BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get SPS SERVICING INC to lower the mortgage payment on my home and they refuse to grant me a modification, I send the all the information that is required for the modifiction.? I ask them why they told me the first time I submitted all the information that my I come was to high for the modifiction? Then I was told by thier office just use my icome and my daughter income? Then they said me and her still did not qualify for the modifiction because our income was to low? I also ask them, why and what about the harp program they said we did not qualify for that? i is that not the program that is to help people like me and my daughter to save our home? I was told that was unfair tactics that was using not to help me save my home? I do n't know a lot about the housing market and how it is supposed to work please help me. Just wanted them to lower my payment, my husband is decease and yes he was a veteran. Please help me and my family to keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: KY
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:
In XXXX XXXXXX/XX/XXXX and XXXX, there were 2 accounts opened by XXXX when I had asked for a credit card. Un beknown to me they created 2nd account and sent me a card in the mail along with access to a digital card the day I had applied. I was unaware of the 2nd whole new account created. When I had made a purchase with the digital card, I had made my first payment on time and signed up for auto pay to make sure that it was being paid in full in the event i make a purchase. We had went to the store in person and made a purchase using the physical card, we were under the impression that the physical card was an extension of the digital one and they were linked and the bill would be auto paid as set up prior. Since XXXX XXXX had 2 accounts created for me I was never made aware that i owed a balance on a separate credit card under my name. This resulted in a 60 day late show up on my credit report, and lowered my scores. 

I had asked XXXX to fix this mistake. I was given one excuse after another. They would not acknowledge the 2 cards being opened, my credit report shows otherwise and I had to escalate the matter. Upon escalation, I was told there would be an investigation and this matter would be resolved... fast forward 2 weeks, receive a notice stating that they were not going to fix this. I have went above and beyond to resolve this matter and they are unwilling to correct the issue. There is no reason why I would want 2 credit cards opened with XXXX XXXX and both created 1 day apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Originally filed for loan modification with XXXX XXXX XXXX in XX/XX/XXXX latter part, they sold mortgage to Select Portfolio servicing but not until they had set a sale date.I filed a complaint with you and once Select picked it up they stopped sale and allowed me to start new modification I immediately sent in all docs, not once but several times I was sent confirmation they received all and that no more was needed.i waited, sent emails to relationship manager unanswered, but received letters stating they received my request for status.Never was there a request for any more info. Then yesterday I received a sale date of XX/XX/XXXX.I immediately phoned and was given the run aaround and a list of docs still needed and was told they tried conacting me by phone to a number I NEVER gave them or ever had ( they have phoned me on line given in modification papers. Was told that I can resubmit but that it WOULD not stop the sale date if not in review and completed. Is this not Duel Tracking?????? I am sick at this point. I have complied with everything from the get go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: JPMORGAN CHASE & CO.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX, I scheduled XXXX transfers from my accounts at other banks. I received a voice mail to call money movement at XXXX. I called and Chase rep made a conference call with XXXX XXXX ( the other bank ) to verify funds. Chase verified everything and no other transfers required verification. But, this second transfer was rejected because someone did not follow thru. 
While I have received good to great service from other departments at Chase but not from XXXX XXXX XXXX XXXX. 
I would like to know why this transfer was rejected after confirming that no other verification is required for other transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2020-08-09
Company: RAS LaVrar, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received a letter from RAS XXXX on or about XX/XX/XXXX about XXXX alleged debts from XXXX XXXX. 

Their letter was deceptively dated XX/XX/XXXX and said I had 30 days to dispute, which was already past from the date. 

Whether this was an error, intentionally deceptive or there was a huge delay in the mail is unknown. 

My rights are 30 days from receiving though. 

On XXXX, I received mailers from attorneys stating I had a lawsuit already filed against me. 

I immediately sent my dispute letters via XXXX using Certified Mail w Return Receipt. 

Debt Collector initiated lawsuit with no notice and only an initial communication that was dated wrong. 

Also, the debt is not mine and has now been disputed. Debt Collector should withdraw lawsuit and cease any further collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Altisource Portfolio Solutions, S.à r.l.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called my place of employment. The caller said that this was a personal business matter and asked for my social security number twice and then asked for my birthdate to comfirm it was me that they needed to speak with. I asked the caller what does this pertain to and his name and company who he is with and he would not tell me until I gave him my social security number and birthdate. I told him that this is a scam and I am not giving such information out and I told him to stop calling or I would report him. I work for the government and this caused a security breach within my department due to the nature of this call. I was highly embarrassed and my supervisors are all concerned due the the nature of this call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Entrata Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This company is reporting inaccurate information. They are reporting a judgement for {$120.00}. I have NO clue where this is from. I have tried to dispute them personally and they refuse to delete this information. I have disclosed laws that they are breaking for reporting inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a judgement from XXXX for a vehicle purchased for XXXX thru Chrysler Credit from XX/XX/XXXX?? Been so long I do n't remember. When the economy went bad in XXXX we had to let it go, and returned it to the XXXX dealer in XXXX Mo. After that we received a letter stating the vehicle had been sold at auction for XXXX, reducing the amount we owed to XXXX. At the time we also lost our home, so the vehicle was not at the top of our priorities. Today, 11 years later this company continues to garnish my wages. They show I have paid XXXX and still have a total due of XXXX! A year and a half ago, a relative had me ask them if they would accept a settlement, I gave them an offer and they laughed. They said they would accept XXXX. My wife has become ill and has been diagnosed with XXXX called XXXX, she can not work and is in XXXX. When they renew their wage garnishments every few months, our income gets tight, and we can not purchase all of her medications sometimes. The worst thing of all, Chrysler does not even have a record or account with my name on record anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been a customer of TD Bank for a few years now. I recently learned that this bank is charging me about {$5000.00} in overdraft fees from several bank accounts that I 've had with them. Till this day I do n't have any stamens explaining how the overdraft and these accounts accured. However I also learned that TD Bank has been sued and the pass for illegally charging people overdraft fees on their accounts by we are arranging the order of transactions from the highest number to the Lowest number in order to charge overdraft fees per transaction. I recently had a account that was closed by them because they stated the account was overdrawn over {$700.00}, after the account was closed I had a deposit come in for {$930.00} which was a payment from my employer from a pension. I contacted the bank and requested to get my money from them as the account was closed I also received a statement from them telling me that my balance was XXXX on that account and they had a deposit of {$930.00} in my account. I tried speaking to a general manager at the TD Bank XXXX XXXX XXXX XXXX and he was not very helpful. also called TD Bank 's when he XXXX number at the regional office in New Jersey and the customer representative on the phone was not able to help me. I am seeking information on these accounts and have these overdraft fees wiped by TD Bank I am seeking information on these accounts and have these overdraft fees wiped by TD Bank and I am also seeking my check of {$930.00} to be returned by TD Bank to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: MRS BPO, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have never received any communication in writing in regards to this debt. Had I received communication, I would have disputed this debt within the 30 day validation period as it was paid directly with the original creditor. I have received numerous calls to my cellphone, although I have never granted permission to this company to call my cellphone. The calls come in multiple times a day and the line is disconnected as soon as I answer. My cellphone being called repeatedly without permission is abusive harassment. I have also attempted to contact this company when they reported this to my credit. However, the computer prompts never direct you to an actual person so I can ask where to send my proof of payment. I did not authorize my information being sent to a third party collection agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Account with Comenity Bank ( XXXX XXXX Credit Card ) was setup in autopay. On XX/XX/XXXX statement, a new purchase balance of {$51.00} was on the account. Per the attached statement : {$51.00} will automatically be deducted from your checking account on your payment due date. This Amount includes the total of your regular revolving credit plan purchases, cash advances, and past due amounts plus minimum payments due for any promotional credit plans. 

