BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-23
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX Caliber Home Loans sent a loan modification offer to an unknown address in a different state than I live. Please provide documentation showing who requested the documents to be sent to a different address? The offer was not sent to my address, my representing attorney or to the mediator named in Foreclosure Mediation Notice sent to XXXX / Caliber on XX/XX/XXXX by the State of Washington XXXX. I was n't made aware of the offer until mediation on XX/XX/XXXX after the offer was expired. At mediation Caliber stated they would re-instate the offer once they received a Quit Claim Deed and another completed loss mitigation application. I complied with their requests on XX/XX/XXXX, they were sent several completed applications and the counties recorded Quit Claim Deed on XX/XX/XXXX and multiple times since then per their request. 
They sent me XXXX denials for modification. Why was I eligible for a loan modification in XX/XX/XXXX but am not now? What criteria was used in the determination in XX/XX/XXXX that is different from the criteria used in XXXX & XXXX? Please provide written documentation of the criteria used in the determination in XX/XX/XXXX and again on XX/XX/XXXX. 
At the XXXX mediation XX/XX/XXXX I was told the investor guidelines wo n't allow Caliber to offer a loan modification because I have too much equity in my home and I can afford the payment. Which is true now that my lengthy ( 1 1/2 years ) divorce is over and I have been awarded my home, I can make the payment given the opportunity to do so, but Caliber & their Investor wo n't allow it. 
Why ca n't they put the delinquent amounts on the end of the loan and allow me to pay an additional $ XXXX {$300.00} a month on top of my regular payment to help pay the past due amounts? 
Any question I ask Caliber regarding the modification or denial is always " the investor guidelines do n't allow it ''. What does the investor guidelines allow? It is apparent the investor and/or Caliber has no interest in working with clients, they are not acting in good faith and they do not offer a fair review process as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Reporting to credit XX/XX/2017, Negative impact to my credit by credit collection services. I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts XX/XX/2017, no valid response recieved

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX   CAPITAL ONE    XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX   XX/XX/2017    VIA : Certified Mail #    XXXX    Re :  XXXX  CREDIT REPORT #  XXXX  ( 1 ) U NAUTHORIZED INQUIRIE (  S )  Consider this notice that you  have 30 days to respond point by point and with validation exactly accordi ng to the points in the attached validation letter or this stands as evidence in law that no debt is due to you.     Further, as a Consumer and since  CAPITAL ONE did   not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$1000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$1000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX Checking my report today and I noticed someone used my information to call about some stuff without my consent I never gave nor know about. I focus hard on making sure my credit is good to support my family and as you know under the Fair Credit Reporting Act anything reporting inaccurate on my account should be removed. Please do not add any remarks to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
My Citibank credit card account opened 19 years ago was closed without warning. Being one of my oldest credit card accounts, this decreases my FICO score and damages my credit rating. When I called and asked for the account to be reopened, Citibank wanted to run a new credit report to reopen the account. Running credit inquires will decrease my FICO score and damage my credit rating. When used, my payments for this card have always been on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo refuses to list positive payment history on credit reporting to XXXX, XXXX and XXXX credit bureaus. The loan was modified and payments have been on time for over 2 years. I have attempted multiple times by phone email and in person to fix my credit reporting

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 2017-05-05
Company: Capital Management Services, LP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Was contacted by mail which is violation of the FDCPA ( contact with a consumer ), and alleged Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a consolidated student loan with Navient and have been paying on it for roughly 20 years. The original amount of the loan was {$42000.00}. During the course of repayment of this loan I 've encountered some economic hardships along the way. During those times, the loan was put into deferment. Things are good now, and I 've been making steady payments for the last several years.     To date, I have made payments totaling {$89000.00}.     That 's not a typo. {$89000.00} for a student loan.     It gets worse.     Over the course of the loan during economic hardships and calculating capitalized interest, only {$5800.00} in total has been applied toward the principle. I have the  Navient  generated spreadsheet confirming this.     To pay it all off today would cost an additional {$48000.00}.     My interest payments fluctuate, depending on which day I pay. If I pay on  XX/XX/XXXX , the actual interest I have to pay Navient is more than if I pay on  XX/XX/XXXX  , m eaning less goes toward the principle. Is that legal?     During the aftermath of Hurricane  XXXX  I received unsolicited calls from Navient asking me if I wanted to reduce my monthly payment. I said I sure would, and now I 'm paying {$650.00} per month, and, depending on the day the payment is made ,  $  XXXX  -  {$450.00} goes towards interest. I was never properly advised by the lender that my payments would increase eventually. Navient practices are deceptive and predatory.     I am unsure how to proceed, but anything you can do to bring attention to this matter would be greatly appreciated.      Kindest Regar ds,   XXXX   XXXX    University Class  of  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This account is supposed to be {$0.00} balance, not {$180.00}. I attached Letterhead in the last complaint number XXXX when you stated you would update account to XXXX balance but you never did it. Now it is XX/XX/XXXX and you still have a balance that i know Child Support did not send to you. Child Support updated account every XXXX of the month. If the is nothing to report like XXXX balance nothing gets sent out. Please remove this account from my credit report, on XX/XX/XXXX, if there is something to report child support will send it to you.

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 2018-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a mailer from Bank of America with a promotion for a checking account with a {$300.00} signup bonus. The bonus would be awarded if certain requirements were met. I signed up for the account in XX/XX/XXXX and had completed all of the requirements by XX/XX/XXXX. I called Bank of America shortly after completing the requirements to confirm that the requirements had been met. The representative told me that I had met all the requirements and that I did not need to do anything else but wait for the bonus to post. The amount of time listed in the mailer seemed to indicate it would only take 90 days for the bonus to post but the representative told me it would take 90 days plus an additional 60 days. I waited until XX/XX/XXXX and then contacted the bank again. At that point they told me the promotion was denied as I had not met all the requirements. At that time, too much time had past for me to meet any additional requirements for the bonus and so I was locked out of being able to do anything further. Had the first representative told me I had not yet met the requirements, I could have performed tasks to meet them. I was given false information that prohibited me from obtaining the bonus. On XX/XX/XXXX, I contacted the bank and asked them to review the account, but they said there is no one I can speak to directly about this issue and I simply must wait another 30 days while the issue is being reviewed, all while I keep {$1500.00} minimum in the account to avoid any minimum balance fees on the checking account. I contacted the bank again on XX/XX/XXXX but they would not let me speak to someone on the promotions team directly and said the account is still being reviewed.They told me to keep waiting, but also told me that if my review was denied I would not be notified. The only way to determine if any decision was reached would be to call a phone representative who could check on the status. I believe that the bank is dragging the issue out on purpose in order to force me to keep my money in the checking account.

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 2017-05-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
1. General Revenue Service has charged me outrages fees that were added to the loan each time I was late. In all, GRC has added more than {$4500.00} in fees to my loan. I believe GRC conducts predatory lending practices in order to add to the load to make it easier to transfer to different lender 2. Between XXXX and XXXX, I was employed at a XXXX XXXX in the XXXX XXXX in XXXX XXXX. Arizona, Working in this area qualified me for a loan forgiveness program, Under this program, I XXXX full-time for XXXX complete and consecutive academic years and was an XXXX XXXX XXXX in a XXXX XXXX that served low-income families. my former district filed the paper work on my behalf, but the student loan services agency did not process it. I am reaching out to you because I have made many attempts, both via the phone and in writing, to communicate and try to settle this matter, with Navient and GRC but was not successful

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 2015-05-05
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I called the lender and told them to take the money out three days later although they said they would do it they did not. This caused suck a huge strain on my bank account that I had to close it down. Now they say I owe XXXX and I will lose my job.

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 2015-05-03
Company: MARINER FINANCE, LLC
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received an unsolicited check in the mail from Mariner Finance LLC in the amount of {$1200.00}. The check stated by signing and cashing I would enter into installment loan with them. At the time I was consolidating debt and needed the money and the low monthly payment of XXXX enticed me. I deposited the check and made XXXX payments before deciding to pay in full. I sent several emails through their online portal asking for final balance and never heard back. They called me XXXX time before I paid off the loan, telling me I can have an additional funding, I advised not interested but after this call from my local XXXX XXXX branch, my preference is to receive communication in writing for financial matters pertaining to this loan so I will not call them or discuss over the phone. This is based on the strong urging from the caller to visit them to receive " more money. '' After this call I had a bad feeling about this loan. They have tried calling my desk phone at work but I will not answer since personal calls are not allowed and because I prefer in writing. My total payments were {$76.00} more than I borrowed and the final payment I sent was what appeared on my credit report as total now due ( this entry somehow has now disappeared from my credit report ). After it vanished from my report I figured it was paid in full only to receive another call to my work number this past Friday XX/XX/XXXX. I checked XXXX 's web portal this morning and it shows an open loan with a " maturity '' date of XX/XX/XXXX and my next payment due as {$60.00} with a future date of XX/XX/XXXX. I have not received any billing statements nor have I signed any documents other than the unsolicited check they sent me. I suspect they are withholding the total due and future dating a payment for some interest charges to accrue interest. My loan was open less than XXXX months and by my calculations ( based on future date and total payments ) my total interest paid for a 60 day loan of {$1200.00} would be {$460.00}. I have never received any acknowledgement for the XXXX emails I sent, I do not wish to speak to this company other than in writing and they have never sent me a single statement in the mail. An online search of complaints shows similar experiences with other clients. Attached is supporting documentation showing the payments made from my XXXX XXXX checking account and the deposit of the {$1200.00} check back in XXXX into my XXXX XXXX account. I do not have any other documents since none were ever provided by this business. 
I strongly believe they are comitting predatory lending and fraud based on my above experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: ALLY FINANCIAL INC.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Auto loan pay off reported on XXXX not on XXXX, called the creditor to ask reporting be updated on XXXX and was hung up on by associate at Ally Auto.

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 2016-06-03
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
First adn foremost my account is with Caliber HOme Loans which apparently took over for XXXX. I have been trying for months to get ahold of them, and for some reason they claimed that i put a CEASE and decist order on the account whICH did n't come from me - so for months no communication and DELAY in getting the process started. Secondly, they have misapplied payments as some payments were made from my account, and my husbands account, They refuse to credit the account.. NOW here we are XXXX, my house is set for foreclosure XXXX XXXX, i have fa'xd, emailed, sent everything MULTIPLE times, each time i am missing yet something else, they add something to the list, every rep i talk to tells me something different, XXXX tells me they need XXXX more piece, another XXXX tells me they are missing multiple pieces, even the mail tells me a different story each and every time i get correspondence - MEANWHILE - my husband and I are both working after being unemployed, we are getting back on our feet, and trying to get the bank to help. We even tried a couple of times to make payment. I tried over the phone, and online and they wont accept any $ $ to keep us from getting more behind. It is our assertion, that they are ON purpose making this hard. i cant understand why the process has not started I can not lose my home, i am supposed to be protected under the bankruptcy that we filed a few years ago, i take care of my XXXX parents and my XXXX niece ... i feel that this has been the most stressful process EVER - and im frustrated and scared

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: HYUNDAI CAPITAL AMERICA
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My sister provided Hyundai Motor Finance my phone # while hers was not working. I received a call from their XXXX number and when advised my sister was not available and asked who was calling. Female declined to identify herself or her company. I advised that the cell phone being called belongs to me and they no longer have my permission to dial my number manually or via their automated dialer. Female then hung up on me. My sister took care of the past due payment ( was just an oversight ) and we assumed everything was good. payment rec by HMF on XXXX/XXXX/15. On XXXX/XXXX/15 I recevied another call from HMF. I had my sister call back and they advised her account current and no record of call. Advised could furnish proof of call and requested again that they no longer call me.Rep said nothing he can do. Sister requested supervisor who told her the only way they would guarantee no calls to my phone is if she revokes her permission for ANY phone contact. My sister said she still wants to be contacted, just not at my phone number. Supervisor said nothing he can do. Also said that there were no automated calls out and that the only way she would have been dialed after she revoked permission, would be a manual dial. I called back in and advised that it is my cell and I revoke authorization, that they absolutely were not to manually/auto call my number any further. Ultimately they were calling out to an unauthorized party about a current account ... manually. Intentional harrassment. I received another call today from the XXXX number and a 28 second long dead air voicemail. Sister called back in and of course they had no record of call and were unhelpful again. I called back in, they said i had to get in touch with consumer affair department and because I 'm not a customer, just an innocent third party that they are harrassing that I would have to communicate with them via mail. Finally agreed to send me over via phone so solution could be expedited, but they kept just transferring me back to customer service. Eventually male rep told me that there was nothing I could do about the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient has been extreme ly difficult to work with. My husband is a   XXXX   XXXX    and  the program takes  five y ears. During this time money is VERY limited. He has been  XXXX  on my family and I to try and make these payments. We are trying ! Navient  has NOT been willing to help us I any way. In the meantime they are hitting my credit every time I turn around. It 's not fair and needs to be fixed! I have explained to them that I will be done with   XXXX    XXXX   XXXX   in  XXXX     2017 an d at that time can begin regular payments. I feel like I have been charged additional interest and fees that need to be fixed. We are supposed to be on a rate reduction plan but every time we turn around they are telling us that we are no longer on the plan and calling us every single d ay three tim es a day and charging us more in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all. XXXX XXXX-XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX- XXXX XXXX, XXXX and 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation