BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-09
Company: Caliber Home Loans, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was with XXXX XXXX XXXX, I had a direct phone number to my single point of contact in the CEO 's office, she promised to call me within 1 day or I could call her manager 's direct line for help, My single point of contact called me at least once a week to update any status and inform me of anything that was needed for a modification. 
This all changed with Caliber Home Loans, you receive a general phone number and one one of XXXX " single point of contacts '' answer your call and say they all are your singlepoint of contact. Each of these " single points of contact '' is more clueless than the next and have XXXX knowledge of me, my loan or my current needs or modification situation. 
I do not have any direct line for my Caliber single point of contact and have never received a return call from him. This situation is unacceptable and violates all the rules ofand purpose of having a dedicated single point of contact to work with you who understands your file and situation. I need to be assigned a real single point of contact ththat is compliant, with a direct phone number in the CEO 's office just like I had at XXXX. Please assign me a Single point of contact in the CEOs office of CaliberHome Loans ASAP. The current situation is totally unacceptable and noncompliant. 
Please conform to the rules of proper modification management and compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Alorica Inc.
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:
Global receivable solutions has called my place of business 10 times in 1 hour. Both owners have called and told them to remove our number and they immediately called back 3 times in 90 seconds. We are a very busy restaurant and do not have time to be answering the phone when it has nothing to do with our business. They would n't even tell us who they were looking for nor let us speak to a supervisor. Every time we tried to speak they would interrupt us with the same statements over and over. 
It should not take 3 calls to get them to stop. Nor should they call anyone 10 times in one hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in foreclosure with my loan for my mortgage.with Wells Fargo bank. I am going through a divorce due to XXXX. I have been trying to re-modify my loan for the past couple of months. I have been given the run around so much I feel that wells fargo re entry department is just stalling to get to the sale date. I have supplied the documents over and over again and they keep saying we do n't have this we do n't have that. I am working with a XXXX specialist that is submitting the documents herself and knows that wells have them after I call them a few times they tell me oh we have found the documents they were in another place. My lively hoods depends on this modification. I was denied due to unaffordability. and thy told me in order to resubmit I needed to have a change in my current situation. My mother has moved in with me to help me and and is assisting with her income and they are still giving me the runaround and telling me that they still have to verify that I am eligible for reentry. I have done all that they have wanted several times over and they are still not doing as they have said. I just want to be treated fairly. and given a fair opportunity in this process.

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 2016-02-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a motorcycle financed through Synchrony Bank. When I decided to sell it, I listed it on XXXX and XXXX. A man contacted me wanting to purchase the bike and meet him 4 hours away for him to pick it up. He wanted me to give him our bank account info so he could deposit money into it. Of course, I said no. He then suggested a direct transfer from his bank to my financing bank to pay it off. We agreed and the transaction was completed. I spoke with the representative for the bank who said the account was paid off and the transfer was " instant ''. Knowing that this whole thing sounded fishy, I called multiple times following the transaction to verify the account remained paid in full. Two days later, my wife and I drove 4 hours to meet the man in XXXX. I called to verify again, and received the message, '' Congratulations! Your account has been paid in full. '' XXXX before we left to deliver the bike and immediately before handing it over to the buyer. We met in a large public place with surveillance cameras to make the transaction. He signed the bill of sale and we were XXXX on our way. I called to be sure he made it back safely and he did n't answer. Two days later I tried to call again and his phone had been disconnected. Suspicious, I called the bank who informed me that the bank account the man transferred the money from had never existed. I was charged a {$40.00} fee and still owed the full balance on my motorcycle. I was informed that the transaction was not an instant transfer, but instead an electronic check which, like paper checks, require a waiting period. Why was I not informed of this? I took every measure I knew to take to protect myself. We rely on the banks to help us stay informed as they are continuously seeing new forms of fraud. I am very disappointed in the misinformation that I received. I have filed a police report, which did not lead to any recovery but did get the motorcycle listed as stolen a few weeks after the incident. I 've filed a claim with our insurance company, who will not cover it as stolen since there is a clause in the policy stating they wo n't cover any intent to sell transaction and they consider it fraud. We have also spoken to the bank many times, who says it 's not considered fraud to them because our account was n't fraudulently accessed. Is there anyone looking out for the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PAYPAL CREDIT IS ALWAYS CALLING AND HARRASING ME AND MY FAMILY.

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 2016-11-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Care Credit/Synchrony Financial opened a new, additional Care Credit account without my knowledge or consent. Synchrony claims to have mailed " opt-out '' instructions for new MasterCard accounts, which I have never received. My existing account is still active, and now there is a second, separate account that has been created which I had no previous knowledge of. Upon contacting Synchrony Financial/Care Credit to ask why an additional account was opened using my information without my knowledge or consent I was informed that they believe they are legally allowed to do so because of their " terms & conditions '', even though I have never given permission for a brand new account to be opened. I stated multiple times that I had never consented to a new credit account being opened and was told it was " temporarily open '' and that there was nothing I could do about it. When I stated that I never received any communications regarding a new account being opened and did not want the new account, and that I had never legally consented to any new Care Credit accounts to be opened in my name I was told that my only option was to " not activate the new card '' and that they would continue reporting the new account to the credit bureaus for the next 120 days. When I stated they should not be reporting XXXX open accounts to the credit bureaus because I only had XXXX authorized open account with them and have explicitly informed them that the XXXX account was opened without my knowledge or consent I was told to " dispute it with the credit bureaus. '' No attempt was made at resolving the fraudulent account or the impact it will have on my credit.

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 2016-07-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have asked for validation and verification on several occasions and these people have not been able to validate and verify pursuant to XXXX, and XXXX. This DEBT COLLECTOR XXXX XXXX XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX XXXX XXXX, has sent me a notice of lawsuit filed, but since this is a communication from a DEBT COLLECTOR they would have to take the consumer to a UNITED STATES XXXX XXXX to be in a competent jurisdiction to say that I owe them anything which they have not been able to show. These individuals have put entries into my personal credit reports and they have been disputed but they still show up as my account. I did not give them my private non-public information so I do not know how they obtained it. This is IDENTITY THEFT PURSUANT TO XXXX. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so, I have successfully disputed this DEBT and they still continue to harass me.This is another violation that these DEBT COLLECTORs have created. 
They have harmed my consumer natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. This has harmed my ability to secure private credit for personal, family, and household purposes not for XXXX. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX XXXX, this is aiding and abetting fraud on the Consumer who is a natural person.

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 2015-11-05
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/15 on EQUIFAX. I did not authorized anyone employed by or at this company to make any inquiry or inquiries and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a refinance loan with AmeriSave Mortgage. The appraisal came in to low which would have resulted in the need to close my HELOC. I cancelled the loan. AmeriSave has n't refunded the appraisal fee yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
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 get monthly credit reports and this month i have a company turn me in collections and i have never heard of the debt, I called the original debt ( HSBC ) holder listed on the report and they kept me on the phone for hours then hung up and i called back they stated it was sold to another company so i ask for the information they sold and said they could not give me that but did give me a company name ( XXXX XXXX XXXX ) so i called them and told them and they said that it was sold to another company ( XXXX XXXX XXXX ) but refuse to give me any other details i ask why i was not sent a letter or invoice and he stated that if i paid my debts things like this would not happen, So then I called the XXXX XXXX 4 times and left a message but get no return callXXXX XXXX is the one that reported it to all three credit reporting agents, i want proof of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I had an over charge from my insurance company XXXX XXXX. I filed a dispute, for the overpaid amount. I was called by Bluebird and told that I would not get a provisional credit. I was then in contact with XXXX XXXX, who told me they sent the whole amount of the bill paid back to my card on XXXX XXXX, XXXX. I still have not received this refund. I called Bluebird AMEX every day since XXXX XXXX, and each time I am called I am told a different story. It takes 3-5 days to process refunds. Then it takes 8 days for AMEX to process refund. Then I was told that my dispute was closed without ensuring that I got a refund. That it would not be until XXXX XXXX, XXXX before I could get any more information about this dispute from them. Then I was told that my dispute was closed on XXXX/XXXX/XXXX. When I tried to open the dispute again, I was told that the dispute was not closed but the provisional credit was. Then I was told that AMEX Bluebird talked to XXXX XXXX last on XXXX/XXXX/XXXX, which is impossible since it was a Saturday, and the corporate office is not open. I was also told that AMEX was told by XXXX XXXX, they were processing a refund. I asked for a corporate office number and they would not give me one. No one is trying to help me resolve this problem. I was also told that XXXX XXXX is the reason that I was declined for the provisional credit. I am not understanding why? How can XXXX XXXX dictate AMEX Bluebird policies. I orginally filed my dispute on XXXX XXXX, XXXX, and it should be resolved way before XXXX XXXX, XXXX. It 's like they closed the provisional credit, and opened another dispute to extend the 45 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I paid my credit card bill in full and was still charged interest. When I called American Express to discuss why I was charged interest, it was explained to me that they take the average credit card balance for three billing cycles and charge you interest based on that. To me, it seems like this is what we can call triple cycle billing. I thought double cycle billing was outlawed by the CARD Act? 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was contacted by transworld systems inc in regards to a medical debt on XXXX. I had no idea who was calling me and they were calling from a local number with my area code. I asked who was this and the gentleman said his name and company then went on to tell me about the account he was collecting on without verifying information so the collector disclosed information to a third party. I contacted the company the next day to let them know what happens and to get a call back from a manager after they reviewed. They put my account in dispute apparently without me disputing. This could cause me to get a judgement on my record for no reason. This company is violating FDCPA and is a loose cannon in my opinion. I want to know what I should do and if I should hire attorney or what would be best suited for this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I'm a victim of Identity theft. I have fraudulent inquiries on my credit report : XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please see my identity theft report and documents in the attachments.

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 2015-06-25
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I got a phone call from a lady from XXXX XXXX XXXX saying that I had a credit card debt from XXXX through Juniper Barklay bank and if I did n't give them authorization to take money out of my current bank account they were going to serve me with papers at my job the following day. I explained to her I did n't know what she was talking about and that I was at work and would loose my job for being on the phone could I have a number to call her back, a gentlemen then came on the line and said it was time sensitive and if I did n't cooperate now they would serve me at work and freeze all my assets and spouses bank account and start garnishing my wages. I talked him into giving me a number and tried to call them back several times after I left work with no answer. He called me back today telling me that if I did n't give him some type of account number that they would proceed and the XXXX would freeze up mine and my husbands bank accounts if I did n't cooperate and give them my information. I explained to them I was divorced in XXXX and was sure this was something my ex husband had done. I never held a job until XXXX so I cant understand how I would even be given a card. they told me they could n't send me any information about where the card was opened or who signed the original contract until I paid it off. They had me convinced that if I did n't comply with them they would serve me papers at work for court and freeze my bank account he told me he knew I had a credit card that I could pay this debt off with and I do not. He said he was looking at my credit report as we spoke on the phone. they wanted me to give them my debit card number and allow them to take {$1000.00} out of my account tomorrow. I hadnt ' even had XXXX hours notice of even trying to fix this and they had me in tears at my job. He wanted me not to pay my house payment but pay him over the phone. They called my work XXXX days in a row. They started off wanting {$3000.00} then backed it {$1000.00} now he wants {$500.00} by Monday XXXX XXXX or they are gon na pursue taking me court. I do n't even know if this is legitimate and they wont ' send me documentation that is until ive paid it off. It very well could be something my ex husband opened in my name but I want clarification of this. I do n't want to be harassed and threatened to the point that I cant ' do my job at work because they have used scare tactics to make me pay a debt I did n't know existed until yesterday. My husband called the XXXX and they referred us to this site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have sent letters and called many times about this account to Conn 's. Conn 's have CON me out of hundreds of dollars and also have me with a 30 day late on my credit bureau report. This account was paid off in XXXX XXXX. Conns contacted me letting me know that I had a balance on my account as of XXXX XXXX. 1 1/2 year later they called me and told me I had a balance still owed. Conns also harass me by calling me multiple times a day after I repeatedly asked Conns Not to call anymore. I talked to someone at Conn 's on XXXX/XXXX/XXXX. I asked her what was the balance because I wanted to pay the account off because it was a promotional purchase of {$1600.00} if paid by XXXX XXXX. I paid her the total amount she told me I owed on XXXX/XXXX/XXXX. This is FRAUDULENT of Conn 's not to give a fair investigation to my account, I paid on all my accounts on time. They are still collecting money from me on this Account. I asked them several times to pull the tape of the call I called on XXXX/XXXX/XXXX to make my final payment which she said was {$950.00}. I also talked to someone on XXXX/XXXX/XXXX and she said if I paid {$150.00} that my balance will be paid in full. She lied. I was still being harass and then I found out that they reported me 30 days late on my credit report. I have ALL my receipts and paperwork. I can be reach at XXXX to discuss this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Tennessee XXXXThis debt is over 6 years old XXXX 2009 and was included in a previous Chapter XXXX that they never responded to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief