BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we applied for a loan modification through our mortgage servicer Shellpoint Mortgage Services. After many months of calls, emails and misinformation we were denied Struggling financially, we hired a lawyer, and after many months they were also unsuccessful in any regular communication with Shellpoint to obtain a loan mod. 
We had no choice but to begin bankruptcy proceedings because of the fact Shellpoint was unresponsive to our requests. 
We entered XXXX XXXX with the intent of getting a loan mod and stopping any foreclosure action and the Covid-19 pandemic hit and all communication with Shellpoint ceased . 
Any and all communication to Shellpoint went unanswered. 
we opted out of XXXX  XXXX bankruptcy and our lawyer continued to attempt communications with Shellpoint to no avail. 
XXXX of XXXX after years of trying to settle this issue, Shellpoint answers our lawyers request for a reinstatement was answered. Shellpoint immediately put us in foreclosure and set up a Sheriffs sale without our knowledge. Bully tactics. 
Many emails and calls to Shellpoint from our lawyer was met with no replies, inconsistent replies or misleading financial amounts due for reinstatement. 
When asked for a reinstatement amount all Shellpoint could eventually produce was an email with a figure, {$170000.00}. When pressed for an itemized bill and how these funds were to be applied Shellpoint was unable to produce them and still has not. 
Our lawyer told Shellpoints lawyer that we will be willing to pay the past due but need a itemized bill and to delay the sheriff 's sale. Shellpoint again took weeks to reply only to refuse our request days before the Sheriffs sale. 
In order to stop the Sheriffs sale in XXXX of XXXX, we paid Shellpoint the {$170000.00} in arrears, they still have not notified us how these funds were applied. 
Shellpoint has since been unwilling or unable to produce any accurate financial information pertaining our mortgage and is once again ignoring our lawyers request for an accurate monthly payment which was due XX/XX/XXXX. We are now on the verge of a late payment by no fault of our own. 
Our lawyer has been attempting to contact Shellpoint for a month with no reply. Again. 
Shellpoint has shown a pattern of unprofessional, unethical and possibly criminal work practices since we first contacted them. And it continues. 
We are willing to pay them however they can not produce basic financial figures that a mortage servicing company legally has to provide. 

I believe Shellpoint Mortage Services should be investigated for their work practices. 
We just need them to provide accurate accounting so we can pay our mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EOS Holdings, Inc.
State: PA
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:
I have filed identity theft reports for XXXX collection accounts. These accounts are not mine and could be a result of prior identity theft and fraud. 

Account : EOS CCA Original Creditor : XXXX XXXX Balance {$180.00} Account : XXXX XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I filed the following CFPB complaint with the three credit bureaus on XX/XX/XXXX : " I had an account with Santander ( Acct. XXXX ). In XXXX I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of XXXX and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own. '' Continued : XXXX then removed the delinquency from XX/XX/XXXX through XX/XX/XXXX and then PUT THE SAME DELINQUENCY from XX/XX/XXXX through XXXX of XXXX. This is a willful violation of my rights under the FCRA. 

I have provided a copy of my file as it appeared in XXXX of XXXX. It clearly shows the delinquency ( that was in error ) in XXXX. I have circled the delinquency. I have followed this with copies of my XXXX Equifax showing the delinquency in XXXX ( also from XXXX ). NOTE IT SHOWS NO DELINQUENCY IN XXXX. 

I then provided a copy of my XXXX  file from this month showing the delinquency gone in XXXX but now added to XXXX where it never existed before. 

THIS IS HURTING MY CREDIT SCORE. This willful violation of federal law is punishable by punitive damages in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The fair market range price for the XXXX XXXX XXXX at the time of repossession was $ XXXX {$48000.00}. They only sold the vehicle for {$26000.00} in XX/XX/XXXX. The vehicle had XXXX, xxx miles at the time of sale. The creditor ( Ally Financial ) has purposely sold the car much lower than fair market value. The lender also never gave me any written notice of the date and time the auction was being held. The lender never gave me a written calculation of the deficiency balance, including a description of fees and charges. I was unable to participate in the auction and unable to exercise my rights in the matter. Ally Financial failed to provide me with the required written notices and destroyed my credit. I might take further legal action. Please let me know what I should do about this situation. 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 2021-03-03
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX I was notified of a debt that was owed. My wages were garnished. 
It was not my debt. 
I was sent paperwork stating that I was having my wages garnished with a fictional judge from my county. 
I went to court as I was on a docket. Spoke with Judge who verified XXXX on paperwork is phony. Received court documents from Judge dismissing suite . 
XXXX and XXXX I was contacted again by the same company with the same debt. 
I never even obtained said debt. 

It is now on my credit as a lein?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX Currently have some fraudulent inquiries appearing on my credit report. 

XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023

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 2021-12-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX Both Wells Fargo customer service - XXXX - Manager Escalations refused to give agent ID and XXXX XXXX Escalation Customer Advocacy Group did as well after I complained about unprofessionalism and sounding hostile on the phone. I was constantly interrupted while asking questions which made me feel degraded. I been a customer for over 8 years and can not believe the way I was treated today. 

I called to ask for an increase of the ATM withdrawal of $ 1k. The first representative told me I could do so until she checked and said I was not eligible. When I asked what does this mean to understand, she responded with she does not know. I asked for a manager whose name is XXXX which led to hostile responses to the point that I felt degraded. XXXX- the Escalation Customer Advocacy did the same to me even after I complained to her about XXXX by cutting me off while I was speaking. The calls are recorded, this happened around 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 explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 

Please delete the 3 following accounts from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: Experian Information Solutions Inc.
State: NJ
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:
The account from XXXX XXXX XXXX w/ a balance of XXXX is inaccurate.

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 2021-12-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a claim ( XXXX ) on XX/XX/2021 with Chase Card Benefits services under purchase protection. After filing the claim, I received an email on XX/XX/2021 that my claim has been moved to adjudication and I should wait for 5 days. I waited for 5 days but did not hear anything back. I then contacted Card benefits service customer care to check the status but I was simply asked to wait. 
On XX/XX/2021, I was told that due to the high claim amount, they need 8-10 additional days to process my claim. I waited and contacted them back on XX/XX/2021 but I didnt get any definite answer. I then requested to be connected to a supervisor and I was connected with XXXX ( supervisor ). XXXX said that he is sending an email to his leadership for an update and would get back to me in 1 business day. But I did not get any update. I have called chase card benefit service several times but no one is ready to give me a timeline on when would my claim be processed and paid. As per my benefits guide, I should hear back from then in 5 business days after I file a claim, but it has been over a month that I have been following up with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to Citibank, secured credit card was opened XX/XX/XXXX. Informed Citibank in XX/XX/XXXX this was not my account after seeing it on my credit report. Per Collection agency at the time, account was closed XX/XX/XXXX and I had no choice but to pay to get it off my credit report. informed agency it made no sense to open an account and then close it less than a year later and that it seems to be fraud but Agreed to pay XXXX dollars to have it removed, payment made XX/XX/XXXX debt was removed temporarily, then placed back on my report. XXXX I applied for a mortgage an found the debt back on my report. Called Citibank to inform them I already paid to have removed in XXXX and that this was not my debt, I have NEVER had or applied for a secured credit card from Citibank and was told I have no choice but to pay it because there are no notes on the account stating that I was paying to have account remove from credit report. Was then transferred to another department to pay debt AGAIN, but then informed by agent I would have to visit a branch to pay/ have removed. Visited Citibank Branch located at XXXX XXXX XXXX XXXX XXXX IL. on XX/XX/XXXX spoke to branch manager who sates she can't take a payment because the debt is not valid, there is nothing to post a payment to, told me to call XXXX number AGAIN, and tell them to remove debt. called the XXXX number back for the 4th time only to be directed back to the branch. refused to take any payment. So, I can't pay it or have it removed, and keep getting routed in circles.

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 2022-09-17
Company: NRA Group, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have 2 medical bills from the hospital since 2019 I have contacted the hospital and applied for the medical assistance program so they can pay my bills and I was approved and the hospital said that they paid all the bills and I have contacted the collection agency many times and I told them and its still on my collection

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 2020-11-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 at XXXX XXXX  I tried to make a deposit of {$2000.00} at an ATM and the machine started to reboot on me while making the transaction. I waited for it to reboot and go through its process, but when it turned back on my transaction was gone. The screen gave me an error message saying that the machine isn't working right now, and it took my money without giving a receipt or anything. I filed a complaint on the same day. Then a month later the claim I filed was reversed leaving my account negative with numerous overdraft fees. Weeks later I haven't had any resolution for the money I lost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, via US Postal Service, we received a Payoff Statement from Select Portfolio Servicing , Inc. ( SPS , Inc. ) dated XX/XX/XXXX with an incorrect payoff balance. SPS, Inc. indicated on this Payoff Statement that the unpaid principal balance was {$180000.00} and the payoff balance was {$200000.00} with an expiry date of XX/XX/XXXX. 

SPS Inc. 's reported unpaid principal balance of {$180000.00} on their Payoff Statement was incorrect which made the reported payoff balance grossly inaccurate. This meant that SPS , Inc. 's Payoff Statement was in violation of section 12 C.F.R 1026.36 ( c ) ( 3 ), and their reported unpaid principal balance was a covered error under section 12 C.F.R 1024.35 ( b ) ( 6 ). 

According to the agreements between us, and to which the company has a fiduciary obligation, the correct unpaid principal balance on XX/XX/XXXX was {$91000.00}. 

This correct unpaid principal balance of {$91000.00} was determined from and and is supported by the following evidence, which is overwhelming : Loan Agreement and Deed of Trust between us and the company and by the loan servicer transfer from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
Loan Amortization Table from SPS, Inc. dated XX/XX/XXXX, Loan origination and maturity data from all SPS, Inc. 's published monthly statements, and SPS , Inc. 's published on-line customer dashboard and payment history reports Furthermore, SPS, Inc. 's incorrectly reported unpaid principal balance of {$180000.00} on their payoff statement corresponded to the balance recorded on the Loan Amortization Table for XX/XX/XXXX, and not the balance corresponding to XX/XX/XXXX, which was the date that SPS, Inc. generated their incorrect payoff statement. 

In other words, SPS, Inc. 's incorrectly reported unpaid principal balance of {$180000.00} on their payoff statement corresponds to the loans unpaid principal balance when the XX/XX/XXXX installment was applied, which was 24 months ago, and not the correct unpaid principal balance of {$91000.00} on XX/XX/XXXX when they generated the payoff statement. 

Therefore, SPS, Inc. 's payoff statement is in error under section 12 C.F.R 1024.35 ( b ) ( 6 ) and is in violation of section 12 C.F.R 1026.36 ( c ) ( 3 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: OneMain Finance Corporation
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A man named XXXX XXXX ( something, the phone kept cutting out ) from XXXX and associates called from XXXX and insisted I had a debt that he was going to sent to court and have criminal charges brought up on me. He told me my name SSN DOB and address from 6 years ago. I didn't confirm anything but my name. When I pressed him he said the debe was from One Main Financial and that I had made arrangements to pay and had made XXXX payment of {$170.00} in XXXX of 2016. I denied knowing about the debt and demanded proof of such debt. He said good luck in court. I then found the number for One Main financial and called them I spoke with XXXX XXXX who verified I do not have any debts present or previous with them. XXXX then suggested contacting credit bureaus and law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account Name : DXXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation