BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, our loan was transfer from XXXX XXXX  to SPS for servicing. Due to my bankruptcy, there was an issue with my statements as the address on file was my attorneys address, once we rectified this, I got my first statement and I noticed an entry for Deferred Principal in the amount of {$7800.00}. On XX/XX/XXXX I called SPS and talked to XXXX asking for an explanation on the {$7800.00} deferred principal that was showing on my statement. She was unable to locate the reason for the extra principal but explained that this was something that was received from the prior servicer. She said she was sending a request to research and that I should receive something in the mail. 
I received the documents showing an adjustment for the same amount on XX/XX/XXXX but no other explanation. 
On XX/XX/XXXX I sent a letter with all the documents below asking SPS to for an audit on my Mortgage Loan and for a clear explanation with supporting documentation proving the reason of the addition. 
Attached the following documents : XXXX Form 1098 showing and outstanding mortgage principal as of XX/XX/XXXX of {$210000.00} XXXX XXXX # XXXX Statement dated XX/XX/XXXX with an outstanding balance of {$200000.00}. 
SPS Loan # XXXX Statement dated XX/XX/XXXX with an the following amounts : o Interest Bearing Principal of {$190000.00} o Deferred Principal of {$7800.00} o Outstanding Principal of {$200000.00} I did receive a letter stating they received my letter and documents but I have not received any information from them. Once again, My latest statement is till showing a Deferred Principal in the amount of {$7800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I combined a home mortgage and a heloc and refinanced with my existing lender Citizens-CCO Mortgage. Closing was Tues XXXX XXXX, 2015. I was told many times that no XXXX XXXX mortgage payment would be needed. 6 days later, on Monday XXXX XXXX, an auto-pay for {$2400.00} was deducted from my checking acct, and applied to the closed loan. The unexpected payment made my checking acct overdraft by {$640.00}. The Loan Officer admitted his error ( that he never cancelled the auto-pay ), and he put in writing that I was due the principle and interest refund. He also said escrows from the closed loan would be refunded in 2-3 wks. On XXXX XXXX, {$2400.00} was wired to my checking acct. ( {$2400.00} is the total of all escrow money held in the closed loan ). The Loan Officer then stopped returning my calls and emails because he focuses on loans, not closings. In XXXX I had 3 meetings with Citizens Managers trying to get my principle and interest returned, but they said no money was owed. The Title Company Manager told me that this problem is common with Citizens-CCO, and that other closings that occurred at the end of the month resulted in customers who were trying to get their " extra payment '' returned too. Then in XX/XX/XXXX the local Citizens people sent my issue up to the Office of the Chairman ( OOTC ) of Citizens Bank. Then I started receiving finance charges due to the overdraft that was caused by the Loan Officers negligence. I reluctantly paid the {$640.00} overdraft funds in order to stop the finance charges from occurring. The OOTC reviewed the situation and in XXXX they said no money is due back because they already sent me the {$2400.00} escrow money. Then in XXXX I supplied documentation again proving I was owed money for the extra payment of principle and interest. Then in XXXX the XXXX replied that they sent me the {$2400.00}, which they now claim was the principle and interest plus 1 days ' worth of interest! So I have 2 letters from the OOTC which directly conflict with each other! If they ca n't figure this out, who can? I wrote to them and asked them to tell me the correct answer because their letters say 2 totally different things, and for the last 2 months they refuse to look at the issue because they say they already addressed it. Frustrating! I have asked for a face to face meeting, I have asked repeatedly for a phone conference to go over the documents, I have great email trails, and documents to prove that money is owed to me. I have spent more than 100 hours working on this, to no avail. I have written nice letters, and I have more recently written stern letters XXXX but always respectful ), trying to get action. I have spoken to experts in the mortgage field that tell me to file a complaint with the CFPB to get action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I sent in a mortgage payoff to Specialized Loan Servicing, XXXX, Colorado. It was rejected because the funds were n't certified. I sent in certified funds. I received a call that the payoff was short because of interest and that I could pay it off with a credit card over the phone. I asked first for a letter saying that this would pay it off in full. They refused so I did n't pay it. I just got a letter asking for additional funds to pay off the loan that says if the funds are not received by XXXX. on XXXX they will return all the money received. 
XXXX problems : I received that letter on Saturday afternoon, XXXX which meant a run to the bank and to XXXX to send it off in time. I missed the XXXX deadline. Problem XXXX : It seems to me they are deliberately making it difficult to pay to maximize interest. Why would n't a company accept a check and bill for the remainder if it were interested in a payoff? Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A hopital medical bill came to my address attention to me from someone who used my address when he got into an auto hit and run accident. After his release from hospital Ive been receiving the bill continously for several months despite my sending a letter informing them that the bill is not mine and he does not live at my residence nor I am his guardian. I do not even know the person. The bill is not mine. I am not the patient. For several months I am still getting the bill and now from a collection agency despite my numerous times of communicating with the hospital that the bill is not mine and I have no information regarding the whereabouts of this person. They are using my name and collecting from me on a bill that was never mine for someone whom I do know nor I have any relation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Specialized Loan Servicing , LLC, ( SLS ) has not been working in good faith with us to process a mortgage modification for our small family farm. In fact, they have been untruthful in regard to missing documents, resulting in multiple reapplications and costly delays. After I filed a complaint with CFPB in XXXX of 2015, SLS finally offered us a Home Affordable Modification. It was processed and SLS said that they sent the finalized document to the courts for approval on XXXX,2015. They lied! Every month, they said it was in process with the courts and every month they lied. The final document from SLS still has not been received by our attorney or the court. We are just asking for a chance to be able to pay the mortgage on our farm at a reasonable interest rate. My family of XXXX generations is facing foreclosure if we can not come to some agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
specialized loan servicing has not reported my payment activity since XXXX 2016 on my mortgage.

