BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
It appears my monthly mortgage payments are applied to another account, ( we both have the same credit union and the same mortgage company ) not all of my 16 monthly payments, not all of my added principal, not all of my paid late fees have all been applied to my account. I can not confirm that my loan actually exists. The first time i phoned the customer service 800-line,  the operator said my loan " does not exist ''. The last time i logged on to their website, the screen froze for over 30-minutes. Then they sent me a bogus mortgage payment history. Cashiers checks mailed certified mail, and or XXXX XXXX overnight mail confirmation receipts appear to be fake. ( I see one signature, the the post office employee gives me a receipt with a different signature ). One lump sum cashiers check I endorsed in XX/XX/2019 to include my property address along with my signature, the bank stamped covering over my property address. leaving the entire bottom portion that is designated for bank use only blank. I asked my credit union, they said it's okay. In XX/XX/2019 the post office claimed to have mailed my mortgage payment to the wrong state, I had to replace and resend that payment while that lost payment containing all of my banking details was never located. Each time I speak with the customer service person at the loan office, I get different balances, different payment history. I finally got one customer service person to send me a payment history, just to find out that the money amounts quoted in that document do not come close to the total amount of Cashiers checks and electronic payments I have paid to date. Before I have electronic payments taken from my salary monthly, I need to confirm that my payments are being deducted from my balance. Not being split with another account, not being completely redirected to another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Re : XXXX XXXX, XXXX XXXX XXXX Case # XXXX XXXX XXXX XXXX XXXX NJ XXXX To Whom It May Concern : Please be advised this is a letter I sent to XXXX XXXX XXXX  regarding their foreclosure against my mother : You have sent my mother paperwork to explain why XXXX serviced by XXXX should not foreclose on her property referenced above. As previously explained to you months ago in the attached letter, my mother is the victim of elder abuse. She is currently residing in XXXX XXXX XXXX XXXX NJ in the XXXX XXXX. As previously explained to XXXX and XXXX, I recently discovered that my brother, XXXX XXXX, has been victimizing my mother for several years. He has drained her bank accounts. This matter has been referred to the XXXX County, NJ prosecutor 's office, and they have taken the case. 

If XXXX had exercised even the slightest diligence, the above referenced loan would not have been originated. If XXXX had run a credit check on XXXX XXXX, XXXX would have discovered that XXXX XXXX has been defrauding creditors for years. I discovered that he ran up debt on my mother 's credit cards, then took out this loan against her property to further defraud the credit card companies and XXXX. 

XXXX has asserted that it was relying on a valid Power of Attorney issued to XXXX XXXX. However, my mother revoked the POA given to my brother because she issued one to me after the one given to my brother. Therefore, any actions taken by my brother under the POA were invalid. Again, if XXXX had done any diligence on my brother, XXXX would have discovered his credit history. A copy of the POA issued by my mother to me is enclosed. You will note that it is dated after the one issued to my brother. Please note that on information and belief, my brother has fled the country. In addition, he is over $ 17K behind in his child support payments. 

I have put her house up for sale. She needs the proceeds from the sale to pay for her care in the XXXX XXXX. XXXX 's fraudently originated loan will leave little if anything to pay for her care in the XXXX XXXX. We would hope that XXXX would see fit to investigate its origination decisions and practices related to this matter. In addition, we hereby request copies of all recordings relating to the origination of the loan as well as copies of all documents related to the decision making and underwriting documents related to this loan. 


I would appreciate your help in pressuring XXXX XXXX XXXX with restitution for this matter. " I believe that XXXX has engaged in predatory lending with respect to my mother 's loan and together with XXXX has engaged in unfair, deceptive and abusive practices in violation of both federal and state law. Such lack of diligence in the origination with the intent to take the assets of a defenseless elderly woman are beyond the pale of decency. '' Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Reliant Capital Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2020, sometime before XXXX XXXX, XXXX XXXX called not only my employer, but the office of the Director at my place of employment for the city of   XXXX on behalf of Reliant Capital Solutions. She did not call with questions attempting to identify my location. This company is not the original debt owner. She identified her employer without being asked. My place of employment does not allow personal calls at work. It prohibits personal calls on work time. I was notified via an official email from my Director 's personal assistant. I do not wish the stress caused by this blatant invasion on privacy and violation of the FDCPA amongst other violations. If I lose my job, I will surely sue for lost wages.This account is not even reported on my credit report. I have not ever received any written documentation from this company prior to the escalation of calling the Top office for the company I work for. This is blatant harrassment! An official cease and desist letter has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: A.R.M. Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX XXXX signed me up for a one year {$150.00} bimonthly plan with a {$150.00} early cancellation fee, I gave my debit card. XXXX provided the service. XXXX said first charge didn't go thru and ran card again. My bank acct shows 2 - {$150.00} charges on XX/XX/XXXX. The next service was on XX/XX/XXXX but again the bank charges show {$150.00} on XX/XX/XXXX and XX/XX/XXXX. I tried to resolve local but was sent to Billing dept where there is no way to leave a message but instead says to send email to finance department. Finance department never responded to multiple emails. Calls to the local office also failed to resolve. So I cancelled the service XX/XX/XXXX and they sent me a bill for {$150.00} early cancellation. I paid the company for 2 services at $ XXXX/each and {$150.00} early cancel fee = {$460.00}. However, they have taken through my debit card {$150.00} x 4 = {$630.00}. That leaves them owing me = {$160.00}. I have a dispute through my bank for {$150.00} on the XX/XX/XXXX withdrawals which they resolved with the bank. Now they have threatened to send me to collections. They actually owe me {$9.00}. I have sent numerous emails with records of the withdrawals from my bank account. I can not get anyone in Finance to contact me. I received a debt collection notice from ARM Solutions , Inc. on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Credit Corp Solutions Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notification from credit file that collection account was listed on credit report. No information received, no information to validate this debt belongs to me. This creditor is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: OpenRoad Lending
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Open Road Lending had 4 companies pull my credit. I didn't authorize them to pull my credit. I called them and told them I want these inquires to be removed. I had people in Florida pulling my credit and using my credit. Ive put a freeze on my credit report to cant this from happening. They had my husband credit file pulled also his name is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked upon reviewing my credit report and I found a 30 day late reporting in XX/XX/2017. I am not sure how this happened. I believe I made all my payments on time I paid as soon as I get my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Blackhawk Network Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I called OmniCard to activate the {$10.00} VISA gift card on XXXX/XXXX/17 in the morning. They said they card would be available for use in 15 minutes. Hours later, the card is still being declined. The error was " no such user. '' OmniCard said the reason why all of the transactions have been declined is because I 've been using the wrong PIN #. The truth is I have n't been using any PIN #. PIN # s are only required when run as a debit card. All of these transactions were run as credit card transactions, so there was no spot for a PIN #. Then, OmniCard said they were declined, because the card had n't been activated yet ( even though it had been ). I tried using it again. Again, it failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On theXX/XX/XXXX I transferred funds to Coinbase ( a cryptocurrency exchange ) and my funds went in without any problem. I used those funds to buy some cryptocurrency and all was good. 

However now when I try to withdraw those funds the website Coinbase tells me my bank account is not verified and in order to verify it I must send at least XXXX euros to their bank account. 

I have done this 2 or 3 times now and still I can not withdraw my funds from Coinbase despite having tried to verify my bank account. I have since emailed Coinbase again on the XX/XX/XXXX and again on the XX/XX/XXXXand I still have not had a reply. 

I desperately need my bank account verified because as it stands it 's impossible for me now to withdraw my funds from Coinbase, they 're effectively holding my funds hostage by not replying to any of my support tickets. 

I have tried contacting them on XXXX and XXXX and they have not responded, this is my last option, I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Nelnet, Inc.
State: PA
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:
I believe the reporting requirements for the Interest rate repayment plans are not clear. I was never told I needed to file an IRS form to my student loan and was NEVER contacted by phone. I was only emailed to an email box that is full of junk email, and received only one letter. As a result, my payments started to accrue ( I WAS STILL UNEMPLOYED ), and I was recorded as delinquent. This has reduced my credit score almost XXXX points.
Nelnet refuses to remedy this action. The customer service support was rude, self-aggrandizing, and ARROGANTLY PATRONIZING. This SHOULD NOT BE the attitude of a government loan servicer!
Additionally, they should have known I was still unemployed as they can see I have no XXXX or similar, but clearly, I should have been called when my account was seen as delinquent.
THE WORST THING IS ... NOW THAT I HAVE SHOWN PROOF OF MY CONTINUING UNEMPLOYMENT, MY SCORE SHOULD NOT BE IMPACTED AND I SHOULD GET CREDIT FOR THOSE MONTHS UNEMPLOYED! I intend to work for a nonprofit and I need all the months I can get as my job ( ONCE I EVEN GET ONE ) will not be highly compensated.
The fact that I was treated rudely and disingenuously by an individual at NELNET when I went to clarify this problem is just sickening. THESE ARE THE KIND OF MISTAKES THAT LEAD PEOPLE TO BELIEVE ARE COUNTRY IS FALLING APART! The person who delivered such patronizing customer service should be reprimanded and put on watch!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
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 an identity theft victim due to an XXXX  credit breech. on XX/XX/2020 I submitted identity theft documentation to Experian credit bureau and they continue to report fraudulent accounts, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
State: AL
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 notified both XXXX  and Equifax that the XXXX account that is reporting on my credit file do not belong to me. This account was open as a result of identity theft. Please assist me in getting this account removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: AMERICAN HONDA FINANCE CORP
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:
American Honda Finance is wrongfully reporting negative information on my credit report. Last month I went to apply for a loan with my bank but was declined the loan. I was advised that due to being late on my car payment that the loan couldn't be processed. I decided to pull a copy of my credit report to see what was reporting from Honda. Not only was it upsetting to see that Honda was reporting incorrect information, I also noticed that my credit score lowered due to the reporting by 40 points. I contacted Honda to inform of the reported late payments and was advised that no payments were reported late. 



I requested a payment history review and was advised that two of my payments dated XX/XX/XXXX and XX/XX/XXXX were paid towards late fee 's and not the payment due. Honda has reversed the payments but still reported that I was 30 days late each time. I am attaching the loan payment history for the moths in  question along with a copy of the current credit reporting from Honda.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: U.S. BANCORP
State: IL
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:
I received an email alert on XX/XX/XXXX regarding low balance in my checking account from US bank. I called my local US bank that I did not issue any large transaction. I was informed to call on XX/XX/XXXX because a check was made out with amount of {$3200.00} and picture of check would be visible then. I called the bank and was informed that a check was cashed under my name at branch # XXXX with possible false ID? 
This branch is located at XXXX XXXX, CA and I live in XXXX, IL I called the XXXX XXXX, CA branch asking why this phony check was cashed. 
I want an investigation with the teller who cashed the check out. 
Date of transaction on check was XX/XX/XXXX I called US bank fraud department on XX/XX/XXXX and my checking account has been blocked until I receive my refund.

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 2017-07-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX 2014-XXXX/2014 me and spouse resided at XXXX XXXX XXXX XXXX XXXX, CA XXXX. On XXXX XXXX, 2014 my car was broken into within the garage on same property resulting in damages to tire nd exterior upon requesting leasing manager review camera to identify assailant was informed that there was no camera within parking garage. My wife and I got intimidated and request that our lease be vacated and we be allowed to move without penalty such as eviction or collection for future rent amount, the then leasing manager a XXXX XXXX XXXX XXXX  gave verbal permission and also signed an agreement for date we should vacate same property upon which we complied as such was XXXX/XXXX/2014. Five ( 5 ) months later we receive a notice from a collection company demanding a estimated amount of over {$8000.00} each for unknown debt, we have gotten an eviction notice from a court and we have in our possession written agreement signed on XXXX XXXX, 2014 giving us permission to vacate same property we were never warned about impending collection of debt we have also sent to the collection agency copies of several letters with leasing manager signature complying or in agreement for us to vacate the apartment building on or before XXXX/XXXX/214. We can furnish your agency with said copy also several attempt as been made through all XXXX ( XXXX ) credit reporting agency without them taking acting on our behalf.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: JPMORGAN CHASE & CO.
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:
I have reached out to chase who has responded, however XXXX, XXXX and XXXX still reports fraudulent inquiries from a chase account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: M&T BANK CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX of XXXX I asked for my installment loan from M & T to be deferred by 2 months which was for XXXX XXXX and XXXX XXXX. I was approved for the extension and my next intstallment payment was pushed to XXXX XXXX. After I got approved I did n't follow up til XXXX when I realized the payment for XXXX was late, so I decided to call them and the rep stated that I was suppose to sign a document to confirm the extension which I were never informed about. That 's when I learned that the payment was late and passed 30 days. I called to complain and they stated that it was my mistake but the extension still was processed and my late fees were waived. I tried to get the late payment removed but they denied it twice, but I have proof of the payment extension agreement and still I was denied.

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 2021-12-01
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been in repayment with Mohela for my federal student loans since XXXX. My original principal was {$120000.00} and I have been on a plan in which I've been paying in excess of my repayment amount under the belief that I was paying down my principal. Turns out that the extra payment have been going towards monthly interest instead, and after a decade of diligent repayment my balance is currently still ridiculously high at {$88000.00}. 

I have been paying {$1000.00} a month consistently without fail from XX/XX/XXXX, not to mention the payments I made prior to implementation of that level plan. According to the company, if I were to continue paying {$1000.00} a month, I have XXXX months left to fulfill my financial obligations, which means I will be paying an additional {$180000.00} when all is said and done. 

This does not make sense. The system needs to change. A company that has been tasked by the government to manage the repayment of student loans should not be allowed to be so predatory. It was not made clear that my excess payment was not going towards the principal. I shouldn't have to be in debt for XXXX years and pay {$280000.00} on a government assisted student loan of {$120000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation