BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-30
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In the XXXX, my Homeowners Association notified owners that the building 's master policy was changing, losing some level of coverage, and to confirm with our home insurers that we were still covered. In XXXX, I received a warning from my mortgage servicer, NewRez LLC, that they had been alerted to the change, and would be purchasing insurance on my behalf if I didn't prove that I was covered. I called XXXX, and they assured me that I was in fact covered, and sent an updated copy of the policy. 

On XX/XX/XXXX, I emailed the policy to XXXX using the email address they listed on their website, and received no confirmation. 

Around XX/XX/XXXX, I received more mail from XXXX threatening to purchase insurance on my behalf if I failed to upload my homeowners insurance documents to a given " portal '' website, completely different from their actual website. The letter identified themselves as a " debt collector '', which I suppose is technically true, but clearly threatening and even misleading. I went to the site, XXXX, and uploaded both my original policy and the current renewal. I received no confirmation. 

Today, XX/XX/XXXX, I received the same notification of the need to upload my insurance information, along with a " Evidence of Hazard Insurance '' document, wherein NewRez followed through on their threat, purchasing a year 's term of insurance from " XXXX XXXX XXXX XXXX XXXX XXXX '' in the amount of {$4600.00}, which will be taken from my escrow account. Interestingly, it is effective XX/XX/XXXX, well before the first notification that my insurance had " lapsed '' ( even though according to XXXX, I'm covered ). I again went to the same website, re-uploaded the documents, and received no confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Attached are two responses from LoanCare , LLC which regards the previous complaint filed XX/XX/2024.

The first response datedXX/XX/2024 states that the company received a " notice of error regarding the loan referenced. '' I did not send a " notice of error '' nor did I ever refer to the matter as an " error. '' I, respectfully, made issue with regard to a " breach '' in the company 's system and the " timing '' of the breach. 

The second response dated XX/XX/2024states that I " questioned the validity of the loan transfer. '' My wife and I are well aware that mortgage companies can and do sell or transfer loans. My letter addressed the " timing '' of the security breach with respect to the loan transfer. 

During the brief two week period for the " announced '' transfer, I had contacted LoanCare , LLC customer service with respect to a " physical address '' for XXXX, XXXX for mailing Certified Mail to the company. Customer Service could not or would not give out that information. I found an address via my own investigation. 

The following day after the phone call to LoanCare , LLC customer service I received multiple phone calls with voice messages to contact LoanCare. These calls came in while I was out of town. I had already mailed our mortgage payment for XX/XX/XXXX. When XXXX, XXXX received our payment the calls from LoanCare , LLC stopped. 

My wife and I made the " transition '' of our loan being transferred from Loancare , LLC to XXXX, XXXX without a problem. There was no chaos with respect to making " timely '' payment ( s ). 

Again, I do question the " timing '' of the security breach which raises questions about other borrowers maybe enrolling in " identity theft '' protection via LoanCare , LLC letters sent out to other borrowers.

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 2024-01-29
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
NewRez LLC took over management of my mortgage from XXXX XXXX XXXX in XXXX of XXXX. I had auto debit set up with XXXX from the start and never had any problems. The auto debit process transferred to NewRez LLC with no problems and remained that way ever since. 

Then on XX/XX/XXXX NewRez LLC has sent an email notification that I am delinquent on my monthly mortgage payment of {$1000.00}. They followed up with a USPS letter received XX/XX/XXXX. 

I sent an email on XX/XX/XXXX requesting clarifications on the delinquent payment notification. I have never received a reply. I have continually tried to call them via the phone number they provide ( XXXX ) and I get the error message " your call can not be completed at this time, please try again later ''. In the meantime, they continue to take money from my account to cover my mortgage. This feels like a scam and I'm questioning the legitimacy of this company. Are they attempting to pad their revenue with bogus collections?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
An Escrow analysis was performed in XX/XX/XXXX under the first home insurance figures the XXXX received. It was estimated that my escrow was short and that I needed to pay a difference of XXXX to bring my escrow current which I did in addition to my regular payment on XX/XX/XXXX. I called in the first time in late XX/XX/XXXX at which I was advised by a person in Texas who worked in escrow that my payments would change to {$930.00} and some change, explained over the phone. Today I was told by XXXX in escalations over the phone my escrow account is short and my current payment will be {$950.00} and some change. I told her she is the first person to tell me that my account was short in all the times I called in this month. I ask to consult a manager on the issue and I was told it would take 48 hours for a manager to contact me back with no name or number. There is nothing I can see currently online that reflects a current change and updated info. This has been going on the whole month of XXXX up until today. The new payments are suppose to begin XX/XX/XXXX and there is currently no updates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX SYNCHRONY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear SYNCHRONY, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802. 

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the XXXX The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a DC resident. In Washington DC, DC residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, 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 2024-01-29
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I have been working with a HUD counseling agent who has been present with all phone conversation with mortgage management company Shellpoint since XX/XX/XXXX to arrange for an extension on an existing forbearance. 

On that call we spoke with customer service representative XXXX XXXX after failing to reach my assigned case XXXX XXXX XXXX directly. We were advised to call no later than XX/XX/XXXX to ensure that a forbearance extension request was honored. 

On Wednesday, XX/XX/XXXX I contacted Shellpoint again with my HUD counseling agent. This time we spoke with XXXX XXXX agent id # XXXX after again failing to reach XXXX XXXX on their direct extension. They placed the request for forbearance extension and advised us that I should receive an answer from XXXX XXXX via email or formal letter of status of forbearance extension we should wait to call again after XX/XX/XXXX. 

Today is Monday, XX/XX/XXXX and again had a conference call with my HUD XXXX with Shellpoint to check on the status of my forbearance since I had only received one letter dated for XX/XX/XXXX that did not include a forbearance extension as one of my solutions. My hardship has not changed and I am still unemployed and can not move forward with anything other than a forbearance. Again we were unable to directly contact XXXX XXXX and spoke to agent XXXX XXXX who also failed to reach XXXX XXXX multiple times. They placed an escalation on my request and were told that an answer would be provided in 3 business days and to contact them again on Friday, XX/XX/XXXX. I am concerned because previous conversations that my forbearance would end on XX/XX/XXXX. My assigned agent has not contacted in quiet a long time and they have contacted me on at least XXXX different emails and has refused to communicate several times unless I included their Loss Mitigation team making it very hard to have a consistent and reliable form of communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There are two charges from XXXX in the amount of {$620.00}. One hit my account on XX/XX/23 and the other on XX/XX/23. I have no idea what these charges are for. I have never ordered anything from this vendor. 

I have called the company at least three times trying to resolve the matter. They insist the charges are valid despite my statements that neither of these charges were made by me. 

As a result, I am over my credit limit and being charged late fees.

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 monetary relief
Consumer complaint received 2024-02-06
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On the morning of XX/XX/24, we tried to have money wired from Citibank to an attorney 's office for closing on a house. Why had originally planned to use another institution for this, due to Citibank 's reputation, however the night before, without notification, Citibank chose to invalidate a check to our other bank, hours before it would have cleared, despite having had six days to process it. No explanation was ever given as to why Citibank clawed back these funds from our other bank account. The amount of money we needed to transfer was in excess of the {$50000.00} wire limit and when we called to try to bypass this limit we were told that the only way to do so would be to upgrade our account to one with a higher minimum balance requirement. We were, however, assured that the transfer would be completed by XXXX XXXX  that day if we did so. This is still an excessive amount of time for a wire transfer, considering that just that morning XXXX XXXX had been able to do a wire in under an hour. 

When we subsequently called to try to check on the status of the transfer, we were told that it would take " four to eight hours '' ( later we were told 24-48 hours, which is probably what was meant originally, but the call center in XXXX had XXXX call quality ) and there was no way to speed this up whatsoever. We were given no explanation as to why an alternative timeline way given. Upon escalating the call we were told they would prioritize our transfer but still given the same timeline and no explanation as to why the timeline had changed. The Citibank representatives suggested we could use a check, XXXX, or ACH transfer to move the money sooner, which is not how closing on a house works in the US, though I do have sympathy as the laws and customs are likely different in XXXX, where the representatives live. 

We are writing this more than 24 business hours later ( plus a weekend ) and the prioritization seems to likely have been a lie as the funds are still in the " pending '' stage, apparently not having even begun processing.

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 2024-02-06
Company: Valor Intelligent Processing, LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled our account with XXXX, and they billed a month ahead. I called about this and they refunded. Then they charged us again, said we didn't pay it and sent it to collections. I disputed it with the collection agency with plenty of proof and they never responded. More than 30 days had past and my wife sent an email again that reads : It has been over 30 days since I emailed you requesting that this erroneous debt be corrected. It is your job to respond as to the status, and I can only assume that since I did not hear back from you within the legally allotted time that this has been dismissed. Please respond that this is in fact what you have done. 

They responded back saying we had to contact XXXX. Today, I received another letter from a different collection agency. I will dispute with them as well. 

How can we be sent to collections AGAIN when XXXX AND a different debt collector couldn't prove we owed it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: Firstsource Business Process Services, LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from a company called One Advantage, LLC, They claim that I owed money ( {$1000.00} ) and asked me to pay {$150.00}.

I never heard of the medical company they referenced, never had service from them.

This is clearly a scam that is trying to take advange of persons who may have medical debt ( many people do given the cost ).

I am reporting it so that others are not harmed by this scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28
Company: Westlake Services, LLC
State: MO
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 and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared according to 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Western Funding Inc is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Western Funding Inc, the financial institution, and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Western Funding Inc whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Western Funding never informed me of my right to exercise my nondisclosure option. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of said reporting services.

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 2024-01-27
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received three letters from two separate credit card companies letting me know my " application '' had either been denied or, in one case, they needed more information. I have freezes on my credit lines due to identity theft that took place in XX/XX/2022, so that was why the accounts were not able to be opened immediately. However, someone is trying again. 

Two notices were from Citi Cards and one stated that they were denying it because of multiple applications submitted. I haven't called them because there is not a phone number anywhere on either notice. 

One notice was from XXXXXXXX XXXX for a XXXX credit card. They are the ones asking for more information. 

In XXXX  I received email notifications, so they were actually using my email. This time I haven't, so I assume they applied with a different email.

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 2024-01-26
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Credit acceptance is charging me for a 2013 XXXX XXXX that is over priced and I have high entrance rate and come to find out the car is not worth that much i been tryna to get it removed and I have multiple late payments that need to be cleaned up

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