The bank failed to do so, on on the next statement on XX/XX/XXXX, an interest fee of {$4.00} appeared as a result of the unpaid balance. 

The bank has refused to explain why the payment was not automatically deducted on or before the payment due date of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Prestige sound like another vehicle was purchased under my name.Without my permission or consent.Do n't have a clue of who would forge my name like this so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX came to my house and spoke with my daughter who was XXXX at the time and convinced her to let them install insulation. I did not want them to do this and never contacted them to do it. I never meet with them was not even home when they came to do it. Never had any dealing with the company, never signed a contract no one had authorization to sign on my behalf. the first time I knew about this happening is getting a bill in my name. I have tried to contact the company with no response and have contacted the collection agency to inform them that it was not my debt. was inform that it is to bad that i had to pay. It is not my debt. I did not authorize anything. was not home to know anything. I am not responsible for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09
Company: HILLTOP HOLDINGS, INC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My initial interest rate was locked for 30 days. I was not given a choice of how long I wanted to lock my initial interest rate. My original closing date was XX/XX/2020. My interest rate was initially locked until XX/XX/2020. My closing date was pushed to XX/XX/2020. I was charged a fee ( over {$300.00} ) to keep my interest rate locked until XX/XX/2020. 

I was never notified in writing or verbally that there would be any fees if my interest rate expired before my closing date. I was instead charged in my closing disclosures the extension fees. 

I looked on the loan website to see if there was any information available about possible consequences if an interest rate locking expired before the closing date. The only information I could find stated " You can lock in your rate for up to 180 days ( additional restrictions and fees may apply for lock terms in excess of 90 days ). This guarantees your rate lock for the entire lock period. '' To me, this reads that from 0-90 days there is no fee. I was not given the option if I wanted to initially lock in for 90 days. Additionally, my closing date ( XX/XX/2020 ) does not exceed the 90 days, but I am being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
please remove the following account inwhich is unknown to me nor is my responsibility 1 ) XXXX Card Services

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 2015-08-13
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
sent payments for account with the collection agency and demanded written proof of the account being cleared and paid along with written proof being reported to all 3 credit bureaus. conversed by phone and written letters and was promised documentation via phone XXXX/XXXX/15. since then 2 additional letters were sent and the last certified mail and demanded written confirmation within 7 business day after receipt. i have received nothing to date. copies of cancelled check available.

Company response to consumer: Closed
Consumer complaint received 2016-04-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had someone forge a check for {$2000.00} and my bank cashed it even though the signature was not a match and she used my bank card. A police report was filed and she was charged although my bank gave me back for the card transactions but will not for the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: GA
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:
My account has been paid in full since XXXX and XXXX has yet to update my XXXX balance and account status to the three major credit bureaus. This is causing my debt to be higher than it actually is and is affecting my credit score and profile. I've contacted the credit bureaus and the company and I still have not received an update.

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 2015-05-14
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Constant calls to my place of business. Always a recording, when I hold for a rep, call hangs me up so I never get the chance to speak to someone to question the legitimacy of the call. 

Recorded call dials in XXXX times a day, everyday including weekends.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: TMX Finance LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
titlemax called me many time telling me to contact them. 

I answered one of their calls. told them I had no business with themthey called me a liarthey wanted me to give them personal information which would have allowed them identity fraud on methey kept telling me to XXXX payment and I never dealt with them ever in my life. 

I tried to be nice and explain they had the wrong person. 

when I asked how they got my phone number, they said it was in their " system '' they said I live in XXXX, I never lived in XXXX. I told them numersous times I did not live in XXXX, never did, they kept telling me I was a lair. and was lying to them. and to fess up and make payment. 

this is unacceptable harassment and trying to collect money from me and I never had had any dealing with themtheir phone number isXXXX

Company response to consumer: Closed with explanation