BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX has tried getting a loan modification review completed with XXXX XXXX help for almost a year near. I 've been assisting her since the beginning and been using the Caliber email to submit all docs. In XX/XX/XXXX, they requested 30 days updated paystubs. XXXX XXXX sent those thru email on XX/XX/XXXX.  Then they said the file was " complete. '' Then they said that they needed another bank statement for XX/XX/XXXX-XX/XX/XXXX. We also provided that thru email XX/XX/XXXX.  Then they said they needed clarification on paystub, and we provided it XX/XX/XXXX. Then I asked for status update on XX/XX/XXXX and did n't hear back. I emailed them again on XX/XX/XXXX about this. And then again on XX/XX/XXXX. Then on XX/XX/XXXX I called them again and heard that the only thing they need is the letter of explanation she wrote just needs a signature ( which it had her name just left out a signature ), and then it will go to underwriting. I sent this over XX/XX/XXXX because I was out sick and out of office on Monday/Tuesday XX/XX/XXXX and XX/XX/XXXX. That means I only had ONE business day to get this in before they closed file since they told me that they closed it on XX/XX/XXXX! I  've been communicating with Caliber since the beginning and was NEVER told that the file was going to close if we did n't get it in by XX/XX/XXXX?? I actually have never been told ANY deadlines since the beginning of working with them. I am escalating for this reason. 

FYI : I have also many times tried to get status updates, but instead wait on hold for 30 minutes, and hang up because I ca n't get thru. It 's been very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: LDF Holdings, LLC
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a payday loan on XX/XX/2018. While on the phone, and dealing with the contract I specifically asked the person if i paid off the loan on my next check what the full amount due would be. I was told about {$30.00}. When the time came to make the payment, all of the sudden it was very much more. I could not afford the full amount so I just let them take out the {$58.00}. Ive since made numerous payments, including one on XX/XX/18 inn the amount of {$58.00} & {$41.00}. On XX/XX/18 I request my payoff amount. I emailed them five times in total, with the last one on XX/XX/18. All requesting my payoff amount. They then called me on XX/XX/18 and said they were attempting to collect a debt. I asked how I was in collections when they have automatically been debiting my checking account each pay period since I took the loan. I told them Id had enough and that Id be filing a complaint with you all. I disconnected the phone. I then received a text message that stated my payoff amount is {$240.00}, and asking how I intended to take care of the payment before it is escalated further. I texted them back and asked escalated for what? Ive not missed a payment ... they automatically deduct it. I also sent a screenshot of my checking account showing the payments on XX/XX/18. This company lied to me on the day I took the loan. They have not given me my payoff amount even though I have emailed and texted requesting it numerous times. It always takes a week to hear from them, all the while they are racking on the interest to my account. I have now put a stop payment on my account. I will not allow any further payments to be automatically deducted from my account. I have no issue paying a debt, but I will not be financially XXXX. 

I do have emails that I can forward to you all showing my requests. I will attach screen shots of the texts I received today, as well as ones that were sent a few weeks back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Meridian Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been billed for condo association assessments for a property that I do not own and did not own during this billing period : 1. I transferred title to this property on XX/XX/XXXX 
2. The property association send me bills for the XX/XX/XXXX assessments, due XX/XX/XXXX for this property on XX/XX/XXXX, on XX/XX/XXXX, and again on XX/XX/XXXX. Each time I returned the bills in writing with a note stating I no longer owned the property as of XX/XX/XXXX 
3. On XX/XX/XXXX, Meridian Financial Services, a debt collector send me a letter stating my " debt '' had been placed with them for collections. Their contact info is : Meridian Financial Services , Inc . 
XXXX XXXX XXXX XXXX, NC XXXX N.C. Dept of Insurance Permit # XXXX Account manager : XXXX XXXX 4. On XX/XX/XXXX I wrote a letter to Meridian Financial stating that I was not the owner and that I had notified their client of this 3 times previously in writing. 
5. On XX/XX/XXXX, XXXX XXXX/Meridian send me another nasty letter demanding payment. 
6. On XX/XX/XXXX, my attorney, XXXX XXXX wrote to XXXX XXXX and stated very clearly that I had conveyed the property on XX/XX/XXXX, enclosed a copy of the deed, a copy of the Florida statute showing I was not liable for any assessments after the transfer, that Meridian Financial was in violation of not only Florida law but federal law concerning unfair debt practice act. My attorney demanded that Meridian correct any report that reflects negatively on my credit that had been reported by Meridian. 
7. On XX/XX/XXXX I purchase a car. My credit report showed row Meridian had reported negative credit to XXXX and the other major credit bureaus. As a result, my car loan interest rate was considerably higher. 
8. On XX/XX/XXXX, I received another demand letter from Meridian. 
9. I have disputed the credit reported by Meridian with XXXX. I included all of the written correspondence above. XXXX contacted Meridian, Meridian has certified to XXXX that the original info is correct. So, even after all of this, they refuse to fix their mistake. 

Meridian Financial has continued to ignore me and my attorney. HELP

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following names have been brought to my attention and have caused concerned and per the credit report are listed as followed : XXXX XXXX identification number XXXX, XXXX XXXX XXXX identification number XXXX, XXXX XXXX XXXX identification number XXXX, XXXX XXXX identification number XXXX, and XXXX XXXX identification number XXXX. Please any other name other than " XXXX XXXX '' deems to be invalid and have not been identified by any other name. 

The report also includes social security number ending in XXXX, last four of this social and current social do not match and do not know where it arises from, or whether this social is being currently used under my name for someone else 's benefit. Please remove completely. 

The following phone number has been identifies as invalid and have no connection to me whatsoever, please remove : XXXX. 

I am honestly looking to repair my credit as drastically and as fast as possible. I acknowledge that some accounts that have been marked as written off but they have been paid in full. Hence, BANK OF AMERICA ACCT:XXXX has been paid in full and would like all negative remarks removed. XXXX XXXX was paid in full and would like that remark removed. XXXX ACCT:XXXX has been paid in full and would like all negative remarks removed.

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 2018-01-17
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$180.00} will br collected by Cavalry SPV I , LLC, the charge is a fraud charge put on my XXXX XXXX XXXX card. The balance is sold to Calvary SPV I, LLC by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was contacted by text message XX/XX/19 at XXXX AM from XXXX stating FRM : XXXX- Call XXXX SUBJ : Crucial Information. MSG XXXX # XXXX. I called this number and later realized the initial greeting stating " People 's United Bank   XXXX XXXX  ''. A recording advised my account was suspended and needed to be reactivated. I was on the phone for about 2 minutes and the automated system asked for my bank card number and social security number. I became suspicious and immediately hung up. I then called XXXX ( the number on the back of my card ) and they were not aware of any security breech, the bank was also unable to locate the number I was texted XXXX. The representative called the number as well and indicated that this company is not affiliated with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE. AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian & XXXX continue to erroneously report multiple public record items that their public records vendor is not reporting ( see attached ). Additionally, Experian has covered the fact that XXXX is it's public records vendor in a malicious effort to harm the consumer ( ( EXPERIAN PUBLIC RECORD SETTLEMENT Case No. XXXX  ( XXXX Va. ) and Case XXXX XXXX ( XXXX Va. ) United States District Court for the XXXX District of Virginia ) ). I am requesting these credit bureaus be investigated in my case ...

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 2019-02-09
Company: Carolina Finance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was provided a pay off amount on XXXX from XXXX XXXX by email. I made the payments and monitored the account via credit reporting because after this I was told The information could not be provided by email. It's always a hassle with this office. Based on information provided by XXXX credit reporting, I had balance of XXXX. I paid this amount off in 2 payments. I received a notice on my door stating I owed. I on XX/XX/XXXX. I emailed the office. On XX/XX/XXXX, that Monday, I received an email saying my account was not paid off. I spoke with XXXX XXXX on XXXX XXXX, who told me by account was not paid off. He then told me I owed another 1500+ plus dollars. I then asked for the payment history. He put me on hold and did not return to the phone. I called back and was put on hold again when I asked to speak with him. He never returned to the phone. I then asked for the payment history to be sent again. After not receiving, on XXXX I requested it again or to send me my titled. It was finally mailed out and it is now showing I owe XXXX not 1500.00+. I then informed them this could not be so and they had even reported to the credit bureaus I owed nothing and to send me my title because I did not owe anything else or it would have been included in the balance. This company also in XX/XX/XXXX repossessed my car with only one payment outstanding saying it was because I did not call the office and I had to have a cell phone number to keep in contact. At this time they told me that they had to put a tracker on the car and I had to pay for it as well or I would not get my car back. I complied n order not to be responsible for more storage. I needed the car and could not afford this absorbency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: Synergetic Communication Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXXSynergetic Communications, Inc. 
stating I owed a debt that does not show up anywhere on my credit reports and that I have 30 days to contact them to dispute before I make any attempts to tell them I do not owe I was told to contact you guys because this company has sort of a history of trying to collect on bad debts or outright false debts. 

they state payment must be made by XX/XX/2021 the full amount listed that they claim I owe is XXXX but they have a one time special offer of XXXX to pay it off in full, they state the original debt is through XXXX XXXX XXXX  which I also do not recognize. 

I should add they also have many reports on XXXX  with similar complaints regarding them just tossing claims out and hoping it sticks I pay what I owe but I don't owe this and I want them to leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I got into an accident a few months ago and as far as I knew the insurance company and gap insurance were supposed to take care of the loan. On XX/XX/XXXX the insurance company sent the dealership a check of over 10,000 dollars to pay on the vehicle. We have continued to receive calls regarding this account, and today I spoke to someone who identified herself as XXXX XXXX who was very rude, stating they never received the payment and GAP insurance wont kick in until we do. She also said that the check of over 10,000 would not cover any past due amounts I.e. what we havent paid since our car was totaled. I asked why and she got frustrated with me, not understanding my actual question which was simply why wouldnt the insurance check cover the past due amount and kept telling me GAP doesnt cover past due amounts, which was not what I was asking. I tried to explain my question to her and she told me I wouldnt get anywhere with this conversation if I kept talking over her. 

I asked for her supervisor, whos name was XXXX, who then got on the phone and explained she saw nothing wrong with the conversation on her end, as she sits next to XXXX XXXX and didnt hear her get loud. I asked the same questions, which werent answered by the supervisor either. Who also became rude with me. I asked to be removed from the call list, saying that I would prefer to deal with this on my own than be treated poorly by debt collectors who wont answer my questions, or even try to understand them. She then said that we wouldnt be able to be called by the GAP insurance either and we would have to contact them. 

All in all I still have no answers, not to why they havent received a check that was sent to them a month ago, or why Im being held responsible for payments that were after the date of the car being totaled, or why the check from the insurance cant cover those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has committed fraud and falsely reported accounts, addresses, and inquiries on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into my local Citibank on XX/XX/2020 around XXXX. I had the teller transfer {$100000.00} into my personal savings account. I then sat with a bank representative that took my passport information and placed a wire for me in the amount of {$100000.00} to my personal XXXX account. The wire never made it. I later found out that Citibank not only stopped the wire, but returned it and then froze my account. I called daily to ask them to unfreeze my account. They told me I had to wait 7-10 business days for a letter with a reference number. I even went back into the same branch and they called the fraud department to tell them they were the ones that initiated the wire and to unfreeze my account. I called daily to speak to a supervisor, was told one would get back to me and no one has called me. I received the " letter '' and it had the wrong name ( last name XXXX ) and it also had the wrong last 4 digits of the account number in question. I called and told them that they had made a massive mistake, gave them the reference number and my account is STILL frozen since XX/XX/XXXX. I was promised an email within 24 hours. It has been XXXX hours now. They are holding my money hostage, {$120000.00} to be exact. This is not okay. I am now having XXXXXXXX XXXX and XXXX and no one will help me. Please help.

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 2018-01-17
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
IN XXXX OF XXXX I OPENED A SECURED CARD ACCOUNT THROUGH XXXX IN XXXX TEXAS SECURED CERTIFICATE OF DEPOSIT IN THE AMOUNT OF XXXX CARD WAS PROVIDED WITH A LIMIT OF XXXX i MADE SEVERAL PAYMENTS AND CLOSED ACCOUNT BECAUSE OF UNAUTHORIZED CHARGES AND THE PAYMENTS NEVER REFLECTED THE PRINCIPAL BALANCE, CUSTOMER SERVICE WAS HORRIBLE AS WELL. iN XXXX XXXX I DISPUTED CHARGES AND ALSO AT THAT TIME ASKED THAT MY ACCOUNT BE CLOSED. I RECEIVED A COLLECTION CALL XXXX XXXX AT THAT TIME I ADVISED TO COLLECT CERTIFICATE AND DO NOT CALL ME ANYMORE. i FELL SICK IN XXXX AND LOST EMPLOYMENT AND GOT TIRED AND FRUSTRATED WITH HARASSING CALLS.i NEVER HEARD FROM THEM AGAIN, I CHECKED MY CREDIT AND SEEN THEY WERE REPORTING A DEBT IN THE AMOUNT OF OVER XXXX. I WENT TO XXXX AND CLOSED MY ACCOUNT ON MY CD. XXXX XXXX, THEY COLLECTED XXXX WHICH I FELT WAS INCORRECT.I WAS ADVISED TO CONTACT CARD MEMBER SERVICES ON XXXX/XXXX/XXXX, PER BANK REPRESENTATIVE. AFTER BEING TRANSFERRED 8 TIMES I SPOKE WITH XXXX XXXX BANKRUPTCY DEPT STATES MY ACCOUNT IN BANKRUPT STATUS, WHY IM NOT SURE NEVER FILED BANKRUPTCY, SPOKE WITH XXXX ALSO WHO STATED SHE WAS TAKING CARD OUT OF PENDING BANKRUPTCY STATUS, ADVISED THEM I WAS CONSIDERING HIRING AN ATTY. THEY STATED IF I HIRED AN ATTY THEY COULD NOT SPEAK WITH ME. THAT WAS QUESTIONABLE. I WAS CONTACTED BY XXXX ON XXXX WHO TRANSFERRED ME TO XXXX XXXX  XXXX WHO WAS SUPPOSE TO OFFER ME SETTLEMENT OPTIONS. HE OFFERED 50 % OFF OF XXXX DEBT I FEEL I DO NOT OWE AND THEN TRANSFERRED ME TO A SUPERVISOR WHO OFFERED ME A 30 % OF A DEBT I DO NOT OWE. i ASKED FOR A PHYSICAL ADDRESS AND A PHONE NUMBER THAT THEY REFUSED TO PROVIDE ME TO SEND CERTIFIED LETTER. ALSO THAT ADVISED ME THEY DO NOT COLLECT ON DEBT UNTIL AFTER ITS CHARGED OFF. CHARGED OFF XXXX AND HAS AFFECTED AND REPORTED TO MY CREDIT NEGATIVELY THE INCORRECT AMOUNT OF DEBT BEING THAT IT WAS SECURED.

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 2019-02-09
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, XXXX XXXX XXXX XXXX XXXX KY XXXX TO SEND PAYMENTS, CITI XXXX XXXX   XXXX XXXX XXXX, SD XXXX ALSO has an agreement with XXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) where CitiMortgage will utilize XXXX XXXX to perform various servicing functions for my 2nd mortgage I have had since XXXX to XXXX. The BBB has all bad reviews and XXXX is not an accredited by the XXXX. XXXX is a fraud and scam consumers. I have talked with CITI and they will not help. XXXX XXXX TERMS and AGREEMENTS are not acceptable, but you have to agree to them to pay your mortgage. We have not agreed and would like the federal government to see the people begging for help. I would like to know my options and where to turn for help. Letter stated ACTIONS NEEDED, Beginning XX/XX/XXXX all mortgage payments should be made to XXXX XXXX directly. To reach XXXX   XXXX  call XXXX. MY NEW ACCOUNT NUMBER: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