BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/21 I paid a single upfront premium at closing for our PMI of {$2800.00}. Since closing i have paid all mortgage payments on time. On XX/XX/21 I made a {$22000.00} payment towards my principle to so that our LTV was at 80 %. On XX/XX/21 I submitted a request to cancel our PMI and request a refund for a prorated amount of the prepaid PMI premiums. On XX/XX/21 I received a response to my request and that a PMI cancelation authorization form would be sent via mail. After waiting a few weeks, i reached out to Newrez 's customer support to inquire when i would receive this letter in the mail. I was first told that they would research and to call back in 5 business days. When i called again, i was told they would resend the letter and to call back in 5 days. After some additional attempts, on XX/XX/21 i was told that the PMI was canceled but that i was not entitled to a refund because the Mortgage Insurance Certificate labeled it as " Non-Refundable. '' After more research on the Homeowners Protection Act, i called again on XX/XX/21 to dispute their finding, and spoke with XXXX, and then XXXX telling them I never received a formal letter rejecting my cancelation request, or received the PMI cancelation authorization form mentioned in their initial email response. XXXX said that she would put it in for additional research and that they would send me a letter within 7-10 business days. On XX/XX/21 i still had not received a letter or other response from Newrez and called them. I spoke to supervisor XXXX XXXX and again expressed my frustration and that i believe that who ever is reviewing the request is not appropriately applying the Homeowner 's Protection Act and the return of the unearned premiums. I asked to speak to someone in that department but was told that was not possible but that she would try to connect with that department and explain what was happening. She also gave me her contact information. On XX/XX/21 i received an email from their loan servicing department stating that the cancelation note was an error in their system and that the MI Certificate was a single premium paid upfront for the life of the loan and with no refund option. And that even if the XXXX carrier allowed for the cancelation, that i would not be entitled to a refund. There was no option to respond to this email, and when i called the number provided to me by XXXX XXXX, i received a busy tone. Again I feel that they are not properly applying the Homeowners Protection Act when reviewing and evaluating my cancelation request. I am filing a complaint with the CFPB as i do not feel further attempts to communicate with NewRez 's customer service will achieve different results.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Credit Karma, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit karma told me I was pre approved for a home loan and ultimately I was denied and lost out on money and alot of time. I looked at multiple homes and chose a house. I paid for inspections on it and almost lost the place I was renting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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 disputed the account with XXXX XXXX XXXX XXXX XXXX Trans Union LLc and XXXX. Asking for original signature bearing documents of which have not been produced. XXXX XXXX XXXX XXXX isreporting this account without the proper siganature bearing docs and also the information is conflicting between the two agencies proving that this debt is invalid and being reported inaccurately.

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 2020-04-02
Company: Collection Bureau of the Hudson Valley, Inc.
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:
Collection Bureau of Hudson Valley is double reporting on my credit file with XXXX XXXX. This is erroneous and needs to be removed off my credit. This is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On discovery of a collection on my credit file, I wrote to LVNV to inquire about the validity of the debt. 

After several cycles of correspondence, I learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. Attached is a copy of the settlement proposal ( in which I offer to pay 100 % ) sent by certified mail on XX/XX/XXXX. I received an irrelevant response ( also attached ). 

According to the FDCPA, I am entitled to have my correspondence and attempts to address any debt issues reviewed and then receive a response. The response provided by LVNV is inappropriate, as it does not acknowledge my settlement proposal. I question whether or not my letter was even reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage provider, United Wholesale Mortgage, is withholding way too much from me in my escrow account. I 've called and written complaints to them and they 've ignored me each time and/or given me the runaround. Over the telephone they 've said they will fix the issue and I call back and get the runaround each time. Meanwhile, I 'm forced to pay money into an escrow account that has FAR more money than necessary to pay the required expenses. My next step is to file a class action complaint for RESPA violations -- their customers ' escrow account payments should be an easy math equation and these guys apparently ca n't get it right!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They are calling me saying I owe a debt and they are Chase Receivables and their web site is called chaserecievables.com. I have never had a account with Chase Bank. I have call Chase bank and they do n't know the phone number they have left for me to call. Chase bank has told me not to share any info with them. When I did call, because they call everyday, they wanted me to verify the address by giving where I lived. I ask them to give me the address the have and they would not do that saying it is illegal. I ask why they have not mail any info to me. they say they have. The biggest problem I have with this is the are calling my home phone. I never use this number for anything. Do n't even know it without having to look it up. I only use my cell phone and they have never call me on my cell phone. I feel this is a scam and want the phone call to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am seeking COVID-19 hardship forbearance as provided in the CARES Act. My servicer is TIAA Bank. To request a forbearance, they require you to print out and complete a form and fax or mail it to them. I completed the form and went to a XXXX XXXX to fax it, which I did on Monday, XX/XX/2020. I called TIAA Bank on Thursday, XX/XX/2020. The woman I spoke to said the missed payments would have to be paid in a lump sum in the month following the end of the forbearance period and that this was XXXX XXXX 's interpretation. She further said that, if you couldn't make the payment ( reflecting the sum total of all the previous months ' payments ), you would have to get a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This was already complained upon about a debt trying to be collected on for Capital one, in the amount of XXXX, called the company XXXX XXXX XXXX, they in fact did tell me it was included in the bankruptcy and not sold to them, her name was XXXX just spoke to her!! My account was NOT sold, was included in bankruptcy!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I sent a communication to Equifax to investigate inaccurate items on my consumer report. 

It has been over 30 days and I have not received any response from Equifax regarding the investigation. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In General. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The law plainly states that a failure to investigate these items within 30 days gives a reason to immediately delete those items or information from my consumer report. It has been over 30 days so they should be deleted promptly. 

Please see the attachment for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
For XXXX months I have been trying to access my OneWest on-line account to make a payment. I was locked out of the account and OneWest will not assist with helping to re-set the passwords! I 've called, and made requests in writing, to no avail. I 'm now sending payments based on my recollection of what past payments have been, and am unable to view the account to see if those payments are over or under the amount due. My last payment of {$800.00} was sent on XXXX XXXX, which should have been more than enough to cover what was due. On XXXX XXXX I see a XXXX days past due ' come up on my credit report!! Unacceptable and to my detriment because of their poor customer service. What is my recourse and how do I get this OFF my credit report??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 my Capital One account was restricted. When I noticed the issue I contacted Capital One to resolve it and was notified that the account was closed due to returned payment. Once I was notified of the error I corrected it and completed a payment right away for the balance of the account. I also contacted my bank on the issue and was told that payment was rejected as a security measure for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Early Warning Services, LLC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Upon an agreement to purchase a Mule ( equine animal ) Zelle was used through my XXXX XXXX XXXX XXXX mobile banking app to send XXXX XXXX then a request was made and another XXXX $ was put through ( listed below with all information ). Contacted originally on XXXX, and used XXXX XXXX to communicate with a XXXX XXXX. 


Payment details of XXXX $ transaction- To : XXXX XXXX From : My account Sent : Wednesday, XX/XX/2022 Deposited : Within minutes Payment ID : XXXX Payment details of XXXX $ transaction- To : XXXX ( XXXX XXXX ) From : My account Sent : XXXX, XX/XX/2022 Deposited : Within minutes Payment ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: CITIBANK, N.A.
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
When i Opened the account, I did not realize the account got zero rewards. So the account is essentially a dud and has zero benefits, unless i want to be late all the time and get the no late fee benefit. When i called customer service upon the account being about 4-6 months old, I was informed i needed to wait until it was 12 months, at which time i could convert over to a rewards card. 

I called customer service today and was told this was a lie, that i would have to go open up a brand new card, further lowering my credit score with both an inquiry and a new account opening. This new story is a polar opposite from what was previous given to me for information, and further online research shows other card members are able to convert there cards.

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 2020-10-06
Company: Experian Information Solutions 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:
WALLET WAS STOLEN AND FRAUDULENT ACCOUNTS WERE OPENED UNDER MY NAME.

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 2016-02-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My savings account went from {$42000.00} to XXXX in 60 days. I do n't know what happened. 
I went paperless with my bank statements about 6 months ago, and logging into my account, is usually a nightmare because of my password-for some reason, I ca n't remember it or WIFI is down and life happens and I end up not checking my statements. If I do need money from my savings, I always use my bank ATM or my mobile phone. All the unauthorized transfers come from a strange ATM, which my Bank additionally charged me banking fees for. Why would I use a strange ATM when I can do it for free on my phone? I usually transfer a large sum at once because I want to ultimately not spend this savings & invest for my future, however after a 5 year high conflict divorce with a XXXX criminal, I am very cash poor & have debts. The unauthorized transfers are done in slow, daily increments of $ XXXX {$1000.00}. I really think my bank should have contacted me to verify if there was fraud based on the irregular transfer activity. When I phoned to make the dispute, CHASE REP was very re-assuring. Then three days later a REP contacted me, in a very smug disposition, over the phone & denied my claim based on the fact I apparently checked my balance on my XXXX/XXXX/15. I may have, but this inquiry did not detail the transfers in question -- only my balance. All I do know is CHASE has had a data breach. I was also a victim of XXXX data breach. This is a high-tech cyber crime and my bank has provided no documentation on how they reached their decision despite my phone request for such evidence. The denied the claim by Monday after submitting my dispute on late Thursday. I think the only law my bank knows they have to abide by is resolving the dispute within 10-45 days. So they just deny and provide no evidence? I asked for additional dispute claim for the period after my " inquiry '' on XXXX. The Claims REP said it would be denied immediately. No evidence was ever provided to me, they did send me a letter, which was a joke! Chase is denying the claim dispute for transactions from XXXX, but fails to provide any written evidence for the full claim dispute despite my request for XXXX claim investigations to be fully documented on evidence once their decision was made. Please help me. I am wiped out. I was divorced after 15 years of marriage to a crook who stole our home 's equity by triple mortgaging it, he paid bills with credit cards and made our finances appear equal with debts/assets. He placed the house title in his name & took XXXX hidden mortgages out on the home. I learned this on my own while divorcing him. My savior was my grandmother who passed away two years ago & left me this money to help me stand on me feet again. Now I am probably going to be homeless within a year. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter Finance has never disclosed or provided any information regarding what portion of my payments are going towards the principle amount. Now that I have been temporarily laid off due to the COVID-19 crisis I reached out to Exeter to get some assistance with managing my payments and discovered that the last 7 payments were applied to interest only. I was never informed of this at any point. After spending 1 hour on the phone with them it was disclosed to me that I have a " simple interest loan '' and 100 % of my payment is going towards interest. The payoff on my car now is {$140.00} more than when I purchased it. It was also explained to me that they are unable to disclose the amount I pay towards the principal because interest is calculated on a " daily basis ''.

So, I have never received any details about any payments I have ever made. I have paid {$700.00} a month for 18 months and the principle on my loan has increased by {$140.00}. 

I am at a loss and hoping for some help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX XXXX XXXX XXXX XXXX and American Education Services ask for XXXX payment for multiple student loans. I missed a few payments in the past, but they reported to my collection agency that I missed a payment on every single government loan. If they ask for XXXX payment per month, it should only report to credit bureaus that you missed XXXX payment, not multiple. Though all of my students loans are paid to date, this is killing my credit score and preventing me from obtaining a mortgage. This has happened to thousands people and their credit scores and it needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-04-02
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 I, XXXX XXXX XXXX called UWM Mortgage on XX/XX/2020 at this number XXXX and asked them for possible Mortgage assistance because my significant other lost her employment due to the Corona 19 epidemic and I am the only one working in our house hold. The represent told me that they sold my loan as of today to XXXX XXXX because XXXX XXXX ask them to. I paid my mortgage on time all I asked them for was possible assistance with a possible deferment program, they said no and sold my loan to XXXX XXXX, She told me that the investor XXXX XXXX told her to dump my loan. I served my country Honorably and all I asked for was assistance to defer my Mortgage payment, but instead of helping me, they sold my loan during a epidemic to avoid possible financial losses. I am a XXXX XXXX, and work for the XXXX, please look into this matter, I feel I have been discriminated against because I asked for assistance during a world wide pandemic. This company XXXX XXXX has turned its back on me when I needed them the most.

Company response to consumer: Closed with explanation