BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-01
Company: National Credit Systems,Inc.
State: WA
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 discovered a negative account for XXXX, for nearly XXXX in rent on my credit report as of XXXX. I contacted XXXX once I saw a negative account in my credit report. They responded that they had no lease for me for XXXX. I contacted National credit System immediately and asked to look into it., in XXXX/XXXX/XXXX. I have not had a response so far. Until this is resolved no one will rent to me and my children. I get to sleep in a car. I definitely feel a negative impact for this fraudulent account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I applied for a credit line on XX/XX/XXXX for {$14000.00} and paid my bill on time every month. The amount I paid was {$46000.00} to XXXX until they sold my debt to Springleaf on XX/XX/XXXX and I keep paying {$230.00} each month until today. As yo can see my debt was paid XXXX times more and my balance with Springleaf still {$12000.00}. I try to contact them and ask a debt reduction but they told me any deal on this issue. I found this company on XXXX with a very bad reputation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26
Company: BB&T CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had XXXX accounts with XXXX that I signed up for in Texas. I was told yesterday XXXX XXXX 2015 that all Texas XXXX accounts were transferred to BB & T. I called BB & T and gave them my full social security number, my current address and my past address, the name of the company I work for and my mothers maiden name. I was told that I needed to provide the exact amount of my last deposit as well as my past XXXX transactions. I informed them I do not have access to my accounts anymore. I was told that the issue needed to be " escalated '' to a management personnel and that they would call me because BB & T would " expedite '' my claim. XXXX hours later and I still have not received any email or phone call from BB & T. I do not have access to any of my money from my checking account, my CD, my savings account or my business account. I never authorized my funds to be moved and now I have no access to any of my money. I am working for the XXXX XXXX as a XXXX in the XXXX so I am not able to show up at a BB & T branch and withdraw my money. I informed BB & T of my current location and the urgency there is in me having access to my money and as of yet I have heard nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
New Complaint against Select Portfolio Servicing. We have received a response from XXXX XXXX XXXX XXXX regarding our complaint file # XXXX. A DISPUTE has been filed, and since XXXX XXXX XXXX XXXX has no record of us, or our loan, as to any trust, or by which XXXX XXXX XXXX XXXX has a record for security investors, and XXXX XXXX XXXX XXXX forwards us to the servicer - Select Portfolio Servicing ( SPS ), we hereby file a new complaint against SPS. 
While XXXX XXXX XXXX XXXX claims to be a trustee to certain XXXX trusts, XXXX XXXX XXXX XXXX can not, and does not, state that our loan was in any trust to which they were a trustee. XXXX XXXX XXXX XXXX can not, and does not, state that XXXX XXXX XXXX XXXX, as trustee for certificate holder investors, received payoff of our loan, for the benefit of investors, by us, in year XXXX, as evidenced by our mortgage payoff cancelled check. XXXX XXXX XXXX XXXX can not, and does not, provide a Mortgage Schedule for any trust, that XXXX XXXX XXXX XXXX claims to be a trustee for, by which our mortgage loan is included for cash pass-through to security investors. XXXX XXXX XXXX XXXX can not, and does not, provide any documents in their possession, either as trustee, or in any capacity, by which our mortgage loan is referenced. XXXX XXXX XXXX XXXX can not, and does not, provide a Power of Attorney for Select Portfolio Servicing ( SPS ), or any other entity, to act on their behalf. No Power of Attorney is attached to SPS assignment and discharge, recorded in our County, for SPS to act on behalf of XXXX XXXX XXXX XXXX, for such assignment and discharge recorded in our County Registrar 's Office. Such assignment was recorded in XXXX XXXX, without Power of Attorney from XXXX XXXX XXXX XXXX, by SPS, many years after actual payoff of loan by us - XX/XX/XXXX. XXXX XXXX XXXX Bank can not, and does not, state that any certificate holders/investors to any trust, by which they were trustee for, and, responsible to - by SEC filings for servicer compliance, received payoff of our mortgage payoff proceeds on XXXX XXXX, XXXX - as provided as paid by documents submitted by us. XXXX XXXX XXXX XXXX only refers us to SPS. Thus, it is up to SPS to respond as to what happened to our loan, and to our mortgage payments and payoff. At this, juncture, a referral to the Securities and Exchange Commission is warranted. The CFPB has informed that they do not refer to any other entity other than the Federal Trade Commission. Thus, we request that SPS respond to this complaint so that appropriate action may be undertaken. Not only is title to our home at stake, but, also, investors rights have been discarded, with payoff owed to them diverted, by both XXXX XXXX XXXX XXXX, and SPS. We would appreciate an immediate response. 
