BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-01
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, My name is XXXX XXXX and I have an FHA loan, serviced by Caliber Home Loans, that I need assistance with. The loan, which is referenced as Loan Number XXXX by Caliber Home Loans, is currently in default status and Caliber is attempting to proceed with foreclosure on the home. 

In XX/XX/XXXX, I became unemployed. I did not resume work until XX/XX/XXXX, due to difficulty finding employment caused by unfounded negative references from my former employer. During this time I was approved for an FHA Special Forbearance Plan in regards to my mortgage. I worked with Caliber Home Loans to pay these payments between XX/XX/XXXX andXX/XX/XXXX. Each time I contacted Caliber regarding the payments, I was informed that the payments would be accepted and applied to my forbearance plan even though they were not received by the XX/XX/XXXX day of each month of the plan as long as the payments were made by the last business day of the month. I made all of the required forbearance plan payments from XX/XX/XXXX through XX/XX/XXXX by the last business day of the month, which were accepted and applied to my balance. 

In XXXX and XX/XX/XXXX when I contacted Caliber to make the payments, I inquired as to the need for any additional paperwork or documentation from me for the Forbearance process to be completed and normal payments to resume in XXXX. Each time I was informed that the process to complete the forbearance would automatically update once the last payment was received and no additional documents were necessary. 

In XXXX, I have attempted to make my normal mortgage payment only to be informed that my payment would not be accepted because my home is in foreclosure because I did not submit the required paperwork to process the end of the forbearance plan. In my most recent contact with Caliber Home Loans, on Friday, XX/XX/XXXX, I was informed that I should not attempt to make the XXXX payment because their policy was to return payments that were not made in full during the foreclosure process - meaning that if the payment I was going to make was not equal to the total past due amount ( now approximately {$15000.00} ) my payment would not be accepted. 

I would l like to continue living in my home and eagerly await the opportunity to resume normal monthly payments. Any assistance that you can give me on this matter would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX, Borrower XXXX XXXX XXXX XXXX, TX XXXX XXXX ( cell ) XXXX ( home ) XXXX XXXX XXXX XXXX, Interested Party ( Spouse of Borrower ) XXXX XXXX XXXX XXXX, TX XXXX XXXX ( cell ) XXXX ( home ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have astronomical private student loan debt from attending XXXX XXXX XXXX University. I was given false hopes and promises. I did not receive my XXXX in the end, but am only a few classes away, but was told I do not qualify for any more student loans. 

Navient has been servicing my loan. They have been lying to me. My mom co-signed a couple of loans for me and they harrased her morning, noon and night over the phone. 

They did not and would not give me options to have my co-signor/my mom removed from the loans. 

