BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been unsuccessful in getting Caliber to rectify a problem they created which has now put my mortgage loan into default. This problem started in XXXX XXXX, and I have had to resort to filing a complaint with the PA Dept of Banking which prompted Caliber to finally admit an error was made but only corrected some of the issues. The negative spiral that has occurred is all due to Calibers initial mistake and their refusal to remove escrow from my account even though they provided the amount needed to zero escrow balance in order to remove escrow. I have attached my chronology and pertinent documentation, and the actions I want Caliber to complete to resolve this issue. Below is a brief overview of the problem.

1. I closed in XX/XX/XXXX and voluntarily elected to have my mortgage escrowed 2. My township did not send any tax bills for XXXX 3. In XXXX, my township sent tax bills for both XXXX ( {$5500.00} ) and XXXX ( {$7300.00} ) which Caliber paid totaling XXXX 4. The XX/XX/XXXX escrow statement inaccurately estimated my XXXX taxes to be XXXX when it should have been XXXX. Caliber had also refunded escrow surplus to me when the XXXX taxes were not billed. The new XXXX  monthly mortgage payment was mistakenly more than double going from XXXX to XXXX per month. 
5. Since XXXX I have tried everything to get this fixed and requested/demanded that escrow be removed from my mortgage. Initially I worked with XXXX XXXX from XXXX and when she was not able get the problem resolved, I advised her and Caliber several times through email, phone calls and certified letters that escrow should be removed and I would pay principal and interest only ( {$1400.00} ) starting XX/XX/XXXX. 
6. Caliber has cashed each timely P & I check but considered it partial payment and has reported late payments to the credit bureaus which caused my credit score to drop XXXX points! 
7. In response to my letter of complaint with PA Dept of Banking, Caliber finally admitted their mistake and on XX/XX/XXXX revised the escrow statement to reflect XXXX. They also said that I was XXXX in escrow arrears and to remove escrow, that amount had to be paid. 
8. I immediately sent the XXXX but escrow has not been removed, my monthly payments have not been properly allocated to P & I, late fees generate have not been reversed and the derogatory reporting to the credit bureaus has not been rescinded. 
9. On XX/XX/XXXX Caliber generated a letter that stated my loan was in default 10. My taxes are due to the township by XX/XX/XXXX. I will be making the tax payment to the township directly. Caliber should not be making any payments for taxes or insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My CashApp card was locked. Overnight CashApp allowed transactions to post even though my card was locked and then overdrew my account. I tried to work this out with them but they are refusing to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: ASSOCIATED BANC-CORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Signed up for account with {$200.00} sign up bonus. Completed all the requirements but bonus was not deposited in account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/23, I noticed my credit score went down XXXX points which was alarming as I've been paying my XXXX  credit card on time and I have not been using it. I noticed there were XXXX hard checks done by XXXX XXXX and XXXX  XXXX XXXX and I did not contact those banks to open credit cards. I only have one card and I only need one card. The next day, there was also a credit check from XXXX XXXX  XXXX I contacted the companies and they sent me to the credit bureaus to try and call them. I believe I was able to put a freeze on my credit accounts but I need these credit checks off my record. This has never happened to me before so I want to ensure I am taking the right steps to protect myself as well as get these off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Revolut Technologies Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Revolut, a prepaid debit card, offers subaccounts called vaults, where money on deposit with the card can earn interest. In my case, the offer is to earn 3.25 % on balances placed in the vault. Due to defects with the Revolut application, I receive an error when I attempt to create a vault. 

The only way to raise a concern with Revolut is by chat. They do not accept phone calls. A chat regarding this issue was commenced at XXXX on Monday, XX/XX/XXXX. After nearly four days the problem remains unresolved and the multiple employees who have joined the chat have provided ineffective assistance, inconsistent information and overall deceptive guidance. 

Attached is the complete chat log. I have withdrawn all the balance using an ATM, but that left XXXX XXXX  on the card that an ATM machine can not dispense. It is hard to come up with a place that I can spend the XXXX XXXX balance but I will continue to look for that opportunity so that I can get the card back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: MM Finance, LLC, Bellevue, NE Branch
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have a loan out threw ez money and they are threating me with court i live in iowa im low income they had someone serve me i owe XXXX i need to set up a payment plan check cashing i haven't received any phone calls to settle this debt or any mail i feel like there trying to scare me in to paying the amount i understand its owed to them but i can't afford much with one income and XXXX kids XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I bought a XXXX XXXX from XXXX  in XXXX XXXXXXXX al in XX/XX/XXXX. I financed it through regional acceptance. I had the car 1 month and was in an accident XX/XX/XXXX. I was not at fault per the police report. The at fault partys insurance XXXX paid XXXX check number XXXX and my gap insurance paid XXXX something which left a remaining balance of XXXX dollars. The remaining balance was owed by the warranty dept at XXXX. Fast forward to XXXX and I have my credit ran as Im trying to buy my first home and low and behold a collection account from regional acceptance for XXXX dollars. After several phone calls to regional acceptance I tried to explain that the remaining balance was owed by XXXX per my insurance company and offered to provide proof. Regional acceptance stated Im liable for the remaining balance until they receive a check and that the collection account will remain on my credit report for 7 years. XXXX  in ft XXXX was very diligent in righting their wrong. XXXX XXXX worked very quickly to resolve this issue. They sent a check for XXXX to regional via XXXX  check number # XXXX. Ive called regional acceptance several times to see if they have updated my account so I can have this removed from my credit since this is not my debt. I called and they forward me to the collections dept. when Im forwarded to collections Im hung up on. Ive called and left voicemails for a phone call back. No call was returned. I just want my account in good standing and have Regional acceptance remove the collection debt from my credit report since it was not my debt to begin with and shows it was paid as agreed.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-07-20
Company: Zions Debt Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

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 2022-02-01
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by SOUTH WEST RECOVERY SERVICES about an alleged debt they where try to collect on which I never signed any contracts with them please provide me the documentary of Evidence 15 U.S.C 44 with my name in wet ink and SOUTH WEST RECOVERY SERVICES REGISTERED AGENT Names on the contract as well South West Recovery Services is also in violation of failure to communicate that a disputed debt is disputed 15 U.S.C 1692E ( 8 ) I told A SOUTH WEST RECOVERY SERVICES representative I was aware of any alleged over the phone and they still listed on my credit report which is also identity theft I never gave them any written consent to put anything on my consumer report

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Ive sent all XXXX beaus letters in regards to verification of a XXXX credit card account thats incorrect and also ceased from communicating with XXXX ( XXXX ) XXXX. Im asking for verification of debt of chase account being incorrect reported as missed multiple payment. Per XXXX XXXX asking for verification of debt and also how did all XXXX beaus come with such information being reported on my account in regards to XXXX miss payments to a XXXX account.

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 2019-10-09
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FLXX/XX/XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 2021-05-07
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I went to the ATM today to take money out of my Chase Bank account. I had a checking, savings, and had recently opened my daughter a bank account as well. It would not let me withdraw money from the ATM so I went inside. They told me they had closed my accounts, without warning or prior notice, and that my money was restricted. After over an hour, I got the majority of my money from them. They could provide any explanation as to why they closed my accounts. The VP Branch Manager XXXX XXXX was able to do a conference call with myself and corporate office number to try to get an explanation. I was advised this was a recorded call, so it will be available if they allow it. They told me they did not have a reason to close my accounts, that if I looked at page XXXX, and referenced exact details of my account agreement, that it stated they had right to terminate a relationship at any time. She went on to explain they did not need a reason to decide they did not want to do business with a customer and can terminate it without reason. I said that banks still usually have a financial reason and they don't seem to have one in my case. I informed her that after doing a quick XXXX review, I discovered Chase has been accused of targeting conservatives. I am not a registered XXXX but as unaffiliated have voted in a few XXXX primaries, and believe they discriminated against me due to perceived political affiliations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Roboinhood Restricted my account for no reason without telling me why and now they wont let me transfer the money i put into the account out of the account. They are holding my money and wont do anything to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 and XX/XX/2023, I filed two Debt Validation Letters for two separate accounts with Resurgent Capital Services requesting them to Prove the Claim and to forward me the proof and following items ; 1 ) Verification that an Attorney read their Notices sent to me on XXXX XXXX. 
2 ) Legal authorization that they are licensed. 
3 ) Legal authorization that they have jurisdiction on this matter as I am a Michigan resident and they are located in South Carolina. 
4 ) A copy of the Application. 
5 ) A copy of The Purchase Agreement. 
6 ) A copy of the Original Contract. 
7 ) Monthly Statements, Purchases, and Pin # s to verify alleged debt. 
8 ) Verification of my signature authorizing Resurgent Capital Services to collect any alleged debt. 
Resurgent Capital Services have failed to provide adequate documentation to prove the Claim of Debt and simply has only forwarded a copy of an Account Summary that any professional hacker could create or get their hands on. There arent account details or any specific information on the Account Summary they forwarded me. 
Resurgent Capital Services are in violation of federal and state laws of 15 USC 1692 where they are mandated by law to provide documentation to prove the Claim. 
In phone calls with Resurgent Capital Services regarding this matter their Supervisor and the Compliance Department have told me that they will not provide these documents. The last phone with the Compliance Department was on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called the National credit adjuster on XX/XX/XXXX, spoke with a rep, gave a statement, and sent an XXXX identity theft report via the email specified in the call. On XX/XX/XXXX, I visited the National Credit adjuster website, filed a complaint, and provided a report. On XX/XX/XXXX, I filed a dispute with XXXX and provided a copy of the identity theft report. On XX/XX/XXXX, I contacted the CFPB. In XXXX XXXX 's response, he has advised doing the same things I have done multiple times with no response. Also, XXXX XXXX failed to mention that I filed an identity theft complaint with XXXX when the account belonged to them, and they removed the negative item and closed the account. The negative item then reappeared when NCA purchased it from XXXX. XXXX XXXX is asking me to do what I have done from the fraudulent account was brought to my attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I left these out on the other complaint. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX REF : Confirmation Number XXXX I am writing to dispute the following data in my credit file. I have listed all inquiries below. It is a letter meant to bring unnoticed mistakes to Equifax 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. I have severe problems with XXXX XXXXXXXX XXXX! These kinds of companies are probably responsible for different breaches at Equifax. 
My credit file was a breach was years ago without any compensation. I completed all the appropriate I am still trying to get my V. A. Loan that I have rightly earned. I sent certified letters to you all over sixty days ago. Please delete these as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? 
Why should my family continue to stay in a XXXX since I can not obtain a loan? Why has this been going on for nearly two years? Why will Equifax not take their knee off the necks of XXXXXXXX XXXX, particularly my neck? I am begging to have these inquires, and you all will not let me breathe? Could you all show XXXX 's kindness to Veteran who risked his life in fighting for a country I love dearly? Equifax could make this right in a matter of minutes. 
Inquires 1- XXXX XXXX Show Details XXXX 2-XXXX XXXX XXXX Show Details XX/XX/XXXX 3-XXXX XXXX XXXX XXXXXXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX is essentially owned by XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Vehicle was repossessed and sold without my consent nor any information was given to me in regards to when the vehicle was resold and for how much it was sold for. Under the laws of Illinois UCC-9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and core time limits were adhered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Americor Funding, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls 3 or 4 times daily, significantly exceeding their 7 allotted calls in a seven-day period. This is considered harassment and violates the FTC regulations. Their number : 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 explanation