BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our Mortgage loan started with Country wide, and got sold to XXXX XXXX XXXX, then resurgent which then got sold to Shellpoint Mortgage Servicing. My husband got laid off for 7 months, and we were falling behind. This was a year ago mind you. Every time we sent the documents they claimed they did not have enough information and documents, which was a straight out lie! We would re-submit the files, and by the time they processed the information it was already expired! this is a clever way to collect illegal fees, and make you fall behind even more so they can foreclosure on your home. We were only three monthe behind when this started, and were ready to pay at that point a year ago, but our Account Manager advised us not to pay because it was in review anyways. Any time we tried to make payments online, it would not allow us to pay. To this date we are still playing this game, and have no idea what to do? We do not want to lose our home, and are willing to work with them arranging some type of loan modification, but they keep saying that they ca n't help us because we did not send the information they needed, which is a flat out lie! We have proof from emails sent back and forth with their company. countless phone calls to get a voicemail, and no answer..they claim they do n't have to leave a message. Now our fees they have added has grown to a rediculous amount that we ca n't pay..of course. They want us to lose our house! Please help us keep our home, and get us on the right track with a proper loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Huntington Bank says they are still working on this and are not. I was told because their teller didn't look into the notes which is their job and they allowed him to cash it it is out of their hands. I was advises that I could sue Huntington for that. I can't afford lawyers fees to do that and it looks like I'm not getting the money back either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-27
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i was contactedv by XXXX saying i was overpayed. I know for fact my kids mother was handling allm the XXXX and XXXX stuff. In would of never accepted moneyb whichn in did not deserve. I am convinvced either my kids mom got and spent the moneyb or there was a error om your side,. Account # XXXX food stamp.oRIGINALLY I AGRREED YOM PAY THIS MISTAKE NBACK FROM MY S.S.I BUT AFTER THOUGHTS I CANT HELP BUT XXXX IN DID NOT RECEIVE THIS MONEY. PLEASE HELP XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Water came into my kitchen from a broken pipe at XXXX XXXX XXXX XXXX. XXXX, GA XXXX. I share a wall with this townhouse. The address is a foreclosure and XXXX XXXX XXXX is the mortgage holder now. I have been fighting this issue since XXXX 2015. My only contact at XXXX XXXX is XXXX. She has at times been friendly, sometimes hostile but never comes through with a solution. I feel as though I am being ignored. I do n't know if I have mold growing under my linoleum or in the wall. The water continued to come in for a month because there was no way to enter the house and everyone I contacted blamed it on someone else. I hired a plumber who told me it was coming from # XXXX. He could reach into a broken section of their garage and could feel the standing water. Finally the original mortgage company, XXXX XXXX, sent out XXXX men who entered the house and fixed the pipe. On XXXX/XXXX/15 an inspector was at # XXXX. He would not tell me who sent him, but only said they wanted to know what the lady next door ( me ) was complaining about. He said there was a leak in every room and possibly black mold in the sunroom. The roof at # XXXX has been soft for years. The hole in the roof over the sunroom has been there for more than 6 years.

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 2022-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
previously disputed capital one revolving account with a balance of {$670.00} reporting payment status of charge off. I have asked multiple times to verify account stating my signature on it and verifying this debt is mine. I have not received anything.l have been contacted by a fraudulent collection companys in the past for unsustained debts for that reason its that I am asking for full verification of account as I do not recall having this account open. date less active is reporting XXXX XX/XX/XXXX by XXXX XXXX and XXXX while XXXX is reporting XX/XX/XXXX. payment history is reporting consecutive charge off as if it was some sort of payment method by XXXX. From what I have understood there is no way that you can report payments on a dead account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Wells Fargo cancelled my debit card and I did n't know and never received a replacement card. I found out when I was at a gas station fifteen minutes from my house because my card would n't get approved. I called in to Wells Fargo and they said there was nothing they could do and told me to go to a physical location to get a temporary card ( which I could n't do because I had no fuel ). Because of their actions I missed a meeting with a very important client who might not do business with me now. I also had my screaming XXXX stuck at this gas station unable to leave or get her anything.

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 2016-11-22
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I was interested in refinancing my existing XXXX Mortgage and I reached out to New Penn Financial ( XXXX ) starting in XXXX of 2016. Everything was approved and ready to close but on XX/XX/2016 I decided that I no longer wanted to move forward with the loan/closing. I informed XXXX of New Penn Financial on XX/XX/2016 via email. XXXX quickly reached out to my via phone in an attempt to convince me to continue working with New Penn and close out the refinance with them. New Penn has ignored multiple requests from my new refinancing company " XXXX '' to transfer my FHA case number to allow them to lock in my refinancing rate with them. I saw this as a deliberate attempt by New Penn Financial to block me from being able to shop my refinancing options with other Mortgage Companies. Because of New Penn Financials unethical behavior my original estimated Mortgage interest rate increased from 3.37 % which is now costing me more money. New Penn Financial continues to call me 19 days later stating that they need me to telll them who to transfer the FHA case number too. This does not make any sense to me because I know that XXXX provided all the necessary to New Penn to transfer the FHA case number. All of this will now end up cost me thousands of dollars. This type of behavior should not be allowed because it cause consumers a lot of unnecessary stress. As I 'm submitting this compliant XXXX of New Penn Financial continues to reach out to me regarding the loan that I requested him to stop working on 19 days ago. XXXX emailed me on XX/XX/XXXX stating " I see you made your XXXX payment. We can still do the loan for you and close in XXXX '', again after I informed him on XX/XX/XXXX that I decided not too move forward with New Penn. This sounds like New Penn continues to work my loan and pulling my credit report, which is going to show as additional inquiries. I 've informed New Penn Financial thatI plan on working with another institution so why are they continuing to utilize my information? 

XXXX, NMLS # XXXX New Penn Financial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I have had this card since XXXX 2016, I 've paid the annual fee, called XXXX and the bank several time, filed a CFPB complaint, and spoken with the office of the presidents of the bank. My card HAS NOT BEEN LINKED TO XXXX ... I have a useless card that I paid the XXXX on and I ca n't use one benefit .... I 'm not asking for anything other then to please just link my card, issue me a new account if you have to ...

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 2016-10-27
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card
Issue: Transaction issue

Complaint:
On XX/XX/2016, I made a normal purchase on XXXX with my credit card as I have hundreds of times over the years. However, this time there was a problem with the way the charge was processed. With no warning or explanation to me, the purchase was processed as a cash advance, resulting in transaction fees and immediate interest charges, at a rate of 25.49 %. I first suspected the seller but had no immediate way of contacting him. So I called Barclay Bank customer service who told me that yes indeed, the seller was responsible for this. I went back into XXXX to cancel the purchase and again called Barclay to make sure that it was canceled. The rep informed me that everything was OK. The merchant had changed their " code '' and the transaction went through as a normal charge. There was no 'cash advance ' processed, no fees, no interest charges ; and yes, I would receive my miles. Today I noticed the seller had responded in an email saying that they did not process the purchase as a cash advance. XXXX was responsible. Curious, I went into my Barclay account online and saw that there was a indeed a 'cash advance ' processed with all the related fees and charges. I called them again only to be told that the conversation I had with a Barclay rep informing me that the transaction had gone through as a normal charge, had never happened. They claim to have no record of any such conversation. So, I called XXXX, who informed me that they had processed the purchase as a normal credit transaction ; and went on to say that only the card issuing bank had the option to process it as a 'cash advance '. Now because of the delay caused by the " no cash advance '' discussion, Barclay claims that I am forced to accept the purchase ( or return it at my expense if it ever arrives ) and I must pay all related bank fees. As the Barclay rep said before I hung up on her, " There is absolutely nothing we can do about this ... ''

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 2016-07-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had an account with PAYPAL MC since XXXX XXXX, 2014. However, I my balance and history got transferred to Synchrony Paypal MC which is the same thing and history but in my CREDIT REPORT its showing as a new account in which it effects my credit. It now showing as a NEW ACCOUNT but its not a new account because my history and balance is the same. 

I AM REQUESTING THAT THE CREDIT CARD REPORTS TO XXXX AND XXXX THAT THE ACCOUNT WAS OPENED ON XXXX XXXX, 2014.

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 2016-05-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been in contact with company for over a year now regarding the debt they are trying to collect. I did not make the purchase they are stating I made so I am asking for some sort of itemized bill in which they have not given me. I have been asking every month when they send the collection notice and we are going in circles. I have received the exact same statement showing a balance. This issue is negatively impacting my credit and as you can see I have never paid a single bill late and this is reflecting poorly on me. Every time I speak to someone they are dismissive and just yes me and nothing gets done about my issue. As well the debt was first being collected by Synchrony Bank then was transferred to XXXX 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
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There is an alleged debt of a child support reporting on EQUIFAX and they have failed to substantiate the claim and EQUIFAX has failed to provide me with the promissory note contract EQUIFAX is in violation of credit reporting privacy laws and EQUIFAX has failed to mail me such contract if no contract exist supporting the child support debt EQUIFAX by law have to delete the negative child support report from the credit file immediately EQUIFAX has failed to accurately investigate the child support debt therefore they are in dishonored and have dishonored me and the child support debt have to to be deleted immediately and I demand EQUIFAX to send me the deleted child support remark from the credit report.!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: MI
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 XXXX account # XXXX XXXX  account # XXXX XXXX XXXX # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXccount # XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX 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 explanation
Consumer complaint received 2021-09-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I filed Complaint ID XXXX on XX/XX/2021 against Wells Fargo Bank XXXX I received a response from CFPB on XX/XX/2021 advising that my complaint had been closed because Wells Fargo Bank has responded. Wells Fargo 's response was that they could not help me and there was nothing more they could do. This is unacceptable and I want a further investigation into the crime that Wells Fargo has committed. On XXXX  XX/XX/2021 I wired {$81000.00} to a Wells Fargo account number. I had included a beneficiary and memo. The beneficiary on the account DID NOT match the beneficiary on my wire transfer. On XXXX  XX/XX/2021, I confirmed with Wells Fargo that my money was received and was placed on hold. I was advised on that call that I would be getting the money back. I was advised that because my money was put on hold that it would be transferred back to my bank, XXXX XXXX. I still have not had my money returned and Wells Fargo has provided me with this information : The account that I sent money to was flagged for fraudulent behavior and their relationship with the customer was terminated. Wells Fargo used the {$81000.00} that I wired into this account to indemnify another customer that was scammed by this account. Wells Fargo committed a crime of conversion by taking the {$81000.00} that could be traced back to me to send to another customer. I would like CFPB to look further into this before just closing the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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 previously disputed Kohls/capital one on XX/XX/22 asking for full validation on this account letter was sent out certified and returned labeled. I have been fraudulently contacted by collection companies in the past for unsubstantiated debts. For this reason its that i was asking for full validation as i do not recall having account open. I never got a reply form bureaus nor original company but i did get my returned labeled signed by bureaus. So, I know they got my letter. But, still dont understand why they have ignored me! I ended up writing a second letter on XX/XX/22 as a 30 day no response still up to this date i have not received any documentation. I have not been notified account investigation has began and dates on credit report have updated this is not acceptable. Account is stating dispute was under investigation now resolved by XXXX XXXX XXXX I strongly disagree as i have not been notified nor have i received any documentation verifying debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card
Issue: Other fee

Complaint:
Amazon offered a store card issued by Synchronycredit.com, which I signed up for. 
During an Amazon checkout, I was offered a " deffered interest '' promotion using the Synchronycredit.com card on an item that cost {$160.00}. The terms were that if you paid the balance by the end of the promotion you would be charged no interest. I called Synchronycredit to confirm that payments made in the meantime would go toward interest-bearing purchases first. They confirmed this. I then received a bill showing that I was charged interest, which was then rounded up to a " minimum interest fee. '' I called Synchrony and was told that my payment was " split '' between deferred and non-deferred balances, and that in the " first two months '' that would happen. I went to the website and found the card terms that explicitly state my payments should go toward the non-deferred items first, and that this would only change in the *last two* months of the deferred balance period. Synchrony agreed to reverse the interest charges, but they never fully explained why this happened. If they did this to me, they are probably doing it to other customers ; and if they did this to me once, I ca n't trust they wo n't do it again. If I cancel the card, it looks bad on my credit to have a briefly opened account. I feel stuck with a company that is behaving fraudulently right off the bat. They are scamming people out of " minimum interest '' fees when those fees should not be charged according to language in their own card terms. Here is their exact language regarding this ( my promotional balance expires in XXXX, so we 're nowhere near the last two months ) : Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed this account several times within the last 6 months. It is not mine. Transunion keeps saying the account was verified and updated. However, it has not been properly verified accpording to FCRA law. In the last 6 months, no documentation or contract signed by me has been sent from this company. According to law when the company can not provide documentation within 30 days, the account supposed to be deleted. Transunion has faild to comply by law which is forcing me to pursue action according to law. 

XXXX Acct # XXXX Unverified Account

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 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife 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 non-monetary relief