Navient also only gave me one repayment option. I have been paying {$460.00} and now {$480.00} per month for nearly four years. My loan balance continues to increase and my accrued interest continues to increase. I have paid them several XXXX dollars thus far and Navient will do nothing to assist in helping me lower my payments and the overall loan balance. They refuse to give me any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: JPMORGAN CHASE & CO.
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 got a copy of my yearly credit report and noticed that I had 4 inquiries from Chase Card dates (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. someone was trying to get a credit card that was issued by XXXX but didn't have all of my personal information to complete the application. i contact Chase and the three credit report companies to inform them of these fraudulent inquiries and ask to have a freeze placed on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
Purchased one office chair in XXXX. XXXX sent two, then issued XXXX return. I got confirmation that they received return. However, they recharged me in XXXX for another chair. I had paid for the chair I bought, but their internal investigation keeps saying that my bill, now accumulating late charges for months, is correct. I got one chair and paid for it, but I am still Being reported as delinquent. The bank behind it, XXXX, sent me a letter stating that the investigation was closed and they were right. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Central Kentucky Collections
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX On XX/XX/XXXX I started working for XXXX XXXX services In the state of XXXX . I had worked for them 5 years ago under the name XXXX security in the state of Kentucky. They reassigned me the employee ID number I had 5 years ago. My check had been garnished by XXXX XXXX, attorney at law in XXXX, Ky on behalf of XXXX XXXX Hospital, also in XXXX, Ky when I had worked for XXXX XXXX. The Garnishment started back up when I went to work for XXXX security services this past XX/XX/XXXX. 
on XX/XX/XXXX I contacted XXXX XXXX Hospital and was told that I had no active accounts there, so XX/XX/XXXX I contacted XXXX XXXX 's office and was told by a representative there that they had turned the account over to Central Kentucky Collections in XXXX, Ky. The representative for XXXX XXXX also said that they had not received any kind of payments from Central Kentucky Collections.on XX/XX/XXXX I contacted Central Kentucky Collections and spoke to a representative and he told me that, that account had been paid off since XX/XX/XXXX, but he would take notes and send then to XXXX XXXX, owner and manager or Central Kentucky Collections, on XX/XX/XXXX I called Central Kentucky Collections and spoke to XXXX XXXX and she told me she has been sending payments to XXXX XXXX 's Office for accrued interest and court costs.There was no more mention of the account being paid since XX/XX/XXXX. So I decided to file a complaint with you all because it seems like Im getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: SYNCHRONY FINANCIAL
State: NY
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 am submitting this complaint on behalf of syncrony bank/qvc. This account was removed and deleted off my   XXXX   and   XXXX    credit report after I disputed it over several times. However they responded to   XXXX   credit reporting agency not to remove the account off my report. This is wrong as it was confirmed to delete from the other   XXXX   credit reporting agency 's but they will not allow it to be deleted off my   XXXX   report. I tried to re-dispute it again this morning with   XXXX   but  XXXX  would not allow me to do so ( which is also wrong ). I have this account reporting on my   XXXX    credit report and it should be deleted just as they gave verification to delete off   XXXX   and  XXXX . I am fustrated at the fact that they are affecting my credit score in a negative way by responding not to remove. I was told by  XXXX  syncb/qvc responded to delete off report why would they respond NOT to delete off  XXXX ? I would also like to note that qvc is no longer in business.

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 2020-10-14
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: WA
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:
During a background check for a new rental, our property manager flagged that my credit score came back lower than what I had indicated it should be. Upon checking my credit report though Experian, I noticed there was an account that was listed as being in collections " XXXX XXXX XXXX XXXX  ''. I have never used any service from this company and did not even know if their name up to this point XX/XX/2022 I called XXXX XXXX  XXXX and confirmed with a representative that they had no information for me in their system. If they record calls, this should be in record. With that confirmation in mind, I filed a dispute through Experian on the same day. 

Today, XX/XX/2022 I received an update from Experian that the dispute has been completed and no changes has been made, meaning that XXXX indicated to Experian that the account was valid. This is not the case. 

Today, XX/XX/2022 I added a statement to the dispute through Experian that I have no knowledge of this account. 

I have emailed XXXX inquiring why they have indicated to Experian that the account is valid. 

This has dramatically affected my Experian credit score and want this resolved as soon as possible. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I filed dispute with Experian and XXXX that collection agency XXXX XXXX XXXX ( XXXX ) with account number XXXX {$3400.00} is not my account and failed to send me validation and they refuse to removed collection from my account that was not opened by me. However XXXX  deleted the item from my credit report back on XX/XX/XXXX. I will like to have negative item removed from my report and I also attach a document showing XXXX  deleted the 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 explanation
Consumer complaint received 2020-07-03
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: Credit inquiries on your report that you don't recognize

Complaint:
An inquiry was made to pull my credit report. XXXX XXXX  does not have my authorization in writing. They used deceptive practices to have me verbally agree to a credit pull. They did not explain that my credit would be pulled. Also, I did not qualify for a home equity loan since I have zero equity in the house. This is the question that should have been asked first before pulling credit. They called me as a telemarketer trying to get me to get a home equity loan, I was not interested in. Not once in the call did the person even state that this was for a home equity loan. I guessed that is what the call was for. I have never had a problem with companies pulling my credit score unauthorized before. Most companies explain that your score will be pulled and ask you if you agree. It that had taken place I would have said no. 

I spoke to the company and I was told that I agreed when the salesperson asked me to confirm my birthday so he could check to see if I qualified. That statement is not a clear authorization to pull credit. The company refuse to remove it from my score and honestly its unfair that I have to ask them to. Its not in their interest to help me or make my life easier.

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 2021-11-29
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Midwest Acceptance Corp.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was late on my XX/XX/2018 & XX/XX/2018 car payments. Spoke with XXXX & XXXX on multiple occasions. Told XXXX someone would be making a payment for me, she was rude and asking who is this person and why are they making a payment for you. I told her that he would make half the payment and I would make the other half. XXXX then told me I had until XXXX XXXX  to make the payment, she continued to call my job repeatedly thru out the days, then started to yell at me that this is their loan and I need to get it paid. I had to have my manager call her and tell her to stop calling my job. I then went to the XXXX to make a payment and she told me that I needed a bar code. I waited for the office to open and called to get the bar-cade, I spoke with XXXX. XXXX then sent the text and I told him the store was around the corner and I would go pay it. XXXX then called back an hour later to tell me I had not made the payment and said " we will hold this until XXXX XXXX  the that's it ''. I returned XXXX 's call and he said I stated that I would pay in the next few minutes. I then told XXXX I never said that, I am at work and can not go out until my lunch break, he then began to get loud and tell me I had until XXXX to make the payment. I made the payment and am now seeking to take out a loan and pay the car off and never deal with this company again. I have been a great customer for over a year and half and have never been treated so horribly by a company representative like this in my life. It's amazing how they are so sweet when I am paying my car note 2-3 weeks early and the one time I fall on hard times they turn nasty.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
TD Auto FinancXXXX is still showing as a closed/charged off account on my credit report. I have already taken the necessary steps to dispute the charged off account which TD Auto Finance agreed to settle my account for a pay to delete off of my credit report which TD Auto and their XXXX XXXX XXXX XXXX XXXX XXXX fixed as of XX/XX/XXXX. 

I accessed my credit report on XX/XX/XXXX, and noticed that TD Auto Finance is still reporting as a charged off account when I have the necessary paperwork stating it would have been removed off of my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2018-03-10
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX reported 5 missed payments to the credit bureaus for months XXXX  through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to XXXX. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from XXXX regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to XXXX  by letter and the credit bureaus to resolve this issue. XXXX responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a no fee checking account with Bank of America some time in XXXX, based on the condition that I don't use the teller / bank-walk-in facilities and I get my statements by email only, while I can use online banking and ATM for doing transactions. It was good all these years until they suddenly charged me XXXX $ fee on XX/XX/XXXX. Since I was honoring all the conditions set by bank till XX/XX/XXXX, I didn't notice the inside details of the statements Bank of America sent through email. Coincidentally in the month of XXXX I logged in the bank account and noticed XXXX $ fee because I didn't maintain XXXX $ minimum balance and they have abandoned the e-checking account or no-fee online only checking account, which I was not aware of. 

When a significant change of this sort is being implemented by Bank of america, I would have expected them to send a letter through mail not just mentioning it in the email statement! which missed my attention because I trusted in Bank of America that they will continue to have the facility they provided initially when I opened the checking account. 

So in total they charged me XXXX $ monthly fee for two months i.e for XXXX month which I was totally unaware of and for XXXX month, when I logged in the account and became aware of the new rule. As soon as I was aware of this, I made sure that I maintained XXXX $ minimum balance by transferring external funds. 

It is totally unethical by the bank to charge the customer by not informing about the new changes they did by proper means of letter through Mail. 

I kindly request you to take this with bank and refund my XXXX $ fee collected by them.

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