BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-24
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for a XXXX Modification with XXXX. XXXX sold the servicing to Shellpoint mortgage servicing. Then XXXX sent a letter to disregard the last letter. All " Initial Package '' per XXXX Guidelines, RMA copy attached include 1 ) RMA Form, 2 ) IRS form XXXX, 3 ) Evidence of Income and 4 ) Dodd-Frank All have been submitted. " Bank Sanctioned for Failure to Consider Loan Modification ''. I would like Shell point servicing to be considered for Sanctions. I was told that the Sale date and foreclosure were Suspended per XXXX and XXXX of the XXXX guidelines and My demand letter dated XXXX/XXXX/XXXX was never answered to me ( Third party auth on file. The sale date is tomorrow with on service or acceleration letter issued. The only issue is that we submitted the XXXX tax return and submitted a XXXX tax return instead of the XXXX. Now they want a XXXX submitted as well I guess the XXXX is not good enough. There was no written certification done as required by XXXX and XXXX of the XXXX Guidelines. The complete doc 's from XXXX have not been considered which were a complete package.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX Thankyou points once I 've made 2 bill pays and added XXXX $ in my accouunt. More details here for the offer ( code:XXXX ) : XXXX I completed all the requirements and had n't seen my points post yet. I submitted a secure message around XXXX XXXX and the rep confirmed that I would see the miles posting within 60 days. Plus I was also confirmed by XXXX reps on a phone conversation that i should be receiving it soon. It has been over 4 months and I still have not received my miles.

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 2017-01-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I signed up for a Best Buy credit card many years ago. Since 2011 I 've been charged roughly {$410.00} for some Debt Protection that I never signed up for. It shows up on my statements as XXXX. I only recently noticed this. I got it cancelled but this is XXXX. That money could go to far better use than to line someone else 's pockets.

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 2023-01-15
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:
This account does not belong to me and it recently appeared out of nowhere on my credit report. Please delete this asap as I have included the identity theft report. 

XXXX XXXX XXXX Account Number XXXX XXXX Account Status XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was double charged for a hotel room. I stayed at the XXXX XXXX on XXXX/XXXX/16. I was charged by XXXX and by the XXXX XXXX for the nights stay. I was double charged. I have disputed the charge with Citi Bank, but they have not resolved the situation.

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 2016-12-23
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a auto loan from SANTANDER CONSUMER USA on a XXXX XXXX XXXX. over the last two years I have been paying a extra {$60.00} a month to go towards the principal. Instead this company decides to apply none it to the principal and take half and add it to the interest and add 22 % on top of it. I call the company to talk about this and they admit that they did this on tape that I have. After doing some research on this company this the same company that just settle with the fed because of cheating XXXX men and women. I am a XXXX veteran and do not understand how this can still happen with with company. There are many lawsuits that have been filed against this company and this company still try to cheat its customers with this illegal practice. I had a account look at my history of payments for the last three years and none of the payments that have been made have been applied correctly to the loan amount. I have made a request to have all of my payment history mailed to me over two weeks ago, I was told by XXXX a manager that the extra payments will be added to the principal and correction made. So far nothing has been done, the payments still do not show correction made. I would this department to get involved to help make correction and expose this company for what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have received XXXX judgments along with garnishments against my paycheck on XXXX them. These were both Capital One Bank credit Cards that went into collection XXXX 2006. That is 10 years and 10 months ago. That would be 4 years 10 months past the State of Oregon 's Statute of Limitations on Collection Lawsuits. I called them to ask why they are garnishing my wages almost 11 years later, and I was told that would be giving legal advice! I now find myself unable to sustain monthly payments on my families utilities & falling behind across the board due to the flagrant and apparently illegal actions of this unethical collection / attorney firm. I cant afford to pay another attorney to stop the illegal garnishments and Statute of Limitations complete disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: JH Portfolio Debt Equities, LLC
State: TN
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:
Jh portfolio debt I have a unverified account from Jh portfolio collection. I had previously disputed this account. I have never done business with agency. Pursuant to the fair debt collection practice act ( fdcpa ) I disputed the validity of the debt. I request that jh portfolio provide verification of the following : 1 ) the original application or contract. 2 ) any and all statements allegedly related to this debt. 3 ) any and all signed receipts 4 ) any and all canceled checks 5 ) original date of default and collection activity begin 6 ) whether you purchased the debt 7 ) the date ( s ) the debt allegedly accrued 8 ) an itemitzation of the costs, including an accounting for any additional interest, charges, or other fees placed on the account. I want to request jh portfolio debt cease and desist all further communcation activity and provide verification of purported debt. On XXXX XXXX jh portfolio also reported to XXXX credit reporting that I paid XXXX $ on said account. I would like documentation i.e. Voided check, debit card payment or printed receipt of said transaction. Misstating the consumer paid on this account may constitute a violation of fair debt collection practice act. The FDCPA prohibits the use of any false or deceptive or misleading representation in an attempt to collect a debt see U.S.C 1692e

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 2016-08-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have reached out the this company and never hear anything back. I want documentation of this account that shows break downs and specifics. I need to get this off my credit ; however, I can not pay the balance due to financial hardships. My husband has become very ill and no longer works. We are living on XXXX income and need help clearing this up. Can you please help?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: IN
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 am getting nasty calls and voicemails about someone I used to know years ago and their debt. They are telling me this person owes them a debt and asking me to pay it. They wo n't stop calling me and said that they wo n't remove my number from their calling list unless I track down the old college I used to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
They locked my account for the reason that I was not too active and sent the money to unclaimed funds somewhere. I came into the branch today to ask for the log in and found out. Now, I do n't even know where they sent {$1500.00} to. I asked them and all they said was that they do n't know.

Company response to consumer: Closed
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: SC
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Everything was fine until they had an update. Update still going when they said it was only suppose to last 5 hours. U ca n't get into your account, ca n't get anyone on the phone or it hangs up on you, if you had a balance before the update the balance now shows XXXX, direct deposits are not going into the accounts either. They are not responding to emails. The only updates you see is on social media, they are not telling the customers themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Various attorneys continue to claim a mortgage in my deceased father 's name. There is no such debt and they have no claim. This fraud loan with PennyMac must be on XXXX of your databases somewhere, these attorneys make assumptions and start moving to foreclose. One office XXXX ( XXXX XXXX XXXX XXXX filed a trustee sale on my home XXXX months ago acting as a Bank, Beneficiary, and Trustee. This has to stop, I need your office to stop this fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Ditech Financial LLC
State: RI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The Company Ditech is harassing me with phone calls. They have stated in the past specifically to XXXX. That I was on a no contact list. They are still calling. They lied to XXXX. I have told them to stop. They continued to call. On the XXXX of XXXX I received two calls within 4 Hours. I have told them to stop and they continue. I have also sent them a cease and desist letter. In the past they have called my neighbor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Did not receive notice of right to dispute, i dont know where this debt came from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Someone else 's {$330000.00} investment account is attached to my account @ Chase Bank. They remove it, but it pops back up onto my account the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of buying a new home. I had a foreclosure several years ago. My lender has requested a satisfaction letter from Chase Mortgage.I called them on XXXX XXXX and requested the document and was told it would take between 5 and 15 business days to get the letter. As of today ( XXXX ), I can not get that letter I need and now I ca n't get anyone to call me back. I already lost one house and had to eat the inspection fee and the appraisal fee because of this missing letter. I have a new house under contract and need them to provide the letter immediately. I am at their mercy right now and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX XXXX, 2016 I received a letter from Equifax dated XXXX XXXX, 2016. Equifax responded to my disputed inquiries that I made them aware of since XXXX 2016. Equifax stated to all my disputes " Inquiries are a factual record of file access ''. I requested Equifax to conduct a legitimate investigation and provide me a copy of the documentation that was used to verify that the inquiries were legitimate. Equifax has failed to comply with my request and have exceeded the XXXX required by the FCRA to conduct there investigation. The dereliction of duty by Equifax is having a negative effect on my credit worthiness and credit score causing me to have a great measure of distress. The following are the disputes I filed with Equifax : XXXX XXXX ( 2 TIMES ), XXXX, XXXX XXXX XXXX ( 3 TIMES ), XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( 2 TIMES ), XXXX XXXX XXXX XXXX ( 2 TIMES ), XXXX XXXX, XXXX XXXX XXXX XXXX, & XXXX XXXX. Please be advised that I have written and called these institution 's and they have informed me that they cant do anything for me and that I will have to contact Equifax. This proves that Equifax has not conducted an ethical and proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: MINNESOTA LIFE INSURANCE CO., THE
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a personal loan with Personal Finance Company opened on XXXX/XXXX/XXXX and refianced ( paid in full ) in XX/XX/XXXX. Multiple times, I have contacted Personal Finance Company to report the account information to the Credit Bureaus correctly and multiple times, they have continued to report incorrectly. 

The account was updated on XXXX/XXXX/XXXX ( 2 years and 4 months after it was closed ) and a 30 day late was marked for XX/XX/XXXX. This account was marked a 30 day late when it had been paid/closed/refienced in good standing 2 years and 2 months prior.

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 2015-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I filed a BankAmericard Cash Rewards Card today, so I got declined from Bank of America dated of XXXX XXXX, 2015 : Unfortunately, we 're unable to approve your application at this time. 
As a result of our decision, any balance transfer requests included with your credit application will not be processedXXXX, thanks for applyingI complain against Bank of America for discriminated against my income and they made me in full of disrespect banking account notification to U.S. Senators and SPeaker XXXX XXXX. 
I am dual unhappy with Bank of America responses involved due to unfit XXXX and XXXX residents notification to U.S. Senators, thank you, much! 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2009, I had a property financed with Bank of America that went into foreclosure. Despite the fact that the property was surrendered back to the bank, they are still reporting to the credit bureaus that I owe them XXXX in relation to this mortgage. I have tried to dispute this balance with the credit bureaus, but Bank of America continues to tell them that I owe them $ XXXX, despite the surrender of the property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I am in line for a modification from Bank of America. I was in a trial basis for three months, it has now been extended to seven months. I was told after three months I would receive my paperwork, It haws not happened. I am in line to get property tasx help from the State of Michigan and my approval by Bank of America XX/XX/XXXX. They keep stalling me, ev ery week it is a new target date as they are behind in their paperwok. I have sent XXXX e-mails to XXXX XXXX XXXX, but to no avail. Why would he respond to me I am just a little person. I am XXXX years old and on a fixed income. I do not want to b e homeless because of property taxes that are over due. i need desperately need help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX are trying to collect a debt which I do not owe. They are trying to collect a debt under two different account for the same company. I told the company that all debts and claims for XXXX has been fully resolved. They closed the 1st debt for this company however they are refusing to closed the other debt they claimed I owe for the same company. I sent a dispute letter on XX/XX/XXXX requesting further verification and proof within 30 days, today XX/XX/2016 I still have not receive this from the debt collector or confirmation that it has been closed.

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 2016-09-29
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX account were open in my name ( supporting documents uploaded ) Experian has delayed and requested the same documents over and over. I have been on hold with the company for over two hours several times. Several of there fraud specialist have not even known 605 law of the fair credit reporting act. I have sent the need documentation that under the act certificated mail and it is been signed for by a representation but they say they have not received it. The state that upon receive not when ever they find or get around to I want these items removed and immediately blocked. I believe they have no re guard for the law and individuals rights. Up loaded documents included FTC fraud affidavit detailing all fraudulent accounts.

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 2015-11-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am disputing information recently sent to me by Experian on report frompreviously disputing inaccuracies on my credit report. This information detail personal information such as name, co-spouse, and telephone numbers. The accuracy of this information is important to the respect of XXXX parties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-22
Company: Southwest Credit Systems, L.P.
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 is not mine

Complaint:
I have never had a contract with XXXX as a cell phone carrier. I have disputed the debt several time with the CRA and have had the debt removed from my report. Yet, XXXX will contract a different debt collection agency and they will reapply the debt to my credit report after I have won the dispute. It 's an endless cay and mouse game. I have asked for proof of the debt from XXXX and I have never received a response showing proof that I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recording says that they are seeking information concerning a debt and to please call XXXX. The recording then stops. They call daily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation