BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS is trying to foreclose on our home after I was laid off due to covid and we got behind on our payments and applied and received a loan modification. We are able to make our payments at the regular amount but they are insisting that we owe over 10 thousand in late and other fees. 
temization of Amount Required to Cure Cure Date : XX/XX/2022 AMOUNT REQUIRED AS OF XX/XX/2022 TO CURE THE DEFAULT {$10000.00} Payment due for XX/XX/2022 {$4500.00} Total amount due includes Escrow Payments ( Taxes/Insurance ) of {$730.00} Accrued Late Charges {$5700.00} Advances made on Customers behalf {$15.00} Escrow advance balance ( Deficit ) {$0.00} Total Amount Outstanding {$10000.00} Unapplied balance {$0.00} Dear Customer ( XXXX ) : The mortgage loan on your property is in default as a result of your failure to make payments as required by the Note and Deed of Trust or Mortgage ( Security Instrument ). We have previously sent you letters and communications regarding this default in an attempt to resolve this matter. This letter provides information about the default and what rights you have to cure the default. Select Portfolio Servicing , Inc. ( SPS ) services your mortgage loan and has been instructed on behalf of the holder of the promissory note to pursue remedies under the Security Instrument unless you take action to cure the default before the Cure Date shown below. The Noteholder on your Loan is XXXX XXXX XXXX XXXX, as Trustee for the XXXX Mortgage Loan Trust XXXX, XXXX Mortgage XXXX Certificates, XXXX XXXX ( c/o SPS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ). 
This letter provides notice of the following : The Default You have failed to make payments under the Note and Security Instrument as shown below. This letter is a formal demand for payment. 
Action Required to Cure the Default To cure this default, you must pay the Amount Required to Cure together with paym

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
They company that I am filling this complaint is called XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They seem to be a high risk loan company with very high interest rates. When I purchased the XXXX XXXX XXXX I knew my financial situation and at the time was making good money so I did n't have a vehicle at the time so I purchased this impulse but. My payment was {$420.00} a month now it 's fine up to {$480.00} a month, they are charging me insurance late fees plus a {$10.00} over the phone charge. This company will start calling since my 1st months payment on the day my payments due and will call 4 to 5 times a day. They tell me the 10 day grace period period under California law does n't apply to them and if I read the contract they said they can use any means to try and collect in the debt. I 've asked for proof of their insurance and they have refused to this day to provide me with any. My check engine light has been on since I bought the car, which it never would of passed smog with it on. They used, used catalytic converters to try and get the light off. To this, day the light is on and wo n't pass smog. They offer in their emails to help but only make a deal to get a payment. Their ruthless when they call and will call from over 20 different numbers. They 've left rude messages on my phone. " Like oh my god I almost told him it was veros credit '', not realizing she had n't hung up yet. I would also be interested in a class action against this company. Since all of this I went and bought a brand new XXXX XXXX XXXX about a month ago. I have no more intentions on paying on a vehicle that has no chance of paying smog without paying the out of pocket expense to get it legal to pass. I would appreciate any feedback or advice, or at least kept In the loop of any action taken against this company. I have plenty of proof with the amount of calls I have received from this company and just from the XX/XX/XXXX i have over 25. Thank you for your time. XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: I.C. System, Inc.
State: NJ
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:
In XXXX of XXXX, I had a billing dispute with XXXX XXXX. As a result, XXXX XXXX stated I owed XXXX dollars. I disagreed and grieved the bill through XXXX XXXX. I never heard back from XXXX XXXX. Yesterday, XXXX/XXXX/XXXX I applied for a 30 year fixed mortgage. I wa advised that my credit that was over XXXX points last year was now XXXX. This adversely increased what my mortgage rate would have been if XXXX XXXX or the collection company had allowed me the opportunity to grieve or respolve the dispute. As a Result, I was forced to pay a bill in hopes the adverse bill could be reversed. This is extortion. I requested notification and records of the notifications of this outstanding bill that neither XXXX XXXX nor the collection company would nor could produce. I repeat, I was never notified that my credit was going to be adversely affected by XXXX XXXX nor the collection agency. After I paid a bill I was never notified about, the collection agency stated I would have to call XXXX XXXX to have this blemish removed from my credit, when I called XXXX XXXX, they stated I needed to call the collection agency. Someone needs to be accountable for this bully tactic. I am available for further comment or information if necessary.

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 2017-10-19
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: Personal information incorrect

Complaint:
XXXX I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine. 

XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX  Present Employer : XXXX XXXX There is no XXXX Staffing plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the XXXX was confirming this names they would no there not right there is no staffing temple as stated. 
XXXX is all Hospitals which they have several there not no staffing company. 
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX no such address nor have I ever live there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong this is a condo not an apartment XXXX  updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2019-01-16
Company: National Credit Adjusters, LLC
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On credit report it shows the account is open when the statutes of limitations is exceeded as closed. The date the account was open was XX/XX/2013. the amt was {$440.00}. I understand that statute of limitations on this loan is 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: TN
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/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the 57th day, I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My information was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: MORGAN STANLEY & CO. LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested my mortgage servicer escrow and pay both homeowners insurance and property taxes. My servicer has not complied, and have requested the same documents over and over, despite me already having sent the requested documents in a timely manner. My insurer informed me that my annual premium was not paid. The servicer has everything they need to calculate the escrow and pay the insurance and taxes. I am making no progress through the numerous letters I have sent, nor have they complied with my request for information under RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I started being contacted by Portfolio Recovery Associates in XX/XX/XXXX, I have disputed these 2 accounts twice and asked for proof of verification on the accounts. I was left voicemails on XXXX telling me if I did not get back in touch with them regarding these accounts I would be sued and I needed a lawyer to speak with them regarding the account. My last dispute was XX/XX/XXXX and they have yet to validate this debt but continue to call and leave voicemails telling me what will happen if I did not pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: MI
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:
After multiple attempts to have items removed from my credit report. I was turned away and treated unfairly concerning my disputes.

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 2021-07-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX a payment of XXXX was made for services that were never rendered. Within 90 days from the payment date a dispute was opened with American Express on XX/XX/XXXX regarding my dissatisfaction the services we did not receive. As the issuing cardholder I uploaded documents and stated the case that under the FTC I was dissatisfied with the Quality of Goods and Services I did not received from this merchant. The credit that was posted was recharged on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
State: CA
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 was at XXXX XXXX apartments today XX/XX/19 because I need to rent an apartment by next month but when they ran my credit to see if I qualified to rent there, I was told that I didn't meet their credit requirements ; I was confused because I have always made sure to pay everything on time. I looked at the credit report they pulled and I saw that there were several accounts in negative standing that aren't even mine. I did not open any of those accounts and I have never allowed anyone to open them in my name. I have no idea who these accounts belong to or why they are on my credit. I did not gain anything at all from these accounts nor did I ever make any purchases or payments towards any of these accounts. I am not affiliated with any of those companies in any way and I have already filed a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: UMB FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
1 ) On XX/XX/2020 I applied for an UMB checking and savings account with the following offers : + Get a {$300.00} checking bonus when you complete the following requirements : Set up a UMB Visa debit card and complete 15 debit card transactions Enroll in online banking and set up online bill pay and complete two online bill payments Have direct deposits totaling {$1000.00} or more into the account + Get a {$200.00} savings bonus when you complete the following requirements : Open new savings account and fund it within 60 days of opening checking account 2 ) XX/XX/2020 : My checking and savings accounts were both funded with {$100.00}, and the {$200.00} bonus was also deposited by UMB to my UMB savings account. 

3 ) On XX/XX/2020 I called UMB Bank to setup online banking. I received my UMB Bank debit card in the mail. They said both checking and savings accounts were funded with {$100.00} each and that UMB deposited the {$200.00} bonus into my savings account. The bank rep requested that I send via a secure email additional verification documents : Driver 's Lic, Social Security, Utility Bill, and current Bank Statement from a different bank. I sent the requested docs the same day. 

4 ) On XX/XX/2020 I called UMB Bank to confirm that they received the requested documents. The bank rep said my accounts were funded and open. 

5 ) On XX/XX/2020 I called UMB Bank to setup online banking. The bank rep said UMB received all the verification documents requested. Then the bank rep said both my checking and savings accounts will be closed, so online banking can not be setup. The bank rep refused to explain why my checking and savings accounts will be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: CA
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 have requested information/ documents on accounts that I feel were not mine and inaccurate the disputes occurred XXXX Credit bureaus have failed to conduct the proper investigation on accounts disputed. With no response for over 30 days and when receiving letters of investigation no documents where provided to prove the accounts where accurate and mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account with Bank of America onXX/XX/XXXX -- entirely because of a promotion that was being offered ( I would never have opened a bank account with BofA otherwise, given the company 's horrible record of treating consumers, especially minorities, badly ). The promotion advertised that the account holder would receive {$300.00} if, within the first 90 days of opening the account, over {$4000.00} of direct deposits were made. I adhered to the terms of the promotion, with XXXX XXXX my employer ) directly depositing {$2600.00} on XX/XX/XXXX and {$2600.00} on XX/XX/XXXX, for a total of {$5300.00}, within XXXX days of opening the account ( well over the {$4000.00} required ). I contacted the bank on multiple occasions, and every time I spoke to a representative he or she never mentioned that there was a problem, only that the maximum amount of time BofA had to deposit the {$300.00} was 180 days ( though I do not believe this is actually the case, either ). I waited the XXXX days and went into a local branch at XXXX XXXX XXXX in XXXX XXXX, CA XXXX, onXX/XX/XXXXand spoke with a representative, XXXX XXXX, who told me that Bank of America had incorrectly ( he agreed it was the bank 's fault ) identified the direct deposits as transfers and had thus decided to not reward me with the {$300.00}. I am highly skeptical that this was a 'mistake ' and believe, rather, that this is systemic abuse of consumers. 

Note : I have attached communication from Executive Advocate XXXX XXXX. Since receiving his communication, I attempted to call him multiple times and never heard back from him. It is almost impossible to get in touch with anyone at Bank of America who can do anything about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for this card in XXXX through the University of XXXX  XXXX and they received some benefit from the card. I used the card extensively over the years. My last use of the card was in XXXX of XXXX. Today, I received a letter from the Bank of America that informed me that my credit card had been cancelled effective XX/XX/XXXX. It was closed due to lack of activity. I had a high credit line. 
I called Bank of America with the expectation that they would reactivate my account. I was informed that once they cancelled a card, it could not be reactivated. My only recourse would be to apply for a new card. 
I asked about why there was not a notification that they would cancel if there was no activity on the card. I was told that they began cancelling cards without notification in XXXX ( about COVID time ). They had such a negative response to that policy that they have now again started to notify people when the card was in danger of being cancelled. I was just unfortunate enough to be in the time window when they di

d not notify, they just cancelled. My real complain is the great impact that this unilateral decision will have on my credit score. Since one of the
criteria is length of credit, the 24 years that I have invested in this card are gone. Additionally, the high credit limit that I had no longer reflects as available credit in my report. This also h

as a negative impact on my credit score. Finally, if I re-apply for a card, as I was encouraged to do, it will further damage my credit score since it will reflect as a new credit inquiry. I do not think it is right for a company to unilaterallty make such a decision that can so negatively impact a co nsumer. I also do not think that it is a good policy for a customer service organization, such as a bank, can not have a simple remedy for a consumer that would alleviate all of this.
A first solution would be to notify the consumer of a possible suspension of their card. To their credit, Bank of America told me that they are again making those types of notifications, but there is no solution for those situations they have already created.

A second solution should be empowerment of their customer service personnel to quickly rectify this situation where they discontinue service without notification. I presume that is a company by company decision, and I think Bank of America has dropped the ball on having a simple solution.

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 2021-07-23
Company: AES/PHEAA
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation