BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Approximately 1 year ago, I submitted a request for removal of PMI associated with a home loan. At that time, Shellpoint advised that we would have to pay " at least {$400.00}, '' for an appraisal to be done ; however, would not provide a maximum amount. They essentially wanted me to sign off on an appraisal that could theoretically be of an unlimited denomination. In an attempt to remedy the situation, I called the lender numerous times requesting assistance and an maximum amount of the appraisal without response. In the end, I filed a complaint with the CFPB in order to get some action from the lender. Only at that time, did they advise that the cost of the appraisal would be approximately {$590.00}. Total time elapsed over 6 months.

Several months ago, we contacted Shellpoint to move forward with the PMI removal process and was advised via email on XX/XX/2018, that we would need an appraisal and to respond to the email in order to move forward. I responded to that email as directed, but did not receive any further communication other than an email acknowledgment and several notifications ( via mail ) that " we are working on your problem. '' Since that time, we have contacted Shellpoint numerous times via email and phone to be told EVERY time that a prior agent had made an error and that we would immediately get the document which needed to be signed before moving forward with ordering the appraisal. Finally, on XX/XX/XXXX, we were told that there must be " some issue, '' and that a supervisor would call us back shortly. Again, nobody contacted us back. Today, XX/XX/XXXX, I called again and was transferred to the voicemail of a manager, who has not phoned back. 

Shellpoint 's lack of response to inquiry, or to escalation to management, is pervasive within the company. Each agent acts with confidence that they know what is wrong with the process, yet EVERY time nothing is fixed. We get letter after letter stating that " we are working on it, '' yet never get the process moved forward. This lack of response by the company has cost us well over {$1000.00} due to their lack of response. I have given Shellpoint adequate opportunity to do the right thing, but again, they have not ; thus, request that an official investigation occur to remedy this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: HireRight Solutions, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Company HireRight has multiple inaccurate criminal background reporting for my records in the state of Connecticut. I have contacted HireRight via phone and email communication starting X/XX/2017. During my contact I established a case # XXXX and request # XXXX. I also at the same time email over a copy of my FBI National Identity History Summary Check and also a CT State Police fingerprint supported background check. Response from the company on XX/XX/XXXX when I reached out again due to no contact from HireRight was the case was closed and they could not dispute the records. Rep spoken to was XXXX XXXX who attempted to contact the supervisor on duty XXXX XXXX but there was no response from any supervisor to handle a customer escalation. Please help me as this inaccurate record would hurt my current Job seeking abilities and is a time sensitive issue. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - Received a cancellation notice from my homeowners insurance company stating that my homeowners insurance was not paid and they had cancelled my policy. It was after hours so I had to wait until the next day to address it. 

XX/XX/XXXX - Called Roundpoint Mortgage ( RPM ), spent about 2 hours on hold, was then told that they never received the notice of payment due because they had changed their mailing address & fax number. I called my homeowners insurance company and they advised me that they had received a letter from roundpoint telling them to remove them as responsible for the escrow because the account was paid in full. ( i now have a copy of this letter available ). I was promised they would send the payment overnight. Insurance company explained to me that home would remain uncovered until they received payment. I went ahead & made the payment because I was told that it would be refunded to me. 

XX/XX/XXXX - I called insurance company to check and see if the payment had been received from RPM. 

On/around XX/XX/XXXX, the check was returned to roundpoint by the insurance company because the insurance had already been paid in full to me. I then asked roundpoint to refund the money to me, since they had concrete proof that I had made the payment they should have. they told me it would be taken care of. It's now more than a month later & i'm being told that they can not refund me because I'm not due for escrow reveiw until XXXX and that they think the difference would be less than {$20.00} a month ( which of course makes no sense since the amount owed is {$710.00} just from the insurance ). I also received an automated message telling me that they're in the process of transferring my loan when I tried to call in today about this, so then it seems an escrow review would be done in advance of that anyway. 

I have copies of multiple chats & dates/times of phone calls ( i don't have all them in front of me but I can get them together if needed )

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 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was sent a letter of notice stating that I need to pay my past due payment of XX/XX/XXXX by XX/XX/XXXX to avoid negative reporting to the Credit Bureaus. I had a problem before with XX/XX/XXXX payment because I was unaware of Capital One reporting policy, so I didn't want to get another late on my credit report. 

I made the payment to capital one as always through my checking account on XX/XX/XXXX. It was marked as paid when I checked it the next day. 

( My XXXX, XXXX and XXXX, XXXX credit report didn't show a XXXX, XXXX late payment at all. It wasn't unit XXXX 's credit report update it had showed XXXX late payment, this is the only time I saw that my payment was marked as a late payment. this took 2 months for them to know this. 

I assure you I had done everything right on my end to make this payment on time. I didn't want this to hurt my credit report badly. ( just about everything is automated and very little human intervention is involved. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: GA
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:
On XXXX XXXX,2017 I sent XXXX, Equifax, XXXX a certified letter with confirmation of delivery which was sign for on XXXX XXXX,2017 from XXXX, Equifax XXXX,2017 and XXXX on XXXX,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the companies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo. 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX Thanks for looking in this matter for me. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Flandreau Santee Sioux Tribe
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I took out a loan with 605 lending which is owned by fsst management services for XXXX dollars ..This loan is an illegal loan in the state of Illinois per the Illinois payday loan act which states a loan company must be licensed in the state of Illinois which this company is not therefore making this loan illegal ..Per Illinois state law a loan company can charge a maximum of 99 percent interest annually and this loan company charges 720 annual interest therefore making this an illegal unenforceable loan per the Illinois payday loan act ..to date I have paid XXXX Dollars which is the principal on the loan ..would like this loan to be settled for the XXXX already paid and no further contact with company ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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 have recently been the victim of identity theft and have had several hard inquiries from federal credit unions that I have never heard of. I have contacted all of the creditors and they have not removed the hard inquiry from the account. I have frozen all three credit reports and placed a security alert on my account. I would like the following hard inquiries to be removed XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Beginning XX/XX/2013, Ex wife, ( XXXX XXXX XXXX ) was encouraged to stop paying on house mortgage in order to qualify for a Loan Modification. Chase Bank completed a loan modification initiated by my former spouse without prior written notice or authorization by myself as the primary on the note in XX/XX/2013. 
In Loan Modification section marked ... My Representation on page 2 item C reads : " There has been a no change in the ownership of the property since I signed the loan documents. '' Original Loan and Title was taken / placed in both of our names, both signed loan documents, so statement she signed as TRUE in my representation on page 2 item C, is NOT true. 

If a Quick Claim Deed gives her all interest in the property, the ownership did indeed change from both of us to just her, making the above statement FALSE ( see My Representation page 2 item C ) because ownership of property did change. 

I have been unable to obtain a response from Chase Bank as to why this loan modification was permitted to happen without notifying the primary borrower ( myself ). As I am responsible for paying part of monthly payments. ( bank statements of payment are available if needed ). I feel I should have been involved in the process as I am co-owner on the property. See enclosed divorce decree. 

Loan modification was completed by Chase Bank with my ex wife without my knowledge or signature. My name appears only on the mailing page. Ex wife SIGNATURE is only one found anywhere on the loan. 

The Company involved is JP Morgan Chase Bank with my ex wife, XXXX XXXX XXXX ( XXXX ) and myself, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Repeaditly calling all throughout the day while I'm at work. Leaving messages on my voicemail saying they are trying to serve me papers, leaving messages on my wife 's phone saying they're trying to serve me papers. They calling from different numbers so, I don't know what is what. I'm struggling right now in this pandemic so I'm in able to make a payment right now and it's really nerve wrecking. The calls come everyday. I check my credit report weekly so I know what I owe and who I owe. 

Midland Credit Management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XXXX, XX/XX/2019 FOR 3060/90/ DAYS? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2021-02-01
Company: CBC Companies, Inc.
State: TX
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:
I complained that Factual Data did not have my permission to access my credit per previous Complaint # XXXX. Factual Data replied back they have disputed the inquiries with their client. If Factual Data made the inquiry, why do they have to dispute with their client????? Factual Data is on the inquiry and I did not give another company permission to access my credit. Why are there third party agreements that I am not aware of? And why does XXXX allow third part agreements that consumers are not aware of? TWO COMPANIES NOW HAVE MY SOCIAL AND PERSONAL INFORMATION! Why does XXXX give another company permission to access my credit information without my permission??? Do all large companies in the US disregard the American people and laws until someone says something?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Since XXXX of 2019 Chase decided to took money from my account. Chase claimed that I signed under my son account and whenever my son has overdraft chase has to take money from my account to cover his overdraft fees. Recently Chase told me I had a minus on my account. On XX/XX/XXXX I withdrew XXXX XXXX dollars from my account. My account had XXXX dollars left. Prior to the withdrawal I made a purchase at XXXX and bought a cup of coffee. Chase saw that purchase. The purchase was {$1.00} cents. After I made the purchase and the withdrawal, Chase took the whole XXXX dollars to collect my son overdraft. They did not pay for the transaction of {$1.00} cent. For about 5 days I had a minus of {$1.00} cents on my account. When I've decided to file a complaint against them., Chase collected {$18.00} cent from my account but I had a minus in my account. So where does the {$18.00} cents come. It is a miscalculation by Chase. If Chase can make a miscalculation once, it can happened before. I have asking them for verification of signature of my son account because my son is not a minor anymore. I am not responsible for his account. I also need chase to stop taking funds from my account to cover my son overdraft. I am asking for chase to investigate every transaction from the date I opened my account until now. Since there was 1 miscalculation, there could have been more

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
As XX/XX/2020 My Insurance and Chase Bank as been paid in full on Chase Auto loan # XXXX. As of today I have been trying to refinance my current auto loan for a lower rate, but turn down 2x on XX/XX/2020 and XX/XX/2020 from my CU. Reason why, my score dropped over 100pts and open past due Chase Auto loan. I need this matter taken cared ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX XXXX,2017 I sent Transuion, XXXX, XXXX a certified letter with confirmation of delivery which was sign for on XXXX XXXX from TransUnion, XXXX XXXX,2017 and XXXX on XXXX,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the companies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo. 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX Thanks for looking in this matter for me. 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 explanation
Consumer complaint received 2019-10-09
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Got a call on XX/XX/2019 @ XXXX and I could not understand the person 's accent. Then another person got on the line and kept calling me XXXX instead if my name. When I asked him to stop and call me by my name he became abusive on the phone. I told him if he did not stop I would hang up and he said so what hangups, so I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I lost my house to a fire last year. My Insurance Company disbursed my check and it 's in a escrow account at my financial institution. I am having problems getting timely disbursements and this will cause me to be homeless in the near future when the lease on my rental property expires that is also being paid for by my insurance company, XXXX. My contractors are looking at my mortgage company with disgust, myself included. Ive had all the required paperwork filed for sometime yet I still have to jump hurdles to get any disbursements. This is causing major conflict in the progress of my home rebuild.

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