BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX the CFPB issued a publication entitled " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic '', reference : https : //www.consumerfinance.gov/XXXX The report explains the Bureaus approach to Compliance Aids and, among other things, states the following : " QUESTION 4 : Can a furnisher comply with the requirements of the CARES Act relating to reporting of accommodations simply by using a special comment code to report a natural or declared disaster or forbearance? 

ANSWER ( UPDATED XX/XX/XXXX ) : As discussed in FAQ # 2 above, the CARES Act requires a furnisher to report a credit obligation or account as current if it was current prior to the accommodation or not to advance the level of delinquency if it was delinquent prior to the accommodation. Furnishing a special comment code indicating that a consumer with an account is impacted by a disaster or that the consumers account is in forbearance does not provide consumer reporting agencies with this CARES Act-required information and therefore furnishing such a comment code is not a substitute for complying with these requirements.

After the modification approval with Shellpoint, three monthly trial payments of {$1400.00} were executed via autopay, starting on XX/XX/XXXX. Such payments were made on time and continued regularly on a monthly basis until the modification is finalized. The account deserves credit protection and being reported as current, given that the CFPB instructed so, and Shellpoint took all monthly payments right after coming out of the authorized forbearance period. 

Newrez/Shellpoint is in violation of such guidelines. And the CFPB needs to secure compliance, or refer me to the Federal organization that does. 

Respectfully, XXXX 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 2015-10-19
Company: Synovus Bank
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Recently I made a payment to first progress to pay off my outstanding balance. The amount was debited from my account as an ACH check since that is the ONLY way that the take payments. Since the beginning of having the card they have been a total pain in the XXXX to get a pay to. I made the payment on XX/XX/XXXX of this month, and no credit was available to me even though they received the money from my bank and my balance was XXXX. I called them on XX/XX/XXXX in regards to this and they informed me it would take up to 15 days for me to have the credit available, Irate I closed the account and demanded the deposit back, and they told me it would take up to nine weeks to get my deposit back. This is completely unacceptable. they got the deposit for the card in a timely manner they should return it in a timely manner, and 7-9 weeks is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage servicing company is trying to trick me out to assess NSF fee inspite of receving the mortgage payment for the month. There were XXXX mortgage payments made in the month of XXXX 2015 my mistake in e-bill payment. Mortage company was notified about issue immediately about it. Customer service rep at Mortgage company informed me that XXXX payment will not be cleared and not to worry. But after a week Mortgage company sent me letter with NSF fee. I have contacted that mortgage payment was already paid for the Month of XXXX 2015 asked to remove the NSF fee. But Mortgage company is is not removing the NSF fee. I would like CFPB to help me in removing NSF fee and alert consumers of the unfair trade practice of the Mortgage Servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
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:
Sister information is showing up on my Equifax Report. XXXX 's Social Security Number is  1 digit different from mine which is causing a mix-up. Equifax will not fix this issue. 
No action was taken by the company. Called multiple times submitted disputes, this has been a problem for years and continues to be a problem. 
These are the credit errors XXXX XXXX Mulitple Accounts {$130.00} {$170.00} {$480.00} XXXX XXXX- {$3100.00} XXXX XXXX {$3600.00} XXXX XXXX XXXX- {$21000.00} XXXX XXXX Mulitple accounts {$1600.00} {$820.00} {$790.00} XXXX XXXX- {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: ERC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
santander consumers has placed false late payments on credit XXXX from XX/XX/XXXX after having a dispute with rep and continuous asking for good will removal of one true late payment XX/XX/XXXX due to illness after having a shouting match Santander XX/XX/XXXX XX/XX/XXXX added XXXX false late payments to my account and I would like them removed I have provided payment history to credit bureau for removal and still no removal I want this removed from my credit only true late payment would be XX/XX/XXXX when I had XXXX for XXXX and was off work. XX/XX/XXXX was a deferred payment approved by santander and they used that month as a late as well this is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital one Bank accepted fraudulent charges on my credit card I called them from a foreign country informing them of the fraud and I closed that card, they said I could not fight the charges until I was back in the United States. This was some three and a half years ago. I returned only recently. 
Upon my return Capital One said they could no longer fight the charges because it was out of calendar. My calls eventually reached a Fraud department manager who stated that I should have been given other options to fight the charges. They did not fight for their money nor for my cash deposit, however they did apologize. I requested a letter from them stating as much and to date have not received one. Capital One sold this inaccurate account to XXXX XXXX XXXX. I alerted them about the fraud as well as XXXX, XXXX  and XXXX. One credit reporting agency is no longer showing this debit after my repeated objections. 
XXXX XXXX XXXX will not stop reporting this fraudulent and inaccurate account. Capital One will not send me the letter stating they released this debt over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A " letter from XXXX named me as a merchant but I have never been nor have accepted payment to me by credit card as a XXXX ( retired XX/XX/XXXX ). They sent the letter to my legal residence rather than what our Town 's US Post Office requires us to use. Their Security Dept. I told me in early XX/XX/XXXX that the account " had never been opened '' because " it did n't look right '' & that no transactions occurred, but they sent a Statement or the XXXX reporting {$4400.00} in transactions ( including {$98.00} fees ) alleging deposit of {$4300.00} to my bank ( which my bank never received ), despite the phone assurance, then sent a XXXX form ( contradicting their phone statement & continued to send " Statements '' ( using the corrected address I had provided ) until XXXX XXXX in XXXX XXXX Office contacted them. They called to assure me that they knew that the account was fraudulent but refused to provide evidence of how it was opened or where alleged bank deposits were sent. Despite this assurance, I just received a collection notice from Transworld Systems Inc. for {$4700.00} ( for " XXXX '' ) which I immediately disputed with XXXX XXXX by phone. XXXX XXXX offers self-opposing facts, untruthful information & no useful service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a vehicle loan with Santander Consumer. I 've been trying to pay this off by paying towards my principal. My XXXX/XXXX/2015 statement said the balance was {$8800.00} with a principal of {$8700.00}. On XXXX/XXXX/15 I made a monthly payment of {$470.00}. I called the company around XXXX/XXXX/15 to make it known that I would like to send in payments towards my principal. I explained this was n't possible online through the company 's website. I was advised that I had to make a payment XXXX then call in to make them aware the payment was to go to the principal only. On XXXX/XXXX/2015 I made a {$1000.00} payment towards my principal and called in as I was advised to do. The company applied so much towards the payment and the rest towards the interest. I kept calling in to have this corrected. The company kept saying it was being taken care of. My XXXX/XXXX/15 statement came and stated the balance was {$7500.00} and a principal of {$7400.00}. So on XXXX/XXXX/15 I made another payment of {$1000.00}. Same thing happened after calling in and making them aware the payment was for the principal only. Since then I paid my XXXX/XXXX/15 regular payment of {$500.00}, ( but the regular amount is {$470.00} ) on XXXX/XXXX/15. I called in on XXXX/XXXX/15 to do another principal only payment of XXXX. I called back to ask what was the balance before the principal and got a price of {$6000.00}. I asked how after I have made principal only payments and XXXX monthly payments. I believe my balance after the XXXX/XXXX/15 principal balance and the payments I have been making that this is TRULY and error. I keep getting the run around about this so I asking Consumer financial to follow through with this so I may be treated fairly and pay what I owe and not be cheated. I was informed that I ca n't get a number to the accounts department because the company only communicate via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've had Beneficial Finance out of XXXX FL, servicing as my mortgage company for several years, as far back as XXXX. Most recently in the past 2 years the representatives of their company have been standoffish and or short from rude, anytime l or my wife had to personally contact them for assistance concerning our loan, for mostly payment matters. Some of those matters arose shortly after unfortunately having to File for Bankruptcy in XXXX, due to loss of a job. However they were excluded in the bankruptcy papers at our lawyer suggestion. Actually that 's when we first noticed the changes in customer service attitudes anytime we contacted the them. Whether they 've flagged the account or what, it feels like something once they bring up the account something brings on an unenthusiastic voice from their representative, on my end of the phone. Most matters in contacting them concern payments over their website, which is the way l choose to make payments and have from the time it originally came in exexistence. After closing actual stores. l used to go in and make payments actually and was for the most part of why l chose to do business, they were locally or so l thought back then. But over time, from out sourcing customer service overseas and one could barely understand their accents and then long distance at that, not saying they were n't intelligent people because after all they were handling my exchanges of money to the mortgage account. The longer l 've been dealing with this company for years now, l 've come to a parting to refinance through another lender and it 's getting worse, l feel as though these are predatory lending practices. And feel somebody needs to look into their matters if they are n't already, before someone like myself end up with similar situation. Beneficial most recently has moved our account into their bankruptcy division, prohibited me from their website, failed to proceed applying my payment to the account for XXXX, now saying it is short even though it was the same amount as previous paid, no followup letter stating it was short of funds, possibly trying to ruin the ability of me to get another mortgage loan. I do n't know but it is what l feel is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Commonwealth Financial Systems, Inc.
State: FL
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:
The following accounts appearing on my credit report are fraudulent : COMMONWEALTH FINANCE {$1200.00} XX/XX/2021, XXXX XXXX {$2000.00} XX/XX/2021, XXXX XXXX {$61.00} XX/XX/2021, XXXX XXXX XXXX {$1400.00} XX/XX/2021, XXXX XXXX XXXX {$640.00} XX/XX/2021, XXXX XXXX XXXX {$930.00} XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Dates are ongoing I lost my home my work and XXXX XXXX XXXX XXXX Navient student loan services calls 6-10 times a day and today XX/XX/2022 started calling and harassing people the believe are family member which they are no I have sent emails and mail to tell them to not contact anyone else concerning this account. One potential employer pulled my application this morning because of the call. I have asked and asked written and told them not to contact or harass calls 6-10 times daily every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We had a loan for 72 months then extended it for 2 more years, my total payments for the 72month term with interest of 19.24 % should have been {$30000.00} as of today XXXX/XXXX/XXXX I have paid 74 payments, on XXXX/XXXX/XXXX we had to sign an agreement to extend the loan for 2 yrs because the company said we owed with interest over {$15000.00}, they agreed to lower interest to 4 % for 24 mths and the company is telling me I still owe a payoff amount of $ XXXX with late fees, etc ... how can this be. According to extended agreement we wold make 24 more payments of {$300.00}, that 's {$7300.00}. We have made 9 of those payments to date. ( {$2700.00} ) We should only have {$4500.00} left on the extended agreement. They charge me {$10.00} for each payment I make and charge a late fee of {$30.00} from the 1st day it 's late. They are completely ripping people off. I will have paid over {$40000.00} once I 'm done. That is insane I did not buy the car new it was preowned and needed a new transmission after only having it for 1 year. I feel I am totally being taken advantage of and do not owe $ XXXX, The car is not even worth {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/XXXX I made XXXX XXXX reservations with a person named XXXX who said he was at the XXXX XXXX call center 's phone no. XXXX. XXXX confirmed that the XXXX XXXX XXXX XXXX had a XXXX out of a XXXX star rating, which was also indicated on the internet. Based on that information I booked a XXXX night stay for XX/XX/XXXX at the XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ for a total charge of {$66.00}, which XXXX said would not to be charged until my stay on XX/XX/XXXX was completed. Both the star rating and my Amex account not being charged until after XX/XX/XXXX were not true. On my arrival at the aforementioned XXXX I inspected the room I found that is was unfit for human use and did not sign in that room nor did I stay at that XXXX. When I received my XX/XX/XXXX Amex STMT I learned that XXXX at XXXX incorrectly charged my Amex account on XX/XX/XXXX for the {$66.00}, which was prior to the completion date of my stay at that XXXX XXXX as agreed to. I was asked by XXXX complete a survey on my experience at that XXXX XXXX I did and gave the worst rating possible to that XXXX XXXX. 

I contacted Amex in writing XXXX on XXXX and disputed the {$66.00} charge. I also contact Amex in writing fully disputing this charge with backup documentation again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and Amex still has not fully credited this account for {$66.00}. Due to Amex 's failure to follow the rules on this disputed amount I have cancelled my account and membership with Amex. 

The CFPB Ombudsman XXXX XXXX has received a copy of these letters together with the backup documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to call my house for a XXXX XXXX or some similar name. My name is XXXX XXXX and my wife and XXXX kids live here. None of them are name XXXX XXXX or anything close. more importantly none of us - have any debt that is unpaid, overdue or late. 

I advised them two weeks ago to stop calling - as they have a wrong number - but they continue to call me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
BANK OF AMERICA has been charging me a monthly maintenance fee when I was never told about a monthly fee nor is there a signature stating that I am aware of it and understand what it is. There contracts are bogus a f the use of my social security number being attached to my account is fraud when I can not be identified through a social security number. I want the monthly maintenance fees refunded and a complete contract for me to look over.

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 monetary relief
Consumer complaint received 2019-12-10
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 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 checked 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 2020-02-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I went to my bank to apply for a loan and was denied. I was confused because I thought that you all had taken care of the accounts on my credit that does not belongs to me. The account on there does not have a name but there account number is XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I Applied for the Capital One XXXX  XXXX  Credit Card on XX/XX/2022. Upon approval, I received an email stating that the full deposit ( {$200.00} ) was due by XX/XX/2022 to receive the card, otherwise the account would be canceled. Screen stated that additional deposits to increase the card limit of {$200.00} up to {$1000.00} could be made prior to card activation. No explicit date was stated for when additional deposits were required to be paid by within the disclosure, just that they were required prior to activation ; the only date stated for deposits was for the initial {$200.00} deposit. On XX/XX/XXXX I went online to schedule an additional deposit to be made to the card and discovered I could no longer do so. The message I receive stated that either the Deposit due date had already passed or that the application was no longer valid. I called and spoke to a supervisor at Capital One and explained my situation to them. I was told that the date stated was for not just the required deposit, but for the additional deposits as well. I pointed out to them that the disclosure displayed during the application process did not clearly state that, and as such was misleading. I referred them to other areas on the website where the same unclear terms were reiterated. I had applied for this card to help increase my credit limit so I can rebuild my credit score, and because of the deceptive marketing practices employed by Capital One, the card will not be useable for the purposes it was needed for. Capital One has refused to have their underwriting department fix the issue.

Company response to consumer: Closed with explanation