BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Shellpoint in XX/XX/XXXX. I was assigned a point of contact, XXXX XXXX on XXXX. I reached out to her multiple times and did not receive a response. I sent a general email and received an email from XXXX XXXX, my new point of contact XXXX. I spoke with XXXX on XXXX. She offered me a deferment which I accepted. She told me that my past 22 past payments would be added to the end of the loan. She also gave me my new monthly mortgage payment amount. I was to receive the paperwork in the mail to sign and return. I never received the paperwork and as XXXX XXXX, XXXX approached I did not know what to do. I reached out to XXXX by email on XXXX. Her response on XXXX was that the paperwork was sent out and since it was not returned by XX/XX/XXXX it would have to be re- generated with new dates. Again, I have emailed and called her with no additional response. Please note, she emailed me at XXXX, I emailed he back immediately at XXXX. She has yet to respond. This company is purposely stalling me and this process. This is an attempt to take my home. I can never reach anyone by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
I placed an order for a hoverboard for my son on XX/XX/XXXX. When I received the confirmation email from XXXX, it did n't look quite right. So I searched them, and found them to not be a reliable company that charges but does n't ship the merchandise. I immediately, called Chase and told them not to authorize the charge and why. Two days later, they let the charge go through. After numerous emails with XXXX, I finally received an email XX/XX/XXXX from XXXX, that they were refunding my account. I waited and still did not receive it. I contacted Chase to file a dispute. They have continued to give me the run around. I sent them all emails, documents and they said they did n't see anything to dispute. 
I was charged {$260.00} for a hoverboard that I did not receive. To me that is problem. Chase has continued to ignore and not investigate my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-02-19
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to work with the mortgage company Mr. Cooper since XX/XX/2019. We are in pending foreclosure. They have not accepted a payment from us since then. We have tried working with them and XXXX XXXX We were still working with Mr Cooper waiting for a decision from XXXX XXXX when the papers were filed for the foreclosure. I feel they didnt really want to work with us and would rather have our family lose our home to foreclosure. We have half the amount due but its climbing daily now because of the lawyer fees being added everyday. They claim the are passing by twice a day here as there are two inspection fees daily. I see there are lots of complaints about this company when you XXXX their name. Can someone please help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I went to Bank of America to deposit my promissory note to obtain a mortgage to buy home. The documents I submitted was carefully planned and written with all of the UCC codes and local laws pertaining to the promissory note being a negotiable instrument and legal tender. The document was also notarized. After waiting some time in the bank for a response from the legal department to my request for a mortgage through my promissory note, I was informed that they could not accept my promissory note because it was not a valid legal tender. I would like to have this matter investigated so that I may know the truth as to the validity of Bank of America 's claime. I look forward to hearing from you and thank you so much for your help.

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 2020-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
on XX/XX/XXXX i tried paying the XXXX XXXX XXXX XXXX   {$300.00} via her website i tried 3 times but kept getting an error message, i tried calling bank of america, the toll free number on the card seemed to be closed, i called the following day and spoke with an agent and was told this sometimes happens, they could see the rejected payment attempts, i was told i would receive another card in the mail, in XX/XX/XXXX i tried using the card, but was unsuccessful, i called to check via the automated system and was told the balance was {$0.00}, i called the bank america service # and was told there was an error and would be sent a new card, i waited several weeks and did not receive a new card so i callled bank of america again, i was told they wont be sending a card, they never said they were going to, they also lied and said there was no record of me ever trying to pay the XXXX XXXXXXXX XXXX XXXX, the card has XXXX XXXX on the front XXXX XXXX XXXX XXXX exp XX/XX/XXXX ccv XXXX, they are liars and cheats and are trying to steal my money

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 2020-11-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2020 I tried to pay off the high interest balance on a card issued by Syncrony Bank. I was told that any thing over the regular payment will be applied to this balance. I made my regular payment and a couple days later paid another {$100.00} to pay off the high interest balance and what's left to apply to special promotional balance. We talked on the phone to make this arrangement. Then in XXXX, again in XXXX, in XXXX, XXXX and XXXX I have had this same conversation. Every time they tell me this is fixed. Every month the statement proves it is not. It is now XXXX. It is still on my statement. 

I need help getting this done. Please help me pay off the high interest portion of my bill.

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 2022-08-30
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act US BKPT XXXX FL XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-30
Company: EQUIFAX, INC.
State: OH
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-08-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, My name is XXXX XXXX and I am writing this letter to explain to you the series of unfortunate events, which caused me to fall behind on my mortgage. My husband and I went through a difficult XXXX and as time passed he was only able to contribute a small amount. Later on, he XXXX XXXX and was not able to contribute at all. At the same time, my daughter XXXX XXXX XXXX was going through her XXXX XXXX  XXXX, and was not able to work and therefore was not able to help me either. Thankfully, my financial situation has gotten better now and I feel a loan modification would help me get back to current and would help me keep my home. I have my mother living with me and my XXXX children and I would like to keep my home. Unfortunately, it 's been XXXX years I have applied for a loan modification with my lender, Select Portfolio Servicing and I keep getting denied for a Loan Modification every time. I feel a part of the denial is because I am of XXXX Descent, because the staff is very rude each time I 've worked with them. Select Portfolio Servicing advised me, the reason for denial is because they could not create an affordable payment. I do n't understand how this is possible if my interest rate is at a 9.69 % right now and I 'm sure they can accommodate my loan if my interest rate drops drastically. In the last couple of months, SPS has offered me a repayment plan with 12 monthly payments at {$2300.00} and a XXXX balloon payment of {$87000.00}. I have appealed this decision and have told SPS many times that this is unrealistic and I can not afford the repayment plan. My usual mortgage payment is {$1100.00} and even if this payment increased a little bit, I can still afford it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit card bill was due in XX/XX/XXXX. I made the paid at XXXX on that day. OnXX/XX/XXXX I got a alert on my credit report stating that I was over the limit with my credit card. I was told in the past from first Progress as long as I make the payment by XXXX on due date there will not be a late fee. Which I did. This is a secured credit card and it 's really sad that they are taking advantage of me. It 's my money and even if I follow the guide I 'm still being held responsible. I have a copy of The payment made with XXXX apparently it 's a 3rd party company that excepts there payments. Which is still not my problem. They should not allow a system that they allow to except there payments make the customer late. Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liabilit

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 2018-05-06
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It shows that i am 120 delinquent on my payment but im not. I am up to date so i would like it to change on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Kashia Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I signed up for a {$500.00} payday loan which I just finished paying off. I didn't realize that the interest rate was over 700 % I made 20 payments of {$160.00} which paid back the loan but then I realized that I paid {$2700.00} in interest. 

I would like everyone to know about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I went for XXXX XXXX that I have done every 6 months to manage XXXX XXXX at XXXXXXXX XXXX  in XXXX, NJ within XXXX XXXX XXXX. XXXX XXXXXXXX XXXX in XXXX, NJ is In Network within my XXXX XXXX XXXX XXXX plan. 

XXXX XXXX processed the bill for that XXXX XXXX as if it was done out of state. Therefore, I was billed as if it was out of network for the full amount of {$290.00}. I contacted XXXX XXXX XXXX XXXX XXXX XXXX regarding. They were very helpful and tried to process the bill again. XXXX wouldn't change the charges even though XXXX, XXXX XXXX XXXX, & I each completed a form to dispute the charges. 

That is when I paid {$30.00} online to XXXX so there was activity to prevent it going to collections. After that XXXX, XXXX & myself continued to dispute the charge with XXXX for a few months. They would not budge and that is when XXXX sent it to collections. 

When I received that bill from collections in XX/XX/XXXX I paid it immediately because I had no other choice & I didn't want it to effect my credit. {$290.00} for routine XXXX XXXX!!

Now I was applying for a mortgage and see that it did in fact effect my credit score a lot! That is not fair to a person who did all of the right things. 

I disputed the collections account on my credit to be removed or show that it is closed and in good standing, but they have not agreed to do that either. 

Contacting CFPB is my last attempt to have this situation corrected considering I was never at fault for not paying. I'm just tired of the medical insurance companies taking advantage of us! Because of them I had to pay {$290.00} for routine XXXX XXXX that was done in network. 

I hope CFPB can help me remove this incorrect rating on my credit with all 3 bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The Creditor may not treat a payment on an account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
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 was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts which 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, USAA SVG BK XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sent out multiple disputes never acknowledge my issues that I addressed by letters. 
XX/XX/XXXX and XX/XX/XXXX and XX/XX/11 this letters were not taking into consideration. I feel like my issues are being neglected on the behalf of the credit bureaus. 
XXXX XXXXXXXX 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 this accounts are showing inaccurate with the incorrect date, and also not entered in the dispute status

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 2022-08-30
Company: DISCOVER BANK
State: AZ
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 was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

If you claim this account is100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, DISCOVERBANK XXXX Date Opened : XX/XX/2006 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been given a forgiveness for loans due to lifetime XXXX. All documents submitted, some credit company reflects close but showing 120 days late delinquent, all three credit companies don't match. Filed disputes directly each reported agency and with us treasury. This is 2nd time in 6 years they suddenly reappear on my reportXX/XX/XXXXthey all posted again I dropped XXXX points one night. Now they are one by one fixing them as not due but not removing derogatory late payment remarks. Also loans were taken out under previous name XXXX XXXX XXXX. Legal name as of XX/XX/2018 is XXXX XXXX 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 explanation