BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX the XXXX I call Caliber Home Loans in order to find out what type of programs they had available for the people effected by covid-19. After a two hour hold time, I was told by XXXX ID:XXXX that they have a forbearance plan. 
I specifically asked if I can continue to make payments with my debit card through the online portal. She told me yes. 
XX/XX/XXXX I attempted to pay my mortgage through the online portal but was unable to. Today, XX/XX/XXXX, I called them again and after a 45 minute hold time, I was told that due to the forbearance I can only pay via phone with checking account and route number! This was NOT explain to me, in fact, the opposite. XXXX ID:XXXX was extremely rude, aggressive and refused to accept responsibility on behalf of caliber home loans. 
I NEVER agreed to make payments over the home, I ASKED if I could continue making payments as I always have and was told YES. 
They need to be held accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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:
XXXX is continuously reporting a derogatory remark on my credit, in reference to a account that is not mines I never opened a loan in XX/XX/2017, the account is reporting twice on my credit report.it states that the account is closed but still reporting late payments on my credit report which is erroneous information, if it's closed how can they still report late payments on account that's not even mine.

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 2015-11-14
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Discover promised a 10 % cashback on up to {$10000.00} worth of in store XXXX purchases. 
I made those purchases, but I am receiving a email accusing me of spending on non qualified gift cards. ( As a side note, they added that clause after the promo was out ... ) 1 Its my privacy, they have no business what I purchase2 Just because I bought expensive XXXX products, does n't mean it 's a gift card. 
I have a friend who bought a XXXX at XXXX, its a high dollar amount, so they accused him of a gift card purchase. 
Not right. Intrusion of privacy. And just bad for a credit card company who we trust with so much information, to demand even more information, and to lie about their public promos. 

I want my 10 % cashback, and I want it doubled at years end just like their promo says!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Inquiries on my Equifax credit report were removed and re-added without any type of notification. I do not understand why this happened because this is a FCRA violation. I tried calling in, but did not get anywhere because the call volume was too high and I had to go back to work. I would really appreciate someone reaching out to me or just resolving this matter behind the scenes by removing these inquiries off of my credit report. I would really appreciate it. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC violations sent police reports with other disputes

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 2021-11-12
Company: AMALGAMATED TOKEN SERVICES, INC.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinlist would not let me access my account or funds. They sent me an email saying I violated ToS, and cut off all access to my wallet. I filed a complaint with you, and then I received an email saying that was an error on their part, and I gained access to my wallet. I have tried numerous times to move my cash off their exchange. I can not. I have to use XXXX to link my bank account. I have used XXXX many times for other exchanges with zero issue. I successfully linked my bank account to Coinlist using XXXX, but on Coinlist side any transactions I attempt shows my bank account has not been linked. 
The issue is on Coinlist side. I successfully accessed my account with XXXX, but when it took me back to Coinlist website I just got a spinning circle icon- repeatedly. 
Coinlist responded immediately about me losing access to my account, but will not respond to my follow up emails about not being able to transfer my cash off their exchange. This is typical in the crypto world for exchanges to continually be involved in shady practices. I ask that the US government protect consumers, and apply sharp penalties and fines for companies that use these type of tactics to rip off customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive written letters to Experian twice pertaining to removing old addresses from my account because I could be susceptible to identity fraud. All they do is update the same information. I dont live at the addresses and Im not reachable there as well. I need this resolved 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 non-monetary relief
Consumer complaint received 2020-04-08
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX was my mortgage holder. LoanCare Inc. was/is my mortgage service company. LoanCare Inc. purchased my loan from XXXX XXXX XXXX. 

When the purchase was made LoanCare Inc. failed to make the autodraft withdrawal on XX/XX/XXXX as it had done for the last 9 months. I tried to call its customer care line to discuss the issue. I wanted to ensure that a payment was made before XX/XX/XXXX so that no late fee would be given. I was concerned for this issue because countless XXXX/XXXX  complaints stated this was LoanCare 's  modus operandi. 

When I called LoanCare 's telephone number I learned that I had no means to speak to an actual operator. Telephone service would just loop you back around to a worthless computer system. I spent 10 minutes to try to reach a real person but to no avail. 

On XX/XX/XXXX I self-remedied the situation by send a one-time mortgage payment through its computer system. I then canceled my auto draft option to ensure that another auto draft payment would not occur. It did this ensure that a double payment would not be made. I took a screen shot of my cancellation to document it so that LoanCare could not deny that it was done. 

On XX/XX/XXXX LoanCare ignored my canceled auto draft order and withdrew a second mortgage payment. I spoke to my bank when this occurred. I gave them the proof to my canceled LoanCare autodraft order. I told XXXX XXXX to reverse this second autodraft. I then emailed LoanCare to tell them what I did. I directed them to contact XXXX XXXX to facilitate the correction of its mistake. 

On XX/XX/XXXX the second mortgage payment was reversed. Yet, LoanCare charged me a {$25.00} fee/fine saying that my second withdrawal " bounced. '' This fact is not true. 

On XX/XX/XXXX I emailed LoanCare to give notice to its mistake and to withdraw its levied fine. 

On XX/XX/XXXX XXXX automatically withdrew my mortgage payment even though I had canceled my autodraft payment. This last event is more petty than its earlier behavior because I had intended to make my payment anyway. Yet, it is still an unauthorized withdrawal and it shows LoanCare 's brazen pattern of malfeasance toward its customers. 

In sum, I deem LoanCare 's continuous flouting of federal and state laws to be analogous to a criminal cartel that believes that its activities are beyond the law 's reach. In today 's dark times ( Covid-19 ) LoanCare consistently demonstrates that it doesn't care about American citizens. LoanCare 's only goal is to take money from us by legal and illegal means.

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 2017-01-09
Company: Special Financing Company, LLC
State: CA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Financial aid Services was the company that processed my student loans. They told me to give them all my information and they would send my loans to be consolidated and then would process forgiving a large portion because I was unemployed at the time. They did n't do any of that. Everything was done through the phone and they tooknow my social security, my drivers licence, date of birth and my bank account number and wanted my immediate signature to process some information. I was directed to a website so I do n't even have anot email. All that I do have is that if the processing did n't go through and I did n't receive XXXX welcome packet in the mail, to contact XXXX at XXXX. I later started receiving automatic deductions from my bank account that I thought were paying off my student loans. The payments were to " Special Financing Company LLC ''. I only found out it was fraud months later because myou Fed loans bill came and my balance is much higher than it was supposed to be. I was unemployed and totally depressed. How do they do this to so many people and sleep at night?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 TransUnion Consumer Solutions via certified mail disputing Unauthorized Credit Inquiries on my credit file XX/XX/2020. The letter asked for them to remove the unauthorized inquiries from my credit report. I received a letter from them dated XX/XX/2020 that was an explanation of the Inquiries on my report, giving me information on how long they may stay on the report and letting me know if I believe an inquiry was made unlawfully to reach out to the creditor directly. I didn't ask for an explanation I asked for the unauthorized inquiries to be deleted. After receiving the letter I sent them another letter XX/XX/2020 asking for the unauthorized inquiries to be deleted from my credit file. I never got a response from the company after my second request was sent and also sent certified mail.

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 2022-09-08
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for the HAF Home Owners Assistance program 18 months forward payments. My mortgage company claims they have not received any information or payments from HAF, but according to the Department of Economic Opportunity for the State of Florida, they SENT the payment on XX/XX/XXXX. My mortgage company, for the second straight month, is not applying state funds that were sent to them with the directions of being applied towards my monthly mortgage payment

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 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
TransUnion has been negligent by willfully violating the Fair Credit Reporting Act ( FCRA ) by not conducting the re-investigation of my disputed information before the end of the 30-day period from the date they received my dispute on XX/XX/2016 and failed to properly verify the disputed information with the XXXX Recorder of Deeds. Please note that under the FCRA sectiXXXX XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) TransUnion had a 30-day period from the date they received my dispute to verify and properly re-investigate the disputed information in question. 
This dispute pertains to my letter dated XX/XX/2016 in which I requested TransUnion to validate the state tax lien in the amount of {$2500.00} being reported on my credit report. TransUnion received my letter via certified mail on XX/XX/2016 and failed to respond to my request. I submitted a second letter via certified mail dated XX/XX/2016 informing TransUnion of their failure to respond to my letter on XX/XX/2016 about the inaccuracy they were reporting on my credit report regarding the state tax lien. I made them aware that federal law required them to respond within 30 days of receipt of my dispute. Not only did they violate the federal law under the Fair Credit Reporting Act, but also failed to respond to my dispute or provide me with any viable evidence, bearing my signature, showing the account is being reported accurately. This letter was received on their end on XX/XX/2016. 
On XX/XX/2016 I contacted the XXXX Recorded of Deeds office at the phone number listed on my TransUnion credit report to validate the information myself. Not only did they inform me that I do not have a state tax lien, but also that the XXXX County Recorder of Deeds does not report liens to the credit bureaus nor verify the information reported is accurate. 
Once again, I wrote to TransUnion via certified mail on XX/XX/2016 making them aware of the information the XXXX Recorder of Deeds had provided me with. I requested that they remove such entry from my credit file as it was being reported in error on their end and they were in violation of the FCRA, as they have not responded to my dispute as required within the 30-day period of receipt of my original dispute. 
On XX/XX/2016, I received a letter from TransUnion stating they had verified the information I was disputing since the beginning of XX/XX/2016. They did not provide any information regarding how, when, where, or with whom they had validated the disputed information which had been requested from them on multiple occasions. 
You will be able to verify with the attached documentation that TransUnion has not only willfully violated the FCRA but has been negligent in validating the disputed information.

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 2021-09-25
Company: AmeriHome Mortgage Company, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2021 I received notice that my mortgage is increasing from {$1100.00} per month to {$1700.00} per month. They said because taxes have gone up. Property taxes on my house is {$4300.00} per year. They told me that they have increased to {$7800.00} per year. I contacted the town of XXXX, RI and asked them if this is true. They told me NO it is not. Then Amerihome Mortgage Company said it is a UTILITY tax placed on by my town. Again I went back to the town hall and they said there is no such thing in this town or in the Stated of Rhode Island. I again went back to Amerihome and I sent them a copy of my Property Taxes and they said they would so some research on it. When I called they would not give me a copy of this Suppose Property Utility Tax. Nor would they tell me where it came from. I contacted several other mortgage companies here in Rhode Island and they said they never heard of it before. Amerihome refuses to give any evidence showing this so call Utility Tax. Can anyone help them from trying to steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of XXXX, I entered into an agreement with XXXX XXXX XXXX for cell phone service. Subsequently, I was billed twice for that period, once under the old agreement and once under the new one. The company also never honored the new contract and kept charging me per the old contract which was a lot more money per month XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. Additionally, we traded in two older XXXX  and purchased two more that were offered as part of the new contract at a {$500.00} savings per phone. Those discounts were never applied as well. I spent many hours on the phone on multiple occasions trying to get this issue resolved, but after four months of not making progress and getting over charged, I was forced to switch cell phone providers. XXXX XXXX XXXX created this entire issue, they acted outside of the contract that they entered into with me, and chose to not fix the issue, though offered multiple chances. I do not owe them this money, and in fact they overcharged me and owe me compensation, for the hours that I spent on the phone with them. Although I have provided Experian documented proof that this is not a debt that I owe, they are refusing to erase the negative credit report from XXXX XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called my mortgage servicer on XX/XX/2020. The only options for repayment on my forebearance are a lump sum or 40 year loan modification. Ive read several news stories on how they should allow me to defer my payments to the end of the loan. However they are denying me that option. My loan is backed by the federal govt and should have that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TD BANK US HOLDING COMPANY
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX   XXXX   the payment I owed to Target of  XXXX  which was received 6 days late due to a problem that I was not aware of. I was out of Alaska, in  XXXX  and I did not receive any statement from Target with late dues.   When I came back which was in   XXXX   XXXX   I tried to explain to Target that I was out of the country, and was sure that the amount was paid.   They said that the 30 days in which I should have resolved the issue I did n't call ...  ..but how could I be aware that the payment to Target of   XXXX   came 6 days was late?    I tried to resolve the issue with them, but there was absolutely no opening.   Nor there is any opening from their side right now.   They have sent this to   XXXX   which is creating a problem for me.   I would very kindly suggest that you mediate in this affair.   I do not owe anything to Target, there are only charging interests.   Even though I tried to pay the interests for  one  month, for the delay ; they are not considering that either.   Thanks  XXXX   XXXX  Target Account Number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used XXXX to pay for an online service. Unbeknownst to me, there is no buyer protection, although its backed by my bank. The vendor turned out to be a scam. I called my bank and was told there was nothing they could do because I authorized the payment. This was the first time I ever used XXXX for an online purchase. Later, I found multiple complaints on XXXX  with similar experiences to mine. Wells Fargo should be more upfront about the risks of XXXX and make their customers aware. I lost {$500.00} and was left heartbroken.

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 2016-09-22
Company: WLCC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
As below : they acknowledged my request to not call my place of business and then called this morning and violated that.I have a voicemail to prove that. 

********************************************************************* You have now violated my request and called my place of business again. I know that you can be fined for this. If I have to get a lawyer I will. I am not allowed personal calls at work. Cease and desist. 


From : XXXX Collections & lt ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Wednesday, XXXX XXXX, 2016 XXXX XXXX Subject : RE : ArrowheadAdvance Message ( response ) XXXX XXXX XXXX As you can see we received your email, and will stop the calls to your employer, but what I needed to know is what are you disputing we have a signed contract on file. If this is just something financial then please let us help you. By telling us not to contact you and that you are disputing the loan only makes it more difficult for me to help. If you can please give us a call at XXXX. 

Best regards XXXX XXXX collection Manager XXXX ext XXXX

Company response to consumer: Closed with monetary relief