BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back on XX/XX/XXXX I asked SPS ( Select Portfolio Service ) to provide me with Payment History from XXXX through XX/XX/XXXX. I made this request via phone. Unfortunately, SPS could only provide from XX/XX/XXXX through XX/XX/XXXX. The reason I needed this information is I was trying to refinance my home and had locked in at a very reasonable interest rate. I need this information as I had a second lien on my home through the XXXX XXXX XXXX  XXXX XXXX ). They had provided financial relief for me to stay in my home in XXXX and XXXX. At that time XXXX XXXX was the mortgage holder. When it was sold to SPS in early XXXX, the history was supposed to be transferred to SPS. I request it as said in XXXX of XXXX, letting SPS know I need the information, or I would have to pay {$32000.00} to have the lien released. They kept denying they had the full data saying that was all the had received. There should be accountability to them as well as XXXX XXXX. They had part of the information as well as my load modification, but not the full history. The XXXX would not accept that, and because of time restrictions and Interest rates rising, I had no choice but to move forward and include the additional {$32000.00} in my refinance and close the deal. There should be laws that make financial institutions save history for cases such as this and penalties if they do not. I believe SPS lost the material or, if they didn't get it should pay me and then go after XXXX XXXX if they didn't supply it. See all letters to and from SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX executed a hard inquiry without my knowledge or consent in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: COAST PROFESSIONAL INC
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Coast Professional, XXXX, LA contacted me by mail. Late XXXX, 2017. They back-dated the letter, and every one since. I have seen/heard nothing about this in 12 yrs. Now - big hurry, garnishment & more threatened ( in cloaked language ) and they are railroading me. Blizzard of mail. From FSA too ; a gov't agency!
Now : they failed to send a LEGIBLE copy of the Note. They both mis-represented, grossly, my right to dispute ; and seem not to want to allow me to do so. Coast & FSA too omits to tell me of options that I may/do have - and send me the wrong dispute form. They ignore my questions ( few & germane ). Wo n't give me time to dispute, in essence. Treading on my rights. They under-credited me for payments made ( I have documentation ). They allege an inflated total, therefore. They both say they can get a 20 % commission, by law, to collect. In fact the maximum is 18 % - yet they state I " will be required to pay 20 % '' to them. Over {$5000.00} - motivation for them to press me hard and in short time frame. My supporting documents are ( 1 ) I ca n't transmit them online from this terminal I have no USB camera/phone ( 2 ) some are in storage 300 miles away ( 3 ) my letters in response to theirs - same as ( 1 ) above. Snail mail seems to be my only choice, so far. Any suggestions? XXXX go ahead & email me. Nothing to hide here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize nor did I authorize the following inquiries to be made : XXXX XX/XX/XXXX Equifax Mtg XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is attempting to collect a debt without verifying its accuracy. XXXX has misapplied funds that were paid on my account and I have requested a payment history several times so that I could match my payment. I have not to this date received them.

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 2018-05-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have very big concerns regarding my home. Select Portfolio Servicing has placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review. 
SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale up on the trustees site and when asked SPS they say its still active. How if im in review. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow charges in the amount of {$370.00} were placed on the bill allegedly for lack of proof of insurance in XXXX of XXXX. 

Proof of insurance is scanned into UWM system on XX/XX/XXXX @ XXXX AM. 

Then loan was sold on XX/XX/XXXX, with these escrow charges even though proof of insurance once again was scanned into the UWM system on XX/XX/XXXX @ XXXX AM before the sale of the loan. 

The current lender notes that UWM must remedy this issue to remove incorrect escrow charges from the loan purchased from UWM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with JP Morgan Chase. XXXX is our homeowners ' insurance company. We have lived in this same house and had XXXX as our homeowners ' insurance since XXXX. Last year in XXXX of XXXX, I got a notice from XXXX stating that my homeowners ' policy was going to be canceled due to nonpayment. After hours on the phone, I discovered that Chase took money out of my account and paid it on behalf of another customer to XXXX or another insurance company. No explanation was given as to how this mistake happened. I have just received the exact same notice from XXXX this year stating that my policy is going to be canceled due to nonpayment. Since XXXX has confirmed that my information with them is correct, it is apparent that Chase has made the same mistake twice. I have statements showing they took an incorrect amount of money out of my escrow account to pay my insurance, but XXXX never received that money on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: PA
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 like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX By mail in XX/XX/XXXX about a debt they alleged I owe. I sent out a letter in response XXXX, XXXX to validate this debt I allegedly owe, because I didn't know who this company was and I have no contract with them. They responded on XXXX, XXXX, XXXX with private medical information and procedures that is in direct violation of HIPAA that I never at anytime authorized them to have or share! They also responded on XXXX, XXXX, XXXX. The communication on XXXX alleged I owed {$300.00}! The communication on XXXX alleged I owed {$160.00}. Both threaten reporting to credit bureaus. This debt has already been reported prior to the communication between them and I. Some damage to my credit has already accrued. My private medical information was sold to this third party by " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO. XXXX '' to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX '' without my knowledge or authorization. Violating my privacy rights

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 2019-10-15
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a new auto loan pop up on my credit report that I did not approve. I contacted XXXX, which I was employed with at the time and found out that they sent in paperwork for a customers vehicle in my name. I quit, filed a police report, and ftc report within a few months of the incident. I contacted WestLake FinanciaXXXX and they were unwilling to accept all of the documents that I have submitted to them. I have been ignored by the main contact that has been assigned to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXXat XXXX I recieved a call from XXXX at Wells Fargo Dealer Services from the number of XXXX XXXX XXXX. He was asking when I would be making my XX/XX/XXXX payment because I was close to going 30 days past due. I explained again that I was not able to pay until XX/XX/XXXXbecause of unexpected medical expenses. I explained that I would be making the payment of {$380.00} online on He offered me some assistance in the form of a " due date change ''. He said that if I made the payment of {$380.00} by XX/XX/XXXX I could call or go online and request a due date change and move my next due date until XX/XX/XXXX. He explained that I would be moved out of a past due status and would n't be paste due any longer. I would start fresh and be current in XX/XX/XXXX. As promised, I make the payment online on XX/XX/XXXX. On XX/XX/XXXX i went back to the website after the payment had posted to request the due date change XXXX had offered me. It gave me # ' s XXXX to choose. I selected XXXX and clicked submit. They system showed my next due date as XX/XX/XXXX. I was confused because I was told me next due date would be XX/XX/XXXX. I called back to clarify. XXXX answered thephone and I expressed my concern. I asked why my next due date was showing XX/XX/XXXX and not XX/XX/XXXX as I was promised. He explained the due date change process and I assumed assured him that was NOT what offered to me. I was n't being offered ANY assistance at all, just making my account less days past due. I told XXXX that I felt he was very deceptive on our first phone call on XX/XX/XXXX. I specifically asked if I would no longer be past due, and he said yes! We ended the call with no resolution and I feel very manipulated and deceived by Wells Fargo Dealer 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 2021-08-28
Company: FIRST ADVANTAGE CORPORATION
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Approximately on XX/XX/2021 I applied for a Job with XXXX. I passed the drug test and was waiting for my background check. When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. When I called the credit reporting agency the first two reps refused to open a dispute and told me I can dispute it after my arraignment. I subsequently called again and was able to open a formal dispute. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a XXXX XXXX XXXX, and this industry wide practice is not only unfair but will put XXXX XXXX XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. 

In addition to XXXX, XXXX also ran a background check from XXXX XXXX again by XXXX and now my ability to do contracting work is also affected. I will open a formal dispute with XXXX as well but the description is the same. 

" When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a XXXX XXXX XXXX, and this industry wide practice is not only unfair but will put XXXX XXXX  XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company is filing fraudulent mortgage assignments with my Recorder of Deeds Office in attempts to steal my home. They are not a party to my real property and it has not been legally assigned to them.

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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX XXXX account had been charged off, and the vehicle has been returned to XXXX XXXX XXXX. There appears to be an increased amount added to my charged off auto loan in the amount of {$770.00}. How can my account accrue charges if its charged off and closed? I want this item removed from my credit reports. And I will continue to dispute this being added after the vehicle had been returned to XXXX XXXX XXXX and the vehicle is charged off. Im a XXXX military Veteran on a fixed income and do not need the extra burden that having this added to my account is causing. Im also an employee at the Veteran Affairs Hospital in XXXX Texas, on a limited schedule, and I am exposed to patients with Covid-19 on a daily basis. This is an unnecessary burden affecting my credit as if I didnt already have enough to worry about, having almost been evicted and facing homelessness in the wake of this pandemic affecting lives across the globe. They have their car, so I want my credit reports corrected.

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 2020-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I have resolved an auto loan with USAA for XXXX XXXX XXXX The account had a derogatory status and still shows balance owed USAA have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been 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 2017-09-07
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On the XXXX the of XXXX I checked my credit report after receiving an alert that a new collection accounts had been added. The account has been removed several times and this company keeps placing this on my credit. The debt is not owed and negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: AXOS FINANCIAL, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the early morning of XX/XX/XXXX I had my phone and wallet stolen. The person who had stolen it, used my credit and bank cards to spend throughout various places in XXXX and the XXXX. I immediately reported all of my items lost to the respective companies and reported all fraudulent charges as soon as possible ( roughly between XXXX XXXX  on XX/XX/XXXX ). 

My credit card companies immediately refunded the money spent fraudulently and conducted their own investigations. However, AXOS Bank who manages my checking account claimed I would be protected but after XXXX XXXX, I have had my claim for {$1600.00} rejected twice. Upon asking why this was the case and if i could have documentation, they have sent me to multiple different customer service representatives who were unaware of the situation. Further when I was finally able to speak to a supervisor, she told me the claim was denied " due to investigations made by upper management. '' I am now over XXXX XXXX  since the initial investigation was conducted and denied and still have not been given any information as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trans Union credit reports has new personnel across the ocean that lies, doesn't do what there company objective is and doesn't do proper investigation even if it is right in front of their hardly speaking XXXX selves. 
XXXX. XXXX XXXX on XXXX put Hard Inquirey on my credit report even though there was a credit freeze. 
XXXX. I called Transunion up and hardly could understand American credit reporting agencies personnel that valiantly lied then hung up phone. I called back and told them it would be impossible to out inquire in file because it has been frozen year 's. Then they demanded police report but police laughed when I called them and told them indians from XXXX hung phone up and demanded police report for hard inquiry that should have been impossible to out on. Finally I demanded fcra investigation section 609 and 611. Of course they didn't know what fcra was? XXXX should be embarrassed to have XXXX representing them. They are bottom feeders. I want this hard inquiry off or the step by step investigation that is federal and state law.

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