BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: Caliber Home Loans, Inc.
State: CO
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:
Went through a loan modification in XXXX with Caliber Home Loans. My husband had a XXXX XXXX XXXX  and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-08-30
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, I contacted Cash app, also XXXX XXXX, about a fraudulent transaction that was made in the amount of {$100.00} to XXXX. It was a payment I made for a product I never received. Cash App, also XXXX XXXX, refused to investigate it, stating that the payment was automatic and could not be reversed. However, pursuant to Federal Deposit Insurance Act, my account is insured {$250000.00}, per depositor, per insured bank, for each account ownership covered. Cash App, also XXXX XXXX, have denied me the right to investigate fraud related to my account according to the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Husband XXXX XX/XX/XXXX ; notified Fifth Third Bank in XXXX, OH, and spoke with ( XXXX ) in the dept. handling XXXX issues ; my concern was about getting vehicle re-registered with DMV so my name would appear lien and Registration ; I was told to go to DMV because they were n't sure if they would allow it. I went to DMV and explained what I needed, and they gave me a " Transfer of Certificate of Title With Lien '' form for me to fax to the Lienholder/Representative ( Fifth Third Bank, Contact # XXXX ). I called back on XX/XX/XXXX, and spoke with an XXXX, but quickly got off phone because of her personality ; not someone I needed to speak, considering I 'd recently XXXX my XXXX XXXX. Called back to speak with ( XXXX ), who was very nice on my first contact with this Bank, but he was unavailable, so I spoke with a ( XXXX ) ; I asked could I fax the DMV form and XXXX Certificate to them, but was told I could, but they would not complete the form because I was not on the loan. My response was I know but I am maintaining payments, until loan is paid in full and only wish to be able to get the vehicle registered with DMV appropriately ; they would still have the Lien, and would still get their money. Loan has and is still in good standing. When I contacted them initially they had me believing that if the DMV is would accept such a transaction, it would be no problem. Their main concern was if I was going to keep the vehicle, and my response was yes, I would continue making the payments on time ; but now they want me to pay the loan off ; that 's easier said than done.l I 'm not rich, however, I 'm a retired, now XXXX, and will pay my husband 's loan. Look like their should be some type of provision for situations of this nature, especially when the XXXX is already going through so much mentally from the XXXX XXXX XXXX XXXX XXXX. I feel I should not have to be stressed with going and getting a new loan for my husband 's vehicle. I 'm not asking for a handout, just asking for help to keep paperwork with DMV straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Volunteer Mortgage Loan Servicing
State: TN
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:
I was having trouble making a payment online for my mortgage with Volunteer Mortgage Loan Servicing. I spoke with the company and discovered the problem. They instructed me to call a certain number to make the payment, this was on the last day of the month, and they informed me the payment would not be reported as late or negatively affect my credit score. This was for XX/XX/XXXXorXX/XX/2020. It was reported late anyway. I spoke with Volunteer Mortgage and they instructed me to file a dispute with the credit bureaus in order to get the information corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
From X/X/2016 - XX/X/2016 XXXX XXXX XXXX XXXX listed 5 month missed and late payments. There was fraud charge listed in my credit card and I have disputed the transaction with XXXX XXXX XXXX XXXX and It has been removed from my credit card transaction. But I still see this as a missed payment in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
This kohls account is not mine Im not liable for it its a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There are several concerns noted in your report 1. Time is missing after XX/XX/XXXX. I only had IP address. 
2. When you reviewed the transactions, it doesn't make any sense. On XX/XX/XXXX, I was in XXXX  in the morning, then XXXX  during lunch, then XXXX  in the afternoon. I came back to XXXX  in the evening..Another example, I was XXXX XXXX ( XXXX  XXXX at XXXX on XX/XX/XXXX. Then I went to XXXX ( XXXX  ) at XXXX. Even with flights, I won't be able to fly between XXXX in 20 min. Another example, I was XXXX ( XXXX  ) at XXXX AM on XX/XX/XXXX. Then I went to XXXX ( XXXX  ) at XXXX on the same day. Even with rockets, I I won't be able to fly between XXXX in XXXX min. 
3. Based on those log in information, it looks like a main fraudster ( my fraudster boyfriend ) control the account. While others reviewing and monitoring the account. The account is comprised for sure and multiple people can log into it. Otherwise it can not provide any reasonable explanations the movement of the log in locations varies in such a short time. 
4. One more piece. I have witness ( my landlord and my co-worker ) to show where I am during your claimed location ( IP address ). I never traveled in 5 locations in 20 days in XXXX. 

Also I was a Wachovia customer before and my account was merged into WF in XXXX. So I want you to provide me a history of my account log in activities in the past couple of years. Since I wasn't sure how long your record can last for. So if you can find any history, I'm really appreciated. Also I want to review the log in after I reported the fraud. Do I log into the account in such high frequency? 

I've provided a copy of the arbitration claims. Please consider your evidence and the circumstance.

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 2022-08-30
Company: EQUIFAX, INC.
State: NJ
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:
Please Remove all Fraudulent Accounts as I have no knowledge of any of these accounts due to the Equifax Data Breach Identity Theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Ive had your company keeping faulty and incorrect accounts on my credit report for a very long time and despite my prior letters to you including the one sent to you the prior month, you have failed to do anything.

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 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
have repeatedly requested for documentation from  XXXX   XXXX  to verify the debt of {$1300.00} that is reported on my file. They after repeated attempts have not sent me the documention to verify said debt and I disputed the debt with Transunion. Transunion informed me that their investigation consists on them taking the word of  XXXX  that they have the documentation for the debt, when I requested what documentation they had received to verify the debt they informed me they have n't they are taking the recovery company at their word.  XXXX   XXXX  is subject to a  True Consent order im posed to them via a legal action and at this stage have not provided any evidence to me or to the reporting ageny for this alleged debt.

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 2017-08-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We are a third party firm contracted by the borrowers towards getting a short sale of their home completed. Midland Credit Management , Inc is a junior lien holder of approximately  {$10000.00} in debt from the borrowers. We have made repeated attempts to get them to accept less than the full amount due in order to get the short sale closed and completed, specifically because if the property goes into foreclosure they will not receive anything. 

We have asked for a partial settlement, thereby releasing the lien on the property and even having them not waive the remainder of the deficiency to complete more debt collection offers and they are not allowing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/2023, I made a call with a loan agent from Wells Fargo for mortgage pre-approval. I was advised by the loan agent to submit an online pre-approval application right away, even I told them I may not be ready to buy a home for a few months. The agent then sent me an email with a name card and application link ( see attached files ). Right after I submitted the online application following the link, my and my wife 's credit score was hard inquired, while we thought it was only to collect our information. No explicit consents were obtained during the application, and we didn't signing anything.

We later decided to not want the pre-approval letter, due to the uncertain market. But Wells Fargo told us they won't reverse this check, mentioning it is part of their standard process.

I believe Wells Fargo 's process doesn't conform to the FCRA. They never obtain our explicit consents and their loan agent misled us to apply for something we don't immediately need, just so they can have better chance to loan more money out.

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 2017-04-18
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had this FHA loan since  XXXX . I refinanced in  XXXX . I have been paying FHA mortgage insurance for 26 years.  Loan  is  XXXX , appraisal of property is  XXXX .   with equity of over  XXXX , the monthly FHA insurance should be removed.   I have been trying to for 15 months to have Freedom Mortgage remove the mortgage insurance but i keep getting being ignored. I get con artists on the phone that use fraudulent methods to frustrate me.   I am confident that Freedom Mortgage of  XXXX  TX is employing fraudulent methods to steal its clients money.

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 2017-04-17
Company: Sortis Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
By XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ), which held a 2nd Against our home, had gone out of business. Four for years ( since XX/XX/XXXX ), not a single legal entity contacted my for payment for this the 2nd lien ; thereby surpassing the four year statute of limitations as defined by California State Law ( California Code of Civil Procedure 312-366 ). To wit, the 2nd Lien Held by XXXX XXXX XXXX XXXX is mute as it was never collected upon during that four year period after the company went bankrupt due to many of the company executives being found guilty of embezzlement and perjury in Federal Court ( see the attached documents for a complete explanation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am filing this complaint to address Coinbase, digital currency exchange, to have my funds/accounts released immediately. Over the weekend, my account was hacked meaning someone, an unauthrizd user, has logged in with my information somehow to transfer {$5000.00} worth of BTC to an address. At the time of the transaction, I 've received text messages that give me the codes to enter if I am logging in from somewhere I have not logged in in previous locations/devices which the led to the suspicion. I logged in to my account immediately with my phone ( primary device for login ) to see what was going on. Only to find out that a transaction has been made an was " pending ''. Unfortunately, Coinbase do not have a human support. I emailed customer service about the account being hacked and replied by saying they 've closed my account due to security reasons. 
Two days have passed and a representative emailed me stating the transaction was done through a device that I consistently use to make transaction and a consistent location. 
This does n't make sense at all. If someone tried to log in with my information, by entering numerous amount of wrong codes, I believe that Coinbase should have locked my account and advised me right away. I 've received 6 text messages with different codes meaning he or she had entered them wrong every 6 time. Ultimately, I have no idea how they had access to the phone I was physically carrying to complete the transaction. Furthermore, the representative just gave me a simple process to change my password and strengthen my authentication process. I needed to have access to my remaining balance and to find out which device at which IP has logged in for the hack ( trying to somehow resolve on my own ). This capability is only available when I am able to sign in. So at the moment, I am trying to have access to funds over {$20000.00} which is a big amount. Furthermore, they refused to help the customers ' losses. Not only they are willing to even negotiate/speak about responsibilities, they are not enabling my account without answer. So, I hereby file this complaint to Coinbase to take immediate action.
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received an escrow account disclosure statement dated XX/XX/XXXX from US Bank ( XXXX ). The analysts shows a shortage of {$3300.00}. Since XXXX of XXXX I have been going back and forth with US bank trying to get an explanation of where this shortage is coming from. I have made numerous phone calls since then. I was told to wait till XX/XX/XXXX to get a recalculation of the analysis since it was drastically miscalculate, probably due to someone's error. I have spoken to several customer service representatives and none of them was able to find out how this mistake happened and why. After waiting and getting nothing in the mail or via email, today, XX/XX/XXXX I called again. And I was told that someone made a note on the account that there was no need for recalculation. US bank miscalculated this analysis, they made a mistake and they are not even able to explain this to a consumer. I have the right to know, to be explained in layman terms how US Bank landed on this amount. Even the customer service reps were puzzled as to this unfounded analysis calculation. There were absolutely no changes that could affect such drastic shortage on my escrow account. This is beyond frustrating. This huge miscalculation of shortage caused my mortgage payment increase by almost {$300.00} a month making it twice as hard to keep up with payments and maintaining good payment history. I have been trying to get answers from US Bank to no end. Today I was told to wait till XX/XX/XXXX to get answers. I need answers and explanation and accurate recalculation YESTERDAY. I Can not be pushed to next month and next and next endlessly because the bank doesn't know how to calculate properly.

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 2022-03-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didnt approve of this transaction that was made by the cashier!

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 disputed the unverified, unvalidated, and inaccurate XXXX XXXX Credit Card numerous of time most recent XX/XX/2022. The account keep coming back verified with none of the requested information provided i.e. original contract or correction in inaccurate and incomplete payment history. I have exercise my rights according to the FCRA.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: MT
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 XXXX XXXX has a remark in Experian " Affected by natural disaster. '' We spoke with XXXX, the employee asked if we were victims of hurricanes or tornados. I told her no, we live in XXXX. The remark is incorrect. She refused to remove it. 
We have never been affected by a Natural Disaster. This was an account with all on-time payments made for our 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