BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-30
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We started the short sale with ShellPoint XX/XX/2016. On XX/XX/XXXX they did a drive-by valuation resulting in a value of XXXX. We then initiated a value dispute due to the documented damage to the property. We were told it would take 7 days to return a decision on that value dispute. It took 16 days to get them to tell us the results - they said this was " Due to an interior appraisal that was performed on XX/XX/XXXX ''. We were told that the " new interior appraisal '' returned a value of XXXX. When we were sent a copy of that " interior appraisal '' it turns out it was another exterior valuation only. They lied to us. -- -- -- Please see attached - it is circled in red. 

There are NO interior pictures from the appraiser. It is obvious he never entered the property. 

The square footage listed on the BPO is not remotely correct. The county records have the property listed at XXXX square feet. The appraiser listed the square footage at XXXX - see attached circled in red. 

No working furnace. The property is in the mountains where it is currently below freezing - and has been for some time. 

ShellPoint has outright refused to acknowledge verified real damage that would prevent any conventional buyer from obtaining a loan. 

We have brought these issues up to ShellPoint multiple times. Each time they ignore the factual evidence in this short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I.C.SYSTEM inc. sent a collection notice my address attempting to collect a debt. Balance due {$2100.00} in the positive not negative items I think they are cutting me a check. They called my phone number multiple times mostly at an inconvenience to me. I sent the first letter dated XXXX Then they violated multiple laws and U.S. Codes which I put them on notice about. I sent them an affidavit of Truth, cease and Desist letter, Exhibits of the violations they infringed, and an invoice for the violations they broke under 15 usc 1692 which are all federally protected. This packet of letter was sent certified mail and received XX/XX/2021. They have 30 days from XXXX to reply to my demands by law, if they don't on the XXXX day I will file suit upon I.C. SYSTEM INC.

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 2015-12-17
Company: Regional Management Corporation
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Yes the company is coming to my home leaving mail stating field visits to me. To collect I find this to be harassment and unorthodox and scary.Also they call all the time constantlety through out my work day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a Costco Citi Visa credit card. Until recently, my credit limit was {$8200.00}. I have never been late and always paid on time. Recently, I paid off the balance of {$8000.00}. Even though the payment was made via ACH verified funds, Citi delayed crediting my account for several days. This delay in applying bonafide funds to my account adversely impacted my credit profile by showing a higher balance than XXXX balance after the account was paid in full. After I complained, Citi reduced my credit limit from {$8000.00} to {$4000.00}. This act treated me differently than it treated other customers in a similar situation. They sent an adverse action letter stating the reduction was due to having a late payment with another creditor. This explanation is mystifying because this delinquent mortgage account has been delinquent throughout the period I had a higher credit limit with Citi credit. Additionally, During the period I have a higher credit limit, I had a much lower credit score than when the reduction in limit went into effect. This practice of Citi 's conduct is discriminated against me on the basis of my race as being a XXXX XXXX XXXX. Otherwise, no legitimate business reasons exist for Citi 's conduct in adversely reducing the limit.

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 2016-12-24
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They stated they were trying to collect payment for an ambulance service and we were never in an ambulance or ever ordered one.

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 2016-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have an account reporting with Experian which does not belong to me, XXXX and have disputed with them twice and do not get anywhere! I need this acccount off my record immediately, since it does not belong to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
- I Got a copy of my Experian, XXXX and XXXX Credit Reports on XX/XX/2017. 

- I Found an Unknown Fraudulent Account with XXXX - Account Number XXXX being reported only on Experian Credit Bureau - I Sent Experian a Dispute Letter and request for validation on this unknown account on XX/XX/2017 by USPS Priority Mail Tracking # XXXX - Experian received the Dispute Letter on XX/XX/2017 as USPS tracking system shows. 

- Experian Fraudulent Verified this Unknown account and Updated on XX/XX/2017, they claim to have verified the information in the record and identified the provider of the information as XXXX. 

- On XX/XX/2017 I Contacted XXXX and questioned them about this Fraudulent account, they denied having this or any other account in their records that will match my name and social security number. 

- As of XX/XX/2017 Experian is still Fraudulently reporting this Account in my Credit Report - I have attached proofs of this whole process - To Whom It May Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown XXXX - Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent XXXX - Account Number XXXX be permanently removed from my Experian credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying for a Loan Modification/assumption for the past seven years plus. 
My late husband and I started a LM in XX/XX/XXXX when he was XXXX. He passed in XX/XX/XXXX. Our loan was fixed at 5.8 % and was at XXXX we were hoping to get a lower interest rate ( I wish I had known then what I know now, we would never have applied, ) Part of the qualification to do a loan modification with XXXX was to be 3 months in arrears and if you paid you did not qualify for a Loan Modification. XXXX had me resubmit several applications for the next two years, giving me one reason after another why I needed to resubmit. Until one day I was told the reason I was not getting anywhere was because I needed to assume as well as modify ( the deed is in my name, but not the mortgage ) The Assumption Packet never came I chased that for several months was told it was mailed .... eventually told there is no Assumption packet just redo another Loan Mod packet and they would get it over to the Assumptions Department This goes on & on & on .... There never was an Assumptions Department at XXXX as I was told by my last Rep at XXXX. NO ASSUMPTION DEPARTMENT!! Eventually it is in the hands of XXXX XXXX XXXX. I was told I qualified, I explained that I had submitted over 17 loan Mod apps with XXXX and sent nearly that many copies of my husbands Death Certificate and will. I also kindly asked they not call the house and ask for my husband as XXXX had done for several years. The rep from XXXX told me things would be different than with XXXX it was now streamlined and regulations in place that I would only have one rep and only have to do one modification. I did four and had two reps. I was told finally that I received the modification I was so happy, only it was short lived ... as they called later that night to tell me I had to come up with the back arrears first, then they would modify/assume. I did not have XXXX that they were asking. ( I would not have been behind at all had XXXX done the modification or excepted loan payments from me after my husband passed. ) XXXX had told me the same thing before they transferred to XXXX and that there was no guarantee that I would be allowed to assume, when I asked if I would get the money back if they did not allow me they said no they would consider it from my late husbands estate. I asked if they would take that chance. No home and no money to start over if I was not allowed to assume. 
The loan is no in the hands of another bank Carrington Holdings LLC, I sent them a Notice Of Error & Request For Information to show that they own the note. It is my understanding by law they have to respond within 15 days it has been since XX/XX/XXXX the XXXX was signed and returned to me but as of yet I have not received any response from them. If anyone has any ideas how to proceed with this please let me know. 
Thank you. Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: National Credit Systems,Inc.
State: TX
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:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: CA
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 been disputing an error in my credit report after getting the acknowledgement from the creditor in XX/XX/XXXX, for XX/XX/XXXX, for 7 times. Each time XXXX  just closed it without proper research and I am not able to even dispute online any more as they abruptly close the window where dispute is entered and it goes back to starting g screen without saving any work. After complaining to Attorney general of California, the creditor again issued the correction letter. All my credit cards increased interest rates as my score went down from XXXX to XXXX due to the error. Unfortunately XXXX  propagated the changes to other agencies also and all my reports show the error, and keep coming back after i individually correct with them. Need a resolution asap. Please attached documents for review. Please review and make decision if possible than just forwarding it to someone and then abruptly closing the case based on improper response. I am really tired of the incompetency of the agencies and penalized for their errors even when they promise legendary customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX, and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the Following accounts as I believe these accounts reporting in error. 

XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX Balance Owed : $ {$3000.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016

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 2016-09-08
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello, This firm is going by two names. 1st is Retrieval Masters Creditors but when you call them back they say they 're American Medical Collections. The caller ID says RETRIEVAL MASTERS. I had thought this tactic alone was illegal. 

I think the debt is medical, we 're not sure. Reason why is when they first called we asked them to validate the debt, the caller stated " she 'd email it to us '' that was not the right answer. Soon after they called again, we demanded validation of the debt, we mailed them asking them to validate the debt as well. To date, we received nothing from them. But yet, they continue to call. We feel they 're clearly breaking the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
A home equity line of credit that I settled as a short payoff back in XX/XX/XXXX has been updated on my XXXX and XXXX credit reports, with a last reporting date of XX/XX/XXXX with a status of greater than 120 days pasted due. After submitting disputes to this item at XXXX, the status was updated by the creditor as Paid as Agreed for Less than amount owned, but the last report date is still XX/XX/XXXX. I am seeking to have the last reported date to be set to its original state of XX/XX/XXXX. This error makes it look like the item was just processed. I discovered this after being denied credit, and not receiving the best premium for my home owners insurance. The contact with Citibank has been horrendous. 
On XX/XX/XXXX, I submitted a complaint regarding a HELOC that I settled and paid in XX/XX/XXXX being reflected with a last update date of XX/XX/XXXX on my credit reports through XXXX and XXXX. I discovered this issue after being denied an increase in my credit limit and paying a higher premium on home owners insurance. 
I was instructed to contact the Recovery Department by the general Customer Service number. A letter ( see attached ) was sent to me from Recovery Services to submit documentation. I called them before sending over the fax, and they said that they do not have the account in their system because there is no outstanding balance to pay after the account was settled. 
I was also in contact with the Loss Mitigation Department ( transfer to them by Recovery ), and the agent advised that they do not have the account in their system, because the account was settled and closed in XX/XX/XXXX. When I asked for direction on whom to contact, the rep ( XXXX ) became hostile, and hung up on me. I then called recovery back, and was able to get the information I needed ( after being emphatic ) to send documentation to your team. I have sent them the following supporting documentation Credit reports from XXXX from XX/XX/XXXX, as dispute confirmation, and an updated account status as of XX/XX/XXXX. 
Credit reports from XXXX from XX/XX/XXXX, as dispute confirmation, and an updated account status as of XX/XX/XXXX. 
Credit Report from XXXX that has the correct information dating back to XX/XX/XXXX. 
Authorization and Acceptance Letter from Citibank of a short payoff XXXX for cancellation of debt Fund Transfer Wire Last statement for the account reflecting a XXXX balance Discharge of MortgageI have been working on repairing my credit for the last 3 years, and this issue lowered my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20
Company: First Data Corporation
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
First Data is reporting derogatory and inaccurate information on my XXXX Credit Report. This credit item was listed on my Chapter XXXX Bankruptcy filing and discharged dated XX/XX/2013. Please see attached filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
XX/XX/XXXX I 'm disputing Navy Federal Credit Union 's ( NFCU ) response in denying an interest rate reduction for my VISA Go-Rewards card. As I previously indicated - I 've been a NFCU member since XX/XX/XXXX. They indicated that their denial was based on their review of my current and past credit history with them. I 've had mortgage loans with NFCU since XX/XX/XXXX and have never made a late mortgage payment and never defaulted on a NFCU loan. Over the years I 've paid off credit cards, car loans and other personal loans with NFCU without late payments. I did not want to pull this card, but I 'm XXXX and NFCU knows this. Over the years I 've had to appeal and dispute loan and mortgage denials from NFCU. In XXXX XXXX, my husband obtained a car loan for a XXXX XXXX XXXX with an interest rate of 1.99 percent. After the car loan we attempted get a lower interest rate or consolidation loan for our credit cards but was denied unless we used the XXXX car as collateral. My husband and I agreed to use the car to secure the consolidation loan which also included the car loan amount and was promised in XX/XX/XXXX by XXXX XXXX ( NFCU representative, XXXX, ext XXXX ) that the interest rate would remain 1.99 percent. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX, Assistant Manager ( NFCU representative, XXXX, ext. XXXX ) and he said that he could only give us an interest rate of 5.5 percent for the consolidation loan - not the 1.99 percent that was originally promised. We have been paying the consolidation loan since XX/XX/XXXX and have never made a late payment. I worked for a short time for NFCU XX/XX/XXXX and found that they had a bias in the lending practices with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Remitly, Inc.
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
We arranged with Remitly online for {$100.00} to be transferred to a family member 's bank account in the XXXX. The money was removed from our bank account but never transmitted to our family member. Remitly had vague answers over 6 days about the status of the transfer. We contacted our bank to dispute the charge and will make other financial arrangements for the transfer. We will not use Remitly again and advise anyone else to avoid this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was advised by Well Fargo that XXXX XXXX, who made a mistake with my autopay, would not let XXXX XXXX take money out of my account. They reassured and promised me this. It is recorded. The next day, I had a XXXX balance in my checking 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 2017-02-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I spoke with Experian and my report updates from XXXX never took place or uploaded to Experian 's system. There is massive fraud in regards to my personal and professional information being reported by Experian. Name XXXX, Business attached to addresses, other mortgages that are not mine and with an ex girlfriend listed as a spouse, wrong phone numbers, wrong points of contacts and above all it looks like countless ends of financial fraud with banks and financial institutions. Today XX/XX/2017 I spent close to one hour reviewing the fraud and Experian was helpful to have me contact a local police department in regards to the Fraud. It looks like all 3 credit agencies are not correlating information timely or have been able to do so do to this fraud. XXXX was supposed to clarify these matters with Experian, and they got far worse within in the process. It 's helpful to work with all the credit agencies to double and triple check the progress of inaccurate information.

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