BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-20
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan Modification from Caliber Home Loans since XX/XX/XXXX. I have repeatedly filled out applications per there request. They just sent a denial letter stating I was ineligible for any short term loans or interest only loans. I was supposed to be being evaluated for a repayment plan. Now I have to start all over with an appeal process and they still wo n't accept my payments!! 
There are discrepancies on the statement they have n't addressed. It says I accepted a loan modification in XX/XX/XXXX - I have never signed nor seen a modification document from them. They have payment reversals listed which I have no idea what those are for and they sent {$600.00} to my ex wife who is n't supposed to be on the loan anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I noted {$6000.00} stolen from my Chase bank account on XX/XX/XXXX. $ XXXX from checking $ XXXX from savings. All withdrawals were made by cashier 's check XXXX XXXX separate checks of {$2000.00}. Bank told me to go to the local branch, and I met with the manager. While I was meeting with her, checks were cashed out in real time. Since the bank would get that info the next day, I returned to the bank the next day, XX/XX/XXXX. I was advised it would be an easy fix. Today, however, I was notified by the bank that money was withdrawn using my ID in Arizona ( XXXX XXXX XXXX XXXX, AZ XXXX ). Two representatives, XXXX and XXXX XXXX ( phone # XXXX ), both confirmed that the person presented my driver 's license, which is my possession. But when this happened, I was in XXXX with the banker, and the person withdrew this in the Arizona Chase branch. We reported this to XXXX Police Dept. Financial crimes unit, phone number XXXX. I am concerned about ID theft and will monitor it. Chase, after a long and tiring phone conversation, told us to submit a police report so they could open an official investigation. We are in the process of doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home loans is continuing with the foreclosure hearing XXXX XXXX, 2015. The last complaint I filed with CFPB was to stop foreclosure and pay me the Respa money at closing when my house sells. Caliber is avoiding the response to you. This is not a duplicate. Thank you so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I recently refinanced my home mortgage. The payoff exceeded the balance of the note by {$2000.00}. The loan paid off was serviced by Round Point Mortgage Servicing Corporation. The loan was paid in full on XXXX/XXXX/2015. As of today I have not received the balance of the overpayment nor have i received a date as to when I will receive my funds. I have spoken to RPM 's customer service and have yet to be the beneficiary of any of their promises.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX marked my loan as greater than 30 days past due, reported my account as delinquent to credit bureaus, sent my account to Collections, and assessed late fees. At the time this occurred, my account was less than 30 days past due. Per their own policy, I should not have been reported. I ultimately made the payment within 30 days. When I pointed this out to them, they acknowledged it was incorrect, but refused to take any corrective action. This also affected my Cosigner. My cosigner asked them to verify that there was no affect on credit score in person and XXXX  said there was not. They lied to my cosigner in person, and they lied to me in writing, and then refused to correct or even to inform me on how I could correct. I would be happy to provide writing, phone recording, and affidavit from cosigner.

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 2022-11-11
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
The issue is to report a telegraphic transfer. And the bank making issue is the bank of new york mellon. I am a student from XXXX. I sent my fees to XXXX university from XXXX on XXXX XXXX through XXXX XXXX. The sender bank was bank XXXX XXXX. There was a compliance on my transfer which took XXXX weeks to clear than the sender bank said the money has been transferred but it didn't reached the XXXX XXXX and i confirmed it. The bank ran the tracer, XXXX XXXX replied that they sent the transfer to bank of new york and now the information to bank of new york mellon XXXX XXXX XXXX but they are not replying. And its been XXXX months they are not replying on tracer or transferring the transaction to XXXX XXXX ( convera ). I sent the complaint to XXXX  but no reply I am in really need. I have all the documents plz contact as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have a a unverified account from XXXX # XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported 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 2016-04-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I initiated a dispute with Equifax on XXXX XXXX since then I have initiated a reinvestigation because the outcome of the first investigation stated that they found that the accounts they belong to me so again I disputed as fraud and they 're still saying that they verify the accounts. What account is with XXXX XXXX XXXX yeah the account is with XXXX neither XXXX of these accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX Tax Department that I was delinquent on my property tax and my home would go to tax sale on XX/XX/XXXX if not paid. I immediately notified the mortgage company, both through emails and phone calls, with limited response. It took until XX/XX/XXXX ( XXXX and XXXX were weekend days, so this was the last possible day ) for them to pay the tax bill, and that was only due to my repeated contact attempts. 

It told to me in writing multiple times that I would not be responsible for the {$490.00} late penalty paid to XXXX XXXX for the late tax payment, as I myself never had a late payment to the mortgage company. However, they passed my mortgage on to XXXX right around this time, and requested the full reimbursement for the tax payment from XXXX - including the late penalty - which was paid from my escrow. 

The reason I am realizing this now is because as the result of an escrow analysis, I now have a mortgage that is {$1000.00} more a month than it was previously for the next year. This is not because of an increase in home insurance or property tax, this is because of a wrong miscalculation by the mortgage company. 

Details : Loan number XXXX, at Dovenmuehle Mortgage ( this mortgage was passed on to XXXX in XX/XX/2021 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: American First Finance, 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: Account status incorrect

Complaint:
This account was paid off early and in full on XXXX XX/XX/21. And is reporting to XXXX as Derogatory and collection/charged off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On 06/21//2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: CITIBANK, N.A.
State: MN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a Citibank card with an affiliation to Best Buy on or around the XXXX of XXXX, XXXX. I received this card in the mail after being in Colorado on vacation for the prior 10 days. Upon activating the card and signing up for online access, there was a charge issued on XX/XX/XXXX in the amount of {$700.00} that took place at the XXXX XXXX MN location. ( this was apparently a television, and a {$10.00} Donation ) I contacted the bank to tell them it was not my transaction, and needed to dispute this charge. they assured me, since the transaction took place before I had the card they would remove it. they then shut down the card, and issued a new card. I offered to provide any statement, affidavits or police paperwork they would need to look into this. They assured me on multiple occasions, that the investigators would reach out if they needed anything from me. The only correspondence i received was a letter dated XX/XX/XXXX that stated " I received benefits from the disputed charges made on this account '' I contacted the bank again, to ask what benefit, this is when they told me about the TV and donation. I again told them it wasn't me, and again offered to provide written statement and get a police report, they said they would re open the investigation, and contact me if needed. Today XX/XX/XXXX i called to get an update, and was told the investigation was complete and I am liable for the charges. 
as of today, I am filing this complaint with the CFPB, the XXXX XXXX Police Department ( case # XXXX ) and will also be contacting Best Buy. 
It is my belief that Citibank has drawn out the investigative process in such a manner, and by advising someone not to file report unless asked, they are hoping to run out the clock on and video footage of the purchase. They have also impacted my credit score in a negative fashion by reporting the account as over limit, even though I have never been late on a payment on the undisputed portion of the balance, and have made a payment XXXX recently as XX/XX/XXXX, while this " investigation '' was taking place.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The have sent multiple letters to the credit reporting bureaus ( XXXX, XXXX and Experian ) about the errors and inaccurate reporting of the account such as date of last payment, date of when the account was established, as well as other information not reporting accurately across the three credit bureaus. I have reached to the creditor and collections agencies where they have failed to provide a proper validation of debt and error are still reporting after pointing it out to the three Credit bureaus.

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 2022-11-11
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred XXXX from my Venmo to my checking with XXXX XXXX ending in XXXX on XX/XX/22. Venmo promised bank transfer by XX/XX/22. As of today, 8 days later I have not received my money. I called, chatted, emailed Venmo over XXXX times in last 8 days. Every rep gives the same response, bank transfer pending under review. Every rep told me the issue is escalated and account specialist will respond in XXXX hours. 8 days later no one called. I just called again today, same response wait XXXX more hours. No one tell the reason. Venmo took my money from same checking with XXXX  but now not giving my money back. Please help! Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: Empowerment Ventures, LLC
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Rush Card deducted {$500.00} from account for bill pay, but has never delivered. I am allegedly one of many people having this issue. They stated last week that they would be returning funds within 2-3 days, but nothing thus far. View of current statement shows a decrease of {$500.00} in the balance with no explanation. Calls and emails not being answered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: MI
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I am a Rushcard user who can not access my account. I previously had XXXX dollars in my account before my direct deposit got transferred into my account and my balance remains at XXXX. When I call the number I get put on hold for more than an hour each time then someone gets on the line and tells me they can not tell me anything about my Account. At this moment my car is at risk of being repossessed because o was not able to pay my monthly car note.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Convergent Resources, Inc.
State: OR
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:
To whom it XXXX concern, My name is XXXX. Back in XXXX I called XXXX to settle down my account with them. They told me they sold my account to Convergent and I should give them a call. I called and spoke with a guy named XXXX and if I pay within 3 days he will do a pay to delete. He sent me a letter to my email about settling down my account for {$3000.00} and to send the checks overnight so they get in time. I sent them all over night with the following writing on all three of them Endorsement of this check constitutes payment in full. You agree to delete within 30 days from my credit report. 
They violated my rights by cashing the checks and not deleting the account and by promising they will update and they never did. 
I called them a week after they cashed them and they told me everything looks good and they will delete and update credit bureaus. They didnt!!! I called them a month later and they told me it takes 60 days to update. Now its been almost 6 months and I sent them letters and they ignore my request. Thats a breach of contract rights. They breached the agreement by still reporting to all credit bureaus that I owe them $ XXXX while we agreed on {$3.00}. How could I owe $ XXXX on an account we agreed to settle for {$3.00}?!?! Not only that but they are reporting incorrect info such as date of last activity, balance owed, last payment, etc! Each credit bureaus has different information and there are inaccuracies among all three bureaus. This means the account has not been properly verified!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2016-06-01
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I submitted my request for the REPAYE program on XX/XX/2016. As of XX/XX/2016, my loan servicer FedLoan Servicing still has not put me on the REPAYE program. On XX/XX/2016, I filed CFPB complaint number XXXX. On XX/XX/2016, FedLoan responded to CFPB and said that it would put me in {$5.00} reduced payment forebearance and then place me in the REPAYE program after it received my payment. I made the {$5.00} payment on XX/XX/2016. FedLoan then sent me a bill dated XX/XX/2016 for {$920.00}. For comparison, my previous payment under IBR was {$26.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past month, I have received over 11 phone calls from over 11 different numbers. I've listed the dates, times and various numbers used as of the past 30 days. 

XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/22 XXXXXXXX XXXX XXXXXXXX. 

They are trying to contact my husband in reference to alleged debts and have already been told by him to stop all contact via phone. He told them this through a service representative named XXXX on XX/XX/22 at XXXX XXXX  via a call back to their phone ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was sent a tax bill and I ask RoundPoint mortgage to redo my escrow analysis XX/XX/2016 due to a decrease in taxes from a Homestead Exemption. They kept calling me and telling my mortgage payment was late for 4 months. They sent me a escrow analysis that was redone with a new payment amount due XX/XX/XXXX, that was still incorrect. I paid the money because I did not want them to negatively impact my credit score. I now get my new tax bill and its is less than half of what they are trying to make me pay for escrow. They kept telling me that they could not get in touch with the XXXX County Tax department in Texas. I also ask to speak to a supervisor 8 times between XX/XX/XXXX and XX/XX/XXXX and a supervisor was never available or ever called me back. I paid them over {$9000.00}, when my tax bill was only {$4600.00}. They have double charged me on my taxes and I want my money back immediately.

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