BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-21
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - Shellpoint mortgage was paid off due to a refinance. 
In XX/XX/XXXX, I decided to sell the subject property and received title. On title it still showed a lien with Shellpoint. I contacted them immediately and asked for a release of lien. I have e-mailed with XXXX XXXX several times and Shellpoint is refusing to send me the release of lien and is refusing to send it to the XXXX XXXX XXXX. My closing is scheduled for XX/XX/XXXX and the negligence by Shellpoint is going to end up costing me the sale of my house.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One is reporting a debt on my credit file I do not owe. My vehicle was damaged in a natural disaster, so the insurance, XXXX should have taken care of the debt as part of the disaster, and should be covered under that. I spoke with Capital One and they advised me not to make any more payments due to it being covered. They are reporting this debt as a repo and it shouldn't. This is in clear violation and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TransUnion is reporting a tax lien from the XXXX of Georgia in error. The XXXX of Georgia shows I do not have a tax debt listed with them. The TransUnion report shows a lien placed in 2007, however I did not live in Georgia that year. I filed a complaint that the lien was placed in error but TransUnion said it was validated without offering any proof as to how they validated with the XXXX of Georgia in a few days investigation. The Georgia revenue office says they do not validate debts with credit bureaus and do not report anything to credit reporting agencies. I would like this public record removed from my credit report.

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 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have submitted a dispute complain to transunion to remove inquires from my file because they were not supposed to be there but they refused with out any explanation. 
file a dispute XX/XX/2018 and waited for month.

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 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX/XXXX  ( Charge-off ) Transferred or Sold Opened XX/XX/2014 ( 4 yrs, 1 mo ) You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of this listing. The negative marks are inaccurate. There is no contract or valid claimI want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
It is against the law to attempt to collect a debt twice ... 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

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 2020-05-11
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX  XXXX XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$990.00}

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 explanation
Consumer complaint received 2018-05-16
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX we notified XXXX XXXX of our intention to disconnect services to our home. 

We received an invoice from for XXXX XXXX {$420.00} I called and spoke to XXXX customer service agent XXXX on XX/XX/XXXX. She noted that she had reviewed my account and would submit an adjustment for {$420.00}. XXXX said my account is closed and I owe no money to XXXX. 

I then received a call from a collection agency saying I owed XXXX XXXX. 

I again called XXXX XXXX customer service at phone number XXXX xtn XXXX and spoke to agent XXXX who reviewed my account and she said see saw my prior call with XXXX. XXXX reviewed my account and again stated she had made a {$420.00} adjustment and a {$5.00} security deposit return to make my balance owed as XXXX. 

I then received a letter from Credit Protection Agency whom I called and told them XXXX started I have a XXXX balance. They told me they showed I had called to dispute the charges and they had contacted XXXX on XX/XX/XXXX who stated I still owe {$420.00}. I gave them names and days of XXXX employees and they said there is no thing they can do as they are only " allowed '' to dispute the account once. They refused to try contacting XXXX to clear up the issue. 

I then called XXXX XXXX to XXXX service and spoke to XXXX who said she sees the notes I offers happened and that she could not help me at this point. I asked to escalate and she transferred me to XXXX Supervisor in Collections with badge number XXXX who said he reviewed my prior calls and also believes I owe no $ to XXXX but said there is nothing he can do. He said he can not call the collection agency once it was transferred to them and it was likely a system error since he sees the notes of my supposed resolution with several customer services agents over almost a year. So XXXX transferred me to XXXX who reviewed my account and validated my prior actions and said she said there is nothing she can do. I asked to speak to an executive and she transferred me to XXXX who stated it appears I was potentially overcharged fees since I last paid on XX/XX/XXXX for services from XX/XX/XXXX to XX/XX/XXXX and services were disconnected on XX/XX/XXXX. XXXX said the debt was sold to the collection agency and there is nothing he can do to help resolve this issue.

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 2020-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My XXXX XXXX Visa, issued by Bank of America, was taken an fraudulently used. 

In the months : 1. XX/XX/2020 15 Unauthorized charges totaling {$420.00} were made 2. XX/XX/2020 15 Unauthorized charges totaling {$1700.00} were made Total Fraud Charges = {$2200.00} I have filed multiple police reports w/the XXXX XXXX County Sherriffs Department. 
XXXX XXXX County Sheriffs Department Detectives have investigated the theft. 
And Ive submitted their police reports to Bank of America as advised to me by the detective. 

I have a suspect of a person who took the card and was using it, whom the police have investigated. 
The person has since fled the state and the police have informed me that since this is a small scale grand theft they can not pursue the person into the other state. 

The investigator at Bank of America told me in one of my many phone calls with them he has no respect for the police. 
Further, he verbally told me on the call he does not care what a police officer says, he will not accept the police report. 
He is clearly biased in this case. 

I have called multiple departments and Bank of America and no one else has been able to resolve this. 
Apparently their entire company relies upon this one biased investigator sitting in some back office in Tennessee. 
They have told me no one else in the entire company can can help. 

Bank of America sent me a letter stating they refuse to honor their no fraud guarantee. 
They are telling me that I must pay for the charges on my stolen card created by the thief. 

They have told me that since the card was used in person, and since the thief signed the receipts I am liable. 
This is completely ludicrous and is not only completely unethical, it defies any reasonable common sense since obviously a thief would use the card in person and scribble a signature when needed. 

I would expect Bank of America to promptly reverse the charges to my account and not make me beholden the whims of thish one person who holds a grudge against police officers. 

Shame on Bank of America. 

Attached are copies of the original police report. 
Also attached are copies of two hotel bills charged to me in which you can see the person whos name on the bill is not even my own, yet BoFA is holding me liable for these fraudulent charges. 

Additionally attached is an XXXX spreadsheet w/the all the fraudulent charges highlighted in yellow and itemized for both months.

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 2018-05-16
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, XXXX, Experian and XXXX, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. XXXX lists my public record was updatedXX/XX/XXXX, XXXX, lists my public record update as XX/XX/XXXX, Experian has not updated my public record, but they also have not sent me their MOV either.

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 2018-12-14
Company: EQUIFAX, INC.
State: GA
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:
XXXX/XXXX  ( Charge-off ) Transferred or Sold Opened XX/XX/2014 ( 4 yrs, 1 mo ) You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of this listing. The negative marks are inaccurate. There is no contract or valid claimI want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
It is against the law to attempt to collect a debt twice ... 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My complaint with Santander Consumer USA is that they have incorrectly applied payments to my account. My payoff amount is at {$20000.00} with over 3 years of payment on a {$25000.00} loan. Upon review of my payment history, they have opted to apply the full amount of several monthly payments to the interst on yl and none to the principle. This has occured despite the fact that I have paid a few dollars over the actually amount that is due each month. I have tried talking to them about this but they only try to fast talk me and call out a bunch of dates and number in an effeort to confuse me and address the real problem. The representative even admitted that the way they had applied the payments is not something that is outlined in my contract. They have taken upon thenselves to frontload the interest payments as opposed to applying the payment to both the principle and interest appropriately and according the the percentage of the interest rate. This is unfair and a malicious practice. I beleive the payoff would be approximately {$10000.00} less had they applied the payments as they should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: NC
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:
I submitted a dispute to have collection account deleted because their reporting this account from a third party vendor and by law Equifax can not report an account from a third party vendor only the original creditor and haven't deleted it, they deleted the other 2 with the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On  XX/XX/XXXX  my wife & I went to Bank of America (   XXXX   XXXX   XXXX   XXXX  ,  XXXX  WA ) to close our account. We were told to close our account, we would need to withdraw all of our money, then call their customer service number and instruct them to close our account. We did this and were told our account was then closed.
On  XX/XX/XXXX  an automated charge went through. Since it was pending, Bank of America automatically reopened the account. That has caused more funds to be drafted from the account and they have levied fees against us.

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 2021-06-07
Company: CITIBANK, N.A.
State: SC
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 got the CitiBank XXXX XXXX in XX/XX/XXXX due to a promation giving 50,000 miles. I remodel and resell houses so I make a lot of large purchases. The probelm began when I purchased a house in XXXX and wanted to build miles so I charged to the XXXX XXXX Since it was just opened, my credit limit was only {$7500.00}. When I got near that amount, I would pay off the card so I could continue to use it. 
The issue is that Citibank " holds '' the payment for 10 days although this is an electronic transfer payment directly from a bank account. I have an XXXX, XXXX XXXX and XXXX cards ; none of them do this. You pay by the time of day stated and it's posted that night. I thought the " holding '' period seemed convenient for them as the statement closed on XX/XX/XXXX so they would have to have it posted before the next bill went out. Maybe, maybe not but I couldn't ignore it. 
I called several times about this. The last time was after I made a payment for {$7800.00} from a XXXXXXXX XXXX account that posted in my account on XX/XX/XXXX. 
( XX/XX/XXXX XXXX - XXXX XXXX Credited {$7800.00} ) When it had not posted by the XX/XX/XXXX, I called and was told it had to clear to be sure the money was in my account. I countered that if the money wasn't in my account, they wouldn't have paid it. He then said if I paid by debit card it would clear immediately ; well, that is basically what I did. Payment from the bank is exactly like using a debit card remotely since it was impossible to swipe a bank card to pay it. We had additional conversation about it including that it wouldn't " clear '' until XX/XX/XXXX. This sounded ridiculous and just wrong. I wanted to use the card to purchase cabinets but couldn't so used another card. I just wanted the miles with XXXX. I called again on XX/XX/XXXX as it still had not been processed even though it was taken from my bank account on XX/XX/XXXX. Again, I was told multiple reasons why " holding '' was their policy and it would not clear until XX/XX/XXXX. At that point, I closed the account as it was of no use to me and their practice of " holding '' funds for such an extended period seemed illegal to me. This has to violate some banking regulation! They are holding people 's money and using it for extended periods of time before processing payments. That must add up to millions of dollars they can profit using other people 's money without permission while the customer has no access to it. Thank you for anything you can do about this. It won't help me but it can certainly stop them from withholding money from consumers while they make use of their money.

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 2020-06-04
Company: Cottonwood Financial Ltd.
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2020 PAID XXXX After several times of contacting them the balance finally showed a XXXX recently XXXX showing as an open collection this has dropped my FICO 4 score 49 points making

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: AVANTE
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No Debt Validation letter. I had no idea they had a debt owed to them by me. They Haven't even told me what the debt was relating to nor provided any documentation to me. I was never given written notice, so I could formally dispute the debt. Yet they reported it to a credit bureau XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation