BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-31
Company: Cooling & Winter LLC
State: GA
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:
Twenty two years ago when I was XXXX XXXX XXXX I signed a Retail Installment Contract with XXXX XXXX XXXX to finance a gym membership with XXXX XXXX XXXX in the amount of {$1000.00}. Four years later my wife was served at our home at XXXX XXXX XXXX XXXX GA XXXX with Civil Action 98-CV-1308 in regards to this unpaid contract. A judgement in this matter was filed on XXXX XXXX, XXXX and my wages were subsequently garnished until the judgment was satisfied in full. Please see the attached documentation showing the garnishment on this matter was satisfied in full on XXXX XXXX, XXXX. I never heard anything further regarding this matter. We were never informed of any liens on our property pertaining to this matter. 

On XXXX XXXX, XXXX I received a letter from XXXX in regards to a judgment in the matter of XXXX XXXX XXXX in the amount of {$770.00}. On XXXX XXXX, XXXX I called and spoke to XXXX XXXX with this firm and discovered that this was the XXXX judgment. I informed him that this judgement has been satisfied twenty years ago when my wages were garnished. I also requested Validation of the Debt and followed up this call with a letter ( see attached ). I never heard anything back from this firm nor received any Debt Validation. 

XXXX XXXX, XXXX I sold my property at XXXX XXXX XXXX and a law firm handled the paperwork pertaining to that transaction. Subsequent to the sale of my property I was contacted by the law firm because they had been contacted by Cooling and Winter regarding an unpaid lien on my property in the amount of {$820.00}. After researching this matter I have discovered that it is in fact in regards to the debt that was collected by XXXX XXXX XXXX and XXXX back in XXXX. After the satisfaction of the debt by garnishing my wages they subsequently filed not one but two liens against my property. One in XXXX and one in XXXX, both on a debt that had been fully satisfied back in XXXX by my wage garnishment. The firm who handled my closing unfortunately paid them the money and are now trying to recollect it from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I show a debt to XXXX/XXXX on my credit report that I know I had insurance for ... so to begin with I called the hospital to verify this unpaid bill. XXXX said that they do not show any unpaid bills for me and instructed me to call the collection agency and ask for a detailed information sheet on this debt so that I can dispute it properly. I first called XXXX collection co ( XXXX ) which was very pleasant and professional, the lady on the phone said no problem we need to send for that information and when we get it we will forward it on to you. THEN I phoned ARMADA corp ( XXXX )., let me tell you they are unprofessional clowns. I first was transferred at least four times before reaching the GEM of an agent that I did .... I did not get her name but she is working out of their XXXX, Wa office and XXXX is the supervisor. I asked for the same detailed list from them and they acted like it was near impossible, finally she said that I would have to submit a letter to them in writing requesting this information, I explained to her and several other employees of XXXX that it is their job to prove this debt and that I was requesting it by phone and she said she would " see what I can do '' which is not acceptable so I requested to speak to her supervisor who was conveniently unavailable and then she hung up on me. I called back and spoke to a different person in the same office who said that the first lady that I just spoke with was now UNAVALIABLE. I again expressed my desire to dispute this debt and that I was requesting this formally NOW on the recorded phone line. I was finally told that XXXX would have to call me the following day which is today ( XXXX/XXXX/2016 ) and I received no call from Anyone at 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 2016-04-19
Company: Debt Management Holdings LLC
State: ND
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving phone call from a debt collector stating that I owe on a account that I is paid and closed. according to my credit report and contact with the credit card company. they have refused to send me a copy of the debt they say I owe and when I ask for their info. they get hostile and hang up on me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
For some reason my account was out of no where placed inactive whenever I call it gives my available balance nothing else I've called and spent days on the phone to get no answers Why is this happening how do i fix it why wasn't I warned or asked if additional info was needed im.confused and noone will help me. 

At least send my balance in check im over this

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 2015-07-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My clients home is up for foreclosure sale on Tuesday XX/XX/XXXX ( THIS TUESDAY ). It is on the court 's docket. 
The loan apparently transferred servicing from XXXX XXXX XXXX to SPS effective Wednesday XXXX ( tw days ago ). 
We are unable to dicover the status of loss mitigation application as XXXX XXXX XXXX can not open their records due to the transfer and SLS has no record of it in there system per my call this afternoon! 

Attached are the serviving violation detailed specifically. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my house through Quicken Services in 2005 and noticed that the amount of interest paid monthly was the same even though I was paying on the principal even after several years. They explained that this was normal. 
I later discovered that this was an interest loan that is generally targeted towards wealthy people who make over XXXX a year. 
I did not want this kind of loan since I have never made this kind of money and now I am told through my legal insurance that these thieves made this the norm and walked away with the blessing of the banking industry. Regardless of the fines that these people supposedly paid I have yet to see any of that money or compensation for their dishonesty. 
I am a military veteran with over 40 plus years working in XXXX and I do not make that much money. Please help. 
I am attaching the loan document from Quicken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have mortgage loan with Select Portfolio Loan Servicing or SPS. They had bought my loan from XXXX while it was in the process of a modification. It has been almost 4 years since and my modification keeps being denied on the basis of my self-employment income -- income which they have miscalculated each time. A different income is calculated even when I submit the same income information for my modification. 

When I finally got XXXX involved to help me, this miscalculation did not stop. As recently as this past XXXX, XXXX had calculated my income to be at 22 % in terms of my expenses ; yet again, my modification is denied due to income calculation. This has been my second denial with XXXX 's help. I just do n't know what to do anymore with SPS. I am trying to keep my home but they are trying to kick out of home. Please help me! 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I began a Mortage modification on XX/XX/XXXX. SPS continued losing documents and did not send a letter confirming having recieved all the documentation until XXXX XXXX. SPS did a property evaluation in XXXX, XXXX XXXX and XXXX. In XXXX they sent a letter stating that I withdrew the request on XX/XX/XXXX which is incorrtect. SPS claimed that they were going to excellerate the modification several times due to their error. The error of not prorperly precessing the modification. SPS did nothing but require me to resubmit an entire package again. SPS is delaying the modification thus forcing the boworroer to pay higher interest than with a modification in place. The borrower has been forced to accumulate high interest cost due to the slow modification process and SPS inabilty to contact the owner and inform him of modification availible for investment property in a timely manner. These factores have eroded the equity the owner had in his property and gavin it to the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: BB&T CORPORATION
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I got an auto loan via Regional Acceptance in XX/XX/2011 for a vehiclecosting 25,000 and after 3 and a half years of payments, theprinciple on the loan has only dropped {$5000.00} after paying $ 600a month

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Account Holder Very Concerned, the Union Bank Mal-Purposefully Tweaking, the Account Holder 's Credit Card Payment Schedule, to Wait Until the Account Balance Exhausted, Conducting the Bill Payment, and Incurring Un-Reasonable NSF Fees. 

( Mal-Intentionally NSF Fee Charging, the Account Holder. ) Problem Bank : Union Bank. 
www.unionbank.com -- Account Holder : XXXX.XXXX. ( SS # : 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 monetary relief
Consumer complaint received 2016-08-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been off work with a broken heel and got behind on my account and these people send me a letter every day.They had a guy come to my house twice now after I told them it would be current by XXXX/XXXX/2016. And i called them again and they told me it will continue until current even though we have a arrangement. They call 4-6 times a day and send letters everyday. The guy handed a visitor at my house a letter yesterday and said will you give this to someone at home did n't ask who the person was or anything just handed her a letter not even in envolpe. it is nothing more than harrasment. I needs to stop .We have called and made arrangements but they just wont quit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had my mortgage with XXXX XXXX XXXX in which my regular mortgage payment and escrow to pay property taxes and homeowner 's insurance was included, the amount was {$1300.00}. The loan was transferred to Select Portfolio Servicing and even-tough my property taxes and homeowner 's insurance have not increased, Select Portfolio Servicing has increased the escrow amount to an additional {$53.00} a month making my total monthly payment to XXXX. I find this very unfair and abusive.

