BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted an online refinance application to Caliber Home loans at the beginning of XX/XX/XXXX. When I didn't get a response I called them directly ( Around XXXX ) to start the process, they currently hold my mortgage. I got an email from the loan officer XXXX XXXX with rates for a 30 year FHA which is not what I wanted at all and then a request to sign a disclosure agreement. I had replied that I was not interested in that I was looking to move off of my 30 year FHA and over to a conventional with a shorter term. On XX/XX/XXXX, I got options for conventional loans. Shortly after I got a disclosure agreement in the mail. I sent an email asking about it since at no point had I selected one of the options. I got no response. I sent an email on XX/XX/XXXX, advising I had not received a response about the disclosure and would like to go with the 20-year conventional loan. I finally called and had to speak with a generic representative. I asked for another loan officer since mine was unresponsive. I then got a call from my original loan officer who said don't sign the first disclosure she would send the second. The second one came and I signed it on XX/XX/XXXX. I heard nothing else. On XX/XX/XXXX, I emailed and asked why I had not heard anything, was there something I needed to be doing. I tried to call and request again, a new loan officer or to speak to a supervisor which they did not do, they just had the same lady called me again. She sent an email saying my application was with underwriting and I would receive something from them if they needed something and it could take 3 to 4 weeks. I sent an email on XX/XX/XXXX, stating that I need information because I haven't heard anything and my cash-out refi in XXXX did not take anywhere near this much time. I did not hear back. I tried calling the loan officer but her phone says she is out of the office until XX/XX/XXXX ( 2 days ago ) and the main phone line says due to unforeseen circumstances they can not answer the phone and it just hangs up. I can't get any assistance because all the phone lines just hang up. I find this company to be so unbelievably unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXXXXXX XXXX XXXX : {$2200.00} XXXX  XXXX XXXX XXXX : {$6400.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$58.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-07-18
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American express ( along with other credit card companies ) have a policy of updating merchants who post recurring transactions with new consumer credit card numbers as they change ... so that the merchant and consumers do not experience the inconvenience of having to update accounts each time a credit card changes. I get this ... but there is a major downside that I am surprised no one has challenged yet. 

The below may be generalized statements ... but they help paint a picture : The issuers generally do not allow the consumer to opt-in to this program The issuers do not allow the consumer to know who has been provided access to the new credit card number ( no notification ) The issuers make it difficult for consumers to manage who can hit their credit card with recurring transactions. ( you have to call and tell the issuers who to block - assuming you know which merchant has the new information ) There is a huge potential for fraud with this process, and it seems in this day and age, the idea that someone can provide my personal updated credit card information to vendors I want to stop doing business with seems outrageous. At a minimum, i should be allowed to opt in or out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CULLEN/FROST BANKERS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
FROST BANK IS HARASSING ME AT MY EMPLOYER AND THIS IS A VIOLATION OF THE FDCPA I have been disputing this account by the name of FROST BANK since XX/XX/XXXX. It was opened XX/XX/XXXX, with the account number, XXXX with a {$770.00} balance. I've unsuccessfully challenged this account until now, and throughout this time of disputing I've gotten many calls harassing me. I believe the agencies aren't doing their job as I get the same typical response of correspondence. Under the FCRA, I am requesting exact proof of this negative information and help to stop FROST BANK FROM HARASSING ME - This negative information must be removed or corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have sent over 8 disputes regarding information on my credit report that doesn't belong to me! There is serious negligence on the consumer reporting side! I have an FTC report # XXXX with the claim of information that doesn't belong to me! 


As you should know Section 623 ( a ) ( 6 ) ; 15 U.S.C. 1681s-2 ( a ) ( 6 ) Section 623 ( a ) has specific requirements for furnishers of information, including financial institutions, to a consumer reporting agency that received notice from a consumer reporting agency that furnished information may be fraudulent as a result of identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that the information may be the result of identity theft, an identity theft report has been filed, and that a block has been requested.

Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to establish and follow REASONABLE procedures to ensure that it does not re-report this information to the consumer reporting agency, thus re-polluting the victims consumer report. I am demanding you REINVESTIGATE these accounts and BLOCK them IMMEDIATELY In Cushman v TransUnion, Stevenson v. TRW ( XXXX   ), and Richardson v. Fleet, XXXX, the courts ruled each time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question ...

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 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now XXXX is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

XXXX refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with XXXX including my personal checking, savings, and credit card 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 2018-12-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX I am the primary account holder, and they list my spouse as a secondary borrower. 
She has been an authorized user only, since this account was opened XX/XX/87. 
JC Penny insists that she is a co borrower, even though they can not provide proof. 
Attached is a response to my request. 
I asked for the credit application to prove to me that she signed for this account. They can not produce the application. Reasons in the letter, online application, in XX/XX/1987 there was no online process to apply. Applied in store, we had a newborn at the time, and she was not able to go to a JC Penny store. Also, she was not working at the time, and had no income to apply for credit.

If they can not prove she signed for this, or any information that was given, she should no longer list her as a secondary account holder.

I never had any reason to question this until 2 months ago when I incurred trouble paying on time. I always paid this monthly bill, and she had never even seen it.

Please assist in having JC Penney remove her name from the account.

Thank you in advance. 

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 2019-03-07
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Back in XX/XX/XXXX, a friend of mine offered to pay off my student loan. I contacted XXXX XXXX   and the US Department of Education. I went back and forth for days before a supervisor at XXXX told me to hand write a letter of compromise. I am asking that I only pay back what was borrowed, since none of my payments over the years have even touched the principal balance. 

My income driven payments went from {$45.00} to {$180.00} per month. I can not pay this and have explained it multiple times to XXXX and US Dept of Edu. The last call I received from XXXX, ( XXXX ), was rude and did not listen to me. She was hasty in saying that settlements are never offered. Im only requesting that the interest be waived and then we will pay you in full. 

Now there are missed payments being reported to the credit agencies, so my score is suffering even more because of my student loans. You are treating me like an uneducated criminal, when all I did was go to college. 

Below are my notes from conversations with XXXX representatives. 

XXXX XXXX instructed me to write a handwritten " letter of compromise '' fax it to them at XXXX account number : XXXX XXXX and her supervisor employee ID : XXXX XXXX forbearance XX/XX/XXXX XXXX XX/XX/XXXX XXXX My account should have been in a forbearance after speaking with XXXX on XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX -- - Update - XX/XX/XXXX Now my payments have jumped from {$180.00} to {$200.00} per month. My rent went up in XX/XX/XXXX and I can not afford this. They only take income into account when calculating monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXXXXXX 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a violation of my XXXX privacy and the reporting agency has violated my rights per the consumer credit/finance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
i called citi bank collection dept today XXXX XXXX and asked for assistance from them regardin monthly payments for my two credit cardss specifically during this time that i am suffering from income disruption brought about by this public health issue triggered by this corona virus. I am asking for payment suspension for 90 days while this public health issue is ongoing. They refused to grant me this assistance instead they keep on telling me that there is nothing they can do to help me and that if i miss my payments my account will charged off and wil go to a collection company. I just feel that Citi bank should consider the current hardship their consumers are suffering from because this current public health issue is totally unexpected and therefore consumers will have difficulty making their monthly payments. I am complaining about how this Citi bank is not giving any consideration to the problems their consumers are suffering from specifically income disruption brought about this public health issue.

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 2018-12-18
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company never informed me that they would report me to the credit bureau. Even after I requested a forbearance to cover THE YEAR XXXX. I was informed on XX/XX/XXXX by XXXX, XXXX XXXX representative that she was able to see ( 4 ) hardship forbearance request and returned. I spoke with XXXX XXXX  XXXX representative on XX/XX/XXXX who informed me that he sees where the company made a mistake in credit reporting and he tried to correct it. however, he was later told he could not correct it. He said I had to file a dispute to correct it. I asked the company to also go back and listen to the phone recordings for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a fair resolution. I received ( attached ) a letter from XXXX XXXX XXXX in it clearly shows my loans where in forbearance for the questionable dates in XX/XX/XXXX The company never updated their data in a timely manner before they decided to report me to the credit bureau without notifying me with an option to dispute the late reporting. FOR LOANS 1 THRU 7

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: CO
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:
Experian should not be reporting collections/chargeoffs on the two ( XXXX ) XXXX XXXX XXXX XXXX partial account number XXXX in the amount of {$20000.00} and partial account number XXXX in the amount of {$10000.00}. ( Please see pages attached from my credit report as well as a copy of my Drivers License and Utility Bill for identification purposes. ) I had gone to XXXX for a long period of time and when returning home to the United States I tried to use my credit cards. Every single time the card was declined. I realized at that moment I was a victim of identity theft. I obtained a copy of my credit report and discovered these accounts were being reported as collections/chargeoffs on my credit report. These accounts do not belong to me. I never opened these accounts nor did I ever authorize anyone to open these accounts. I immediately filed a police report, a copy of which I have attached for reference. XXXX Police Department Summary Incident Report - REPORT NUMBER : XXXX dated XXXX. These accounts need to be immediately removed from my credit report. This false reporting of collections/chargeoffs that do not belong to me is seriously harming my credit score. I have contacted the bureaus as well as the bank to fix this however, I have not been successful.

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 2018-05-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello cfpb, I contacted you in the past concerning my bank problem, I don't know if you thought it was settled but in all this time using lawyers and government offices I continue to look for closure and compensation. 
In XXXX it was brought to my attention that for the pass 14 years, bank employee or employees had been removing money from my Money Market Savings account, Trust account and checking account. I learned that after I would send my bank papers and information to several different offices, nothing came of it I was puzzled as to why a bank such a XXXX XXXX and Chase Bank would let a thing like this go unsettled. Manager XXXX XXXX XXXX at the XXXX Ohio, branch of Chase Bank either was appointed or took it upon himself to intervene with my case. He would tell them that it had been taken care of. He never looked at my bank statements or figured the numbers. In fact when I went to the bank and showed him my checking account where I deposited {$75000.00} and a bank employee removed the {$70000.00} she said my son owed on his loan, it was put in an investment firm in my daughters name without me knowing. XXXX XXXX told me they were not going to give me this money. When I first became aware of the situation, I called the bank and the clerk told me to call the CEO XXXX XXXX, I was shocked to think the CEO would remove money from a depositor 's accounts. I did write him with fax 's and letters the most recent was XX/XX/XXXX with my papers as proof. He never responded to my concerns. I feel he should have gotten in touch with me and appointed someone to look into my complaint if he was to busy to bother himself. This has taken 25 years of my life I lived in a depressed state of mind, not living but only existing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Professional Choice Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Letter dated XX/XX/2020 from Professional Choice Recovery , Inc says, in part, " You have not responded to our previous request for payment in full. It appears you are failing to cooperate '' Towards the middle of the letter states " This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose '' There is no language, wording, or indication that I can dispute the validity of the debt anywhere in this letter. The failing to cooperate sounds as if I have a legal obligation to cooperate with this debt collection agency which is shady since they are failing to cooperate with the laws around debt collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following collection account and credit inquiry listed on my on my Trans Union and XXXX  credit report is fraudulent, unauthorized and not my account or credit inquiry : XXXX XXXX XXXX, XX/XX/2018 and XXXX, XX/XX/2018.

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