for their reversed decision. However, I never receive any response. I am not sure if they refused to give me deferment Or other assistance, I believe will violate the law? Please help. My property address is XXXX XXXX XXXX XXXX NY XXXX. My email is : 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 2022-03-15
Company: ONLINE Information Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a cease and desist letter to Online Information Services, for a tradeline that they placed on my consumer report. This debt collector has failed to comply with the provisions of this subchapter 15 USC 1692. 
Please find the letter and information that was sent to them. This letter has been received by Online Information Services today, XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax Security Freeze Experience : I requested a Security Freeze from Equifax. Certified letter was mailed XX/XX/XXXX and delivered XX/XX/XXXX. ( USPS Certified Letter # XXXX XXXX XXXX XXXX XXXX ). Today ( XX/XX/XXXX ) I receive a letter from Equifax giving me an Extended Credit Fraud Alert, which is not the same as Security Freeze. The title of the page I sent them in large bold print was " Security Freeze Request to Equifax. '' I had been the victim of identity fraud for which I had filed a Police Report ( XXXX XXXXXXXX XXXX ) in XXXX County last year, which should allow me to receive free security freezes and free temporary security freeze lifts indefinitely. A copy of this Police Report as well as copies of my Driver 's License ( both sides ) and two utility bills were included in the envelope with the form requesting the Security Freeze. With this documentation and the specific titled page requesting Security Freeze there was no uncertainty that I wanted a Security Freeze and not an extended fraud alert. The form requesting the Security Freeze was completed by me and included my name, address, social security number, and birthdate. I also added to it that there was a copy of the police identity theft report, the number of that report, and my phone number. 

I called them today between XXXX and XXXX XXXX and I can not talk to a person until Monday. They should have 24/7 telephone support after their irresponsibility and negligence. And their arrogance in not honoring my Security Freeze request is unacceptable. This company should be fined billions of dollars and told they can no longer function in this segment of business. Diversify into something else or die as a company. 

I do not want to take the so-called free Security Freeze they offer on the phone because they imply after XX/XX/XXXX that state fees would then apply to the their free version of a security freeze. I do no want pay {$10.00} every time I suspend and every time I reinstate the security freeze. 

This company should not get away with their behavior in my case, nor avoid harsh financial and legally restrictive repercussions on the federal level.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I INCLUDE MY ADDRESS EVERY TIME I SUBMIT A COMPLAINT,. I AM REQUESTING THAT MY ADDRESS BE CORRECTED. I DO NOT AND NEVER HAVE LIVE ON XXXX XXXX. IN XXXX. THAT IS MY EX HUSBANDS ADDRESS PLEASE MAKE CORRECTION

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been looking thru my credit score and i have notice i have several different claims that am not aware or have ever open a cell phone with XXXX. and still they report that i owe them $ XXXX.iam trying to fix this so i can continue with my life and hopefully fix my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. It should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The Bank of America has responded but still the issues remain unresolved to my satisfaction. I want all the money I overpaid to reduce principal at their mistakes to me.It should repaid to my XXXX account at Bank of America so I can fund future normal payments.Not one dime has been refunded as of this date.They are burying me in statements but no money has been refunded.

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 2021-08-25
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I returned a financed vehicle to JP Morgan Chase in XXXX after coming out of Chapter XXXX due to discrepancies in the actual amount owed. I was issued a 1099-C in the amount of {$2900.00} in XXXX. The amount was claimed on my XXXX Federal tax return. In XX/XX/XXXX I was sent a Check Reissue Affidavit by JP Morgan Chase to claim funds that had been sent to me (? ) in the amount of {$940.00} per the correspondence. I followed the instructions on the correspondence reached out to J Morgan Chase on 3 separate occasions questioning the aforementioned situation. I was unable to get any direct answer and the funds were turned over to the state of PA. 

How do you get a 1099-C and a refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage Application was canceled. I started this process in XX/XX/XXXX and licked my interest rate in at 2.875. The canceled my application because they said they requested updated documents in XX/XX/XXXX that had to be uploaded by XX/XX/XXXX. I never received any emails or mail requesting documents. I uploaded them on XX/XX/XXXX because I had retained an attorney for a title issue and thought something was going to get done but this was not a request by BBT. I have requested proof because there is no way I would let that rate slip by since the new 15 year with BBT is 3.5 %. I had agreed to extend the rate lock until XX/XX/XXXX and have the document proving that. I was having trouble with the appraisal, I had that completed in XX/XX/XXXX and submitted a ROV on XX/XX/XXXX. They sent it to the appraiser one month later and they did not reply to his request. I have all the documents to prove this. This is an unfair and deceptive situation. It seems like the right hand does not know what the left hand is doing there. This could be tens of thousand in interest and this only benefits them since now I have to apply at a time when rates a severely increased.

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 2022-07-20
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: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-10-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company : Citizen 's Bank Date : XX/XX/XXXX Incident : Citizen 's Bank closed my checking account on XX/XX/XXXX of 2019. The closure of this account left me unable to pay my bills, and even resulted in XXXX of my personal loans going into collections. They did not give me a reason for the account closure other than a personal deposit agreement that was mailed to me. Citizen 's Bank claims that I signed this agreement, but has not provided any documentation of my signature to verify this information. 

According to the Citizen 's Bank Personal Deposit Account Agreement : " We may close an account at any time, without prior notice, such as where we, in our sole discretion, note any unusual or excessive patterns or activities including, without limitation, the use of the account in an illicit, exploitative, or abusive manner. '' I did not take part in unusual or excessive patterns of behavior. I did not use my account in an illicit, exploitative, or abusive manner. All of the representatives that knew me at Citizen 's Bank knew that I would regularly deposit cash and wire money to buy cryptocurrency, such as XXXX for personal investment. I used my account to do this from late 2018 until the closure of my account. Citizen 's Bank sent me a letter that my account was suspended during a period of when I was on vacation and unable to reply to them. 

Citizen 's Bank also claims that they made attempts to call me, but they have not shown any evidence that they tried to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: COOLEY ENTERPRISES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I agreed with the dealership to return the vehicle since it was a lemon. I had transmission issues with the car from the time I baught it. I was repeatedly told they would replace car but kept getting the run around. The cars transmission eventually gave out and I was advised the issue would be resolved which it wasnt. I eventually stopped following up. When I tried to purchase another car I found XXXX XXXX had placed it as a repo on my credit which management said they would not happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: ENCORE CAPITAL GROUP INC.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am currently in a  XXXX   XXXX   XXXX  with   XXXX   Assistance. I have repeatedly explained this to the creditor informing them that I do not have the ability of freedom to pay them as all of my income goes to my copay for my care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: Spring Oaks Capital, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have submitted multiple complaints/disputes to XXXX, XXXX  and transunion in regards to my consumer rights being violated. Their abusive credit reporting practices and lack of effort to correct their mistakes, have continued to hinder my ability to achieve a basic means to live. It has impacted me in obtaining employment, financial services, housing and transportation. Attached is my most recent disputes and instructions for resolution.

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 2017-03-06
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Submitted a signed/completed application to the total and permanent XXXX unit dated XX/XX/XXXX. On, XX/XX/XXXX, Nelnet the servicer under contract by the U.S. Department of Education to assist with the processing of the above mentioned program, sent a letter acknowledging the application, the letter states the review process can take up to 30 days. My initial review process actually took almost 60 days ( after many phone calls ), a letter from Nelnet dated XX/XX/XXXX advised that they want the Physician to update section 4, question 2. The medical doctor updated this information and faxed the correction with the words " XXXX '' along with her initials. This was faxed to Nelnet on XX/XX/XXXX and on XX/XX/XXXX, Nelnet acknowledged receiving this information. Now, two weeks later the application continues to claim " under review ''. Calls to the Nelnet service center at XXXX on XX/XX/XXXX, Sue advised that it only should take a few weeks. The call on XX/XX/XXXX, to Nelnet, XXXX advised that no set time exists, the processing has no time frame whatsoever. Nelnet needs to issue some continuity with customer service representatives, so that callers do not receive conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A company called Enhance Recovery Company supposedly representing XXXX put a collections on my credit report at of XX/XX/XXXX saying they purchased a bill XX/XX/XXXX from XXXX which was allegedly from XX/XX/XXXX I have never received any communications from XXXX with threats of collections for a past due account and I have never received any correspondence from this collection company ERC they have violated section 809a of FDCPA. I still have not received any written or verbal communication from them and XXXX can not find this account that I am supposedly liable for I have had XXXX for 4 years as an individual account so this is ridiculous and has negatively affected my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation