BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I WAS UNDER LOAN MODIFICATION REVIEW TO BE CONSIDERED FOR A TRIAL PAYMENT BUT I JUST FIND OUT TODAY OVER THE PHONE THAT THEY DO NOT HAVE ANY PAPER WORK ON FILE I DO HAVE POST OFFICE RECIPT AND BACK ON XX/XX/XXXX THEY TOLD ME OVER THE PHONE TO WAIT FOR THE TRIAL PAYMENT AND NOW THEY SAID THEY DO NOT HAVE ANY MODIFICATION OPEN AT ALL THAT THE LAST ONE CLOSES BACK ON XX/XX/2014 THIS ANLAWFUL PRACTICES ARE GOING ON SINCE THEY BECOME THE COLECTORS ON THIS LOAN, ALWAYS ON A DUAL TRACK AND DECEPTIVE PRACTICES, MISLEADING ME OVER THE PHONE I NEED YOUR HELP TO SAVE MY 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 2015-05-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I XXXX XXXX primary residence at XXXX XXXX XXXX XXXX XXXX, Illinois XXXX have lived her for 47 years. I inherited my property from my mom. The house went in your name in XXXX and had modification done in XXXX or XXXX. My mortgage payment including taxes and insurance was {$1200.00}. I was attacked by a XXXX student were I was working as a XXXX for XXXX XXXX XXXX. I had to go out on long term XXXX because of the attack and being diagnosed with XXXX, You notified my mortgage company for the loss of income. In XXXX I was diagnosed with XXXX. In XXXX taxes were due and the mortgage company fail to pay my real estate taxes and insurance. My taxes went up for sale and was purchased for {$10000.00} and the tax buyer now wants me to pay {$90000.00} for my home that is acquiring possession on XXXX XXXX. The mortgage company said they did not get any notice. However, my mortgage company had a responsibility to pay my taxes and fail to do so. I have a court date tomorrow and the mortgage company to be present to defend themselves of no notice to pay the outstanding taxes back to the tax buyer of {$10000.00} to avoid me loosing my home and paying {$90000.00} to buy my home back. 
I am trying to get a mortgage to purchase my home but need time. However, I could apply for another modification and avoid credit issue and start back paying my mortgage again now that I am now gainfully employed again and have been for a year now as a XXXX for a XXXX XXXX. I feel I am a target of mortgage fraud of loosing my home and have not being treated fairly. I have tried to work with the mortgage company and have not got any assistance. I got a letter from for tax buyer representing their title Mortgage Broker and Auctioneer. The company name is XXXX XXXX XXXX. Its very strange to me the lender did not pay my taxes when they was suppose to have paid them from my escrow account regardless of me being behind in my mortgage payments and my mortgage is still of record and has not been released and the foreclosure was dropped. I was denied a new modification program to reduce my payments when I became ill. Please assist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had the ability to pay off XXXX of my private loans serviced by AES earlier this month. I call and get all information needed, po box number, and 10 day payoff. I have XXXX account with them. I sent the check certified mail and it was received within 4-5 days of it being mailed. It never posted to my account. I inquired and was told they would look for it. They had the check for over two weeks and now are saying that it does not have the account information, it will not be accepted, I continue to incur more interest and there is a potential of a late fee being assessed by the owner. I forwarded a copy of the check stub, was sent certified from XXXX XXXX showing that it did reference the account number. Also I have XXXX account and the amount of the check was for the amount owed. I find the lack of due diligence, common sense, and how this was dealt with completely unprofessional. In addition I know have the added interest, delinquent account, and the possibility of a late fee. Some reprimand is warranted. These loans are crippling the country and when I try to pay what I owe, I get XXXX one last time ( hopefully although I would imagine that this will continue ). Thank you in advance for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We have our house on short sale SPS is the servicer. I have 5 letters that say we could receive up to {$10000.00} in relocation assistance and have had XXXX or XXXX recorded conversations with SPS. Finally they have accepted an offer. I ask about the Relocation assistance and they now say I wo n't get it. When I ask why they say because I am not eligible. I ask why? all they say is if you do n't sign the papers as is then they will just forclose. When I talked to someone yesterday I ask if I could get it in writing that they say I am not eligible. As it is all I have in writing says I get it, and without A letter from them that says they are the ones that refuse the relocation money it would appear that I just signed off. All I ask was some proof in writing from them that I am not eligible. They flatly refused to give me anything in writing. That makes me think they are trying to hide something. The mortgage business is nothing more than paperwork, nothing is done word of mouth. 
If I do n't get the money OK I do want something in writing from SPS for my own protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: NY
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:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$110.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, XXXX XXXX XXXX, Section XXXX ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

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 2015-03-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My whole intire credit file is missing? I had a equafax credit file 9 months ago and my score was a XXXX now the whole file is missing and my score is a XXXX? and XXXX collection account for XXXX to a cable company. I called the cable company gave them my info and ssn and they had no file on me? its not my debt but where is my credit file? What happen to it? and please take that XXXX collection off its not mine and please restore my XXXX credit score and file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX falsely reported a late payment on my mortgage after changing my billing in mid bill cycle during an escrow analysis. They increased by mortgage by XXXX in the middle the month and demanded a payment of that amount without my knowledge of the change until the night it was due. I called and they agreed it was a problem and that they would work on readjusting the payment and that this would not affect my credit, they also tried to get me to do loan modifications etc, and refinance while I waited. They adjusted the payment to a mere XXXX my previous payment, which I promptly paid. They then reported me for month that they changed my mortgage as being late even thought they told me they were changing the payment and that this would not happen several times on the phone. I was not interested in waiting around for a refinance, I just wanted to figure out a way to sell the house and get away from it and make my payments on time which I did after they changed the bill. They tried levying insurance on property that I did not need to add extra bills as well. They could never explain the escrow analysis and why they tried to destroy my credit and lied. Equifax did not do a good job of looking at the facts and the evidence. They should immediately remove this. I am not alone, this is a practice that has affected XXXX XXXX customers. I never pay my mortgage late in 10 years. They are predators. Equifax should use due diligence in their investigations and really look at the evidence and payment histories of those that are in question. Mine was stellar. There are XXXX complaints just like mine, not coincidental, I 'm sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A vehicle lease reporting on my credit file was NEVER delinquent but Equifax is reporting XXXX late payments for XX/XX/XXXX and XX/XX/XXXX for XXXX # XXXX. This account was never late and should not contain any status codes. I have requested a reinvestigation to forward me any evidence/ proof and descriptions used to conduct an investigation and yet i have received nothing after each of my disputes and requests. I do not believe a proper investigation was done, these late payments never occurred and the furnishers would agree but they have informed me that no one from Equifax has verified anything with them. Experian and Transition are NOT reporting any late on this account. SO how does equifax have this account reporting this way? illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with Chime Bank XXXX XXXX XXXX XXXX, etc ) since XXXX, and have for the most part been relatively happy with my services. On Monday, XX/XX/XXXX, I received two emails notifying me that my checking, savings, and credit builder accounts had been closed, effective immediately. The reason behind closing my accounts was that my account " does not comply with internal policies and/or the member agreement ''. I tried calling numerous times with no success, as the recording said that since my account has been closed, I needed to email " XXXX '', or " XXXX ''. I emailed Chime support a few hours later requesting the reason why my account had been closed, and expressing that I needed access to the remaining funds immediately -- not tomorrow, not next week, not 30 days from now, but THAT DAY. I received a message back from a Chime employee named " XXXX '' who informed me that my account was not in compliance with my " Deposit Agreement '' and sent me a link to look over said agreement. Upon not finding anything out of compliance on my account, I emailed him back within 30 minutes of his email asking for further explanation. Since then I have received XXXX correspondence from Chime. I have tried calling again numerous times, finally got through to a live person for them to tell me I needed to email " XXXX '' in order to get an answer to my questions. Since then I have also involved a lawyer, as well as emailed them XXXX additional times to get answers, CC'ing my lawyer, the support email, as well as the review email addresses. My lawyer gave them 24 hrs to respond ( from XX/XX/XXXX @ XXXX ), with XXXX response. I have no idea how much money I actually have in my accounts -- I think I had about {$300.00} in my checking account and about {$300.00} in my savings account. I don't remember how much was in my credit builder account which was my main source of income. There was also an unrecognized charge on my credit builder account for {$200.00} which hadn't settled yet which I was planning on disputing. I have XXXX access to my accounts to even see what is still in there. Since they have not responded at all since the XXXX, I am forced to file a formal dispute. This inconvenience has resulted in me not being able to pay multiple bills, including my car payment and my car insurance, which will result in daily, weekly, and monthly late fees, as well as a negative impact on my credit report. I need this resolved immediately -- please, please help me! Please advise if any additional information is needed from me at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Hello, Equifax had put myself and my wife threw XXXX, first off we had a paid subscription on their site as a family plan, for days I was n't able to see my credit report or score, First they tell me I needed to validate myself, then they said there was a problem like i had XXXX credit reports, then im told experian placed a fraud alert well over a month ago, I have been told so many different reason as to why my bank account was charged funds for the reports, scores i was personally treated like garbage due to the fact I had past charge-offs as the XXXX said and that i should be ashamed of my charge offs how dare he he does n't know what happened in my life to have this on me, as i work hard to establish my credit, then he declined me my right of having my score when you dispute something they come back with results within a hour declining the dispute due to my mortgage lender not be able to get a score on me yesterday Equifax charged my score points twice for this inquiry. Hard inquiries are on my report because my son and i have the same name and they want me to get a police report for a simple name error. these people need new training, we as consumers do n't deserve the disrespectfulness we got, its our credit that gives them jobs, I am so angry, and upset over this. they do n't even understand what your explaining to them, and when you write them in the mail and you have confirmation they received it they denied it something needs to be done with EQ. took me over 7 months to have Hard Inquires removed for them to place them all back on when they finally got my credit report up and running yesterday and they will not remove them and told me i have to contact each person again i have done this sent it to them over the 7-12 months proved they were n't mind and now back to square one this is n't right!. i lost an entire days work yesterday due to their inconsiderations I have a -lot more documents if needed I want these inquires off this is n't right. Also they are allowing a paid debt still remain a charge off when i proved it was paid for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
i was unable to get my credit report from XXXX it was with equfiax in which it lead me to the Equifax website. At that time i had to purchase the Equifax products in which the company was automatically taking funds in the amount of around XXXX out of my account each month without my consent. I contacted the company to stop the transaction but they continued to withdraw money for about 6 months. That happened XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I tried " XXXX again, in which Equifax denied me again and i had to purchase the products of getting my credit report and score in which i was charged again but this time XXXX for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus, our current mortgage server is trying to pull a fast XXXX on us. We have a fixed rate mortgage at 2.00 % interest, we received a statement this weekend that now suddenly says 3.00 %!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax has continually reported the a charged off credit card on my credit report twice. This has been going on for about 5 years. Equifax refuses to fix the situation. My most recent dispute was closed XXXX/XXXX/2015. They claim the account is only on my credit report once. When I check the credit report today it is still being reported TWICE. I only had on credit card with XXXX XXXX XXXX. Thats it. The account number, date opened and balance are all the SAME. I have attached the most recent credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for COVID forbearance in XX/XX/XXXX, and although their website says a response will be given in 3 days, it took weeks to get a response. On XX/XX/XXXX I received notification that I was approved for COVID forbearance. Because of this approved forbearance plan, no payments were made in XXXX and XXXX. However, I received a notice that I am late for payments ( which was incorrect since I was on a forbearance plan ). I emailed many times, and only ever received a response when I said I will report them to HUD XX/XX/XXXX due to receiving notices that I am past due which was incorrect. I was on an approved COVID forbearance plan that, according to their email, was valid though XXXX of XXXX. 

I sold the property XX/XX/XXXX, and they were fully paid out. I logged into my credit report online today, XX/XX/XXXX, and see that they reported me for having a delinquent account. This is unacceptable and fraudulent. This lowered by credit score by 93 points. 

No one ever answers their phone line, ever. They only answer emails when you say you will be reporting them. They have never once corrected any of their mistakes. Their mistakes ( perhaps intentional ) have caused stress and now have impacted my credit. Completely unacceptable. Having a phone line where no one answers and email responses that just say to call seems like a scam setup. This must be immediately resolved. 

If you go to their XXXX page, you can see hundreds of people complaining of similar issues.

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