BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was just sold to Shellpoint Mortgage Servicing/XXXX XXXX XXXX XXXX XXXX. I wasn't even notified by them or XXXX XXXX loans who previously owned my mortgage. 
When, I finally got setup on their website https : //www.shellpointmtg.com/ and got logged in. I saw a disturbing statement! It says, " The loan is in active bankruptcy. Please contact the bankruptcy department to service this loan. '' Well, I call them XXXX XXXX XXXX XXXX and get put on HOLD and no-one ever picks up! Been trying for 3 days now! HOUR AND HOURS ON HOLD. No-one ever picks up! 

I have never missed a payment in the last 2 years. I hear this company is a crooked foreclosure company. I guess it's true. They won't even answer the phone to rectify my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: EQUIFAX, INC.
State: MD
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 have disputed online with the credit bureau but they still keep inaccurate information on my credit file. The information I have disputed numerous times comes back as being verified however I don't receive information that explains how they verified the information with a creditor and remains on my credit file thus affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
Company: Lendmark Financial Services
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:
Affidavit was filed XX/XX/XXXX, disputes XX/XX/XXXX, Telephone calls to the company XX/XX/XXXX. Information should not be on my credit report. Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
my student loan was disbursed by my school to the wrong account at XXXX XXXX. over 15000 has just disappeared and I still have to pay it back. The bank said the school must contact them directly in order to send the money to the correct account. XXXX confirmed that they recived the money to account XXXX however the person has withdrawn it and frozen the account. I should either have that money refunded or not be responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
THE 3 CREDIT BUREAUS AND XXXX ARE NOT REMOVING THE LATES FROM MY CREDIT REPORT. THE MOTOR BIKE WAS A TOTAL LOSS THE INSURANCE PAID THE ACCOUNT AND I ALSO MAILED A PAYMENT IN. I HAVE PROOF BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: MIDFIRST BANK
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
When I closed on my mortgage I did not know that if you are backed by FHA that there is not to be any debentures on your mortgage loan. Midland Mortgage acquired my loan and they are in violation of 12 USC 1431 B.

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 2018-03-06
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: Account status incorrect

Complaint:
On XX/XX/18, I submitted credit dispute letter number two to Transunion Consumer Contact Department. The letter informed Transunion that I had recently submitted two debt validations letters to both XXXX   XXXX and XXXX XXXX XXXX. However, both agencies were unable to validate the debt as being mine. XXXX XXXX sent me multiple statements ; however, they failed to submitted the requested documents needed to validate the debt. I submitted documents to Transunion supporting the companies responses ; however, Transunion stated that when they disputed the credit on their end, it came back validated. I questioned Transunion as to how they were able to validate the debt and they stated the companies responded to a computer generated question, stating that the debt was validate. I then questioned Transunion as if they received supporting documents as requested in the letters that I had previously sent them and the representative responded, " no '' they had not. Transunion and the collection agencies ( XXXX XXXX and XXXX XXXX XXXX ) failed to validate that the debts is mines despite my numerous attempt. But yet, Transunion failed to remove the accounts from my credit report.

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 2018-03-06
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I received a call for an unknown number on XX/XX/XXXX. The woman stated she was scheduled to process serve me papers on XX/XX/XXXX in regards to a civil suit. When I pushed for detail, she gave me a telephone number ( XXXX ) XXXX and a File ID # XXXX to call. I call this number and explained what the woman said. The man asked me for my name and case ID number. I asked him who he was with and he said XXXX XXXX XXXX XXXX. He asked me to hold, so he could reach out to the assigned attorney for a hard copy of my case file. Both he and the woman asked me to confirm the last -four digits of my SSN ( which I did after they repeated it to me ) several times. 

After waiting for a couple of minutes, the man states their client Huntington Bank is planning to file a civil suit against me for a 2008 overdraft balance of {$660.00} for an account ending in XXXX. I asked for a written documentation, of the alleged balance due, court filings, etc, but he said the client has sent me letters in an attempt to clear up the debt. However, I have received absolutely nothing. I did have an account briefly with Huntington, but I did close it once I moved away from their branches, so I do not believe in good faith that I have outstanding debt. 

He also said unless I agreed to give him my payment information right now and over the phone, he would mark my account as " in dispute '', and I would be served on XX/XX/XXXXby the woman who initially called me. He said he was a mediator and could help settle this for less than what the suit will cost me. I told him I would not provide credit or bank card information over the phone without some kind of written proof from their office or the client. I had not received any written communication from Huntington Bank or company hired to represent them. 

He said I would receive written confirmation of the debt owed thru XXXX once I set up a payment plan with him ( as he said he was acting on behalf of the assigned attorney ). I declined to provide my payment information over the phone and without proof. He said I can then expect to be served, and hung up on me. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-01-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Had a payoff for a mortgage good thru XX/XX/2020, paid it off on XX/XX/2020 with the additional 2 days of per diem interest indicated on the payoff. After receipt of Payoff on XX/XX/2020, LakeView Loan Servicing is charging me foreclosure fees for a mortgage that has never missed a payment ( first customer service person told me I was 2 months behind, FALSE ). When I call them, I waste hours on the phone and NO one knows why they are charging the fee and cant give me a straight answer. I am in the XXXX  business, so I am very familiar with the loan process. Lakeview Loan Servicing thinks they can just brush me off and I will go away quietly while they make erroneous charges and no one will pay attention.

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
On XX/XX/XXXX, I sent in a certified dispute letter to TransUnion regarding incorrect information that is reporting on my credit. This certified letter was received on XX/XX/XXXX. I have enclosed a copy of the certified mail receipt as well as proof of TransUnion receiving this letter. I have given TransUnion the allowed amount of time of 30 days plus an extra 30 days to respond. I did not hear from TransUnion, so I then sent them a second certified letter on XX/XX/XXXX giving them more than enough time to respond to my request. This second letter was received on XX/XX/XXXX ; I have also enclosed a copy of the receipt of this letter as well. On XX/XX/XXXX, I finally received a response from TransUnion stating that the information they received allows them to have until XX/XX/XXXX to finish my dispute. Due to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify the information I have requested which they have failed to do so. I have also enclosed a copy of the letter that TransUnion has sent me. At this time, I am demanding that TransUnion remove and delete all accounts that were included in the original letter dated on XX/XX/XXXX because they failed to following the federal law to verify within the allowed time of 30 days.

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 2018-05-17
Company: Pinnacle Credit Services, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Pinnacle Credit Services LLC Company : XXXX Amount : {$3000.00} Acct # : XXXX : ref # XXXX I was informed by a financial advisor there were a few thing on my credit report that should have been closed XXXX included. I called the number I was given by XXXX this morning XX/XX/18 and was informed that Pinnacle was sold to another credit service called XXXX XXXX XXXX ( XXXX ). I settled within a year of my Cancellation of service for {$800.00}. 
I am disputing the amount and would like this removed from my credit report as it is hindering all attempts at improving my credit score. 


Thank you in advance. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A hotel booking was made using the Citi Concierge for a Citi prestige 4th night free booking. 
By using this service provided by Citibank, the Citibank Concierge books the hotel for you for 4 nights, and you receive a statement credit equal to one night stay stay for 4 nights, pay for 3 nights. 
The booking was made by the Citi Concierge named XXXX, Case Id : XXXX The booking was made on XX/XX/XXXX. 
XXXX made the booking for the XXXX XXXX XXXX XXXX and confirmed it would qualify for the 4th night free benefit. 
I was required to sign an authorization form for a non-refundable deposit and then email the concierge that the form was signed, and the deposit was charged. 
XXXX. XXXX, 2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} The balance was paid on XX/XX/XXXX XXXX XXXX, 2018 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1800.00} The 4th night free credit was to be applied to my account within 2 statements. It has not been applied and now the Citi Concierge is refusing issue the credit. 
I am disputing {$950.00} of the {$3900.00} billed for the amount the of 4th night free credit that I am owed. 
The CitiConcierge made the booking under the 4th night free benefit, the booking was paid in full using my Citi Prestige card, I complied with all the terms of the program.

I did not make this booking, the CitiConcierge made this booking. 
I have attempted to resolve this with Citibank directly and they have done nothing. 
This card has a very large annual fee, I do not appreciate trying to be cheated out of using the benefits of this card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2018,, And Cotinuting Problems, If Wells Fargo Banks Did ( ALL ) Those Very Bad Mishaps,, ( Note In Question )?? Why Have'nt Anyone From That Company Went To Jail Yet??, Its Very Obvious They Did Amit it??? And That Is A ( FACT )???

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 2018-12-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
The first credit card I applied for never arrived when it was suppose to in 7 to 10 days so, I called for a replacement card and then the hard inquiry appeared on my account.

