BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-19
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I got notification that my loan has been transferred from XXXX XXXX XXXX to New Rez LLC. Everything was fine until I went to pay my mortgage online one month and I saw that I had a {$100.00} fee on my account. I looked at the charge and it had no details as to what it was so I sent a message to New Rez through my online portal inquiring this and it took weeks to get a reply. They then sent me a response saying " Please be advised, there is a fee balance of {$100.00} was assessed by the prior servicer for Prior servicer Cost assessed on XXXXXX/XX/XXXX. Please refer to the Loan Transaction History ( enclosed ) showing when the late fee was assessed. Since the late fee balance was not paid, it transferred over to Newrez. Please note, Newrez strives to protect your personal information from unauthorized access and use. As such we use security measures to meet those goals. These measures include computer safeguards and secured files. To open the secured attachment, click view message in the blue shaded area, enter your email address, and then create a password to view the document. '' I then reviewed the account history that they sent me and no where did it say it was a late fee. I've never paid my mortgage late. Looking at the history, I noticed that there was a {$100.00} fee going all the way back to XXXX XXXX XXXX and there are credits and debits that essentially cancels out the charge, but it's still showing there on my portal. When I got to thinking about it closer, I had another complaint with XXXX XXXX XXXX about them not removing my PMI and they were to refund me {$100.00} for the appraisal fee they requested to have my PMI removed. My guess is that they made an error and added the charge back on or messed up their accounting since I do not owe them {$100.00} for a fee since I had already paid it. I called New Rez about this and they essentially said that it's weird and they don't know what it would be. after talking to a service rep who didn't know how to do her job, I got transferred to a XXXX who looked at the transaction history and agreed with me that it made no sense and she didn't know what it would be. This managers name is XXXX XXXX. She told me she would get back to me and never has. That call took place over XXXX weeks ago.

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: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me. I have never had an account with XXXX XXXX or Sunrise Credit Service. This account may be a result of identity theft, as I have already been a victim in times past. Please remove this fraudulent account immediately.

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 2024-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Account closed without my consent and during billing error dispute

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 2024-01-19
Company: Shellpoint Partners, LLC
State: FL
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:
XXXX. We were approved for a mortgage and it was sold to Shellpoint/Newrez.

2. We continue to get confusing and conflicting letters from Newrez including asking us to change our address to one that does not exist in our building.

3. The insurance department will not use the instructions that we provide them to request our XXXX every year.

4. Last year and this year, they have force placed insurance on our unit. ( We filed a complaint last year and it was resolved by putting the money that they erroneously collected into our escrow account ( obviously, we would prefer to have that money in our account and it is THEIR error ).

5. After submitting the XXXX  this year for them ( again, they ignore the numerous emails, letters and phone calls asking them to please use the instructions the building 's insurance company provided us for them. They do it by email and not fax ), they have force placed wind insurance on our unit. 
6. We call and speak to agents that agree that we have sufficient coverage and then we start getting the letters again.

7. Our XXXX is the exact XXXX coverage that we had when we bought our condo. We maintain proper coverage and we do not have time to do this year after year. My mother is XXXX XXXX XXXX and I do not have the time or energy to fight my mortgage company. We pay our mortgage payment via the auto draft, and we maintain sufficient coverage. This has become harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Bank of America pulled my XXXX credit report without my consent/permission. The auto loan was for the business and should have used the business credit score.

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 2024-01-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use USAA bill pay. I set up my payments as usual. I typically allow XXXX " buffer Days '' from the actual bill due date to account for any delays in processing. I set up a payment to pay my XXXX XXXX  credit card. The payment was taking a bit longer and when I checked it was not deducted from my account in the usual time frame. when I opened my billpay transaction information, it stated a physical check was mailed on XXXX XXXX  for a XX/XX/XXXX bill. As I made several inquiries it was found that XXXX transactions was doing the decisioning of ACH vs physical check. I was double checking if a check would be sent by default and if there was any processing error that would have chosen this method. The answer shocked me, it is up to XXXX card to provide how they want to be paid, and that there is logic that states if it is a " small amount '' pay by ACH, and if it is a " large amount '' pay by physical check. 1 ) I did not get a notification on USAA side ( text box ) this payment may be delayed as it will be sent via a physical check, you may want to choose a different method of payment to ensure you do not incur and fees or penalties. 2 ) I believe this is predatory lending, how can I know if I typically only charge XXXX /mo that a XXXX charge would follow a different payment method ( taking much longer ) and be set up to be delivered late and charge fees purposely on a larger amount. I believe a customer would not be able to randomly adjust the payment time without the knowledge up front that the payment is going a different pathway. I find fault with USAA to allow this option, and to not give notice/option to cancel a payment by providing this information while you are in the process of setting up a payment. the stages in payments for billpay, are processing, and then a physical check was sent, which happens after a time.other people may not have put XXXX and XXXX together because some payments go through and some are delayed, ultimately giving up and paying online or in the store ( simply not using the service ). I would like to see a blurb/text box pop up if a company does different payment methods and what the terms are in advance of setting up a billpay. it is not enough to send a physical check with XXXX business days to get mailed, processed and credited, which is what the XXXX decisioning is set to for XXXX payments from USAA. Thank you

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: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi I was expecting some family support funds from a family member which was done successfully and I couldnt confirm transaction from my bank because the account was close according to the customer representative I ask her to confirm my balance which she couldnt confirm

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: The Receivable Management Services LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear The Receivable Management Services LLC, I am writing to dispute the validity of the debt referenced in your recent communication dated on XX/XX/year>, which I received via CFPB. It has come to my attention that the initial communication did not comply with the requirements set forth in Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

According to Section 809 ( b ), within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall send the consumer a written notice containing the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

4. A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
5. A statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor. 

I did not receive a written notice that adheres to the requirements mentioned above within the specified timeframe, thereby violating my rights under the FDCPA. This violation is considered a serious matter under the law. The bill is not proof of a debt validation letter and unfortunately that is not my current mailing address. Therefore, that is not a debt validation letter because I never received it. I also have proof that I do not live at that address. I have updated my current address with all three major creditors as well.

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 2024-01-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Received a notice that my Fixed Rate APR will be changing in less than XXXX XXXX. My options are to deal with it, or close the account. They have told me only that " market conditions '' have caused them to raise rates across the board and that the prime rate has affected it. Since the prime rate has not raised XXXX XXXX  ( they are changing my APR from XXXX XXXX to XXXX XXXX  ) I asked for further clarity as well as a formal response to my complaint. They refused to give any sort of confirmation or tracking for my complaint, stating that they don't have that capability and that my feedback " has been recorded '', though there is no way for me to access that information. It's absolutely disgusting that they can raise rates this much with just XXXX or so XXXX  until it goes into effect. Citigroup is not hurting financially.

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 2024-01-26
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of this year, I purchased a laptop computer from Best Buy and utilized your credit card service for installment payments with zero interest charges. I made timely payments for the first two installments, as evidenced by the enclosed documents dated XX/XX/XXXX and XX/XX/year>. 
However, unknowingly, these payments were directed towards my old Best Buy account. 

Upon being informed of the mistake, I contacted Best Buy, and their representative attempted to transfer the payments to my current account, number ending XXXX Unfortunately, due to system limitations, they were unable to process the transfer and instead issued a refund check to me for the total amount of {$110.00}, dated XX/XX/year>. Subsequently, I promptly reissued the payment to the correct account on XX/XX/year>, in the same amount. 

I was explicitly assured by Best Buy representatives that this incident would not impact my credit rating due to the error being rectified. However, to my dismay, I observed my credit report drastically decline from XXXX to XXXX following the reporting of two delinquencies Best Buy Upon contacting Best Buy again, I was informed that they were unable to rectify the information provided to the credit reporting agencies, despite assurances of resolution within 40 days. The subsequent letter received on XX/XX/XXXX was equally disheartening, confirming the inability to amend the reported data. 

Enclosed are all necessary documents, including copies of the refund check, subsequent payment, and evidence of the initial timely payments, to support my appeal. This discrepancy has adversely affected my career prospects, impeding my ability to secure employment in an industry where I have accumulated over 30 years of experience. 

I urge you to help rectify this grave error promptly and restore my credit to its prior standing before this unfortunate incident. I implore for corrective action to be taken swiftly to alleviate the unjust ramifications on my credit rating, as I am striving to resolve this issue amicably without resorting to legal involvement.

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 2024-02-05
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft and I need help getting this debt off of my credit report as soon as possible please and thank you

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: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This medical debt was sent to collections within 6 months of date of service. Per the XXXX XXXX XXXX, they were supposed to wait 1 year before reporting the debt to collections and also allow us opportunity to dispute the charges because they were paid by insurance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: McCarthy, Burgess & Wolff, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, here is the email that they sent and this has already being disputed to identity theft. They are harressment with more XXXX. XXXX knows that I'm faithful and don't need this XXXX. 


McCarthy, Burgess & Wolff , Inc. ( MBW ) is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Our office hours are Monday through Thursday XXXXXX/XX/XXXXto XXXXXX/XX/XXXXXXXX and Friday XXXXXX/XX/XXXXto XXXXXX/XX/XXXXEST. 


Our information shows : XXXX XXXX referred account number XXXX to our office for collections. 
MBWs internal reference number for this matter is XXXX. 


The balance as of XX/XX/2023, was : {$1800.00} Since XX/XX/2023 until today : Interest, Fees, Costs : {$.00} Payments Made : {$.00} Credits/Adjustments Assessed : {$.00} Total amount of the debt today : {$1800.00} NOTICE : PLEASE SEE BELOW FOR IMPORTANT CONSUMER RIGHTS INFORMATION. 

Regards 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 2024-01-16
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The company lied in their statement my vehicle had engine failure that was never fixed XXXX  XXXX will tell you that now credit acceptance is sitting on my credit stating that I owe them XXXX for a vehicle that they sold with a bad engine I didn't even drive the car for 6 months I'm sitting here with paperwork that they'll settle with me for {$2000.00} that's the amount I put down to get the car off the lot because I requested my money back or to be put in another vehicle with the same contract. At this time I want credit acceptance removed I'm on XXXX I need transportation and I feel like they totally took advantage of my situation. And currently they're the reason that I can't get a vehicle loan. I applied for a loan they told the new car dealership they'll give me a loan if I put {$8000.00} down I want them off my credit.

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 2024-01-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
hurricane XXXX flooded our home XX/XX/2023. we hired a Public Adjustor. we received a check for $ XXXX plus and Truist is holding the check and will not pay us any funds to repair our home. we owe aprox. $ XXXX on the home. we make appointments for them to inspect repairs that have been made and within XXXX hours they cancel appointment. they refuse to tell us why, they refuse to fund for repairs needed. everytime we try to cash smaller funded checks ( {$500.00} ), they tell us branch managers must approve, then branch manager says they can not approve. then we have to send the checks to the bank and they hold them. they refuse to expalin why they will not give us the difference between the mortgage amount owed ( $ XXXX ) and the $ XXXX they are holding. can not repair the home, can not live in the home without further repairs that they refuse to give us our money for.

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 2024-01-22
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I repeatedly have asked for the final bill from XXXX. I left the company owing {$610.00} this was the amount showing in my XXXX app. After I left XXXX I lost both access to my account information and my ability to make regular payments. I have spoken to XXXX on the phone and via email to get an accurate balance. I've also asked then via email why the final balance is greater than it was before I left and to explain it. Not only have they never responded with the information, neither responded to my request to make payment arrangements for the balance... they just sent my account to COLLECTIONS for an exaggerated amount. 
I opened an email from IC systems over the weekend and had to check ( 2 ) acknowledgement boxes BEFORE they would let me access the screen that showed how much they say I owed which I do not accept. I do not owe an over {$900.00} dollar balance. They are trying to extort money from me and other consumers according to an existing lawsuit and settlement which is actively being adjudicated. My account does not belong in collections and they better not try and report this to the credit agencies as I have not be allowed to 1 ) access the system to pay the balance myself 2 ) make monthly payment arrangements to settle the matter.

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