BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-20
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Approximately XXXX or XXXX XXXX, I called Bonneville Collections to pay what I owed with them. I was attempting to get a mortgage and the debt needed to be paid. I asked them if I was paid with them and the operator responded that I was paid. I never heard from them again. 
Fast forward to XXXX XXXX, I called on a separate issue and was then told I owed a few hundred dollars from an account in XXXX! I was never told about this, never billed. Now they want interest paid when they never billed me and told me I did n't owe anything! 
Now they 've reported these accounts to the credit bureaus before responding to my dispute, before giving me a chance to rectify this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I had applied for a refi with XXXX XXXX through loan officer XXXX XXXX. He kept encouraging me not to pay my mortgage on time because we might close on the refi. This went on for 4 or 5 months and then I was told I was denied in a voice mail. He said I would receive a denial letter explaining everything. I have never received it. I notified him and I notified his supervisors on more than one occasion and I still have not received the denial letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 2016-03-04
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan was modified effective XXXX XXXX, XXXX while XXXX XXXX XXXX ( XXXX ) was servicing the loan. The new terms of the loan were : interest only payments at 5.25 % with a loan balance of {$280000.00}. There was no provision for escrow payments. The loan was transferred to Resurgent Mortgage on XXXX XXXX, XXXX and a few months later to Shellpoint Mortgage Servicing Company. When the loan was initially transferred to XXXX, the monthly payment amount was listed at {$2400.00}. I called and wrote to Resurgent to explain to them that their records from XXXX were incorrect. After nearly four months, Shellpoint replied and allegedly sent a loan history on XXXX XXXX, XXXX, but none was enclosed. My IRS form XXXX for year XXXX arrived in XXXX and the figures were obviously incorrect, showing approximately {$43000.00} paid in interest ( twelve payments of $ XXXX/month does not equate ). On XXXX XXXX, XXXX I wrote to Shellpoint -- via certified letter -- asking to correct XXXX and XXXX interest paid that was reported to IRS. XXXX did not reply. On XXXX XXXX, XXXX I sent another certified letter asking to correct the interest paid for XXXX and XXXX. During these times, I constantly called Shellpoint, only to leave messages that were not returned, by either letter or phone call. Finally, in XXXX, I actually was able to talk to XXXX at Shellpoint ; she said that I could not obtain any loan information because I was represented by an attorney and needed his permission. She advised that once I got " approval '' from my attorney, the loan documents would be dispatched. XXXX XXXX XXXX, XXXX. XXXX my attorney ) emailed XXXX on XXXX XXXX, XXXX stating that Shellpoint could provide any information I requested. I emailed/followed up on XXXX XXXX, XXXX with XXXX, again asking for this information. To date, I have not received a loan history. In the interim, Shellpoint shows my account with legal fees, late charges, miscellaneous fees, unapplied payments, etc. on their web site. There is no substantiation for such charges. I was told by XXXX that the official mailing address for payments was changing ; I requested this information via official letter, however, I have not received any notice as of this filing. Further, Shellpoint is not reporting my current loan status to the credit reporting. agencies. Recently, Shellpoint sent a revised IRS form XXXX for XXXX. Based on this revision, Shellpoint is clearly able to provide an accurate loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing this letter regarding my mortgage loan I have had since XXXX, XXXX for my house. My involvement with the Loss Mitigation Department of Shellpoint Mortgage Services began in early XXXX XXXX. 

I had an unexpected downturn in my business in XXXX XXXX, which resulted in a significant loss of income and my inability to make my mortgage payment. I immediately contacted XXXX XXXX XXXX Mortgage customer service department to learn about the options available. I received a detailed package in the mail to initiate the loan mitigation process. Meanwhile my mortgage was transferred to ShellPoint Mortgage Services. 

I have submitted all required documents to ShellPoint Mortgage Services numerous times from XXXX, XXXX to XXXX, XXXX. When I call to check the status of my packet, I am forced to leave a voicemail. On occasion I have had the opportunity to speak to an agent, who indicates the packet had not been sent to the loan processor yet and to call back, or the packet is with the loan processor and they will call me. After repeated attempts and requests the progress remains null. 

At this point in the process it is clear that Shellpoint Mortgage Services Loss Mitigation Department is engaged in a pattern and practice, which is certainly unsupportive. I have complied with all the requests from Shellpoint Mortgage Services, however, it appears the overriding goal of the Loss Mitigation Department is to force my loan into foreclosure and take my property from me. 
I have been making payments, but remain behind and I have difficulty maintaing the payments at this point and need assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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: Investigation took more than 30 days

Complaint:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Good day! 

I received your information through the FTC and also the XXXX  XXXX  XXXX  service authorized by the Federal Government. 

In short, I've been plagued by a series of constant errors by the credit agencies which after researching and jumping around in hoops, is clearly the result of either : A ) Institutional bias against minority groups and denying people access to credit ; or B ) Malpractices internally at these organizations I would like to formally request a review and possible indictment of the leaders of these organizations to ensure that we are not jeopardizing working families and people trying to survive as well as grow the US Economy. 

I have evidence that I would like to submit privately or on a separate channel. 

Thank you and be safe! XXXX bless!

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 2016-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife made a purchase at Kohls in XXXX. Indiana on XXXX in the amount of {$53.00} using Kohls credit card Received a statement from Kohls in XXXX 2015 with a balance of {$53.00} Paid with a check to Kohls Payment Center on XXXX Check # XXXX from XXXX, XXXX. 

A bank statement fro XXXX XX/XX/XXXX showed ; '' Electronic Check XXXX CAPITAL ONE ARC ( CHECK PYMT ) XXXX '' Since that time we have received threatening phone calls up to three times every day at dinner times and at bed times that we owe Kohls money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-28
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Have called the negotiator and manager assigned to the loan XXXX times total, XXXX voicemails left for the negotiator and XXXX voicemails left for the manager and have not received a call back. 

This started XXXX XXXX 2015 and I still have only spoken to the manager XXXX XXXX once since then on XXXX/XXXX/15. I have left XXXX voicemails for the manager XXXX XXXX since then and still have not received a call back, it 's complete negligence. 

The other problem and the reason why I 'm trying to reach the manager in the first place is Shell Point did an appraisal on the property at {$280000.00}. Our short sale offer is at {$280000.00}. It is a HAFA short sale which requires {$12000.00} to go to the second and {$10000.00} relocation assistance to go to the seller. They told us that the offer would have to be at {$290000.00} or we 'd have to negotiate the second down to {$2000.00}. This is against HAFA guidelines and the lender is " bending the rules '' to gain a higher net to their balance. 

We need this looked into and resolved, unfortunately all the CFPB has done for us in the past is reach out to management at the lender and take their word as bond and kick it back to us but I figured it 's worth a try to see if the CFPB will do something for once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have documented confirmation that my mortgage payment was mailed from my bank, XXXX XXXX XXXX, on XX/XX/XXXX. My mortgage payment was due to be received by Shellpoint Mortgage by XXXX. XXXX XXXX sent me documented proof that Shellpoint cashed the check for my payment on XX/XX/XXXX. I forwarded this documented proof to Shellpoint Mortgage on XX/XX/XXXX. I have not been able to call or speak to the department that handles payment disputes because Shellpoint refuses to direct my contact to that department. I have been repeatedly told that the payment disputes department will only communicate with me via mail or email regarding their research of my payment dispute. As of today, XXXX XXXX, I am continuing to receive notices of our delinquency on our mortgage. We have never missed a mortgage payment or been late on a mortgage payment since we purchased our home in XX/XX/XXXX. In addition, Shellpoint Mortgage changed their payment address in XX/XX/XXXX. We believe this is a contributing factor in their inability to properly identify and credit our payment. As a faithfully paying customer for nearly 20 years, we are extremely frustrated by this lack of competence, compassion, and understanding. We have invested countless hours attempting to resolve this issue with Shellpoint mortgage only to be told time and again that we are unable to speak directly with anyone who can help resolve our issue, and those denials are followed by repeated receipt of late payment notices.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I lodged a complaint with the CFPB against this firm two months ago. I have also challenged this tradeline with the XXXX credit bureaus since XX/XX/2015. This firm has not resolved my complaint with the CFPB, yet they continue to report this tradeline to the credit bureaus. They know that they do not possess proper documentation for this account and are thumbing their nose at laws intended to protect consumers. Please force them to delete the offending tradeline until adequate, legitimate validation is proved. The original complaint is below : JH Portfolio Debt Equities is reporting bad debts to XXXX and XXXX without providing verification of debt in violation of the FCRA & FDCPA. JH Portfolio Debt Equities must verify said debts with full account statements supporting amounts claimed, including manner and date of last payment, manner and date of last purchase and calculation of amounts claimed including interest calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed Portfolio Recovery with all three credit bureaus. There are two accounts in the amount of {$680.00} and {$430.00}. Neither one of these accounts belong to me. I sent in letters as well as entered disputes online asking for this to be removed from my credit. This false information is causing issues in the advancement of my life due to defamation of myself and my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Enhanced recovery Has put a debt back on my credit report after Settling XX/XX/XXXX. For a debt that was NOT mine. I have attached the settlement letter for {$1500.00} They are also calling me on my cell after stating to them I have settled and I am on the DO NOT CALL list. The lady on the other line stated that NO such list exist. 

Also not only are they trying to collect a debt that has been settled it is also NOT reflecting that it is dispute on credit report This is reporting on XXXX & XXXX. Would like this item removed IMMED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-17
Company: SYNCHRONY FINANCIAL
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Sam 's Club Credit does not provide a reasonable electronic statement that reflects all of the information provided on a paper statement. When enrolled in electronic statements this is information that is no longer available unless it is requested from customer service ; a paper statement is then generated and mailed to the address on file. Most banking and credit institutions provide a way to view electronic representations of the exact statement that would be mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Dear XXXX. We have wrote three times to these people. All we ask is a accounting of what was purchased as we had payed Jc Penney Off.Then two years later they say we owe XXXX XXXX I have requested an itemized account. They will not supply XXXX. We do not owe a dime. Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: SYNCHRONY FINANCIAL
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Receiving excessive calls from automated caller to collect debt. Have received 4 calls so far today.

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 2015-12-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have a walmart Credit Card. In XXXX I noticed online fraud charges. I contacted walmart and told them about it. They told me they would be closing my account and reissuing a card. Before that though I sent a payment in total of XXXX dollars to cover my monthly minimum seeing as i did not know when new card would come at the suggestion of rep. I finally get new card activate it today and see that walmart is claiming i didnt pay XXXX minimum. which they combined with XXXX and XXXX late charges. They are trying to charge me XXXX dollars when rep suggested I make the payment on the day I did. I called them and asked them to listen to recorded call and they refused to help with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This was originally taken off the credit reports after being disputed. They decided to put the debt back on the credit report and now are falsely stating that the first major deliquency was from XX/XX/XXXX when the card in fact is from XX/XX/XXXX-XX/XX/XXXX. They are making the card and charge off look newer than it actually is. The original creditor is still on my report with the correct date. They are trying to sabatoge my credit report and even when disputed will not update with accurate information.

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 2016-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
In 2011, I received a refund from XXXX for unsatisfactory services to my credit card. When the refund was placed back to my account ending in XXXX, Capital One charged me back for the money. I would like the money returned to me, as I won my dispute with XXXX and am entitled to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX/XXXX/16 my XXXX credit report showed that there were a Capital One and a XXXX bank hard inquiries. I called both banks and they both reported not to have any information on the matter. On XXXX/XXXX/16 XXXX reported again that Capital One had another hard inquiry for trying to open an account. I called capital one and they reported that as a matter of fact someone tried to open an account with Capital One. The representative said she closed the account that was opened on my behalf and report it as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Other

Complaint:
Capital One is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?

Company response to consumer: Closed with non-monetary relief