BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
when I found out that the loan for my mortgage was in the wrong name, I contacted the XXXX, the mortgage company at that time. They did nothing. I sought legal advice to have it removed. I was told that I had to refinance my house, if I wanted it out of that persons name. XXXX told me they did n't do refinancing or modification. I contacted other companies for modification but unfortunately I was XXXX mailed by the person whose name was in the loan. He requested money to sign the paperwork. After I paid him the money, he left town. This caused my house to foreclose. XXXX then transferred my loan ( with the same fraudulent paperwork XXXX to XXXX home loan. I spoke to XXXX today, XXXX/XXXX/XXXX, for the XXXX time, about the fraudulent name and documents. According to XXXX, there is no paperwork with my name on it. Now that my house is in foreclosure, and I 'm not able to do any transaction or ask any question, unless I give them the info for that criminal that they have all over my paperwork, I have no choice but to report this fraudulent act to the government. I had to declare bankrupt, just to save my house, as I 'm the rightful owner. 
I 'm trying to settle this matter without filing a civil suit, as I 've exhausted all my financial resources. The owner of the loan is XXXX Master Participation XXXX. They are predators, who preyed on innocent people like myself. They falsified the paperwork when I did my refinancing in XXXX, removed me as owner of my house, while they collected money from me for the mortgage. I was not able to enquire about my property, without giving them the info of the criminal that they used to XXXX side me. I brought this man to the settlement at the time of closing in XXXX XXXX, based on what they told me. I never knew that they would put my house in his name. This was a scam and fraud, but I never knew it then. It was n't until XXXX, when I refinanced the house, that I realized that I was scammed! I had no choice but to include the scammer in the refinance process. That 's how XXXX, had it set up. XXXX, kept transferring me from XXXX servicer to another. Finally they sent my paperwork to XXXX, whose plan is to take away my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Western-Shamrock Corporation
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: Public record information inaccurate

Complaint:
Im a victim of identity theft these consumers are still validating information incorrectly although Ive already complained that Im a victim of identity theft to all major credit bureaus monthly they are still saying its a balance placing calls to my phone mailing things to my address and again I have no knowledge of these fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts need to be removed ASAP its messing up my lively hood and they are reporting Fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: MN
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:
In XX/XX/2022 I sent letter to the 3 credit reporting companies XXXX Equifax and XXXX, asking them to do a Theral review of my credit report, they did but i did research and found improper even after their Theral research. the account # XXXX XXXX XXXX XXXX does not belong to me and several companies XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all pulled my credit report without my written okay to them. In accordance with the fair credit reporting act XXXX account # XXXX have violated my rights 15.u.sc6181 section 602a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions, i have done none of that i had no knowledge. i have been frauded not only by the person whose been using my identity and by the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I contacted Transunion on XXXX/XXXX/XXXX in regards to a disputed public record and XXXX other unverifed accounts on my credit report. Transunion failed to provide me verification of the above disputed items nor did they remove them from my credit report. When I called, I was told that they did not have a disputed from me on the date in question. The next time i called i was told that the investigation was incomplete. As of today i still have not received verification, method of verification, a notice of failure to verify or an deletion of this incorrect information which is a violation of the FCRA.

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 2020-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: CITIBANK, N.A.
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We XXXX bought a timeshare while on our honeymoon in XXXX. Most foolish/worst financial decision of our lives. This was XX/XX/XXXX. We 've been trying to get rid of it since then. We 've fallen prey once already to a company claiming to resell it for us. Since then we disregarded several more attempts to scam us around this issue. Sadly, in late XX/XX/XXXX we got another resale offer. This one looked legitimate possibly. I forwarded the contract to an attorney who I spoke to but he stopped engaging. We had several phone conversations with the person posing as XXXX and felt there was legitimacy to this. We moved forward. We wired {$1200.00} for fees that were " guaranteed '' to be returned upon closing. An additional {$1000.00} was wired for taxes ( non-returnable. our only " cost '' ). We were told that the closing was scheduled and that upon completion we 'd be contacted to chose a title clearing company where we could finalize our end of the transaction and receive payment. As the closing approached communications became sketchy and unprofessional. The closing was supposedly on Friday XX/XX/XXXX. We 've heard nothing since. There was also a man posing as XXXX in their " processing '' department that I spoke with and emailed with. Both he and XXXX 's phones direct to voice mail now. Neither has a mailbox message. Neither identifies themself. His mailbox is full. I 've left XXXX multiple messages. Her email bounces back as undeliverable. His does n't. Their email XXXX is an inactive website. Using XXXX it is owned by : Organization : XXXX Mailing Address : XXXX, XXXX NJ XXXX US Phone : XXXX. I see now there are multple compaints of fraud against this entity. I 've texted both XXXX and XXXX multiple times demanding a response. I 've heard nothing. I gave them until today, XX/XX/XXXX to respond before reporting them to the authorities. We 'd like to pursue this complaint to whatever degree is possible. I have complete email exchanges, the signed contracts, and the wire transfer details. I hope we can work with someone to pursue this matter further. Please advise.

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 2017-04-13
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Other financial service
Sub-product: Credit repair
Issue: Advertising and marketing

Complaint:
I was notified by a creditor that my personal information was being used to change/ charge on my credit accounts. Upon reporting and freezing account with credit bureaus, I found that I had been solicited by a " credit repair '' law firm in the form of them running my credit report. 

In addition to this law firm running my credit report, at the same time my identity theft was being committed, I have been receiving credit and loan offers in the mail. I believe that in my research for a personal loan/debt consolidation when I visited XXXX, my personal information was SENT directly to an unsecured site, where misc companies could view and solicit. At the same time, My personal information was stolen. IDENTITY THEFT. 

I decided NOT to pursue a loan, and I did NOT need credit services or credit repair and I thought I had deleted information on the XXXX site that I landed on. I certainly DID NOT agree to a credit check or any further solicitation from any lenders or credit services. 

THE ISSUE IS : Whatever unsecured site ( s ) these lenders, credit repair companies, etc got my personal information from, is also where the information was unsecured for IDENTITY THEFT to occur. I would like to investigate where they got my personal information from and this may lead to the person/persons who used my information in IDENTITY THEFT. 

The Company that ran a credit check ( 3 times ) without authorization : Lexington Law PGX/LEXINGTON/LAW XXXX XXXX, UT XXXX XXXX Loan Solicitation By mail : RPM Lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was not working normally so I contacted them. I received an email on XX/XX/XXXX from support after contacting them for help. They told me my account was closed and are not replying to my questions. I have not done anything out of the ordinary in the past few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX - {$99.00} Noticed this charge and disputed and cancelled debit card .... 
XXXX Days later Debit card is still active and these charges were made : XX/XX/2022 XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - {$54.00} XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXXXX - {$19.00} XX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - {$51.00} XX/XX/2022 XXXX XXXX XXXXXXXXXXXX XXXX XXXX - {$65.00} XX/XX/2022 XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - {$65.00} XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$19.00} XX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX - {$65.00} This put my account in negative and a check was bounced because Ally Bank didn't cancel the debit card right away even after reporting fraud. Also the disputed charges above should have been credited back to my account within XXXX days, which hasn't happened. Only these charges have been credited back : XX/XX/2022 Credit for Dispute XXXX - XXXX {$19.00} XX/XX/2022 Credit for Dispute XXXX - XXXX {$65.00} XX/XX/2022 Credit for Dispute XXXX - XXXX {$65.00} XX/XX/2022 Credit for Dispute XXXX - XXXX {$99.00} Question is debit card has been used twice at the same ATM ... .data has been compromised with our debit card number and we have not received any communication.

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 2017-04-13
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech failed to help me with my loan modification- they called it loss mitigation request. They had me send them all types of information for three months or more, telling me I did not send papers which I know I sent. While going through this, they kept increasing my loan amount. They even stated that I did not pay my escrow account, when I actually had. They over charged me and I had to pay more that month ( By the way, they did the same thing the year prior and I had to wait a month to get my money back. ). 
On XX/XX/2016 I had to pay {$1400.00}, then XX/XX/XXXX, XX/XX/XXXX I had to pay {$2500.00} and that continued until XX/XX/XXXX where it increased again. While this was occurring my loss mitigation claim was being ignored. On XX/XX/XXXX XXXX XXXX states she would escalate because all documents asked for had been turned in. Nothing happened. I contacted them again and XXXX XXXX told me the same thing. Still nothing. Then when I called I received a recording once I put in my claim number. No one called me back, after I left a message. 
I then had to refinance with XXXX because I could not afford the $ XXXX+ that my mortgage went up to. When I inquired why it kept increasing, first I was told my residual escrow account was added on. After proving I had paid it in full, I was told it was taxes. 
Recently, they sent a letter stating I was denied because I did not provide the necessary documentation. This was completely not true. I know of one other person that has gone through this, and she is is a completely different state.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: GREAT LAKES
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
i have been applying for income driven repayment for almost five years. the application is either lost or they claim they need additional info from me when i have sent it multiple times throughout differing means ( Postal sevice fax and email ). they are continuing to charge me interest and will not defer the loan when i have financial issues. They al ; lso ask for every piece of information to validate the account when they are not required to. I have spoken with 4 reps today two were supervisors and all refused to help even tho i have provided them with 3 pieces of personal information to authenticate the account. I just want an income driven repayment plan and to have my bill lowered please assist. as i am getting nowehre calling them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: IN
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:
I contacted XXXX, Equifax and XXXX to dispute the validity of an account showing up on my credit reports. I sent multiple letter to all three agencies. I explained in the letter that I have never done no business or received any service from XXXX XXXX  collections company. Any account with XXXX was merged with XXXX, I currently have my plan with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Capital One is reporting incorrect information on my personal credit report despite 2 previous attempts to correct. The two previous investigations have been poor, lazy and misguided. Capital One is more interested in CLOSING disputes within 30 days then correct the issue for the customer. 

Now for the THIRD time, a 30 day delinquency is being reported on my Closed Capital One account for XX/XX/2019. This delinquency is showing due to being an identity theft victim. Capital One is the ONLY company to date, that has handled this case so poorly and not corrected the issue. 

The only way it can be resolved is via a conversation with the writer of this report. Not a cookie cutter response to close the complaint within 30 days. And if the Capital One Reps needs to leave a message, please be courteous and answer the call back and or return the call without closing the complaint before speaking with the customer ( being me ). A crime was committed and Capital One is treating the matter as if they could care less. 

Contact Info : XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: MI
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:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For the past two years I have struggled to make the high payments on my Navient private loans. The amounts they are asking me to pay are unreasonable. They will not work with me at all and I have no other options. My income is not high enough yet to make these payments. I am also in XXXX XXXX and they will not give me any type of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, 60 days XX/XX/XXXX, 30 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thou

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a mortgage refinance with Rocket Mortgage XX/XX/XXXX. XXXX handled the closing and has yet to record the mortgage. The refinance was also removing my ex-husband. I reached out to XXXX client relations and Rocket in XXXX and was told the original recording was rejected for an error. After a lot of back and forth they informed on XX/XX/XXXX that the recording and quit claim had been submitted. A property search and county recording search still do not reflect this. I sent a follow up email XX/XX/XXXX with no response. I advised them that if they did not respond I would report to CFPB. I had been trying to get a home equity loan and could not without these. Now the credit has expired and would need another done. This adversely effects my credit and has put a strain on me and my ex-husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I signed for my daughter to have XXXX  work. Comenity Capital Bank provided a credit card with the amount owed. My daughter defaulted after accumulating {$450.00} in late fees and {$670.00} in " promo charges '' and {$1400.00} in finance charges in XXXX years. 
When I contacted Comenity Capital Bank by phone on XX/XX/2020 an employee named XXXX ( employee id # XXXX ) agreed to accept {$3400.00} to close the account ; however, the company will not give me any proof of acceptance before I pay that amount. 
I have been advised that I shouldn't pay anything until I get some sort of documentation that it will be accepted as final payment, but Comenity refuses and continues to add additional charges. I sent them letters in XXXX and XXXX outlining what is stated above, but to no avail. They say its " Not company policy '' to give me any proof before I pay the agreed amount. 
I'm XXXX years old and did not know until XXXX XXXX months ago that Comenity was charging my daughter 28 % interest plus " promo fees '' plus finance charges plus XXXX late fees in 24 months. I am still willing to withdraw the {$3400.00} from my savings if I can get confirmation that it will be accepted as final payment and close the account. 
Thank you for whatever help that you may give me in this matter. 
Sincerely yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Paramount Recovery Systems, L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to my wife being unemployed from COVID we had to go on forbearance with our mortgage. Having a USDA loan part of my understanding was that at the end I would have the option to extend my mortgage by the missed payments with deferment. 

Now that my wife is employed and we want to bring our mortgage current and continue making payments Wells Fargo is telling me no deferment is not an option. 

From the most recent forbearance approval letter I have a page that specifically says since my account was current as of XX/XX/2020 deferment may be an option that is offered for my loan. 

So far everyone I have talked to has told me that no that is a generic letter stating if your loan was current it may be an option. My letter does not say if my loan was current, my letter states since my loan was current it is an option. 

Wells Fargo is continually trying to push me to a loan modification instead, to change my terms and payment amount. I do not need to change my terms or payment amount.

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