BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I've been having many issues with this mortgage company and was reading their reviews online and noticed that the positive ones are all " fake '' ( most have only 1 or 2 reviews and can not be validated ) by following up the trend. The negative reviews, however, looked real and exactly the same problems as mine. The company is reporting my payments wrong continuously and does not respond correctly to my concerns. They are very shady and worry me. 

An example of a negative review similar to my issue is below 4 weeks ago SHELLPOINT Mortgage is the most unethical mortgage SCAMMERS MORTGAGE COMPANY in existence. THEY ARE Scammers!!! My mortgage was sold to them after I purchased my home. Soon after I realized the horror of the schemes they carry out in order to add unwarranted fees. Even sending falsely reporting me to the credit bureaus in the highest point of a pandemic. They LIE and I had to battle it out with them and they still refused to remove it. The credit bureau informed me to make a note on my report. I did. Another way they scam you is adding late fee even when you are not late. 
Most people don't listen to reviews and some are so happy to get a mortgage and I understand, but I assure you that if you can get a mortgage from these people you can get it from someone else. Please ... I am please with you, DO NOT GET A MORTGAGE WITH THIS COMPANY!! YOU WILL REGRET IT!!! THEY ARE SCAMMERS!!! Go to your bank and try there and if you go with another company, find out if they will sell your mortgage to SHELLPOINT MORTGAGE. Have them put it in writing that they will not do so. THEY ARE ATROCIUOUS. They don't ebven deserve 1 star.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit 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:
I made a purchase online from XXXX for an item to be shipped to my home address. The item was shipped via USPS to my address. On the day the tracking number was shown as being delivered, I went to collect my package. No package was found at the mailboxes, around the property, or by neighbors. I disputed this charge with USPS to no avail based on the driver marking this package as delivered. There are no photos to show proof of delivery, and no signatures collected for the delivery. XXXX XXXX states in their order confirmation that any delays or lost packages should be disputed with the carrier company. I could not find any information on XXXX XXXX help FAQ to indicate I could resolve lost packages with the company directly. I took to Chase to dispute the charges. XXXX XXXX in their response to the Chase inquiry about the dispute, argued that this charge was valid based on the USPS tracking. I counter argued this point that there is no physical proof of delivery, and sent that response back to Chase. Chase concluded because I couldn't prove I didn't have the item except for lack of owning it, I must pay the {$180.00} for the product. Per FTC, I am not financially liable for a product I never received, and seek compensation for the full product amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We are receiving letter of intent to foreclose on our home due to county PVA department and Kentucky Land Title 's mistake that was made on taxes owed on our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Source Receivables Management LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Responding to the following statement We have received and reviewed the consumer complaint. In a previous complaint, we provided both contracts. XXXX  stated he had a contract at both addresses. When XXXX moved from one address to the other, the new residents did not take over, keeping XXXX  responsible. Much of the equipment was not paid off either. We can offer a settlement of {$3700.00}. If the consumer truly believes this was paid off, we would need proof of payment My response : Providing contracts does not support being paid or the discrepancy therein ; secondly, they failed to address the validity of the charge being owed. What was owed has been paid in full. Also, the contract I signed and have a copy of doesn't mention a cancellation fee of {$2000.00} that is being charged as part of the {$4900.00} charge, XXXX  took it upon themselves to cancel my current system, which was being paid due to their error in billing. The mention I moved XXXX times and owed this amount doesnt seem reasonable that XXXX would grant me credit and install a new system if I had already had a past due balance and was on another system. 
Does it add up? Do you have the contract but no payment history, or don't you want to share that, as it would prove that nothing is owed? Secondly, it seems odd, per their statement, I had one outstanding contract with XXXX ; why would they give me another contract if I was in default of the first one? Nothing makes sense ; they are just doing what their partner XXXX is doing, Lying to trap a person in debt that is not owed. It's all one big hustle. 

I have the current owner, the Realtor, and XXXX XXXX, text message attached all stating that the system was turned over to the new owner, who has an active account on the same system they are now trying to charge me for ; they are withholding information placing the burden on me to validate because it part of the game, the above people are willing to give a statement as well as the closing attorney that this was part of the sale of the home, why would have two active accounts but own one house. Also, they only produce two contracts, and it should be a total of three. 

The original contract, as stated in my first email at XXXX XXXX XXXX, XXXX GA The Second transfer to XXXX XXXX by XXXX, Still active on the same equipment at XXXX XXXX XXXX XXXX, Ga The last one was active and current XXXX XXXX, which XXXX canceled because of there XXXX up of the first two ; it seems odd someone would be outstanding on two contracts, and you give another contact ; this collection agency has an obligation to prove the validity of the charge, and they have not done so, providing a rubber stamp contract doesnt prove a person still owns the debt, they will not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Block, Inc.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to withdraw XXXX of my rent money from the atm inside the XXXX located at XXXX XXXX XXXX XXXX XXXX Utah the first time it said declined then I put my card in again because I knew I had the money in my account the second time it said declined please take your card. The atm did not give me any money at all but it took XXXX out of my account. I told the guy working at XXXX there atm didnt give me my money he said he cant do anything call the number on the atm so I tried but they said I need to contact my financial institution. So I contacted cash app they said to dispute the transaction so I did they denied my dispute so I asked for the information they used to make there decision and they didnt even investigate this. I also did call the XXXX XXXX police That XXXX was my rent money and every day I am getting a XXXX late fee because I dont have a extra XXXX laying around to cover there mistake and they have been nothing but rude unhelpful and totally not understanding. I shouldnt have to pay back XXXX $ every single day because they dont want to do there job and investigate it and give me my money back. This happened on Thursday XX/XX/2023 today is 6 days later so far that is XXXX almost XXXX extra I have to pay and its only going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Paypal Holdings, Inc
State: MT
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:
as of XXXX XXXX XXXX  there was {$600.00} on my paypal card after 1 call 2 XXXX only {$270.00} was left!! My purchase was nit that much! Next day I called n they said there was an error ... after 2 more calls in XX/XX/XXXX5 more calls in XX/XX/XXXX both XXXX n XXXX both saying they see the mistake ... .as of today I have not recieved a dime

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was under a forbearance for 6 months with a company called Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO. XXXX Back in XXXX I filled out documents requesting Loan Modification in Covid related for two months now the company received all my paperwork. I done this because we were getting our jobs back and could start making payments but could not afford to pay back payment all at once. 
I been told that they are awaiting signature from investor. I have been told this for months now I fear they will will not approve a loan modification and drag this out until end of XXXX when the protection is over and then plan to a foreclosure. I have contacted them several times and been told they awaiting Investor review. 
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 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XX/XX/2023, I received an email from Capital One stating that they received an application for credit and would be contacting me shortly. i did not submit an application for credit. I also received a notification email from XXXX about the inquiry for credit. 

I immediately contacted the ( 3 ) main credit bureaus to report a fraud alert ; I contacted Capital One, which they stated they would send the application for credit to their fraud department ; and I submitted a police report online. 

XXXX Credit Bureau stated for me to still contact FTC and make the report, which is why I am providing this information. All three credit bureaus do have a fraud alert on the accounts for one year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX for a collection account assigned to Medical Data Systems , Inc. and spoke with XXXX in billing. She stated XXXX needed to research to verify the charges. XXXX took my current address and updated it in the system. I asked her to make a note that this address is my address and should not be associated with the person/record they have on file. They address that they had on file prior to XX/XX/XXXX when I called was not me and is not associated with me in anyway. XXXX also confirmed that they had my social security number. I asked if she had my birthday and she was not able to confirm. I also asked about the general characteristics ( height, size, weight, etc of the person they have on file ), she was not able to disclose that either. XXXX did say that XXXX has a process for verifying if their information is correct and for me to call back in 7-10 business days. 
I called back and spoke with XXXX on XX/XX/XXXX. XXXX advised that they were still investigating and would need until XX/XX/XXXX to complete. I asked how they would be able to determine if their records are correct if they do not receive any additional information from me like my driver 's license, background, etc. She repeated what XXXX previously stated that XXXX has a " way '' to determine if their information is accurate. 
I voiced my frustration with their process and conflicting information I received from one person to the next. I reiterated that I've never been to their hospital and I've never authorized anyone to visit their hospital or any affiliated entity of XXXX and to please update their system and their collection agency ( Medical Data Systems ) ; and to contact the credit reporting agencies including XXXX, XXXX, and XXXX  to delete the inaccurate account off my credit.

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 2015-12-05
Company: QC HOLDINGS INC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX at XXXX XXXX called me and told me that I was going to have a warrant for my arrest if I did n't make a payment on a debt from 5 years ago. They were attempting to get XXXX in total. I blindly sent XXXX dollars to these con-artist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Experian Information Solutions Inc.
State: IN
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:
Somebody has my information and has used it to open several accounts in my name and inquiries in an attempt to open more accounts. I have not given anyone my permission to use my information and all of these accounts are fraudulent. I have provided the credit bureaus and the creditors a copy of my Police Report iD and social security card to verify my Identity. The credit Bureaus still continue to report these fraudulent accounts. XXXX acc # XXXX was opened XXXX XXXX for {$11000.00}. Two accounts with XXXX XXXX opened XX/XX/XXXX and XX/XX/XXXX acc #  XXXX for {$3000.00}. & # XXXX for {$99.00}. XXXX XXXX XXXX XXXX # XXXX opened XX/XX/XXXX for {$920.00}. Two accounts with XXXX XXXX which is a collection company for XXXX XXXX XXXX acc # XXXX opened XX/XX/XXXX for {$1000.00}. & # XXXXopened XX/XX/XXXX for {$660.00}. XXXX XXXX a collection company for XXXX XXXX XXXX XXXX XXXX  acc # XXXX opened XX/XX/XXXX for {$41.00}. There are also a number of inquiries that were made two to XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  XXXX on 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 non-monetary relief
Consumer complaint received 2020-01-26
Company: Experian Information Solutions 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX currently known as XXXX has reported a hard inquiry by me this is not my inquiry I have had the same account for over 30 years I do not live in XXXX it is not my inquiry needs to be removed

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 2023-03-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I closed on my PennyMac refinance loan XXXX XXXX, XXXX. Loan # XXXX However on or about XX/XX/XXXX, I began to get numerous phone calls from different mortgage companies asking me about my interest in refinancing my home. Of course, I was very surprise that they got my personal information and knew my intentions with PennyMac. Also the loan with PennyMac was about to close since all the paper work was completed. 
In my conversation with a few of these Mortgage Companies ' representatives, I was told that the credit companies sent out my information. I did call my PennyMac Loan officer who said the same. 
If the purpose of sending out my information to other Mortgage Companies was to generate competition and a fair playing field. This did not happen. My loan was near completion and to work with another company would be like starting all over, which would take additional weeks. 
In my conversation with a representative from XXXX XXXX Mortgage and verified by the papers I got from XXXX XXXX stated that a high credit score should generate lower interest rate. Also I was informed that PennyMac Retail renders higher cost and interest vs. Broker Division. My XXXX XXXX is in the XXXX 's and the interest on my loan is 6.5 %. 
It seems to me that I paid higher interest given my excellent credit rating. 
My reason for bringing this to your attention is to seek a redress of my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name/Account # : 1. XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-15
Company: Waypoint Resource Group, LLC
State: MN
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 never opened an account with XXXX that shows on my report with an open date of XX/XX/2022. 
I am not sure why I now see a collection account as I don't recognize this. 
Seems like someone is compromising my data somewhere else, and this is very alarming to me. Please help me on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Denied a promotional offer for new money in a savings acctg. Major bank with minor customer service. Latest response was that I was ineligible due to not receiving offer in mail while I was offered this promotion in person from their bank representative. Have spent several visits to branch office, hours on the phone, and countless time with chats and emails with extremely long turn around time for any answers to this problem. Was told in branch, that this unfortunately business as usual and I am one of many with similar problem with same representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief