BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage service was recently was recently transferred to Shellpoint Mortgage Serving LLC In XXXX of XXXX. When the loan was transferred to Shellpoint there was not an escrow account associated with my loan. I submitted a electronic request to open an escrow account for both property taxes and insurance through their online system on XX/XX/XXXX. I received an email correspondence back from Shellpoint on XX/XX/XXXX stating that I need to submit a written request with background documentation in order for them to review my request and see if my account was eligible. I submitted that request on XX/XX/XXXX. Shellpoint responded with an email on XX/XX/XXXX via email that they added the insurance policy but did not add the property taxes to escrow as they require a 12 month payment history which I did not have with them. 
I contacted customer service via there 800 number and the customer service agent and indicated that I did not request an escrow account just for insurance and had requested insurance and property tax and as that was the denied did not want any escrow account just for insurance. They indicated that they could not help me and that I would need to submit a email request. I submitted the email request to not have an escrow account open for my account just for insurance only as that was not requested. 
I received a follow up email from Shellpoint on XX/XX/XXXX indicating that I would need to make this request in writing and then would need to email this to them. I submitted this request in writing via email on XX/XX/XXXX. I recieved a letter on XX/XX/XXXX dated XX/XX/XXXX stating that my request to cancel my escrow account has been denied. The reason was that my loan did not meet the proper seasoning requirements. I contacted customer service via phone on XX/XX/XXXX and explained the situation. They said they understood the situation and would send a complaint on my behalf but that they could not even talk to or transfer me to that department as they don't even have phones? They indicated they ( escrow department ) would reach out to me directly. Have not been contacted. 
My issue are below ; 1. I did not have an escrow account to begin with.

2. I requested escrow for both property tax and insurance and they opened an account just for insurance which I did not request.

3. I asked them not to move forward with that insurance only escrow account and they denied that request.

4. I have made two payments to Shellpoint since my loan was transferred with no escrow requirement and saw that my payment will going up significantly beginning with my next payment for escrow. Regular insurance premium and additional payment for escrow. 
5. my wife and I are retired on a fixed income and this is going to create a financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX Medicredit is stating that I owe a debt in the amount of {$1800.00} from XX/XX/2019. I have insurance that apparently was never billed for a service that I never had rendered nor have I received a bill. I have submitted a dispute that was rejected and XXXX decided to favor the collector. I would also like to note that not only is this a bill I never received, this is also a violation of HIPAA that I intend to report for sending my personal information to any bureau.

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 2017-10-25
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Charged high interest even thought it was not discussed in my loan agreement. Would not verify my bank account for XXXX payments and tried to make an illegal XXXX way call with my bank to verify. Told me to act like they werent on the line while they did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage was sold to LOANCARE, XXXX. XXXX XXXX XXXX  XXXX VA XXXX in XX/XX/XXXX, everything seemed okay until XX/XX/XXXX. I tried to log into their website to make my payment as I had done every month before but was unable to log in, so I called to have them reset my password, they informed me it had been reset and to give it a few minutes and try again. I was still unable to log in so I called again and was informed that the reason I was unable to log in was because I owed a balance of {$14000.00} and she asked if I wanted to make that payment. After the initial SHOCK and trying to understand what she just told me I asked how that could be, I stated we have made every payment due and on time, she then stated that amount was actually sitting in a holding account and I owed {$9100.00}. After eight or more calls over the course of three weeks, speaking with several payment center employees, two Loss Mitigation employees and three different Supervisors and explaining our story over and over again we have had no luck in getting this resolved. We were promised a call back by all three Supervisors XXXX ID # XXXX, she would not provide her last name, XXXX XXXX ID # XXXX and XXXX ID # XXXX, and she also would not provide her last name. LoanCare has not applied our monthly payments to our loan that we have sent electronically every month on time as well as reported us to the Credit Agencies causing our credit scores to drop over 100 pts. I'm at a loss for words when I think of the lack of Concern, Care or Importance they have for their customers and on top of it, its their error. Horrible Experience! This is truly the WORST Mortgage Company EVER!!!

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 2022-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I remembered I get the car Way back 2019 In XXXX sports and XXXX XXXX XXXX there told me 60 months then suddenly become 66 months and told me I pay only XXXX my monthly but in the end they can not register my car in New Jersey I need to travel to Nevada and register my car

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: IL
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data preach and may nave gotten into the hands of the wrong person.

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 2022-08-05
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian credit bureau was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-02
Company: NAVY FEDERAL CREDIT UNION
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/2022 I was contacted by someone from Navy Federal, he told me that someone was trying to make a purchase for $ XXXXand if it was me. I said no and he asked for my social security number and I gave it to him, he said that he was going to put I block on, y account, the called failed>. When I got home I called Navy Federal and asked about the call, I was told that my {$10000.00} from my account were gone. It was a transfer from member to member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25
Company: Skopos Financial, LLC
State: SC
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 have reached out to this company to resolve the issue of inaccurate information on my credit report. Ive never had a loan with this company. Ive told them several of times that I have no reconciliation of the negative item being reported. I have sent over my id, birth certificate and social security card showing I am not nor have I ever went by the name of XXXX XXXX. My last name is XXXX, Ive never been married nor had a name change. If we cant get this resolved Ill be forced to take further actions. Attached is my id and social security card.

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 2017-10-25
Company: EQUIFAX, INC.
State: CT
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: Didn't receive services that were advertised

Complaint:
In response to the Equifax data breach, in XXXX XXXX I accessed the Equifax web site using the link on the US Government FTC web site ( www.equifaxsecurity2017.com ). I completed the form and submitted it to Equifax. The message I got back from Equifax was that they Believe my personal information has been impacted. 
I then signed up for their Trusted ID XXXX XXXX XXXX XXXX. I was told that I would receive an e-mail to confirm and complete my credit monitoring sign up, and to look for this e-mail, including in my junk or spam folders. 
Over a month has passed since I signed up and I have heard nothing back from Equifax or Trusted ID. No e-mail in any mailbox. I just wanted to let you know that this is how Equifax is treating individuals who they say have been impacted and signed up. 
Have you gotten other complaints about this and if so, do you have any feedback on how to proceed to get the free credit monitoring from Trusted ID in place?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: NAVY FEDERAL CREDIT UNION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card with XXXX federal stop me from making payment for return payments. I was a victim of fraud. XXXX was investigated I was unaware they stop all electronic transfers from my account ending in XXXX.my other account were fine. On XX/XX/XXXX - {$200.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$490.00} these were returned. But payment on XX/XX/XXXX {$340.00} was successful I contacted XXXX federal and conference call was made to verify funds. 
I made payment from my checking in account ending in XXXX. No payment was ever return from this account. Dates clear my bank for payment are XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX$ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX. $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX{$220.00}. I was ever a new account number for the account the was compromised ending in XXXX. I made a payment of {$200.00} that cleared my bank on XX/XX/XXXX. I made this payment to cover the XX/XX/XXXX payment that did n't go through. I only had 3 payment that have n't clear but due to issues not in my control. Now I have no other way to make payments. I 'm being penalize I had 11 good successive transfer to this credit card versus the 3 returned and 1 of those I made the next day to cover it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, 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:
Compromised SSN My social security is being used by another person by the name of XXXX XXXX Compromised SSN SSN XXXX Date found on dark web XX/XX/2022 Additional info found with this breach Identity Information Drivers License Number : XXXX Drivers License Issue State : ct First Name : XXXX Last Name : XXXX Phone Number : ( XXXX ) XXXX Contact Information Address : ct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Genesis FS Card Services, Inc.
State: IN
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:
This company is using unfair business tactics and reporting erroneous information to my credit report. I opened my Destiny Mastercard account with them around XX/XX/2021. I never received a bill from them therefore had XXXX payment information. I was made aware of the past due balance when I got an alert on my credit that it was 30 days or more past due. I immediately called them and paid my account current. I feel that them reporting this late to my credit is wrong because I never was afforded the opportunity to fix the mistake whether it was mine or theirs. I attempted to compromise with them but never received a call back. I have another account with this company and have always paid more than my minimum and paid it very early I think my account behavior speaks for itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im writing to you because i noticed you are reporting a violation on my credit report. Please get this matter handled based on my instructions below This collection is reporting a past due and needs to be removed from my credit for violation. 
Please remove it from my credit report. 
And capital one I never had account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I paid off two student loans and paid off two credit card completely. Equifax dropped my credit score over XXXX points, before it reported the XXXX balance on the accounts. My credit is reporting addresses that dont belong to me. Every other credit bureau increased my score but Equifax will not increase it at all. I strongly believe Equifax is discriminating against minorities, by dropping scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I have two leases with XXXX XXXX ( NMAC ). I have made every payment on time on both leases up until this past XXXX of 2019 where I made one late payment on one lease and two late payments on the other lease due to an unexpected family emergency. Since then ( XX/XX/2019 ), I have made all of my lease payments on both cars on time. I even paid the late fees associated with the previous late payments. Now I have a new born daughter and I am trying to get approved for an apartment to accommodate my growing family. But I keep getting denied because of the late payments posted on my credit report and my score has decreased significantly because of this reporting. I contacted XXXX XXXX to explain my situation to the representative and even a supervisor but to no avail. I was told that they do not do courtesy removals of missed payments on credit reports and/or scores. I then asked them what am I supposed to do because with the addition of my daughter I need a better living situation and with the missed payments, it has become hindering to me to be able to get suitable living. The response was a long pause and then an " I'm sorry but we are not able to help you ''. To not continue to have inquiries pile up on my credit report and affect my scores, I have refrained from applying for anymore apartments. But my obviously my family situation has not changed. I still need to have adequate living for my family and my current living arrangement is not good enough. I just feel so helpless. I have been a very responsible person when it comes to my payments and because of one emergency  unexpected event in my life where I could not make a payment, I am being punished for it. I'm sure a situation like this has happened to and/or can happen to anyone especially including those who work for XXXX XXXX. But they still showed no compassion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraudulent ATM withdrawal from account as per following details : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX $ totalling to XXXX $ Filed a complaint for fraudulent ATM withdrawal of the above mentioned amounts with Bank of America on XX/XX/XXXX with the complaint ID being XXXX. 

Even though we have filed a complaint on XX/XX/XXXX and the card had been XXXX, still there is an additional fraudulent withdrawal on XX/XX/XXXX of XXXX XXXX 

Thereafter we get an email from the bank on XX/XX/XXXX that they have reviewed our complaint and dismissed it. 

As we have not conducted these transactions, which are completely fraudulent, we contested the banks closure of case. 

While the bank is reviewing the said complaint again, we seek your help/assistance in seeking justice.

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 2019-03-02
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Every year around tax time I receive notification from a collection company being hired by XXXX XXXX XXXX saying I owe money I dont owe when I was a student at XXXX XXXX which is also known as XXXX XXXX XXXX XXXX XXXX. The school is now called XXXX XXXX XXXX XXXX XXXX. It was a XXXX XXXX program. The current collection company contacting me is convergent outsourcing. Last I spoke with XXXX XXXX XXXX XXXX XXXX   my account is paid off.

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 2017-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with Bank of America, and also a Bank of America credit card. My only income is my Social Security, which is a direct deposit into my checking account. Bank of America Credit Card illegally confiscated funds from my Social Security income that is being directly deposited into my bank account to apply against my credit card balance. In so doing, it also caused my checking account balance to become overdrawn, which resulted in a number of bank charges against my account as well. Following is a summary : XX/XX/XXXX {$75.00} illegal charge. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$75.00} illegal charge. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX{$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$35.00} bank charge-returned check fee. 
XX/XX/XXXX {$12.00} monthly maintenance fee. 

A letter was sent on XX/XX/XXXX to the Bank Manager of the Branch where my account is located, requesting that these illegal charges and fees be reversed, which would result in a balance of {$150.00} in my account. I requested a check to be sent to me in that amount, and to then close my account. I have not had a response from them to date.

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