BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-23
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was going through a modification with my previous servicer XXXX XXXX. I applied for the modification a year ago. The communication was horrible. I was lied to several times and told the modification would be completed the next month. I would call the next month and was told it was still processing and to call again the next month. Recently I found out that my loan was transferred to Shell point mortgage and XXXX reported late payments to the credit bureau. I was told during the modification process, no late payments would be reported. I was entered into the modification due to the hurricane in XX/XX/XXXX and falling behind on my bills because I had to evacuate. My payments were deferred XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I resumed making payments. The communication about the deferremenr was terrible and never explained to me properly. I was eventually sent paperwork to modify my mortgage payment in XX/XX/XXXX and completed it. All of XX/XX/XXXX I was given the run around. Never a straight answer on when it would be completed and at what stage in the process it was in. Now my loan was transferred to Shellpoint mortgage and I'm being told that they aren't accepting my payment due to the stage it's in and returned my payment. I was told nothing would change when transferred over but that seems to be more false information given by XXXX. I'm fearing that shellpoint will report late payments or that this will cause an even further delay with the modification That has been in process at this point almost a year

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX and 30 days  late payment on the dates XX/XX/XXXX, XX/XX/XXXX . I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: NV
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 aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

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 2019-05-22
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am XXXX plus days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
They closed my account after 6 years of being a customer. I had a few disputes which were mainly this year because they sent me a recycled card and someone else was using but they turned it off before my husband could get his direct deposit. They also charged me humongous fees.

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 2016-11-05
Company: Social Finance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I would not recommend any type of loan with this group and wish I had gone to this site before I submitted all of my personal info to SoFi. I wanted a small loan of $ XXXX to renovate my home prior to listing it for sale. My credit rating is above XXXX XXXX. I have a small mortgage payment and minimal debt and had the money for the renovation but wanted to use the loan money instead and go through the online loan experience for a change. Big mistake. 

A few weeks after submitting my app a young woman called me on a Sunday to tell me she thought she had everything ( after I had sent most all of my financial info for prior years ) but now needed proof of income for 2016 which I sent that day. Unfortunately it did not register that I had submitted this info on the web site until 4 days later. 

I then called and called for followups for the next few weeks and would call and tell my woes to various jkSoFi employees who stated they would advise this woman who had my file to put me toward the top of the list. 

Another several days went by and I received a rejection letter from them. I was dismayed at their lack of caring and handling of this loan request. In my opinion they are not qualified to be in the loan business and are deceiving the public about what they can do. If they continue to provide the type of services they currently provide, in my opinion they should be investigated soon. Plus I do not know where all of my personal information sent nor what they are doing with it. The whole experience was disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding LLC filed a lawsuit against me for an alleged debt they allegedly purchased from XXXX. I had sent them a Notice of Dispute/debt Validation but they did not validate the debt. I settled with them for a nuisance value of {$1000.00}. However, they have issued a XXXX for cancelled debt which is not mine. I have disputed this XXXX with IRS and Midland, who have failed to provide proof of ownership or validation of this debt. 

Also, this issue arose XX/XX/XXXX and Midland Funding issued the XXXX directly to IRS with NO copy to me or my Attorney. Is this legal? this is under-handed tactic and I only became aware of this as I was audited by the IRS XX/XX/XXXX for failing to declare this XXXXof XX/XX/XXXX, of which I had no knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I'd like to escalate an issue that I've been dealing with since XXXX. 

I posted my XXXX payment through your portal on XX/XX/XXXX. I received a message that it was posted on my account on XX/XX/XXXX. I was alerted on XX/XX/XXXX that the payment did not go through, and was charged fees. 

I've called Customer Service multiple times with no solution to the issue. I spoke to a Supervisor on XXXX, and explained that I received a notification that the payment was processed on XX/XX/XXXX so I should not be charged any fees. I asked her to send me documentation showing the supposed incorrect payment being processed as well as documentation showing the NRF fee. She mentioned she would alert Loan Servicing to send. All I received was a fee schedule, which itself is inconsistent. I called her extension to follow up on XX/XX/XXXX and XX/XX/XXXX with no response. In various of my customer service interactions, there have been inconsistencies with information that is concerning. 

I've consistently provided payment either early or on time, and this experience has been very disappointing. This incident is concerning and has led me to question the integrity of your company. 

I'm happy to provide any additional information to waive the fees charged to my account. 

Thanks, XXXX

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 2018-05-21
Company: SYNCHRONY FINANCIAL
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
I filed a complaint with XXXX XXXX the issuer of my XXXX XXXX XXXX, on XX/XX/2018 that I was the victim of fraud on my credit card. My husband pressured and forced me to turn my card over to him right away. He charged it up to the limit and never let me make any purchases at all. I was the victim of domestic and financial abuse. 

I called today to find out the status, and was told that I benefited from this. I don't understand how I benefited from being the victim of domestic abuse. They said I had to file a police report, but, if I did that, my husband -- who I don't live with and am in the middle of a divorce from -- could possibly hurt me physically. That's even if the police were willing to take a complaint. 

I'm still a victim of fraud even if I don't want to risk getting hurt by reporting it. Taking away my access to credit and putting a wrongful debt against me is profiting from domestic abuse. I didn't ever get to use the card. 

The company gave me a fax number to reopen my fraud complaint, but, it wasn't any good. I tried to fax the attached documents but it didn't work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was offered a permanent modification with my first payment due XX/XX/2021 with this payment being made XX/XX/2021 and they posted it XX/XX/2021, there was no payment due for XX/XX/2021, my mortgage company Lakeview AKA XXXX XXXX has continue to report me more than 30 days late for each payment this year. All my payments this year were paid the XXXX of the month or before in the month it was due. I notice the reporting late XXXX early XXXX. I reached out to them and made a dispute. In XXXX they corrected XXXX XXXX XX/XX/2021. On XX/XX/2021 I called them and spoke with XXXX and advise her that XXXX was still being reported as more than 30 days late, she advise dispute was still open and by XXXX they will have an update. As of XX/XX/2021 I received notice from the credit agency stated that not only did they not correct XX/XX/2021 incorrect reporting, but now they have reported XXXX XXXX as late again. On XX/XX/2021 I called spoke with someone name XXXX provided her with details as to why I'm calling she placed me on hold for about 8-10 minutes then disconnected the call ( she did not attempt to call me back ). I called back and spoke with XXXX who advise me he would need to transfer me to Loss Mitigation nothing currently resolved as I have now been on hold for 26 minutes.

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 2018-11-23
Company: HOVG, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My credit monitoring company advised me that this company submitted a collection to my credit file. I have never done business with them and have received no communication from them. I called them and they told me the debt was from a past medical visit but I have no written paperwork to confirm this and they have already negatively impacted my credit report. I would like this collection removed from my credit report immediately. I never did business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi, I pulled my report and found out that there were late payments showing from the company below. 

XXXX XXXX  account number XXXX I was never late 30 or 60 days on this account when it was active.I figured it must have been some sort of billing error on their part. 

I have tried to take care of this matter with the creditor and the three credit bureaus and noone has yet respond. When I tried to resolved this matter the company keep stalling. I have been dealing with this matter for sometime now and you guys are my last option please help me.

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 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am receiving constant notification via XXXX XXXX that this company is reporting my payment history as having past due payments on an account that was paid in full and closed in XXXX of 2021. I have disputed this information every month since XXXX with Trans Union. Trans Union would clear the incorrect information only to have XXXX XXXX report it again within 30 days. This month they are now reporting incorrect payment history to XXXX. 
When I was a XXXX XXXX  customer, I paid them every two weeks and I was never more than 30 days past due. I have enclosed a sample of my bank statement for your review. I was told by the company that my payments were misapplied and this was causing the issue. It was a hassle to get them to fix it and finally they agreed and corrected the report BEFORE i paid them off. Their carelessness caused me to rescind doing business with them and pay the account off to prevent future mix-ups. 
I do not understand, why this situation has not been rectified by now and it seems to be getting worst. They reported me at 100 % payment history the life of the loan, then 96 % payment history and this month is now being reported at 91 % payment history after the loan was closed which is unacceptable. This is severely impacting my credit score and causing problems with rates quoted from potential creditors. I sent an email to the company on XXXX for resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX filed a civil complaint in a county i do not reside in on behalf of plaintiff Midland Credit management , Inc for an alleged credit account of XXXX XXXX  in the amount of {$8900.00} without any prior notification to dispute the debt. This debt is unknown to me. The hearing date is scheduled for XX/XX/2020 and I just received notice on XX/XX/2020 from district XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX PA, XXXX, phone XXXX docket number XXXX. 
Midland Credit Management , XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX. 
It has also been brought to my attention that Midland Credit Management is under Federal district court stipulated finial judgement and order case number XXXX on Behalf of the Bureau of Consumer protection civil action XX/XX/2020 for Midland Credit Management Inc for such violations as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1. My wife and I and our businesses have XXXX accounts with Wells Fargo. One is an XXXX ( XXXX XXXX account in Colo. ), 2 are mortgages, 5 are personal savings and checking and XXXX are business accounts for various corporations and partnerships.

2. After noticing that the checking ( account # XXXX ) and savings account linked to one partnership ( XXXX XXXX ) had failed to receive funds, we began researching and founds that Wells had closed the account. We called Wells and they confirmed the accounts had been closed and a check was sent to me on XXXX XXXX. It is now XX/XX/XXXX and no check has been received. The total between the two accounts is about {$31000.00}.

3. I received phone messages ostensibly from Wells on XX/XX/XXXX and XXXX and returned them on XXXX XXXX, at the number given in the messages. The person answering the call asked many questions - username, birthdate, account number, debit card number - after answering these I told the person I was uncomfortable as this could be a phishing scam. They said to call the number on the back of my debit card. 
4. I called the number on the back of my debit card, and was advised that Wells had not tried to reach me, the calls were probably a phishing scam and to monitor my accounts closely.

5. I then called the number on the website to ask about the status of the {$31000.00}. They were unable to answer any questions and recommended I call yet another number. I called that number and a recorded message said to leave a message.

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 2015-05-28
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX I paid off the mortgage and the check was made payable to XXXX XXXX XXXX XXXX. I have researched the property in the XXXX XXXX XXXX at XXXX and the release of lien or satisfaction of the mortgage was not reported by the lender. The loan initially started with XXXX XXXX, and was transferred to XXXX, XXXX XXXX, and XXXX XXXX. 
Note that in XXXX, XXXX XXXX and XXXX XXXX XXXX merged, and the mortgage company was renamed XXXX XXXX XXXX Mortgage. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXXXXXXXXXX ) and they stated the following : XXXX XXXX XXXX was acquired by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is not part of the XXXX XXXX XXXX, XXXX. XXXX. It was acquired by XXXX XXXX XXXX , XXXX which was acquired by Chase Manhattan. Chase Home Finance is handling those loans now. ( XXXX ) XXXX. 

So I contacted Chase, and XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX Email : XXXXXXXXXXXX ), the XXXX in the Lien Release Customer Research for Chase at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stated that he reviewed the request provided for a release of lien on the XXXX loan for XXXX. The servicing company listed is a company that Chase can sign for. However, in order to process a release for this loan I do need some additional information. Since the loan was never assigned, the memo note giving the check number and amount paid is not enough to move forward on this matter. Please provide a copy of this cancelled check or a paid in full letter to confirm the receipt of payment. 

Note that I did not receive correspondence from XXXX XXXX upon payoff of my loan. I wrote check # XXXX payable to XXXX XXXX for {$32000.00} from a XXXX XXXX XXXX Bank checking account. I do not have a copy of the cancelled check. XXXX XXXX XXXX Bank was acquired and is no longer in existence today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Account status incorrect

Complaint:
I submitted a dispute with XXXX, due to an incorrect payment status with Carrington Mortgage Company ; however the dispute was completed and the status still reflects " At Least 120 days or more than four payments past due '', which is still not correct. The mortgage was included in an active Chapter XXXX bankruptcy, and the house was sold in XX/XX/2018 & the mortgage was paid-off. The credit reports for XXXX   & XXXX correctly reflect the status of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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