BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-23
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage that was sold to Caliber Home Loans last fall. I pay into an escrow account to cover property taxes and insurance. In XXXX XXXX I sent Caliber a copy of a property tax bill that I received from XXXX XXXX, VA, as instructed by Caliber. In XXXX of XXXX I received a delinquent notice from XXXX XXXX. I called the Tax Department at Caliber, giving them the pertinent information and was promised that the bill would be paid. On XXXX XXXX I received a second delinquent notice from XXXX XXXX, with penalties added to the amount owed. I called Caliber on XXXX XXXX and again was promised that the bill would be paid, but remain skeptical. As of today, I have an escrow account balance of {$3500.00} and the tax bill is for {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Select portfolio servicing bought our mortgage about 7 years ago and I recently started noticing that there were extra charges on there besides late charges. They keep telling me that they are charges they do n't have to explain to me so I requested my loan information from the time we bought the house. I have asked twice now and they will only send me the last 7 years stating they do n't have to show me any paperwork from when they bought the loan or copies of any charges that have accrued ... .In XXXX I paid them XXXX house payments at which time they said I was still XXXX behind so in XXXX sent another XXXX plus extra for late charges. What I do n't get is in 15 years of having this mortgage they claim my payoff is still the original amount of the loan I just do n't think that could be right. Please help as we are still at almost an 11 % interest rate too!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Pendrick Capital Partners Holding, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt reported to collections, no attempt to collect a debt. Not enough information to verify where the debt is from and how to repay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company describes them self as " Affiliated Assests Solutions '', it is a debt collector company. Many years ago they have been calling my cell phone. They continue to call to my personal cell phone asking for a person named XXXX. I told them to stop bother me. They stopped for time to time and then they started again to calling me twice almost every week. I called them to stop but it did n't work I told them that there is nobody under this name with this phone number. I have this number more than 6 years. They don listen. When I am working, resting, eating any time any hour they are calling. Please I need somebody stop this people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
this is not my loan I never applied for this loan this was not done in person and my ID and check was stolen around the time this loan was taken out and all the money stolen out of my bank account even my regular pay check money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me twice a day everyday of the week. I have told them do not call me and send letters to me in postal mail. They have demanded me to give them a debit card info. And or credit card over phone to pay a payment. I told them no I will not give any info. Over phone. They refuse to send me anything in mail. They are harassing me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

+ 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXXXXXX XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXXt # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights unknown Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights

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 2022-04-19
Company: CREDIT ACCEPTANCE CORPORATION
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:
I have 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies XXXX, XXXX, XXXX and I was not able to get any assistance.

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 2015-05-08
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
In XXXX of this year, Messerli and Kramer, froze my savings account and on XXXX XXXX, 2015 they had the bank send them a check for {$320.00} and then they released my account. They did this even though they were told that I was on XXXX Assistance in Minnesota. According to Minnesota state law, they were not allowed to garnish my account for at least 6 months after I am off of assistance. I would like my money back and have them charged with whatever crime they have committed against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the original creditor, XXXX XXXX XXXX, ( which was a fraudulent account opened by my ex-spouse with my information without my permission, as he is an employee of XXXX XXXX XXXX ), and then a month later a collection for that same bill showed up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
I am a victim of identity theft. I have fraudulent accounts on my report that need to be removed.

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 2022-04-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nissan XXXX XXXX XXXX has put in my Credit report Illegally, they had admitted that they made a mistake and are still trying to collect on their mistake. they will not release the Call logs because they know they will incriminate themselves and are trying to hide their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
Upon viewing my credit report, I noticed hard inquiries from companies that were not authorized to check my credit. Listed below are the dates and names of companies that checked my credit without authorization. 

XX/XX/2019 : XXXX XXXX XXXX XX/XX/2019 : XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Auto Finances

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Amercican Collections Inc has repeatedly been harassing and intimidating when I have interacted on the phone with them. The manager whom I was transferred to after speaking with XXXX, threatened to call the doctor 's office I owe a debt to and tell the doctor 's office that I am not cooperating with the terms of the payment agreement. XX/XX/XXXX, I was told as long as I pay the debt prior to the last day of the month, my account will not change. I sent a partial payment using my bill pay XX/XX/XXXX and was waiting until I saw the payment post to my bank account to pay the difference. On the day the company received the partial payment, on XX/XX/XXXX, they called me and were telling me contradicting information regarding whether or not me giving them money to pay my debt was a problem. I started this payment agreement XX/XX/XXXX and paid XX/XX/XXXX. XX/XX/XXXX is not even over and they are threatening that they will have the doctor 's office collect the original amount. When they called on XX/XX/XXXX, I had already been planning on calling them to use my credit card after I saw the check post to my account, as I had done the previous month. Had they called me simply to ask me to pay the difference for XX/XX/XXXX instead of trying to berate me and pressure me, I would have paid right then. Instead they behaved discourteously. They kept using the word, " generous '' to describe the benevolence of the doctor 's office and I strongly feel the language they were using was meant to belittle me and to intimidate me and to make me feel guilt and shame, despite that I am paying this debt. They are behaving very badly while I am paying this debt. I do not deserve to be harassed and threatened because I am paying a debt. They have lied and misrepresented the information regarding the payment of debts. Also, my husband called ACEI after I called him at work and I was very distressed. When he called ACEI, he spoke with XXXX, who transferred him to the same manager. She disclosed sensitive personal information regarding the debt. She told him who the debt was from, how much it was and all information regarding the debt. To my knowledge, sharing that information is illegal and against confidentiality practices. They did not have my consent or confirm that he was my husband before sharing my personal 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 explanation
Consumer complaint received 2022-07-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My XXXX payments were stolen when my direct deposit form was altered by a XXXX employee ( XXXX is the XXXX  XXXX for WellsFargo ) and the money was sent to a fraudsters account at Wells Fargo. XXXX XXXX and Wells Fargo would not listen to me for almost 2 years. I made XXXX calls and multiple emails to various employees there. I provided my bank statements over and over as proof that I didnt receive the payments and they totally ignored me. In the meantime they were sending me threateningly collection letters for overpayments that I never received. Finally, they looked at the direct deposit form and the voided check which were obviously altered with fraudulent routing and account numbers that werent mine. All my XXXX checks went into the fraudsters account which was opened using my name. I also asked for the documents used to open the account at Wells Fargo, ID, application form, etc. They keep saying they will escalate request and send me the documents but then dont send to me. 

I need them to reconcile the money they owe me and they are dragging their feet. 

I can provide all documents needed to support my assertions. Just let me know what you need. 

I do not get calls or emails returned from my case manager, XXXX XXXX. The Appeals Consultant referred me to the Financial Recovery Manager and she forwarded my email concerning the fraud on my account. Wells Fargo has been totally unresponsive, too. 

I want the benefits that were stolen from me XX/XX/XXXX thru ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, AZ XXXX Email : XXXX 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 explanation
Consumer complaint received 2018-01-01
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:
I have disputed XXXX through multiple sources. After much work the XXXX account was removed from my XXXX credit file. The XXXX account also needs to be removed from XXXX and experian credit files as well. The collections account for XXXX, XXXX XXXX, needs to be removed as well. If the XXXX account is not valid neither is the collections account.

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 2017-07-13
Company: CHARLES SCHWAB CORPORATION, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Schwab bank closed my Schwab Bank High Yield Investor Checking Account. I opened the account and was told to wait for my wife to become a joint owner of the account prior to depositing money into the account because this will affect how the debit cards are issued. My account was closed by Schwab. They claim they sent me letter, but I did not receive them.

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 2022-04-19
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am a single mother with XXXX children, I just went through a horrible divorce that involved XXXX. I am trying to pick up the pieces and put my life back together which includes keeping a roof over my children 's heads. I have a career with a XXXX year job history. Our home is currently in the foreclosure process with Bank of America. My ex husband stopped paying for the mortgage and took all of our money out of the bank when I obtained a restraining order against him. I can afford the mortgage payment go forward however I am unable to make up the back payments. Prior to the divorce being final I was constantly in contact with Bank of America trying to figure out ways to prevent the foreclosure. I was highly encouraged by them to obtain the divorce decree as quickly as possible and get my soon to be ex to quit claim the house so that I could qualify for a mortgage modification. I rushed the divorce to obtain these documents and submitted them only to be told I did not qualify. I was never told the same thing twice. Every time I called I received conflicting information. I retained an attorney by the name of XXXX XXXX at XXXX Law Firm as I feel there have been many UDAAP violations throughout this entire process that need to be investigated. To this day I still am unable to get the same information from XXXX different people at Bank of America on anything having to do with this whole mortgage modification approval/decline process. I submitted the divorce decree and quit claim deed exactly as I was told then I was told by someone else there was no need to do that. They appraised my home for {$500000.00} the first time, when I appealed that they came back with an appraisal of {$450000.00}. I sent in XXXX comparables to Bank of America and gave them the name of several realtors in my area who said the home would not appraise or sell for more than {$370000.00}. Bank of America has ignored that. Where is the due diligence around their appraisal process and ensuring the accuracy of them? How many other mortgage holders homes were over appraised as well in order to decline their mortgage modification?? I believe this over appraisal is XXXX of the reasons for the denial for the mortgage modification but not able to get confirmation around that either. Recently someone named XXXX XXXX called and said I could get my own appraisal done and this was the first I have heard of that as well. There have been nothing but unfair and deceptive acts and practices during this entire foreclosure/mortgage modification process. Please help, I can definitely afford the payments and need to keep my XXXX children in their home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List the account name here with the account # ( do not list over 5 accounts and 6 inquires ) XXXX XXXX XXXX # Accounts # has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without written consent.

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