BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-28
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
STRAP : XXXX BB & T violated many Federal Regulations Including TILA, Regulation Z, Dual Tracking ( as they were informed I was working on a Loss Mitigation Package with Neighborhood Home Solutions well within foreclosure deadlines, failed to send me their Loss Mitigation package within a timely fashion, exploited my lack of knowledge of the law and claimed they would " work out a solution during my first trial when my complaints should have been raised, and gave me a predatory loan as I was below the poverty line with XXXX dependents. The Civil Court could not adjudicate these claims and BB & T continued with their foreclosure auction well before any and all court motions / appearances were allowed to transpire. They also had many mistakes in documentation and transferred the property to XXXX XXXX XXXX after my last court appearance when opposing counsel told me personally, among a credible witness, that he would email me later that day with a resolution. The Plaintiff also provided the court with misleading ( bordering on fraudulent ) comments which could not be adjudicated at that time and my supporting documentation was unable to be reviewed within the 5 minute time frame the court allotted us. 
XXXX XXXX XXXX XXXX XXXX FL XXXX I have all documentation supporting my claims and am prepared to take this to a Federal Level.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have an FHA mortgage with SPS Servicing. I went through a trial modification and was offered a modification that was not acceptable. I have asked for alternative foreclosure prevention that they outlined in their correspondence to me. When I asked about it they said they would not work with me on any of the alternatives. They failed to follow FHA guidelines while foreclosing as they have not offered to meet with me face to face to discuss my modification or alternative foreclosure prevention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Recommendation : Governance and Loss Mitigation Review. Confidential Settlement Response : XXXX XXXX XX/XX/XXXX Letter Basically, I find XXXX XXXX offensive. We all understand that mortgage are securitized and the ownership of the mortgage can been transferred. I have decided to attach my resume in order that I am not insulted again. You will find it hard press to find someone more knowledgeable. I am requesting to communicate to some one more senior to XXXX XXXX in order to resolve this matter. 

XXXX XXXX implies that SPS is s " blind agent '' and simply collects for the mortgage payments for owners. It sounds like statements at the XXXX XXXX. 

First I would like for XXXX XXXX to provide support that she is in contact with the mortgage owner. 

I would like for her to explain why SPS did not direct my concerns about the property over payments to the mortgage owner. Please provide the owner of my mortgages contact information. 

A professional would have questioned why the XXXX XXXX XXXX property was being taxed on for XXXX in XX/XX/XXXX when it was purchased for {>= $1,000,000} in XX/XX/XXXX. 
Mortgage foreclosures in XX/XX/XXXX were down XXXX % from the Great Recession of XX/XX/XXXX. 
Home prices have not corrected to the peak of XX/XX/XXXX. However, SPS has increased escrow taxes each year. I am being foreclosed on due to excess taxes. 

XX/XX/XXXX I received a letter from SPS in the middle of this exchange on property taxes. The letter increases the tax escrow for XX/XX/XXXX from approximately {$25000.00} and year to {$30000.00} for XX/XX/XXXX. Why? 

This increase was executed despite the current grievance and history of questions about the excess escrow. 

SPS is requested to provide the State of Georgia Attorney General and CFPB The rationale for increasing the tax escrow when SPS appraisal consultants have reduced the property valuation. 

There is a strong implication that this problem may warrant Class Action Litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: McCarthy, Burgess & Wolff, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Company sent me an email to XXXX telling me to contact their office for information related to a debt. I never received communication from them in the mail with information with regards to whom the original creditor is, the amount owed, and notification of my rights to dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Green Trust Cash, LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Hello, This loan I borrowed from XXXX Cash on XXXX/XXXX/15 and first pay due on XXXX/XXXX/15. Well the charges and fees if paid on XXXX/XXXX/15 would be {$630.00} total due back. Below are all the payments I have made on the account totaling {$800.00} : Paydates and amountsAmount Borrowed - $ 500.00amount owed if paid in full by XXXX/XXXX/15 - $ XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX loan should be paid in full by now and should not still be making payments. But instead they are still stating that I owe and showing the total loan amt due back to them a little over XXXX thousand dollars. This is predatory lending at it 's best and should not be allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: BB&T CORPORATION
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Several years ago I applied for and received a credit card from BB & T for emergencies and personal purchases. In XXXX after reviewing a statement I noticed that a charge called " special purchases '' was being billed for approximately {$400.00} monthly. I am unsure how long this charge has been part of my billing cycles but after several attempts to gain answers from BB & T I have received no answer concerning what this charge consist of. I have spoken several times with branch representatives but each continue to say that there is no longer any record to give an indication of what the charge is. They expressed that they do not keep records past seven years. I requested statements for the last seven years and still have not received them. While paying the balance no payment was allocated to the " special purchase '' and it continued to accrue interest like the main balance was doing. In XXXX the charge was dropped but BB & T continued to request payment for the the previous years. I have continued to attempt to get answers concerning the issue from BB & T but they continue to have no answers for me. I believe that by the charge being left on the bill I have continued to overpay for my real purchases.

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 2017-01-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for the Keep Your Home California program which would have assisted me with receiving benefit assistance up to XXXX to be applied to my principal balance. SPS has refused to allow me to participate in this program that could potentially save my home. It appears to me that I may be retailiated against due to reporting them to various other government agencies after numerous HAMP home modification loan denials.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Springleaf is reporting that a payment has not been received since XXXX 2016 and are also reporting the wrong balance. Not only have I made timely payments all year, I have made extra payments towards my balance. They are reporting a balance of XXXX however my balance is XXXX. This is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: National Credit Systems,Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
National Credit Systems continues to report the same account multiple times to my credit report. This reflects negatively on me even more so than the original claim. They have been doing this ever since they first started reporting. I understand that they report to all XXXX credit agencies, but they are currently reporting twice to XXXX. See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX XXXX XXXX firm claimed to be a debt collector for Cash Call. XXXX XXXX XXXX firm is a total SCAM! He is n't a so called law firm. We a agreed on a monthly payment of {$120.00} a month XX/XX/XXXX for a debt due to Cash Call. I did n't know at the time that he was a scammer. I paid {$600.00} up front via my checking account. I paid {$120.00} each month till XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX firm took two payments of {$120.00} when I did n't agree to that. My bank account shows XXXX XXXX XXXX but nothing about a law firm. I then called XXXX XXXX XXXX firm and got no answer, left a message and he never called me back. Then on XXXX XXXX XXXX at XXXX I get a call from XXXX from XXXX XXXX XXXX firm saying I 'm in big trouble for closing my bank account out and saying I still owe {$600.00} but now I 'm going to owe {$6500.00}. I told him I finally found out they have been scamming me for all these years. XXXX of course denied that. I told him send me a letter with proof of everything he was saying. XXXX then called my daughter 8 times and harassed her. XXXX said he looked up both of our XXXX pages and said he knows everything about us. My daughter told him if he calls again we are calling the police and reporting him. He hung up and ten minutes later tried to call her again. She did n't answer, he has n't called since. Now I 'm reporting them everywhere I can, so I can warn others.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
i have disputed this with cfpb before and need help the keep manipulating my credit report this week alone they lower XXXX point with no reason when a car loan company and total credit card tried to report my account they could not please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: AMERIPRO FUNDING, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
In late XXXX of XXXX, my wife and I decided to purchase our first home together. After careful consideration, we decided to build our dream home and use my VA loan for the first time ( 11 year and XXXX XXXX veteran ). We decided to use AmeriPro as our mortgage lender after being referred from a friend and seeing a positive record of being Veteran friendly. In XXXX XXXX, AmeriPro gave us a conditional approval and the builder decided to build our dream home. During the next few months, I personally worked hard to make sure we hit every single condition. Over those months, we were occasionally assured by AmeriPro that everything was on track to close on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, AmeriPro contacted us and stated my wife had to be on the job for six months before we could close ... Although this was very frustrating in the last minute notification, we understood the oversight and decided to wait out the remaining month until she hit her six month mark at her current employer ( XXXX XXXX, XXXX was the six month mark ). We contacted our rental agency and placed our 30 day notice, being assured there was no reason why we should n't be able to close in XXXX. We were told now that XXXX XXXX would be our closing and nothing should prevent us from closing on that date. Ten days before closing ( XXXX XXXX ) we were confirmed to still close on XXXX XXXX, XXXX. A week before closing, the bottom fell out from underneath us, AmeriPro called and said there was no way to close on the XXXX of XXXX, XXXX because the VA required my wife to be on the job for a year. We pleaded that this was NEVER part of the conditions list and that we were now at risk of losing everything ... our {$10000.00} deposit, our current home ( rental ), the rental deposit, additional moving expenses and .... our dream home. AmeriPro apologized, but said there was nothing they could do and it was an oversight on their part. The piece that made this so frustrating is AmeriPro did n't care that a US Veteran was going to be homeless with his family and took ZERO accountability for their mistake or lack of professionalism and communication. On XXXX XXXX, my family and I were forced to move in with relatives, rush to get our furniture placed into storage and take on additional expenses. The lack of accountability and communication from AmeriPro is totally unacceptable. At a minimum, AmeriPro should have offered to come up with another solution, pay for the additional moving expenses and temporary housing ( at least 2-3 months ). I would hate to see anyone go through something like this as I 'm sure the mortgage industry is not set up to see people frustrated and homeless.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Due to a family hardship, I am working with XXXX XXXX XXXX to eliminate my credit card and signature loan debit. XXXX of my creditors Springleaf Financial continues to call me at work and at home even after they have received the cease communication notice and I have also told them not to call me at work because I 'm not allow to have personal phone calls. At XXXX point the XXXX XXXX XXXX XXXX of Springleaf ( XXXX ) transferred out of my work voice mail and got my Manager to transfer the call to me.The message the XXXX XXXX XXXX XXXX XXXX left on XXXX/XXXX/16 on my cell and on XXXX/XXXX/16 on my work voice mail said that he turned down XXXX settlement offer and would not work with them. He wanted me to make XXXX payment or he was sending the account for wage garnishment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
Company: National Credit Systems,Inc.
State: NC
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:
this company has kept on its record an account that is fraudulent was from my identity being and stolen and used to receive goods and servicews without my permission this company keeps this fraud account on their records in additoin to reporting it to the credit bureaus when knowing it is fake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan for {$42000.00}. 
The first month payment was {$3500.00} and then it was {$2500.00} a month after that. After almost a year of paying I called requesting a pay off amount. They told me the pay off would be almost {$47000.00}!!! I do n't understand how the balance goes up? 
Please help me resolve this. I have not missed a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I never established accounts or know anything about the following XXXX creditors listed on my credit report XXXX XXXX reported by Equifax, XXXX XXXX XXXX reported by XXXX, XXXX XXXX reported by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
After I submitted a complaint to Wells Fargo then the CFPB about the misleading advertising on their Wells Fargo Rewards card, Wells Fargo responded to both and did not do anything except dismiss the claim and point to their lengthy terms and conditions as evidence they are in compliance with their own terms and conditions. Then on XXXX/XXXX/16, I received a statement from Wells Fargo showing that they forfeited XXXX points on my Wells Fargo card because I complaint to the CFPB when I am not supposed to. I contacted Wells Fargo customer service and they told me the same thing and will have a floor manager contacted me within 5-7 business days to further explain the rationale the points forfeiture. It is unethical for Wells Fargo to punish a customer for raising a complaint about bad customer service or misleading adveristing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Was requested for 2 month deferment on loan for XX/XX/XXXX & XX/XX/XXXX loan payment. I advised that had scheduled date to return to work on XXXX 2016. Due to nature of restrictions to return to work, I was unable to work to this date. I received a call XX/XX/XXXX from a gentleman advising that extension was approved, and that an extension letter was sent out. I requested for a the letter to emailed or faxed to see the terms & conditions immediately & he stated not to worry about it was mailed out.. In addition, I requested for months to add XXXX insurance & change my payment due dates because my current situation which is only temporary .. My car has been repossessed as of XX/XX/XXXX, they revoked the 2month extension, now requesting {$2700.00}, which includes 4 months of a payment 0f {$490.00}, {$240.00} late fees & {$530.00} repossession fees, re-registration of my car & $ 35 day in storAge.. An car is mandatory where I reside, especially to get to doctors appointments & place of employment .. I need my extension to be restored, along with Late fees & this repossession fee as long I agree to cover the payments for XX/XX/XXXX & XX/XX/XXXX .. In addition to changing my payment dates to the XXXX of the month.. I can find a way to stay on top of my payments & do what I need to do to ensure I will no longer default on the Loan..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Penn Credit Corporation
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
There is a company named Penn Credit Corporation keeps calling me and I have never even heard of these people. 
I do n't owe anybody. Can you please have them stop calling. They have been calling for months. Their phone number is XXXX. Thank you for your help. I marked the above form as I did because there was no place to put " other '' situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all three of my credit reports i did previously contact XXXX of the credit agencies nothing was fixed. In XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief