BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The servicing of my mortgage was transferred from XXXX toSelect Portfolio Servicing at the beginning of XXXX 2015. I attempted inXX/XX/XXXX, to make my XXXX mortgage payment online, but was unable toaccess my account information. I contacted SPS 's customer service andthe gentleman who answered the call was also unable to access myaccount information. I was told they were a really large servicing companyand it takes time to load all the loans they purchased??!! Was this their firsttime uploading loans to their system? I did as I was instructed and waited untilXXXX XXXX to log into my account and to my surprise my account informationwas available. I logged in set up an account, placed my checking accountinformation into the system, to see a message I was going to be assessed a {$15.00} check by phone fee to make an XXXX time, on time regular mortgagepayment?!!! Working in the financial and mortgage servicing industry for thelast 13 years I know for a fact it costs pennies to process check by phonepayments. Consumer 's should not be charged outrageous fees to processregular on time mortgage payments. I am not delinquent, I am not having arepresentative process the payment, I did all the work, now automation takes over .... and I have to pay for the companies automation? I never had to pay afee with XXXX and since consumers can not choose who their servicingcompany is, I feel it is unethical for the new company to charge for servicesthe prior servicer did n't charge for. After calling in a talking to a servicingrepresentative at SPS, I got the run around before even getting the feewaived. I should n't have to pay {$15.00} for the company 's incompetence. 
Mortgage servicing companies are necessary for processing payments, dealing with the escrows, ect. but since the consumer can not shop aroundand make the choice about who services their mortgage loan, the servicingcompanies should not be able to charge customers for making onetimepayments online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
SW CRDT SYS is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for XXXX. While the account was in good standing I stopped this service. That was over 9 years ago. I had never hear from SW CRDT SYS so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806.

Company response to consumer: Closed
Consumer complaint received 2016-01-30
Company: AFNI INC.
State: MI
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:
I never received a written notice to pay said amount. It just showed up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had a mortgage loan with Huntington Bank and we are having difficulties in getting corrected yearend statements produced for the years affecting XX/XX/XXXX and XX/XX/XXXX. There seems to be incorrect coding in Huntington 's servicing system where it was not recognizing a bankruptcy that was discharged in XX/XX/XXXX.?? In XX/XX/XXXX both my ex-husband and myself filed a bankruptcy XXXX because of a failed XXXX. The BK was in fact discharged in XXXX XXXX. No reaffirmation was filed. In XX/XX/XXXX we tried to sell the home but was unsuccessful because we owed more than what it was worth. We had several short sale offers come in on the home but with repeated delays on Huntington 's end, we lost all offers. Because of delays and poor customer service by Huntington 's Loss Mit/short sale department caused the home to go to sheriff sale in XXXX XXXX. In XXXX and XXXX XXXX I received several XXXX forms from XXXX and XXXX that were prepared by Huntington. When I received the forms I called Huntington. I left a message with a rep who I explained what my phone call was about. She guaranteed me that someone will contact me back within a week ... ..which of course did not happen. I called again and finally spoke with a supervisor along with a manager and requested a correction. Because of the bankruptcy being discharged and with no reaffirmation filed, we were no longer liable for the debt. I was expecting a correction which would clearly state a " correction '' on the form along with not marking the form " not liable ''. The supervisor did say the proper BK coding was not there and corrections were made. The supervisor advised me that a correction will be sent on the XXXX form but I should disregard the XXXX form since that was an error. Even with receiving what I received and speaking with both the supervisor and XXXX I still felt the proper corrections were not sent to the IRS. Now in XX/XX/XXXX I received not only a XXXX but I received a XXXX on a house that was sold in XXXX XXXX??? The XX/XX/XXXX form came from Huntington Bank ... why? Why would we get these forms? I would like an answer from Huntington advising me that the proper corrections were made to the IRS in XX/XX/XXXX and why am I getting forms for XX/XX/XXXX. When it comes to the IRS I certainly do not want improper information sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Southwest Credit Systems, L.P.
State: LA
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 written Southwest Credit several times asking them to very the debt that they claim I owe. They have not provided me with any paperwork saying that I signed my name to a contract, only thing they keep sending out is a Bill. A bill does not validate a debt. I have been a victim of identity theft in the past. All i want is validation that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Southwest Credit Systems, L.P.
State: CA
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:
this debt was disputed and not validated back in XXXX 2016 -- while it was at sunrise collection it was reported on this site case # Case number : XXXX ] sunrise could not validate the debt and ceased collecting ... it seems as if they have now sold this same debt to Southwest Collections- XXXX -sw ref # XXXX -- XXXX XXXX i told them that this debt had already been disputed and never validated from the last collection agency -- - i asked them to provide the contract for this debt -- they say they have a bill ... a bill is not proof that this debt was incurred ... the fact that sunrise collections sold this to another credit agency, knowing it was not valid- is illegal.. and for southwest to keep collecting on this invalidated debt- a violation of the law ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SPS has dropped the ball on this foreclosure avoidance program. Seller has been trying to do a short sale and SPS never ordered an interior value. They ordered an exterior drive by only which is NOT VALID when trying to do a short sale for establishing actual value of a property. We were told on XXXX/XXXX/16 that an interior value was ordered and expedited and then on XXXX/XXXX/16 we were advised that they do n't know where their interior value order is. SPS is confused and displaying incompetence regarding a financial matter. Sellers are trying to avoid foreclosure and negligence on behalf of SPS is not a valid reason for seller 's home going to foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account and inquiries stated in this form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified by my credit monitoring service that a collection account from Southwest Credit Systems in texas put a collection account on my credit. For the record I have never received any validation of this debt prior to this going on my credit report. I have resided at the same address for the past 2 years and still have a forwarding mail with the post office from my old address. I called the collection company to resolve this issue and the young lady told me that I had to pay this debt and she did not have to verify any information with me and wanted me to provide her with my information. I told her that by law she is to confirm with me my information and validate the debt with me before putting this on my credit report. She told me that the client was XXXX. I advised her that I do not owe any debt with XXXX and my account was a pay as you go account which I no longer have services from them for over a year now. I had many issues while I was with XXXX not just that XXXX system were breached and my personal information was leaked. I would like for this collection account to be removed immediately. THis is not my debt and do not feel that it is right that this collection company can just put this on my credit with out validating this with me. They did not send me anything in writing confirming that I owe this debt and advised that they can continue to call me and seek legal actions until this debt is paid. I am a XXXX veteran on a fixed income and need my credit to survived. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-19
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened and account with XXXX with a 30 day money back guarantee. I did n't end up using the account and closed with-in the 30day trial period. When I called to cancel, the agent i spoke with explicitly told me that, given i was cancelling with-in the trial period i will not be billed. 
I was billed and upon contacting XXXX the agent politely informed me that i do n't have to pay anything as i canceled in the trial period. 
Now they have handed over my account to debt collection who keep calling me every day. I have reached out to XXXX and they have no clue why there is any collection call. The whole fiasco is a testament to poor management at XXXX

Company response to consumer: Closed
Consumer complaint received 2015-09-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I traded in a vehicle with the intention of getting {$1500.00} back from the car that was traded in. The sales manager, XXXX XXXX, guaranteed that my funds would be available by Friday XXXX or Monday XXXX " at the absolute latest '', presumabley to deter me from going to a different dealership where I could get the funds same day. I have called multiple times for the past week, and could not get returned phone calls or emails from XXXX or the GM, XXXX XXXX. I filed a corporate complaint as well to no avail. XXXX finally began communicating with me on Wednesday XXXX stating that I could come pick up my check, only to call back later stating the check system was down. Today, he has stated that he is working with an accountant to remedy the issue but at this point, it appears they have no intention of remitting the {$1500.00}, even though I have a " we owe '' from the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: CHS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did n't know these were not paid unti after they were in collections I do not recall the dates of service and the bills may have been included in a bankruptcy filing. I tried to set up payment and received on letter then no more communication. Left more than XXXX message.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Southwest Credit Systems, L.P.
State: CT
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:
SOUTHWEST CREDIT SYSTEMS LP has issued a collections to all XXXX credit reporting agencies. I called and when I called they said it was a bill from XXXX XXXX XXXX - this is not possible as I have been a XXXX year client of XXXX XXXX XXXX in good standing. When I asked for more specific information I was passed to XXXX different people - all of whom said it was a XXXX XXXX XXXX bill. When I had said this was not possible and they needed to remove it from my credit report I was told " We understand, but we ca n't do that '' - I insisted they could. I was passed up the food chain and was told the same thing - on the XXXX person I was then told that this was not a XXXX bill, but rather a XXXX bill from over XXXX years ago. I left XXXX years and years and years ago and said I had no bill and could they show me the bill and why were they saying XXXX XXXX XXXX? I then was told that this was fraud and they would sent a packet in the mail - the packet insist I file a police report and supply a substantial amount of documentation. This is all very much not above board - I was given wrong information, given improper information on my rights, they do n't have a bill - How can I file a police report from a bill from over 5 years ago of which no one can get me a copy of said bill? Also, no answer has been given about the XXXX XXXX XXXX bill which is what XXXX of their agents told me prior - lastly, saying " we ca n't do anything on the credit report '' - when they issued it, do n't know what outstanding bill there may or may not be - is very troubling. Only because I knew my rights was this issue escalated and even now - they have no bill and no information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: WELLS FARGO & COMPANY
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have bin into Wells Fargo XXXX separate times To try to close My Account And they have refused Me everytime. They run My High Amount bills First and then Low amounts they have overDrafted Me XXXX! times this way And now they are charging me XXXX $ Service Fees Monthly For a Judgment I have against ME. But that Fee IS Going Into The Banks Pocket And no towards My Debt. After Calling The BBB And About XXXX other Bureaus Getting the run around Again Another XXXX $ Pinged off my accout into the banks Pocket. 
That makes My Grand Total XXXX $ The Bank has just Put into there Pockets And still Refuse To Close My Account. But Still Continue To Charge Me XXXX $ A Month! I 'm Currently Hoping to Either Open a Lawsuite OR Just Have My Account CLOSED. please help! with these Thieving **** **** ***** I 'm At My Wits End With What TO DO and I 'm Tired of them Stealing My Money When I Have Repeatedly Told Them Over And OVER CLOSE MY ACCOUNT. Also Have Received An EMAIL Saying My Account Was CLOSED. YET! they still Take XXXX $ Monthly I am Currently - XXXX $ Account balance first time I tried to Close My Account I was only XXXX $ to wich I deposited Enough to cover My bills But They Hit ME with a XXXX $ Service Fee AGAIN. So all My Bills Overdrafted. They Never Gave Me Any Notice Or Talked to me about it They obviously Know I DONT HAVE THE MONEY. there my BANK. And they just continue to DIG MY HOLE Deeper And Deeper Refusing To Work With Me IN Any Way WHAT SO EVER!

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 monetary relief
Consumer complaint received 2016-03-12
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Washington Federal bank. I do not have any other account with them. I would like to make extra principal payments against my mortgage. I would like to make these extra principal payments online like I do all other payment transactions at other financial institutions. It is convenient and flexible with respect to timing and amount. 

Washington Federal does not allow making payments online against a mortgage account. I do n't understand how a large financial institution can not allow online payments. The only way I can pay down my mortgage principal is to mail in a cheque or to visit a branch. I feel that Washington Federal is purposely making it inconvenient to pay down my mortgage so that they can collect more interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Financial Corporation of America
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Financial Corp. America refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX, I sent a letter to Equifax disputing the XXXX XXXX XXXX account as being outdated information, and to date XX/XX/XXXX I have yet to get a response, In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C.

1681c ] reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of XX/XX/XXXX. 
I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX  XXXX XXXX  Acct # XXXX - This account is inaccurate ; date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and should not be showing as last reported XX/XX/XXXX, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

You keep verifying this information, why is this not being properly investigated? Are you verify incorrect information each time I dispute? 

I want this delete off my account.

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