BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX I made an online payment of XXXX to NewRez/Shellpoint for my XXXX Mortgage payment. On XX/XX/XXXX, I received a letter from NewRez indicating that the payment was returned by my financial institution. The evening of XX/XX/XXXX, I contacted NewRez via telephone and advised them that the payment was not returned and that the monies were debited from my account on XX/XX/XXXX. Both customer reps that I spoke with stated ( 1 ) that the payment was returned 'Account Closed ' and ( 2 ) I needed to email the loan servicing department to resolve the issue. After hanging up from the call with customer service on XX/XX/XXXX, I emailed the loan servicing department advising them that the payment was not returned, as the account is still open and active. Attached to the email was the bank printout showing the funds were debited by NewRez on XX/XX/XXXX. 

As a follow up to my email and conversation with the customer service reps on XX/XX/XXXX, the morning of XX/XX/XXXX, I contacted XXXX XXXX 's ACH department to verify that the funds were not returned at which time I was advised that on XX/XX/XXXX they had system issues and erroneously notified banks that accounts were closed and/or had insufficient funds, however the funds were debited from the account and not returned. The banks branch manager then assured me that the NewRez had already been contacted regarding their system issue on XX/XX/XXXX. 

As a follow up to my conversation with the XXXX XXXX where the mortgage payment was successfully debited from my account, on XX/XX/XXXX, I emailed NewRez again notifying them of the bank error. Additionally, NewRez was provided the bank managers contact information and notified that per the bank manager that as a mortgage originator, NewRez had already been contacted regarding the error. 

On XX/XX/XXXX NewRez was once again contacted regarding the bank error at which time I was notified that they were aware of the issue and that it was resolved. Additionally, I was told that my XXXX payment had not been received. After I kept questioning the rep and provided a specific date ( XX/XX/XXXX ) that the payment was debited from my account and posted online to their system, she admitted that the payment was in fact received. 

Thinking that the issue was resolved related to XXXX payment, where once again the monies debited from my account and not returned ... .. I went online XX/XX/XXXX to make XXXX XXXX payment at which time the system indicated that the account is in forbearance and that payments are not acceptable. I did not request a forbearance and have been making all payments. 

Please help. Not sure why NewRez is not posting/processing my payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
Midland funding LLC failed to remove their tradeline from my credit reports in a reasonably time. This is causing my report to become more negative thus having a huge impact on my credit score. They had hired a law firm, XXXX, XXXX , XXXX  XXXX, for the collection of debt owe to them. The debt was settled as agreed with the law firm over a month ago, which was in XX/XX/2020. I called Midland on XX/XX/XXXX and XXXX to let them know that they had not updated/removed the information. Midland keeps telling me that it takes more days for changes to the report. Another person in Midland 's consumer department named XXXX, said that the law firm needs to let them know that the debt has been settled before updating. I called the law firm they suggested it was a matter to be taken up by Midland funding LLC. I will like my report to be updated immediately. Overall Midland funding is taken a long time to update/ remove collection from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my mortgage in XX/XX/2021. I have asked BofA to send me a copy of my mortgage payoff letter and my final escrow account statement. I have not received the final escrow account statement. I want it. BofA just sent me a check with no explanation. I have no way of knowing if it's the correct amount I'm due. See below for correspondence. I tried unsuccessfully to contact BofA. 


Auto Dealer XXXX XX/XX/2021 Thank you for contacting Bank of America XXXX XXXX. We have received your e-mail. 
A member of our team will get back to you within two to five business days. 

We appreciate your business and look forward to serving you, Bank of America XXXX XXXX -- -- - Original Message -- -- - From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/2021 XXXX XXXX GMT-XXXX Subject : General question about my account >I received an email notification about my mortgage payoff letter. I am unable to access the letter. Please send it to me. Also, how much was in my escrow account, and when will I get that? This is frustrating. I can not view mortgage account history. This doesn't make sense. Does BofA delete its XXXX once that year has passed? No, BofA doesn't. 
Actions : Delete | Reply

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 2021-01-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax, XXXX and XXXX have overused their power of being consumer reporting agencies. With the unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: M&T BANK CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my 3rd submission about M & T bank pulling a hard inquiry on XX/XX/2021. 

I received a letter today from M & T where they showed that I supplied consent for a hard inquiry for a refinance ( based on an IP address ). 

Their explanation in my opinion doesn't pass the smell test. 

M & T claims the hard inquiry was for a " pre-approval ''. 

I spent over 30 years as a XXXX XXXX in XXXX XXXX XXXX and XXXX. The only thing I would have done was to inquire about what rate they could have offered me, because I knew my debt ratio at the time would never have been approved for a refinance. 

As we all know, refi " pre-approvals '' are sent all the time through the mail and they virtually always 'sourced ' via soft inquirys. 

At a minimum I believe that M & T 's website was completely misleading about this consent issue. 

Again I never thought I was applying because of my deep knowledge of consumer finance policies.

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 2015-05-09
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: JPMORGAN CHASE & CO.
State: TN
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: Problem with personal statement of dispute

Complaint:
The last active date is reporting inaccurate on all 3 credit bureaus, account is reporting false information, date of last payment is reporting inaccurate, the credit limit is reporting inaccurate, also reporting a balance on a closed account this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Will not provide me with a statement showing my debt on XXXX locations of my credit report. Has not informed me that I owed anything. XXXX of the debts are not mine .. I asked for proof or statement and was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Credit Plus Inc
State: CT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
hello I am a XXXX veteran this company ran my report I never gave verbal and or writtenconsent to authorize use and or to run my credit report and this is hurting my credit really bad and need your help removing it. 
I 've tried to call and talk to thesecompany but never have any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen issued a Notice of Default, through XXXX XXXX XXXX XXXX, without granting the " In Person Meet and Confer '' provided by the WA State Foreclosure Fairness Act. I have made XXXX formal requests for the meeting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have multiple credit cards and have credit scores with BOTH XXXX and XXXX. I'm finding it impossible to get Equifax to assist in creating/ providing a credit score for me. 

1. Contacted Equifax on XX/XX/2022 at XXXX EST ( XXXX minute call ) Was asked to mail a copy of Driver 's License and Social Security Card to " verify ID '' 1a ) Mailed Copy of Driver 's License, Copy of Social Security Card, AND a letter with current name, former name, current mailing address, former address, every piece of info I could think would help AND a contact phone number and email address via XXXX XXXX Mail XXXX was delivered and signed for by " XXXX XXXX XXXX on XXXX XXXX. 

2. Called Equifax on XX/XX/2022 at XXXX pm EST ; was told " they must still not have it uploaded '' ( XXXX minute call ) XXXX ) Received postcard XX/XX/XXXX, which proves they HAD received my documents saying : " We received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one of the following reasons : - You have not applied for credit recently- You have not actively used credit in the past ten years, or -You have not lived in the United States or have not been issued a U.S. Social Security Number If you are a resident of XXXX XXXX. [ instructions to follow ] You may want to contact the other two nationwide consumer credit reporting agencies listed below : -XXXX  [ provided number and website ] -XXXX  : [ provided number and website ] If you have any questions, please visit us at [ website ] or contact us toll-free at [ phone number ] 3 ) Called multiple numbers XX/XX/XXXX, spending a total of XXXX minutes with Customer Service- with ALL asking me to send in documents to prove my identity. NONE could say how the process would change and be fruitful if I went through the process again. I NEED a credit score to obtain housing. Please assist!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: VA
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. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C. 1681. 
XXXX. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX I HAS VIOLATED MY RIGHTS. 
XXXX. XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX 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 604 A SECTION 2. IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax still refuse to uphold the law that applies to them .Equifax deletes then reinstate a account that does not belong to me back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have explained numerous of times tell them that is isn't me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX bank is reporting a late payment on my credit report for {$80.00} when auto payment every month is around {$400.00} on auto pay. I have set up this account years ago to auto pay and i have never removed or changed this feature. I just noticed this late on my credit. looks like the bank had a glitch on their end and is hurting my credit now.

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 2022-04-18
Company: RIGHT START MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home in XXXX 2021, the mortgage company never paid the full balance of our property taxes from our escrow account at closing. In addition, they over charged us the entire year, and at one point we had XXXX in our escrow account. We received tax notices of taxes due from underpayment and contacted the mortgage company. Emailed the tax notices to them for payment, they never paid them. Months later we get correspondence that states that we over paid them $ XXXX and would be receiving a check back for that amount within 30 days. It has been almost 60 days, a dozen phone calls- where we are always hung up on, and no reimbursement to us has been received. The second half of the balance due taxes are due in 45 days, and we need the money we paid the mortgage company to pay those taxes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX mortgage with Bank Of America. I have been for the last 10 years showing them that I am not in a flood zone. I have pulled flood certification directly from FEMA showing I am in Zone " XXXX '' that does not require flood insurance. They have always come back and stated I am getting forced paid flood insurance. I do not on my XXXX. mortgage have flood insurance as the lender if XXXX XXXX and state I am not in a flood zone. I am not able to sell my home as I would have to state in flood zone, I am not able to refi my XXXX to get away from them as my value will not come in. They told me I need to get a letter from FEMA /LOMA . In order to get FEMA to give me a letter as they stated I am in zone " XXXX '' I need to get an engineer to provide grades. I finally saved the money to get this completed this year. The engineer came out to my house and stated you are not in a flood zone. Your structure is the highest on your block. I stated I know as no one on either side of my home needs to have flood insurance but Bank of America tells me I do need it. The engineer completed the paper work, I paid the money. I then sent in all my paper work to FEMA and FEMA sent me the LOMA. The letter stated that I am in zone " XXXX '' and that my structure for my home is in flood zone " XXXX ''. I sent everything over to Bank Of America several times with in the past 4 months and Bank of America keeps sending me the same letter for what I need to do to get out of a flood zone and not have forced place insurance on my home. This is very stress full as I did what they told me, I have been going round and round with them for the past 10 years. I need help, I can not sell my home as would have to state I am in a flood zone on the Illinois state Real estate disclosures, I do n't have the money to pay them off out right and ca n't refi as I am still upside down like most on my value of home. Please I need someone to help me as this is not correct. I have done everything and provide proof over the years to show I am in zone " XXXX ''. They have added on money to my amount I owe them in my balance to cover the force placed insurance over the years. Please help me as I am not in a flood zone.

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 2017-08-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Today XX/XX/XXXX I was reviewing my Amazon card transactions and noticed that every month I have been charged seemingly random amounts for " card security. '' I called and the customer service rep said it was an insurance program. I NEVER agreed to or signed up for this. She agreed to refund the last three charges, but I am concerned that there are more charges that I can not see as my transaction history available on their portal does not go past XX/XX/XXXX. The charges are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX is as far as the website provides for transaction history.

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 2016-11-14
Company: Ceannate
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I had a XXXX over the last 3 years and during that time was unable to remember many events and situations. At the time I did not have medical insurance and was left with significant medical bills of which some went in to collections, lawsuits and judgments. I will be paying on these for some time. 
This was all explained to the DOE prior to them saying they would send me a " Hardship Form ''. There apparently was a loan I signed for account # XXXX serviced by XXXX XXXX from The Department of Education. 
After I called the Department of Education on this loan and was told it went into default. I spoke to them about bringing it out of default and said they would send me a Hardship Form. As it turns out it was a deferment form so I called again and they said to just send what I could. Within a few days the Department od Education apparently placed this account into collections with a company called FMS. This company called me 5 times over the next five days and I told them not to call me anymore. I requested they only contact me in writing after checking their records of consumer complaints. 
Now the original amount of the loan was {$41000.00} interest due on this Parent Plus loan to date is {$4500.00}. FMS added {$11000.00} to the amount owed to DOE! How is that even possible, I almost had a XXXX when I got this letter. How is this possible that within one week I could go from owing {$45000.00} to {$57000.00}? 
Please help me straighten this out as this company is not going to treat me in a fair manner, at least that is my first impression. I would be happy to supply you a copy of their letter. I was going to send a certified letter to dispute the {$57000.00}, please advise. 
thank you, XXXX XXXX XXXX. 


These fees can not possibly be legal and the cavalier manner in which the DOE just forwarded this account to a collection company is not right. I have formal payment plans with the Internal Revenue Service and the State of NJ for back taxes while I was in the hospital and recovering. The treatment I received from both agencies was far better then this situation. FMS was constantly auto-dialing me at all hours of the day and evening. I have written times and various numbers they called from. Sometimes as late as XXXX.

Company response to consumer: Closed with explanation