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 2016-10-26
Company: Caliber Home Loans, Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I purchased a Townhome in XXXX, SC as a Veteran loan, which was financed by XXXX XXXX ( XXXX ). I satisfied all pre-qualifying requisites to include obtaining flood insurance beyond the general home insurance. After a couple of months, XXXX sold my mortgage to Caliber Home Loans. On XX/XX/XXXX, Caliber Home Loans notified me that they had deducted {$2700.00} to purchase comprehensive wind insurance on my behalf. Although I understand I can purchase my own wind insurance, I find this practice quite arbitrary since during the loan qualifying process, XXXX XXXX did not require it. Further when I contacted them, they stated I was not required to get this insurance and even attempted to contact Caliber Loans on my behalf ( See attached e-mail ). Caliber Loans chose to purchase my mortgage, not the other way around and they did so knowingly I had no wind insurance, which as previously stated I 'm not required to have. If Caliber Loans feels they need to further protect their investment as they have stated on their notice to me, then that is a financial expense that they need to afford themselves, instead of placing this added financial burden on my and my family. A consumer should not be subjected to new requirements every time a loan is sold to another financial institution. This is not a fair practice. I asked that they return the money they deducted from my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX account balance was paid directly to XXXX XXXX technician during service call ( {$87.00} ). I was unaware of any balance owed as Id moved from my old house and the account was not switched from my name by my roommate that stayed. I then found that credit collection services opened an account ( XX/XX/2014 ) with the original creditor named XXXX XXXX. When I contacted CCS ( Credit Collection Services ), I told the representative that the debt was paid already and they said that I owed a fee for them managing the account. I paid their fee even after I explained the situation with the company over the phone. They said even though I paid them their fee, they would not remove the account unless they had a letter from XXXX stating the debt was paid and can be removed from my credit report. Ive contacted XXXX and they were not been able to find the account information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: USI Solutions Inc.
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I keep receiving debt collection phone calls from XXXX. When I call them back, they identify themselves as USI Solutions Inc most of the time, sometimes they identify themselves with a fictitious or illegible company name. When they leave a voicemail, they identify themselves a USI Solutions Inc. The calls are in regards to a XXXX account prior to their acquisition by XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. I told the debt collector that it was n't my debt and asked her to mail verification. She told me they were " not in the letter business. '' They wo n't even provide me with an account number for the alleged debt. I never received any verification or notification of rights. I called XXXX to try to verify the debt myself, and they have no record of it. They call every single day and if I attempt to communicate with them, they are very rude and talk over me with blatantly inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$450.00} on the XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a XXXX account and shortly thereafter decided to cancel this account. I followed the cancellation policy outlined by XXXX. I even took it a step further and went to ( 2 ) stores and spoke with a supervisor at each store to confirm the account was cancelled and in good standing. On both occasions, each representative told me that the account was paid and in good standing and that the account was in fact closed and there were no issues with the account. I later spoke to the regional director of XXXX, and he too looked up my past account, and confirmed that the account was in good standing and there were no issues. I did not receive documentation from XXXX that this account was in jeopardy. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance to report and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-07-12
Company: Capital Management Services, LP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Capital management has contacted at a place where is it inconvenient for them to contact me which is a violation of 15 usc 1692c. Capital management has not received consent to contact me at my home. There is no law obligating them to contact me. It is inconvenient for Capital management to contact me at any time or place. Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; Per cfpb complaint number XXXX, it was requested that I not be contacted or communicated with about the placement of this account. Capital management was specifically told to cease and desist as confirmed by their counsel. They have violated my request by sending another letter to my place of abode without my consent.

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 2017-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Every month, BAC charges me too much when I only pay the minimum amount due by processing the lowest APR first. See below : " If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: FL
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 paid off most of my credits cards and the companies are not removing the late payment reports and it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: SYNCHRONY FINANCIAL
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am not able to access my money with Synchrony 's savings bank account to pay the mortgage and credit card bills. As an online-only bank, they have no physical branch and the only way to access funds is via transfer in/out to another financial institutions. Per the FAQ on their website, there is a maximum of 10 external account connection. I only have 3 active external account and could not add a new external account. I recently transfer my mortgage to a new Bank and need to transfer funds to the new Bank to pay my mortgage and credit card bills. I spoke with an agent and her manager and they told me because I have deleted 22 old eternal account, I have reached the system 's maximum limit of 25. I don't understand how old and deleted external account connection are still in their system and count against my ability to access funds. I have 3 active external account and should be able to add 7 more. The agent and her supervisor told me I could initiate a wire transfer to access funds but that will cost {$35.00} per request. Synchrony is creating undue barriers and obstacles for consumers to access their funds through antiquated rules and systems and forcing consumers to use high cost withdrawal methods to generate fees.

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 2021-08-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a 1st mortgage and equity line of credit thru FifthThird Bank. I paid these loans off via a wire on XX/XX/XXXX and XX/XX/2021. After numerous calls, emails, etc. to date I still have not received my escrow account refund of over {$3000.00} and an overpayment on the payoff of {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ATTN CFPB REF XXXX THIS IS NOT A DUPLICATE COMPLAINT THIS IS IN RESPONSE TO WAKEFIELD & ASSOCAITES LETTER THAT WAS ON YOUR SITE FOR ME TO REVIEW. ALSO I WOULD LIKE TO MAKE YOU AWARE THAT WAKEFIELD AND ASSOCIATES HAS LEGALLY FAILED TO RESPOND TO ME BY THE DATE THEY SAID THEY WOULD IN THIER RESPONSE TO THE CFPB PORTAL. THIS ILLEGAL TRADE LINE SHOULD NOW BE COMPLETELY DELETED FROM MY CREDIT REPORTS. 

WAKEFILED AND ASSOCIATES I AM ALSO REQUESTING THAT YOU PROVIDE ME WITH A LETTER OF DELETION TO THE PORTAL. I WILL ALLOW YOU 72 HOURS TO CONTACT THE CREDIT BUREAUS, BEFORE I FILE MY LAWSUIT. 


This Complaint is being Filed against Wakefield & Associates in response to the above reference account that Wakefield & Associates has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Wakefield & Associates for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Monterey Financial Services LLC
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I ordered an exercise machine from XXXX off of a television infomercial. I agreed to pay XXXX payments of {$49.00} per month. One month after receiving the equipment I received a letter from Monterey Financial Services advising that I have a loan with them. A week later the account showed up on my credit bureau report. I never agreed to having an installment loan placed on my credit bureau reports. XXXX XXXX took it upon themselves to set up an account with Monterey Financial. During the course of paying for the equipment I got behind and Monterey Financial reported me as 61-90 days past due. When called Monterey and advised that I was going to sue them as I never gave authorization for them to open an account in my name and place it with the XXXX credit bureaus. XXXX the representative I spoke with received authorization from her supervisor XXXX XXXX that Monterey would change the status to paid as agreed if I paid the account off.I checked my credit files and found that they only reported the account as paid but with late payments. This was not the agreement. Further more the account should have never been placed on my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation