BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The first and second monthly mortgage payment were received, one was posted the same day, the other was recorded about 14 days late. The following 2 month mortgage statements had about 48 erroneous credits and debits on the mortgage statement, none of the ACH monthly payments sent were credited to my account, thus, the principal and interest amortization schedule did not match my accounting. I have since then sent a letter from my bank, signed by the XXXX XXXX  Branch Manager that 4 monthly payments have been sent ACH between the XXXX - XXXX day of the month, I was concerned that a foreclosure could be started soon, should this not be resolved in time ( 90 days plus ). Sending numerous emails asking if the misapplied credit and debits are from other borrowers. The answer I received was shocking, the person mentioned in the email " that the account number is associated to 3 different loans so that's where the mixed up happened ''. This person also claimed that a refund of {$460.00} was sent to my bank. ( I thought ; how did this person have my bank account number and routing number? ) In her email she stated " the refund was sent, that this amount currently left to cover XXXX 's payment. '' She requested my bank statement, etc. it was then that I asked who authorized this refund, what was the reference number to this alleged refund and so on. She finally admitted that this so called refund was sent to someone else. The account number to my XXXX has now been changed due to this person mentioning that 3 other loans are using this number, ( in an accounting software? ). The fron of the monthly statement does not have a mailing/ payment address. My concern is also with the credit reporting agencies, I have not had a chance to request a report, since I never received an answer as to who this company NewRez reports to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've been in communication with Citizens Bank regarding the excess amount they are requiring as the beginning balance for our escrow account causing a shortage of approximately {$2900.00} when we already had an escrow balance of {$1500.00}. According to the regulations provided at closing the required amount for escrow is XXXX or XXXX of the amount needed. A starting balance of over {$4000.00} is about 40 % of the needed escrow funds. We find this to be excessive. 

I've reached out to the bank and questioned this as well as asked them to rectify. However, I keep being advised the " Office of the Chariman  '' is researching and will get back to me. The last phone call on XX/XX/XXXX I was advised they were still researching and I would be contacted on XX/XX/XXXX stating the Office of the Chairman had resolved the issue. I replied stating that I am not aware of any resolution and restated my concerns of the excessive escrow balance being required and referred to the Real Estate Procedures Act. Unfortunately, as of today, XX/XX/XXXX, I have not received any sort of response, update, or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX AMOUNT I DO NOT OWE IS {$1800.00} AND XX/XX/XXXX AMOUNT I DO NOT OWE IS {$670.00}. THESE AMOUNTS WERE ILLEGALLY PUT ON MY CREDIT REPORT BY XXXX XXXX ( {$1800.00} ) ALSO MIDWEST RECOVERY SYSTEM ( {$670.00} ) MY CREDIT REPORT HAS BEEN DISRUPTED BECAUSE OF THE FALSE IMPLICATIONS OF THE AMOUNT OF MONEY I DO NOT OWE. 
I AM BEING HARASSED BY THESE PEOPLE AND IT IS NOT RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Bowen & Associates Recovery, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had been emailing the collector and informed him that I was not responsible for the debt because management of the company had been changed and I gave them the name of the person who was. 

This debt collector used my sons phone number to call me with. My son, who is stationed in the XXXX XXXX and I hadnt talked to in a very long time and it was his birthday. So I thought my son got the chance to call me and it was the collector. He proceeded to be very insulting and I finally had to hang up with him. He called me names and was abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed a contract with XXXX XXXX XXXX XXXX on XX/XX/2021. Claimant used the right to recind contract on XXXXXXXX see proof through email. This collector has continued to list this collection on my consumer report and attempt to collect a debt which DOES NOT exist although I've advised them multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX I sent letters to XXXX, Experian, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.

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 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX I sent letters to XXXX, XXXX, and Transunion requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.

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 2018-08-01
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/18- Is when I saw that my loan company is corrupted and it has been report on XXXX   XXXX XXXX , that they are dropping the loans from AES . I have AES, they will not work with me on forberance, on lowering my payment, they keep raising the payment and it is getting harder for me to pay. There was a time they told me I never paid them and I did so I had to pay them again. Another time they got my loan mixed up with someone else 's loan. My main issue is that they would not work with me so I can pay them back. My second issue is that now that they are all over the news I need help and guidance how to fix this issue. 

The XXXX XXXX  XXXX reported Monday that judges around the country have dismissed dozens of lawsuits against delinquent borrowers because the entity bringing the suitswhich purchased loans from other originating lenderscant produce paperwork to prove it owns the debt. Sometimes, explains student loan expert XXXX XXXX, such issues have arisen because documents have gone missing, particularly for older loans where actual hard copies were transferred. In other cases, he says, there are basic misinformation or data input mistakessuch as mixing up borrowers names or Social Security numbers. 

They also dont usually provide proof of the transfer of the individual loan from the bank to the Depositor to the Trust. 

American Education Services ( AES ), the loan servicer that manages XXXX XXXX debts. If youve gotten collections notices from XXXX or bills from AES, theres a chance XXXX XXXX holds your student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 45 days later, I have not received a accurate response. I have requested supporting documentation to support their reason to keep fraudulent information on my credit report and they have not sent me any investigation results supporting why these accounts are on my credit report. I am being taken advantage of by the credit bureaus and this information is being ignored.this is now my second complaint to try and resolve this matter. Section 611 ( a ) states that failure to investigate items within 30 days gives reason to immediately remove from my credit report. I demand these fraudulent accounts be deleted. My information was also impacted by the XXXX and XXXX breach as well. There are even creditors who are investigating and admitting the account is not mine. Which i have attached 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 2018-03-02
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: Information belongs to someone else

Complaint:
cra violation so many inaccurate information not mine id theft victim ...

ftc and id theft gov

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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: Information belongs to someone else

Complaint:
cra violation so many inaccurate information not mine id theft victim ... 

ftc and id theft gov

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 2021-02-13
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: Account status incorrect

Complaint:
I recently sent dispute to XXXX XXXX regarding a late payment, they have yet to remove this information. This late payment should be removed 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 2021-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One will not provide the total payment history of the debt for credt card ending in XXXX which became XXXX. They only provided the last several years, but the original account ending in XXXX dates back to year XXXX or earlier. 

Capital One has not provided any proof of the original agreement that was signed so I can ascertain my position and in which state the loan was matriculated. Year XXXX or earlier. 

The original agreement should have followed an APR of " Prime rate plus margin '' metric and this was not followed as the prime rate was lowered several times during the crisis from XXXX to XXXX. This is a potentially serious breach in the original agreement which I had requested proof of signature. The changing of interest rates was not something to which I agreed, and I was never notified of any changes to the original agreement.

Capital One may have contacted friends and or family including my children via phone as well as my elderly parents asking about me and potentially revealing details about my debt without my knowledge. 

Capital One suffered a massive data breach in years XXXX, XXXX, XXXX, XXXX and XXXX. I believe my personal credit and personal information was breached in many of these cases, and I received unwanted robocalls, telemarketers, and unsolicited emails and postal mail as a result of Capital One 's failure to ensure the consumer protection I am ensured by law.

Capital One also reported unfairly to credit agencies for late payments that were deemed late because their phone system did not allow for calls dialed to them before the cut off time yet finished after the cut-off time to considered an " On time payment. '' I had this happen to me many several times and as a result my credit score and credit reporting were unfairly damaged. I believe this is something that has affected thousands if not hundreds of thousands of customers. 

Capital One also provides " confirmation codes '' on the phone payment system which are intentionally misleading. For example - all confirmation codes were impossible to ascertain as Capital One intentionally used letters and numbers that were phonetically overlapping and similar such as " 3 & P '', " 3 & C '', " P & C '', " D & T '', " 3 & D '' etc making it entirely impossible to feel secure as a consumer that my payment confirmation code would be validated or useful for reference. Feel that this could have affected thousands or hundreds of thousands of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO THE CREDIT BUREAUS. THE ACCOUNT AND THE CHARGES ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE AND USED MY INFORMATION AND OBTAINED THE FRAUDULENT CREDIT CARD FROM 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 2021-09-07
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I got a call XX/XX/2021 from phone number XXXX ( identified as being from XXXX ) saying my amazon account was frozen due to a fraudulent purchase.

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 2020-06-24
Company: LEXISNEXIS
State: PA
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:
On XX/XX/2017 I received a letter from PENNSYLVANIA DEPARTMENT OF TRANSPORTATION. stating that my Driver 's License Number has two photo images of two different individuals on that record.I wish your office could find out when the fraud was formed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to the economic impact of COVID-19 ( coronavirus ), XXXX XXXX is implementing measures to ensure the financial stability of the company. The current pandemic situation has impacted our business significantly, and as a result, we find that we must make some difficult personnel decisions. 
Effective XX/XX/2020, XXXX XXXX is implementing a temporary furlough of certain nonessential positions. This notice is to inform you that your position is included in this furlough and as such, you are being placed on a temporary, unpaid leave of absence effective, beginning XX/XX/2020. The length of this furlough is currently unknown. It is important to note that your employment continues to be at-will and nothing in this notice or other furlough communications is intended as an express or implied contract. 
You may be eligible for unemployment benefits under these circumstances. Contact your local unemployment office for information on eligibility and applying for unemployment benefits. Present this letter to your local unemployment office as evidence of your employment status. 
XXXX XXXX will communicate with you regularly during this period. If your personal phone number, email or mailing address has changed recently, please provide your current contact information to human resources immediately. Please feel free to contact human resources at XXXX or ( XXXX ) XXXX ext. XXXX with any questions. 
If you find alternate employment during this period and do not intend to return to work at XXXX XXXX, please notify human resources immediately of your voluntary resignation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: GA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: World Acceptance Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX went to XXXX XXXX in XXXX, Ky to get a {$2500.00} loan. They used my XXXX XXXX and personal property as collateral. Before arriving I told them I did not want any credit insurance. They told me there was none on the loan. I get there and they start going over the paper work and asked who I wanted as my beneficiary for credit life. Told them credit insurance was not supposed to be on the acct, they said it was only {$46.00} and had already did the paper work so I took it even thought I didn't want it so they didn't have to redo all the paper work. When I get home and my girlfriend looks over the paper work she noticed there was personal property insurance with a premium of {$280.00}. Since it was after XXXX XXXX Friday night I called today Monday XX/XX/XXXX and talked to XXXX and told her I didn't want any credit insurance at all and she said it was required on the loan. It is not required on the loan and she didn't disclose that it was included in my loan. She skipped over that part of the contract. She refused the cancel it. The terms of the note was not disclosed to me and credit life and personal property insurance was forced without my knowledge and I am being charged interest on insurance I didn't want and they knew I didn't want it. Went to get a {$2500.00} loan and ended up financing {$2900.00} without knowledge because she ( XXXX ) skipped over that part of the note. I called the insurance company to cancel the insurance and they referred me XXXX at XXXX XXXX home Office who said that she did not know the laws and I would have to contact the branch who had already forced insurance on my loan without my knowledge and refused to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase bank closed my XXXX card account after I had been a cardholder with them since XX/XX/XXXX-XX/XX/XXXX. I had informed a customer service representative that I would pay XXXX of my XXXX balance on XX/XX/XXXX. The card was closed on XX/XX/XXXX. 

I ran into a financial difficulty in moving from XXXX to XXXX and this caused a delay in getting my monthly bill made. Prior to that I had been a customer in good standing with Chase and loved using my XXXX Card for points for stays at XXXX all over the world. 

I spoke with a representative and then received an email from a rep stating that once a card has been closed, it can not be reestablished. This is a poor reflection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This company, Fair Collections Outsourcing calls me indicating I have unpaid debt and continues to try and have me provide my ssn. I don't miss monthly payments for my obligations and any debt they're stating doesn't add up. When XXXX inquiry why they need my ssn if they contacted me they say that they can't locate the account. I feel like I am being scammed.

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 2015-11-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
2012 I received a XXXX for cancellation of Debt. I paid income tax on the owed amount. As of today, the original owed amount is being reported monthly on my credit as amount owed. this is ruining my credit and preventing me from obtaining a mortgage.

Company response to consumer: Closed with explanation