BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We want XXXXXXXX XXXX XXXX  investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now XXXX XXXX  XXXX We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX k now over 670 k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ca XXXX acct # XXXX XXXX XXXX XXXX *

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Good Afternoon, Today I received a call from XXXX at XXXX XXXX XXXX at my work. I work for a financial institution and our calls are recorded. Despite telling XXXX that its my work and I could potentially lose my job for that call he continued to pressure me into the call and not willing to hang up. According to my company policy I can not hang up on a call as it could be a customer service issue. He without verifying my identity disclosed my financial information which could have been anyone at my work and they would have known my financial status. Just not only put my information at risk he put my job at risk. If my call quality team ever listens to this call and escalates it to my manager I could lose my job as its strictly prohibited for us to take personal calls and specially not from another financial institution. I have asked XXXX to not call me ever at my work but he refused to commit to that and said he will call back. Please advise and assist as next call from him could end my employment. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2022-01-24
Company: LEXISNEXIS
State: PA
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:
This complaint is a counter-complaint to LexisNexis CFPB complaint XXXX XXXX XXXX XXXX InLexisNexis ' response they claim to not be a consumer reporting agency. And admittedly reports this information to the credit bureaus. I never gave LexisNexis permission to report anything to anyone and by law, they can not go and scrape my information from a public record and report it to a consumer reporting agency. On my credit report, it has the bankruptcy court as the furnisher NOT LEXISNEXIS so that is the violation by the credit bureaus and grounds for removal. LexisNexis is not a creditor on my credit report so they can not be used to report my information As for LexisNexis. I want them to delete any and all information that they have contained about me. Yes, they can view it in public records but they have no right to store my information anywhere without my consent. That is a violation of my privacy 1 5 U.S. Code 1 681 ( a ) ( 4 ). This serves as my warning of intent to use LexisNexis and the CRAs for fraudulently compiling information and reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
in accordance with the fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX have violated my rights. 

15 u.s.c 1681 section 602 a. states I have the right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: BMW Financial Services NA, LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Dear CFPB, I received a letter from BMW via MY BMW online account stating that they would reconsider my application for refinancing of my vehicle which I financed through them, as a brand new purchase in 2011. 
Today, the refinance agent told me that the decision was made and I could get a co-applicant but it basically would not help me keep my vehicle ; I would need to trade it or sell it on my own. 
When I mentioned I received an email reply to how I could get my BMW refinanced through BMW since I am already financed through them, the agent said he had never heard of the person I received the reply from and that the reply did not matter because they were not going to refinance my vehicle even though I have been financed through them for the past 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Merchants & Medical Credit Corporation at XXXX XXXX XXXX XXXX XXXX mi,48507 has been sending me collection notices in the amount of {$220.00} the collection has been reported as a pastdue balance.i do not know this company, i have never done any bussiness with this company, this company does not have a contract with my signature on it ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I got a payoff quote for my loan with Chase Bank of {$6200.00} with a balance on my last statement dated XX/XX/2018 of {$6100.00}. I called in and spoke to a customer rep to make the payment of {$6200.00} and she said I couldn't make it as it was more than I owed. I explained that is my payoff and she said that it can not be done by her. I then spoke with a supervisor who told me that I can not make payoffs over the phone for which I believe is a violation of banking rules as they allow payments by phone which are taken directly out of my account. The supervisor said he would process the payment amount of {$6100.00} which is the amount on my last statement. I said I wanted to pay it all off and not pay compounded interest on what has already happened. He said he would take the remaining money from my escrow account and it would be paid off. I said ok then he said he couldn't process the {$6100.00} and he could do {$6100.00} which he then did. The money was taken directly out of my account as I authorized it. I don't know why I can not make a payment of my full payoff or even the amount on my last statement for that matter over the phone. 

To me it is a way for them to keep accruing interest on my loan without giving me the ability to pay it off in full. 

While the employees are very nice and tried to do what I was wanted they don't have the ability because of the computer system. This system is flawed and causes hardship and unnecessary compounding interest to be accrued. I feel their system should be fixed and they should be fined for not allowing me to do a payoff in full or even pay the amount owed on my last statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have made a half dozen attempts to have this taken off of my credit as it shows my account is open which it has been closed paid in full and duly noted on 3 to 4 occasions by XXXX XXXX XXXX  with the profound and profuse apologies Ive even gotten correspondence in the mail email and the dealership in which I determine vehicle and purchase my new vehicle the controller has the information as well as the finance department and the general manager. I am a single mother of XXXX who was left with two foreclosures from a ex-husband who left my children and I XXXX and no choice but to relocate to another state and start over. With seven years of that on your credit and having to start over as a single mother raising XXXX kids you can imagine what this is done to me reliability to get credit to even have a credit card. Ive been more than nice and patient with every phone call Ive made and every person expecting to but every six months this happens again and its destructive and destroying my life. I want every one of the three credit bureaus to receive a letter of apology and correction and whatever they can do to conserve compensate me for the absolute nightmare than dealing with for 34 years of not being able to get a credit card of not being able to secure a financial home for my son to go to college not be able to have my name on my mortgage because my credit wasnt good enough. Its quite humiliating. Please any and everything you could do to advise me as to what my rights are arabesque about selling and settling this from my best interest and to be sure this never happens again to myself or someone else would be appreciated. Thank you so much in advance. Single frustrated Mom

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01
Company: EQUIFAX, INC.
State: MD
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:
I was looking at my credit report and noticed that there are multiple addresses on there that I don't live at. The only address that should be reporting is listed below. 

Correct address XXXX XXXX XXXX XXXX MD, XXXX Please delete these wrong addresses thats listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX CT XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: ENCORE CAPITAL GROUP INC.
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:
Midland Funding ha s repeatedly called me about a debt after I have told them to stop contacting me. They continue to call me from fraudulent phone numbers  ( which I still h ave on record ). I have requested in writing that they provide me a copy of this debt which they have not. They have filed a garnishment against me in court without ever serving me any type of documentation and the only way I found out about the suit is via spam mailings from attorneys trying to pressure me into filing bankruptcy . Midland has   dispersed my personal information to several law offices without my consent (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    et c ) . Midland funding  has deceptive bullying collection tactics inorder to recoupe from the many lawsuits that have been filed against them which they have lost and have been held liable to pay. They target people in order to Illegally gain money from them. There have been multiple settlements against this company as their practices are ILLEGAL yet they STILL repeatedly violate the FDCPA by attempting to collect on debts that are invalid, non existent and even too old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: WELLS FARGO & COMPANY
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 AM A VICTIM OF AN IDENTITY THEFT, AND SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS, THE CHARGES ARE FRAUDULENT AND NOT MINE. JUST BECAUSE THEY ARE BIG CORPORATIONS AND THEY CAN CONTROL PEOPLE BUT THEY SHOULD UNDERSTAND THAT I AM VICITM THESE CARDS AND THESE CHARGES ARE FRAUDULENT.

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 2020-06-21
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank is not letting me withdraw my money by card, by a card-free access code, and by sending momey to a different account for withdrawal. They called me a few weeks back concerned about fraud and assured them that there was no fraud on my account and all tramsactions and requests were made by myself. Yet my account is still frozen. I will sue pnc! This is not the first time i've had a problem with them! They removed my automatic auto payments and are charging me 5.14 percent in interest, versus the 4.89 we decided on upon opening the account, and claimed it was me that called and requested to have it removed. WHY THE XXXX WOULD I RISK LOSING MY CAR? WHAT SENSE DOES THAT XXXX MAKE? Yet, i let it slide, and have not bothered to go in and get it adjusted because i want to pay off this car and not have to deal with those XXXX  again. Many times i told them if my card does not have sufficient funds, i do not want anything to go through, yet they let charges go through and charge me overdraft fees and returned payment fees. I can not wait to take my money out and close the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had multiple issues with  XXXX /Navient as my loan processor.     First, here is some older issues I have had where I do not have much documentation of : I requested to have my loan taken off of any extended or reduced payment plans, and my monthly payment increased to approximately {$400.00}. Around 2 years later my payment jumped to approximately {$800.00}. When I contacted Navient to understand why I was told that it was because I was in a extended repayment plan which was never removed.     After this fiasco which likely has cost me thousands of dollars : I began making the payments of {$800.00} and have recently started paying extra into my loans in a desperate attempt to no longer have to deal with Navient.     I have ma de 10+ calls to Navient in the l ast 30 days. Each extra payment made on the website was incorrectly applied.       XX/XX/XXXX  - - Payment made in the amount of {$200.00}. The payment was split between  2 loans instead of going directly to loan  XXXX . I contacted Navient who apologized and correctly applied the fu nds.       XX/XX/XXXX  -- P ayment made in the amount of {$50.00}. The payment was split betwee n 3 loans i nstead of going directly to loan  XXXX . I contacted Navient who apologized and correctly applied the funds.       XX/XX/XXXX  -- Payment made in the amount of {$580.00}. The payment was split between all of my loans instead of  going directly to loan  XXXX  to pay off the remaining balance. The loan balance ended up being {$22.00}. I contacted Navient who apologized and correctly applied the funds and marked the loan as {$0.00}. I also requested that the minimum monthly payment amount of  XXXX  be added to the auto-pay amount of  XXXX . This was not correctly applied.       XX/XX/XXXX   -- The new auto pay amount was set to {$130.00} instead of {$150.00}. The customer service and supervisor were unable to explain to me why. The minimum/auto pay amount changed from {$800.00} to {$830.00}. The supervisor did not have access to view any reason for the {$30.00} increase. They sent a request to th e " Research '' group  with a turn around time  of 7 to 14 bus iness days. The " research '' group will not contact you back via phone with they are able to identify exactly where the {$30.00} increase came from. The supervisor refused to give me any tracking or identifying number for the interaction and request. I was told to call back to check on the status of the " research '' groups findings.     My call o n  XX/XX/XXXX  e nded with : " You have my word sir that I will send in a detailed request ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to the 15 plus years of computer hacking, Computer errors, with drawing funds out of my bank, trying to transfer money for my other credit card by Discovery Bank, I am now being treated for XXXX XXXX XXXX by the VA hospital. I have forgotten that Discovery took money out of my bank with out my authority almost causing me to bunch checks. And trying to transfer money with out my authority from my other credit cards. Telling me that the will have me jail if I do not pay them what they say. And now because I stop paying the illegal charges, over drawing, late fees transfer fees and others they are taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: EQUIFAX, INC.
State: MD
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, XXXX XXXX XXXX had no involvement in these accounts and inquires being opening in my name. I XXXX XXXX recognize that I've been a victim of this fraudulent accounts and inquiries. 

Accounts : XXXX XXXX Opened : XX/XX/XXXX{$10000.00} XXXX XXXX XXXX   Opened : XX/XX/XXXX {$3000.00} XXXX/XXXX  Opened : XX/XX/XXXX {$310.00} XXXX XXXX/XXXX Opened : XX/XX/XXXX {$2400.00} XXXX XXXX   Opened : XX/XX/XXXX {$490.00} XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$170.00} Inquiries XXXX XXXX XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX - CARD SERVICE Inquiry :XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2020-04-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XX/XX/2020 I went to the post office and got a money order for XXXX dollar. On the negotiable instrument I put the completed amount in accordance satisfaction upon redeeming the instrument. Due to the state of emergeny for Covid-19 I'm currently unemployed.

Company response to consumer: Closed with explanation