BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We pay XXXX monthly mortgage payment. We do NOT escrow. In XX/XX/XXXX Shellpoint Mortgage started to add on escrow amounts on our account? I contacted the company, and they were NOT helpful, but I eventually learned I needed to send proof of insurance with our mortgage payment. I did. Then the next month, more escrow charges until I finally got to a human who said I sent the wrong year? So, I sent XXXX. Next month same result, more erroneous escrow charges. In XXXX, I called again and got a woman on the insurance side of Shellpoint and asked her if I could send both XXXX electronically & she would stay on the line until receipt and confirm to me. She did, and said she would fix this. Next month bill even more screwed up. she did NOTHING. That was in XXXX!!! For the next 3 months countless calls with different Shellpoint customer service people and only in XXXX when I sent XXXX & XXXX payment did we finally ( Ibelieve ) sort this out & fixed this. I asked them to remove finance charge / late fee / penalty from our final invoice & they said we needed to send to Loan servicing dept. which we did. NOTHING! NO RESPONSE. And, now I see our credit score which is always perfect, has been tarnished by these unscrouplous Shellpoint people. They have all his in their phone records. Horrible service.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Resurgent Capital Services L.P.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Dear Collector : Please be advised I XXXX XXXX state this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger an action for damages brought by an individual consumer against LVNV., for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 
Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX state that your claim is disputed, and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of all claims against myself, and your tacit agreement to compensate : XXXX XXXX for costs and attorney 's fees. If after careful review of this debt, you find you have no valid reason to further your interest with me, please delete any negative information you are reporting to the credit bureaus and send us written verification this account has been deleted and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We recently paid off our mortgage. We received a letter from our servicer, Seterus, saying our final payment exceeded what was due and that we were entitled to a refund of {$530.00}. We also had money held by Seterus in escrow for taxes, although we never received a breakdown on those figures. We later received a check unaccompanied by any explanation of whether the check consists of the escrow and the overpayment or just the escrow. We have called and have been told that the payment includes the escrow and the overpayment, but have not been given any breakdown that explains how much was in escrow and how much was returned as an overpayment. We have asked for such a breakdown and been told we will not get one unless we write Seterus. In short, we can not ask for the breakdown explaining how the refund was calculated without a written letter.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repo at the last minute while I was paying to get it caught it to current. This American credit acceptance knew about the job change, XXXX, and just recently my grandma passing. I have lost hours at work due to this. All my property was in the car my laundry, my account cards, my shoes, my medicines, license, and knitting stuff. I didnt know about the default until they took my car. They advertise that they help customers keep their car. How is the helping?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I graduated in XX/XX/XXXX. I received information from my school and from my loan lender, XXXX post graduating. I deferred my loans. I ONLY ever delt with XXXX. in early XX/XX/XXXX I paid a big chunk on my loans and then a week later I was contacted by Nelnet to say that I also had a loan with them. I had not had any contact from them for the 3 years previously. When ever I had questions about my loans I dealt with XXXX. I was making payments to XXXX and my loan was sold to XXXX. I asked them if when I was calling XXXX to defer would they have contacted any additional loan carriers? The answer is no. So, I am writing to you to have this investigated. 
The Facts : My college sent me a loan packet after graduating. It was for the same amount XXXX gave me ... {$38000.00}. 
I deferred my loan for 3 years I never heard a peep from Nelnet I got a call from Nelnet in XX/XX/XXXX. When I stated I 'd never gotten anything from them they just said, oh well .... 
I believe someone took out loans in my name, or something else very strange. I should only be responsible for the pay out amount my school sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have reached out to Navient to have the dispute and the dispute language removed from my credit report. I was advised that this could be done online by uploading the documents to the credit retraction department. I attempted to do so but could not find the credit retraction department in the drop down menu. I reached out to customer service again and learned that this a process that can ONLY be done mail and that department does not have a phone or fax number. I am in the process of securing a home loan and the underwriter will not approve my loan due the dispute appearing on my credit report. I am requesting for Navient to remove the dispute and the dispute language from my credit report. The dispute appears 3 times for each account. I have mailed a copy of my credit report as well as a signed and dated letter indicating I want the disute removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Letter was mailed to me by XXXX XXXX XXXX ( Home Owners Insurance ) advising that my renewal payment had not been received. My insurance is escrowed. I first called New Rez c/o Shellpoint On XX/XX/XXXX to inquire about why the payment had not been made. I was advised that the insurance department was closed to call back XX/XX/XXXX. Immediately I called XXXX XXXX, where I was advised that XXXX was due. Invoice had been submitted to New Rez c/o Shellpoint Mortgage on XX/XX/XXXX. Payment was declined. XXXX advised that she would resend the invoice to the fax number they had on file. I reached back out to New Rez c/o Shellpoint Mortgage on XX/XX/XXXX, where I was given several reasons ranging from them having thousands of accounts that they serviced and mine may have been missed to them not having my insurance information on file. The agent stated that my fax sent from XXXX on XX/XX/XXXX had been received, so now they had my insurance information. I asked why my information had been deleted off my account as they paid on that same policy last year. I have not made any changes to my insurance in years! The resolution of the call was a check would be overnighted to XXXX and there would be payment in 24-48hrs. I waited to call to allow time for payment processing, then on XX/XX/XXXX I received notification from XXXX that my insurance expired. I immediately called XXXX and had a three way call performed to somehow stop the process of cancelation. I was told that the mortgage company gets a grace period of two months to make payment and the account was pending termination set for XX/XX/XXXX. The XXXX XXXX and myself called New Rez c/o Shellpoint mortgage and were told the check had been cut on XX/XX/XXXX it would take 10-20 business days for the payment to be made. XX/XX/XXXX I received an email notification stating that the insurance had been reinstated. 

I am filing this complaint as the mortgage company failed to make my homeowners insurance payment ; placing myself in financial jeopardy in the event there was a loss of the property. If I had not been on top of this issue my insurance would have lapsed! The account is escrowed and should have been better managed. As a consumer, I should not have to spend time away from my employment to address the neglect of the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX XXXX, I sent the pay off amount for my two Federal load to Navient to the address they listed for Federal loans. The payment was never posted, even after the checks were cashed on or around XXXX XXXX. When I called - and was put on hold for nearly an hour - they said one of the checks they had, but they had no record of the second. I emailed after a week or so and just received notification that they payment was received and after a period of " aging '' typically 15-20 days then I will be issued a refund. They say the refund will take four to six weeks to receive. From when I mailed the check - and lost use of my funds - they are saying it will be 3 months before I have access to my money. During this time, I must continue to pay my loans - and the more than 4 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've called Chase credit card services several times since last year XXXX since the change was unexpectedly made to my account but they will not deduct any fees that have accumulated since then & now am in Jeopardy of getting my card closed out which will be devasting since I was doing so well even with job loss to pay my payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
The company PayPal never completes a simple transfer to account from bank account. They did for 60 days, but for period greater than 1 year the transactions have been blocked for what they say is a security reasons. This is false as the account is secure by access procedures and the simple fact that I control access to both PayPal and bank account. This is a simple ACH transaction that shouldnt have extra steps. I believe PayPal does this to push other revenue generating services trying to force consumers to use them. 

Furthermore when money has left the bank it can take 3 days to get to PayPal account. This is not XXXX, XXXX XXXX XXXXXXXX XXXX compliant. 

Lastly I use account to purchase bitcoin. There are what I believe to be deceptive practices in play. When you buy bitcoin there is the rate for bitcoin. Recently, 1 month, I notice after authorizing the purchase there is an confirmation screen next. The exchange rate at time of confirmation is generally {$200.00} higher than authorization screen even though market rates havent changed that much. This to me is very deceptive and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Accepted a student loan for the spring of  XXXX  on  XXXX   XXXX ,  XXXX . All but {$90.00} went towards paying tuition at  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX , I withdrew from classes, and moved back to  XXXX , TX. I was told by the college that the money would go back to the loan servicer. Received a letter in  XXXX   XXXX  stating that since I had withdrawn from classes, I needed to pay the student loan that was disbursed, in the amount of {$1800.00}. I never received the full amount, so I called  Nelnet  and asked them what the letter was about. I was told to ignore it, as it had been sent in error, and they could see that my loans were in good standing, as I have consistently made payments each month. In  XXXX   XXXX , I received another letter stating that this account was going to go to collections, and that I needed to pay it in full immediately. I called again, and was told I needed to fill out a loan discharge packet. I sent this in  XXXX   XXXX , and was told that they had received the information, and they were going to discharge the loan. However, it was still on there in  XXXX , and subsequent calls to the  Dept. of Education  did not produce the same response. They acted as if I had never sent in a discharge form or packet of information. They marked me as late on making payments in  XXXX   XXXX , despite me making a timely payment. So I sent another one. I then called the collections company to see if they had received the information, and they said no, so I sent them a copy as well. I was told I would hear back from them in a couple weeks. A couple weeks went by, and no calls. All negative items are still on my credit reports. Called the Department of Education on  XXXX / XXXX / XXXX , and they said they are still reviewing the information, and I should hear back in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Collector : Please be advised I XXXX XXXXXXXX state this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger an action for damages brought by an individual consumer against Americollect INC, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 
Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX state that your claim is disputed, and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this  alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of all claims against myself, and your tacit agreement to compensate : XXXX XXXX for costs and attorney 's fees. If after careful review of this debt, you find you have no valid reason to further your interest with me, please delete any negative information you are reporting to the credit bureaus and send us written verification this account has been deleted and closed.

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: EQUIFAX, INC.
State: CT
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:
A collection from XXXX is on my report. I did not have an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX USAA began blocking my calls demanding I verify text or email codes I am unable to do while on phone due to my Disabiliry USAA provides NO ACCESS ON LINE AND BLOCK CALLS REQUIRING my deformed painful hands retrieve codes I am unable to do A pin # used to get me access NOW CALLING I HAVE NO ACCESS ALSO I AM VICTIM OF IDENITY THEFT THIS IS RETALIATION because I used to have phone access When I try to resolve Fraud from XXXX they block me. NO ON LINE ACCESS NO PHONE ACCESS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is continuation of case # XXXX. I apologize not submitting all my documents one time. I am here to bridge the miscommunication between XXXX XXXX and Bank of America. To pin point where problem is, I need your help to provide me these documents that l stated below. Here is anther Sample of those documents I am requiring. I had obtained this guide line documents from XXXX XXXX website ( Transferring mortgage instruction ). Also as stated on the manual of Cfpb, you are obligated to keep a copy to your self all the Documents you have sent to the new servicer. 

Loan Acquisition Scheduled UPB Amount ( formerly known as the Unpaid Principal Balance ). 
On the Funding Date/Sale Date : Receive cash wire from XXXX XXXX XXXX XXXX, as Trustee for XXXX Cash wire Includes funding adjustments and net funding. 
Includes the Servicing Released Premium Access cash settlement statements in the Selling System. 
Funding Details Report Loan Purchase Statement providing me those documents will definitely settle my case. 
Thank you 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 2020-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
CapitalOne is reporting inaccurate information on my credit report. They are reporting late payments from XX/XX/XXXX thru XX/XX/XXXX. All other late payments prior to XX/XX/XXXX should not be reporting late because o was in a medical payment plan program and I faced extreme financial hardship due to my medical condition since XXXX. I have tried to correct all the late payments history that has been reporting to XXXX  but has not received any assistance. The account has been deleted with XXXX and however my XXXX And XXXX credit score would s suffering due to this inaccurate reporting, at this time Im requesting that this account be deleted permanently from my credit report because of this account I have not been able to obtain a new job because of this account and I have not been working due to COVID 19 and my medical condition.

Company response to consumer: Closed with explanation