BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-15
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX mortgage was transferred to Shellpoint Mortgage Servicing. Received a letter dated XXXX XXXX XXXX from Shellpoint stating the flood insurance was NOT required for my property though it was mandated by the previous mortgage company. <P/>Shellpoint 's letter indicated that if I wished to have flood insurance removed from my escrow account, I needed to notify them in writing. The flood insurance policy was canceled by the original mortgage company at the transfer of the mortgage account. <P/>On XXXX I sent an email to the Shellpoint account indicated to have the flood insurance removed from my escrow account. I received no response from Shellpoint. On X/X/17 I sent a second email informing them of the same. Again, no response. On X/XX/17 I made a third attempt at notification with no response. <P/>I recently received an Annual Escrow Disclosure Statement from Shellpoint dated X/XX/17 which still listed monthly payments from the escrow account for flood insurance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint XXXX was submitted and the response of sending to FTC is not confirmed by FTC as FTC has stated they do not have access to CFPB Complaints. So why tell consumer this can of information This Complaint know consists of new evidence that the Bank ha suggested that until some sort of settlement can be reached with Wells Fargo that the monthly privilege of direct pay be cancelled & converted to checking or another service until perhaps a Court Judgment be determined Wells Fargo continues to evade the facts that the Escrow False Narrative that they have created has no basis. 

The attached letters sub titles best describes the financial scheming that Wells Fargo has created that must be reversed as there is no foundation from any Entity from Insurance, Taxes that support the substantial change in TOTAL AMOUNT DUE of {$760.00}. 

Thus in Order to save guard the well being of the homeowners banking assets the Request to discontinue direct/ automatic withdraw as of XX/XX/XXXX must be accepted by Wells Fargo to the address of record. Withdraw without any basis can not be sustained and must stop as of the final withdraw of XX/XX/XXXX. 

In review of the most recent correspondent dated XX/XX/XXXX are old talking points with no basis to include False Narrative of there being a Escrow Shortage leading to substantial increases from XX/XX/XXXX to XX/XX/XXXX to XX/XX/XXXX and then onto XX/XX/XXXX, of XXXX that has no collaboration in reality other than a financial scheme that even Legal Aid of Southern Nevada Talk to a Attorney Program typifies as a scheme that Wells Fargo has been unfairly dealing to homeowners for far to long. The Ask A Lawyer Program Attorney further stated that CFPB would be the right place to seek Redress to the False Narrative placed on this Mortgage that again and although redundant is not back by the false statement ( s ) in this XX/XX/XXXX letter in all aspects from Taxes to Insurance. 

The old talking point of the is fragrantly outlined and dragged back and forth into this False Narrative in the XX/XX/XXXX letter that the Applicant failed to provide financial documentation to close on a property ( See Page 2 Paragraph 2, Line 3 & 4 ) There was no such failure and Wells Fargo has to capability of constructing events that would validate this claim of failure.

The ONUS was on Wells Fargo to close and they failed to complete that transaction and that is why the Earnest Money of {$1500.00} was lost to the Seller If not corrected by Wells Fargo with a complete reversal of this " Action '' or the requested sale of this Mortgage then the litigation will be necessary. It should be of interest to CFPB that the Courts are not new to this litigation against Wells Fargo.

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 2017-07-15
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FedLoan should have all Notes with the dates and the Reps I spoke to. In the beginning of the year I was going back and forth filling out different applications to get a low monthly payment plan. Apparently I accidentally applied to have no interest on my payments for 1 whole year. I said " Wow so I do n't even have to make a payment for a year '' THE REP SAID NO!! I specifically said to every single rep I spoke to I do n't want this to hurt my credit they assured me it would n't. The beginning of the year my credit score was XXXX now it is XXXX because of them!!! If they would have told me your credit is going to be affected, I would n't still been making payments. Now I ca n't purchase my own house like I was planning to XXXX XXXX when my lease is up at the apartment. Please please help me I need to purchase my own home immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company Commonwealth Financial Systems reported to my credit a debt which is outside the statute of limitations for collecting medical debt and they also did not sent me any notices about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Experian Information Solutions Inc.
State: PR
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:
This is in response to CFPB complaint # : XXXX, that was closed because EXPERIAN said that they " VERIFIED ". <P/>CFPB said that EXPERIAN responded and verified that the disputed information was accurate as reported?. The result summaries were sent to you for review on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX? <P/>THIS IS INCORRECT. THEY FAILED TO SEND ME PROOF OF VERIFICATION FOR EACH ITEM IN DISPUTE. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Experian are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed within 30 days of receipt of letter then EXPERIAN must remove these accounts from my credit report. <P/>Only that I requested to EXPERIAN is that send to me proof of verification on items in dispute, and they failed in 9 certified mail letters that I send to them. I have copy of each letters. <P/>The LAW is clear, all unverified accounts must be promptly deleted.

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 2018-01-03
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed the information that is being reported on my credit reports to the company directly and to the CFPB. The company is fraudulently reporting information on my credit files. This is being reported and tied to a name XXXX XXXX XXXX, 2. That is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: EQUIFAX, INC.
State: IL
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:
Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through XXXX, XXXX and equifax systems i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account with Navy Federal and opened a companion account for my daughter who was underage at the time. I basically used that account to send her money. When she became of age and went to college, she started working as well. She used her account as her primary account and had her checks direct deposited into the account. In 2016 someone got a check from someone and deposited the check through the ATM. At this point, the manager of the XXXX branch claimed she came in to the branch and got cash from the check. How this happened, I to this day do not understand when you need ID to cash a check. The amount was over {$2000.00} and my daughter did not have that amount in her account. I tried to fight this, but the branch manager stated that he called my daughter and she said that she did this and she accepted responsibility for the debt. This was a lie, because my daughter was in North Carolina at that time with me. After this, I was upset, but I didn't close my account because it was the only bank account that I had. About 1 year later, my paycheck was deposited into my account and it was confiscated by the bank. When I called to find out what was going on, I was told that because my daughter didn't pay the debt, they were taking my money to pay this debt. I had no prior knowledge of them doing this and had to call them to find out that it had even happened. After this, I stopped my direct deposit and let the account close. My daughter filed for bankruptcy and had the debt charged off. After her bankruptcy, I contacted Navy Federal again and was allowed to open another account. After depositing money into the account, I was trying to use the funds in my account and was unable to do so. I had to contact them to find out that they had placed restrictions on my account again without notifying me. I was told that because my daughter filed for bankruptcy and discharged the debt, that I was still liable for the debt plus interest and it didn't take into account the money that they took from me before.

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 2022-02-08
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report 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 non-monetary relief
Consumer complaint received 2018-01-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I made a principal payment to my mortgage account that dropped the original loan to value to below 73 %. 

OnXX/XX/XXXX, I contacted XXXX to ensure PMI will be automatically dropped as required by Federal Regulation since the balance is below 78 % and I have never missed a payment. XXXX refused to automatically drop the PMI and further stated they only drop PMI after the loan is 5 years old and the loan to value limit is reached which is a clear violation of Federal Regulations concerning PMI. I was also told I must send a letter to 5/3 requesting that PMI be dropped and if I didnt they would continuing charging PMI for no reason other than that the mortgage loan is not more than 5 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2021, my loan was transferred to Mr. Cooper. I was in a forbearance with my previous lender after losing my job from Covid-19. The forbearance ended at the end of XXXX. I contacted Mr. Cooper ( formerly known as Nationstar ) and the resolution they offered was a loan modification. They then required me to make " trial '' payments for XXXX, XXXX and XXXX. I was then told do not pay anything else until they send me the final loan modification documents. I made all 3 trial payments. I was supposed to get the modification document in XXXX and now its XXXX. Every time I call them, I am given a different answer and the runaround. Furthermore, Mr. Cooper did not even tell me the ramifications of a loan modification. They keep telling us the paperwork is in the mail and the fees and owed amount keeps going up. We feel like they are trying to scam us or take advantage. We feel like they want to gain more fees and interest or take our home from us. We just want to begin making payments on our loan modification. Not sure who to turn to or should I hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through XXXX, transunion and XXXX XXXX i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it 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 2019-07-31
Company: Experian Information Solutions Inc.
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:
Why is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX showing up on my credit report when it is not mine i do not owe money to this company or purchase anything from them, because i do not have an account with them so remove it

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 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to make a transaction for an airline ticket on XX/XX/XXXX. The amount was within my unused credit amount. The CC company is Capital One. I have had this CC for over a decade. This triggerred a fraud alert. My account is linked to a land line and the CC company asked me for verification which I attempted to give them. They wanted a photo copy of my driver ; s license which I attempted to give them on line. It did not work. ( Do not know how my drivers license info would be kept private by Capitlal Onre ). I gave up after trying for 3 hours to get this recolved on XX/XX/XXXX. The person ID I spoke with is XXXX, I then got the transaction done on another CC that I have. 
On XX/XX/XXXX I called Capital One on another issue. I was immeadiatley sent to Fraud and asked if I had sent a snail mail copy of my drivers ' license to Capital One. I stated to them that I had not and do not intend to do so since I had gotten the transaction done thru another CC. capital One was adament that I needed to send in the drivers license even though I no longer wanted the transaction for the airline ticket. I have been using the CC since XX/XX/XXXX so I do not know why I need to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Friday XXXX XXXX 2017 I made a deposit into my business checking accounts located at TD Bank. Made this deposit directly with the teller it was in the amount of {$7000.00} part cash part check. The check was from one of my other accounts located another painting institution also located in New York I confirm with the teller the funds would be available within 24 hours and upon return to my office I thought it was strange that I saw no credit of at least the cash amount I was assured by TD that there was no issue that my receipt was valid and that the account would be immediately credited I scheduled a wire transfer amounts to the IRS in order to pay estimated taxes along with other payments based on this representation and deposit that have been made Tuesday morning I woke up to a bank alert I thought it was two advise me that my account balance was higher than my daily average instead I found that my account was overdrawn by several thousand dollars Review of account activity said showed no fraudulent activity but that the deposit that you made still was not credited to the account Review of account activity said showed no fraudulent activity but that the deposit that you made still was not credited to the account communication with the bank assured me that this will be resolved by this morning and it has not as a result My account continues to be overdrawn automatic payments that are scheduled have been denied therefore impacting any credit report on my end Even the cash that was part of the deposit has been credited and a review of the banking institution where the other funds withdrawn shows that the check was presented to them and successfully transferred to TD therefore the issue Solely lies with TD at this point XXXX deposits by myself as of yesterday to this account did post but yet the larger deposit on Friday shows no history in my account whatsoever Business is essentially a standstill as this is my operating account and its for an attorney firm therefore checks to courts for filings can not be issued for the fear that they will be bounced based on the bank error If they had communicated if the issue at any point other arrangements could have been made on my end be it transfer of other funds cancellation of payments and/or delays to same so as to insure fast funding etc. yet instead no correspondence was issued by the institution at any point nor was there a clear alert on their website. Therefore causing unnecessary stress and confusion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: Continental Finance Company, LLC
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 information incorrect

Complaint:
Someone made a {$190.00} fraud charge on my XXXX / Celtic / Continental credit card in XXXX. I reported the charge and they just kept sending me new cards without investigating. The balance continue to grow with late fees. I repeatedly called and Could not speak to the person who could fix the situation so I filed a complaint with the XXXX. In the meantime, it has been reported on my credit that I am currently {$99.00} past due and that I have a {$270.00} balance with the card co and I do not. I have contacted them again and again and disputed with all 3 credit bureaus and they can not get the company to provide update information. I have it on my phone, it shows paid and credits/ adjustments where they issued credits for the past due fees and charges. It is obviously this credit card company that is the issue since none of the disputes have rectified the problem.

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 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX contacted me concerning a XXXX XXXX credit card in my name which they believe is " POTENTIAL FRAUD '' as a result this card is blocked. 
XXXX XXXX is reporting this card to the credit bureaus as mine even though it is listed as " Potential Fraud '' by their own Fraud department. 
If XXXX XXXX believes there is some kind of fraud concerning the XXXX XXXX credit card in my name than any information they report to the credit bureaus including any balance would be inaccurate. 
As a result of XXXX XXXX 's belief this account should and must be deleted from. my credit report. If XXXX XXXX declares the information reported to my credit reports is accurate they would be deliberately contradicting their own fraud department and intentionally reporting inaccurate information to the credit bureaus concerning 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