Thank you, XXXX and XXXX 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 2015-04-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My property at XXXX XXXX XXXX XXXX, XXXX, Tn XXXX was vandalized back in XXXX, I filed an insurance claim with XXXX XXXX. XXXX sent the insurance check to XXXX XXXX XXXX on XXXX/XXXX/XXXX or XXXX. I was also in the process of doing a loan modification on the house because my brother moved out and I could not pay the mortgage for that property and also the property where I reside currently. Needless to say, XXXX XXXX XXXX never gave me the check for the repairs. Soon after, they sold the mortgage to Select Portfolio. I tried to sale the property and when I got a contract, codes ended up demolishing the property before my closing date. Now, there is no property ... but I still get mortgage payment requests, calls from SPS, my credit over the years has been destroyed and now I have a lien against the lot for the demolition! I do not know what to do at this point! The mortgage company will not foreclose, they will not allow me to surrender keys, I can not file a chapter XXXX at this time either. I am seeking guidance on what direction to take to file suit against the parties that caused this adverse affect on my life. SPS were made aware of the demolition at lease 90 days prior to it happening and they were also aware of the insurance money being held for repairs! I tried for years to get the money with no success so that I could make repairs and put a renter in there to start paying the mortgage! XXXX I told them I would be seeking counsel, they sent me forms informing me that I should get a quote from a contractor for repairs in an amount close to {$9000.00}. This was after the property was demolished. 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 2017-03-05
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage payment went up {$88.00} last year. This year it has gone up an additional {$430.00}. I ca n't understand how I 'm expected to pay {$1400.00} a month, when we bought our home knowing our payment was {$910.00} a month. I have read the explanation on nationstars ' website about the escrow amount going up. Still I can not fathom paying an additional {$430.00} a month. With the company making this change, our best bet to survive as a family will probably have to be to sell our home as we will not be able to make the payment of a nearly 50 % increase on our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX, attorneys for Select Portfolio Servicing ( SPS ) have threatened foreclosure of my house see attachments. The CFPB has been clear through amicus briefs, examination procedures and guidelines that when mortgage servicing rights are purchased subsequent to a loan being in default, the Fair Debt Collection Practices Act ( FDCPA ) applies and a non-judicial foreclosure is in clear violation of the FDCPA. A XXXX of my house remains on XXXX stating there was an auction and updates are awaiting. SPS nor their attorneys have been able to provide historical loan records from inception of the loan. Recently, their attorneys sent me a Notice of Rescission of Mortgage Acceleration which supports the fact that a non-judicial foreclosure should not and can not occur. Despite my request for SPS to stop calling me, they continue to call. Please review all attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I was forced to carry XXXX mortgages and left with over {$20000.00} in overdue bills and damages when the tenants in my California home disappeared in XXXX 2015. I managed to cover everything, but had to juggle and barely made it. I got the house back on the market and sold, but I was financially in trouble until I received the monies from the close of escrow. I called Discover Card and explained to a representative my situation requesting that I be allowed to hold off one additional month and would pay in full on XXXX XXXX or as soon as the mortgage closed. The representative agreed to allow me to do that and said he would notate it in the billing notes. We had an agreement. At no time did he inform me that Discover would report me to the credit reporting companies, my understanding was, we had an agreement. I was finally able to plan on giving my family the new home I had been promising them for several years. Discover turned me in as late to the credit monitoring agencies and caused a XXXX point drop in my credit rating. I had nothing negative on my credit record prior to this. Nothing! Had I realized they would do this, I would have done everything I could have to prevent it, and in reality, thought I had. I had no idea they would do so, as we had an agreement. I called them. They were much less than concerned, one Discover representative telling me to read the full contract after explaining to her that this has placed and unfair, and in my opinion, extreme hardship on me and my family. I 'm retired. I 'm a XXXX and I do n't understand much of the financial working of credit companies and I 'm just trying to survive. But when I make an agreement, I stand by it. This has caused us to have to spend {$1500.00} to {$2000.00} a month more if I am going to give my family the home they deserve, due to a higher interest bracket and having to pay mortgage insurance, all due to the credit report from Discover Card, and their not honoring their agreement with me. Again, my credit was nearly in the XXXX prior to this. It dropped into the XXXX due to it. I feel Discover Card did not properly honor their agreement with me and I feel they should pull the negative report. Especially as I paid them in full as soon as I got the escrow money, holding up my end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been in contact with my private student loan lender Discover Student Loans several times since XXXX 2014 to try and make my monthly payment more feasible so I can afford to live. I have been told to either use forbearance or default my loans and that they can not help me. They want me to pay nearly {$700.00} a month, while trying to live and pay other bills. I also have federal loans that are in non repayment right now until I can get something resolved with Discover and be able to afford to repay my loans. I am willing to work overtime to pay Discover a settled amount every month so everyone is happy they are getting money. But, Discover will not work with me to make it to where I can live and afford my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Finance of America Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX, Finance of America pulled my credit without my consent or authorization. They only reason I knew was because I got an alert through my credit monitoring company. 

I do currently have a mortgage with them and never been late, but how can they just pull my credit at anytime without telling me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: First National Collection Bureau, Inc.
State: CT
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 not know about this debt. Does not show on my credit report. Telephone # provided on notice is only a recording of ads trying to sell me stuff. I want to know what this bill is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: First National Collection Bureau, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
3rd time this company has tried to collect for a fictitious debt. I filed a complaint about this same company on this site before, so this time the company has changed the name of the phony debtor. This is not my debt. The last time this happened, I called the company. They said the social security # they had did not match mine. They apologized and said they would stop sending bills to me. I 'm getting tired of this, it is a scam. I do not owe any outstanding debts to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They have called my family members in an attempt to contact me re : an unpaid debt and threatened legal action telling me I wrote a " hot check ''. Funds were not available when they attempted to draft the amount, I did not write a " hot check ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: DE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had sent the company Ace Cash Express a letter stating I was revoking an ACH authorization they complied and then today I received an ACH debit on my checking account from an XXXX XXXX. First of all I do not know who XXXX XXXX is nor have I had any dealings with them and they took XXXX out of my checking account. I can not have people I do n't know taking money out of my account. This is absurd to me. I find it fishy because it is the same amount I had with Ace. I am a mother and I have been very sick and every little penny counts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Innovis
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX and XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: First National Collection Bureau, Inc.
State: OK
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 keep getting calls on my cell phone from this debt collector. I do not have any debts outstanding now or from the past I have been receiving calls from a XXXX for over 5 months. I have the number blocked and they keep calling my cell phone. I have researched these XXXX and it appears to be a company called First National Collections Bureau. These XXXX are relentless from what I have read on the internet, it appears that the government has done little to nothing to stop these XXXX. I bet if these XXXX started to call the FTC or some other government agency something would be done to shut them down. So for now all I can do is be another complaint about a company that needs to spend some jail time and not a fine or slap on the wrist for harassment. Thanks XXXX from Oklahoma.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
this is my second car financed through nissan finance. i took a deferred payment in XXXX 2014. they never told me they were sending me any paperwork to sign, neither did they send any. XXXX/XXXX/14 - XXXX. XXXX, male rep - i got a call my payment was late. i informed the woman i had a deferment, which she acknowledged. she told me i had not signed the papers and sent them back. i informed her no paperwork was sent to my XXXX XXXX or physical address. at the time i was visiting my daughter in another state. i asked them to send the paperwork there and to note the account nothing was ever received. I phoned them weekly no paperwork came. i believe it was a couple of months later and only after i asked the female rep. to send them certified to me did they finally arrive. i signed them, copied them and mailed them. months later and after checking my credit report I noticed they marked me for a late payment. I called to be told I had a late payment in XXXX. I believe nissan has me late for XXXX, XXXX and XXXX. I have never paid any of my payments late. when I purchased my first car i sent a payment in and received a phone call my payment was late. this payment was sent certified. it arrived on time. I did this because i noticed they were posting my payments close to the end of the grace period. upon phoning nissan i informed them they are supposed to stamp and post the payments for the date the payments arrived. I was told by a male rep. they do not do that. that is when i started paying on line which cost me an additional XXXX. I sent a letter of complaint which nissan tried to justify their actions. later received a phone call from a female in the corp. office who returned my online fees and the money i spent to send it certified. I believe nissan is still posting payments whenever they want. I now payonline and am charged an additional XXXX when i get a chance i will send a payment certified again to see if they are posting it when it arrives or whenever they feel like it. I do not like this company. I am trying to get my credit back to a good standing so i can finance through my bank. their customer service is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Santander Bank Incorrectly stated late by thirty days on XXXX X when they clearly received on time payments. In XXXX of 2014 they marked the payment late for 30 days when they received it on time for credit reporting on XXXX XXXX 14. Yet the statement shows received on XXXX XXXX 14 and processed XXXX XXXX 14. Something similar happened in the next month. The payment was due on XXXX XXXX 14. However that date was on a Sunday. Santander processed on the Monday XXXX XXXX 14. That payment was probably received on the Friday or Saturday before the due date but processed on that Monday

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-09-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Nissan Acceptance Corp is listing a debt on my credit report for all XXXX credit reporting agencies. This debt should not be listed on my credit reports as they have sold the debt XXXX to XXXX different collection agencies. I find it disturbing that all XXXX of these companies have attempted to collect on the same debt. I wish to have this debt removed from all XXXX credit reporting agencies. Lastly, this debt has been charged off and is also part of a profit and loss write off.

Company response to consumer: Closed with explanation