BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We received a permanent modification yesterday XXXX/XXXX/XXXX from Select Portfolio servicing with terms that was different from the previous servicer XXXX. We initially was approved for a trial modification with three timely payments from XXXX. During the process were assured by XXXX that once we met all the requirements by making all three payments on time, then we would be given a permanent modification with no balloon payments. Our 1st payment was completed on XXXX/XXXX/XXXX with XXXX. Immediately after making the 1st payment, XXXX transferred the rest of the loan modification process to select portfolio servicing. The XXXX told us that transfer is the right of the Investor. Our Investor is XXXX with XXXX as trustee. XXXX promised us that nothing will change with the new servicer and that they will forward all details of the approved to select portfolio and select portfolio is to follow everything done in agreement between us and XXXX. We were stunned to learn of a balloon payment of {$550000.00} due with accrued interest at the end of the maturity date. added to the final documents. This is not what we were promised by XXXX That is who we made our first payment with thereby agreeing to the rest of the trial period which we completely successfully. CFPB needs to carefully look into this and direct this lenders/Investors to stop breaking these laws that are still in effect to protect us consumers. The terms of the permanent loan modification is only 19years that they gave us. WHY? Is this a loan modification or some type of gimmick. why a balloon payment and moreover accruing interest. This is just to prevent us from enjoying all the benefits of home ownership and to leave something to our children a legacy. See attached documents when areas I have highlighted with side notes. Thank you for your immediate intervention. The new modification expires in 15 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would post within a day or  two, but  then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporting company, t hat one of my payments had been listed as default of 30 or more days. I find it extremely odd that they would wait until a year or more later to change m y credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SELECT PORTFOLIO RECOVERY SERVICING claim they want to foreclose on my property. 
To date they have yet to show that they are the originator on my mortgage. 
The original refinance was with XXXX XXXX XXXX who closed my account and the insurance paid for the loan. To my knowledge XXXX XXXX XXXX sold the mortgage as stock. 
XXXX XXXX XXXX also sold the collection to SELECT PORTFOLIO RECOVERY SERVICING -How can they sell my property as stock and mortgage at the same time??? 
-If it 's sold as XXXX and SELECT PORTFOLIO RECOVERY SERVICING claim to hold the mortgage on my property?? 
-SELECT PORTFOLIO RECOVERY SERVICING also has not answer my letters proving they hold right to force me to pay a mortgage. 
-In addition, SELECT PORTFOLIO RECOVERY SERVICING made back payment to themselves from my escrow account. I would like to know if it 's legal for them to use my escrow account to back pay themselves for collection payment on my mortgage. This happen while I was was renegotiating my loan with XXXX XXXX XXXX. From 2009 to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: BSI Financial Holdings, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When the CARES ACT was passed ; our current mortgage holder ; BSI Financial offered a COVID deferment opportunity. I was on a furlough salary reduction so my wife and I called, asked for the details, and then asked if we could apply. 

They told me that it would be for 6 months, interest-free, and in the end, we could pay the balance in full or have it added to the back end of the mortgage. 

We were good with those terms and asked if we could apply ; to which I was informed on the call that they didn't need any paperwork ; that it is automatically approved. I was told that they would reach out in XXXX to discuss the plans when the deferment was over. They did not.

We called multiple times in XXXX and eventually got someone on the phone. Our direct contact ( have had 4 different contacts ) never called back. They told us we had to refi with them for the balance of the outstanding debt XXXX XXXX XXXX, that we may not be approved, and that interest was accruing. 
We asked to start that process in XXXX of XXXX ' and have yet to get someone on the phone to update us on the status. 
We have made our full monthly payment in XXXX, XXXX, XXXX, and XXXX. 
We are trying to refi with a different company to get better rates and get our this servicer. 
They have refused to update the Verification of Mortgage to reflect our payments, indicate that we are on time ( says we have late payments ), and show a delinquent balance of the XXXX. 
We have called multiple times and asked for this to be updated but they don't change it. 
We can not refinance with another company until this is fixed and BSI won't call us back to fix the situation or refi it themselves so it is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
After having paid SN Servicing Corporation {$24000.00} in " Trial Payments '' and Good Faith Payments from XX/XX/XXXX to recently XX/XX/XXXX and not having missed ONE payment and having them falsely charge me late fees ( I have all my bank statements and Postal receipts to prove they received payments before the due dates ) they have offered me a bad loan ( I have consulted with ten different financial and legal firms who all confirm it is a bad loan mod ), and because I filed Chapter XXXX and I have questions concerning this loan mod, SN Servicing Corp REFUSES TO SPEAK WITH ME TODAY AND the Bankruptcy Firm that I filed with REFUSES TO RETURN MY CALLS. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Since XXXX 2015, USAA have been returning items specifically to XXXX and charging my account an NSF in the amount of {$29.00}. It was my position that these items were being fraudulently returned to collect NSF fees since I did in fact have the funds available to cover the transactions if USAA did n't charge an NSF first. However, I was not receiving overdraft notices to verify my balance and the way the ledger reads online I had enough money available when the transactions were posted to my account if the USAA processing department actually posted the transaction before charging an NSF fee. Since XXXX 2015 I had not received any NSF notices to support my position. However, this past week I received my very first NSF notice and it confirmed my position for the last year and half. I did have enough money to cover the XXXX transaction in the amount of {$38.00} because I had {$51.00} in my account according to the notice that was sent to my email. Regardless of that fact, USAA returned the transaction to XXXX so not only did I have to pay {$29.00} NSF fee for an item that should have posted and cleared my account but also I had to pay yet again {$25.00} to XXXX. Over this last year I have had to pay between {$1000.00} and {$1500.00} in fees to USAA and XXXX for the same type of issue. It is my hope that your office can assist me and other consumers who are being taxed by USAA and XXXX for fraudulent fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had made arrangements with a capitol one cc that I owed. I have made my payments@XXXX/mo that was XXXX more than agreed. Capital one apparently went against their word and had a judgement put against me in which I was never notified in any way. I just found this out on line and it was done in XXXX CT court. I was not notified and given my rights to defend myself. Now due to only collecting social security I am Far below the poverty limit. I feel this case should be reopened to where I am entitled to my federal and state law rights.I did put a dispute in with XXXX but they like always they are known to favor the company that is a hard known fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Harassment phone calls from Capital one Bank on XX/XX/2016 XXXX and XX/XX/2016 XXXX form number XXXX, XXXX. This bank already closed all my accounts without my consent since XX/XX/2016. Currently I have NO any banking relationship with this bank. Therefore I can not accept any harassment phone calls from this bank as the complaint filed before. By filing this complaint, I continue collect the debt from this bank who owed me the following debt : Customer never received {$9.00}. Customer also ask {$80000.00} plus 20 % interest, {$100.00} late fee each month for 36 months, {$150.00} travel expense, {$4800.00} personal time to collect funds, XXXX XXXX. 
Theft XXXX should go to jail 20 years for stealing funds, stealing bank statement, close account, change address etc. without account holder 's consent. 
Capital One also owe me {$35.00} cash bonus plus some other promotional bonus {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hi, my name is XXXX XXXX. I live in XXXX, CA. My property is XXXX XXXX XXXX, XXXX, CA XXXX. I have a very serious problem going on right now. I have a sale date scheduled for my home on XX/XX/2017. My servicer now is Shellpoint Mortgage Servicing, a division of New Penn Financial, LLC. My previous servicer was XXXX XXXX XXXX, XXXX ( XXXX ). I was under a loan modification review with XXXX and out of nowhere I receive a letter from Shellpoint Mortgage saying they are the new servicers while after receiving that letter I was still getting correspondence from XXXX for a very long time. I was very confused as to who was the real servicer was. That put me in a very bad stop because I never received goodbye letter from XXXX saying they have transferred my loan to another company. I was scared what if this Shellpoint mortgage was a scam company asking for my documentation. 
Back when the crisis happened my business went down. I lost my job and my income. I could not pay my mortgage. After a while I got back up on my feet. Found a job, my income got getter and increased. But it was still not enough to pay my mortgage so I turned to apply for a loan modification with the bank at that time. I got approved, they gave me a trial period payment it 's a three payment process. I paid, but as soon as I made the 3 payments in a course of three months they sold me to another bank, that bank did the same thing three payments and then sold me. Now I 've been working with XXXX XXXX XXXX for over four years now. It 's always a game with them. I apply, send them all requested documents, wait send more documents, wait, then a sale comes up, I XXXX out, I XXXX, I give them everything and they still try to sell the home. I already am exhausting all my energy. I want to keep my home, I want to pay my mortgage but can not because I never get offered anything. How much longer will I have to wait and keep this going? 1 year? 3 years? Will I ever get a chance to pay my mortgage at an affordable monthly payment? A loan modification is supposed to help me but I ca n't even get an offer. I now have a Sale date that is scheduled for XX/XX/2017 and I 'm scared that they will sell my home after all these years trying and me and my family will be left out on the streets. I called Shellpoint Mortgage Servicing and they said they have received all my documents but they can not talk to me other than their legal team. I asked for them to give me the legal teams contact information they said that someone will call you in 5 business days. By that time my home will be sold. I need to talk to someone now. No one will talk to me and they said that I do not have a single point of contact. I believe they have and are violating my Homeowner Bill of Rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Other financial service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
SirI was forced to accept a chashiers check in lieu of cash from Wells FargoThe check was lost, I had a stop payment placed on it and requested a replacement. 
at XXXX Wellsfargo said no problem can do same day for .02 percent, then that changed to .2 percent, and we filed out all the paper work and paid the feed. XXXXChashiers check for for XXXXThen a day later WellsFargo called and said they were refunding the XXXX and I had to wait 90 days. 
Wellsfargo refuses to put anything in writing, or provide me copies of the Cashiers Check. 
I believe if they insist on stealing my monies, they should at least have to put it in a escrow account so I know where my money is. 
I was never advised of any terms or conditions on replacing this Chashiers check when it was forced on me. 
Since this dispute Wellsfargo has put My debit card on Fraud list and stoped me from using it over and over and over. 
Im very upset, this bank is bullying me. 
ThanksXXXX XXXXXXXXXXXX XXXX XXXX NY XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian is refusing to remove a Chapter  XXXX  bankruptcy record from    2009  that I did not file. It has a reference number of "  XXXX  ''.     I have never filed for bankruptcy in my life. Money has never been a problem for me and my report clearly shows that I have never had any difficulties making payments on my debts.     I have disputed this error with Experian numerous times but they have continuously ignored my disputes as frivolous without properly addressing my claim.     They say the bankruptcy record has been verified but my report clearly shows that there have never accounts on my report that have been " included in bankruptcy ''.     How can I have a bankruptcy on my report if there are n't any accounts that show they were included in bankruptcy?     I manage my finances responsibly so it is unfair that this blemish and error in reporting by Experian continue to occur when no factual evidence can be provided as validation.

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 2023-03-23
Company: EQUIFAX, INC.
State: AZ
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:
Complaint against XXXX The past 3 months I have tried to get XXXX XXXX to fix their error. They continue to report my balance on an acct I have called XXXX. I sent them a balance letter from conns several times they still report my bal as XXXX but its actually XXXX. 

Then I have a XXXX XXXX card ending XXXX, limit on card is high but my balance is always paid off if I use it prior to reporting. Card is through XXXX XXXX, XXXX XXXX removed my card off the report just deleted it without my permission or request. In the middle of my refi on my mortgage causing my credit score to plunge down XXXX points I had XXXX XXXX  contact them and XXXX said XXXX XXXX refuse to put my card back on because they state I disputed something on the report. 
I have never disputed anything on my XXXX XXXX  Visa card with XXXX limit. Had no reason to its the only card that was reporting correctly. 

I reported to XXXX XXXX lots of inquiries not mines they did nothing, I contacted the creditors who made the inquiries and they removed them and immediately XXXX XXXX has reps I talk hang up on me and now my Visa card has been removed which Id terrible practice. XXXX  reporting incorrectly XXXX card balance the report incorrectly Ive sent balance letters several times XXXX XXXX is XXXX they report XXXX And its ongoing every month nothing changes. 

Consistently getting hacked on there site just a lot of stuff with XXXX XXXX and equigax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is showing negative information that is over 7 years old on my credit report for XXXX accounts. 
1 ) XXXX loan # XXXX shows late payments starting XX/XX/2010 that are over 7 years old. All negative notations should be removed. 

2 ) XXXX loan # XXXX shows under " Type '' 90 Day Late Payment. This is over 7 years old and detail has already been removed. The entire account should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: PRESTIGE FINANCIAL SERVICES 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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:
Debt collector XXXX XXXX XXXX unable to provide supporting evidence and Ive attached a document that verify that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Sokaogon Finance, Inc.
State: NJ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I did a payday loan through WhitePine Lending. I didnt know it wasnt legal in my state ( NJ ) nor did I expect it to cost as much as it did. I felt as if I was constantly paying and the debt was never cleared. Now I am getting phone calls at my job and they are telling me they will garnish my pay. 

I also did a payday loan through XXXX. They are also calling my job now trying to do a settlement. I 've done a settlement before with XXXX ( XXXX difference companies yes, ) and I was scammed. I paid XXXX $ and I still had a balance, and it was n't cleared from my name. I do n't know how I feel about doing a settlement. The man was rude

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief