BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted Select Portfolio Services several times over the last 2 years to find out if we would qualify for a loan modification, due to financial hardship from house repairs and other unexpected expenses. I was unable to make a full payment every month, yet they would not take partial payments. I provided all the documentation ( so I thought ) to them, over a year and a half ago. We then filed a personal bankruptcy in XXXX XXXX to help get us back on track, which did help, but we were still unable to pay the mortgage. We did not include the mortgage in the bankruptcy because we were still waiting to hear regarding the modification. In that 6 months prior to the bankruptcy, SPS asked for additional information ( some of which I had already provided ). After the bankruptcy, they continued to say they needed updated information, new signed docs, new hardship letters, etc. 
This continued for all of XXXX. While they still had n't approved or disapproved me, they referred my account to a legal team to move forward with a foreclosure. Luckily there is no sale date yet, however, they did finally get back to me stating that I was not approved. While they base it on your gross income, they decided we made enough money to be able to pay the loan. 
Well, we do n't with all the expenses and still trying to pay off loans for house repairs. Then they said I did n't make enough money, however, to qualify for the repayment option. So, it took them almost 2 years to tell me that. Now, I am in complete default, so no one will lend me any money, and if I want to keep my house, I will have to file Chapter XXXX so that means legal fees that I do n't have and they will put me on a repayment plan that I ca n't really afford. 
Oh, but if I can come up with at least $ XXXX, they will reinstate my mortgage. 
What a bunch of XXXX! After letters, upon letters, upon letters, stating how much they want to be able to help you. " There may still be something you can do. '' Yeah, you can put me off for almost 2 years so that you can just move ahead with the foreclosure you knew you were going to move forward with anyway! Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CNG HOLDINGS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was contacted multiple times by this company demanding payments that were incorrect I have also submitted in writing disputing the amount this company and XXXX XXXX XXXX were both sued multiple times for overcharging customers false advertisement and incorrect billing they also have been alerted multiple times to the XXXX XXXX XXXX  and have a alert placed On their company and there was a class action lawsuit that I wasnt was not aware about until now. My fianc has passed away and I need everything to repair my credit and this is the only creditor that has yet to resolve this issue I would like to have this removed from my credit report due to incorrect in overcharged fees and harassment Attached is proof of the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: AR
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home in 2002 and I have been experiencing major problems with trying to modify my home loan after I was laid off of my job. I have submitted documents over and over again to get a modification, but I was denied time and time again. Please help me with getting a loan modification because I know I will have another foreclosure date next month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
At XXXX on XX/XX/XXXX a text was sent to my phone from Capital One bank stating " We received a wire transfer request... If you didn't request this, call Capital One immediately ''. I saw this at XXXX and called immediately, to be told that they didn't open until XXXX and for me to call back. The account is a XXXX account that has very little activity. NEVER a wire transfer. When I reached someone at XXXX, I was told the wire had gone out to XXXX XXXX . I told them it was not authorized. I was forwarded around to several departments and was put on hold anywhere from 23 minutes to 66 minutes each time I was transferred. I was told I must have my devices " cleaned ''. I did that, for {$300.00} - to find that I had no breaches and my device was not even used on XX/XX/XXXX. Capital One insisted that someone sitting at my desktop in my home requested this transfer in the middle of the night, so they will not refund my lost funds. This simply didn't happen. It is more likely my personal information was compromised during Capital One 's breach in XXXX I have continued to call for updates, and continue to be transferred around and put on hold. Capital One allowed a suspicious wire transfer to leave my account and apparently has no procedures in place to prevent such fraud. I wasn't even contacted for authorization. It is becoming clear that their strategy is to continue to pass my call around and put me on hold, hoping I will eventually go away, and forget about the thousands of dollars of my money the bank lost due to sloppy procedures and poor fraud alert technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX  2023, I opened 2 online account via Citibank online, transferring XXXX and XXXX respectively to checking and savings accounts, waited 5 days for the funds to clear and then tried to create 2 Certificate of deposits to 90 days and 30 days, which I Attempted to fund but was unable to fund for some unknown technical reason. I called Costumer service and someone explained that those CD were faulty and were going to disappear after a few days and he created another for XXXX which was to be funded in 5 days, he also transferred all the monies in the savings XXXX back to checking. On XX/XX/XXXX, I intended to complete all the features of checking account and created a XXXX XXXX to myself and attempted to transfer back XXXX to my XXXX account, at this time I got locked out of the account, claiming security reasons. I spent 2 hours on the phone and was able to unlock. Next morning, Friday XX/XX/XXXX I attempted to log in and was completely blocked again, I called and was informed that the accounts were in process of being closed and it would take 6o days to get a check in the mail. I went in person to a nearby branch and Costumer service XXXX XXXX attempted to unblock the accounts unsuccessfully and online Security and Fraud Prevention dept were unable to give a reason for the closing or a legal basis for not disbursing the funds immediately. 
Manager, XXXX XXXX intervened and after a 3 HOURS was able to unblock and I was instructed to create a new username and password, issuing a temporary ATM. We verified that it was unblocked at the bank. I received an email from Citibank indicating all was good and the attempted XXXX transferred funds to my XXXX account was released. 
This morning Sat XX/XX/XXXX, I attempted to access my accounts and I am again blocked, I called the number indicated and they claim no know nothing of the reason. 
At this time they are holding XXXX in a 9 month CD, a credit card I had for 7 years and XXXX in a checking account. I am unable to access my accounts or get information about it.

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 2020-10-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recieved my first email from LVNV on XX/XX/2020 requesting attention be given to a credit card account that I was unable to pay due to being unemployed. I remember thinking, how unprofessional it was to request payment be made for a debt at the very time COVID had started to affect employment, causing employers to shut down and stay in place orders were in place. At that time I was recieving only Welfare as income and food stamps as food. LVNV continued to contact via email at least once a week to place their payment before the immediate needs of what the pandemic had already caused. Statements such as Fullfill your obligation, resolve your responsibility, if you take care of matters now, then you can get back to what matters, just to name a few. The following is a list of dates this year 2020, that I recieved emails into my personal email account from LVNV, from the very first to current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have all emails sent from company and can forward if needed. Initial person of contact was XXXX XXXX, the XXXX XXXX, now its been consistently XXXX XXXX. I jus strongly feel this company have been extremely inappropriate to contact as much and say the things they do to collect a credit card debt when the main global concern at this time is COVID-19 deaths and continued loss of employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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:
I have a company that is reporting {$84.00} in collections on my credit report and it has drop my score from a XXXX to XXXX. I have no idea who or what this company is. I reached out to the company and they keep transferring me to a music hold machine. The company is also listed on XXXX XXXX XXXX as a fraudulent company. The company name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Continental Finance Company, LLC
State: AL
Product: Credit card
Issue: Delinquent account

Complaint:
I was contacted by phone by XXXX. I returned their phone call and was transferred to XXXX. When I asked what the call was in reference to he explained a debt with Continental Finance for a credit debt of {$730.00}. He claims a letter was sent to me and a response had not been received. I explained I did not receive a letter. He stated no return mail was received by them. I asked if he could send me something in writing and he declined to do so and said they were just giving me a courtesy call and were not obligated to. I asked again if they could send me something because I didnt receive the initial information. He asked about my email and I told him I had n't received anything at the email in a long time. He said that payment was required now and they were n't going to wait any longer because it 's been 8 months. He then hung up on me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Law Offices of Robert J. Colclough, III
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do n't think I chose the correct issue above, however I think it is closest to my issue. I have a record on my credit report that I have disputed through both the company and the credit bureaus. The dispute is marked as being disputed by me on my report, but it was not removed despite the creditor not sending me verification of this debt. I do not even know what this debt is for. I have tried contacting the collection agency by mail to obtain verification with no response and they will not remove the item from my report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had taken out a payday loan of {$5000.00} on XX/XX/XXXX and during that time had undergone a several financial setbacks due to a family death and housing situation. Both my wife and I had a XXXX in XXXX XXXX and had to have XXXX in XXXX XXXX. My wife and I are on fixed incomes and have struggled to get back on our feet. We also had to vacate our rental property due to our landlord short selling his home in XXXX XXXX and had undergone a major move the year before in XXXX XXXX. I had to reach out to XXXX XXXX XXXX XXXX for some financial help, but fell behind in my household bills and had to join a debt consolidation company to help with our bills and the calls. The account in question was charged off {$4400.00} and I had not heard from anyone until now. I have received a call from a third party collection company called XXXX XXXX XXXX XXXX. The telephone number is XXXX. Their is a case file number XXXX. The individual that called was XXXX XXXX, who called to threaten me with legal action and has called all my relatives and family members by their cell phone numbers. He has been very abusive, arrogant, demanding, and has belittled me with saying that I have not paid my debts and seem to be some kind of monster. I tried to explain the circumstances and he just blew me off with an uncaring attitude and started to run his mouth, threaten, using abusive language and I had to finally had to hang up on this guy. I finally had to call the Fair Debt Collection Act for consumers and they told me to file a complaint on the company and this his guys threatening and abusive tactics. Please feel free to contact me for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
Transunion, XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX nor Transunion written permission to furnish these accounts. 
Removed the accounts or look forward to future litigation.thank you. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account # XXXX XXXX XXXX XXXX I have called the creditor ; SYNCB/WALM at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time ; never a late payment 2. The age of the account 3. The account is closed 4. Shows account status as " Paid Satisfactory '' After XX/XX/2018 there is NA payment history, the account is closed. Please remove from credit reports.

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 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested to have PMI cancelled. 

I received an email from XXXX XXXX with language attached that applied to refinancing. The language hes using does not apply to PMI cancellation as to what the original value means. 

Hes using apple language and the requirements from my investor for canceling PMI for original value is not the same.

Why is Bank of America continuing to put up road blocks to hold onto canceling PMI.

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 2022-09-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a Wells Fargo Bank customer since XXXX, I hold two accounts with them ( checking and savings ), this year I received a letter dated XX/XX/XXXX indicating that I need to provide explanation about an inconsistency between my passport and citizenship in order to avoid closure on the accounts. I am a XXXX  citizen and a U.S. Legal Permanent Resident with legal domicile in the U.S. ; My passport clearly states that I am XXXX, by mistake Wells Fargo enters my citizenship in their system as U.S. Citizen and that generates the inconsistency. 

On XX/XX/XXXX, I approach my branch in order to sort the issue by presenting all the required documents, the banks representative XXXX XXXX XXXX updates the information and assures that everything has been clarified and proceeds to issue a written conformity of my visit that day. 

On XX/XX/XXXX Wells Fargo closes both of my accounts based on a non-compliance on their customer ID policy ( CIP ) and leaves me without access to the only money I have. I do not have credit cards nor accounts with other banks. I am currently unemployed and the only source of income is the savings that I have on both accounts. 
On XX/XX/XXXX I approach my branch to request explanation and the branch XXXX XXXX XXXX XXXX recognizes bank error due to the fact that I was able to clarify the issue back on XX/XX/XXXX. 

Immediately, another bank representative, XXXX XXXX XXXX issues a request to reopen both accounts and provides me with a personalized letter indicating that the accounts were closed by the bank in order to present to my creditors ( landlord and other bills ). The branch XXXX, XXXX XXXX orders to open a complaint case on my behalf that reaches their resolution department on XX/XX/XXXX. 

The case reaches bank XXXX XXXX XXXX XXXX in the resolution department, he communicates that it can take up to 10 business days or more to investigate my case, later and after several calls from the branch Manager trying to expedite the resolution. 
On XX/XX/XXXX, my case is transferred to XXXX XXXX XXXX a resolution department XXXX, she indicates through email that my case will be resolved by XX/XX/XXXX.

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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX these accounts have 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 instruction. 

XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX

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 2022-04-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citibank is failed to show proof that they paid the merchant and because of nonpayment from Citibank the merchant canceled my subscription. And which Citibank is not giving any assistance on showing that they have paid the merchant. Which Ive already paid city bank and full for my part but city will not release or show any routing number that they did their part to pay the merchant.

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