BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
homeowner was delinquent on their loan and were protected by a C XXXX homeowners did not understand the XXXX process, they paid the XXXX plan payment but did not make their regular payments outside the XXXX plan to their lender. during this time the lender did not seek relief and allowed the homeowner to complete the XXXX plan. In XX/XX/XXXX we asked for a modification and SELECT PORTFOLIO SERVICING sent a packet and agreed to look at the client 's financial for a modification review. from XX/XX/XXXX through XX/XX/XXXX we have submitted, resubmitted the same documents over and over and have answered the same questions again and again. the client has enough verifiable income to modify the loan. SPS has been dragging their feet and lying to the client and to the housing counselor on a monthly basis. this is clearly servicer abuse and ignorance on the lender 's part. I know that they are reading from a screen and saying a lot of XXXX because they can not answer any questions about the underwriting process. we have been trying to negotiate with them for 9 months. we were told since XXXX that the modification was in underwriting then they would ask for updated information we would update them with the information and then they would punish the borrower by saying that the process was starting all over again. that 's just wrong. the lender is accepting monthly payments but keeping us in a holding pattern on the delinquency. need some action cfpb!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have requested the removal of a Chapter XXXX Bankruptcy on my credit report. The credit bureau indicates that the information was verified and validated. I asked for proof of the information. Proof was not provided and was only advised that it was provided by XXXX. I disputed the validity of the information after contacting XXXX and was informed that information was NOT provided to credit bureau. I again requested credit bureau to delete information and have not received response and it has been excess of 60

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The only names I have ever used are as followed ; XXXX XXXX and XXXX XXXX. I never spelled my name ; XXXX or XXXX or XXXX, please remove those names from my credit report. I have never lived in Pennyslvania and I need the XXXX PA address remove from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax has verified twice a judgement on my credit that is not mine. Equifax is the only credit reporting agency that claims to find it and verify it. I have challenged the item twice and asked for their source and proof by validation and they will not respond in kind. I called XXXX County Court house and they have no record of this judgement and they confirmed that they do NOT verify or report to ANY credit reporting agencies. This is keeping me from getting my home loan and causing financial distress. This violates my credit reporting rights. Please investigate and force this to be removed immediately! I have faith they will listen to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016 I submitted a certified letter to Equifax disputing XXXX inquires on my credit file that are not mine. " XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX ''. I received a response back from Equifax dated XXXX XXXX, 2016 that basically states the inquires will remain on my credit file. Equifax failed to provide me with any information that an investigation was conducted or evidence was obtained from these companies that I authorized them to pull my credit. I do n't have any business dealing or business relationship with any of the XXXX companies I have listed. Nor have I given them authorization to pull my credit. I am requesting that Equifax remove the incorrect information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX, FL XXXX ( XXXX ) XXXX Use my credit more than XXXX time I would like to remove XXXX them off my credit report if possible Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have contacted XXXX XXXX and Equifax they are reporting invalid bogus debt that I do not owe. They have the account listed on my credit twice for the same amount and it is not being corrected. The amount is XXXX Equifax nor XXXX XXXX has validated this debt. Equifax just keeps sending me letters staying they verified that the account belongs to me. This is how I know they did not really investigate. If they really had investigated they would see that I never owed a balance and that the business has been permanently closed and no longer in business anymore. No one can validate this debt. They are telling me that it is legal to report an item twice that I do not even owe. Please investigate these XXXX companies you can find out for yourself the company has been closed for sometime and not in business and that I never owed them a dime. This is causing me great stress. I understand Equifax gets paid to report negative information but it is not ok when honest people being forced to fight something they do not even owe I am just asking that someone please investigate and fix this situation please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a dispute with Equifax over a charge off account reported incorrectly on credit file with Equifax. I followed a dispute and passed XXXX days of investigation with wrong balance on file. Also, as today ( passing XXXX days ) it shows as pending, therefore, my credit is being affected due to delay in their end ( Equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX my fianc had to be placed on short term XXXX to prepare for his XXXX. The XXXX took 6 weeks to kick in and I was worried since he was over half of the house hold income that we would fall behind on the mortgage with Quicken Loans. I was looking on the website to see if there was a 'skip a pay ' option like with my car loan just so we would n't be late the one month. I came across a " Application for Success '' form and filled it out thinking it would help us with the one month payment we were worried we would n't be able to make. Upon completion of the form I received a phone call explaining to me that the form was for a loan modification. I explained that a loan modification was n't for me, as I was not looking to harm my credit and modify my mortgage agreement. They said I could cancel it as it never happened. I never submitted the signed application as they said I could just cancel. A month later I received a letter from Quicken with an adverse action notice on my credit report. I again called quicken to see what it was about. They said it was part of my loan modification process. I explained again that I did NOT want a loan modification that I did n't understand what I was filling out because no where did it say anything about a loan modification. They said they would fix this and get back to me. They never got back to me. Now there is a {$120.00} fee on my monthly payment for the modification I supposedly applied for that I never wanted. They will not take off the fee. I needed help as we were drowning in bills missing 60 % of our household income, not added bills causing me to be late on the mortgage. I have requested calls from managers to explain why I am being charged for something that I never wanted and have not received a call. I have a few emails from a customer service rep assuring me someone will call but its been almost two weeks and no call. In the meantime my payment went from {$950.00} to {$1000.00}. I feel cheated and scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-20
Company: Caliber Home Loans, Inc.
State: RI
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Caliber Home Loans does not have a Single Point of Contact on any file. Ever. They refer you to a " SPOC Dept ''. You can NEVER get out of their prompt system. They provided a modification agreement without a term and maturity date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I worked with a HUD certified counseling agency ( XXXX of XXXX, CA ) to submit a complete loan modification application with supporting documents to the servicer of my mortgage, Caliber. But they went ahead and did a foreclosure sale anyway without ever giving me an answer about the modification. 

I was told by Caliber representative XXXX XXXX that there was time to stop the foreclosure sale if I got my information to them to apply for a modification. I did get the information in. I spent a lot of money on faxes to the counseling agency ( XXXX ) and on faxes directly to Caliber. 

Caliber confirmed to XXXX that my application was received. I tried to also follow up on the phone but I could n't get any information. I called at least three times just to check on the status of my application, but the person assigned to my case, XXXX XXXX, was never available. Caliber reps I spoke to said they would give a message to her, but I never got a call back. 

Caliber never told me or the XXXX counselor assisting me that anything more was needed. But they foreclosed on XXXX XXXX, 2016. 

Then AFTER the foreclosure I got a letter saying there were missing documents. That letter was dated XXXX XXXX, 2016 but the date from the postage meter stamp says XXXX XXXX and the postmark says XXXX XXXX. 

I am also concerned that Caliber representative XXXX XXXX discouraged me from using the HUD certified counseling agency that I was then working with and encouraged me to just work directly with her instead. Later on a different phone call I mentioned XXXX to a different Caliber representative. That representative responded by saying Caliber does not deal with third parties. 

Finally, I believe FHA mortgages I was supposed to be given a chance to have an in person meeting to work out a modification or payment plan or avoid foreclosure some other way. It was extremely difficult to work with all the different banks and servicers involved, so an in person meeting would have helped a lot. But I did not have that chance. 

After I lost my wife and fell behind on the mortgage, I heard about the Making Home Affordable program and I tried for a modification with XXXX XXXX XXXX. They kept telling me they got all my documents and were waiting for the underwriters to make a decision. Finally they told me that there was still no decision, but it had been so long waiting for the underwriters that my documents were too old. So I had to start all over with filling out an application and sending new documents. I did that at least three times and never got any decision about a modification. 

Then I started getting mail from Caliber, and I thought it was junk mail. I called XXXX XXXX XXXX and I was told they no longer serviced my loan. I had never been notified by XXXX XXXX XXXX or anyone else about a change in the owner or servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CURO Intermediate Holdings
State: NY
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This loan was never mine. I disputed with the credit bureaus and the lender keeps coming back verified. I have went the proper channels and now I am just fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
Upon opening a charge account with XXXX on XX/XX/2017, I was advised that my statement closing date on this account was on the XX/XX/XXXX of every month and the bill due date being on the XX/XX/XXXX of the month. On the XX/XX/XXXX, I had a XXXX balance on this account. I woke up this morning to an alert from XXXX and XXXX stating that an account had been added to my credit report. Upon checking my credit report, XXXX had reported misinformation, stating that my balance is {$120.00} shooting my utilization of my credit cards from XXXX to 28 %. On XX/XX/XXXX, the date in which I was advised by several different customer service representatives that was my statement closng date, I had a XXXX balance on this card. I had not made a purchase with this account until XX/XX/2017. I then called XXXX again and spoke to a representative by the name of XXXX who confirmed that my statement closing date was in fact on the XX/XX/XXXX. She said " We report a couple days later. ", I then asked her what is a couple of days? SHe responded with " Ummm ... on the XX/XX/XXXX. '' I then told her that from the XX/XX/XXXX to the XX/XX/XXXX is NOT a couple of days and that it was in fact exactly 14 days ( 2 weeks time frame ). XXXX incorrectly reported information on my account to the credit bureaus in regard to my balance at the the time of my statement closing ( XX/XX/2017 ) and reported a balance as of the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our loan was with XXXX and was current The servicing was then taken over by XXXX XXXX XXXX. We were immediately notified that there was an escrow shortage and if not paid, would result in additional fees. Then the load was sold to Caliber for {$50000.00} more than what was owed. A load modification has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
a company called Portfolio Recovery Associates , LLC. just recently started calling my home phone and sending me letters saying I owe a debt. They are in a class action lawsuit with me as one of the plaintiffs. They use threatening language and other menacing tones. Even the letters they send say they can not do anything to me but persist on trying to collect money. Just want them to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
This morning I received a collection call from Toyota Financial Services, from whom I lease a vehicle. They claimed I owe over {$970.00}. After over an hour on the phone, it turns out that an online banking payment was not received for XXXX. The total amount due was {$500.00}. But the collection agent acted as if I owed that amount, plus the amount due for XXXX, for which I have not yet received a statement, and which is not due until XXXX XXXX. I have never been dunned for amount for which I have not been billed. This is beyond bad customer service ; I believe that it constitutes harassment, violates the terms of the lease, and may violate federal regulations, to seek to collect amounts prior to their due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have enrolled in a debt relief program and the collection agency will not stop calling after given the number for the relief agency. My phone receives calls from XXXX-XXXX different numbers, over 5 times per day. I have supplied the collectors with the proper phone number to contact the relief agents but I am still receiving calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30
Company: Harley Davidson Financial Services Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
HarleyDavidson collections was Paid for debt owed on XXXX XXXX,2015. STILL shows as being open on XXXX XXXX credit. called this establishment and was told that it takes 30 - 45 days to be removed. It has been 43 days effective today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent a request for debt validation back in 2015. I asked them to only communicate with me by mail. Since then i have not received notice by mail of the information. The only information I have had for them up til now is the address that is on my credit report which must be inaccurate because the letters have come back as returned, or not answered at all. How is legal for them to list a host of inaccuracies on my credit report up to and then not validate/ verify their debt and that they have a legal right to collect it. How do i know that if i were to pay this it wouldnt just get returned as my requests for relief and further information have or that it wont just be sold to another debt collector who will do the same things they have further tarnishing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have no outstanding debts ( I had some many years ago, now all well outside of the statute of limitations in all states I have lived in ). This company called my husband 's cell phone and when he asked who they were they refused to give details. We looked up the number and they are a debt collection agency. 

They refused to give him details and told him " Someone will call you back ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: NOVA Financial & Investment Corporation
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2015, XXXX XXXX requested an Owners and Encumbrance report from our office. We ordered the necessary title search and prepared the O & E and sent it, along with our invoice, to him on XXXX XXXX, 2015. On XXXX XXXX, 2015, I sent an email requesting the status of payment for the invoice. He responded and said that the transaction had closed prior to receiving our report and that he had no way to collect the funds from his client. On XXXX XXXX, 2015 our on staff attorney sent him an email stating that he had ordered the product and was therefore responsible for payment. In the initial request, we were never provided with a due date that he needed this back by. The invoice is for {$220.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-23
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I attempted to add funds to my Blurbird account this weekend. Immediately upon attempting the transaction, it stated that the account I was transferring was not mine and canceled the transaction. The funny thing is that I have owned that account for at least XXXX years, and there is no possible way that it is not owned by me. I then received an email that my Bluebird account was closed. The problem is that I not only have funds in the account, I also transferred last week funds from XXXX XXXX catcher program as well. Right now those funds are being held hostage by American Express since I 'violated ' their terms of agreement, at least according to them. I will take legal action against them if the funds are not returned. The amount of the funds is not important to me, but fairness is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: MD
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:
There have been negative collections and hard inquiries reported on my credit reports due to identity theft I have disputed this collection and inquiries with the credit bureaus yet these collections and inquiries were place on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: TRANSWORLD SYSTEMS INC
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I lost my job as a XXXX at local XXXX because this creditor kept calling and calling. Left voicemails for me on a public non secure line with SENSITIVE information, was ultimately fired bc they did n't stop calling despite my request. 
New employment, they just found me again and contacted me three times this week at this office. I am in jeopardy again of the same situation.

Company response to consumer: Closed with explanation