BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage servicer, Shellpoint Mortgage has overpaid our property tax bill and owes us {$15000.00}. 

We live in XXXX XXXX county, and property taxes are due in two installments : XXXX and XXXX. We purchased our house this year, so there's a big increase in the property tax amount since last year ( the prior owner owned the house for 40+ years, so taxes had not been reassessed for a long time. ) We received two tax bills due XX/XX/XXXX to XXXX XXXX County : {$700.00}, and a supplemental of {$7600.00}. 
I asked Shellpoint Mortgage Servicing if they would pay both the initial and supplemental bills. On XX/XX/XXXX, Shellpoint Mortgage Servicing advised us via email that they would NOT pay our supplemental tax bill of and that customers need to pay this on their own. I paid the difference of {$7600.00} to XXXX XXXX from my personal checking account on XX/XX/XXXX. 
On XX/XX/XXXX, Shellpoint withdrew {$7600.00} from our escrow account, they ALSO withdrew an additional {$8300.00}, for the XX/XX/XXXX tax bill. As of XX/XX/XXXX, XXXX XXXX County has NOT received any of this money. 
This overdrew our Escrow account, and they're attempting to raise our monthly payment by {$1000.00} in order to compensate the negative escrow balance they've created. I've called Shellpoint many times, including on XX/XX/XXXX, where I spoke with XXXX, XX/XX/XXXX where I spoke with XXXX XXXX, and XX/XX/XXXX where I spoke to XXXX in the tax department, and received different answers each time. Shellpoint needs to reimburse us the {$15000.00} they've taken from us. To further complicate matters, we are in the middle of refinancing our mortgage, so we've had to increase the loan payoff amount to cover a negative escrow balance.

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 2019-01-08
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mother passed on XX/XX/18 and I inherited her property via her will that had a mortgage with PNC bank. Within two weeks of her passing I sent the bank a partial payment of her mortgage and completed a modification application in XX/XX/XXXX. PNC returned the payment to me stating that I could not make a partial payment and advised me to proceed with the modification/loss mitigation application. I stated on the application that because she missed two closings due to someones negligence and lost out on a XXXX grant that the estate planned to possibly file a legal action on all parties involved and because resided in another state that I wanted to keep the property and place a tenant in the property. After five months of months of sending in extra documentation and multiple phone calls with loss mitigation and having at least five different points of contact PNC informed me that because the property was not my primary residence they had to deny my modification application, could not offer me any payment plans or loss mitigation options and subsequently filed a foreclosure notice on the property. I asked why they couldn't offer me any loss mitigation options and they informed me that FHA guidelines were extremely stringent and does not allow for modifications on non owner occupied properties whether inherited or not. I asked why wasn't my application denied within 30 to 60 days if I stated that it was not my primary residence and they told me that they did not know. This situation has caused me an extreme amount of XXXX and XXXX about my mothers property. Hopefully we can work this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, noncompliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
We disputed the charge of {$880.00} and filed a lawsuit at the XXXX XXXX Small Claims Court the case no. is XXXX. The court ruling was in our favor and we do not need to pay {$880.00}. 

The collection agency has reported delinquency in our names and our credit history has been misrepresented. 

We rented XXXX XXXX apartments from XX/XX/XXXX XX/XX/XXXX. We moved out XXXX and were charged XXXX $ as move-out charges by XXXX XXXX apartments owned by XXXX XXXX. We disputed the charges by filing a case in small claims court in XXXX XXXX, California. We had our case hearing on XX/XX/XXXX and the case was ruled out in favor of my husband ( XXXX XXXX ) and me. The court ordered XXXX XXXX XXXX XXXX XXXX to pay us XXXX $ and ruled that we do not owe them anything. 

In-spite of and after the court judgment, the collections reported our account as derogatory. 

I am requesting that the item be deleted to correct the information. Enclosed are copies of the court judgment and the case transcripts, supporting my position. Please investigate this matter and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing this inaccurate account information with the credit bureaus for over 3 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. I also told them NOT to call me in my certified letter and guess what they did. They started calling an d harassing me After they Signed a certified letter stating NOT to call. They are now in violation of 47 USC 227 TCPA, 15 USC 1681 FCRA s-2 and the FDCPA and the UCC 9-503.

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 2022-01-19
Company: Experian Information Solutions Inc.
State: NY
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:
The company in this matter ( EXPERIAN ) hasnt solved any issues in their response. In fact, their response was unethical. As per my right according to FCRA Act Section 611, i asked for method of verification used in coming to the conclusion that whats being reported on my credit file is indeed accurate. Furthermore, under the FACTA Act Sec 312 ( b ) and ( c ) I also requested any and all documents used in determining validity on this account. Not only did Experian fail to adhere to my rights by law, they tried to deceive me by stating they sent me a result summary on this matter XX/XX/XXXX, of 2021. It seems as if Experian doesnt agree with common law practices and takes pride in violating human rights. I am requesting as per the FACTA ACT SEC 312 ( b ) and ( c ) and as per my human rights too please send me all documents used in determining the validity of this account. This account is not valid, and if you cant adhere to my request I am requesting it be deleted 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 2023-03-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX of 2022  Citizens Bank, where I bank, offered a " Cash Back + '' credit card with the following perks. {$200.00} cash back bonus after charging {$500.00} in the first 90 days, plus another cash back bonus for the cost of a TSA PreCheck up to {$100.00}. I completed both of these tasks within the allotted time frame, charging {$720.00} on XXXX XXXX2022 and purchasing the TSA PreCheck on XXXX XXXX,2022. To date I have not received either of the promised awards, it has been nearly five months. I have visited the branch several times and sat with them as they had a live chat with credit card customer service at which time they stated they would apply for the rebates to my account. I also called customer service and experienced long waits on hold then when a person finally answered we were cut off half way through the conversation. This happened twice. It has been over three months since the local branch employee had the live chat and still nothing has been applied to my account. I am attaching a copy of the offer, although it says expired on top it was active when I applied for and received my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased one washing machine from Home Depot using a co-branded credit card from Citibank. I was over charged for one washing machine and have been disputing it since XXXX. Last conversation took place on XXXX with the Citibank 's dispute department and they told me they spoke with home depot and everything was taken care of and I would be credited. They told me it would take on statement cycle for the credit to take place so which would be by XX/XX/XXXX. When I checked my card balance today the credit was not made to the account. When I called Citibank 's dispute department again on XX/XX/XXXX they now told me that Home Depot said they credited everything I was owed and the dispute group at Citibank told me that they won't do anything else I have to work with the store. When I go to the store they tell me I need to deal with the card. 

Purchase information : XX/XX/XXXX - purchase for washer and dryer {$2400.00} - Cancelled order XXXX - purcahse for washer and dryer {$2300.00} - cancelled order XX/XX/XXXX - purchase for washer {$1000.00} - cancelled order XX/XX/XXXX - purchase for washer {$1100.00} - accepted order Total Amount charged : XXXX Credit from Home Depot : XX/XX/XXXX - {$1100.00} XXXX - {$40.00} XX/XX/XXXX - {$1000.00} XXXX - {$1100.00} XXXX - {$1200.00} XX/XX/XXXX - {$40.00} Total Amount credited : {$4700.00} Total Amount charged {$7000.00} minus total amount credited {$4700.00} Amount remaining : {$2300.00} minus purchase of 1 washer for {$1100.00} Still owed refund of {$1100.00} for overcharge of an additional washer which I never received Citibank dispute department refuses to help me at this point and says it's a closed case. I'm having to pay for 2 washing machines when I only purchased one. I keep getting the run around between the departments of the co-branded card company Citibank and Home Depot it's apparent that the systems/data does not update properly. Citibank left it with to bad you have to pay the balance.

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 2022-01-19
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a title loan for {$1500.00}. I agreed to pay XXXX a month for 36 months. In XX/XX/2019 during the coronavirus lock down I called to ask if theres anything that they could do to help me out during this lock down time. They said no problem. They could let me skip the month & tack on the missing payment at the end of the loan. I said all I would owe is one additional months payment of {$260.00}? They said yes. I have paid every single month by the due date & expected to owe one more additional month, now theyre saying I owe an additional {$2700.00}. That was never discussed. Or even implied. I have paid over XXXX for a {$1500.00} loan, on time & no one ever said Id owe an additional {$3000.00} for extending one {$260.00} payment to the end of the loan! Please please help me. This company is ripping me off & lying about it. I dont know what to do.

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 2022-08-06
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I started a Venmo account about XXXX years ago. Over the years I had made a total of five to six transactions on the platform to friends and family. Last year I tried to send money to a friend and a notification popped up that my account was frozen. At the time I didnt think much of it because I figured it had to be a simple fix. At first I came to the conclusion that it must have been related to the new debit card I got and that I had forgot to change it in the platform. When I tired to unfreeze my account using their online portal I learned it had little to do with my card and they transferred me to another department as my account being frozen required a different team. That team explained to me that I have violated their user agreement and that my account has been permanently deactivated. The company would not share with me any reason why due to what they state as a matter of security. Now I am left with a deactivated account for a problem I am unaware of and that I can not fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Fraudulent accounts police report on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Information belongs to someone else

Complaint:
Fraudulent accounts police report on file 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 non-monetary relief
Consumer complaint received 2020-02-12
Company: Colony Brands, Inc.
State: DC
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:
I challenged some information on my credit report, which the creditor is listing as a charge off. I have documents that prove I paid off the account in full, and when I filed a dispute, the creditor not only kept the erroneous information on my record, but that information resulted in a drop in my credit score. I had a credit score of XXXX ; it is now XXXX after the dispute was filed, so I am also alleging retaliation for the dispute by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have attempted to have them verify this debt due which they have not and have threatened me verbally that if I do not pay this debt they will sue me. I have asked for validation of debt and they have not responded with proper documentation. They have also said to pay debt in full but they will not remove debt which is a violation Under 15 US Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: United Shore Financial Services, LLC
State: MA
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:
United Wholesale Mortgage reported my account late in XXXX of XXXX but my late payment was waived on XX/XX/XXXX therefore a late credit report shouldnt be on my credit file. Its false and inaccurate and was never paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Equitable Acceptance Corp
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was approached by Equitable Acceptance Corporation in reference to my Federal Student loan in XX/XX/2017. The company representative stated that I qualified for a special program of repayment. I was told at the time to pay a set monthly rate for three years with an annual income review each year. At the end of that period of time my student loan debt would be forgiven. I currently pay {$39.00} monthly.

I recently discovered that this company shows up on my credit report as a charge card.

I called Equitable Acceptance Corporation and got a total run-around. This led me to call The Department of Education/XXXX. The representative informed me at that time that this company is known to be scamming people in reference to student loans. All the payments that were collected were never applied to my loan. They provide no services. Consumers are able to negotiate repayment directly with the Department of Education free of charge.

After some internet searching I have discovered the following information : 1. The FTC has taken action against this company and other similar companies. I have included a  link to the article : https : //www.ftc.gov/XXXX 2. There is an ongoing class-action lawsuit filed against Equitable Acceptance Corporation by XXXX XXXX and XXXX XXXX XXXX. I have included a link to the article : https : XXXX 3. The company has also been sued by the state of New York. I have included a link to the article : https : XXXX 4. Here is another article on the same subject : https : XXXX These are by no means the only negative articles and information about this companies deceptive business practices. I was scammed by Equitable Acceptance Corporation and hope to prevent another person from being taken advantage of by their deception and outright lies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Santander Consumer USA Holdings Inc.
State: AL
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:
My car was totaled in an accident in XXXX. My car was financed through a company called Santander Consumer USA. The insurance company paid Santander but the remaining balance was never written off. I called Santander several times over serveral years inquiring about the balance remaining on my account and was told that it would be and should have been written off after receiving the insurance payment. The account was charged off instead because of the age of the account. I checked my credit report and found out that someone from Santander is sending charge offs for this account every month. There were 62 charge offs and 63 charge offs the last time I checked my credit report. I only had one account with this company and there are now 63 charge offs for this one account. I am being harassed by this company. The credit bureaus show this account as closed with a balance of {$8500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, please see documents attached for more details. I hope you can 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 2023-03-14
Company: Gurstel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have responded to them numerous times and now they are threaten me to take me to court. I do not recognize the debt. Nothing in the papers they sent me reflects my signature. They have requested personal information I do not feel approiate to send them for something I do not know about. 

Im un a limited income and only receive Social Security. The file # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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 information incorrect

Complaint:
This company shows that I have a balance with my current insurance company however after contacting XXXX XXXX they confirmed that there is no balance. I requested for them to remove the incorrect information however they said they would only remove the information if I were to pay the incorrect balance. This sounds like a scam to me however they are impacting my credit report and I will be seeking litigation and sue the company for each incorrect entry on each of my credit reports showing the data as per the FDCPA laws. 

This is the data listed : XXXX XXXX XXXX XXXX Collection Account {$120.00} Date Opened : XX/XX/2022 XXXX XXXX XXXX XXXX Collection Account {$980.00} Date Opened : XX/XX/2022 2022

Company response to consumer: Closed with explanation