BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After several failed attempts trying to save our home it was sold on XXXX/XXXX/16 beginning in XXXX 2016. We contacted Caliber Home Loans and explained our situation at which point we begin the process of " loss mitigation with Caliber Home Loans. We were also advised by Caliber Home Loans to contact " Keep your home California '' which we did as well. We were notified at the end of XXXX that " keep your home California '' approved us for financial help and that a packet was being sent to Caliber Home Loans. XXXX XXXX we were notified by " Keep your home California '' that Caliber Home loans ( who referred us ) rejected the assistance that was being offed from " Keep your home California '' on the basis " Your loan servicer ( Caliber Home Loans ) has not approved your loan for participation in the Keep your home California program. 
Caliber Home Loans has not once offered any alternative to foreclosure. We have reached out to Caliber several times and requested assistance however none was ever offered. As a former customer of Calibers I 'm embarrassed and horrified by Caliber 's treatment of a customer who has done everything to try and keep our home. I was laid off XXXX XXXX 2016 and have been looking for work and trying to save our ( My wife and XXXX children ) home. 
I will be sending this along with the offer to assist letter from " Keep your home California '' that was denied by Caliber home loans, to anyone that is willing to listen. Councilman, Congressmen, Representatives, Federal Trade Commission & media outlets. I want my situation to help others unlike Caliber Home Loans. I have also included the approval letter from Keep your home California dated XXXX XXXX 2016, were assistance was denied by Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attempted to negotiate a reduced amount for a full and final settlement of my debt. The collection company, Frost-Arnett Company, told me that I had to front the money that I was offering and they would take that amount to the creditor and see if they would accept it for settlement. I provided my account information and the funds were withdrawn. I was contacted three weeks later and told that the creditor had refused to accept my offer of settlement. I was also told that the money I had offered for settlement would not be returned to me and that I was still responsible to pay the remaining balance. This was not my offer. I wanted to settle for an amount, full and final or I would be willing to make payment arrangements for the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: A.R.M. Solutions, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I prepaid for a newspaper subscription limited to 28 weeks. At end of 28 weeks I did NOT renew the subscription, but the company continued to deliver newpapers and is now trying to collect a bill for the unordered papers. I have contacted them twice to try to resolve this, but they refuse to remove the bill and have now submitted the bill to a collection agency.

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 2017-02-14
Company: BOK FINANCIAL CORP
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Have made mortgage payments on time for years, never late on any payments, and today my mortgage officer at the bank was very unprofessional and insulting and said my credit reports are terrible and I owe {$60000.00} in debt and have XXXX credit cards! We do n't have anywhere near that! I told him we are quitting his bank. Very rude. This is the second time I have had a bad experience with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX - Natural Person Sent Validation of Debt request on XXXX XXXX To Phoenix Financial Service They did not comply 5 days after speaking with me I requested validation and they did not provide They have failed to cease collection of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
LVNV FUNDING EMPLOYEE XXXX XXXX HAS STATED TO ME THAT BY LAW LVNV DOES NOT HAVE TO SUPPLY A STATEMENT ON A DEBT I'AM SUPPOSE TO OWN, NOR DO THEY HAVE TO KEEP IN HOUSE RECORDS. I 'VE ALSO BEEN INFORMED BY LVNV THAT THE ABOVE CASE HAD BEEN DISMISSED, AND THAT THE CASE WAS CLOSED DUE TO HARDSHIP, BUT I 'M STILL BEING HOUNDED BY THEM AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9800.00}, {$2900.00}, {$6000.00}, {$3500.00}, {$4000.00}, {$2600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$6000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have received XXXX credit card refusals over a 3 month period from Chase Bank for an Amazon.com Visa Signature card. I did not make these requests. I do not believe this is a case of attempted identity theft as all the refusals are coming to my home address which has a secure USPS mailbox with a lock requiring a special key. I do not put personal information on my computer and burn all paperwork that may have personal information on it. I suspect this may be a case of robo filing by Amazon or Chase. This has been negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
Earlier this year I attempted to log into my Barclays account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.

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 2016-08-25
Company: Westlake Services, LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My vehicle was repossessed on XXXX/XXXX/2016 for paying a partial payment of {$200.00} on my car note. I intended to pay the remainder of the {$380.00} note which is {$180.00} on XXXX but my vehicle was taken for being 15 days past due. To my knowledge a repossession notice is sent prior to repossessing a vehicle. I inquired on the date the letter was sent and was advised it was sent on XXXX with a cure date of XXXX. I also paid XXXX 's payment late, which was on XXXX the day I received the intent notice. So I am no longer bothered by the vehicle being repossessed for being 2 weeks late. Now I am being called 3 times a day from Westlake Financial to recover the vehicle. They tacked on fees and are willing to put the fees on the end of the loan if I pay the {$180.00} for XXXX and also pay XXXX payment. They are also willing to add XXXX payment to the end of the loan. The representative would not answer as to why was n't I given assistance to avoid the repossession versus being called daily to recover the vehicle. So I looked at blogs dedicated to Westlake Financials practices and this in a way for them to make extra money. They repossess cars for being less than 30 days past due then offer assistance to recover the vehicle. The assistance extends the loan and generates more interest. I have repeatedly asked Westlake to discontinue contact as they have the property but they refuse. They are already charging 27 % interest and late fees I do not understand the purpose of taking a vehicle then charging to get it back, and harassing you if you do n't get it back. I have been repeatedly threatened by representatives of Westlake Financial on the outcome of not recovering the vehicle as to make me recover the vehicle so I can always worry every night that when I wake up will my car be there. Please assist with the constant phone harassment and the outcome of repossessing a vehicle without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: JPMORGAN CHASE & CO.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My name is XXXX XXXX XXXX and my husband ( XXXX XXXX XXXX ) and I had our accounts levied on XX/XX/XXXX and would to verify that the debt is legitimate. The company that issued the Levy is called XXXX XXXX XXXX We have not received any correspondence from this company by mail or phone that we are aware of. I was told when I called that the levy was based on a judgement that was issued XX/XX/XXXX based on aChase bank credit card account issued in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, 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:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
When my loan payment was setup for autopay from my bank account there was a mistake on my part and I listed a checking account that I normally do n't use and my bank rejected the payment because there were no funds in the account that they tried to debit. When I received my loan statement for the following month I noticed the error and past due amount and made a branch payment for the past due amount. The lender had contacted the salesman that I purchased the car from to have him contact me to get a payment status. When the salesman contacted me I asked why they were contacting him and not me directly and I explicitly told the salesman that I did not want him communicating with the lender on my behalf that I would contact them directly. I called the lender the following day and the representative I talked to demanded to know why my payment was XXXX days past due. She threatened me that my loan was under review and they they were going to stop servicing my loan. She also informed me that they had contacted the dealership and all XXXX contacts that they made me list on my loan application regarding the past due balance on my loan. I informed her that the only person that I have authorized to discuss my loan with was myself and that they did not have authorization to contact the dealer or any contact on my loan application regarding my loan. She countered that they do in fact have the legal right to contact anyone they wanted to in regards to status of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: AFNI 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 is not mine

Complaint:
I have a communication from AFNI regarding an attempt to collect {$23.00} of a {$47.00} debt. There is no information on the origin of the debt, how it was incurred or when. I have always paid XXXX in full and returned all of my equipment, however I have had many issues with them trying to bill me for non-existant services or equipment that they could not track. XXXX, I owe nothing to XXXX and they never tried to contact me regarding a debt. My forwarding information has been included at every place I have lived and I am currently a customer of XXXX with no issues and all bills paid. I believe that XXXX is trying to fraudulently pursue a debt that was improperly issued by their billing system or ANFI is just fraudulently trolling for money. It is interesting that XXXX engages a debt collector for a mystery {$47.00} when I am currently paying them ~ {$70.00} per month and have probably paid them over {$1000.00} in the last 2-3 years and they have never, ever contacted me about any debts. When they did contact me about debts in the past I disputed their authenticity as they were trying to get me to pay for equipment that was returned and they failed to track properly or trying to bill me for services I was receiving as part of a block purchase contract by my HOA. I can easily pay this amount, however I do not owe and the low amount strikes me as an attempt by XXXX and their debt collectors to shake me down for free money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Full Circle Financial Services, LLC
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:
XXXX hired Full Circle Financial Services ( XXXX XXXX XXXX ) to collect {$140.00} for an item That I never received. They, FCFS, are reporting a delinquent payment to the credit bureaus on a monthly basis. They have been sending me " past due reminders '' on an old email address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a new phone and also registered my number w/Do Not Call.gov. I get an inordinate amount of calls from the following phone numbers ( all from the same company ) asking for ( probably ) the former owner of my new phone number. I called this company XXXX times and spoke to different employees, explaining above & asking them not to call again. Apparently their employees are XXXX or incapable of removing my number. I even added my last name to my voicemail message, to no avail. ( They keep asking for a XXXX.I am not wasting any more time calling these XXXX. They most often leave hangups. ONLY other calls are automated. 
If you can help me I would appreciate it. thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-11
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Treated in 2014 and paid my deductible. Insurance paid remaining balance, in FULL. Found out that they charged my deductible by {$25.00} too much, which they agreed to refund. 
Never got refund. 
Now CMRE FINANCIAL, whom I have never talked to, has submitted to collections, for more money, AFTER bill was paid in Full, and in fact, which a REFUND was due!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Green Tree Servicing is foreclosing on my home when they DO NOT OWN THE MORTGAGE and legally can not foreclose long with the fact that they do not service the mortgage either. I contacted Green Tree they claim they are not foreclosing yet the law office claims that Green Tree is in fact having them proceed with the foreclosure even though they do not service it or own the mortgage not to mention that the documentation I have requested for the last 6 years regarding the note and payment I have not received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: ECMC GROUP, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Please explain why a representative from ECMC called my parents ' house today, XXXX XXXX, 2016, and what they wanted to speak with them about? As you had stated in your prior correspondence that you did not disclose information about my loan to anyone you called, please confirm what you wanted to speak with my parents about? Please also state what the purpose of calling them is ( outside of the incorrect answer that federal law requires this ), when you have confirmed you are in contact with me and I have specified since last year my desire for communication via my email address, you have my current address which confirms I do not live with them, and they are not cosigners to my loan or would have any knowledge whatsoever in regards to my loan. Please confirm how many times you called my parents?

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 2015-05-07
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX my mortage with XXXX was transferred to Greentree. Starting late in XX/XX/XXXX I was almost forced on a modification by Greentree. I denied the modification and was harassed and called repeatedly by Greentree servicing agents. I almost lost my home due to the XXXX. I was called XXXX times in XXXX day alone the end of XX/XX/XXXX about a past due payment. I would like to be included in the class action settlement so could you please give me some information about how to go about that. To this day I am paying an additional {$3.00} for a " servicing fee '' on my bill which they have not yet explained.

Company response to consumer: Closed with non-monetary relief