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 2018-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
Ive reviewed my credit report and PORTFOLIO is reporting my account with XXXX XXXX with a similar but different account numbers. Portfolio is listing as XXXX And XXXX XXXX is listing as XXXX Which is making it report twice on my credit report. To be specific they removed digits to the begining of the account number. Just to inform you I have verified that this is the same account because the amounts and open dates are the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
Company: Source Receivables Management LLC
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the second time on XX/XX/XXXX at XXXX, I was contacted by " XXXX '' at Source Receivables Management in regards to an owed debt. I in he past had already asked them never to call me at work. Both times I have spoken with someone and tried to end the conversation ( because I am at work and can not accept such calls ) they were both extremely rude and argumentative. I felt like I was being personally attacked. Both times I have had to hang up to not cause a disruption at my work place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are currently in negotiation with the Bayview XXXX in regards to t a short sale All documents have been submitted for the short sale review and a XX/XX/XXXX auction was postponed to allow the short sale to be reviewed. We are still in the review and counter offer process and after requesting an Apprisal which was a dome on XX/XX/XXXX We are waiting on a copy of the appraisal report.TThe bank upon receiving the appraisal amount did not contact us for a counter. Instead, the scheduled an auction of the property in the middle of active negotiations with us I called the bank and spoke a representative who stated that the appraisal came back at $ XXXX which is well below the previous figure that the bank had from a computer online generated valuation 'During this process, we have never received any update or documents via mail or any phone calls from the servicer. This individual working this file has shown no comprehension of the law and when he was advised that he was violating the dual tract foreclosures laws he stated he did not know what that was and will continue to auction the home off all while still negotiating with us on a short sale resolution The buyer did increase the offer they were giving on the home but Bayview representative XXXX XXXX stated they will auction the home off no matter what we do. 
BAYVIEW IS IN CLEAR VIOLATION OF THE DUAL TRACK FORECLOSURE LAWS BY AUCTIONING MY HOME OFF ALL THE WHILE WORKING ON A SHORT SALE RESOLUTION. 
My Realtor has left numerous messages for XXXX supervisor XXXX XXXX but he has refused to return any phone calls and emails We have asked Bayview to communicate with us via mail and not phone calls because XXXX from Bayview is attempting to deny all these allegations. 

We were finally able to reach the foreclosure attorney for the bank ( XXXX XXXX and Associates ) and they were very helpful in stopping the foreclosure sale and were very upset at what Bayview Representative XXXX XXXX was engaged in. The bank Bayview has since remain silent and indicated that they are reviewing the counter offer XXXX had advised me and my Realtor that he would not review any offer I assume the Attorney for them made him aware of this violation of Dual tract Foreclosure Law I can only imagine how many other innocent homeowners have lost their home due to this illegal practice and actions by Bayview and the employee XXXX XXXX would ask that your office open an investigation into this individual and Bayview for clear violations A copy of this complaint is being forwarded via express mail and fax to the supreme court justice hearing this case the honorable XXXX XXXX XXXX County Supreme Court New York

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I contacted Capitol One to pay off my credit card balance which was {$290.00} The representative asked for my routing and account number to make the payment. I stated to the rep that I will be using my sister 's routing and account number to make the payment. The rep said it was ok and took the routing and account number. On XX/XX/XXXX I checked my account and noticed there was no payment made. I called Capital One to see why the payment didn't post. The rep stated that the routing and account number was not correct. I asked the rep why didn't they notify me of this issue and the rep informed me that they don't notify customers, it's up the the consumer to check their accounts. I asked the rep if he could repeat the account and routing number that was given to make the payment. The rep couldn't give me that information but stated they tried to take the payment from MY checking account and not my sisters. AGAIN i did not authorize the payment to be taken from my checking account. I spoke with a supervisor to express my dissatisfaction. The supervisor apologized and waived the late fee. I gave permission for my sister to speak with the supervisor to make a payment once again with the same account and routing number. I informed the supervisor that I would like to add my sister as an authorized user but I don't want to add her until my credit card reflected a XXXX balance. The supervisor took the payment. The next day I checked my credit card balance, it stated a XXXX balance, so I added my sister as an authorized user. On XX/XX/XXXX, I checked my credit card balance and noticed the payment still did not post! I viewed my checking account and noticed capital one attempted to take the payment once again from MY bank account! The funds were not in my checking account and this caused my bank account to go into the negative in addition, my account showed a " bounce check ''. I called back to speak to another supervisor who was not cooperative and refused give me the others supervisors name that took the payment. To this day there is still a balance on my credit card that I've tried to pay multiple times. My credit card balance is reporting 99 % and this situation has dropped my sisters credit score by 40 points. I've had this account for 11 years never late. I'm furious and this is unacceptable. 

Eventually i was given the supervisor 's agent ID # XXXX I really needed that payment to post before my cycle date ( XX/XX/XXXX ) for credit purposes. This situation has delayed my personal and business endeavors tremendously and again, I'm very dissatisfied and this is unacceptable.

Company response to consumer: Closed with monetary relief