BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: Shellpoint Partners, LLC
State: UT
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:
XX/XX/XXXX Re : Shellpoint Mortgage Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SC XXXX Through countless efforts, our issues with Shellpoint Mortgage Servicing Company, are ongoing, and have never been resolved to this day. As a last resort, on, XX/XX/XXXX, we filed a formal complaint with the Consumer Financial Protection Bureau. At which time, on, XX/XX/XXXX, Shellpoint responded, and offered a 30-pay pay-off. Unfortunately we were unable to acquire funds to facilitate that time frame. We reached out and spoke to XXXX on XX/XX/XXXX, and were granted a 30-day extension. 

On, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX, we received letter from Shellpoint, stating, due to the complex nature of the matter, Shellpoint respectfully requests additional time to respond fully. When in fact, the extended offer stated, In review of your settlement offer, Shellpoint is willing to settle the loan in full within 30 day at 90 % to 95 % of the current payoff balance. Per the enclosed payoff quote, the payoff balance is {$37000.00}. 

In pure frustration, on XX/XX/XXXX, we paid Shellpoint in full, the full payoff amount of, {$36000.00}. To our surprise, Shellpoint did NOT honor their settlement offer of, 90 % to 95 % of the payoff balance. 

On, XX/XX/XXXX, we received a confirmation letter from Shellpoint stating the loan has been paid in full. 

As of, XX/XX/XXXX, Shellpoint has never released the lien on our property, and our Credit Bureaus have NOT been updated to reflect the loan at a XXXX  balance, or that the loan has been paid in full. 
Utah requires the lien release be filed within 10 days ; In Utah, a lien claimant is obligated to record a Release of Lien once the lien claim has been satisfied, if a request is properly made by a party with an interest in the property. The release must be filed within 10 days from the date of the request. XX/XX/XXXX XXXX XXXX XXXX XXXX sent that request to Shellpoint along with the pay-off on XX/XX/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 2022-11-02
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from RentDebt Automated Collections that stated to call or write them by XXXX to dispute all or part of the debt. Their letter had a bottom perforated section I filled out to dispute the amount, which I mailed out on XXXX. I received no further correspondence and this debt collection company added the negative mark on my credit report on XXXX, after I wrote to dispute the debt amount. I then sent an email on XXXX asking why the debt amount was not validated as I responded to their letter before XXXX and checked the box to dispute the debt amount. They have not responded to my email from XXXX, today is XXXX. I have proof of the stamp purchase at the XXXX store to which I mailed the letter, I have also attempted to make numerous phone calls to which no one answers. I have a screen recording from today, XX/XX/2022 where I called 3 times that went unanswered. They dont seem to get mail or answer the phone, which is very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a car through XXXX XXXX, and it was a poor functioning vehicle that would not last me, I asked if I could trade it in, was told no, the end result was me turning the property back over to the dealer, and I 'm guessing have resold the car since. Yet, they are still coming after me for the full amount of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
American Express has turned my debt over to a debt collector in XXXX. This company has called various telephone numbers associated with the account ( including private cell phone numbers and work numbers ), has not identified who they are, but has discussed my debt with those who answer the numbers. They have called me personally claiming to be from American Express and ask for personal information including address, birthdate, and social security number - which I do not give. I have told them I will deal directly with American Express yet my friends, family, and I continue to get phone calls from unknown numbers, representatives who are from XXXX with an XXXX accent, and only identify themselves as being from AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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: Public record information inaccurate

Complaint:
XXXX and Experian did not dispute what XXXX provided, all documents are below explaining everything.

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 2022-11-02
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan servicer is EdFinancial. I called to request a refund of {$20000.00} towards the end of XX/XX/2022 since I paid my loans in full already. Theres no way for me to see any confirmation or updates unless I call. I called today ( XX/XX/XXXX ) and they said my refund has not even began to process. They were telling people it can take up to 150 days to process, but now are saying its up to the feds to process them. Meanwhile other loan servicers are processing refunds within 30-45 days, and mine has yet to even start processing or anything show up on my account. I cant afford to pay payments/interest when they start back up in XXXX. Why does edfinancial take so long while other servicers are quicker?? They seem very disorganized and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: WELLS FARGO & COMPANY
State: WI
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:
On XX/XX/XXXX, I alerted Wells Fargo Auto that the information being reported to the credit bureau regarding my vehicle loan is not correct - my balance with the credit bureau has not been updated since XX/XX/2020. The reply I received was that my balance is reported each month, to the credit bureau. This is clearly not the case and I can not get Wells Fargo to update my credit report, monthly, with the correct information. 

Thank you.

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 2015-04-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid XXXX XXXX XXXX back in XXXX. They sent a letter to all XXXX credit bureaus and my wife and I showing that the account was satisfied in full. The problem is that all the credit bureaus are reporting this account in the remark section as " settled for less than full amount ''. I asked them all to remove the remark from this account. I uploaded and faxed documentation from XXXX XXXX XXXX showing this account was satisfied in full. It 's now XXXX, and we are in the final process of getting our XXXX home, and the remark is still showing on our reports. We need to have the remark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Apelles, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The name of the company is XXXX, which now referred my debt to Apelles XXXX XXXX. In XX/XX/2020 I lost my job due to Covid. I called XXXX to cancel my security services since those were not a " necessity '' and I was focus on paying my mortgage, main utilities and food. 
XXXX convinced me to keep their services and would bring my monthly fees to {$10.00} a month opposed to {$60.00}. Since I was already a long term customer, I chose to keep my security services since the amount was bearable. After 9 months, services went up to {$60.00} and I called to cancel because the person who took the information did not do it correctly, he was apparently working remotely from home. I called every month over and over because the amount was increasing. Every time I called XXXX 's customer service, the person claimed he did not know how to disconnect services, others put me on hold for hours, others claimed they couldn't do it remotely for me to call back in a couple weeks. It was always an excuse. This went for about 6 months until they called me to collect. This was completely unprofessional and unfair on XXXX 's behalf because they took a bad situation and state of emergency to take advantage of the consumers because XXXX didn't have the resources during Covid to follow through with the requests. I did not activate my alarm services from XXXX for over 7-8 months so I don't owe them the {$290.00} they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Miller Davis & Peoples
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A " Law Firm '' named XXXX has called me XXXX in XXXX minutes leaving multiple messages stating that I will be taken to court if i do not call them back today. The number was XXXX and the messages were left by XXXX XXXX. I called back, no mini miranda, no verification of who I was ... she alleged that I owe money to a company for a magazine subscription which is 100 % not true. She threatened that I am being taken to court and read me the last XXXX of my social security number. As a former collector, I know that if this is not a scam, which it totally is, this agency has violated the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
i had a credit card with XXXX from when i was in XXXX school. this credit card had fraudulent charges and i disputed them. no resolution was made from this dispute or i wasnt notified. i was unemployed for some extended period of time. XXXX sent the account to a collection agency with a balance for much that i dont owe. i owe for some of it it needs to be investigated and the dispute outcome needs to be showcased to me. the owed amount i would like to have a chance to pay in installments but only for whats owed. i was unemployed and no options were given to me for the balance that wasnt disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
There is a major issue going on with the Amex Serve card at the moment. People are attempting to withdraw cash from ATM 's, the money is not dispersed but it is still being deducted from their balance. 

For the second time in as many months I am sitting on the phone for hours with foreign based customer support most of whom barely speak XXXX and constantly repeat themselves as if they are reading from a script. I have asked for a supervisor and get hung up multiple times after waiting 10 to 20 additional minutes. Once this latest issue is resolved I WILL NEVER put another dime on this card, you ca n't trust them. This most recent time I attempted to take {$400.00} out of an ATM the bank denied it saying " {$400.00} EXCEEDS CARD CASH WITHDRAWAL LIMIT '' I thought this was strange ( the daily cash withdrawal limit is {$750.00} on the card, but thought the ATM had possibly had a {$400.00} limit ). I immediately tried again for {$300.00}, this time it went through with no problem, or so I thought. Although the ATM never dispersed the money, ( I have the receipts for all transactions and offered multiple times to send a copy or picture of them to American Express, they did not want them ) the {$400.00} BOTH the failed {$400.00} withdrawal and the successful {$300.00} withdrawal were deducted from my balance. I immediately called AE and was told that it would take up to 10 days to even start the dispute process and it could take up to 45 days for it to be completely resolved. I called back the next day and was told that yes, they originally thought it would have to go through the dispute process, but they saw a spike in these calls and realized they had a problem and were correcting them in batches. I was given a support ticket number and was told my money would be back on my account with-in 24 hours, It was not. I called back yet again and was told, once again that I 'd have to go through the dispute process and it would take 10 to 45 days. I 've NEVER had any kind of issue like this with any other bank or card. I 'm moving this weekend for a new job in a new city and that money is needed, NOW! The last time was an issue with XXXX XXXX pre-authorizing the card twice right at XXXX time for {$150.00}, XXXX XXXX bent over backwards trying to resolve the issue with Amex Serve yet to no avail it took a full 10 days for the money to be released from the erroneous hold, even though XXXX XXXX released it immediately. 
That money was almost the entirety of my unemployment benefit for the week, I have no other money. I need that money to move from XXXX to XXXX tomorrow for a job that starts on Monday. 
Here are some links to the post where I 've chatted with other people having the same issues : http : XXXX? XXXX XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a short sale offer that on a home that was approved on XXXX/XXXX/15 by HSBC. I contacted them for status on XX/XX/XXXX and was told that the short sale was still in the approval process. I received a letter from HSBC dated XX/XX/XXXX stating that the short sale had been approved.Because of this the buyers withdrew their offer. I decided to do a deed in lieu and started the process. Today, I followed up and was told that could not be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I returned from an international assignment to the USA on XXXX/XXXX/16. I applied for a new credit card with American Express and was approved on XXXX. I received my credit on XXXX. I called and activated my card on that same day - the agent stated I could use the card immediately. On the phone, I had the agent document XXXX very important transactions I needed to make. I then logged into the AMEX portal and tested those transactions in their verification tool - both transactions were approved. On XXXX I drove XXXX miles to complete a car purchase, of which a down payment was XXXX of my important transactions. The transaction was denied and when I called the AMEX customer service agent, they said they could n't help me. The next day I was sent a request to get a form notarized that provided my identify. I have sent that in and continually call into AMEX to get my problem resolved, which is still outstanding. At this point, I have to wonder if AMEX is discriminating against me based on my international background and heritage? This situation has become unfathomable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: DISCOVER BANK
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I had applied for a refinance with Discover Home Loans on XXXX XXXX, 2015. After 6 weeks and many hours on my part gathering the information that Discover needed, I was told that they could not go ahead with a mortgage because the Condo Complex that I live in was in the process of reparing some construction defects on the balconies and had a lawsuit in process with the developer over the defects. Discover told me that it was XXXX regulations that neccessitated the no mortgage discision. This did not make sense to me for XXXX reasons. XXXX if it is a black and white issue - lawsuit means no mortgage - this should have been discovered during the application process XX/XX/XXXX. Second the repairs cost around {$600000.00} which represents less that 1 % of the insured value of the property. In addition the HOA is doing the repairs regardless of the outcome of the lawsuit. I tried to escalate this issue with Discover but have been stonewalled. I also want to know exactly what XXXX says regarding their restrictions on lawsuits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an email ( attached ) from this company. I have no idea who this company is, nor have I ever done business with them. They are using these emails in an attempt to either phish or advertise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: N.A.R., Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX Called N.A.R. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX asking them to validate the ( 2 ) collections they have added to my credit report. Instead of validating the debt, on XXXX, they sent me a NEW collection letter to the updated address that I provided to them. 
XXXX Called again asking for the validation ( signed contract ) showing my signature. Spoke with a Supervisor named XXXX and she indicated that she was still waiting for the documents from XXXX 
XXXX Called again and spoke with the Supervisor XXXX asking for the paperwork again. She indicated that they received it but because they were closing in 5 minutes that she would email it to me first thing the following morning. 
XXXX Called again asking to speak to the Supervisor XXXX but was told this time that she was not available. 

I have disputed this two charges thru the Credit Bureaus, ( XXXX ; XXXX ; XXXX XXXX but they just sent the information to the collection agency and the collection agency will not provide the proof nor will they take these off of my Credit report Idaho XXXX Date opened : XXXX Amount : {$2400.00} XXXX Date opened : XXXX Amount : {$4200.00} I have never lived in XXXX. My wallet had been stolen with my drivers license ; social etc inside. I have filed a police report already but they too need to see the signed contract against my drivers license / passport showing that it was not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i reached out to you and you refused to removed my old address from my consumer credit report which goes against 15 USC 1681 as it clearly the states the important of maximum possible accuracy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 




You are reporting wrong personal information on my consumer credit report such as my address I ONLY HAVE 1 address which is my current address.listed on my Consumer Credit Report ALL OLD ADDRESS SHOULD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 IS RIDICULOUS. I HAVE ALREADY SENT A LAWFUL NOTICE TO THESE PEOPLE AND NOW I HAVE SENT ANOTHER XXXX ABOUT READY TO TAKE LEGAL ACTION ON THAT COMPANY. THEY ARE STILL CONTACTING ME AND STILL REPORTING ON MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I have XXXX Amex cards. Both cards ' page after log in showed " spend certain amount on a mainstream retailer and get specific amount of cash back '' under the card benefits section. When I spent those amounts, the credit card refused to honor the cash back. They said I had to enroll in the offer. There was no option to enroll the offer ( into the cards ) earlier. 

Now after I have made the transaction, the offer to enroll the cards has appeared but only for smaller lesser known merchants and retailers. That mainstream retailer offer above is no more. Nor would they honor the offer when I called in. I think it 's a bait and switch kind of scheme to defraud customers. I expect millions to have been defrauded by Amex!

Company response to consumer: Closed with explanation