BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been working with SPS since XXXX XXXX on the short sale. They have repeatedly delayed the file and we have lost numerous buyers. We had an offer in XXXX for {$250000.00} - even though the value was only {$240000.00} they countered the buyer. The buyer finally walked in XXXX XXXX just as the bank issued a short sale approval letter. We relisted from XXXX until XXXX when we received an offer for {$230000.00}. SPS rejected the offer. We relisted and obtained and submitted an offer in XXXX XXXX for {$240000.00} - the actual value of the home, per SPS. 
Today SPS has countered the buyer, advising they require a NET of 95 % of the appraised value. In a short sale the bank ( SPS ) is legally obligated to pay the realtor commission, transfer tax and title insurance. This means unless the buyer pays SUBSTANTIALLY over market value for the home there is no way to get them 95 % of the value as their NET. This is another attempt for SPS to force my client into foreclosure. My client is a double amputee and is wheelchair bound - he can not live in this two story house. This is the second CFPB complaint against SPS on this particular file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX 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

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 2016-08-04
Company: ERC
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 is not mine

Complaint:
Employee at XXXX said that I did not owe a fee since I paid XXXX months fee as well as last months fee upfront when I first signed up. I cancelled the actual membership in the gym and they said I did not owe anything after that. Now I owe {$70.00} dollars which I never received a letter in the mail saying that is what I owe so that I could dispute it. This gym is just trying to scam me with nonsense fees that I was not even aware of because of lack of knowledge from employees. I have a good credit score from all the years that I 've made payments at the right time. This is not a debt that I owe. The gym shut down so there is no way of me contacting someone with this issue. Now the debt collector is starting to call my place of work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Advertising and marketing

Complaint:
I currently am in posession of a Capital One Visa Card, I was given a promotional rate at some point and month after month I could not find on my statement when the promotional rate expired. I got busy and forgot about it. I finally received something in the mail in XXXX that alerted me it would expire in XXXX. I began doing research on other cards in hopes of transferring the balance for a lower or 0 % rate. I was able to find XXXX, unfortunately another Capital One card but XXXX not XXXX. The main screen I used to compare did not reference any limitations on balance transfers, nor on the information I received with my new card. I called Capital One and they told me to do a " search '' on their site for " balance transfers '', only then did it state you could not transfer to another Capital One card. I believe this is very deceptive in their advertising and while the information was available it was not in any of the disclosures I received or in the " compare '' screens. I am now left with a hefty APR and trying to find another card to transfer to. My complaint involves APR, Rate, Balance Transfer as well as Advertising and Marketing. While I have not valued what I will lose in interest charges yet, I do plan on coming to an amount that will be less than satisfying given 22 % on a balance of {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
this is not sent in error. I am consumer that abides by the law. My information was used without my permission. I never authorized anything and now i have accounts that are inaccurate on my credit repport

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
Currently work is going to cut my hours. I work for a general contractor and we didnt expect it to get slow. Nobody does. I called capital one since they are my credit card provider for XXXX accounts and let them know. I basically wanted some type of help. The only program they offered me was for 3 months they would waive my fees, but interest will still accumulate. The only advantage to the program is if I paid my payment late I would not get a late fee, but everything would still be reported to the credit bureau that I was past due and they will still be racking up on all the interest. I then asked to speak to a supervisor whos name was XXXX and his advice basically was let the account go past due and give us a call to see what we can offer you then. I am not sure whether this was legal or not, but it did not make since. I have been a loyal customer to them for 5 years and when I needed help it was basically do not pay, rack up fees and interest, and then we will help you. When I questioned XXXX on the fact he told me let your account go past due and then we will be able to offer you programs I was a little upset. Here I am trying to avoid not making payments, trying to work something out with them, and most importantly let it effect my credit and he did nothing to help nor at least empathize with me. We all struggle of course, but being a loyal customer to them I expected better help. I would have never thought to report capital one and I thought about it last night, but it just did not seem right to me. If I am trying to work something out so they see payments coming in I expected there help back instead of just trying to suck out fees from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NJ
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 check my credit report and noticed that there were inquiries that I never consented to or did I ever benefit from them in any shape or form. I was told my information was leaked in a data breach with Equifax and XXXX XXXX recently as well. This keeps occurring with random inquiries popping on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I tried to get XXXX service, after they came to try and install nothing was working and we were told we needed someone to come out to do additional wiring. The day they were supposed to come nobody came so I called and was told someone would come the next week but they did n't show up either. Then I called back and was told I have to wait till the Spring for ground work or something. I called again and they finally got someone to come out. The technician came and said I can not have XXXX service because the signal was too weak in my condo unit. I was told either I have a new wire run ( more holes drilled into building ) or I use their legacy service. Well my landlord will not allow any more holes so I decided to stay with XXXX and not XXXX and closed my account. They told me my bill would be adjusted once I returned the boxes and remotes. I returned the equipment and was still billed for internet and cable TV service. I 've called 5 times to have the bill adjusted and I went IN PERSON to the XXXX office. I even got the name of an employee who said to follow up with him in email. He replied and said he was still trying and has not since returned ANY of my messages. The bill is in collections and the collection agency wo n't drop the bill unless XXXX tells them to. {$770.00} and it 's lowered my score quite a bit since it 's not very old. I need this removed ASAP what can I do?

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 
1 ) XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX XXXX Account # XXXX 3 ) XXXX XXXX Account Number : XXXX 4 ) XXXX  XXXX Bankruptcy Case Number : XXXX 5 ) XXXX  XXXX Bankruptcy Case Number : XXXX 6 ) XXXX  XXXX Bankruptcy Case Number : XXXX 7 ) XXXX XXXX  Account Number : XXXX 8 ) XXXX XXXX XXXX Account Number : XXXX 9 ) XXXX Account Number : XXXX 10 ) XXXX XXXX  Account Number : XXXX 11 ) SOC SEC ADMIN OFFICE O Account Number : XXXX 12 ) XXXX XXXX XXXX Account # XXXX 13 ) XXXX XXXX account # XXXX 14 ) XXXX XXXX acct # XXXX 15 ) XXXX XXXX XXXXXXXX partial account # XXXX 16 ) XXXX XXXX XXXX XXXX partial 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have 2 issues with BBVA Compass Bank. 1 ) They failed to pay my homeowners insurance in a timely matter. Insurance was due XX/XX/XXXX and not paid until XX/XX/XXXX.We advised BBVA Compass the first payment was not received. Upon receipt of the copy, they did not include any identifying information. After 3 weeks of dispute, BBVA Compass finally issued a 2nd payment on XX/XX/XXXX. We were being held responsible for the 2nd payment. 2 ) After being told not to worry about a hit on my credit if the XXXX payment was received on XX/XX/XXXX, I took a hit on my credit. My wife and I were told as long as we closed by XX/XX/XXXX, XXXX Mortgage could not mark our credit. We were told we had 45-60 days to get the payment to them without penalty. XXXX gave me this information. XXXX Mortgage did mark our credit as a late payment for both XXXX and XXXX. I called XXXX Mortgage on XX/XX/XXXX with no response. After making attempts through the credit bureaus, as instructed by BBVA Compass - XXXX - and being denied, we again went to BBVA Compass and requested a letter after finally hearing from XXXX of XXXX Mortgage on XX/XX/XXXX. XXXX now does not recall saying anything about closing by XX/XX/XXXX but does admit that we were told XXXX Mortgage could not, by law, mark our credit for 45-60 days. He " recalls '' that another coworker, XXXX, told us this. Totally untrue. It was 100 % XXXX that told us both pieces of information. We requested a letter XX/XX/XXXX from BBVA Compass via XXXX. Indications were it would not be an issue. We received the letter on XX/XX/XXXX. In the letter, BBVA Compass put the blame back on us in the letter. We sent the letter to XXXX of XXXX Mortgage to see if the late payment would be removed. On XX/XX/XXXX, XXXX Mortgage denied making changes due to the information in the letter from BBVA Compass. A change to the letter was denied by XX/XX/XXXX and they have not given reason as to why. Information provided by XX/XX/XXXX was, as we have now been told by BBVA Compass, was incorrect. We acted on that information. BBVA Compass is now denying that information was given to us even though it was admitted that we were told XXXX Mortgage could not mark our credit. WE WANT THIS REMOVED FROM OUR CREDIT!! We have no other late payments. We create a bill, we pay our bill. BBVA Compass has a responsibility due to misleading practices and negligent supervision for XXXX. I have requested contact from the CEO as well. We are going on 10 days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: U.S. BANCORP
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 information incorrect

Complaint:
I have tried to fix this with US Bank 4 times now! I report the error, they remove it and put it right back on!! Last year because of Covid I was unemployed for almost 2 years. I requested and received a 6 month extension. After 6 months my employer closed permanently, so I still was not working and to prove it to US Bank that I wasnt even on unemployment I offered to send them documentation WHICH THEY REFUSED. Yet they also denied my request for an additional 6 month extension even though it was illegal to do so! I then went to a Supervisor to demand my rights for an additional extension and for the credit law be followed and even though they said they were giving me the additional extension and did not contact me for payment for the next six months THEY REPORTED OT TO MY CREDIT. This violates the law during Covid and this was documented with them! I offered them paper documentation! And now although my lease is completely paid off and they actually owe me over {$1000.00} refund they are reporting me in arrears! I WANT THIS CORRECT IMMEDIATELY! Their service is deplorable and their account keeping is even worse!! I actually think they do this on purpose because they are a substandard lender and they are taking advantage of the people they loan to. Any investigation I am eligible to have them investigated through or any legal action against them I am eligible for I would like to be notified of. This will now be the 5th time I have told US Bank that this is incorrect and the 5th time that I have filed a formal complaint and the 5th time they have ignored the law. There are literally thousands & thousands of people having the same problem with U.S. Bank on the internet!!! I would like this corrected or I would like to know my to legal action! Why are you allowing them to break the law?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had an existing loan with CCO Mortgage ( https : //www.citizensone.com ). They have repeated ignored my attempts to refinance my mortgage. My interest rate is so high ( 8.125 % ) and it is causing stress on my monthly finances. They do not want to touch my loan b/c they are getting such a good deal for the bank. The loan was taken out in 2005 and is a XXXX trust. All they tell me is they ca n't help me b/c it 's a XXXX loan. They are not helpful and they do not ever try to assist me in my re-fi efforts. I have tried to combine my XXXX and XXXX trust loans with them but they still do not call me back or offer any guidance. I would like to report them for being abusive with an existing customer and taking advantage of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
There is a class action suit going on at this time - but my situation is after the time period that the lawsuit is for. XXXX v. PNC Bank, N.A., well this settlement settled nothing. PNC is still continuing their practice! I ca n't file in the suit since this is happening to me NOW. I have been dealing with PNC for 2 months now. Our area just got mapped as a flood zone ( XXXX XXXX ). I was notified that I had to purchase flood ins for the VALUE of house. I contacted the XXXX county tax area - my home structure is worth {$160000.00}. My balance is {$210000.00}. I purchased insurance for $ XXXX-more than the value ( there first letter stated that I needed to purchase flood insurance for the value of the structure ). I notified PNC - have copies of letters, faxes, contact people names. I was told they would look into value and notify me by mail on XXXX XXXX, per XXXX XXXX, Loan Support Analyst, XXXX XXXX - Flood Servicing, XXXX XXXX XXXX XXXX, PNC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( p ) XXXX | ( f ) XXXX. I received a letter today, XXXX XXXX, 2016 - acting like I have totally ignored them -and they purchased additional insurance of {$23000.00}, which is more than the value of the home OR MY balance! Charging me {$140.00} - I have already paid out {$450.00} additional monies over my homeowners insurance for this special flood insurance. PNC is TERRIBLE to work with - I just keep getting transferred to one dept to another dept - the rep telling me - they do n't handle my issue. I have spent so much time on the phone and on letters and emails. I am totally frustrated. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a 3 year member of USAA bank as a military spouse for my XXXX husband. I use my account for simple, basic accounting purposes including receiving my social security check and basic purchases at local food stores and shopping centers such as XXXX My card was declined for the first time on XX/XX/2021. When I called USAA 's customer support service line I was informed my savings account was closed and a check was being sent to me, my checking account was restricted to credit only and was in the process of being closed and this was due to bank manager discretion with no reason available and no available contact for the personnel responsible. I tried numerous customer support lines, none to help. I had two bills due on XX/XX/2021 that auto draft out of the checking account that were now unable to pay. I received no explanation for the sudden cancellation of my policy. This has created tremendous negative downstream effects and is subjectively discriminatory with no explanation given. I am now unable to receive my monthly social security check despite me immediately trying to resolve this issue and obtain a new checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit report shows VA XXXX XXXX from an original date of 2006. My wife did n't live in VA and I do n't owe this money to the state, I have mailed validation letters to the address on the credit report for VA XXXX and the post office returned it stating not able to deliver address not found. So how can they verify this and leave it on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 put in dispute with credit reporting agencies and one removed accounts from consumer report and others didn't and pursuant to 15 usc 1681c ( f ) it states that the credit agencies shall include the facts in each consumer report meaning that if one consumer reporting agency removed the accounts it shall be removed from other credit reporting agencies. Also I never give them purposes my written instructions to furnish these accounts pursuant to 15 usc 16881b ( a ) ( 2 ) clearly states that the consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. If I never gave them my written instructions to furnish these accounts they never were to be on my consumer report. Referencing to 15 usc 1681n any person who willfully fails to comply with any requirement imposed with the respect to the consumer is civil liability for {$1000.00} per action. Referencing to 15 usc 1611 ( 3 ) whoever willfully and knowingly fails to comply with any requirements imposed under this subchapter shall be fined not more than {$5000.00} or imprisoned not more than one year, or both

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief