BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-12
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a new complaint and not a duplicate. 

On XX/XX/XXXX Caliber sent me the attached letter and payment history clearly stating that on XX/XX/XXXX I had {$2100.00} ( $ XXXX+ $ XXXX+ {$100.00} ) in my account and they failed to post it as a post-petition payment on my account. This triggered a lift of the automatic stay of my Bankruptcy which has made me incurr in additional Attorney fees and costs, economic and non-economic damages, and punitive damages. 

According to the recent XXXX ruling on XX/XX/XXXX in XXXX, Illinois at the XXXX XXXX XXXX United States Court House, XXXX XXXX was awarded {$500000.00} in compensatory damages, {$70000.00} in non-economic damages, {$12000.00} in economic damages and {>= $1,000,000} in punitive damages. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. led the litigation team on behalf of XXXX. 

My case is very similar in that in XXXX encountered financial troubles and defaulted on the loan in late XX/XX/XXXX. In early XX/XX/XXXX, XXXX XXXX attempted to foreclose on the property. XXXX filed a Chapter XXXX bankruptcy in order to stop a foreclosure and to catch up on the mortgage arrears on her residence. The plan of reorganization was confirmed by the court and XXXX began to make both her contractual mortgage payments along with her Chapter XXXX plan payments. XXXX 's mortgage loan was serviced by XXXX XXXX XXXX for XXXX XXXX until XXXX XXXX transferred the servicing rights to XXXX in XX/XX/XXXX. XXXX made all of her plan payments through the Chapter XXXX trustee and made every single mortgage payment directly to XXXX XXXX XXXX ( XXXX XXXX ) and subsequently to XXXX once XXXX took over servicing rights. 

The jury, after deliberating for approximately 7 hours, determined that XXXX breached its contract, violated RESPA for failing to adequately respond to XXXX 's Qualified Written Request, violated the FDCPA and committed both unfair and deceptive acts in violation of the Illinois Consumer Fraud Act. XXXX XXXX was awarded {$500000.00} in compensatory damages, {$70000.00} in non-economic damages, {$12000.00} in economic damages and {>= $1,000,000} in punitive damages. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. led the litigation team on behalf of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are XXXX accounts that hit my credit report in XX/XX/2023. I did not receive any correspondence from XXXX XXXX, nor XXXX. XXXX has allowed XXXX to double report this item on my report. I also tried to resolve this with XXXX and provideded them with proof of my current lease and I was not living in XXXX Texas where the services were. I also found that all 3 credit reporting agencies are allowing the collection agency XXXX XXXX XXXX XXXX, for XXXX and XXXX double report the accounts on my credit reports to further bring my credit score down. 

Up until this happened, my credit was stellar and because Experian, XXXX, and XXXX allowed the XXXX items to be erroneously reported, my credit score has gone down more than XXXX points. XXXX XXXX XXXX XXXX, nor did XXXX or XXXX contact me to let me know I had an outstanding balance. 

My nephew got the utilities switched over in his name, a few months after I moved out and he was paying the monthly bills. I did not know I had a balance although he was paying under my name. But I also was not notified of those balances and I called and sent letters via XXXX to both XXXX and XXXX and never heard back from him. 

My nephew has since sent me the money to pay for the accounts off. But, I still was not notified via US Mail that I had an outstanding 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 explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have been rebuilding credit and Working in my credit for the past 3 years trying to clean it up to get a mortgage. Ive tried to work with creditors and tried to work with reporting agencies to the point I just cry and want to physically die. All they can tell me is these old accounts that have been on my account their are no new negative marks and my score continues to yo-yo Ive paid off collections, started new accounts paid them off charged and paid. Ive tried disputing, nothing helps. I recently logged in to my equifax to see a 92 point drop in my score. No explanation, I called spoke with reps and no explanation besides the old accounts that have been charged off accounts that were opened in XX/XX/XXXXand XX/XX/XXXXI truly understand why people commit suicide over their finances. Ive asked what can I do and the response is keep paying wait 7 years. Ive waited 10 for a bankruptcy to come off Ive been continuously working n my credit but theirs no relief and all I want is a mortgage so I can stop paying the sky rocketing rents where I live but Im just a number to everyone Ive spoken too. When did we forget their is a person behind the number. My life has had struggles and my credit reflects so but their is no relief NOTHING.

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 2021-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
at XXXX est on XX/XX/2021 I have been unable to login and access my brokerage account where my assets are held.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019, I contacted Portfolio Recovery Associates, LLC via certified letter regarding various daily annoying debt collection calls. I sent the attached CEASE and DESIST letter requesting documentation that supports why they believe the debt belonged to me and I received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
When the pandemic started last year (XX/XX/2020) I contacted Capital One to request the deferment of my payments- due to COVID-19 and job-loss. Capital One was very nice and agreed to defer all my payments for 6-months, they also told me that I would not need to make any payments and that they would not report any late payments on my credit reports. Fast forward to today, and Capital One is reporting several late payments on my credit reports. They said that they would not report late payments but, they did, this is not right! I am trying to buy a house and their late payments are stopping me from being able to get a mortgage. Please help me get these late payments removed, per our original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: NV
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 been an ID theft victim, today I tried to get my free credit reports and tried calling to no success. My XXXX report I downloaded is not in my phone as a PDF, its missing. I am not getting my emails of the information. I am compromised and the old information to get me logged into my credit reports are wrong, therefore I can not correct or dispute anything. My correct phone and email is XXXX, and email is XXXX : I can never get anyone on the phone and when i do I get disconnected! How do you fix this issue? I am being hacked in every way. My phone service, emails, phone, work, personal, social media everywhere!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
Was a victim of identity theft and have submitted the documents to have the items removed to the following credit reporting agencies, XXXX, TransUnion and XXXX. An auto loan was obtained from XXXX XXXX. A credit card was obtained from XXXX which is the XXXX XXXX XXXX, I was never in the military or affiliated with the military. 
An account was established with XXXX XXXX. Several payday loans were taken out from a company named 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
my credit report dropped 40points over a deliquency account that I have made an attempt to paid off already but XXXX XXXX XXXX wont take my legal instruments as payment. I demand to the late payment history, the deliquency account, and bad payment history removed asap from my credit report. I have sent a 1099a and a coupon that was sent to my home for wtv they said i owe yet XXXX keeps reporting innacurate info to my credit. I would attach them but i cant attach anything over 10mb. I attached however a copy of the template i sent to XXXX demanding to validate the debt.

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 2023-04-12
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XX/XX/XXXX I received a notification from Albert stating my XXXX  account ( the primary account where they have been withdrawing my money for my savings goals ) had disconnected and I tried multiple times between and XXXX and XXXX to reconnect it. 
- I reached back out to Albert on XX/XX/XXXX asking that they manually find a way to reconnect my account so I could withdraw the over {$4000.00} dollars that I have saved in the app. 
- None of the instructions received worked and on XX/XX/XXXX they told me that the app would need to be updated and this could take 2-3 business days. 
-It is now XX/XX/XXXX and I am still not able to withdraw my savings from the application. I have been constantly reaching out only to be bumped from person to person asking for me to explain the situation over and over with no resolution. 
-There is no live representative to talk to and they are saying they are not able to fix it. They are holding my money with no way for me to get it out.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX  ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: CONDOR CAPITAL CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Tried for a few month trying to pay my car payment online ( condor capital Corp ) and when I called the number billing department in New York is not dealing with payment to call XXXX XXXX gave me new number which is now in XXXX XXXX I ask them to send information to me in writing so I can see what I 'm paying for. They told me they need will have to request from manager. and to send secure payment will except XXXX XXXX or money gram. Very confused getting run around since XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to the Huntington ATM at XXXX XXXX XXXX, XXXX OH XXXX to get money out of my savings. I entered {$180.00} and then it asked what denominations I wanted. I put in the amount of different bills and it immediately gave me my card back and said I needed to call Customer Service as the transaction could not be completed. I knew I had at least {$300.00} in the account. I immediately went to my car and looked at the app. It showed it posted to my account as if I received the funds. 

I called Customer Service where I waited for 45 minutes just to speak to someone. It was escalated to a XXXX who said he filed the dispute and it will take up to 10 days to get my money. I said WHOA WAIT ... I put that money into your financial institution in good faith and now its going to take up to 10 days to get my funds back that I trusted your machine to give me? He said well ever since we got the new machines we have had issues. I said not my problem. It IS my problem that I don't have money and you will not be providing me an immediate credit. I said run the camera 's, balance the ATM ... DO SOMETHING!!! He said they can not do that. 

I called again today to follow up and now being told they had to wait until it posted to my account which was yesterday and again, it can take up to 10 days. NOT FAIR!!! I trusted them with my funds. Now I have to close my accounts and bank elsewhere. It did not even provide me with a receipt. 

I am just getting the run around and of course no one at the branch answers the phone. It all goes to voice mail. I work for a living and can not physically get to the bank during normal business hours. Can you please help me? 

Thank you and have a good day!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: Lockhart, Morris & Montgomery Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't have any doubt, so I don't know why I receive a letter that a have to paid a doubt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Paramount Recovery Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was hit by a drunk driver. I was represented by an attorney and the case was settled in XX/XX/XXXX. On XX/XX/XXXX, my attorney contacted and paid all of my medical debts in full. I received copies of all of the deposited checks for my records. In XX/XX/XXXX Paramount Recovery Systems posted a delinquency on my credit report for one of these medical bills. The bill was from XXXX XXXX XXXX XXXX XXXX. I called the debt collector and explained the situation. The representative said she would send a message to her supervisor and call me back. This went on until XXXX when the representative told me that I had to email the proof of payment to her supervisor. On XX/XX/XXXX I emailed the proof. 2 weeks later I called again and the representative said she saw the message but that nobody and looked at it yet. I called again a week later and the representative told me that the supervisor was working on it. On XX/XX/XXXX I tried to refinance my mortgage. The errored delinquency was still on the report. The lender informed me that I would have to pay {$2000.00} more because of that delinquency. I called the debt collector and informed them that they had proof of payment for 56 days and had done nothing. And then I discovered that they had actually reported the errored delinquency to another credit reporting agency on XX/XX/XXXX. That is a month and a half after they received proof of payment. The representative told me that my deposited check was not proof and that they would have to speak with someone at XXXX XXXX XXXX to prove that the deposited check was in fact real. This is a bank check through an attorney 's office, not just a personal check that I created. I called XXXX XXXX XXXX and after being transferred and put on hold for over 2 hours they confirmed that they had deposited the check and they were not sure who Paramount Recovery Services even was. They had no record of anyone attempting to call from there to get an explanation. I called Paramount Recovery Services and was told by the rep with a rude and conversation ending tone, " Sir. There's nothing I can do for you. Either we have to hear from XXXX XXXX XXXX or you could just pay this now and it'll make it go away. '' I am at a complete loss and feel helpless to these people who are causing me stress and financial hardship even though I have proven to them that I have already paid this medical bill. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: CA
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:
To whom it may concern I looked at my consumer report and noticed fraudulent accounts I request that they be deleted I did not give permission to these accounts to be open Nord have any knowledge of these accounts I have attached our documents supporting claim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was told by Chase bank for three years that they would do a loan modification. They kept telling me that my paperwork was lost, lost in the shuffle due to them taking over a XXXX XXXX. Their computer systems were down during their transition and unable to reach me. 
After persistence from me, with the help from FHA, after fourth year Chase finally modified my loan. But in doing so, they wrongfully charged me {$50000.00} penalty for past due payment as a condition of modifying the lone. In doing so, my mortgage payment is much higher than it should be. 
Id like to add that I did tell Chase that I could make payment back then, but they were the one who told me to hold on to make the payment. Since the modification ( XX/XX/2014 ), I havent missed a mortgage payment. 

I feel strongly that they were in pursuit of taking my home as I am XXXX XXXX  homeowner, as I read many of stories of J.P. Morgan Chase and other mortgage companies were foreclosing on XXXX  homeowners. 
My next step is to go to news agency as well as my formal complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The Bankruptcy listed below is needed to delete from my Credit Reporting. 
XXXXXXXX XXXX XXXXXXXX Amount : $ XXXX XXXX : XX/XX/2017

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