BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2017, I contacted Caliber home loans ( at XXXX ) in regards to my home loan escrow balance and taxes. Let me first start off by saying in order to speak to someone there is a lengthy automated system which has prompt after prompt. Once i spoke to the tax department I then was transferred to customer service. I have an escrow balance of {$3500.00}. My taxes last year were {$680.00}. This year they increased to {$7800.00}. The reason for the increase was due to the fact that we built our home and the previous year taxes were only {$680.00} because the city estimated the taxes without the home and only the land. Upon speaking with a customer service representative ( ID # XXXX ),  he was very confused on the details of my loan which happened the last several times I spoke with Caliber. I asked very clear and direct questions regarding my escrow account : " where is the money being allocated to and how much ''. He began to say several times " ummmm ''. He seemed to dance around my question. This is the only info I gathered being that this info is NOT accessible online. Here was the breakdown he gave me and he said he didnt know how else to explain it. The only reason I have any of this info was because I had to ask several times and redirect him back to the original question. 

{$3500.00} ( in escrow to date ) - {$1500.00} ( to insurance ) - {$630.00} ( PMI ) ___________  {$560.00} remainder ... ...?? Where is the rest of the money going?? He got rude as if I was being unreasonable. The call was recorded. I asked to speak to someone else or a supervisor and he then refused stating he answered my questions to the best of his ability. 

I then was transferred by him back into the que after stating that this was a recorded line and i want to speak to someone else. I then spoke with another woman in customer service. This woman could not tell me what my escrow balance was stating " where do you see that info? ". She then said let me look at the notes from the previous representative. I told her I do not need you to do that. I need you to look at my account and give me direct answers to my direct questions. I explained to her that a portion of my escrow was going towards my taxes and It isnt listed on the annual escrow account disclosure and statement, nor is the breakdown of where the money is being allocated to. She again sounded confused and said I can mail you out another statement. I told her that when someone trusts a company to handle their home loan, they expect direct answers about where and when payments will be made on their behalf and how much. I also told them I would be reporting them for their deceptive practices. I would like them investigated to see why exactly they are unable to give direct answers regarding payments allocated from the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted a request on XX/XX/XXXX to XXXX to dispute information on my credit report for Midland funding collection. I submitted proof that I paid the account in full on XX/XX/XXXX in the amount XXXX. And they did not update the account on my report to the correct status of being paid and closed. I want my credit report corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A dispute was submitted regarding Portfolio showing on my credit report that I owe them XXXX for a bill from XXXX XXXX XXXX with an open date of XX/XX/XXXX. I've asked for proof of account being open during that time and they only provided an old bill from XXXX XXXX that was opened in XXXX and discharged in a Bankruptcy. They still did not show me having an open account effective XX/XX/XXXX. XXXX with them or XXXX XXXX XXXX. They are reporting false information on my report and request they submit proof of account being open with them, a contract or any documents regarding an account being open with them or XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
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:
Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that XXXX XXXX is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The XXXX XXXX accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for  {$500.00}. I was offered by XXXX XXXX during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of XXXX  XXXX. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.

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 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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 the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I purchased XXXX XXXX XXXX Tickets via XXXX through my Chase mobile app. The seller had listed their ad on XXXX, and I sent them {$100.00} for the tickets. They informed me they would immediately send the e-tickets to my email, but they never did. They then blocked my number. I called Chase almost immediately to try to stop the pending transaction, but they informed me there is nothing that they can do, and that I need to figure it out myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MIDWEST AND ALL ACCOUNTS ASSOCIATED WITH YOUR COMPANY AND MY SOCIAL ARE FRADULENT To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission MIDWEST or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My card was used XX/XX/XXXX and XXXX at a atm for XXXX  dollars. Both days the atm clearly was used multiple times with some of the transactions were for XXXX dollars because obviously they didnt know my limit for transactions. I reported this to Bank of America and they closed my claim once i ordered a new card and now reopened it after i called checking on the claim, now i have to wait 45 days and i have rent and a vacation that was already planned coming up

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 2019-05-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This is complaining CITI BANK 'S ridiculous charges of {$25.00} against my CITI AAdvantage credit card. Informed by their representative onXX/XX/2019 : CITI BANK changed XXXX XXXX billing from mail bill ( paper bill ) to electronic bill ( paperless ). I have no knowledge whatsoever about my unreceived bills. I know nothing about bill format changes pertaining to XXXX XXXX. As a credit card client, I receive bills and then, I pay it off. ACTUALLY, I NEVER RECEIVE THEIR BILLS FOR TWO MONTHS ( XX/XX/XXXX thru XX/XX/XXXX ) in any format ( paper bills or paperless ). I had found myself that I have not received bills for a while ( XX/XX/XXXX thru XX/XX/XXXX ). On XX/XX/2019, I had to phone them to inquire about my bills. OnXX/XX/2019, I paid the monies I spent which is {$46.00}. 

XX/XX/2019The representative have informed me that the charged fees ( penalty ) and interest of {$25.00} will be adjusted and dropped. 

XX/XX/2019 The representative informed me the adjustment ( {$25.00} ) is not yet adjusted. But will be adjusted ( dropped ) on XX/XX/2019. 

XX/XX/2019 The debit of {$25.00} remained. Actually, all {$25.00} is never adjusted, even as today ( XX/XX/2019 ). It actually may be growing due to interest. 

CITI BANK is dishonest and is cheating customers.

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 2018-08-13
Company: CITIBANK, N.A.
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/18 I made a payment of {$240.00} for my XXXX XXXX government credit card, I did not receive any confirmation or code so I waited to see if it hit my bank account. The next day I saw it hadnt posted so I thought i may have made a mistake and made a second identical payment for {$240.00} on XX/XX/18. Afterwards both payments hit my accounts, I contacted Citi customer service to see if they could stop one payment they said they could not and told me all I had to do was email them proof and that they would refund me within the next day. I did as I was instructed and received an automated mail that said they were investigating the case and that I would hear from them no later than 2 business days. I let 3 business days pass before I contacted them again via email to see the status update. I heard nothing from them until I called a few days later to be told again that my case was being investigated I let them know that it was a simple overpayment and I had no other balance on the card other than the {$240.00} that I had paid, twice. The woman I spoke to then said if it were approved they would send me a check to my location overseas, which worries me since mail is known to get lost enroute..I asked if they could please just deposit to the same account they drafted from. She said she would note my account but it was improbable. It has now been 10 days since the initial contact and Im still in the dark about whats going on.

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 2018-08-13
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 status incorrect

Complaint:
My XXXX credit score was XXXX on XX/XX/18. XXXX days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My XXXX  score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. Experian had dropped XXXX to XXXX on XX/XX/18

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 2021-06-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Ok on XX/XX/XXXX an XXXX 2021 My checking account the bank 5 th 3 rd Put a fraud alert on my amount cause their was fraud going on! 
On XXXX XXXX I think it was The bank told me that I had to put my friend on my acct cause 5 th 3 rd Had his check and wont let it go throw my account! 
But I have before and his unemployment checks had even be deposited into my account and his name wont on the account! 
But I ask for his XXXX to be removed and the Fraud department told me ok! 
Well on XX/XX/2021 This person when it to my account and at a branch In XXXX ky and the clerk aloud this person to change my address on my account and he was a 2 nd Dairy on my account I was married for 30 years I know it is against the law for the bank to lead a secondary person change the primary persons address this is very illegal now my information is going somewhere else XXXX knows where or who has it what can I do to hold this bank responsible for their mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Rocket Mortgage, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/18 I inquired about information relating to the home buying process. I provided my name, email, and telephone number to Quicken Loans. At XXXX on XX/XX/18 I received a call from XXXX XXXX associated with Quicken Loans on a recorded line. 

I was asked if I wanted to give permission to do a hard inquiry on my credit report and I replied that I did not give permission for that, and I am not interested in continuing the process as I was just looking for information. 

On XX/XX/18 a hard inquiry was added to my credit report by XXXX. On XX/XX/18 I contacted XXXX XXXX with Quicken Loans via email at XXXX stating I would be filing a complaint due to a hard inquiry done without permission and my specific instructions not to do so. I received no response. I am awaiting a response from Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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: Old information reappears or never goes away

Complaint:
My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.

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 2018-08-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I had a loan from Chase, from XXXX to XXXX, with an amount of {$15000.00}. This loan was paid off and I have bank letter confirming that. ( Loan number XXXX ). 

I worked on sell my property and closing date was set on XX/XX/XXXX. Title company search found that this loan is still bonded to my property. I sent bank letter stating loan was paid off to title company and started to request lien release from Chase on XX/XX/XXXX, I got a case number from Chase Lien Release Customer Research-XXXX. Title company only needs to see lien release paperwork from Chase so that closing can proceed last week, but Chase insist that it will take time to complete its own research despite its staff agreed that this loaned was fully paid off. 

When I search online, there are over 2200 complaints ( 1806+473 ) online about mortgage service from Chase , I will attach screenshot. Its escalation office seems busy in handling similar case, which indicate this problem is wide-spread. I like federal agency to know about this. Bank should process lien release 10 years ago as soon as loan was paid off. Who knows whether or not the lien release paper was sent out to county office. Only federal office has its authority to ask them to show evidences, the bank will not show evidence to individual consumer. Bank may be negligent in  processing lien release and put pressure on consumer instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Sallie Mae is quick to charge me ridiculous rates for my student loans, putting me into massive debt, but they ca n't adhere to their own customer service policies. On their website, which is the only way to get information about them, it states the wrong phone numbers and wrong operation times. This makes it nearly impossible to pay my loans on time on a regular work day schedule. After an hour going through an automated phone message, which had no options for speaking to a representative, only by going through the " change address '' customer service number was I able to find out that they closed 8 hours prior to when the website says they 're open until.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: General Motors Financial Company, Inc.
State: TN
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:
I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief