BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: Guild Mortgage Company LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been in forbearance 18 months due to Covid. We recovered and had requested a Loan Modification from Guild Mortgage. They sent out the written agreement and we returned it on XX/XX/XXXX. They claimed we did not fill it out correctly and sent another packet on XX/XX/XXXX. We signed that ( notarized as before ) but they their attorney provided a bogus shipping label that even XXXX can not find even though it was shipped through a XXXX carrier. We have contacted Guild dozens of times, but they refuse to resend new paperwork and have stated we will now play a waiting game? Whatever that means. We are concerned that Guild is perpetrating a fraud to undermine our attempts at compliance based on non-participation on our part. XXXX has denied our claim for lost package, so we have copies of the original agreement and are organizing another paperwork submittal we will include copies of the originally sent XX/XX/XXXX that includes the address stickers they affixed to the documents and the notarized signatures on the lost package. We can provide all documentation to the aforementioned and are currently at a stalemate with Guild. Their attorney whom the loan modification paperwork was addressed ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX Tx., XXXX XXXX telephone XXXX ) Will not verify if our paperwork was received and claims they can not reply to such questions because we are not their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX MULTIPLE CONTACTS WITH LENDER AND CONTINUE TO RECEIVE RUN AROUND AND BEING TOLD TO CONTACT CREDIT BUREAU FOR REMOVAL OF LATE PAYMENTS

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 2017-10-31
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Without notice, explanation, or legal authority, Caliber claims that I owe them more than {$2000.00} in escrow arrears. Any shortage is the direct result of Caliber 's failure to adequately prepare for the XXXX 2017 annual property tax bill. Now, due only to Caliber 's error, Caliber has unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I sent a letter to the credit company on XX/XX/2021 and they never got back to me so by law they need to remove ( us bkpt # XXXX ) and us bkpt # XXXX they had up to 30 days to respond and they didnt and did not remove this from my account. these accounts do not be long to 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 2019-04-07
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Loan Me offered a business loan to my company XXXX XXXX XXXX and never told me that they were adding this loan to my personal credit, putting me as a co-signer. They lied to me, they also lied saying that I only needed to make 4 payments and then they were going to give me better terms, they were going to restructure the loan, I just needed to establish a " relationship '' with the company. It has been more than 4 payments and they have not readjusted the terms which are outrageous and predatory. With a 94 % interest rate, to pay over 10 years at a $ XXXX monthly payment. From a {$9000.00} loan, I will end up paying {$84000.00}. They lied and scammed me into this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am submitting this complaint on bank of america. I had an account with them back in 2011. I had paid this bill in full years ago. To my surprise upon veiwing my credit reports I noticed that this account was reporting as a charge off. I immediately started looking into this. I made numerous phone calls ... ..sent in a identity theft report etc. Today I spoke with a rep from bank of america and we went over all the transactions that were done from years ago. I explained that I did not do these charges nor cash withdrawls and I should not be held responsible for this. The rep went through everything and said she will not mark this as a fraudulant account because payments were being made on the card during these fraudulant charges. I explained that at the time I lived in a house where I rented the downstairs apartment and other people rented the upstairs but we all shared 1 mailbox. I would like to note that I did fill out a police report at the police station when I first noticed that my bank account had been hacked into along with another credit card that I no longer have. ( XXXX  XXXX  XXXX ). I also have noted on my credit reports from years ago that I was a victim of identity theft. I am submitting this complaint because I am being held liable for charges that I did not do. This is affecting my credit along with my credit worthiness. To my knowledge from legal advise I was told I can request to have this account hidden from creditors on my credit reports until the situation is rectified. I am being sent copies of all the transactions. I have already comtacted the police department over in XXXX ny to request a foil copy of the police report that I made back years ago when this happened. Bank of america is holding me liable for a debt that I did not incurr.

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 2019-04-07
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called few times to remove this collection accounts from my Beureau- cfsi XXXX XXXX XXXX : csfi manager XXXX XXXX XXXX XXXX : on XX/XX/2018 She promised to remove it due to mistake. I have been identity theft victim. Never have been in hospital or any debt and they still reporting wrong and causing me damages I found that 46 like my name have in us but I cant do anything. I sue XXXX ans XXXX ans the paid compensation. I will give company XXXX / cfsi or whatever there name 7 days to remove or will sue them as well. Please advise them for the last time! 
My last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Advise to my email please : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Experian Information Solutions Inc.
State: TX
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:
never applied for any of these please help XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2022-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I signed up with a promotion with Capital One last year XXXX for 0 % interest for 9 months and I'm being charged interest. I called in last month in XXXX, gave the representative the information of when I received the promotion and I redeemed it in my dashboard. She told me should couldn't help me but would transfer it to a department that would contact me in XXXX business days. That department never called me back. I called in again last night. The first representative told me she saw the promotion but couldn't refund the interest and transferred to another department and that representative said he couldn't credit the interest fees and he didn't see where the first person when I called in XXXX submitted a case and now I would have to wait another XXXX days for it to be reviewed. I asked to escalate it and he said he couldn't and there was nothing he could do. I told him I was going to send a complaint because this is impacting me and he just apologized. Meanwhile, spoke with other department because a XXXX payment is not processing. The initial person told me she did something on the back end and to try in 5 minutes. It didn't work, so they transferred me to someone else who was supposed to help. When I was transferred they said I came in unverified and wanted me to give my full account number or ssn to a live person which I told them I wasn't comfortable doing can I type it in. The he said they were closed and if he put me back in the queue I wouldn't get anyone. I asked if I could file a complaint or if someone could call me back and he said they have 20 XXXX for returned calls and that is ridiculous. Now, I'm back on the phone in the morning for another 30 minutes after being on the phone for an hour last night getting the run around and being routed to the wrong places and the multi level verification that only has limited options. This has been an awful customer service experience all around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I 'm currently paid ahead on a XXXX XXXX school loan. 

I 'm attempting to make a principal payment. I understand that the payment will first be applied to interest ( i owe approximately {$30.00} in interest and am attempting to make a {$1000.00} payment so $ 900+ should go to principal ). 

There is NO option to do this online, if I make the XXXX payment it will automatically pay as a payment and just advance my due date. I do n't want to pay 10+ months on this loan, I want to pay down the principal. 

I 've called the lender and was, at first presented with this option : Make the payment online, then contact them once it posts ( 2-3 days ) then they will request that that payment be changed to a principal only payment but that could take 2 weeks. In the meantime, I 'm paying interest on the entire principal amount while that money is sitting in limbo. 

Finally, after extensive complaining about how cumbersome this process is the representative offered to make a phone payment ( free of charge ) which should mean that it only takes 2-3 days to process. 

I 'm frustrated that it 's not easier to make a principal only payment on student loans. I 've paid and will continue to pay a ridiculous amount of interest on these. I understand that. I have n't defaulted, my payments are current and I 've accepted that this is my burden. But there should be reasonable means available to pay off principal. 

- A sincerely frustrated borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX Account numbers XXXX and XXXX, have both violated my rights.

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 2017-10-31
Company: Receivables Performance Management, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency has listed this on my credit profile without proper validation. I do n't have a contract signed with this agency or the original creditor. This collection agency has failed to send proper papers via mail notifying me this before listing on my credit. I have contacted this company and a csr stated it will be removed and sent back to original creditor. This has not happen yet. I will exercise all my rights since this is hurting my credit extremely and proper measure has n't been taking with the company.

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 2017-10-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Please find enclosed printed account records to support the following problem with my accounts. On XXXX XXXX, 2017 I  made a mobile/Internet Banking transfer of {$1000.00} USD from my HSBC Premier Checking account # xx-xxxxxxx to my HSBC Premier XXXX account # XXXX, Transaction Reference # XXXX. As the records indicate the amount was debited from the Checking account but was not received in the XXXX account. This has affected the balance as now incorrect and caused more interest to be charged than should have been. 
Would you please look into this matter at your earliest possible opportunity and post the corrected amount to my XXXX account and adjust the interest payment. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
To whom it may concern : 1 ) My credit card limit was reduced three times, and although I received a notice about the decrease, it was insufficient. After Barclays Bank decreased my credit limit, then I get a notice in the mail, after the fact. 

