BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-06
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Hi, I need help ; we were given a XXXX neg. mort. Loan, XXXX XXXX XXXX bought the loan and sold to a trustee of Bank XXXX. We have been trying to get a modification since XXXX, in XXXX we retained lawyers and Bank XXXX still refused to modify us. On advice of lawyers we stopped our payments and consolidated our debt. Recently Shellpoint Servicing took over for Bank XXXX XXXX. We agreed to short sale our home, because Shellpoint would n't modify us either. We have a legal agreement with Shellpoint that we could short sale our home as long as we had an offer in my XXXX XXXX, XXXX. We had our property on the market for two months and gave Shellpoint the highest offer on XXXX XXXX, XXXX. Shellpoint just got back to us today XXXX demanding {$200000.00} more for the home. If Shellpoint does n't agree to this short sale, we will be foreclosed on and not be able to buy another home for up to 5 yrs. 
Is there anything you can do to assist us in pushing Shellpoint into doing the short sale? Short selling our home is better than foreclosing and we have been trying for 7 years to save our home. They did n't want to help us, so now they do n't want to short sale us and honor their agreement. We are with Shellpoint Mortgage Servicing, account number XXXX. The property address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX 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 2016-10-03
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CMI group failed to notify me of a supposed collection account placed on my credit report ( no mail sent to my current address and no phone call ). Furthermore, I disputed this information with XXXX, which failed to remove the collection. I contacted XXXX, which could not tell me anything more than CMI had verified the information, but no valid documents support this claim. I have not received any debt validation, nor did I receive noticed as required under the Fair Credit Reporting Act. Further, I did not receive any communication from the alleged original creditor, so I can not verify the information reported on my credit report. The information on my credit report reflects that the account was referred to collections XX/XX/XXXX ; however, the collection appeared on my credit report in XX/XX/XXXX - 5 years later! - with no notification. The information being reported in a name that does not match one previously given, nor does it match my social security card.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Williams & Fudge, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a credit alert that stated I have a account in collections from Williams and fudge company. I received no notification from this company or the college they are listing on my credit report. I have not received a bill, debt letter, notification of an account being sold to a debt collector anything. I had federal student aid which covered my courses while attending courses so I was not obligated to pay any out of pocket fees. I have not signed any contracts acknowledging this debit or taken responsibility because my first time even knowing about it was when it was posted to my credit file causing my score to drop. The debit collector and XXXX XXXX college has failed to provide me any proof or knowledge of this so called debit, they have failed to contact me by phone, email or us mail with any claims that I owe a debit. This debit was not verified and there is no contract with my signature. Under the FDCPA law I am requesting proof and some form of contractual obligation that is binding me to pay you this debit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My lender, New Penn Financial LLC / Shellpoint placed forced insurance coverage on my property improperly. I have maintained insurance coverage for my condo ( XXXX and exterior building policies ) for the duration of my ownership beginning in XXXX XXXX. 

The lender placed coverage on XXXX XXXX, XXXX for a period dating back to XX/XX/XXXX. I did not receive any formal notice of them placing coverage. Upon discovering the amount on my monthly statement of {$1100.00} as an escrow balance, I contacted them and provided sufficient information of coverage, which led to a partial refund. Over the past year I have tried several attempts to get them to refund the full amount for the coverage period they specified. I have been given various email addresses and fax numbers by various customer service representatives, and none of that has resulted in the full refund being issued. Again, I have sufficient coverage for the time period they reference and have submitted it to them several times to no avail. 

To summarize, they force placed coverage when I had existing coverage for a backdated period, did not request any proof of insurance from me prior to doing so, and did not provide any notice in writing that coverage would be placed. They have thus far refused to issue the rest of my refund. My latest attempt to resolve this issue was by phone on XXXX XXXX, XXXX in which a customer service representative assured me that she had spoken to an " insurance department member '' and they assured me that it would be refunded. When I asked for a specific name and title of the " insurance member '', for future reference which she refused to provide. The representative would only state that any member of the insurance department could help me in the future, and that it would in fact be refunded. 

I am strongly considering legal action at this point, and would very much like your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: General Credit Service Inc.
State: OR
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is XXXX judgements on my credit report which have been paid in full. This judgement was paid in full a little over a month ago and is still not showing the judgement released, but again the company itself is showing account paid in full. This is preventing me from obtaining a home loan and I have asked the companies personally to take care of this issue previously. I was told that I needed to dispute with on my credit report and I have done that twice now and the judgements are still not showing released. I have took the time and taken care of this debt and I would appreciate the companies compliance in regards to releasing the judgements on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX, XXXX Complaint against Capital One Bank On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX a person named XXXX from XXXX repeatedly called me numerous times from no reason. This person just want to harass me. He left several harassing voice mail which I did NOT answer. On XXXX XXXX, XXXX I answered this person regarding the stolen funds at Capital One bank since XXXX XXXX, XXXX and XXXX XXXX, XXXX by a theft XXXX XXXX. I clearly told this person named XXXX representing Capital One Bank to return my stolen funds including the following terms and conditions : Acct : # XXXX Date of lost funds : XXXX XXXX, XXXX & XXXX XXXX, XXXX Amount : {$79000.00} Interest Charge : 20 % based on the lost principle Late fee : {$100.00} per month Collection Cost : {$150.00} for XXXX times branch visit Time to Spend to Collect : XXXX hours at {$200.00} per hour Total {$2800.00} Pain & Suffering : XXXX I also complained to this person that my deposit was NOT safe at all. I further told him that I brought this theft matter to the US Court House and I will NOT let this theft matter go because I sent numerous times written complaints to this bank and visited at least XXXX times local branch to collect the stolen funds. However this bank totally ignore my request by stating " it is n't possible to resolve this matter through secured message channel ''. As customer, the correct channel is to contacting customer service by secured message plus I did file fraud claim with bank since XXXX XXXX. My position never change to collect this stolen funds as this bank can not release my money to a theft and stranger XXXX XXXX who was NEVER authorized on my behalf to do anything. Once again, I do NOT know XXXX XXXX. I never authorized her to do anything nor I hired her to do anything. Therefore she has NO any reason to steal funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Late fee

Complaint:
I have credit cards with Capitol One. I pay my payments sometimes on the day they are due. Often when I pay the payments on the agreed upon date, I STILL get changed a late fee due to me being on Pacific Standard Time and they being on Eastern Standard Time. I was told by Capitol One when I complained, '' Well we actually changed the time from XXXX EST to XXXX EST because we were getting so many complaints. '' HOW can they charge people a late fee when the payment is made before XXXX on the date it is due? This to me is extortion and should be illegal. If you run a national company you should be adapted to ALL the time zones..not the one your company happens to be headquartered in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 'm in the process of trying to get validation of an item on my credit report. I 've disputed this item with the collection agency along with credit bureau and no documentation was provided. I was never provided any documentation validating the debt ( signed application ). I have attached my documentation requesting proof/validation that I sent to them and have yet to receive. I 've attached all the communications I 've forward to the collection agency, and credit bureau. 

The item in question is the following : PORTFOLIO RECOVERYXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: The CMI Group, Inc.
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:
Credit Management LP is a fraudulent company operating in TX that attempts to collect on non-existent XXXX XXXX XXXX payments. I complained about this to the XXXX and Credit Management responded that they would cease all collection activity and request that all XXXX major credit bureaus remove any mentioned of their fraudulent claims. However, Credit Management LP has failed to follow up and each credit bureau report still displays a negative unpaid account balance. This continues to hurt my credit score. Frankly, I should not have to spend time reaching out to each credit bureau to correct this. Lastly, I have a {$0.00} balance with XXXX XXXX XXXX and have had a {$0.00} balance since I ended service with them over two years ago.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: United Acceptance Inc.
State: GA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector repeatedly reopens my account and claims I have excessive missed payments. 
The claims far go beyond my possession of their tangible property that was sold at auction subsequent to my repossession to them. 
The debt collector also has not given me any proof that it was sold for a lessor amount than the debt originally owed and I have proof of such sale intent letter. I only had the tangible property 6 weeks after contract was made and the tangible property was repossessed. 
I think this company is using unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My vehicle was re-possessed without ANY prior communication. 

My information with CapitalOne has been the same since the day my loan originated ; phone number, and email, my address changed a year ago but I made sure they had everything correct. I had fallen behind on payments but called and was told that because I am once again employed and can make extra payments I was " fine. " " Fine '' apparently means " just kidding, we 're coming for your car. " I received no phone calls, no emails, no letters prior to my car being taken. This is a direct violation of my consumer rights. Additionally, the repo company that took possession of my car ransacked my belongings as well as the interior of the vehicle, they made me sign a form saying everything was returned to me in good condition before I was allowed to see any of it or enter my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am not at all satisfied with a response from the bank that says I can expect to hear from them in 60 additional days. They have violated every regulation that pertains to my situation. What the law requires of the bank is 10 days or to give a provisional credit, which they did, however 10 days after that they stole my direct deposit from my employer. Having my money and did n't make good on checks presented whist in possession of my money. The law is clear and I will attach the correspondence I 've had with the bank. How can you allow them XXXX days. Should I hire an attorney? My open case number is.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Other

Complaint:
1. Company was made aware that my name should read XXXX as there are multiple XXXX 

2. Companies terms with no interest for XXXX months was not followed. I attempted to make payments multiple times via telephone and they were not processed. 

3. Company constantly calls phone numbers belonging to family members of mine harassing them despite the fact I never gave them their numbers or never authorized them to be contacted in any regards. 

4. Constant phone calls to me. They begin at all hours and do not stop throughout the day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Remitly, Inc.
State: MN
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I needed to send money to a person XXXX. I could not find a Swift Code to wire the money to her bank account. I submitted a request via XXXX an online service to transfer a substantial amount of money to this individual. Once they collected my credit card information and personal information, they called me and requested photo documentation of a passport or drivers license. I considered this suspicious and had to cancel my credit card. Now I have no card for 10 day and will have to change the number on any accounts I have for automatic withdrawal. Do not trust this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently made an inter-state move XXXX. A few weeks after I l moved into my new apartment, I received a letter requesting that I pay a balance to " Portfolio Recovery Associates '' for a credit owed on XXXX XXXX credit card. I have never had a XXXX XXXX XXXX, and the letter was addressed to somebody with my surname but the wrong first name. I ignored the issue figuring it was a scam. I just received the second letter from the same company, this time claiming to be owed a debt on XXXX XXXX Credit Card. I do own such a card but have no outstanding debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My complaint is regarding an opened XXXX XXXX credit card account. XX/XX/XXXX I have been unable to use the line of credit from XXXX XXXX credit card due to a restriction placed on my account XXXX. XX/XX/XXXX they refused my request to close the account since I am not allowed to use it, for which my request was denied. XX/XX/XXXX XXXX XXXX assessed a {$19.00} annual fee to my account. I refused to pay the fee being that the account is restricted, I can not utilize the line of credit, and they refuse to close the account. As a result, that have assessed several months of past-due fees and interested and reported my account delinquent to all XXXX credit bureaus for past few months. What actions can I take against XXXX XXXX to force them to close my account and correct the negative information on my credit file? Is what they are doing legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I received a notice from Capitol One that they were issuing me a new card and account because XXXX of the merchants I had dealt with had a security lapse. I have been trying to get the name of the merchant and they seem to be stonewalling me. Their chat line wo n't accept my valid input, their phone representatives ca n't seem to access the information and they refuse to email me the information, stating that a name is too sensitive. What can I do? This is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Convergent Resources, Inc.
State: MO
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:
Credit Report Inaccuracy : XXXX XXXX XXXX Dispute Letter XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Consumer Assistance XXXX XXXX XXXX, XXXX XXXX XXXX Re : Notice of Dispute to Pursuant to Section 611 of the Federal Fair Credit Reporting Act To Whom it May Concern : I recently obtained a copy of my consumer 's credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This is injurious to my consumer report and I request that you correct this information immediately. 
Please remove this account from my records it is inaccurate billing/contract information. Please remove from my files and your records and/ or show me proof of such debt accurately billed and belonging to me : Original Account : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX Collection Agency : Convergent XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Account Number : XXXX BBB Complaint ID # : XXXX My consumer report is extremely valuable to me, please be advised that willful non- compliance is a violation of the Federal Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation unless I am notified otherwise. Please provide me with an updated credit report. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The Capital One Branch at XXXX XXXX in XXXX XXXX engaged in negligent action by notifying me prematurely of funds availability on a check drawn on XXXX XXXX XXXX and issued by XXXX, XXXX XXXX Bank. I personally requested that the bank verify this check and time was taken by bank personnel explicitly for the purpose of funds verification. Later, it became very obvious that the check was not verified before deposit. Please note that the check was never signed by me because I was waiting for verification before signature. After the Agent verified the check she did not request signature or any information from me. This causes suspect of the banking Agent who returned to the counter and informed me that it was a good check to clear at midnight. I would never have signed this check and deposit it into my account without verification. The check did clear and the funds were in my account by XXXX XXXX with no hold or pending notice. I expected the check to clear. However, I wanted to take every precaution with a first check especially of this amount and from people I do n't know. After the Bank cleared the check I felt safe withdrawing the funds the following day to complete the secret shopping work. Therefore, I did my part well as I always do to protect myself and the Bank. Two days after the bank verified the check ir was charged back and I believe the Bank is totally responsible for the loss of these funds. Either they knew it was a bad check and deposited it anyway or they negligently did not verify it as I had requested leaving me in a very vulnerable place by making funds available to me with no backing. I filed a case with the Bank Claims center who reports that the bank has no obligation nor responsibility to me as its customer regarding the loss of these funds. ( see attached letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Also, not enough information to verify debt. This company was submitted this collection by XXXX in XXXX 2014, they are just now reporting. I have contacted all parties involved. CCS is giving me inaccurate information and will not provide me correct information in any form. I never knew I owed this amount and never have received any information until it showed on my credit report today. They show inaccurate coverage of vehicle for the insurance as well. I do n't believe they have any rights to this collection at all.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation