BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-03
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Fees charged are excessive are fraudulent. BB & T sent an email showing an item was unpaid, it was a CC payment. Looking at the statement it showed that another bank had removed funds and it failed by a few cents. I immediately put in another CC payment for a lesser amount so that the bill was paid on time. That transaction also failed so once again I put in another payment, that XXXX failed also. Come to find out the original email was wrong, the XXXX item was paid. This caused fees to rack up and for me to suspend any future deposits to the account. When I sent BB & t a message regarding these failures on I did n't receive a reply until weeks later and it was a typical canned response. I do not understand why you ca n't do the right thing for your customer and work with me. Also please communicate via email or if you must via postal mail. I do not have time to do the run around on the phone as I have a XXXX month old daughter that I am taking care of. I attempted to resolve this with them but they are n't budging and have reported the account to XXXX. All that was needed was a reversal of the fees charged, this is n't money they earned its ridiculous fees they made up. Had the original message been correct then the other fees would n't have occured in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I inherited a house years ago and the banks did not keep up with the paperwork. I did not know anything. Thought the house was free and clear according to probate court. Now I try to get a loan and can not. Have not been able to to find anything on who is servicing this old mortgage so I can get it released. 4 companies so far and no ones has it. I am tired of the run around and mortgage companies being able to do what they want and leaving people helpless. They need to be filing proper information like everyone.

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 2015-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been approved for a loan modification by the Servicer SPS andthey continue to foreclose on my family even after I have reached out tothem several times for help. They are clearly ignoring our cries for helpalthough we have qualified and have been approved for a loan mod. 
I have spoke to several different reps ( XXXX in all- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX @ XXXX XXXX XXXX @ XXXX and XXXX @ XXXX XXXX ) All of them gave me the run aroundevery time I called and they said that the foreclosure would be stoppedand that I would not lose I home because we qualified and they weresending the approval by mail which has not arrived yet. However theTrustee sale is set for Monday XXXX XXXX, 2015 by XXXX XXXX who I also called to request help and all they saidwas to file bankruptcy which is the only option they claimed I hadto save my home. I am very frustrated and scare about the foreclosuresale date and have not been able to get anyone to confirm the stoppageso I still face losing my home on Monday. I need help to stop theServicer from foreclosing on my home. They have negligent and abusivetowards us and now they want to steal our home and kick us out onto thestreet and be homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Collection Management Company
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
On XXXX/XXXX/XXXX, I had received a call/phone message from the subject collection agency, when they were previously duly advised per the attached correspondence to which there had n't been any other subsequent communication from them until now regarding a supposed amount owed to XXXX XXXX XXXX, which their client had either neglected or failed to timely bill me for. Thus, as a result, I had disputed the charges under contributory circumstances, as it took their client greater than a full calendar year which to bill me. There had n't been any communication from this Agency since XXXX XXXX, which is suspect for another date of service that I have with XXXX XXXX which may be causing them to look at ALL dates of service that I have with them, which there are only XXXX ( including this XXXX ) that are disputed. Since this agency had n't responded since XXXX XXXX with any other basis for collection and that their client had failed to resonably bill me within a full calendar year 's time, any other action at this point would seem possibly political and vendictive to me at this point.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX I received a letter from National Credit Systems out of Georgia stating that I owed debt and that I had 30 days to contact them to dispute it. I called them the day I received the letter and told them that I dont believe that the debt is valid, In addition I sent a letter stating that I require validation to include a copy of a signed contract with my signature and a disclosure of how much is the debt and how much were the fees. They have not gotten back to me with any information regarding the validation of my debt but they have already reported this unsubstantiated debt to my credit report. I have the right to dispute the debt and to have it validated. I feel that has been denied me as they have already reported this and it is already negatively impacted my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to you on several attempts regarding this alleged debt and have affirmed to you on those attempts that this company, XXXX XXXX XXXX, has acted unethically by attesting that I owe them money and that I have an open account with them. This is false and I have proof from the original creditor, which is accompanied with this letter. 
I took the liberty and asked the original creditor to assist me with the appropriate documentation after I explained to them that this creditor XXXX XXXX XXXX XXXX XXXX created a fake balance to try and force me to unlawfully pay. XXXX XXXX XXXX also lied about having reached out to me in XXXX via U.S. mail. This is blatantly false and I showed you that it was false by providing you a name affidavit and proof of address. 
Attached, you will see the itemized statement/payment history from the original creditor. You will also see the true date of delinquency as well as the dollar amount that was owed seven years ago, which was XXXX. This account is over 10 years old! Not only that, XXXX XXXX XXXX misrepresented the amount owed to benefit them as well as dates. This is an immoral and unethical practice amid a global pandemic! 
XXXX XXXX  XXXX  may have purchased a debt from a creditor that I dealt with over 10 years ago, but I did not sign any contracts with XXXX XXXX XXXX and again, they are falsely claiming that I owe them XXXXXXXX}. The date of delinquency began in XXXX and was consecutive. This collection violates the laws of the FCRA and TransUnion is being complicit by reporting an erroneous account and not adhering to the refutable evidence that I have provided for nearly a year now.

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 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
609  Section/ DELETIONS TO CREDIT REPORT My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation.     Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g  ] of the Fair Credit Reporting Act of    1970 pr ovides that your credit bureau should send me all information on file that led to my credit application being denied. According to the pr ovisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurat e reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :   XXXX   XXXX   XXXX   #  XXXX , #  XXXX    XXXX   XXXX   #  XXXX    XXXX   XXXX   #  XXXX   XXXX  #  XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   Please notify  me that the above items have been deleted pursu  ant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts. If you do not remove this items in a timely matter I will file a law suit under section 617  under the color of the law.
If you have any questions or need additional information, please contact me at address noted below. There are a total of 2 pages of items with all three credit reports

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 2015-11-07
Company: United PanAm Financial Corp.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
my car payment is due on the XXXX of the month. If it is not paid they call me every 30 to 45 minutes of every day until it is paid, and with every phone call they leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Financial Corporation of America
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XX/XX/XXXX I filed a complaint against this company and they responded by stating the following : '' Financial Corporation of America shows no open inventory or credit reporting under your name or social security number ''. 

Again I submit my complaint ... In XX/XX/XXXX my personal information was compromised when my car was broken into and my handbag stolen. Since XX/XX/XXXX a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Financial Corporation of America
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a Medicaid recipient who visited the hospital and provided proper insurance information, the hospital never submitted the bill to Medicaid and send me the bill instead. I contacted the hospital again and provided XXXX more time my insurance information however according to the Medicaid office they never submitted any bills on my behalf. Today I received a bill from a collection agency who is refusing to provide me with information regarding my bill and proof that the hospital submitted the bill to Medicaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
TO WHOM IT MAY CONCERN : I am writing in response to recent conversations with Select Portfolio Servicing, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. For the past XXXX years, I have been in dispute with SPS regarding a Foreclosure Action that commenced in XXXX, at which time XXXX was the Servicer. SPS has adamantly refuted that a foreclosure action previously occurred and the foreclosure action did not commence until they initiated the action, XXXX XXXX. There are numerous phone calls, discussions far and in between the past month. 

I spoke to XXXX XXXX of Select Portfolio Servicing Advocacy Department, XXXX XXXX, XXXX. XXXX XXXX advised that she would be sending out a response letter stating that SPSs position remains the same regarding the on-going dispute that a foreclosure action occurred in XXXX. XXXX XXXX also asked what my intentions were with the property and questioned why I was not evicted if the property was already foreclosed upon. For more than two years SPS has denied knowledge of the mortgage servicing deficiencies that were unresolved prior to XXXX XXXX XXXX transferring the servicing rights to SPS, XXXX XXXX. Yet, SPS and its third party Attorney, XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX, now known as XXXX XXXX XXXX attested to having full knowledge of the information filed with the XXXX Courts XXXX XXXX XXXX, Maryland and Maryland XXXX XXXX. 

I am vexed at SPSs repeated failure to acknowledge my inquiries and questions regarding the unresolved mortgage servicing deficiencies that were initiated at the commencement of the foreclosure action in XXXX, which resulted in the purchase of the property XXXX XXXX, XXXX, by the alleged secured party, XXXX Bank, XXXX, NA, Trustee for XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX. The trust is in fact governed by New York XXXX XXXX. At the time of the commencement of the foreclosure action the note had not been assigned to the trust. In fact, the note was transferred to the securitized trust XXXX XXXX, prior to XXXX XXXX XXXX transferring servicing to SPS, 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 2016-11-30
Company: United PanAm Financial Corp.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
They called at XXXX. They know I do not stay in the XXXX XXXX where the time is the different they know I moved to the XXXX XXXX last year but they keep I asked the woman did she know what time it was she said XXXX and I told her it was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: American Coradius International LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
It has taken years but my credit report has been cleared. This is the third attempt this company has tried to collect a paid or old debt. XXXX attempts by mail which has been ignored and this morning XXXX/XXXX/2015 at XXXX XXXX by phone. I was kept on hold for XXXX minutes. Then a clerk tried to get me to verify information about myself after I told them not to contact me again. I want this company to leave me alone.

Company response to consumer: Closed
Consumer complaint received 2016-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I XXXX. I have been working on this short sale with Select Portfolio Servicing since XXXX 2016. They keep telling me that a form ( XXXX ) needs to be completed. I sent them the completed XXXX form several times. Today XXXX/XXXX/16 they are saying that the form is old. I have a buyer that is living in a hotel since the XXXX this month that is threatening to cancel. The seller is XXXX military that just wants to sell.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows one filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had our student health plan. It shows on my finance report. I put at my attachment. And I did payment the bill. I also got the refund on that one year later. I do not why they still put the Negative Accounts on my credit report. keep hurt my about XXXX point on the single one case

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 2015-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon checking my credit report at XXXX, I detected that " XXXX '' cable/cellular imposed on me charge on amount {$2300.00}. I state, that, I never used " XXXX '' services cable/cellular. It is apparent to me that my identity was compromised by fraudulent activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had to file chapter XXXX because of a accident. after four years of paying on it. I received a order deeming the mortgage current as of XX/XX/XXXX. I have made all payments from XXXX in full and on time. until XX/XX/XXXX when they advised I was 5 months behind on my payments. I have sent all the information to Ocwen XXXX times proving all of the payments were made by the trustee and myself.. they still advise I am behind and are threating to foreclose they returned my XXXX payment I have contacted a attorney they advise I file a complaint the you first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I paid off the 2nd mortgage on my home. Bank of America received the funds on XX/XX/2020. I have applied and been approved for a HELOC with another financial institution to consolidate debt. I am unable to complete this transaction due to Bank of America not yet sending the Lien release paperwork to my county. I have called the Lien release customer service 43 times, to no avail. All I am asking is for them the send the lien release to my county clerks office. This document was generated on XX/XX/2020 and was allegedly sent to my county on XX/XX/2020. My county has NEVER received it. I have requested to have this sent to my county office on four occasions. I have requested to speak to a manager or a supervisor on five occasions and they schedule a time to call me back with a 2 hour window and I have NEVER heard back from a single one. ALL I want is for them to do what they are supposed to do nd send the lien release to my county. Thank you in advance for your time.

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 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an unverified account from XXXX account # XXXX that was placed on my credit report and I have been trying for over XXXX months to get this entry removed. I have spoke with numerous representatives, supervisors and even managers in regards to the erroneous account and i have yet to get it resolved. This is my XXXX dispute in which I am currently waiting for results. I have repeatedly requested tangible documentation whether electronically or hard copies and Trans Union has yet to verify. All they send is a letter with a statement saying " the account is verified ''. I demand that this unverified account : XXXX is PERMANENTLY DELETED FROM MY CREDIT FILES due to lack of verification and INACCURATE REPORTING.

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