BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/XXXX I was able to do a home loanmodification that the Presidentput in place. My home loan is servicedwith Select Portfolio Servicing companyI have made my payments on time every month since XX/XX/XXXX except XXXX timein XX/XX/XXXX I wrote my mortgage check out ofthe wrong checking account and caused alate payment on my credit. 
For the last five years I have been working to pay offeverything on my credit report and have gonefrom a low XXXX credit score to XXXX-XXXX now. 
I wanted to get an even lowerinterest rate because shortly after Select Porfolio Modified mymortgage payment to an affordable payment, they raised my paymentthree months later to an un-affordable rate, after they had takenthe incentive from the government for my loan modification. 
So I found out about the HARP program and how you could check withyour mortgage company to see if they offer the programand could get you a lower interest rate. 
I called Select Portfolio Servicing and asked who myMortgagee was and the person that answered stated that they could not tellme over the phone and that they would mail me the name of my Mortgagee. 
They sent me a letter and I have it and advised me my mortgageewas XXXX XXXX. They did not provide a phone number for me to callXXXX. I was advised by Select Portfolio Servicing thatI could not contact them and that I would haveto contact Select Portfolio Servicing if I wanted or needed any king ofassistance in regards to my home loan. 
I went ahead and googled XXXX in NY and someoneanswers and connects me to a recording when I asked for someone in the mortgage dept. 
I called and I called to reach someone with this XXXX XXXX. 
I then applied with XXXX XXXX for the HARP program and theyadvised me that my home was in foreclosure. 
I applied with my local bank XXXX XXXX XXXX, and they advised me thatmy credit report shows my home is in foreclosure. 
I asked XXXX XXXX XXXX Loan Officer, where are they gettingthis information from because I am looking at my credit reportI pulled last week and it shows I have not been late XXXX timesince XX/XX/XXXX but in XX/XX/XXXX for writing the payment from thewrong checking account and I have proof of that. 
I would like to be contacted about what action that I can take against XXXX XXXX. 
They are purposely filing mis-information to these credit bureaureport. The banks co-CEO and CEO have recently resigned for putting people inforeclose who should have never been in foreclosure. Please contact me aboutthis matter asap, as I need to get my home refinance at an affordable rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Established XXXX account at Suntrust ( now Truist ). Sent check to beneficiary in XXXX for {$95000.00}. Beneficiary received the check, endorsed it and deposited this check into his account. Check cleared Suntrust on the XXXX XXXX XXXX, but the funds were never deposited into beneficiaries Scottish bank account. I, as Trustee, contacted Truist to try and find out to which account the money was deposited into after it left the trust account. My fist contact with Truist was in XXXX of XXXX at the branch level. This was no help, but they did give me the XXXX phone number for Truist. I called it in late XXXX and must have spent hours on the phone trying to get someone to listen to me. I was told by a number of these different people I should put a " STOP PAYMENT '' on this check, since Suntrust had paid the check I informed them how could I. After months of trying I finally I spoke to XXXX XXXX, she understood what I was asking and said she would try and help solve this situation. She called me today ( XX/XX/XXXX ) and informed me that Truist policy was that once the money left the trust account legally there was nothing that they would do about it, Truist was not legally bound to inform me of to which account they had sent the money to. It is a simple question I ask -- what account did the money go to after it left the XXXX account, as it wasn't deposited to the beneficiaries account. 
The Suntrust trust account number is XXXX, the routing number is XXXX, the EIN to which the account was set up is XXXX, the account was opened at the branch in XXXX XXXX, Florida around XXXX XXXX. There are two Trustee 's on this account, I am one of them, my name is XXXX XXXX. I can be reached at either XXXX or by cell phone at XXXX - XXXX - XXXX. I also sent a certified letter to the CEO of Truist on the XXXX of XXXX, explaining the dilemma of trying to solve this question " To which account did the money go to after Suntrust ''?

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 2022-10-17
Company: Chime Financial Inc
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My account was suspended or Frozen due to strange activities they claim yet while going through this my money was moved or removed out of my savings and checkings account and the amount of {$630.00}. Without my permission or authorization. My accounts supposed to be secured and yet they allow this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Upgrade, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The company granted me a line credit with a certain number of fixed payments over the years at the end of which my loan would be paid off. During the pandemic I requested a lower payment amount as a forbearance period. It was maybe XXXX or so. My payments were XXXX /month. I resumed to full payments a few months later. I got a call the other day that my last payment had come to term but I still had a XXXX balance! That's when their agent on the phone went on to explain the disclosures about the interests they were charging me on the differential of the reduction they gave me. Apparently, unbeknownst to me it had been accruing for 2 years which is the period between the time I was granted to reduction to the last month of the term of my loan. The original loan was XXXX. Based on payments I made the loan should be paid except maybe XXXX or XXXX that should represent the reduction they gave me. I just don't understand how that has turned into an extra {$1100.00}. I can not pay that because I feel when they gave me the reduction, no such explanation was given to me and I feel it was misleading and mischievous. I have worked hard to build my credit score to a good level over the years and I know where this is going. I received a notice today that the full XXXX is 7 days past due. I know as a finance enthusiast and money management auto didact that reporting to CBs happens after 30 days and they can not mess with my credit. I want a resolution that is fair and them being clear with consumers when granting those kinds of breaks which I appreciated. 
Their CS Number is ( XXXX ) XXXX My account # is XXXX Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received an invitation to apply for the Gander Mountain Mastercard provided by Comenity bank. Upon submitting the require information I received an email stating " Congratulations! 
Dear XXXX, You 're approved! Now you 're ready to enjoy all the benefits and advantages that come with your new Gander Mountain Mastercard ( R ). '' I then received the following day an email stating Welcome to Gander Mountain credit card program which is the store card without the co-branding of Mastercard and not what I was approved for. On XX/XX/XXXX after receiving the second email I called the number for the Gander Mountain Master XXXX and spoke with a representative at XXXX for XXXX minutes XXXX seconds, who spoke with his supervisor stating they would be sending the Mastercard XXXX I specifically asked if I should receive the store card that I should cut it up as the Mastercard was being issued. The representative confirmed this. On XX/XX/XXXX I called The same number as I had received the store card and was inquiring about when might receive the Mastercard. I called at XXXX and spent 99 minutes on the phone being passed around to different people and each person I stated I can email or fax you a copy of the approval email sent by your company, no one gave me any such contact information. At the 55 minute mark I was transferred to a senior account specialist whom I discuss the entirety of prior conversations and my request that they honor the Mastercard approval and send me the card I was approved for. Again it was stated I was n't approved for the Matercard and again I was not given any contact information to either fax or email my approval letter. Today I found a number for customer relation fro Comenity bank XXXX and called at XXXX for 15 minutes and was yet again told they would not provide the card I was approved for but did give me a fax number XXXX XXXX I sent a letter of explanation and desired outcome of which I will include in this complaint. My desired outcome is that Comenity Bank provides the product, specifically the Gander Mountain Mastercard, as it was communicated to me by their company in the approval email containing specific detail of credit limit and APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, my name is XXXX XXXX. For the SYNCB/Banarepdc account on my credit report there is two late payments for XX/XX/XXXX and XX/XX/XXXX that I made that aren't 30 days late on the payments. If you check the account since it has been opened from XXXX there hasn't been any late payments except these 2 where there was a payment issue. Not only that I did not receive any bill or payment alert or notification it was due as I always make my payments and never miss any. I am trying to go for a mortgage loan and this is severely hurting my credit.

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 2016-09-12
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had flood insurance placed on my property in 2013. Unfortunately this coincided with a job loss that was the main source of income, so we had to save money in order to have a new survey. That was done and submitted ... and then we needed an elevation certificate. That was done and submitted. Then we were told that we had to submit paperwork to XXXX for a XXXX. That was done. With the lowering of our income, this took some time. We were assured that the premiums would be returned in full once we had the XXXX. We never missed a payment, even though the " escrow shortage '' grew and grew, with the added monthly flood insurance premium, the shortage that was created by the initial premium, and the " cushion '' ( XXXX of the total, or there about ). Finally, all the paperwork has been submitted, we are no longer required to have flood insurance ... and we ca n't get our money refunded. The company ( according to their automated phone system and our account profile on their website ) made a " payment '' on our loan in the amount of the first year 's premium. Except not really. I was told it was n't a " payment payment ''. I was told this after 20 minutes of listening to " XXXX '' sigh and click and mutter while he tried to figure out what happened..and then was completely rude. My monthly escrow still reflects the flood insurance. My payment is still more than {$100.00} over what it should be, but that " should be corrected in XXXX ''. I understand that many other customers went through worse scenerios, even into foreclosure ... but this company is making so much money with these smaller situations : excess cushions, " shortages '' that they ca n't even explain, delays in escrow adjustments. All that money they collect just disappears. They could n't even explain their own escrow analysis. I was a loan closer in the XXXX 's, before everything went crazy, and we were required to document every penny in and out of escrow. The regulations have to be stricter now, do n't they? How can this company still be allowed to buy loans? Because I was not a willing customer Their client base is given to them, without our ability to vet them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: PENNYMAC LOAN SERVICES, LLC.
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 status incorrect

Complaint:
On XX/XX/XXXX, I requested a credit report and for my surprise, the mortgage company PennyMac Loan Services , LLC had not reported my payments for the last two years even though I paid them monthly. The explanation they gave me when I contacted them by phone that same day was that : I did a bankruptcy on XX/XX/XXXX and they did not have my letter of reaffirmation of the debt and they closed my account. I sent them by fax on XX/XX/XXXX the document included in the bankruptcy where I reaffirm my intention to keep the house and the debt. After a lot of insisting, two weeks later they told me that the documents were enough and that soon their bankruptcy department of PennyMac would contact me. When I did not receive a response in more than 10 days, I contacted them again and they told me that this was not the document they needed. My lawyer faxed them on XX/XX/XXXX a copy of the documents presented in the bankruptcy and a letter explaining that the document in question was presented in wich I reaffirm the debt with them and my intention to keep my house. PennyMac insists on not reporting my payments to the credit bureau and continues to report the account as closed, even though I keep sending my payments on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I keep receiving these emails stating that my account has been ( Your account has been suspended [ Case ID:XXXX ] ), and each time I log in I am unable to speak with a representative to resolve this problem. I have received several email messages like this one. My account is still active.

I am having to use my account today to pay a vendor ( XXXX XXXX XXXX ) person. 
This kind of service is unacceptable to me as I have been a valuable customer of PayPal for over ten ( 10 ) years without any problems. 

This is the full email that I received XX/XX/2020 at XXXX XXXX XXXX To : XXXX., XXXX.. 
XXXX XXXX,.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans included an invalid XXXX tax ( XXXX ) into my XXXX/XXXX/XXXX escrow analysis. This tax was not included in my XXXX analysis by XXXX. My mortgage was sold to Caliber by XXXX in late XXXX. According to Caliber this added tax caused an increase in my yearly escrow payment from XXXX XXXX X XXXX XXXX XXXX to XXXX XXXX X XXXX XXXX to XXXX. This is a yearly increase of XXXX. I ca n't believe that adding in this bogus amount of XXXX caused an increase in my escrow of XXXX plus I would have a carryover balance of XXXX. So now the total increase is XXXX, XXXX My monthly mortgage payment will increase from XXXX a month to XXXX per month. In my opinion this is borderline fraud. I have talked to XXXX Caliber representatives and I was told that it would take from XXXX to 30 business days to remove the XXXX. No one could tell me why my escrow had incurred such a huge increase. My monthly escrow should have remained at XXXX, since there was no increase in my XXXX taxes and insurance. As of XXXX XXXX, XXXX my mortgage statement shows an escrow balance of XXXX, with a XXXX escrow payment of XXXX to be collected and a tax payment of XXXX to be disbursed, also in late XXXX. This should leave a balance of a plus XXXX going into my new XXXX escrow year. During the XXXX XXXX - XXXX escrow year, my escrow account did not reach a minus balance. And this company is increasing my monthly escrow payment from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX and XXXX XXXX XXXX collector First Federal Credit Control. 
Reply : If XXXX XXXX would provide proof of coverage for the XX/XX/17 date of service the creditor would accept that and we would remove the account. The account remains disputed. 

Attached HealthCare.gov coverage for the times specified. 
XXXX directly sent Proof of Coverage as requested by First Federal Credit Control and 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 2015-10-23
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Quicken Loans. I Called to start a v.a. home loan. I started with XXXX, a high pressure salesman. I informed him that I was interested in pursuing a v.a. loan but needed to finish replacing the roof on my home before i began. he immediately requested my Social Security Number and pulled a credit report and informed me that i qualified for a good rate. he then pressured me into rate locking, even though i had informed him that i was going to be taking some time before proceeding with the loan to complete renovations on my home. I uploaded all documents requested of me, along with these documents was a statement of my home owners association dues. I live in a single family detached home in a private homeowners association of which XXXX was aware of. We are also on a community well. They requested credit card information to proceed with getting a appraisal scheduled. My credit card was debited immediately and i never got contacted to schedule an appraisal for over 3 weeks. After the appraisal, i was contacted by quicken to inform me that because i was requesting a V.A. loan and i lived in a " Condo '' complex, there was further paperwork required to obtain an aproved V.A. Condo I.D . This document takes 60-90 days to process thru the V.A. and quicken does not assist with that process. I do not live in a Condo complex and i have never heard of such a thing. I was then told that i would still qualify for a standard mortgage at a slightly higher rate. I started to proceed in that direction until a few days later i get the call informing me that because i filed for bankruptcy 3.5 years ago, i was automatically disqualified. XXXX had all my financial documentation almost 60 days prior. They were well informed of my bankruptcy since day 1. Why they attempted to place me in a standard mortgage after the failed V.A. attempt is further discouragement. Quicken mishandled this case from step one. Again, I do not live in a condo. Never heard of a V.A. Condo I.D . before and had no idea it applied to an association. No refund!? 

Desired Settlement : Billing AdjustmentQuit placing blame on the consumer and take ownership of your advertising. You do NOT specialize in V.A. loans. You specialize in making money for yourselves and when you XXXX blame the customer. Learn from your mistakes. If in the future, you get a client on the phone and they inform you that they live in an association, the questions should be asked to ensure that the HOA is not considered to be a " Condo '' I certainly did not know that ... writing mortgages is not my specialty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: United Consumers Inc
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
United Consumers Inc. sent me a notice stating that I owe {$150.00} to XXXX XXXX XXXX XXXX, however they are refusing to provide me with a bill. I have asked to cease collection activity until the debt is validated and they refused, which is a violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: URS Holding, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
United Recoveries called my home today in an attempt to collect a debt allegedly owed by my mother-in-law. My mother-in-law has NEVER lived at my home and United Recoveries called just to get information on her. Although the call was from United Recoveries, the phone number they called from, XXXX, displayed the caller ID of " XXXX XXXX '' an unrelated company in a clear attempt to mislead me. Also, United Recoveries recorded the call prior to obtaining my consent and peppered me with question immediately in an attempt to distract me from the statement that they would be recording the call.

Company response to consumer: Closed with explanation