2 ) The corporate ( office of the president ) representative XXXX XXXX, has been very unprofessional and discourteous. She sent me a letter rudely stating that she would NO LONGER reply to my complaint, which is absurd. 

3 ) The whole experience in Dealing with XXXX XXXX has been horrendous. She is very condescending and unpleasant. She did not specifically tell me why Barclays reduced my credit limit, other than to tell me what 's in the credit report -- which is n't derogatory. I have paid this account and all others on time. She sounded like a broken record and would not adequately communicate with me as a person, but treated me like a robot. 

4 ) My credit line should be restored back to {$10000.00} and should have never been reduced. The next time I get a notice, it needs to be BEFORE they reduce my credit limit, not AFTERWARDS, which is too late. 

5 ) Barclays Bank has caused my credit score, which is relatively high, to lower. This is derogatory against 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 2019-08-07
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX XXXX  was already found to have illegally used my XXXX XXXX card account in ways not authorised and for work not completed ( roughly $ XXXX ). 
When I contested the charge with XXXX XXXX, they found in my favour and reversed the charges after I submitted an FTC complaint against them. ( Initially, their customer service was awful and could not follow the simple logic in understanding my first sentence, above. ) Once the FTC complaint was resolved, and XXXX XXXX refunded my money that the XXXX had illegally charged, I received ( almost a year later ) a collection notice that the XXXX - not XXXX XXXX - was trying to recover some of the funds. 
The letter states that they are collecting a delinquent obligation - which is wholly untrue in every way. It also states that they will be posting this to my credit report - which is completely unfair. 
I have had to have a lot of work done, including XXXX XXXX, to undo damage done by this XXXX and his [ at the time ] UNLICENSED XXXX. 
Attached is the letter from the collection company, and please note the XXXX XXXX case that I referenced : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: National Business Factors
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider ( this can be seen in the XXXX attached ). This left me with a responsibility of {$250.00} to be paid to the provider. I use an XXXX through connect your care powered by premera. I have paid many medical bills through this process over the past 5 years with no issues until this one. 

Also attached below is the proof of payment of the {$250.00} owed paid via my XXXX account. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report ( attached as well ) for the exact amount that I have confirmation/proof of payment. 

I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
I received a call from XXXX XXXX stating I owe money for a medical debt. I advised them that I have no knowledge of that debt and to please provide information in writing. They never contacted me again or sent the information in writing. Now I see a collection on my report, and I don't know what it is about?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: AMCOL Systems, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
AMCOL SYSTEMS INC Account # : XXXX Date : XXXX XXXX, 2015 I have a collection account on my credit report from AMCOL SYSTEMS INC. Please be advised I am disputing this collection due to the fact the AMCOL SYSTEMS INC does not currently have a valid license to collect debt in the State of North Carolina according to the North Carolina office of financial regulations, I am requesting that you delete this account from the file or provide me physical proof that you are licensed to collect debt in North Carolina. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Vital Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX in the payment solution department about a collection letter I received in the mail XX/XX/XXXX. The date on the collection letter is dated XX/XX/XXXX stating that I owe XXXX is the balance due in full now this account was placed for collection to Vital recovery services. I told XXXX that I am only 30 days late and I 'm sent to a collection agency for the full balance. Wow I dispute that balance cause on the site it is XXXX. So the collection agency added extra money and still adding according to the letter it might be more depending on when it is paid. XXXX from the payment solution department told me that all I have to do is pay the past due of XXXX plus late fees that might not been added yet to bring my account current then call them and they will buy back the loan I was also told that I need to make that payment to Vital Recovery Services. This makes absolutely no sense. I was also told that the balance was incorrect it should be what I stated above the XXXX so not trusting there so call collection someone have there communication crossed. I believe that XXXX XXXX XXXX is trying to extort more money. At this point I 'm asking for verification of this collection that was placed by XXXX XXXX. This is totally misleading and deceitful.

Company response to consumer: Closed with explanation