BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-15
Company: Rocket Mortgage, LLC
State: NV
Product: Payday loan
Issue: Can't contact lender

Complaint:
Quicken Loans obtained XXXX ( XXXX ) HARD Inquires from XXXX and XXXX Credit Reports Bureaus without my written consent ; consequently, these XXXX hard inquires lowered my credit score for future financial assistance. 

Quicken Loans XXXX Customer Services representatives XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX Ignored my request to REMOVE their Quicken Loans name from my XXXX and XXXX credit report files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XXXX I would like to file a complaint against US.bank, who sold the property to a third property, but when the home was foreclosed, I did n't find out that USbank had any interest until I received an unlawful detainer and USbank was at the top of the list. When the home was foreclosed, it did n't sell at auction, and reverted back to the bank, but nobody would say which bank. When I received the unlawful detainer, I immediately went to a local branch located @ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I spoke with the branch manger ( XXXX XXXX ) on several occasions from XXXX XXXX, until as recent as XXXX XXXX and while I was there he would call the back office, and USbank would never acknowledge ownership, nor could they identify me by account number, address, or social security number, yet the third party speculator claims they purchased the property from them. I went to XXXX to help me through the process and on paper it was made look like US.Bank was the highest bidder, but that 's not the case, it reverted back to the bank, and I recently have documentation from XX/XX/XXXX ( Enclosed ) where USbank is affixed at the top of the list. I would like to discover why they could never identify me, and banks are allowed to play this game of keep away from distressed homeowners trying to reach out to save their properties. I am contending that USbank sold a property that they had no right to sell, they know that and if I just give up, they win. I want this investigated ; I should at least be given the right to a jury trial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've sent in disputes on XX/XX/2021 and XX/XX/2021 to Transunion and XXXX regarding to the collection XXXX aka XXXX XXXXXXXX XXXX. I haven't received any information pertaining the disputes about the collections I have no knowledge of.

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 2016-12-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We attempted to achieve a lower interest rate through both XXXX and Select Portfolio Services. We submitted paperwork to XXXX for over 11 months they then transferred the loan to SPS and we started the process over and they continually asked for the same documentation over and over. We insited we did not want a loan modification we simply wanted a a lower interest rate. They said no probel. Finally after XXXX plus months they denied our request because we did not qualify for the loan mod because we made to much. This delay will now cause us to pay higher interest rates if we re-finance because rates are now rtisiong. They continually did not return phone calls when we complained they were rude to my wife and stalled. They are now harrasing us for a payment they say we owe, which we believe we do not, as you can see we pay between the XXXX and XXXX of the month on line. This is an issue left over from an XXXX mistake. 

We just want this issue resolved and SPS to reimburse us for our time and the lost funds a higher interest rate is going to cost us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please see attachment. Select Portfolio is making a claim that it represents my creditor. They claim there is an assignment that took place by XXXX assigning my note to some Trust. They never sent me a copy of the assignment. Please help me get understanding and to get them to send me proof of an assignment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage Acct # XXXX which was sold/transferred to SPS from XXXX was approved for a modification prior to the transfer. 
Throughout this transfer there has been a lot of confusion for me due to the timing of the transfer and the manner in which it was handled. I have been advised that the terms of the XXXX Remodification should have been honored by SPS, Select Portfolio Servicing, and that changing the terms is unethical and illegal. 
The mortgage terms in the documentation from SPS are nothing near what the terms I received from XXXX are. 
Please review the attached document from XXXX with the terms that I agreed to. 
I completed my trial period payments as agreed and I presume that the original terms are binding. I also understand that XXXX did not include the documentation for the remodification until I made it known to SPS and made a request that they be sent over. I will be advised by an attorney as to what my legal rights are in this matter. 
Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: McCarthy, Burgess & Wolff, Inc.
State: SD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had a debt collector contact my mother saying that I had an account in collections. When I contacted them, they stated it was for a XXXX account out of Idaho. I have never lived outside of the state of South Dakota, and have had the same XXXX account from approx XX/XX/XXXX-XX/XX/XXXX. I told them that I was a victim of identity theft and that I would be filing a police report. This debt had since been reported to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
1. I had a fire in my home. 
2. The insurance carrier issued a check to cover damage payable jointly to myself and the mortgage company. 
3. I endorsed the check and sent to the mortgage company. 
4. They deposited it and requested I send them numerous docs then more docs. I did but there is no end in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: BB&T CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last year our family needed assistance with our mortgage and taxes, so we sought a HAMP modification. It has/was approved, however there were 4 late payments reported on my credit report. However these were not late, they were paid at the reduced agreed upon payment. I would like these late payments removed from my credit as they were not late.. Thank you

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 2021-03-15
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a bluebird account with American Express. I am unable to use the card as intended as used in the past. When transferring amount to sub account is says pending and never transfers the money. Customer service will not help. They say to try later or call back later to no avail. The phone number automatically disconnects XXXX. On phone this moment with American Express. On hold for 20 minutes. No help. No answers. No further people to speak with. XXXX at American Express actually said XXXX is not part of American Express. American Express is listed twice on the front of the card and once again on the back

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have filed a credit card with Citi and was approved. The problem is they gave an APR of 20.99 % after the introductory period. I have excellent credit history and credit score and I have called them and tweeted them about why is the APR so high. If a person with excellent credit history gets 20.99 %, who will get the best APR? 
Also the problem is there are not giving any answers why is the APR set at 20.99 %. 
If I 'm the consumer of the product I should how I got the that APR. 
I have closed the account. The problem is my credit scorer decreases a few points because of the credit card application and closing the account. Why should I lose points? They are not answering any questions which I ask. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan company Quicken Loans is trying to auction off my home. They have not allowed me the opportunity to go through mediation as required by Maryland law and they have not reviewed me for ANY programs that may help me save my home. This is an FHA loan and I have been told that there are several programs available on FHA loans to help homeowners who are struggling. I had a hardship and it caused me to fall behind on my loan but I have recovered from this and am working and trying to fix the problem with Quicken Loans. However, they tell me I have to pay them all the late payments at once or they will auction my home. I live here with my wife and XXXX children and I do not want this to happen. 

I bought my home in XXXX and completed an FHA streamline refinance through Quicken Loans in XXXX. In XXXX XXXX my wife was pregnant and she saw a large snake in our house. She was very scared and essentially refused to live in the house because she was scared for the baby and for our other small child. So we had to move out of our home and stay at my mother 's house for XXXX months. I had to pay my mother rent, as well as pay the utilities and mortgage payment on our home. A couple of months later I began falling behind on the mortgage payment. My wife insisted that I hire people to come out and clean out the entire house and treat it with reptile repellent. This was expensive and it took a while to get this done. 

Shortly after I began missing payments I tried to start the review process with Quicken Loans. I was assigned a case manager but I was rarely able to speak with this person, and instead talked to other workers who were not knowledgeable. This went round and round for XXXX months -- I would be told I am now in review with the underwriter, then I find out a couple of months later that the review was not completed because of this or that document and now we need to start over. 

This is not acceptable. We have moved back into our house, so the hardship has passed. I am gainfully employed and can afford a fair mortgage payment. However Quicken Loans has not given me any options other than full reinstatement, which I am not able to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Select Portfolio Servicing caused an unauthorized individual to trespass upon my property for the purpose of harassment and intimidation on Friday, XXXX XXXX, 2015. I was alarmed and afraid in my own home. I reported the incident to the police who made an official record of the activity which is in violation of local laws as outlined in the attached affidavit which I submit for CFPB review and follow up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Firstsource Business Process Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Firstsource Advantage Certified Mail back in XX/XX/XXXX. After signing and receiving my dispute letter on XX/XX/XXXX at XXXX XXXX, Firstsource Advantage FAILED to ever respond back to my dispute letter that they signed and received. 

As a result of Firstsource Advantage ignoring my dispute letter that they singed and received back in XX/XX/XXXX, I have re-contacted the Federal Trade Commission in XX/XX/XXXX and I have filed yet another Federal Trade Commission complaint against Firstsource Advantage LLC. The FTC file # 's against Firstsource Advantage are XXXX & XXXX. My complaints are for the following : -Failing to respond to my initial dispute notice received on XX/XX/XXXX, XXXX USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX -Failed to contact me with a notice that advised me that their office purchased this account and allowing me the right to dispute within 30 days -Failed to contact me at all. Failed to provide me with anything at all. Instead, Firstsource Advantage purchased the account and placed it on all 3 credit reports. I would have never known about their illegal and deceptive practices if I had not obtained a copy of my credit reports -Illegally pulling my credit reports without my consent or prior knowledge, leaving credit pull inquiries.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: STONEGATE MORTGAGE CORPORATION
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
At the time of closing, there was no mortgage insurance listed on our closing disclosure and documents. When we received our first mortgage payment statement, the amount due was {$92.00} more. I emailed our mortgage broker with XXXX XXXX and asked if he could explain the discrepancy. He responded 2 days later explaining that " for some reason, the payment letter and such given at closing did not include the mandatory Mortgage Insurance '' and encouraged us to pay the amount with the mortgage insurance from the payment statement. I do n't feel we need to pay the amount with mortgage insurance as this was omitted on our official closing documents we signed at closing. I emailed and mailed a complaint letter to both XXXX XXXX and XXXX Mortgage on XXXX XXXX, 2016 with a deadline of XXXX XXXX, 2016 to respond or I will file a complaint. I did not hear a response from either one of them and I am reporting our mortgage broker with XXXX XXXX. I did make our first mortgage payment on time for the amount we signed at closing ( {$1900.00} ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Open an business account with PNC, and after half years find out was charge XXXX dollars for service fee without any service, or authorization. I was told there will be no fee associate with the accounts, and it has XXXX account number but counted as XXXX. The fee is waived since I have a merchant account. However the merchant is never setup, the person in charge of my account setup has left despite my mulitple request to set up by emails and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I had an online bill payment scheduled XXXX for XXXX, over the weekend I spent my money scheduled out as PNC banking showed it as available, however XXXX they still sent that payment causing overdraft of my account. I online chatted with them and sent them a message requesting they fix this problem and issue a refund, however they declined to do either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/XXXX a collection agency called me trying to collect a debt from XX/XX/XXXX and XX/XX/XXXX in which was paid and I faxed a copy of the removal from my credit report. This agency is saying this is not enough information to prove this has been paid. In XX/XX/XXXX I was a XXXX, therefore that charge can not be on my credit..The debt from XX/XX/XXXX was paid in full and is on my credit report as being removed from my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: PNC Bank N.A.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
PNC Bank withdraw slips read : I, XXXX The undersigned XXXX, do hereby acknowledge receipt of $ XXXX Amount XXXX however they are requiring this form to be signed in advance, without receiving the funds, before they will transfer or relinquish the funds from my account. I refuse to sign for money I have not received yet as long as the verbiage stands, and the bank refuses to change the funds to a non past tense statement. 
I would be fine signing a withdraw document that had better verbiage, or signing in after actual receipt of funds. But in the current form it produces a legal liability and I refuse to perjure myself just to access my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My realtor has initiated a short sale with PNC in XXXX of 2015. Each time she and I have spoken to PNC we have both been given incorrect information pertaining to my loan. She has faxed to over XXXX pieces of requested documentation repeatedly and has been told the file would be submitted for short sale process. She had names, dates, and information logged for each phone call made. PNC did not even have my correct phone number, email, nor bank info which was provided numerous times. Their response is always " we attempted to contact you '' knowing the number was incorrect and continuing to call an incorrect number they had on file. Now I am being told I am eligible for a repayment/loan modification plan which does not make sense as my financial info was submitted ( again numerous times ) and the calculations they are using are not accurate nor correct. They have offered to reduce the monthly mortgage payment from {$2300.00} to {$2000.00} which again I am not able to afford this payment as I am the only individual currently residing in the property with reduced income by more than XXXX %. I am totally frustrated over the lack of communication and disorganization with the reps, team leaders, and supervisors on the phone. They can not even record the phone calls made which my realtor has logged which is telling me they do not keep accurate records and are providing inaccurate info to me. The team leader I spoke to today by the name of XXXX and also the rep by the name of XXXX XXXX ID XXXX both stated the info was not logged and a supervisor would have to pull the conversations and listen to them to verify what was said. At this time, there is a sale date set for XXXX XXXX, 2015 which I was told would be postponed until the offer letter expires on XXXX XXXX. I have no intentions nor can I financially keep this property and therefore have no other option but to pursue a short sale. My next phone call is to HUD which they advised me to contact to further investigate my file regarding pursuing a short sale. I 'm sure I am not the only account holder experiencing issues similar to this with PNC. They are once again the main reason why this file has been delayed since initiation back in XXXX as each time the info relayed is either incorrect or not relayed to where there is an understanding on both sides. Please begin the investigation asap and if need be I can provide updated financial info or whatever necessary documents required on my behalf. Thank you in advance for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was contacted by Quicken Loans on my cell phone ( which is registered with the state and federal do not call list ). Said was regarding a loan application I had submitted online and they needed to talk to me to proceed. XXXX XXXX was the person calling. XXXX. I had not submitted any loan application, so I was terrified my information and identity had been stolen. I called back and when pressed, they admitted they had purchased my information from someone who mines internet data and they were trying to get me to take out a loan. I was livid. They were totally misrepresenting the situation ( saying I had submitted an app online ) just to get me to call so they could try to sell me a mortgage loan. This is, in my opinion, a scam and it should n't be legal.

Company response to consumer: Closed with explanation