BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am trying to buy my first home with section XXXX homebuying it has been a long process, I was told that only to banks in the area do this types of loans so I called XXXX after speaking with a mortgage officer at Santander bank and him pulling my credit twice I was told my score was to be at XXXX. I was at XXXX and he was like that 's ok if it 's the same they are willing to do a rapid rescore. After doing everything he ask and dropping all documents off to him he now states he is unable to do my loan that I should find another bank to help me. I have done everything I was ask. He also talked about other loan then emails me to say that they are unable to do those types of loans with section XXXX homebuying. I now have to dents on my score due to his not telling the truth he also did n't state that the bank required a XXXX score in order to be approved. I been turned down by many banks that are not willing to help because I am doing section XXXX homebuying. I have called and called and everyone says no we do n't do those types of loans. I not sure what they mean seeing that it is a subsidy to pay a portion of my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-05-22
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/XXXX/2016 XXXX XXXX XXXX - XXXX - Hospitalist XXXX XXXX XXXX XXXX, FL XXXX Performed several XXXX test on me, I had XXXX in the XXXX every 5 months or so I 'm to be recheck. 
I 'm medical needed with a share of cost, if the test that this hospital did was XXXX XXXX And paid {$120.00} to hospital why is XXXX & Credit Management , LP ( XXXX ) XXXX trying to collect. 
Credit Management Informed me that if I did n't pay them XXXX dollars a month, they would report this to credit bureaus. 
I informed her that I was XXXX & was living on a fixed income I could pay {$20.00} dollars a month She XXXX hanged the phone up on me, She stated this was my share of cost. 
XXXX XXXX XXXX ) XXXX Told me that I gave them the wrong medicaid number, when I had never spoke to these people until XXXX/XXXX/16 I was told that I would have to contact the collection agency. 
The collection told me that I had to contact the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: RGS Financial, 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 resulted from identity theft

Complaint:
This account does not belong to me. I have no knowledge of it. I have submitted complaints the last time they tried to collect it two years ago and it was deleted from my credit report. I have an ongoing ID theft issue with plenty of reports including local police departments in the FTC. this collection companies repurchasing old debt resold to them by other collection agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: The CMI Group, Inc.
State: TX
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 do not have knowledge of this debt that is attempting to be collected.

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 2021-01-21
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX, is a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: ALLY FINANCIAL INC.
State: MS
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I have a Traditional and Roth IRAs money market accounts with Ally Bank. I 'm in the process of trying to transfer those funds between XXXX other FDIC insured banks so that all of my IRA money will be Federally insured. I signed, dated, and mailed the " IRA Transfer Requests '' applications from these XXXX banks to them. XXXX of the banks in turn submitted this signed request form to Ally Bank to start the process of transferring the money into the new Tranditional and Roth IRA money market account. However, a representative from Ally Bank called to inform me that the requests to transfer the money had been denied. When I asked Ally Bank why the transfer was denied, they informed me that my signature was not notarized by a notary public with a notary stamp. She said anyone could signed a transfer document. I told her that I had signed it and that I was giving her verbal authorization to make the transfer. I told her that she had asked me at least XXXX security questions to verify that I was the owner of the account in questions before we began the discussion of my IRA. There is no logic why after successfully answering the security questions that Ally Bank refused to accept my verbal acknowledgement that I ( the owner of the IRA accounts ) legitimently requested the transfer. The Ally Bank representative agreed with me but said the notary public notarization was their procedure. So I reprinted and filled out the Transfer Requests for a second time and had them notarized and signed by a notary public. I called Ally Bank bank to let them know that I uploaded a copy of the new " Transfer Request '' forms to my new bank and that they would send them the new transfer request. It was from this XXXX discussion that I was told that these requests would also be denied because they were uploaded copies and not the original forms. These kind of onerous rules have no place for an online bank who touts the ease of their software to fill an individuals banking needs. At the very least when I was initially informed that my transfer request was denied, I should have been emailed the precise requirements that needed to be performed to submitt successful transfer form. Instead I accidentally stumbled across the requirement that the transfer request forms had to be the original ones. At the most, when I call Ally Bank and successfully answer all the security questions but then still can not direct how my accounts are to be handled goes counter to having an online bank account. This is wrong and in my opinion over kill when the owner of an account can not call Ally directly to direct how their account is to be handled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09
Company: General Motors Financial Company, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a new vehicle in XXXX XXXX and financed the vehicle thru GM Financial The term of the loan was 72 months ending in XXXX XXXX. 
Twice during the contract period I was slow in making the monthly payment due on the XXXX of the month originally. But was paid not more than 10 days from the monthly due date of the XXXX. 
GM Financial Informed me that I could skip that month 's payment by just paying $ XXXX for that affected month and a additional month would be added to the original 72 months. I agreed to this proposal and for that month I only paid $ XXXX instead of the contracted amount. GM Financial changed my due date from the XXXX to the XXXX of each month. Later I was slow in making the monthly payment on the XXXX, but the amount due was was paid within 10 days of the monthly due date. GM Financial again advised me that by paying $ XXXX for the affected month, I could defer the full monthly payment to the end of the 72 month period. However GM Financial added XXXX additional months to the 72 month contract for XXXX instances of making the monthly payment XXXX or less days from the scheduled monthly due date. GM Financial is requesting a final ballon payment in excess of the monthly due amount. Thus 72 months became XXXX 78 months despite no payment was ever late or more than 9 days from the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company involved continues to report a debt which i do not owe ; they have repeatedly ( XXXX times on XXXX, once on XXXX ) reported a debt of {$1800.00}. I have never had any dealing whatsoever with this company, they have never, ever contacted me either by phone or letter. I have had the same address and phone number for seven years. I have written to them to ask them to remove the major derogatory reports, but they ignore my requests.As a result of this my credit rating has been reduced by some XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: HUNTER FINANCIAL GROUP, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hunter Financial has it listed in my credit report as a home improvement loan, this is not the case. i m not the homeowner and need this removed from my credit file asap.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-04
Company: Blackhawk Network Holdings Inc.
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
My Tmobile Visa account was closed due to an " internal risk issue '' with {$3000.00} in the account. I 've called multiple time with the first XXXX people telling me the money is simply gone. The third time I called, I was told to send in a picture of my ID next to my face ( a ridiculous request ) as well as receipts from my last transaction ( over a week ago and those receipts are long gone in the trash ) They said there is not other way to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
A dispute was submitted to Equifax concerning three accounts : XXXX XXXX XXXX and XXXX XXXX. Each account reflected a negative remark that has adversely effected my credit report. XXXX XXXX XXXX is a collection agency who during several conversations with most recent occurring on XXXX/XXXX/XXXX is updating my credit report in behalf of XXXX XXXX XXXX XXXX. A conversation was held with a XXXX representative named XXXX XXXX on XXXX/XXXX/XXXX at approximately XXXX on a recorded line. XXXX XXXX was informed of the situation with the co-pay and the outstanding balance in the bills. He informed me that the bills have been charged off and that XXXX has no interest in them. When he was asked about collections he stated that the bills were sold to XXXX XXXX Systems on XXXX/XXXX/XXXX. XXXX XXXX was asked about adding collections to credit reports and he responded by stating that XXXX does not report medial bills to collections nor do the ask the medial collection be reported on credit reports. He then stated that XXXX XXXX XXXX has not been authorized by XXXX to added collections to credit reports. XXXX XXXX then stated that XXXX XXXX XXXX is merely a third party collection company that is trying to collect a payment for there benefit because they now own the debt. This is conflicting information as because in a response to a previous dispute filed XXXX XXXX XXXX who is the parent company of XXXX XXXX XXXX stated that they were acting on behalf of XXXX and updating on behalf of XXXX. They claim that they do not own the debt but it was reported by XXXX that the debt was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX which is reflected on my credit report. Documents are attached to verify the phone conversation with XXXX XXXX XXXX and to verify that XXXX XXXX XXXX has stated that the are acting on behalf of XXXX. 
In regards to the XXXX XXXX account there have been late marks added for XX/XX/XXXX and XX/XX/XXXX which should not be there. The car was paid in full XX/XX/XXXX as a result of trading my car in. XXXX XXXX overnighted a check on my behalf. As for XX/XX/XXXX we did not own the vehicle. Attached is the letter from XXXX confirming the debt was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed a judgment that is not mine to Equifax. It has been six months andI still have not received my results. Equifax just keep saying that it is pending. XXXXI was denied credit because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Kriya Capital, LLC
State: AZ
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:
Complaint XXXX has identity theft involved by medical provider and collection agency

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 2016-04-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a second complaint concerning Shellpoint Mortgage Servicing. Original ( XXXX ) was not taken care of. We still can not access our account. We still remain in Bankruptcy per their records. Customer Service can not or will not help. Bankruptcy Department does not respond to messages and does n't answer their phone. Absolutely noone can/will help at Shellpoint. We can not even verify what our XXXX payment should be.

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 2017-01-21
Company: Seterus, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company, Seterus , Inc., recently changed their statement date. Because they allow a 15 day grace period for the mortgage due date ( which is the XXXX of each month ) we have our payment posted on the XXXX of the month. This is still considered a timely payment. But now, because they moved up their statement generation date to earlier in the month, the on-time payment made on the XXXX, does not make it into the statement period. The result is that every statement we receive shows that we are always a month behind in payments. If we needed to provide copies of our mortgage statement, they would show that we are always behind. It should be a fairly straightforward programming fix for Seterus to fix, but they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: JH Portfolio Debt Equities, LLC
State: SC
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:
I ASK THIS CREDITOR TO VALIDATE THIS DEBT AND AS OF TODAY I HAVENT RECEIVED ANYTHING!! ALSO UNDER FDCPA SECTION 811 ( A2 ) THE COLLECTOR MUST BE IN THE COUNTY IN WHICH I LIVED WHEN I SIGNED THE ORIGINAL CONTRACT.

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
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: IN
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:
Equifax sent a letter in XX/XX/2020 Acct # XXXX Derogatory mark {$5500.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet. 

XXXX sent letter in XXXX XXXX Acct # XXXX Derogatory mark {$550.00}, Acct # XXXX {$550.00} XXXX sent letter XXXX XXXX Acct # XXXX {$7900.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
New mortgage with XXXX which was sold to shellpoint mortgage company. With all of the sudden change and confusion I had sent out post dated checks from XXXX. Upon no response as to checks received when I asked on the XXXX of XXXX I issued another set of checks for the monthly payments. I informed shellpoint that I stopped payments on checks XXXX to XXXX and replaced by checks XXXX. I asked them to destroy or return the checks upon receipt and keep the new checks. Shellpoint refuse to destroy the checks but submit them both monthly. I told them I can not afford XXXX sets of checks to be cashed monthly as payment on my account. Shellpoint is charging me NSF payments and late charges to my account for every month although they are receiving the monthly payments from my account monthly. I was told that I have until the XXXX of the month to make monthly payments. The checks they have on file are dated the XXXX of each month. 
I was told over and over after numerous phone calls and also after lodging a complaint that it is my error and the fees will stand. I find it very misleading by shellpoint for charging me all these fees and also telling me my account is in good standing. I asked if I could do auto debit from my account or pay over the telephone effective now for future. I was told the checks will still be deposited and I will be charge. Checks for XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX which they should return to me or destroyed ; instead they are depositing them and they were notified well in advance that they were stopped. A total of XXXX checks I am getting charged nsf fees and late payments for each month. They were notified immediately in XXXX. When I initiated the calls each time I was told they did not have my file from XXXX. I got scared and cancelled the checks and contacted my lawyer that did the mortgage because I did not know where they went. I only cancelled the first set of checks because I was instructed to do that by my mortgage broker and the mortgage lawyer. I would like shellpoint to destroy the checks or return them with confirmation and remove the late and nsf fees they are charging me unnecessarily which will run until XXXX XXXX.

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 2016-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX XXXX, 2016 I discovered my secured Capital One credit card had been compromised and there were several unauthorized transactions posted to my account. I immediately contacted Capital One and was transferred to the fraud department. I explained to the customer service representative I spoke with the situation and was repeatedly reassured by her that I was 100 % covered by Capital One 's fraud protection services. The customer service person I spoke with was polite, apologetic, and extremely helpful. She noted all the unauthorized transactions, noted that I made contact with Capital One, and noted that none of the unauthorized transactions should count negatively toward the account since it was a secured card - and then read her notes back to me to be sure she had not missed any transactions. She closed out the card with the fraudulent card activity and reissued me another card. I was provided with a claim number for the fraudulent activity. 
When I received the new card in the mail, I called Capital One to activate the card. After to speaking to two customer service representatives I spoke with someone who informed me he was a 'supervisor ' and his name was " XXXX ''. He told me that my account was a secured card and it had been closed. He stated the reason was due to one of the unauthorized transactions reported just a few days earlier. I tried to explain to him that the transaction was not authorized or initiated by me, but he continued to state it was company policy for secured accounts to be closed when this type of transaction happens and began insinuating that he did not believe the transaction was fraudulent or unauthorized. He informed me that I " could not provide any documentation to prove that I did NOT complete the transaction ''. He was extremely rude and condescending. I informed him the person I spoke with when I reported the fraudulent activity had told me that none of the unauthorized transactions would be held against me, but he just repeated the above statement and kept saying it was " company policy with secured accounts ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I have sent several letters asking for proof bearing my signature showing this this account has been late. I have never received a response, in fact this account was paid and closed fro over a year and know this company just added that this account is now open and hit me with another late. 
i have also disputed with the bureau and it has gone un answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
I mail a payment to Capital One every month, I use a USPS TRACKING NUMBER to trace the package. Every month, the payment take 5-7 days to post AFTER the payment has been received by Capital One. Attempts to communicate with Capital One as to WHY it takes so long to post a payment ( and as such potentially creating late fees ) have resulted in Capital One blaming me stating I 'm not including a copy of the statement with the payment. This is just a flat out lie as each month a statement is mailed with the check to insure proper crediting of the account. I 've had to call multiple times to track down the payment and insure that it is actually posted to the account in a timely manner.

Company response to consumer: Closed with explanation