BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my home in XXXX and refinanced with XXXX dba XXXX which sold the loan to XXXX in XXXX. There have many different Servicers and the most recent on is Caliber which had its licensed revoked in the State of California. by XXXX XXXX XXXX Deputy Commissioner XXXX XXXX XXXX Assistant Chief Counsel XXXX XXXX XXXX ( State Bar No. XXXX ) Senior Counsel Department of Business Oversight XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX The ruling stated : NOW GOOD CAUSE APPEARING THEREFORE, it is hereby ordered that the residential mortgage lender and servicer license issued by the Commissioner to Caliber Funding LLC is hereby revoked. This order is effective as of the date hereof. Pursuant to Financial Code sections 50310 and 50311, Caliber Funding LLC has sixty days within which to transfer its existing service accounts and complete any loans for which it had commitments. Dated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, California Commissioner of Business Oversight By : XXXX XXXX XXXX Deputy Commissioner Enforcement Division. 

Yet during XXXX I sent Caliber over {$20000.00} USD which were not applied to my alleged account. ( See 1098 and Trustee Letter attached ). 

Pursuant to RESPA, TILA, FDCAP, FAC, etc. I requested further information from Caliber, XXXX XXXX acting as a Trustee, and the alleged Trust that has my note, XXXX Master Participation Trust and they have failed to disclose this fact to me. 

They keep attempting to foreclose on my property even though my wife has filed a Chapter XXXX BK and has an automatic stay in place. 

They have even sent drones and taken pictures of my home and family without my permission which is totally unlawful in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a large medical balance with XXXX XXXX XXXX. When I tried to set up a payment plan, they wanted a $ XXXX payment, which is impossible for me to make. I have, however, made a payment to them every month for the last 10 months ( since I got the bill ). They however sent my acct to collection because it is not a $ XXXX payment. The collection agency calls me all the time. Telephone # XXXX. They never leave a message, if i answer they hang up, etc. I just received a call at my workplace from a XXXX XXXX, who refused to identify herself except as XXXX to the secretary. I have told her under no uncertain terms, she is not to call my work #. She says she is allowed to unless I tell her not to, which she has now been told. I find it absolutely unbelievable that an acct that has never gone 30 days without a payment ( and some as often as every 2 weeks ) has been sent to collection, let alone an acct that has monthly payments on it, allows this woman to contact my workplace!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited title company check from real estate sale on XX/XX/21. Hold was placed on funds availability until XX/XX/21. Unreasonably long delay when funds settle in 3 days.

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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: WELLS FARGO & COMPANY
State: NY
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:
After bankruptcy, i tried to rebuild my credit. I applied to a wellsfargo creditcard and was told no a couple of times and i was told i was denied because of the bankruptcy. I was told i could open a secured card to rebuild my credit with a deposit. I opened it with XXXX then i was told i need to open a checking account with XXXX and a saving because wells fargo does not lend to non customers. I need to build my credit so i agreed. After a few years in fees in the checking, savings and credit card. I decided to park XXXX in the saving to avoid fees yet i was still charged and when i called to complain they told me i need to keep a minimum of 300 a month this went on for 3 month were i did not touch XXXX from the account and was still charged monthly fees, so i pulled the money because they would charge me the monthly fee regardless. After a while wellsfargo returned my security deposit and increased my balence of credit. I fell in hard times and used it. After a while i tried to renegotiate my rate and was told no multiple times. So i said i would close the checking and savings. I was reminded by the bank that they only extend credit card to bank customers and if i was not a customer my balance was due. I did not have the cash so i just left the account open. I dont even use the checking and savings with them, i have a main account with chase were i pay my bill and everyday expenses.

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 2021-07-01
Company: CAINE & WEINER COMPANY, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing a copy of my credit report and I realize that as a consumer Caine & Weiner are violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me and my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Under the recent changes to law, effective XX/XX/2017 Public Record data reported must include a minimum of name/address/SSN/ and date of birth in order to appear on a credit file. The credit bureaus haven't updated/reported this info and per the law Bankruptcies don't include this info and this should be removed promptly from 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 2020-05-12
Company: AMERICAN EXPRESS COMPANY
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:
I, XXXX XXXX, from XX/XX/2020 through XX/XX/2020, was denied a fraud claim in the amount of {$930.00}, from American express serve after a scammer contacted me asking for my information to submit my stimulus check. I notified American express serve and they denied it immediately. I have no funds for my children and I and I have taken the proper steps to endure this foes not occur again I also requested my account closure due to me not feeling safe being their client. American express denied my claim and closed my account stating I violated terms since I requested closure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I opened a XXXX XXXX Card back in XX/XX/XXXX, I requested that the card be closed due to the interest being so high and to send me a final bill. I received a final bill in XX/XX/XXXX for {$900.00} I phone XXXX XXXX and spoke to XXXX  to let her know there was a discrepancy in the amount owed. In XX/XX/XXXX I made a pmt of {$75.00} money order XXXX  on XX/XX/XXXX a payment of {$75.00} was made conf # XXXX  it was then determined the correct balance owed was {$570.00} and I received a revised bill with the correct amount. On XX/XX/XXXXa payment of {$400.00} was made conf # XXXX on XX/XX/XXXX a final payment of {$170.00} was made conf # XXXX that would be the final payment. InXX/XX/XXXX I received a collection letter from XXXX XXXX XXXX for this account collecting {$900.00} I phoned them immediately to get this all corrected. I spoke to a XXXX  and he said he would verify the account and if it was an error he would have XXXX XXXX correct the account and fix my credit report. Late XX/XX/XXXX I received a letter from the collection agency and XXXX XXXX showing there was a XXXX balance and that my credit report would be corrected. As of today my credit report still has not been corrected and is still showing all these late payments and shows as a charge off. I am asking that the lates be removed and it reflects as a paid account and close at customer request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My bank NYCB have upgraded there portal and I reached out to them asking for help with resetting my account access I spoke to person by name XXXX at XXXX location she was very unhelpful. After work I try to call 1800 number for last few days and I got disconnected, please help me resolve this issue, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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:
I had an account with XXXX  with a last bill of XXXX. It has now been turned over to XXXX  XXXX. XXXX  XXXX has reported to the credit bureaus od XXXX  and experian that the account was opened in XXXX. They have appeared to re-age my debt and this is not legal.

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 2021-07-01
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
The leased car was returned on XX/XX/XXXX. The monthly lease payment of {$320.00} for that XXXX was paid on XX/XX/XXXX. Kia Motors Finance sent me a letter dated XX/XX/XXXX itemizing XXXX charges that totaled {$850.00} that XXXX said i owe them. Those charges were grossly inaccurate. 

Three of the charges were proven incorrect and XXXX eliminated them. The lease disposition fee of {$400.00} was agreed to. However, the final payment for the month of XXXX remains in dispute. 

XXXX is saying i did not make this payment. So, they want to add {$130.00} for the 11 days in XXXX that i had the car to the {$400.00} disposition fee and say i still owe them {$530.00} XXXX rounding error ). That is NOT TRUE and i sent XXXX a pdf schedule downloaded from my bank XXXX XXXX XXXXXXXX XXXX  XXXX that proves i made the payment. 

Since i made that payment, XXXX in fact owes me a credit of {$190.00} XXXX XXXX - XXXX ) for XX/XX/XXXX. 

Therefor, the final lease end payment should be net {$200.00} XXXX XXXX - XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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 filed a Consumer Finance complaint previously with XXXX XXXX regarding account XXXX. They responded and stated they would have the account removed from the credit bureaus, but when I check my Experian report the account is still showing.

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 2018-03-27
Company: American Collection Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off this balance with this doctors office nearly 5 years ago. After paying off the whole balance, this item didn't appear on my CR for 4 YEARS?!?!?!. Since it appeared, I have been trying to get this removed. I did dispute this item with both XXXX and XXXX. They determined that the collection company 'American Collection Systems could NOT PROVIDE ANY PROOF THAT THIS DEBT WAS OWED by the individual ( me ) ' so they both removed it after they investigated.

Unfortunately i am STILL unable to get this removed from my XXXX   Credit Report for some reason even after disputing it multiple times with them. This fraudulent item is lowering my credit score by at least 75 points with XXXX.

The debt collections company wants me to prove I paid it off but, again, I paid it off 5 years ago and no longer have any records of those payments.

The entire bill was nearly three thousand dollars and it was paid in full in 2013. There is no logical reason why would I pay 90 % of the bill but not the rest. Also, why did no one attempt to collect on this debt for FOUR YEARS if I actually owed this?

I have asked this company ( at least 4 times now ) for ACTUAL proof that I owe this debt and all they provided was the doctors name and information. I need PROOF of the debt ( e.g. original bill amounts owed, all payments made, running balances, etc. ) otherwise I can't prove I paid it off and 'Amer Coll Sys ' can't prove I owe it either.

I researched this and, in California, where I live, the burden of proof is on the debt collection company to prove that this money is owed, not on the customer to PROVE it was paid. They are attempting to collect on FRAUDULENT debt but they refuse to take any responsibility about correcting their records.

I have attempted to resolve this with the Collection co. directly multiple times and with XXXX multiple times as well to no avail.

I want this fraudulent item removed from my XXXX credit report and for this collection company to never bother me again.

I PAY ALL MY BILLS on time, but I'm not a fool, and i don't pay debts that i don't owe or that I already paid.

Please get them to stop harassing me or get me REAL PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit 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 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My mother hired and paid a moving company on XX/XX/XXXX. I was at the new location as the movers completed the job. When they finished, the movers told me they hadn't been paid. I proceeded to pay the moving company again for the same moving job. 

Later, after speaking with my mother, we realized we both charged for the same job. We contacted the moving company and requested they refund the money that I paid them, since it was my mother who hired them. On XX/XX/XXXX, the moving company said they would refund me by XX/XX/XXXX. I attempted to contact the company on XX/XX/XXXX and XXXX after not receiving the refund. After not receiving a refund and no contact from the company, I filed a dispute with my bank on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice that my bank denied my dispute claim, saying the information they got from the merchant showed it was a valid transaction. They send proof showing that I signed the receipt. I contacted the bank again and they were under the impression that my dispute was because I was charged twice. I clarified that I was not double-billed, it was that two different people were each charged for the same service. They said I should resubmit my claim. 

On XX/XX/XXXX, I resubmitted my claim, being more detailed in explaining the scenario and including the bank statements for both my mother and myself. I highlighted the charge from the moving company on both statements, showing they both posted on XX/XX/XXXX. 

On XX/XX/XXXX, I received notification that my claim was denied because I already submitted a claim for the transaction - even though the bank told me to resubmit the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been harassed by MACYS about a debt I do not owe. They have contacted me at my place of business which is out of order. They are in violation of several US Codes. In the attached Exhibits you will see MACYS is in Violation of 15 USC 1692b. ( 5 ), 15 USC 1692d. ( 2 ), 15 USC 1692b. ( 2 ), and several others. Attached you will find mailed copies from me the consumer, to MACYS stating I do not owe this debt, a cease and desist, along with Exhibits A and B, with their USC violations. There is an Invoice attached for {$8000.00} due to the criminal and civil negligence on MACYS behalf. I would like for MACYS to stop contacting me in regards to this debt that I do not owe, and pay me for the multiple violations giving to me under under 15 USC 1692

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 2021-07-01
Company: Navient Solutions, LLC.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation