BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I NEED HELP WITH MY SHORT SALE. I sent a Short Sale package with a contract in XX/XX/XXXX and no one responded. I lost the buyer. I have a new qualified buyer and submitted a package in XX/XX/XXXX. I have n't had a response yet. My husband is a XXXX veteran and I am his caretaker. We have to relocate and bills are piling up because the maintenance and upkeep is causing more hardship -- We really need help to get this expedited ... ... ..PLEASE! We keep losing prospective buyers because of the timing. 
However, I am pleading with SPS to stop the foreclosure sale scheduled for XXXX XXXX, 2016 and honor my short sale loss mitigation package. 
My husband is a XXXX Veteran and I am his sole caretaker. He suffers from XXXX. 
I came out of Bankruptcy previously in order to do a short sale when I was offered a modification that was n't feasible. 
I listed my property, received offers and submitted my package twice. I have yet to receive a response. Instead, the first time I submitted a package a hearing was schedule to reset foreclosure sale date. 

I resubmitted package and still no answer. I had a foreclosure sale date twice and the judge stopped the sale. I do not want to file bankruptcy again because I can not run the risk of having a Deficiency judgment and I need financial assistance to relocat I have submitted my package to the Consumer Ombudsman office as well as the Short sale department. Please send me a single point of contact whom I can work with and call twice a week until this matter is totally resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Van Ru Credit Corporation
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Business Caller would not identify company name or identify itself as a collection agency until after repeated requests to identify their company name. 

Abusive tone of voice when asked to provide information about how was calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I fell upon hardship, went through a difficult divorce and then had a significant loss of income. My home was mortgaged with Washington Mutual. Right during this time of troubles, the title of my mortgage was transferred from Washington Mutual to Chase Bank. After attempts to rent out and refinance my home, it as foreclosed upon in XXXX XXXX. 

Upon research I have found the following with regards to others in my same situation : " The vital allegation in this case is the assignment of the loan into the WAMU Trust was not completed by XXXX XXXX, XXXX as required by the Trust Agreement. This allegation gives rise to a plausible inference that the subsequent assignment, substitution, and notice of default and election to sell may also be improper. Defendants wholly fail to address that issue. This reason alone is sufficient to deny Defendants ' motion with respect to this issue. '' Through fabricated assignments, endorsements and affidavits that purport to transfer Deeds of Trust, notes and the rights to money due under thousands of non-negotiable promissory notes, Chase is playing " hide-and-seek '' with debtors and judges. 

The XXXX-paragraph complaint seeks an order vacating all Bankruptcy orders, claims and awards granted based on Chase 's misrepresentations and deceptive business practices.They don NOT have the original title deed. If they cant produce it they have NO legal authority to collect or foreclose. All mortgages bundled and sold on the stock market were separated from their original tile deeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Other

Complaint:
I had a Chase XXXX XXXX credit card. I had around XXXX XXXX frequent flier miles when I signed up for the card. XX/XX/XXXX I lost the card and asked for a replacement. They never sent me the replacement. XX/XX/XXXX I was charged an annual fee for a card they had not replaced so I canceled the card. This week I went in to book a flight and they said I have XXXX miles. Late last year I had almost XXXX miles and had been paying my card until XX/XX/XXXX. How can they all of a sudden just decide to cancel all of my miles?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Chase Bank foreclosed on my home located XXXX XXXX, XXXX XXXX, Il XXXX loan # XXXX. The XXXX demolished my home before any foreclosure proceedings and I have been informed that Chase authorized XXXX to demolish my home which violated my rights as a homeowner. Additionally, Chase has failed to properly update XXXX Neighborhood Watch System with the foreclosure dates. Since they have refused to properly update XXXX System, they are preventing me from purchasing a new XXXX financed home because XXXX system states that the Chase loan is still active or open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a notification from a hospital that they had a security breach and my personal information has been or could have been breached so I have been monitoring my credit report. There is a collector on my credit so I decided to call them. When I call they ask for my social security which I provided and they were unable to locate me. They tried to tie me to a XXXX XXXX, which I have never lived. I asked to send me proof, which they have not yet they took the liberty of adding themselves to my credit. I have disputed this with my creditors which most removed but XXXX is still saying it is mine, which I do not understand why since no proof has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America closed my account without proper notice. The card was not expired. The reason that was give to me in a letter dated XXXX XXXX, stated that the terms applicable to my account are no longer available. When I spoke to a representative I was told it was because I had not used the card in a while. XXXX different stories!!! I believe it was age discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20
Company: COAST PROFESSIONAL INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone applied for a pell grant in my name and social but at a different address and with my first name misspelled. They defaulted on the Pell grant but collected the money that was sent to their address. I was contacted by the Department of Education saying that I owed this money. I told them that I did not sign for this grant and did not attend XXXX XXXX College, this was not my debt. I had already gotten my XXXX degree 15 years ago. They started to garnish my wages anyways. I filled Police Reports, FTC Complaints, Notified the Credit Reporting Agencies and Placed Extended Fraud Alerts, Disputed Information, Notified the Department of Education, the College, and the Collection Agency and Filed Paperwork with the Department of Education. The Department of Education has rejected my claims and said that this is my debt and continues to garnish my wages. They said that they will not stop unless I get a court judgement. I can not get a court judgement when I do not know who the person is that stole my identity. I have called several places but every where is a dead end, no one can seem to help me. Every one says that if it was a student loan then it would be a different story and then they could help me, but since it is a Federal Pell grant, there is nothing that they can do. The Department of Education is Rude and MEAN to me, they treat me like a criminal and will not offer me any help. I am not the criminal, I am the VICTIM. I need help. I need to know how to stop the garnishment, get my money back, and clear my name. Please help 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 2015-08-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They have reported on my credit report XXXX accounts that are still open and not showing paid. XXXX for Synchrony Bank/Care Credit and the other for XXXX XXXX XXXX. XXXX have been paid, Care Credit XX/XX/XXXX and XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have a family of XXXX with a XXXX wife. With threats of garishment of my wages and not being able to have my loans put on hold. Navient and XXXX has completely failed me. I can not afford to make payment and take care of a household at this current moment. The stress is so over the top is makes you want to run away. My loans through Navient started as XXXX {$4000.00} loans and now are over XXXX. Thats more than my income. They acall and pretend that they are from law offices or that they are detectives and to call back a XXXX number. They have called my wife 's cell phone several times in a day causing her stress she can not stress due to her XXXX XXXX They just applied the loans to my credit causing harm making us unable to get certainin loans that were needed to help pay bills. I pray that you can help in this situation against this horrible leech of a company. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I RECEIVED A 4 SEPERATE LETTERS FROM SYNDICATED OFFICE SYSTEMS PAYMENT ADMINISTRATOR I HAD THE LETTERS BUT HOWEVER I MISPLACED THEM IN MY HOUSE AND BY THE TIME I FOUND THEM THEY HAD JUST EXPIRED SO I CALLED THE NUMBER THAT WAS ON THE LETTER AND THERE WAS A AUTOMATED SYSYTEM EXPLAINING WHAT TO DO IF YOU NEEDED A CHECK REPLACED SO I SPOKE TO A LIVE REPRESENTATIVE AND SHE PUT A REQUESTY TO HAVE THE CHECK REISSUED AND SAID IT WOULD TAKE 4 TO 6 WEEKS TO BE PROCESSED I CALLED NUMEROUS TIMES OVER THE COURSE OF THE WEEKS AND THEN I SPOKE TO A REPRESENATIVE NAME XXXX WHO SAID THAT THE CHECK WAS GOING TO MAIL OUT ON XXXX XXXX 2016 SEVERAL DAYS WENT BY I RECEIVED NOTHING IN THE MAIL SO I CALLED BACK SPOKE TO A SUPERVISOR NAME XXXX ON XX/XX/2016 WHO THEN STATED THAT MY CHECK HAD NOT GONE OUT BUT THAT IT WOULD FOR SURE GO OUT SOMETIME IN XXXX BUT HE DONHT HAVE A DATE.SO I CALLED BACK THE VERY NEXT DAY AND SPOKE TO ANOTHER SUPERVISOR NAME XXXX AND SHE STATED THAT THE CHECKS HAD NOT GONE OUT AND THAT SHE WAS GON NA GET MORE INFORMATION AND CALL ME BACK WHICH SHE NEVER DID SO I CALLED HER BACK LATER AND THEN SHE STATED THAT SHE SPOKE TO THE PROJECT MANAGER AND THEY WERE SAYING THAT THERE WAS A POSSIBILITY THAT THEY WERE NOT GOIN G TO REISSUE ANY CHECKS AND THAT WHEN SHE FINDS OUT FOR SURE SHE WILL LET ME KNOW HOWEVER I AM ENTITLED TO THE CHECK AND THEY NEED TO BE REISSUED AND SENT TO ME.THIS COMPANY IS GIVING ME THE RUN AROUND.

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 2015-06-09
Company: MNE Services, Inc
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was contacted by Star Cash XXXX XXXX at a time i was desperate for money. They told me they would grant me a loan but my credit score was bad so i would need to XXXX XXXX {$200.00} as a deposit.They said the loan plus the {$200.00} would be deposited in no more than XXXX minutes.They told me that if I received a phone call from anyone to tell them i received the money from a friend to avoid extra charges.After sending the money I got a phone call like they said I would, I was told that there would be an additional charge of {$310.00} .This is supposed to be some sort of tax because the money was sent out of the country XXXX.The man at the loan company called me back and was irate with me for giving his phone number to them but told me to send the extra {$310.00} and they would cover that amount also PLUS THEY WOULD GIVE ME AN EXTRA {$100.00} for my troubles.I did not send any more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XX/XX/XXXX Office of Privacy and Civil Liberties XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Citibank Customer Service XXXX XXXX XXXX XXXX, SD XXXX To Sir or Madam I am writing to bring to your attention a serious issue I had with the Citibank. 
On XX/XX/XXXX a representative from Citibank Collection Department called my home. The caller spoke to my spouse and went into details about my credit card bills. My spouse is not my co-signer on my applications. 
I want to report this matter because I feel that Citibank 's representative broke the Privacy Act XXXX LAW. 
I hope to hear back from you about this incident. I can be reached by phone at XXXX at any time or by email at XXXXXXXXXXXX. 
Sincerely, XXXX XXXX XXXX PS The orginal was sent to the above address

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 2015-05-08
Company: Stellar Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt belongs to my son and they refuse to remove it from my credit bureau information

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They will not tell me who the original creditor is have asked several times. They asked for proof of recieving XXXX XXXX months ago I provided it. Now XXXX months later there requesting it again. They have called me at my work in the past I asked them to not call me there within a month they called me there again putting my job in danger. Very rude on the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Social Finance, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I filled out an application for a signature loan with SOFI. www.sofi.com I uploaded the requested documents and they sent me a verification of employment to fill out. i filled out my portion. They faxed it to my employer. They did not include my SSN or an address where the verification can be sent to. 
After waiting about a week and several calls, my employer said they can not by law give out wage information by fax and needed a physical address which SOFI could not provide. Also, SOFI, as a lender should include a SSN when requesting verification of employment. 
I believe they are doing a bait and switch program to lure potential borrowers with attractive options and once a potential borrower applies they can not complete the loan because the way they conduct business prevents the loan from being able to get documentation required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Lyons, Doughty & Veldhuis, PC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I received a " notice of motion for Judgement upon default of stipulation of settlement '' in the mail from Lyons, Doughty and Veldhuis, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX XXXX. I did not pay as agreed but did call and spoke to XXXX @ XXXX and asked if I could set up a new payment arrangement and that I had just gotten a part-time job. I asked that if I agreed to the new payment arrangement would this judgement still go into affect, she said " no '' it would not go into affect as long as I started to pay as agreed in the new arrangement. I also asked if I needed to respond to the civil action, she told me " no '' and that by talking to her, this was putting a halt on the action from proceeding. I trusted and believed her because she works for a law firm and did not think she would give me false information. When the new coupon book came in the mail to me on XXXX XXXX, 2017, I mailed my personal check to them and they received my first payment in XXXX 2017 as agreed but still put the judgement through. How is this legal? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX I opened an account with XXXX wireless service, with XXXX phone lines. The second account # XXXX was charged off and closed in XX/XX/XXXX. The first account # XXXX account has been " sold '' XXXX to a collection company. The problem is once a collection company gets the account it reports the date of when the account went bad to the date that the collection company bought the debt. A collection company named Pinnacle, is using XX/XX/XXXX as the reporting date. I have asked for proof from the credit reporting agencies. I received a letter from XXXX saying that they have conducted an investigation and that the information they received from XXXX was accurate. I am requesting a that your agency request the information, I am confident it will show that this XXXX account is past the time to be reported in a credit file. And In am requesting that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: BB&T CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My insurance company attempted to make payment and requested a Letter of Guarantee for the title, but was told Regional Accepatnce 's insurance department is short staffed, so it would take between 4 - 6 weeks to draft the letter ( which at most, takes 3 - 5 business days ). I called and was told my loan would still be accruing interest and payments due while waiting for them to send the letter for a vehicle deemed a total loss. I was told I would have to make a payment extension, then told my XXXX insurance would not cover any time I had a payment extension, and that interest would still accrue ( daily ) during this time period. They are not the same company I have XXXX with and it is not in my XXXX contract.. I am now paying for my rental vehicle since it has been over 30 days, due to them stating they have an issue with staffing in the insurance department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: BB&T CORPORATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check from my insurance company for short term XXXX, Principal Life in the amount of {$2200.00} less {$100.00} = {$2200.00} on XXXX XXXX, 2015 in my checking account at Branch Banking and Trust, aka BB & T in Kentucky. They are delaying/holding my deposit for XXXX days, they said because I overdrew my account in the past XXXX months. I went to the ATM with my ATM/XXXX card and it allowed me to withdrawal money, but BB & T charged me {$36.00} for each ATM/XXXX withdrawal. How can this be legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
A few days ago I damaged my card. No lost the card but damaged the card. I immediately login to my account and made a reporting of the situation. Per the agreement there is no charge for the Damaged card. I sent the Financial Institution a online message stating where is the card and when was it processed. I then noticed today after login in that there was a BAIT and SWITCH regarding the TERMS. This seems to be a pattern regarding this Financial Institution and their methods. I ask that the money is returned asap. As this is considered THEFT. If not returned I will be forced to file suit regarding the Unauthorized Debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have made several attempts to get the debt collection agency to validate the alleged debt upon proof claim via of bona fide documentation. They have remained tacit in this regard and have never responded to any correspondence sent to them and have violated several parts of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation