BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-04
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The issue at hand is my servicer Shellpoint. I have been trying to resolve the issue of my past due payments with Shellpoint. Over the past few years and months I have received correspondences from Shellpoint with different past due amounts. I would like to know : Why the amounts past due keep changingHow did the past due amounts jump from only {$190.00} in XXXX XXXX to {$800.00} in XXXX XXXX. 
I have received my payment history from Shellpoint, but there seems to be fees that were told to me verbally that do not appear to be in the payment history, or, I may be misunderstanding my printout. It was told to me that there was a " Third Party Recovery fee '' of {$250.00}. What was the fee for? 
In XXXX XXXX, there was an insufficient funds charge for a check that bounced, I mailed in a money order for {$140.00} to cover the insufficient funds ( {$20.00} ) and my payment of {$120.00}. I feel I do not owe the {$20.00} insufficient fee because I paid it along with my mortgage payment. 
Can Shellpoint please explain to me how my payments are applied, to principal and interest, escrows or fees which is applied XXXX? 
Last year in XXXX XXXX, I spoke with a Rep at Shellpoint, do believe her name was XXXX, I called XXXX and we set up a payment of {$110.00} in addition to my regular payment that comes out of my account electronically. I sent in the additional payment of XXXX and it was returned stating that I did not have send in a full payment. Please help me get this straightened out once and for all. 
I would like to know what do I actually owe that is past due? XXXX amount, not several different amounts. I have attached documentation to support my complaint. 
Thank you kindly for attention to this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is an account being reported on my Equifax credit report as an OPEN account in collections. The account has a {$0.00} balance and was discharged in Bankruptcy yet is still being reported as OPEN. This should be a closed account. The following is showing on my EQUIFAX Credit Report : Agency : XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXX Date : XXXX XXXX, XX/XX/2011Status : Open

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Rent Recover, LLC
State: PA
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 was living with my parents about 8years ago and we moved into an apartment together. I moved out 6 years ago and turned over the paperwork that I moved out and my parents would be only people living at that residence. 2 years after I moved out my parents fell on hard times and unfortunately could n't afford the XXXX bedroom rent at this complex. They were XXXX from this place for back rent owed. I was unaware at that time that this company never removed me from the leasing agreement as the old complex manager left the company and never forwarded the paperwork to the office ( or did ) I do n't know. I saw on my credit report that they are going after me for this debt in which i was n't living at this location and had a new contract for several years with my current landlord. I called Rent Recover a couple years back to get this taken care of and sent them my current leasing agreement, etc. They never contacted me back and I did n't think anything about it until recently when I 'm trying to get a mortgage for a house. This is still on my credit report. I contacted Rent Recovery several times ( XXXX ) and spoke to a XXXX XXXX who stated that their is n't much they can do except for me to pay the balance with interest. I reached out to the old leasing company as well and they wo n't do anything either. I am not sure if they never received the information that I was n't living at this residence or had knowledge and decided to ignore it and seek payment from anyone. Rent Recovered refused today XXXX/XXXX/15 to release the validity of the debt to me and would no longer help me unless I pay the balance. One thing I left out, they removed the collection from my credit report on XXXX/XXXX/15 and reissued it on XXXX/XXXX/15 as a new debt with c/o owners on it. I have that documentation. I confronted them about it today and he pushed it off as a mistake by the credit report agency. I 'm stuck between a rock and a hard place and do n't know what my rights are and where should I go from here. Could you help me or direct me to someone who could help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took a credit card for furniture ( in store card ) XX/XX/XXXX. The original debt was for {$1800.00} Interest free. The Debt was sold from XXXX to XXXX XXXX to The XXXX. From XX/XX/XXXX- XX/XX/XXXX I paid every month as promised. I never missed a payment and it was on " autodraft '' so I was never late. I ended up paying {$2100.00} over 4 years. Keep in mind through-out this 4 year period I stopped receiving bills from XXXX, I called as to why and nobody could help me. I had no idea it had been sold to XXXX XXXX until XX/XX/XXXX when I was contacted by a collection agency asking for {$1900.00}. I back tracked again XXXX, who again knew nothing, I called XXXX XXXX, who told me the debt was not theirs anymore and knew nothing. My issue is I have proof that I paid the loan in full via my bank statements. {$53.00} a month every month. However, nobody can explain or show proof as to why 5 years later after paying {$2100.00} on a {$1800.00} interest free credit card ... I now owe {$1900.00}?! That would be {$4100.00} on {$1800.00}. Please help me. This has ruined my credit and the collection companies are saying I still owe them money on a debt that NEVER existed to be sold!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Shellpoint Mortgage Servicing company has been reporting that I am overdue {$4.00} on a XXXX mortgage that I paid off in XXXX 2014. I am trying to take advantage of a refinance opportunity on my home mortgage so that I can finally get ahead on my budget. I sent Shellpoint a check for {$5.00} to clear up the balance again. They said that there were over {$2000.00} fees transferred with the account and I need to contact Resurgent. XXXX XXXX owns all of these servicing agencies. I have requested a breakdown of the fees and I get nowhere. Each time I inquire about the balance, I get targeted for more fees. This is so unfair. This loan was originally with HomEq. They sold to Resurgent. They sold to Shellpoint. I have worked so hard to get my finances back in order after Hurricane XXXX. I paid every bill that I owed even if the creditor had closed the account and gave a bad report to the credit bureau. I paid every balance. My credit bureau report shows that I have XXXX balances on accounts during that time. Now Shellpoint is reporting that an account I paid in full has not been paid and they are reporting this lie to all XXXX Bureaus every month. I do n't know how to get this removed from my credit. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-07
Company: Hameroff Law Group, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
After what I considered unfair treatment by XXXX, I had a credit card charge-off in XX/XX/2008. A few months ago, my wife was served papers for a lawsuit filed by a collection agency with my name and hers as defendants. More than six years had passed since the approximately {$7500.00} debt had been charged off, and now a debt collection agency in XXXX was suing me. I feel there are many problems with the suit, among them the amount of time since the charge-off, the fact that no attempt was made to contact me about paying the debt, my wife and I did not know each other at the time I incurred the debt and it was charged off, yet now she was named as a defendant, and I was never given the opportunity to 'have my day in court. ' I filed a response at the courthouse ( at a cost of almost {$300.00} XXXX, and was never granted the opportunity to plead my case. I heard from the law firm suing me that I lost and also that there was to be a hearing about garnishment, but all of these communications were sent ( I believe purposely ) to an incorrect address so that I would not receive them. Now my paycheck is being garnished, and I have never had the chance to speak in court. I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: RGS Financial, Inc.
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:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-15
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone opened an account with a cable service at an address that I have never lived. I have contacted the collection agency that is on my credit report numerous times and informed them of this. /i have even offered to pay it just to get it off of my credit report. They have responded with a bogus letter, representatives were very rude, and is giving me a very rough time with this account. I have submitted a dispute with the credit bureaus and they keep verifying it but they have no contract or anything to supply me with to see who opened this account. Im not sure what else to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-19
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have now got a letter from pmab saying I now owe XXXX it was XXXX. I got the rest of XXXX and it does n't total XXXX it says previous debts which from the last letter it was only XXXX. Now this letter added, it looks to me if something is missing. I do not know where the rest is taken from. I do not owe this total amount unless it has been sent all medical to pmab. I am on XXXX and it is a protected income or exemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Premier Portfolio Group
State: IA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a call at work on XXXX/XXXX/XXXX at approximately XXXX CST. The call was from a company called Premier Portfolio Group claiming that I owed a debt from XX/XX/XXXX. First, I did not recall the debt and was shocked to find out that I owed money to this company because I check my credit monthly. XXXX XXXX was the representative I spoke to initially. I started asking questions trying to validate that it was an actual company and not fraudulent. XXXX transferred me to XXXX. XXXX asked me how I could help her. I stated, I just need your business address to verify you are a legitimate company. XXXX stated it is not her company 's job to verify they are legitimate and I was to respond to the debt. I explained to her I do not recall the debt and if she could send me something that I could look at. She explained letters have already been sent and that I should have responded to them. I stated I did not recall receiving any letters from her company. She took down my email address and said she could send something now to my email address. I have not received paperwork at my email address. I asked her is n't she required to send written documentation after she has had contact with me. She said no and that if I do not response I will be taken to court and sued. I DONT EVEN KNOW WHAT THE DEBT IS??? She asked me if I am disputing or validating the debt. I explained to her I am doing nothing because I do not know what exactly the debt is and again asked for some kind of written documentation to be mailed to me. She said no, it has already been sent. She again asked if I was disputing the debt. I told her to do what she has to do, I am not disputing or acknowledging the debt, but will figure out what it is once I get the email. She said unfortunately, once she hangs up the phone it is final and can not be reverted. Huh?? I asked her to NEVER call me at work and gave her an alternative method to contact me via cellphone. 

Note : The company also stated they are collecting the debt plus XXXX for court fees. I have not went to court??? or been served! 

All I need is the company to provide details on the debt so I can figure out what is going on and make arrangements accordingly if it is legitimate. I do not appreciate being threatened with court if I do not respond the exact minute they call when I have no idea what the debt is. 

Please address this with the company, and I would still like to see what the documentation or debt is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 an unknown person opened multiple accounts with Truist utilizing the online portal. I contacted Truist on XX/XX/2022 after receiving a debit card in the mail and they put a fraud hold on the card, but did not close all of the 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 explanation
Consumer complaint received 2016-10-17
Company: Lending Club Corp
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Lending club charges if you try and use a paper check. They only allow ach for free. 

after further research, their usuary limits exceed what massachusett law allows. I was under the understanding this was a legal loan interest, but have recently found out it is not. Recent courts have determined they need to abide by the state usuary law despite where they conduct their business

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a XXXX account with Citibank on XXXX XXXX, 2015 to take advantage of a promotion -- fund the account with {$15000.00} and perform XXXX billpays for the first two months and receive XXXX Citi XXXX points. When I opened the account, I downloaded a copy of the " Promotion Disclosure '' ( attached ), which stated " [ t ] his offer is available to targeted Citi cardmembers who receive this communication and who have an existing ThankYou Member Account associated with their Citi credit card. '' I fulfilled the terms of the promotion, but Citi refused to honor it and award me XXXX Points. Citi says that I was not targeted for the promotion. But the terms of the promotion I printed out indicate that I was targeted as I received the communication of the promotion 's terms and printed them out. If Citi 's argument is that I needed a personal invitation to the offer, it certainly is a sophisticated enough entity to send out promotion codes that are unique to certain individuals. Instead, Citi purposefully used a generic promotion code that could be used by anyone. Citi then confirmed that I was eligible for the promotion and induced me to place {$15000.00} with them for months and incur several {$30.00} account fees, without honoring the promotion. 
I believe Citi should honor the promotion and award XXXX points to my account. Thank you.

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 2016-01-01
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Other

Complaint:
Banamex USA cancelled my credit card number XXXX XXXX XXXX XXXX on XXXX 2015, I reported the issue with CFPB XXXX and did not get a solution to my problem. After that I decided to apply for a credit card in another bank and it appears that my credit report does not include my Banamex USA credit history. I sent a request to Banamex USA to correct this on XXXX/XXXX/2015 and they responded that they could not. 
I need my credit history with Banamex USA to be included on my credit report, my social security number is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: CITIBANK, N.A.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contacted neighbor by phone, despite not having permission or information by debtor to seek contact via this party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see below for copy of letter that I will be sending to PHH mortgage the current servicer of my loan. I have contacted Ocwen the prior servicer and PHH once before. 

" This is the third letter sent regarding Trustee/Title fees in the amount of {$820.00} that were added to my mortgage amount AFTER my loan was modified. The modification documents were drafted and sent to me and bear my signature with a date of XX/XX/2018 with the first modified payment due on XX/XX/18. I spoke to Ocwen Loan Servicing customer service department when these fees were first added and explained to them that it is a lending violation to add fees related to the modification after the modification has been completed and signed by both the borrower and the mortgage servicing company. After this discussion, those fees were removed from my statement but appeared again on Ocwen Loan Servicing statements and now the fees are showing on the statements from you. The fees should have been a write off for the servicer as non-recoverable. Please review the modification agreement that was executed by both Ocwen and I and you will see that the fees were not part of the modification agreement and should be removed. 
I am requesting again that you remove these fees as I should not be responsible for fees that were billed to the servicer after the modification agreement was executed. I have sent a copy of this letter to both the Attorney Generals office and the Consumer Financial Protection Bureau to assist. 
Thank you for your attention to this matter and I look forward to hearing from you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I opened a checking account of {$100.00} on XXXX/XXXX/2016 and savings account of {$15000.00} on XXXX/XXXX/2016 at Citibank in XXXX XXXX, California. In XXXX instances I used a check from my personal checking account at XXXX. XXXX cleared the same night. My XXXX checking account was debited by {$100.00} on XXXX/XXXX/2016 and {$15000.00} on XXXX/XXXX/2016, nevertheless Citibank only posted {$10.00} available in each case. I called customer service and also XXXX XXXX branch manager XXXX to let them know that my checks cleared and they needed to credit my Citibank accounts accordingly. Citibank placed a 5 days hold on my money. I did n't have the {$15000.00} in XXXX nor Citibank. This is plain fraud, they are profiting from this illegal hold. Please see cancelled checks paid the very same day it was written. Also see letter of explanation from Citibank. If Federal regulation require them to provide a notice if there is a delay in posting the money into an account it has to be TRUE. They ca n't tell me that the they are waiting for these items to clear because they cleared the very same day I presented the check to them. 
I hope that the CFPB stops Citibank from profiting illegally from customers. 
Thank you Attached : Cancelled check and Letter from Citibank

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 2017-01-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
For the past three weeks, I 've been getting bombarded with convenience checks offers from Citibank in the mail. I wrote one convenience check and I deposited into my bank account at XXXX. A couple of days later, the check was returned by Citibank citing that I exceeded my credit limit and I was charged {$15.00} returned check fee by XXXX. 
The marketing materials that Citibank sent, one a week, is very misleading. The marketing materials tell you what your overall credit limit is. Then they tell you in another part of the marketing materials what your available credit balance is, but in fine print are the charges and fees that are charged. 
In my opinion, the presentation of the cost of the fees is buried in the marketing material and is misleading. The marketing materials are misleading since the fee are not explained properly and is in very small print as opposed to your credit limit and available credit is in a larger font. I would like Citibank to reimburse my the {$15.00} returned check fee charged by XXXX via a statement credit on my Citi Double Cash credit card statement. In conclusion, I believe the marketing materials are misleading and I should be reimbursed the {$15.00} charged by XXXX.

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