BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-29
Company: Caliber Home Loans, Inc.
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have lived in XXXX, Alaska all of my live and love our state as it offers an ideal life for my family. We vote, pay our taxes, strive to be solid citizens and are bring up our children with good values. However, we have run across a problem and need some help from a person in your position to get us through the storm. We fell behind on our mortgage payments at the beginning of this year and we have not been able to deal with our mortgage servicer directly. Caliber Home Loans tried selling our home early this month, but we were able to stop the sale and we are afraid they will ultimately take our home away if we can not get them to speak with us. Its not entirely their fault as we hired an attorney to help us negotiate our delinquency, but he has done nothing and Caliber said they can only speak to my attorney. I fired him, but Caliber still wont open any discussion that would allow me to keep my home. 
They have strongly indicated that they will help me with home retention options, if they can speak to me. I am asking for your offices assistance to help me communicate with them to get the ball rolling to save my home from foreclosure. I do not need you to negotiate or get involved in any way except to open the door for me to speak with them. 

I purchased my home in 2008 and everything was going along fine. My business was doing well and the two rental properties I own were bringing in positive cash flow each month. However, the last two years have been a nightmare as I unfortunately had two very bad tenants. They both stopped paying rent and separately destroyed the homes they rented from me. One tenant brought in over ten homeless people and it was a legal and financial nightmare that cost me tens of thousands of dollars in direct costs, lost wages from all the time I had to deal with the issues and lost rental income. I finally ran out of money getting them out of the home and finishing off the repairs to bring the properties back to a rentable state. This caused me to fall behind on my mortgage payments. I truly did not have an option as I need the rental income to provide for my family. I thought I was doing the right thing when I was contacted by a law firm who promised they could help to get my loan modified. I paid them {$4000.00} and they apparently did nothing. I know I am deep in foreclosure, but I am certain something can be done to save my home for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an AmEx account in XXXX XXXX. AmEx requested I submit to a financial review and submit documents prior to a certain date in XXXX. Several days before that deadline, AmEx closed my account with the reason being I did not provide the requested documents. In the meantime, I earned Membership Rewards points for meeting a spending threshold and for the purchases I made while using my account. I paid my account in full, and I currently have a credit balance. I previously filed a complaint stating that AmEx did not make the MR points available. They responded that they would be available after my next statement closed, which was over a month ago. Despite this, the points have still not been made available. When I attempt to transfer to a MR partner, I receive a message indicating I have no points or cards enrolled in MR .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Delta American Express Skymiles credit card failed to honor its rewards miles after I have spent the required {$3000.00} in the first XXXX XXXX of account opening. I have contacted Amex about this 3 times over the course of the last XXXX XXXX. Their position was that my card was not eligible for the bonus miles because when I applied the card, the website had a popup window alert me to this fact. I denied that I ever saw the popup window when I applied the card, and had I seen it, I would not have gone through with the Delta Amex Skymiles application because I could have used the spending to earn other rewards with my other credit cards. Amex then promised me to investigate this with their IT department to show evidence that the popup window was indeed present during my online account application process. I inquired about the status of their investigation twice and they told me they haven't heard anything from their IT, and the investigation was closed. I ask to open the investigation again and they agreed, but when I later asked for the status, they said again investigation was closed, and again no evidence was produced. The whole back and forth and gone on for over XXXX XXXX and now I feel I have no choice but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been an wells fargo client for a few years now. I have had MANY problems with this bank, BUT, since I am a foreigner and for a while my English was NOT the greatest and since I felt that as a foreigner I had to agree with all that was being presented to me. Now, after almost 20 years in this Country and my English being quite perfected, I SEE things much differently and I have decided to STOP the ABUSE i have been suffering from this bank institution. I feel that I have been taken advantage for not quite understanding ALL the writings and contracts. My limit has been reached when this past week, between my XXXX account and the above mentioned, I got charge with NOT 1, 2 or 3 NSFs, BUT about 6 and I called the bank to understand ( ONCE again! ) what was happening and I was told that this was the way was and no much more was explained to me and since I have had other NSFs, I would not be giving the courtesy of crediting those fees back ... For even a debit of {$5.00} ( after pilling up on fees my balance was not enough to pay those 5 ) I got charged {$35.00} ... It is extremely ABUSIVE and I feel that the snow ball never stops. I feel that the bank offers me the " courtesy '' of paying my " purchases '' even when I do not have a positive balance so they can CHARGE me over and over and over and create a situation from where NO one can get under of. It is ABUSE of POWER over someone who is quite simple.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-17
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to contact both XXXX and Experian to place a freeze on my credit report for several days. I was XXXX of the persons affected by the XXXX breach. 

For XXXX ... each time I try to enroll in their free service and/or request a credit freeze I get a website error. I tried calling their toll free number, but the folks there just referred me back to the website. It 's an endless loop of XXXX in which nothing is working. 

For Experian ... I tried to pay for the freeze on my account to avoid signing up for their monthly service XXXX {$4.00} to start, {$24.00} per month thereafter XXXX, however, I was not able to do that either without sending them a police report showing identity theft. I tried calling, but apparently there are no live humans working at Experian. It was an endless loop of automated system XXXX in this case. 

Next step, call my local police department, and file an identity theft report against Equifax so that I can freeze my credit with Experian? 

Much praise to XXXX. Their process was free and flawless. For Equifax and Experian, I do n't know what to do now. I ca n't afford the expensive private services to protect myself. In my opinion Equifax should be putting fraud alerts out for all affected persons automatically without them having to do anything.

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 2020-12-15
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:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2017-09-19
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
So we have a big issue with our escrow for this year that we need assistance with, I 'm not sure who to turn to on this. We got our annual escrow disclosure statement a couple months ago and our flood insurance had two separate charges, one for XXXX and another for XXXX. Our original flood insurance was {$420.00} annually. We called and spoke to both caliber rep and a rep from our insurance company, coming to the conclusion that they submitted our new flood insurance at {$7100.00} and the {$9200.00} was a goof up for some reason or another on their part. You see no one had let us know that they were going to increase our flood by 2086 % ..they also did n't send us paperwork about this nor did we sign anything that we would accept any of these new policies that they submitted into place in error and without our consent. So after much arguing with the insurance company and them having us pay to get another elevation certificate done they were able to " grandfather '' us in for an new annual flood rate of {$1400.00} and sent 2 refund checks of {$2700.00} and {$5300.00} XXXX to make up the difference. If you do the math this is obviously not going to cover the {$9200.00} and {$7100.00} they subtracted from our escrow account making it be in the thousands in the negative.-XXXX $ ++. So we then deposited total of {$6600.00} into escrow to try to pull us out of the negative. Which our XXXX deposit would pay everything we even owe for escrow regarding our taxes, pmi and insurances. They have adjusted escrow 3 times and still have n't taken care of the XXXX charge. Also on the updated escrow disclosure they have another XXXX charge for the new policy, however the XXXX is still in there with our added deposit to make up the difference. This is making our " new '' mortgage payments almost a thousand dollars more than our old payment. Also our taxes are less because we have homestead. Everyone is dragging their heels with helping us. We ca n't afford to keep paying for this mistake and afraid will have to sell our house or get foreclosed on due to this error. I have XXXX children to take care of and one of them has serious medical issues as she has a XXXX XXXX and XXXX XXXX that is already stressful enough to deal with without having this extra burden on me. If you could please look into this matter as I feel like what happened was unlawful and not within the standards of this industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All the sudden a collection account appeared on my report on XX/XX/2021, I called them and they said it was sent to them from XXXX XXXX  in XXXX which I dont live there, I told the company its against the law to placed collection on credit report before giving me the chance to validate the account, they didnt care they said they have notice sent to address where I dont live. 

Account # 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 2021-02-26
Company: CARVANT FINANCIAL LLC
State: PA
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:
XXXX XXXX Balance Owed : {$0.00} CARVANT FNCL XXXX Balance : {$6600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$1600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$760.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: FISERV INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My purse was stolen and the person that stole my wallet ordered merchandise from XXXX using my checking account and other information they found in my purse. 
I contacted Telecheck to advise them that I am a victim of identity theft. They refuse to stop trying to collect the money from 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 2023-06-08
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
There is a missing deposit on my accounr. My employer, XXXX XXXX XXXX has been depositing into this account for many years. Since XX/XX/XXXX they have deposited every 2 weeks with not an issue and several times after this missing deposit. 

On XX/XX/XXXX my employer deposited {$3300.00} which has not reached my account nor has been returned. This deposit was traced ( trace number XXXX ). 

Since then I provided Net Spend with attached to show from my employers bank the transaction yet Net Spend is saying they can not locate this deposit. 

I am at a loss that in XXXX with everything digitally tracked that this deposit can not be found or traced to see exactly where it ended up and have it returned. 

I am filing a complaint everywhere because I am at a loss as to what help can be provided to me or help to find out where this money is.

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 2022-03-23
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I wrote to the Debt Collector several times advising them that the debt doesn't belong to me, and the debt is expired. This is my third attempt writing and they refuse to produce documentation proving that the debt belongs to me, so they're in violation. I also send them a copy of my police report with they totally ignored. 

National Credit System AC # XXXX XXXX {$2500.00} ( Wrote them numerous times and they ignored my request ) XXXX XXXX XXXX AC # XXXX XXXX {$0.00} ( contacted merchant numerous times and they still reporting on my credit )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-04-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have made several attempts to have my account with XXXX XXXX, which is 6 years old reflect as closed with both XXXX and with the reporting agencies to no avail I was not able to do so and was told by XXXX that they can not /will not send any documentation reflecting the status of the account. Then as recent as XX/XX/2020, two years after it was last reported to the credit agencies, it was again as a negative. It would greatly appreciated if you can please review my issue to see if you can help resolve.

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 2023-03-08
Company: EQUIFAX, INC.
State: SC
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 just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX See pages 23, 26, 27 of the attached credit report as evidence. I have highlighted the errors. 

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband ( an active XXXX ) and I applied for a refinance with Mr Cooper mortgage services on XX/XX/XXXX. They already have our existing VA loan and we requested a streamline IRRRL with an expiration date of XX/XX/XXXX. At the time the rates were very good and we were reassured that they will take care of our loan so we turned down multiple other offers. We have not needed to change anything on our end, not the POA or home insurance or anything that was reviewed multiple times by Mr Cooper during this process. The only change since initial application is that my husband 's credit score has increased 100 points many months ago. I feel like we are being deceived by Mr Cooper. They keep extending the rate lock of 2.75 percent over and over again. The most questionable thing that keeps happening is the loan processor XXXX XXXX calls me on the phone to tell me not to pay the mortgage as we are about to close and it may hold up the process. In XXXX she told me not to pay for XXXX and I told her via phone conversation that I was uncomfortable with that and went ahead and paid. It seems I did the right thing because the refi still has not closed as of today XX/XX/XXXX. She told me to delay in XXXX for the XXXX payment as well which I did and I think they charged me a penalty. She again told me this month I did not have to pay as the refi will definitively close as of XX/XX/XXXX. I repeatedly called and emailed both her and her management all last week to respond on the status of the loan without answer before finally paying yesterday. So are they trying to incur penalty fees or find a way to not process our loan by misleading us or both? They won't tell me why the excessive delays on what is suppose to be the easiest loan to process even though I have asked many times. My phone calls and emails generally go unanswered which is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: LA
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 identified information on my reports that are a result of identity theft these items are not related to any transactions completed by 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 2021-06-05
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: Account information incorrect

Complaint:
experian reports a fios of XXXX XXXX reports XXXX XXXX reports XXXX All show 17 % credit use All show same balance used credit. 
I have written experian several times no reply.

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