BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started when I was laid-off back on XX/XX/2018. I got behind a couple of months. I paid one month when I received my tax return. I applied for a modification with XXXX which was my Mortgage Company. They denied me the loan mod. due to unemployment was not considered an income. I found a job in XX/XX/2018. I applied for the loan mod. again resubmitting documentations and application along with pay stubs. I was able to make one payment. XXXX would repeatedly state that they never got all my paperwork send it again. Then one day they told me my loan was being sold and they had all my documents and they would transfer my docs to my new Lender Shellpoint. it took a month for me to finally get my transfer completed. Shellpoint stated that they did not receive any documents from XXXX and I would need to start the process over again to get a loan modification with them. So I asked if I could make at least make a payment and they stated no not at this time they would need at least {$5000.00}. So I begin to scan my mod. application and all the documents they requested. and again they would state they never received or they would request that it should be sent a certain way. When I started getting the run around again around back in XX/XX/2018. I decided to seek help. So I hired a Law Firm needless to say it still was no help everything I submitted to the Law firm and cc Shellpoint documents was still incomplete the Law firm was upset as well. I just don't understand now I'm paying a Law firm when I should be paying my mortgage. I'm so upset I can't sleep at night I work and I have a business which is suffering as well. When I could be thriving in my business if it wasn't for this foreclosure hanging over my head. I have a license Group home that I can have provide services for the Elderly and XXXX adults to live in family environment instead of nursing home. I have a Provider and medicaid number I can bill their insurance companies for the services that we provide. But unfortunately I had to return my Residents in fear that I will be foreclosed. Shellpoint Mortgage is not letting me make payments by giving me the chance to modify my loan and keep my home. I don't know if the Law firm is in on it as well. This is not fair for hard working families. I have all the emails and documents that was faxed and scanned to XXXX, Shellpoint and Attorney 's office. I have answered every request the Attorney 's office only calls me back when I call them for updates. and when I receive mail from Shellpoint 's Attorney I immediately update the Attorney. Please help this so frustrating!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
on XX/XX/2020 i purchased a pair of sunglasses in XXXX, GA on our way to XXXX XXXX for vacation. On the second day of our vacation now XX/XX/2020 we were enjoying the beach and swimming in the ocean and my sunglasses were stolen off of our chair. Within the American Express Purchase Protection benefits stolen items are covered. After filing a claim with them ( the first time i have ever filed any such claim ) it was denied as " mysterious disappearance '' and as such not covered. This feels EXTREMELY ambiguous and ripe for abuse. They stated i was unable to provide proof that my item was stolen although all i was asked for a receipt of the purchase which i provided. Upon doing this leg work at no point was i given any inclination that i needed to become a private investigator for the insurance company to provide proof of this theft. Based upon my history or lack there of when it comes to filing such claims i feel the offer of " Purchase Protection '' is a deceptive practice and one that misleads a general consumer. If the insurance company does not want to cover stolen items then it should not be promoting this as a benefit and drastically modify their disclosures to be understood by the general public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have XXXX  credit monitoring service and was alerted of a an Inquiry for a personal loan. I immediately called the agency and advised them That I did not apply for a loan with them and it was frad withing minutes of the alert. The Inquiry still appears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been working with origin creditor to get this account resolved. I have spoken to XXXX XXXX, on behalf of XXXX XXXX, we established that the last four of my social security number XXXX is not the same as the social security number that is on this account. How can the credit company the account was sold to have something different from the original creditor. Also, on my credit report this account is listed as open in XX/XX/XXXX when in fact XXXX XXXX said this account was open in XXXX. How is this not fraud? 

I gave XXXX XXXX the last four of my social security number approximately on XX/XX/XXXX and a few days later my last four of my social was put on here by PRA how ironic, now XXXX XXXX is investigating because they explained to me that my social is not the one that is on this account and they do not understand how PRA has something different from what they have provided in their systems. They do not understand why PRA even have the social ending XXXX when they assured me it will go no further than there fraud department investigation after I supplied it to them. 

This is fraud, bullying, and harassment and something needs to be done for I will not stop fighting for my rights. And I have the right to clear my name and social security. And that is exactly what I am going to do with facts. I will not stop until they remove this account off of me for it is not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: Ignite Revenue, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/19 XXXX XXXX is the name of one of the companies. The company is calling the wrong number. They are asking for someone else who I do not know and is not at my number. I.e. XXXX XXXX, I have told them numerous times they have the wrong number and I am not the above person. I do not have an account, owe a debt or business with this company. Evidently the individual has numerous accounts ; where as several companies with different numbers are constantly calling asking for her. Tele # of company XXXX XX/XX/19 Company name unknown Same issue as above. Tele # XXXX XX/XX/19 Company name unknown Same issue as above. Tele # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
DateXXXX XXXX, XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, DC XXXX Request Originator DateSep XXXX, XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, DC XXXX Request Originator Has put hard inquiries on my credit report without my knowledge or approval. Tried to dispute it and they obviously provided some fraudulent paperwork to substantiate it. They have done this twice in the last two years

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 2021-08-19
Company: FIRST COMMUNITY MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Overall closing went well for me, however during the transfer to another mortgage lender the company refused to take my payment before the servicing was transferred and then proceeded to expedite my transfer, thus terminating my account and canceling my payment. 

On XX/XX/XXXX I received a letter that the servicing of my mortgage load is being transferred and would be effective coming XX/XX/2021. And that I was to pay the the other company starting on XXXX XXXX. The letter clearly states " First Community Mortgage , Inc. ( " Present Servicer '' ), is now collecting your payments and will stop accepting payments received from you after XX/XX/2021. Y '' which is then followed by " ... ( " New Servicer '' ), and will begin accepting payments on or after XX/XX/2021. '' This would indicate that I could pay my bill early this month through FCM ( First Community Mortgage ) and not have to deal with the hassle of trying to pay a bill on the day that my service is transferred over on the XXXX of XXXX to the new mortgage company. 

I attempted to pay my bill on the on the XXXX of XXXX. I received a confirmation email that the one time draft activation had occurred. However I received a call from a restricted number on the afternoon of the XXXX of XXXX from a man who said his name was XXXX that my payment did not go through. I asked what the reason was and he wouldn't really give me an answer of what happened but did let me know that he would put in the comments of the tracking of this payment that I had been called. I checked with my bank and I had the appropriate funds for the payment so I went back to the FCM dashboard to see that " Loan removed due to release '' had occurred on the XXXX of XXXX. This is a full 13 days early to the transfer that was listed on the letter I received on the XXXX of XXXX. I attempted to call the customer service line and the person I spoke to was very kind but unable to do anything and said there was no history of my attempted payment and that I had already been transferred. I voiced my concerns there however there is nothing they were able to do. 

This complete negligence regarding abiding to transfer dates they previously provided consumers is deplorable and unacceptable business practice for any company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
BBVA changed the way my minimum payment was to be calculated by adding a disclosure to a bill that I never saw, so i wasnt able to opt out of the change, resulting in a {$25.00} per month increase of my min. payment due. I am on fixed income, can not maintain the higher pmnt. 
Called and spoke with male, who couldnt help and transfered me to a supervisor who refused to help me ( Supervisor : XXXX empl # XXXX ) The co obviously minimally disclosed change so they can get more $ $ every month on high risk debtors they feel may eventually stop paying them. They have my email and my phone for texts if they wanted to make sure I understood my option to opt out of the increase. I feel the disclosure was insufficient and I should be opted back to my originsl agreement with them. 
My complaint reference # with BBVA is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is in violation of my Hippa rights reporting medical debt these accounts are also from collection company that I have no contract with.

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 2019-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Capital One Credit card where the minimum balance is {$140.00}, I have recently lost my job last month and going through financial hardships trying to pay my bills on time. Ive been late on a few payments but the late fees are taking a toll and my credit score is steadily decreasing. I have a 96 % on time payment history and would like to keep it around that amount if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I was contacted by First National Bank Of Omaha for the collection of a debt of {$18000.00} and on XX/XX/2019 for {$25000.00}. Both from First National Bank of Omaha. Two separete debts. After going through my paperwork, I was unable to find any contract between First National Bank Of Omaha and I. On XX/XX/2019, I requested in writting a contract with my original signature for both debts, and was unable to receive an original contract with my signature. Then on XX/XX/2019 I received letters from their Attorney. I also requested an original contract between First National Bank Of Omaha and I.

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 2019-05-14
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account paid in full directly to XXXX on XX/XX/XXXX in the amount of {$730.00}. The credit agency, Convergent Outsourcing are continuing to report this account as a collection to 2 credit bureaus unlawfully although XXXX has removed the Written off notation from my account. 

Payment conf # XXXX Case ID # 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 2021-03-25
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of 2020 I paid off my XXXX XXXX credit card only to find that Commenity Bank assessed fees they have never assessed before so that it could not close. After 2 months they called me with a new balance which I paid half of, even though, again, they were fees that were purposely assessed based on my desire to close the card. I have read a myriad of platforms that suggest this is a predatory process implemented during the Pandemic when XXXX  XXXX itself was closing and going through bankruptcy. This single action and my fight to rid the excess of fees has caused my credit score to decrease XXXX points in 3 months. I have received hundreds of phone calls for now another 2 fees assessed that still equate to below {$100.00}! This is predatory behavior against consumers during a time when our country is in crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit System is reporting a fraudulent account on my credit report for a company name coserv acct # XXXX and so reporting a fraudulent address on my credit report that have never been associated with. I notified the company that I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2021-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was trying to sell a knife set online. I was approached by a XXXX XXXX who agreed to pay the full price of the set : {$2000.00}. He then sent me a cashiers check of {$3400.00} and told me to transfer {$1400.00} to a XXXX through XXXX. I sent the payment to the supposed shipper and check my account to find that the check bounced. And when I contacted the shipper they declined the refund.

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 2021-03-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My original loan was sold in 2020 to Lakeview loan servicing XXXX XXXX and the amount of the original loan has changed. I have called to ask why the amount has changed and the previous mortgage company wants to know why as well because it should be lower. XXXX XXXX will only tell me it's a piggy back loan but refuses to furnish any documents pertaining to the additional amounts owed as a second mortgage and hangs up on me or leaves me on hold then hangs up. I would like a detailed explanation of the loan and why has a second mortgage been taken on my behalf.

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 2021-08-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have challenged several inaccurate and false accounts on my Experian credit report. However, they have failed to properly, legally and transparently investigate these accounts which are damaging to my reputation. I hereby ask the CFPB to ensure they delete these accounts after any re-investigation which must be completed within 30 days or less. Below I have attached the most recent challenge letter I sent to Experian about these accounts to aid their deletion.

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 2020-02-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian has not properly done an investigation of this matter. I have submitted proof that this report is not mine and they still fail to delete it from my records.

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 2020-02-20
Company: MORTGAGE LENDERS OF AMERICA
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a conventional mortgage with XXXX XXXX XXXX, XXXX ( XXXX ) on XX/XX/XXXX for a single family home. In late XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX indicating my loan had been sold to XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and that payments beginning in XX/XX/XXXX must be made to XXXX  ; the letter also stated that my payment due XX/XX/XXXX should be mailed to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX # XXXX, XXXX, IL XXXX. A payment was submitted via XXXX  XXXX XXXX online bill pay which arrived on XX/XX/XXXX. In XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX indicating my loan had been sold to XXXX , XXXX . ( XXXX ). In late XX/XX/XXXX I received a statement from XXXX dated XX/XX/XXXX indicating that my payment due XX/XX/XXXX had never been received and that another payment would be due in XX/XX/XXXX. I called XXXX at XXXX on XX/XX/XXXX to discuss the discrepancies on the XX/XX/XXXX statement and spoke with a representative named XXXX ( no last name was given ). She said that the XX/XX/XXXX statement erroneously reported the XX/XX/XXXX payment would be due, and that I should not make that payment to XXXX. She also stated that she had no record of the letter dated XX/XX/XXXX indicating that my mortgage had been sold to XXXX, and that I should be paying XXXX ( I later learned independently of XXXX that XXXX is a subservicer of XXXX loans ). Further, she stated that my XX/XX/XXXX payment to XXXX should not have been sent to XXXX XXXX XXXX # XXXX, XXXX, IL but that it should have been sent to XXXX XXXX XXXX, XXXX, PA XXXX as indicated on a statement I received in late XXXX, several weeks after my payment was due. She informed me that my payment would not be considered past due by my new mortgage servicer ( XXXX/XXXX  ) and that I should not send any more payments to XXXX because they would be received after XX/XX/XXXX, when XXXX/XXXX  took over servicing of my mortgage. Based upon that conversation I did not send any further payment to XXXX. I had already paid my XX/XX/XXXX payment to XXXX  via ACH transfer on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX indicating that I was past due on 2 mortgage payments, due XX/XX/XXXX and XX/XX/XXXX, respectively and that XXXX has " a right to invoke foreclosure based on the terms of [ my ] mortgage contract ''. I have not been able to reach a customer service agent at XXXX regarding this latest letter but at this point I have no confidence that XXXX can resolve these continued errors without outside intervention.

Company response to consumer: Closed with explanation