BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/XXXX from my previous mortgage servicer, XXXX XXXX XXXX XXXX, stating that the servicing of my loan was being transferred to Shellpoint Mortgage Servicing effective with my XX/XX/XXXX payment. The letter stated that Shellpoint " will be responsible for such things as paying your property taxes. '' I never received a welcome email, phone call, or letter from Shellpoint. On XX/XX/XXXX, I called Shellpoint inquiring about how to pay my mortgage payment due XX/XX/XXXX. I was told that my mortgage was just entered into Shellpoint 's system that day ( even though I was notified about the mortgage being transferred to Shellpoint a month earlier ) and all the information about my mortgage was not yet available in the system. I called Shellpoint a week later, on XX/XX/XXXX, to confirm that Shellpoint was paying or had paid my quarterly property tax, due XX/XX/XXXX. I was told that they were not paying the property tax, and I had to email them a copy of my property tax bill, which I did on XX/XX/XXXX. I received confirmation of receipt of my email and property tax bill on XX/XX/XXXX ; the email stated " Your documents have been received and forwarded for processing. '' I called Shellpoint again on XX/XX/XXXX to confirm that my property tax bill was being paid, as it was now a week overdue. I was told the tax bill was with a 3rd party to be paid and any late payment penalties would be charged to that 3rd party. The customer service representative could not give me a timeframe as to when the property tax bill would be paid, and advised me to keep calling back to check on it. I called Shellpoint yet again, a week later, on XX/XX/XXXX, and was told the same thing - that the tax bill was with a 3rd party to be paid, they could not give me a timeframe as to when the property tax bill would be paid, and advised me to keep calling back to check on it. This is absolutely unacceptable and certainly not how I run my household, nor would I run a business like this. If a bill is overdue, it should be paid ASAP. My property tax bill is now 15 days overdue, and I am requesting that it be paid by Shellpoint, using the funds in my escrow account, ASAP. I am very unimpressed with Shellpoint Mortgage Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
with perfect payment history Synchrony bank closed XXXX accounts ive had for years without warning and would not provide an answer when i contacted them. this has caused a XXXX point Credit drop. i am currently about to leave military after XXXX years of service. this Credit impact will cause severe issues with getting a home. there was no credit report changes before their decision and i had no opportunity to appeal.

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 2022-02-18
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
There has been 2 overpayments of {$98.00} from my escrow portion of the mortgage payment. The first posted XXXX XXXX and the 2nd. on XXXX XXXX, 2022. The servicer of the loan is Mr. Cooper, who uses a co. called XXXX for the disbursements of the escrow. 
The tax assessor, ( XXXX XXXX ), wrongly submitted an additional tax on my property that I had to appeal, and received a favorable decision from the XXXX XXXX Board of Taxation in late XXXX. I faxed the letter, ( verification ), that I was not responsible for the additional tax, yet they went forward on XXXX XXXX with the 2nd overpayment. The refund for the 1st. overpayment was sent by check from the municipal tax office in XXXX XXXX on XXXX XXXX and still has not been processed to my escrow!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company XXXX XXXX  has been calling me every day XXXX or XXXX times a day. I submitted a claim before and they stop calling for about a week or so and now theyre doing it again. They are trying to collect on a debt from 2002. Way past the statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: FIRST NATIONAL BANK OF OMAHA
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the company, first national Bank of Omaha ( fnbo ). I kept getting transferred to departments where I could leave a voice message that was never returned ... departments where the phone rang without answer or rang about 3 times and disconnected. I tried for 5 years at least to get a full statement. My debt was transferred to a debt collector and finally received 2 statements within a short period of time. They were to small to really be legible. These statements were sent based on a voice mail I left. I wrote a letter of insolvency and was immediately sued. To date, I have called this debt collector about 5 times in the last 2 years and there has been return call. I am being bullied and harassed. My mental health is not great and I am suffering over this situation to say the least.

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 2020-09-16
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to SLS, Specialized Loan Services. I see they already violated RESPA order. I have tried to make payments to them since they got my loan and they have rejected my payment in full several times now. I am receiving foreclosure notices. I have made over 50 phone calls to them and no one knows why my checks are being mailed back. I verified mailing address, account number and everything The refuse to have a supervisor call even though I have requested 5 times

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 2021-09-09
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
My score drops 20 points in one month for absolutely no reason. There are no negative data added to my account however they lower my score by 20 points. It has happened several times before and the following month, my score is raised 20 points. This is highly suspicious and could easily keep me from being approved for something I apply for. I would like an investigation as to why this is happening. I've contacted them and they advise the score is calculated, however if the variables do not change, it is not possible for my score to fluctuate that way. I've attached the screen shot form Experian Mobile App which shows there was nothing negative added to my file since the prior month, yet it dropped 20 points.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX is submitting this complaint without any third party influence and give authorization for the cfpb and the other following companies to move forward with this complaint. Please see attached documents and ID as it contain my full complaint and request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
All major credit bureaus are refusing to remove information reported by XXXX XXXX inaccurately. Account not paid late and paid per the terms of a payment agreement.

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 2019-05-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was a credit card debt that was a ) discharged through bankruptcy and b ) a credit card of my deceased husband. This is also over 7 years old and as been off my credit report for years. Just showed back up since taken over by XXXX! I'm XXXX for whatever reason. XXXX XXXX are ghouls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Rosebud Economic Development Corporation
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I applied for a payday installment loan from Big Star Credit ( Henceforth BSC ) on XX/XX/2022 and was approved for the amount of {$500.00}. When I was applying, the application had an area which asked if I Did or Did Not approve the use of ACH payments ( ACH Authorization ). When I initially filed the application, I selected that I did NOT authorize ACH transactions as my payment method, and went to submit my Application. At that time, I was given an error message saying that the " Form could not be submitted, '' as XXXX did not accept applications where ACH authorization is not selected. Therefore, since I needed the loan I went back and selected that I DID authorize these ACH transactions despite not originally wanting to. After the application was submitted, I was shown a payment schedule and given my terms and accepted the loan. Fast forward to now, it is XXXX XXXX. I have made my first XXXX payments successfully, allowing for the ACH transactions to process. Since I still did not feel comfortable with them, I wrote to the BSC support line and officially revoked my ACH authorization. When I did so, they wrote back accepting my revocation, but also, they included in the email language that suggested that they would consider this as intent not to pay or fulfill my financial obligation unless I called them before my next payment to set up a new payment process. In fact, the exact language suggests that they are now expecting me to pay the loan in full and demanding this, as I no longer allow them to withdraw the funds through ACH. 

I informed them that while I do need to make sure each payment is made on time, I am not required to allow for ACH transactions as a form of payment, and that so long as I respect the original payment schedule, I was still adhering to the agreement I signed in terms of payment. Their message threatened negative reporting to the major credit bureaus as well as possible legal action should they determine that I had a " failure to pay '' and that I needed to call them asap to schedule new payments. To this degree, I again responded that I am following my legally granted rights and that if they chose to press this further I would report these actions to the proper authorities. 

Unfortunately, while I have the email where they made these statements, I do not have a way to provide proof of their requirement for ACH authorization as this step is only available during an application. However, I would urge the proper authorities to investigate this issue as this is a violation of consumer protections.

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 2017-11-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize the following inquiries that are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2017-11-15
Company: Social Finance, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a consumer loan application through a 3rd party ( XXXX XXXX ) in early XX/XX/XXXX, who conversely entered an application at SOFI on my behalf. SOFI contacted me over the next couple of weeks and collected all of the required documentation from me. My loan was in the final approval stage and was on the verge of being dispersed. In the final stage SOFI asked if a 3rd party had helped me with my application, which I affirmed. I was then told that it " was n't a big deal '' and that all I needed to do was re-apply with a different profile on their website. The woman also told me that they could expedite it, and it should go much quicker then the first time, and I had no need to worry, as everything was great on the loan and they could get it done. The next morning I did exactly what SOFI asked me to do, and I received an immediate denial due to " inquiries on my credit report. '' The only inquiry that I had was the one for SOFI on the previous application. Based on this I called in to escalate it on XX/XX/XXXX. For two weeks I was being told that it was basically a glitch, and that they would get it resolved. I talked to two people over this time, a women in escalations that never called back as she said she would, and XXXX XXXX, who also never called back or gave updates. I called numerous times between XXXX and XXXX when I was finally told that they could not remove the inquiry, which was that of SOFI, and due to that they could not approve my loan application. This makes absolutely 0 sense, the follow up was terrible, and as a result I have wasted over 30 days working with an institution and have a hard inquiry on my credit report that hurts my credit. I am credit worthy with a credit score over 700,  XXXXyear in income, and have been on the same job for over 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, 2017, I sent a payment of {$10000.00} from my bank to Coinbase Inc. <P/>On XX/XX/XXXX, the transaction was shown as complete in my bank account, but the new balance was n't reflected on my Coinbase account. <P/>On XX/XX/XXXX, I realized that I sent the payment as a next day ACH transfer to Coinbase 's wire transfer routing number. I created a support ticket with Coinbase ( case ID XXXX ). I also contacted my bank to have them recall the ACH transfer, and contacted Coinbase to get instructions on how to get the money back into my bank account. I provided Coinbase with a trace number to track the ACH transaction. <P/>One XX/XX/XXXX, I received a response from Coinbase support with the following message : " Thank you for confirming it was an ACH. Unfortunately, these types of deposits are not currently supported. Please work with your bank to request the funds be returned. Once we received the request, we will process the return and the funds will arrive back to your account within several business days. '' On XX/XX/XXXX, I received confirmation from my bank that they had sent the recall request to Coinbase, and were waiting for a response. <P/>I subsequently contacted Coinbase 's support team through my support ticket on XX/XX/XXXX and XX/XX/XXXX, and also through XXXX @ CoinbaseSupport on  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to get a response. To date, I have heard nothing from Coinbase 's support team, and have not received the {$10000.00} back in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CONFIDENTIAL : I filed a cusumer complaint ( Complaint XXXX ) with the Consumer Financial Protection Bureau regarding a charge that was supposedly settled and still appeared on my American Express account. By me contacting you, they retaliated against me for filing a complaint by changing their opinion of the disputed charge in a letter dated the same day it was provided to you. The letter had numerous false claims and than ruled in the vendor 's favor with no new evidence. I have numerous letters where they ruled in my favor I guess today 's consumer have no protection This has been going on since Mid-XXXX XXXX.I been doing business with American Express since XX/XX/XXXX. They are not providing any respect to or organization back having someone above a high school education or recent college graduate that tries to be the hero by writing a letter to me reversing the decision. For your information, I am a XXXX XXXX XXXX XXXX XXXX  with a XXXX and XXXX   degree being in business for 31 years. I hope they realize they are dealing with someone that is highly knowledgeable and educated. From this incident, it appears, the CFPB is working for the big corporations rather than the citizens of this country. Please prove me wrong. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After review my credit reports I found a collections on my reports that is not mine. The collections is from IC Systems Inc and on my report it states that the original debt was from XXXX XXXX. I have never had a XXXX XXXX account. My mail box has been broken into several times over the last 5 years and this account is fraudulent. I have contacted the collections agency several times to have this account deleted from my credit reports and they have yet to rectify the situation. This is not my debt and I would like this account deleted from all three of my credit reports ASAP.

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 2022-01-08
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2022 I have an account with gemini, and they suddenly froze my account. I have attempted to reach out to them, they keep asking me to send pictures of myself with my ID for verification. I have completely done this verifications for about 4-5 times without any response from them, I would like for them to reactivate my account, or return my funds, I'm scared that I would lose all my money and this is creating a lot of tension in my family, I need my money back. I was able to log in earlier but now I can no longer log in because my account is frozen and I dont know why, please help me get into my account so I can withdraw my money back thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 3 credit bureaus 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 Date Opened : XX/XX/XXXX Balance : {$4000.00} and XXXX XXXX XXXX Date Opened:XXXX  Balance : {$0.00}.

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 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I just got billing problems on my credit card from CapitolOne. It was started since XX/XX/XXXX. But it have been resolved this issues about two times in a row! There are four different payments involved. I just gave screenshots of the payment status. The fraud department tried to resolve this situation but never will resolved. It was from XXXX XXXX in XXXX, California. Let me know soon to discuss with this matter. Thank you very much!

Company response to consumer: Closed with explanation