BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a loan that is serviced with Shellpoint Servicing, and the initiating loan company was XXXX XXXX XXXX in XXXX XXXX. When I call Shellpoint, the representatives tell me I have a commercial loan product and they will need to transfer me. They transfer me to a voicemail message that never returns my call. Also, their website does not function on the computer regardless of browser, and I have reported it to the company many times and they say they are working on it with no resolution. 
I recently found out that my property taxes are late. Not only are they past due but they are delinquent. When I purchased this property over XXXX dollars was collected for impounds. I have made my full payment each month on this loan, with the requirement of an escrow account, I have paid for taxes and insurance with my monthly payment to Shellpoint. There is no reason my taxes should be late or delinquent other than Shellpoint not managing my escrow account properly. 
I need help resolving this issue as I can not get ahold of anyone to help me at the company. Also fees have been accessed by the county for late taxes of which I should not be responsible for. Please help me get this cleared up. I have made all my mortgage payments on time with escrow payment, and now have tax consequences for the servicer 's errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : 1. Account name- XXXX Account number- XXXX 2. Account name- XXXX XXXX Account number- XXXX 3. Account name- XXXX Account number- XXXX 4. Account name- XXXX Account number- XXXX 5. Account name- XXXX Account number- XXXX Please remove it from my credit report. 

6. Account name- XXXX Account number- XXXX 7. Account name- XXXX XXXX XXXX Account number- XXXX 8. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX 10. Account name- XXXX Account number- XXXX  11. Account name- XXXX  Account number- XXXX  12. Account name- XXXX XXXX Account number-XXXX 13. Account name- XXXX XXXX Account number- XXXX 14. Account name- XXXX XXXX XXXX Account number- XXXX 15. Account name- XXXX XXXX Account number- XXXX 16. Account name- XXXX XXXX Account number- XXXX 17. Account name- XXXX XXXX XXXX Account number- XXXX 18. Account name- XXXX XXXX XXXX Account number- XXXX XXXX 19. Account name- XXXX XXXX XXXX Account number- XXXX 20. Account name- XXXX XXXX XXXX Account number- XXXX 21. Account name- XXXX XXXX XXXX Account number-XXXX  22. Account name- XXXX XXXX Account number- XXXX 23. Account name- XXXX XXXX  XXXX Account number- XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

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 2020-03-31
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started a refinance process in XX/XX/2019 and it has been a XXXX-show ever since. My mortgage company ( UWM ) along with XXXX Escrow is owned by a parent company XXXX XXXX. All 3 companies take weeks/ over a month to talk to/ update one another thru the process. 

The major problem started back in XX/XX/2019 when XXXX told its escrow company to not pay my property taxes that were due. This upheld my refi and of course, during the last 2 weeks of XXXX nobody is around to answers calls/ returns messages. 

Between all 3 of the afore mentioned companies along with my mortgage broker, I received delayed, incorrect, unupdated and harrassing payment information for me to maintain proper payments and therefore avoiding additional late fees and dings to my credit score. 

I have spent so many hours on the phone with all concerned parties/ companies over the last 6-7 months, I couldn't count it in minutes, hours or even days I think at this point. 

At the time of writing this, I have lost 3 hours alone TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There's incorrect information on my credit report. Remove all old addresses and personal information. 

My legal name is XXXX XXXX XXXX. 

My date of birth is XX/XX/XXXX 

My residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

My employer is 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 non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previously sent documents.

Company response to consumer: In progress
Consumer complaint received 2020-03-31
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I been a Chevron/ Synchrony bank account holder since XXXX XXXX. In such a time I have made every payment on time and not once have I ever paid late or even overcharged the account. I think it's fair to mention that within such time there hasn't been much problem with the account.Needles to say, I tried using the account on XX/XX/XXXX and for reason unknown to me my purchase was declined. I contacted Synchrony bank and what I found was a lack professionalism and harassment. One that could even be interpreted as civil rights violations. Since in my perception the hold was placed on the account to get me to call and to torment me. Due to the fact that positive resolution is never offered. Instead I am mocked and harassed. For lack of a better word trained as an animal ( behavior modification ) in a detrimental way.Other wise as it has been done several times before, the account is closed and any intend to reopen it is denied.Such fact can be supported based on previous claims or complaints to this very website against synchrony bank and several of their retailers.

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 2017-12-06
Company: AES/PHEAA
State: SC
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:
1st off- the college was involved in legal issues regarding the school accreditation. Several students were invoked to litagation with the school regarding this matter. The credits offered by XXXX College were not up to code with the state board examination. Therefore students werent allowed to take finals and receive their degree. I left the school during the legal lawsuits. 

Also- my account was given forbarance and income driven repayment of {$0.00} a month payments therefore my account was NEVER late or behind. XXXX XXXX XXXX has fraudulently reported late payments to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Maximus Education, LLC dba Aidvantage
State: CA
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 was paying back my student loans through Aidvantage. I paid off XXXX separate direct subsidized loan in full. A few weeks later I returned to the website to pay off additional loans. I saw that XXXX loan 's balance was now {$0.00} and assumed that the second loan was processed as well. 

I have then paid off XXXX more loans, but apparently I paid off XXXX loan and overpaid the original loan which did not show as processed on the website. The overpayment was {$4200.00}. 

I have then reached out to Aidvantage via phone and was told that the funds were going to get automatically refunded within 14 days ( this was the first lie ). After 14 days, I called again and was then told that the amount was too large to refund and they will need to submit an approval to their XXXX. This process was going to take XXXX weeks. 

It has now been over XXXX weeks and I called for the XXXX time. This time I was told that the approval was never submitted or processed. The representative then admitted that this was overlooked on their end. She has then submitted the approval to the XXXX again and claimed that this time for sure it will get processed, but I have to wait at least XXXX weeks because the holidays are coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I closed on a new mortgage loan from XXXX XXXX XXXX on XX/XX/2022. Since that closing date on the new mortgage, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, KS XXXX, has been attempting to get a final pay off amount from Fay Servicing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. Fay Servicing won't give them a final payout amount. My husband and I have made two payment amounts to Fay Servicing in order to clear up this situation : one for {$1700.00} and another for almost {$5000.00}, Fay Servicing continues to add interest in the amount of 7 % and continues to harass us to pay. We feel that this practice fits the definition of extortion. XXXX XXXX XXXX doesn't seem to know what to do to end this horrible situation. We need someone to tell Fay Servicing to give XXXX XXXX a final pay-off amount so that this situation can be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/20 Speedy Cash charged my checking account in the amount of {$2100.00}. 

I obtained a payday loan last year in the amount of $ 900ish dollars. I never paid it back or attempted to contact them which was a huge mistake on my part. 

The collection agency " XXXX XXXX '' stated I owed Speedy Cash {$1300.00} for the payday loan, and the interest accrued for non-payment resulted in the amount of {$2100.00}. 

I called Speedy Cash and XXXX XXXX to let them know I could not afford to pay the full amount they deducted from my checking account at this time, and requested for them to work with me but both parties refused. I requested a refund for the interest they charged me for non-payment, and even offered to make arrangements to pay the interest back but they refused. 

I did not agree with the amount of interest I owed them and asked for an explanation on how the interest accrued to close to {$800.00}. They stated it was in the contract I signed. I explained to them I didn't have the contract, and requested for them to explain it to me but they stated they didn't have the contract in front of them. They indicated I would need to submit a written request for the contract by mail or fax, and they would fax or mail but it would take some time. 

Please, help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: NY
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 sent both XXXX  & Experian dispute challenge letters back in XX/XX/2020. Challenging the following account : XXXX XXXX XXXX : This account still remains on my consumer credit report even though I have clearly identified multiple inaccuracies and violations to both XXXX  and Experian of which is my right under the fair credit reporting act. 

As of today XX/XX/2020 XXXX  XXXX XXXX still remains on my credit report unchanged. 

: Still reporting inaccurate last date of activity a violation. 

: Reports account as update in XX/XX/2020 but still reports multiple inaccuracies a violation of FCRA rules. 

: Reports inaccurate balance or credit limit a violation. 

: Reporting continuous negative remarks after Account has been closed or charged-off. A violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of america has refused to open XXXX XXXX XXXX account plz help me in getting it reopened along with a new debit card as well thank u XXXX XXXX is making too much money plz help him out XXXX b-day is XX/XX/1975 he will be XXXX yrs old he would love to have it reopened thank u

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 2023-07-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-04-22
Company: N.A.R., Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have communicated with the company ( N.A.R. Inc ) via mail to indicate that the collection does not belong to me. The company they are representing I have never had any affiliation with meaning the debt does not belong to me. It has been placed on my and my wife 's credit reports and I want it removed. I have a copy of the letter that I sent with details of my situation as well as dates when I have attempted to call them without any reprise. 

A letter was sent in XX/XX/2023 to have the {$330.00} removed from my credit account but no actions have been taken. I provided documentation showing that the company they represent I have never had any interactions with. I have called them on seven ( 7 ) different occasions between XXXX XXXX XXXX XXXX XXXX. I finally spoke with a representative XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and asked them to send documents showing I had any accounts or interactions with the indicated company ( XXXX XXXX XXXX ) and I have not received any communication. Today is XX/XX/XXXX ( 35 days later ). 

I am asking again for them to remove this information from my credit account and to send me communication unbinding me from any transactions with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: ECMC GROUP, INC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It has been over five years since ECMC has first contacted me about a student loan debt that is not mine, that was the first time Ive heard about the 1987 debt, I have written many letters explaining the debt is not mine, and it may have been obtain through fraud, at my request they sent me a copy of the original contract and a default judgment, the SSN, middle initial, address and signature are not mine. I have never attended the school listed on the contract, they have created a computer generated document with my correct SSN and attached it to my name. 
I believe ECMC has continued to force this debt onto me for financial gain, which has cause me many pain and suffering

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$0.00}

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 2020-03-31
Company: Experian Information Solutions 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 am filing this report today XX/XX/2020 because there are five accounts and some inquiries on my credit report that do not belong to me. The way I even found out about these accounts is because I am trying to refinance and I was unable to do so because of these accounts that aren't even mine. I did not open any of those accounts nor have I ever opened any type of account with any of those companies. I have no idea who could have stolen my personal information to open these accounts in my name without my permission but I have already reported it to my local police department. I did not gain anything such as money, goods, services or any other benefit from these accounts nor did I make any purchases/payments towards any of these accounts. I have also filed a complaint with the consumer financial protection bureau in hopes of getting this resolved.

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 2021-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have several issues I need to address with Bank of America and if I need to individualize my complaints I will do so. I will outline them as follows : In early XXXX Bank of America closed all of my associated accounts. 
This included a money market merrill lynch account, personal checking, business checking, personal credit cards, and business credits cards. 

I was not given a reason why my accounts were closed and the bank would not work wit me on an explanation or reinstate my accounts. 
My first request would be to reopen my accounts. 

My 2nd request would be receive the points I earned as a statement credit. I accrued XXXX~ points ( equivalent to {$440.00} ) when redeemed as a statement credit to the bank of america premium rewards personal card. I contact bank of america in XXXX and in XXXX to redeem these points, they told me this was not possible but they could mail me a check, I have not received a check for these points. The conversation I had with the bank of america representative who implicitly guaranteed I would be receiving a check for the amount of the points at XXXX cent per point ( {$440.00} ). A screenshot of my account with the points is included in this claim. 

My 3rd request is for the {$1000.00} offer I am due as part of opening the XXXX XXXX account, I met all requirements and confirmed with a XXXX XXXX chat agent on XXXX XX/XX/XXXX that I would receive the {$1000.00} bonus on XX/XX/XXXX, however my accounts were closed and the bonus never posted. I have attached a screenshot of that conversation.

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