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: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a loan modification with select portfolio who is my mortgage company.. we were approved for a modification however the amount that we are being charged is outrageous, we currently owe XXXX dollars and the terms of the modification increases the note to XXXX dollars. we contacted the company and were basically told " take it or leave it '' We were led to believe that we applied for a modification to improve our circumstances not worsen them. We were given a timeline of XX/XX/XXXX to either accept or decline the offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm filing a complaint against XXXX XXXX XXXX who actions have been deceptive, unfair, misleading and in violation of a federal consumer protection laws & regulation. XXXX XXXX XXXX  foreclosed on my property ( XXXX XXXX XXXX, XXXX, PA XXXX ) without having an authentic promissory note, the Pooling and Servicing agreements including documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to XXXX XXXX XXXX , XXXX XXXX, as XXXX for XXXX XXXX XXXX XXXX. Asset-Backed Pass- Through Certificates XXXX XXXX, & all Notes that should have been properly indorsed each time they were transferred. In contradiction, the XXXX XXXX XXXX XXXX  XXXX Trustee indenture would have expired on XX/XX/XXXX when the foreclosure action was initiated. Moreover, the XX/XX/XXXX mortgage assignment both " Assignor '' & " Assignee '' all shared the same address of the mortgage servicer which was c/o Ocwen Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TD BANK US HOLDING COMPANY
State: MN
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get help from Select Portforlio 's loss mitigation department unsuccessfully. I fell behind on my mortgage payments and requested a loan modification or any useful method to avoid foreclosure. Unfortunately, SPS has not reviewed my updated loan modification request without bias.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Was told I could be helped to refinance my property. I was never ever late but facing overwhelming debt and taxes owed by ex spouse and and SPS services left me facing worse situation. They told me to switch my bank loan to them which was perfect credit and then promised to help me.. SPS told me I had to miss a payment so I would go into foreclosure so they could continue to help me..but the reason I even applied for help was to avoid foreclosure!! I was trying to avoid foreclosure as they promised they could lower my payments. I thought it was awful they told me to miss a payment.. Even though I had never been late.. 2years of XXXX with them caused me to lose a rental property I had since 2002 for retirement income as SPS as I am close to XXXX ... I needed the property income. They made the situation worse, my renter moved out and nobody wanted to move into a property that now was possibly going into foreclosure!! and so then to try to save my credit I desperately had to try to sell the property and even when I found a CASH buyer to buy full price they waited 4 months and finally let me sell after pleading with them to please take the offer. They did but only after charging me tbousNds and thousands of dollars to them! I never got ANY help just pure XXXX!!!! The address listed is the property address that was sold. I never got the help they offered only a lost rental for income and had to pay them thousands at the end!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: CA
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 have disputed personal information that is incorrect on my credit report with experian they have declined to corrected, In addition, I have disputed a collection being reported under the credit file maintain under my social security number with Experian and also requested their Method of Verification and deny to provide me that and deny to investigate further.

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 2016-06-14
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Borrower received a permanent modification offer. It was received via email on XXXX/XXXX/2016 from the bank 's attorney, XXXX XXXX XXXX at XXXX, XXXX, XXXX XXXX. The borrower came in on XXXX/XXXX/2016 to sign and notarize the documents. On that day, I, XXXX, contacted both Caliber Home Loans, and the attorney 's office in an attempt to collect the label that, in the documents, was supposed to be attached. In my conversation with XXXX, I was given the address to MAIL the documents to, and was assured that it would be " okay '' if the documents got there late. The attorney did not respond to me until XXXX/XXXX/2016, XXXX week later. She attached the mailing label in that email, but, per my discussion with Caliber on XXXX/XXXX/2016, I sent the documents via USPS. The borrower called to make XX/XX/XXXX payment and was told that the case was " closed '' and that the borrower needed to reapply for a modification, as the documents were received after the due date. The documents were not received by Caliber until XXXX/XXXX/2016, and they were due XXXX/XXXX/2016, the date that the lawyer 's office sent the label. Please see attached. I escalated the case on XXXX/XXXX/2016 through Caliber, and was informed today, XXXX/XXXX/2016, that they stick to their decision to close the case and the borrower needs to reapply.

Company response to consumer: Closed with explanation