BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Our loan officer, XXXX XXXX, lied to us on two occasions. The first occasion began when my wife and I asked for our rate to be locked at 3.75 %. She responded the next day by saying that our rate was locked as of that day and that we would be receiving a form to sign to that effect. We waited a week before emailing again to inquire about the form as we had not yet received it. She responded that day by saying that our rate was locked but at 3.875 %. She wrote in her email to us that she thought that " we had discussed this. '' Of course, that had not happened. We had no email notification and no phone contact with her. I will apologize and withdraw this complaint if XXXX can provide so much as a phone record stating that she spoke with my wife or I during the week since stating that our rate was locked while referencing a document listing 3.75 as our rate. 

I contacted XXXX 's supervisor to have him correct her behavior. He did. However. No apology was given. And while we requested a new loan officer on account of XXXX 's behavior, our request was not granted. In fact, XXXX then called and left a rude and unprofessional phone message. 

On the second occasion that XXXX lied, our realtor was reviewing disclosures a week prior to closing and noticed that some closing costs were being billed to us. Our realtor emailed XXXX ( while cc'ing us ) to ask for an explanation as the understanding was that no closing costs were to be billed. As I saw no response from XXXX to our realtor, we emailed her asking for an answer. XXXX emailed back to say that she had already responded to our realtor in stating that they would be removed just prior to closing. This was a lie and our realtor immediately noticed and wrote her back to say that she had received no such response. When I emailed again ( while cc'ing XXXX 's supervisor ) XXXX responded by rudely stating that it was n't her responsibility to explain things to our realtor - completely ignoring the fact that she had just lied to our realtor, my wife, and I. 

Further, it was our understanding that we were to have received a final loan disclosure document 10 days prior to closing. We did n't see the final document until we were at the signing. We had to check whether or not XXXX had changed the terms of the loan at the signing. 

Our experience with XXXX XXXX and XXXX XXXX was extremely unpleasant. We will make sure that everyone we know and who will listen will know about our experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: PMAB,LLC
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This was billed improperly to the VA. I was and still am covered by Medicaid ( XXXX ) ID # XXXX. I notified the care provider and debt collector of this, however I am still being billed. Medicaid is a Federal Insurance with no co-pay and billing me personally is in violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On XXXX/XXXX/2015 I responded via fax and through XXXX XXXX to Chex Systems regarding additional information that they needed to me to support my claim of clearing address 's that does not have any associations with me. On that day I sent a notarize personal statement about the address that did n't belong to me and I also sent them a Police Report as they have requested for me to do. I have attached a copy of the XXXX XXXX delivery confirmation, police report and notarized statement. With reading their rebuttal to me now stating the police report that I have sent them does not specify dates or date range to remove the information. And now I need to get an additional police report that specifies in further detail about ID Fraud. I will do so. But, I did send a notarized statement to you on XXXX/XXXX/15 and I had attached it to the cfpb dispute # XXXX, and I also sent the original to you via XXXX XXXX which you received on XXXX/XXXX/15, and I also faxed all the statements to you on XXXX/XXXX/15 as well. Also, on the police report it did state the XXXX banks XXXX Bank and XXXX Bank but you only mentioned that you deleted XXXX. Your consumer report dated XXXX/XXXX/15 is attached as proof. Now XXXX XXXX XXXX XXXX XXXX, CA XXXX is my parents address. My parent has owned that property for more than XXXX years. I stayed there up until I was XXXX years old. I do n't know what more to say regarding that but I have n't lived there since that time. Please divulge the name of the Bank and or credit union that has reported my name using that address recently so that I can speak to them directly to clear that information out. As stated before I will get a detailed police report first thing in the morning and re-submit it to you so that all the other disputed items can be removed. 

Thank you Also please look at the notarized statement that I sent you via this portal, fedex and fax

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This complaint is in response to my previous complaint (  XXXX  ) which Transunion are failing to rectify and/or provide an adequate response.     In Transunion 's previous response they state - " We have reviewed your complaint along with the information you previously provided regarding this issue. On  XXXX / XXXX / XXXX  you contacted us disputing the accuracy of  XXXX  #  XXXX . As a result, the item was removed from your credit report. Please be advised, it is TransUnions policy to remove disputed authorized user accounts as you have no legal liability to pay the debt. '' Both myself AND  XXXX  have already advise d ( multip le times ) that the dispute was lodged in ERROR and that it should be removed from my account. Both  XXXX  and  XXXX  have honored this request and are re-reporting this account  XXXX  #  XXXX  on my credit report  YET Transun ion are still refusing the re-add the account despite multiple requests from myself and  XXXX  to do so. I do n't know how much more clearer we can be that the dispute regarding the balance showing was an error. I did not realize that  XXXX   XXXX  took 30 days to update their statistics.     My wife and I a rrived in the US  in  XXXX  and as I was unable to apply for a credit card my wife opened this account (  XXXX  #  XXXX  ) as the primary and added myself as an authorized user so that I could build credit. This is the only and longest holding account that I have and by removing it from my Transunion credit report means I show no accounts and therefore m y credit score  dropped from  XXXX  to just above  XXXX .     What is unclear is why  XXXX  and   XXXX   have had no problem re-reporting this account YET Transunion continue to refuse to re-add it DESPITE  XXXX  and myself and the primary account holder ALL explaining that the dispute was simply an error.     If Transunion continue to refuse to report this accou nt (   XXXX  #  XXXX  ) I will be seeking legal advice as to whether or not you are violating my rights and reporting incorrect information on my account. Since this has been ongoing from  XXXX   XXXX  I will certainly be seeking emotional and physiological damages for the stress this situation has caused me along with the fact several loan applications have been denied because of my lo w credit score  provided by Transunion.

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 2016-06-10
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I paid for a private loan under Genesis for a program I attended in an XXXX XXXX that is now closed down. I am eligible for a federal loan settlement due to the campus, program, and year I attended ; it is one of the many that are being sued for giving false information to students about job placement rates since XXXX XXXX. I paid for a Genesis loan, and asides from having been sued in XXXX for high-interest rates and causing 60 % of students to default while going to school, it turns out that from the start students were lied to about the chances of finding a job. I want a refund from this loan and can not get ahold of my private Genesis lender.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Several banks and servicers have attempted to illegally take my home using fraudulent and bogus documents. XXXX started this in 2008 ; many banks used delaying tactics and phone mills/robosigning and refusing payments to put my home into jeopardy. I have been able to thwart XXXX seperate attempts to foreclose with the help of our local District Judge and Temporary Restraining Orders. I have reliable authoritative witnesses to the 'Transfer of Mortgage ' document XXXX ( recently they cancelled the sale of my home and transfer my case to Shellpoint Mortgage Servicing ) & Shellpoint Mortgage Servicing have used to say they have the right to foreclose, but they have no standing. Attempting to extort money from me using a fraudulent document is illegal. Their licenses to operate need to be revoked, and they need to cease and desist attempting to collect money from me, or any homeowner, unless they have a clear, legal chain of title. Which in my case they do n't or they wouldnt need to use one that is so simply proven to be fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Chex-Systems to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Transaction issue

Complaint:
Back on XXXX XXXX, 2015 I purchased a cell phone from XXXX XXXX using my credit card. When the phone did not arrive, I called to file a dispute on the XXXX of XXXX. I was issued a temporary refund to my account. I always make the habit of paying off my balance as soon as the charges clear the account before the statement is processed, so I paid the charge of {$1000.00} already back in the beginning of XXXX, but as of XXXX XXXX, I noticed the refund was taken away and I was rebilled for the charges of {$1000.00} and I am being asked to pay them XXXX even though I still do not have the merchandise that I originally paid for. I called several supervisors who claimed that a mistake was made and that I recieved XXXX charges and XXXX credits that should have cancelled each other out, but they would do nothing the correct this issue and I was forced to pay the {$1000.00} back to the credit card company to avoid a negative consequence on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; MEDICAL XXXX Balance : {$690.00} ; MEDICAL XXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: EVERBANK, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Everbank foreclosed on my house in XX/XX/XXXX. Then transferred the loan to XXXX and they started foreclosure in XX/XX/XXXX after Everbank had already foreclosed on the property. On my credit report Everbank has a line that says loan transferred. Which leads creditors to believe that I have a mortgage out there somewhere, but I do n't. I have spoken with Everbank and asked them to simply report to the credit bureaus that the account is closed and settled in full, but they refuse. They say that I need to talk to XXXX. I 've talked to both companies and they both are playing the blame game. Everbank says that I owe no money. So because they have the status of the that mortgage as being transferred it is hindering my credit and my ability to receive credit to buy another home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am on a donotcall registry and I have no debt and have great credit and I owe nobody. This is a voice generated message asking me to call them back to settle a debt, however they never ask for anyone specifically nor do they give their name or mention the debt owed. Their number is XXXX and the name " Receivablesperf '' comes up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Blackhawk Network Holdings Inc.
State: PA
Product: Prepaid card
Sub-product: Transit card
Issue: Fraud or scam

Complaint:
XXXX/XXXX/15 I was a victim of a IRS scam, some XXXX called me and I fall for it and purchased the prepaid cards XXXX it and them the numbers of the XXXX prepaid cards, an around two hours later I realized it was a scam so I called the number in the back of the cards, a CSR inform me the the money was on the cards and she ( XXXX ) was putting a stop on the cards. I was happy as thinking did n't loose my money and everything was fine just like she said, also she give me a ITS number of the claim and explain the it will take XXXX to XXXX business day to send me a check, I explain the situation and ask her if she was sure the sto payment was done because this was a time sensitive situation and she said yes. Week latter I called the company to seek the status of my claim and the inform me they only put a stop on XXXX cards and the XXXX of them were redeem, they only can return the money on those cards and the rest was lost because the cards area like cash, I did understand that but when I called them the money was there and they supposedly put a stop, if they would it told that the stop would take time, I could redeem the cards my self and get my money back but the make me believe that my money was save and I believe them because after searched their name it seem like a legitimate company. The are regulated by the federal government, and license from XXXX XXXX XXXX XXXX XXXX XXXX FDIC. I feel the this company is as guilty as the people how called me, or more because they deliberated did n't inform me of the time a stop would take, on the other hand the make me believe the money was save and everything was fine that I should just wait for my money to come in the mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-03
Company: 21ST MORTGAGE CORP.
State: UT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX vs 21st Mortgage UNFAIR BUSINESS PRACTICES ( Nevada ) Fraud Upon the Court - Foreclosing Foul 21st Mortgage, apparently a " foreclosure mill '' is now unethically FORECLOSING, XXXX XXXX 2016 STOP THEM! They received an application after agreeing to review it. They received it more than the seven days prior to foreclosure they told me on the phone. If they meant " business days '' they should have said business days. I would have no way to guess that information. They can not foreclose while an application is under review. 

Homeowner DETAILED ACCOUNT of experience with 21st Mortgage ( a bank/servicer or foreclosure mill I never choose to work with, but was forced upon me by the changing of hands without my knowledge ). Included is back up documentation OF nasty harassment, multiple bad faith dealings over seven years ( XXXX or XXXX banks - this will focus on 21st Mortgage ), intent to defraud consumer, fraudulent activities and failure to comply with their own work out offers. I will demonstrate my good faith efforts to comply in order to stop the foreclosure, years of efforts to avoid foreclosure on my otherwise perfect credit by either a principle reduction to the current value at the current interest rate, a short sale or a DIL. I will show PROOF of bad faith on the part of 21st Mortgage, PROOF that they make offers, force compliance, then when compliance is completed, walk away, delay and delay and simply set a new foreclosure date rather than complying with their own offer. Is this bad faith or intent to fraud? Why is XXXX in every XXXX Nevada homes in foreclosure? 

PLEASE SEE FULL COMPLAINT ATTACHMENT as this box has a minimum character count and my document is too long. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: LEXISNEXIS
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have repeatedly tried to obtain a copy of my XXXX report. Each attempt has resulted in some type of error online, or " unforeseen error '' in the voice response system, which is itself very difficult to use and sounds as if its XXXX years outdated. I have made at least a dozen attempts total. It seems as if the system is deliberately difficult to use and is almost always non-functional in an attempt to deter consumers from obtaining what is rightfully theirs to access per FACT act and FCRA. All other CRA 's have simple to use online interfaces allowing the consumer to access their reports immediately online. In the 21st century it is inexcusable that someone is forced to physically print and mail a piece of paper. This is a not very transparent effort on behalf of Lexis Nexis to deter consumer from easily obtaining reports and disputing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have contacted XXXX numerous times and the final time was X/XX/2017, about not being able to access my credit file. I was told that information was incorrect in my file and that i would need to send a copy of my Social Security card and Drivers licence. I have complained and called many times regarding not being able to access my information. The Customer service agent began to read out information that was totally incorrect in my file. I believe that the information contained in my credit profile is wrong and unauthorized. I asked to have unauthorized inquires and unknown addresses removed in a letter that was previously sent to XXXX. I never received a response regarding that letter.
This poor handling of my personal information has made it very hard for me to obtain credit and move forward with a positive quality of life.

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 2016-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, XXXX, Capital One cancelled my credit card without advance notice to me. I had a credit card with Capital One since XXXX. I paid my monthly invoices on time without fail. I did not have any balance amount due on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation