BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: Shellpoint Partners, LLC
State: NJ
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
ShellPoint Mortgage Servicing Company is not replying or reissuing a second lien release that they said would be edited for aproperty sell to happen. They were advised regarding and said they would forward to investors to have edits done, so, we could move to close. This was inXXXX. 2015. We had to cancel closing the day before ( twice this has happened because of them ) It took over two months to get this lien release in the firstplace. The seller attorneys office has contacted Shellpoint on numerous occasions to get status updates or timeline for new letter. They have failed toprovide any information. This is bad business practice on # Shellpoints part. # Shellpoint is not practicing good consumer business or relations. They are notworking to try and ensure they get any money or that both groups receive some level of compensation versus zero if foreclosure happens. # Shellpoint ispurposely prolonging this process and has negatively impacted this situation that could help both XXXX lien holder and allow XXXX lien holder ( Shellpoint ) torecover something, the seller to get relief, and me the buyer ' to have an affordable home. No one is holding # Shellpoint to a higher level of consumerrelations ( to be respectful, to be professional, and be honest and upfront ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good morning, I did not know how to classify or put into category according to your site. This has to do with my payments made to Shop Your Way - Sears credit card. I have attached statements which will show my balance for the month of XXXX, XXXX, XXXX as well one labeled Recent Statement - XXXX. My payments have been paid on time since I have acquired the card. In XXXX, I made a payment on time but notice Sears did not show the payment. I resubmitted my payment on 5 days later which was late and I was assessed a late of {$28.00}, which in enclosed as an attachment. However, Sears is saying owe a totat of XXXX as payment for XXXX. In XXXX I made payments of {$190.00}. In XXXX I made my payment early of {$150.00}, yet it still show payment due for XXXX of {$130.00}. On the XXXX statement, it shows a payment due of {$280.00} with my balance being approximately {$85.00} over. On another statement dated for XXXX, it shows my balance of {$4100.00} with a minimum payment of {$480.00}. The XXXX statement shows balance of {$4100.00} ; XXXX statement shows balance of {$4000.00} ; and XXXX statement shows balance of {$4100.00}. During this time in XXXX I made a payment of {$160.00} plus additional payment of {$39.00}. Then beginning of the new year in XX/XX/XXXX I made a payment of {$150.00}. As stated in the of the complaint, I did not know which category to place the complaint. However, I am not trying to be dishonest because I pay my bills on time always. I do believe I am being overly charged since I have not used the account in a while. I am being assessed unnecessarily which is making an extremely high monthly payments due. My usual payments range from XXXX monthly payment to {$160.00}. I want my monthly payment to reflect reasonably without anything extra added. My balance is {$3800.00}. currently. I do not owe anything for XXXX since I made my payment early. I am asking for your assistance in this matter.

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 2016-01-26
Company: Credit Service, Inc
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I served as a guarantor on my former colleague 's apartment rental lease, for some reason my colleague owed the landlord ( XXXX ) a debt of {$220.00}. The landlord sent this debt to a collection agency without noticing me, and the collection agency ( Collection Service International ) reported this debt to the credit bureau without noticing me in advance neither. On XXXX XXXX 2015, I got a debt collection notice from the collection agency, I was told that this debt was reported to the credit bureau at the end of XXXX and had affected my credit history since then. 

I contacted them on XXXX XXXX 2015 and questioned why not notice me before reporting the debt to the credit bureau, they said they are not required to. I was also asking them to provide a written document that shows it 's not required to notice me before reporting to affect my credit history, they refused to do so as well. 

I am not very comfortable to bare the damage on my credit history without knowing what 's going on. No of the three parties ( my former colleague, the landlord or the collection agency ) have noticed me of this debt in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: JH Portfolio Debt Equities, LLC
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A 'dunning ' letter sent from Credit Control , LLC was dated XXXX XXXX, 2015 and received by consumer XXXX XXXX 2015 which Consumer feels cuts deep into the XXXX ( XXXX ) day timeline allotted by the FDCPA to respond to the letter in a timely manner. The envelope the letter was mailed in was postmarked XXXX XXXX and received by consumer XXXX XXXX 2015. This attempt by Credit Control , LLC to violate consumer 's right to the XXXX ( XXXX ) day timeline allotted to dispute the debt falls under the Fair Debt Collections Practices Act ; Section 15 U.S.C. 1692e " false, deceptive, misleading representation ' and violates consumers rights. Furthermore, Consumer does not owe Credit Control , LLC a 'debt ' based on the FACT : Consumer has no fiduciary, contractual obligation to pay Credit Control , LLC ( or anyone acting on behalf of Credit Control , LLC ) anything. There is no payment history, nor products, or services that have been rendered to Credit Control , LLC, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact ', that will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will 'tender ' as evidence in a court proceeding if Credit Control , LLC ( or anyone acting on behalf of Credit Control , LLC ) pursues this matter. Consumer refuses to be a 'victim ' of unjust enrichment or extortion. Consumer thanks CFPB for providing this venue as a means of formal documentation. Consumer will file a state and federal lawsuit if Credit Control , LLC chooses to adopt their own agenda and ignore this complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I made two payments in the month of XXXX. Minimum payment due was {$300.00}, and both payments totaled {$7000.00}. 

I paid {$6900.00} on XX/XX/20, and {$100.00} on XX/XX/20. Interest was deducted from both payments instead of applying the additional payment to principle only. 

I tried to contact one main, but there are extended wait times of 30+ minutes to speak to someone. There is no email address provided. 

I also looked at my statement to try and find an email address, and not its fine print saying that if I want to make a principle only payment, its required that I call in or visit a branch to make the payment in person. If this is true, One Main Financial is intentionally making it more difficult for people to pay off their loans, with the intent of burdening people with debt so they can make a profit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they call and dont say anything. i researched them but cant tell if they collect debt or do debt consolidation. I dont have anything on my credit report suggesting I owe anything other then my bills that are being paid.

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 2016-05-10
Company: RGS Financial, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX/XXXX/16, RGS Financial contacted my mother and repeatedly asked her for my phone number.

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 2016-04-07
Company: The CMI Group, Inc.
State: AR
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 received a collection notice stating that I owed a cable company {$66.00}. I cancelled my service with that company and returned all equipment and was told my balance was paid in full. I never received any other bill or communication from the cable company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have an issue with the State of Ohio unemployment for overpayment of benefits back from 2008. I 'll requested proper paperwork to explain what I owe and why but have never received anything in mail verifying statement of what 's owed. I sent a letter to collection agency 30 days again and still did not receive anything stating what and why I owe. I followed the Federal Trade Commission guidelines and also sent a copy to FTC. I would like to know what my next step is from here? Because they put a levy on my bank account and I have not had access to bank account now for over a month or so. Looking for any soluiton to this problem to help me resolve my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pay all XXXX/medical issues through insurance. My grandson calls about ANY bills throughout the years if anyone had any issues collecting information for insurance. He recalls no attempt for an XXXX other than XXXX time he said he called the company and they said it 's fine because they " called the XXXX and got her insurance information there. '' Yet somehow I now have a debt collector contacting me. The XXXX company XXXX XXXX XXXX XXXX XXXX and the Credence collector bill says they have Insurance Specialists waiting to help with taking my insurance. My grandson called and found out there is a 1 year common " timely filing limit '' and it 's been since 2014 that the incident occurred. So the collections has trapped me to pay cash. I received no phone calls, my grandson said the first number they gave for my info was wrong. I am XXXX years and getting help writing this, I have n't had insurance not pay my whole life. This is not fair.

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 2021-01-04
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: Information belongs to someone else

Complaint:
) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was transfer to Green Tree Servicing LLC in 2013. I have applied for a modification and also to do a short sale with Green Tree. Green Tree has denied me both options. I have asked Green Tree To validate the debt and they refuse. Green Tree has foreclosed on my house when their statements clearly says that they are a debt collecting agency. A debt collection can not foreclose on a property that is not theirs! BEFORE Green Tree foreclosed on me, I sent them a payment for {$80000.00} ( via USPS via Register Mail ) and they returned it back to me and proceeded with the foreclosure! I am ready to sue and take legal action! How can I get involved with the class suit against Green Tree?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my house on XXXX/XXXX/15 and Shellpoint has not reported the sale to XXXX XXXX. My credit report shows I owe a balance of approximately {$160000.00}. This balance is preventing me from obtaining another mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a letter from Stonleigh Recovery and Associates, located in XXXX. The debt is from XX/XX/XXXX, and the company stated that they are trying to collect a debt for XXXX XXXX , XXXX, located in XXXX. The statue of limitations for debt collections is 6 years, and it is now XX/XX/XXXX. Also, debt collections must be in the same county the debt occurred. In my case, it 's XXXX XXXX, XXXX. When I talked to a man at the company, XXXX XXXX, I tried to explain this to him. The letter I received threatened to garnish my wages if I did n't respond back in 30 days. However, when I called, XXXX told me that they do n't have anything to do with a judgement because they are not an attorney 's office. When I explained he can not collect anything without a judgement, he started raising his voice and stated that a judgement has nothing to do with debt collections. He stated that I ran up a bill, and I did n't pay it, so they will start garnishing my wages if I do not agree to pay. When I stated that this was not legal, he responded by saying " well, this conversation is going nowhere, so I 'm hanging up now, '' and hung up in my face! To make matters worse, this debt is not even mine. I 've informed all the credit reporting bureaus, and have asked Stoneleigh Recovery for a fraud packet XXXX, and still have not received anything in the mail, except for another notice about garnishing my wages. There was no judgement ; just a typed letter. Whenever I try to call, the associates always transfer me to XXXX XXXX, who is engaging in rude and illegal behavior. I feel like they 're trying to intimidate me ; it is unlawful for a consumer to ask for a fraud packet, and not hear anything back! I feel like the company is biding their time trying to pass a judgement, and they wo n't even verify the debt!

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 2016-04-12
Company: Global Credit & Collection Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Global Credit and Collection Corporation continues to call my cell number XXXX to discuss a debt I owe. They have also reached out to my ex husband to discuss my debt, which is a clear violation of my rights. When I ask them to send a letter to validate amount and debt I owe and to stop talking to third parties about any of my debt, I receive a letter from XXXX XXXX, stating they can not locate my account. How is that possible they can not locate the account with my cell phone number XXXX, last XXXX digits of my social security number : XXXX, my address : XXXX XXXX XXXX XXXX, CA XXXX, etc. Is this company not keeping accurate records of who they are contacting? I called XXXX XXXX with the letter they provided me. This person does n't exist at : XXXX or XXXX. So, this leads me to believe they are scamming and breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I contacted Discover card thru my online account by chatting. I was upset about there high interest rate since I had a problem with them before. I was asking how I could close my account after I found out my balance and the account was clear. At the end of the chatting session I thought I was pretty clear I would call back at my convenience and close after I had physically paid off the account. The discover associate took upon himself to close my account anyway. I called Discover and talked to a Supervisor. He assured me he would look into the chatting session and return my call in a couple days. Never herd back from him and I am concerned this online customer service agent has access to my personal information and will use it in a negative or fraudulent way

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Global Credit & Collection Corporation
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed a Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX in my married name of XXXX XXXX. My discharged was date was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from XXXX from Global Solutions. She asked for me my XXXX XXXX, that is how they have me filed. Their case number for me is XXXX. XXXX called my son and wanted me to call her back. I called her back on XXXX ext. XXXX. But she had called me from XXXX. XXXX advised me she is representing a payday loan company. I asked her the name of the company but she talked so fast I did not understand her. Any loan that I received was before I filed for bankruptcy. XXXX advised me that I had committed fraud and I did not. So I hung up the telephone. She proceeded to call back and I refused to answer and let the phone ring at least 10 times. I called the lawyer who had represented me in the bankruptcy and was advised that this was a scam and referred me to you. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a problem with my mortgage modification from Bank of America that I wanted you to be aware of, and to see if there was anything that you could do to help. Simply, Bank of America significantly changed the terms from what I was offered and accepted for the trial modification to what they offered as the actual modification : Trial Modification Offered & Accepted XXXX XXXX XXXX, 2015 XXXX : Interest Rate 2.750 % Months to Pay Off Loan XXXX & I Payment $ XXXXActual Modification ( XXXX XXXX, 2015 ) Interest Rate 5.250 % ( +2.500 %, 92 % higher ) Months to Pay Off Loan XXXX ( XXXX, +17-1/2 years ) P & I Payment {$2200.00} ( + {$30.00} ) I accepted the trial modification terms as offered, thus avoiding formal mediation in Nevada 's Mediated Mortgage XXXX Program ( MMMP ) as part of my Chapter XXXX Bankruptcy. On XXXX XXXX, 2015, after XXXX successful trial payments, Bank of America sent the mortgage modification documents, but with the new terms. 
I signed the documents on XXXX XXXX, 2015 so that I could keep my home, on advice from my bankruptcy attorney. On XXXX XXXX, 2015, the Bankruptcy Court approved the modification, with it entered on XXXX XXXX, 2015. 
The question that I have repeatedly asked Bank of America, and that they seem incapable of answering is : Why did you offer XXXX set of terms for the trial and change those terms for the actual modification? 
Did Bank of America commit fraud or breach of contract with these bait-and-switch modification tactics - and does this constitute misleading financial practices? 
Am I just stuck with this new mortgage? Is there anything you can do to help? I would be more than happy to provide you with all relevant modification documents. 
Thank you for your time and consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: First Data Corporation
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX is trying to collect on a debt that was previously being collected on by TRS. I submitted a police report and FTC Affidavit to TRS before they submitted this out to this other collection company

Company response to consumer: Closed with explanation