BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-27
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to circumstances beyond my control, I filed for chapter XXXX bankruptcy on XX/XX/XXXX. 
On XX/XX/XXXX we met with the trustee, I was told by the chapter XXXX trustee XXXX XXXX that we need to have a loan modification. 

In XX/XX/XXXX we filed documents for a loan mod. It was never reviewed because my attorney, XXXX XXXX XXXX. failed to send a document to the bank, giving permission to negotiate a loan mod. 

My home was scheduled for a sheriff sale on XX/XX/XXXX, When I called the bank, I was informed that I could not file because of the 37 day window. 

I went to court on XX/XX/XXXX, I filed a motion for a stay, I was granted a stay until XX/XX/XXXX. 
Court document is included in my package. 

I then filed a new loan modification packet on XX/XX/XXXX. 

I received a letter from the bank stating that additional documents were needed, I got the documents and uploaded to the bank on XXXX XXXX. 

On XX/XX/XXXX I contacted the bank to follow up, at this time I was advised that there was more documentation needed, however the 37 day cut off was XX/XX/XXXX. Yet I was advised on XX/XX/XXXX. 

As of this point, Caliber Home Loans will not review a loan modification because of the cutoff. 
I have been in constant contact with Caliber Home Loans, I have provided all the documents they required, they were sent in a very timely manner, yet now the 37 day cutoff is going to prevent a loan modification and they are going to proceed with the foreclosure and sheriff sale on XX/XX/XXXX. 

This is extremely unfair, I have done all I could on my end. I believe they intentionally stalled the process, so they could foreclose on my home. 

I have all the documents sent to Caliber Home Loans, it is in my opinion that Caliber Home Loans committed fraud upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have been a customer of Union Bank ( California ) for XXXX years. Last week I tried to send a bank wire using money in my account to a bank in XXXX, XXXX XXXX XXXX XXXX XXXX. I was advised that the service would cost {$50.00} which I thought excessive. In correspondence with the person in XXXX to which I am sending the money I learned that he too must pay for receipt of the same funds an additional {$40.00}! Upon further research I find that my bank, Union Bank is wholly owned by his bank in XXXX, Bank XXXX XXXX XXXX! So the very same corporate entity is collecting from both ends, a total of {$90.00}! 
In itself this is outrageous but in light of all the political hoopla about Pacific Trade Agreements being good for business, the " good for business '' must mean the good for the corporate, not the individual!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to review copies of my annual report from the XXXX credit report agencies through AnnualCreditReport.com and each offered different convenient reasons why they would not deliver the reports

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 2022-11-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( XXXX ) - ( XXXX ) XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Discover Card has acknowledged that accounts ending in XXXX and XXXX were closed due to identity theft XXXX FRAUD XXXX, but had continue to charge me for XXXX purchases XXXX ( {$600.00}, {$1400.00}, {$3800.00} XXXX. Although I told them these were non receipt items, they insisted it was fraud and treated it with the Fraud Department. It should have remained in disputes. Regardless, the disputes exceeded the allowance of 45 days which then should become permanent. However you will see it took them several months with the investigation and there was no correspondence between the initial credit until they decided ( WITHOUT PROVIDING EVIDENCE ) that these transactions were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told by XXXX XXXX that I was in the Public Loan Forgiveness Program  through a letter. They took over my XXXX XXXX XXXX. They said I needed to make my XXXX Loans into Direct Loans to be in the Public Loans Forgiveness Program. 

I did as they said and I consolidated my XXXX  Loans into Direct Loans losing the time towards Income Based because I was in the PLFP. 

I was told I didn't need to consolidate any more of my loans with XXXX XXXX and that they would bring my XXXX XXXX Loans over because I am in the program. 

Now, today, I got a letter saying that I might be eligible for the program. 

I am confused and frustrated. It is causing me a lot of XXXX because I could have kept it in Income Based and been done with it in 13 years. Also, 10 years ago, I was denied the XXXX Forgiveness Program and no one told me about the Public Forgiveness Program. 

I'm a XXXX XXXX XXXX and I feel like the government has let me down even though I have been a XXXX for 23 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife answered a call on XXXX/XXXX/16 from XXXX, at XXXX. Searching on-line the number belongs to They want my date of birth regarding a debt. My only debt is my mortgage, which is current, so the is no reason a debt collector should be contacting me. My wife refused to provide my date of birth and told the person that this same type of calling occurred last month. In that case they stopped calling after the fourth time. She received a 2nd call at XXXX from the same number for the same thing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I opened a credit card through Virgin America XXXX, who partnered with Comenity Bank for their XXXX program. I was immediately charged a $ XXXX yearly fee for the card, ok fine ... but then I was started being charged {$2.00} a month, and not knowing I was being charged {$2.00} a month, I did not pay, and then they charged late fees and interest on top of their bogus charges, which I never authorized. I 've called to have the charges waived, they did not agree, so I paid, what I though was my balance due on XX/XX/XXXX, and they said my account would be closed immediately. Then today, I saw they charged me another fee and interest on XX/XX/XXXX! I called again asking to waive these non sense charges, they would not so I paid again to get these bank out of my life. They steal your money by charging you bogus minimum monthly charges, and interest and late fees on top of that! I would like everyone to know how this bank operates, and after doing a bit of research on line, I see Comenity bank last year had to pay {$61.00} XXXX in restitution for bogus charges similar to mine. 

I would love to get my money back, and have this bank further exposed to their thievery. Shame on Virgin America for teaming with such a shady business. I will never fly Virgin America again either because of this, and will do my best to make sure no one I know ever does either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 while I was taking a vacation in XXXX, I had made a reservation on the rental car with XXXX XXXX XXXX. All reservation was conducted on the cell-phone and the documents were sent on the phone ( photo ) that were included Thai Driver License and Citi XXXX XXXX but the card security code ( XXXX digits code ) and the billing address did not include. Both information did not being sent to the rental company because I did not authorize the card to be charged. in order to hold up the car, the compay requested for payment that I had authorized only XXXX time charged in total amount of XXXX ( {$460.00} ). The itemization is listed below. 
Rental fee XXXX, this amount will not be refund. 
XXXX XXXX, this amount will be refunded after the vehicle is returned. 
XXXX XXXX XXXX The contract was sent via cell-phone which is unreadable, therefore, I did not sign the slip and not authorized for second charge ( {$1000.00} ) and insisted that contract and both charge will be authorized and sign at the office after reviewing of the contract. 
I went to office but there was on XXXX in the shackle building with the tall grasses and cats ran around, therefore, I left the office and cancelled the reservation. However, company was refusing and the depute has been filled, after all attempt many times, Citi XXXX final resolution award the rental company for both charges of {$460.00} and {$1000.00} in XXXX that XXXX ) Charge Slips were never signed, XXXX ) There was XXXX digit code given, XXXX ) No contract has been sign and no vehicle was taken, XXXX ) The deposit should be refund because the vehicle was never picked up. Please see the attached document.

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 2022-11-18
Company: MoneyLion Inc.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used the Moneylion XXXX  money banking app. I deposited my check ( XXXX ) from my work place on XX/XX/XXXX. That same day my card information somehow got used in a XXXX XXXX ( XXXX ) in XXXX NY. I did not authorize these transactions as I live in South Carolina and was at work ( had my bank card with me. ). I filed a dispute, it got rejected. they claimed it showed no error and would not tell me anymore about it. I filed an appeal, it also got rejected saying that I authorized them. I sent them my work time sheet proving I was at work, a bill to my residence proving where I live, a receipt of something I bought that same morning in South Carolina. they still rejected it and refuse to reimburse me or even investigate it further.

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 2016-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
after paying off my monthly balance of about {$120.00} i used the card for XXXX purchases totaling about {$95.00}. I then got a statement saying my balance was about $ XXXX.I called the company ( capital one ) and did not get a resolution, only rhetoric. I then canceled the card only to receive an e-mail that repeated the same disputed amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Mortgage with Caliber Home Loans I had numerous unsuccessful attempts at a loan modification, I was turned down again and a NOD was filed on my house. 
I called the bank and want to do a repayment plan with a substantial downpayment and I asked for 12 months to repay the balance I called many times to set up a repayment plan. each time getting a different : '' point of contact specialist '' Most of them were very inexperienced and gave me wrong information. I called with my lawyer on a conference call and got yet another inexperienced " point of contact person '' She put down numbers and submitted them for approval for a 12 month repayment plan ... well, she did n't have her numbers correct and she did n't account for money that was in the account for unapplied payments. causing me to be approved for a huge unaffordable monthly payment of almost {$10000.00}. When I called in to have this corrected, the first person I got was a trainee who did n't know what to do and then I got her trainer who too had wromg info and numbers.. Also, each person I talk to adds more fees on to the total. 
The bank is trying to charge me for late fees that were included in the total due. This means that I will be paying late fees twice for each month or double late fees. 
Also, I was OVERCHARGED from my XX/XX/XXXX statement to XX/XX/XXXX statement. by {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2017 I noticed ACH fraud on my account and reported it immediately. USAA instructed me to open a new account online and were not open to assisting me. After completing this task I called back the following day to inquire about my debit card. Since the compromised account also had my direct deposit this needed to be changed as well. 

All being said, I still had zero access to my money either by check or debit card. Phone call placed to the agency on XX/XX/2017 to inquire about the status of the debit card to only be told " you can find that information online ''. I asked to speak to a supervisor and the call was dropped. Called placed on XX/XX/2017 and spoke to XXXX. She advised it had not been 10 business days and she could only cancel and reorder a new card. XXXX proceeded to explain how this is the " only '' way to get my debit card. The option for overnight mail or 2-3 business day delivery was not available. I asked XXXX to arrange for a manager to contact me and to this day has not happened. 

As of today, XX/XX/2017 I have not received a debit card or checks to access my funds. I called USAA and got disconnected by XXXX. I patiently redialed and spoke to XXXX and asked for a supervisor. She then transferred me to XXXX who was a " supervisor of policy services ''. Clearly the breakdown of communication is rampant. I requested to speak to a supervisor in banking. Then transferred to XXXX who is not a supervisor. Finally, a supervisor by the name of XXXX took the call. She proceeded to explain to me that XXXX never arranged for a supervisor/manager call back. Additionally, she was able to cancel the initial debit card order and send it 2-3 business days. 
This contradicts was I was told by XXXX as well. XXXX was helpful and seemed bothered by the fact that she had to " order checks '' for me. When asked for a tracking number on the debit card she explained that I would have to call back to get the tracking number. What is the point of having " secured messaging '' within the USAA.COM portal? 

This experience goes beyond unacceptable. I am escalating this complaint to the Consumer Financial Protection Bureau so that Federal and State Regulators are made aware of this experience. 

USAA was a trusted financial institution who has clearly failed in this regard. 

XXXX Veteran

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector Diversified Consultants has my account from XXXX XXXX XXXX for XXXX I have explained to them that this is not correct. XXXX XXXX XXXX was charging me for Data that was supposed to be unlimited as per my contract, but continuing to charge for data. I found out later this was not unlimited. I filed complaint with FCC and FTC. They currently have a lawsuit with XXXX XXXX XXXX. I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Diversified Consultants, Inc.
State: NY
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:
This all started back in XXXX 2014. A collection agency, XXXX XXXX XXXX, reported to XXXX and claimed I owed XXXX from XXXX. I have not had XXXX service in several years. To ensure, I contacted XXXX and verified my acct was closed in good standing and was never sent to collections. They also confirmed my information was not used to open any accounts after my account was closed, which would theoretically rule out identity theft. I submit a dispute with XXXX and it gets removed almost immediately. Great! 

Two months later, I got to apply for something and get denied. Check credit report and a new collection agency by the name of DIVERSIFIED has this so called debt now. I submit another dispute with XXXX and after they went through their investigative process, they removed it as well because the Collection agency could not verify the debt. 

During the investigation, DIVERSIFIED could not verify the debt and sold of the debt to a new collection agency, XXXX XXXX That new collection agency is now looking to collect on this false debt. I am sure after I submit letter of verification, they will attempt to sell it off again. 

My concern is that I will be in this loop for ever. XXXX claims they can not do anything because every time it is sold to a new Collection agency, the acct numbers change. 

Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been a Discover credit card member since 2005. Several years ago, I used the card to purchase home improvement material. The monthly payments were being made on time. However, after making payments for some time, Discover representative informed me that the low promotional interest rate would now change to higher interest rate. While I tried to explain this promotional rate should remain, they would not hear of it and raised my rate to around 9 %. After another year of making on time payments, Discovered called again and raised the interest rate a second time to around 16 %. I objected to raising the rate on purchases that were initially made on a low promotional rate offer. In addition, for no reason provided, Discover significantly reduced my limits on the card to the balance remaining further preventing me to purchase on the card. I continued to make on time payments, and once again Discover reduced the limit to balance remaining. This practice of reducing limits continued as the principal was paid down. I objected that if I am making on time payments at higher rates and never late, why the reduction in credit limit. The bank stated that this was their normal practice based on review of my credit card statement. Again, I had no choice but to continue to make monthly payments on a higher interest rate. Finally as recently as a year ago, the rate was once again raised to 21 % and the credit limit was once again reduced. I believe the bank is illegally changing terms in the middle of the contract and continuing to raise interest rate higher than those offered by competing banks. Also, Discover continues to reduce my credit card limit although payments are always made on time. This is not a fair bank practice and in my opinion illegal. A loyal customers like myself who has been with this bank since 2005 should not be taken advantage of and who has demonstrated good on time payment history. Because the bank unreasonably increased my rates several times and reduced my limit several times, these actions by Discover has placed undue hardship on me and my family, taken advantage of my financial situation, and in my opinion is an illegal practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I am a victim of the violations that were discovered by the CFPB 's investigation of US Bank, that found the bank engaged in unscrupulous practices that resulted in many violations of various consumer protection acts. The specifics of these violations that directly affected me, are detailed in the attached documents. Furthermore, I asked for documentation proving that no violations occurred when this account was opened. I was told by US Bank that I need a subpoena to access such documents. I am questioning why do, I need a subpoena to access documents for an account that was allegedly opened legally baring my name?

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 2016-09-21
Company: Advance Bureau of Collections
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I was informed by one of the employees and XXXX XXXX that that had had computer problem and that they reported old info and paid info to the credit unions on account they should not have. I have also notified them that they were not to call my personal cell and XXXX XXXX continues to call my cell ... .XXXX has informed me that they do n't work with Advanced Bureau of Collections located at XXXX XXXX XXXX XXXX Ga XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation