BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-02
Company: Alorica Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hospital attempting to collect charges beyond those that my insurance company has deemed allowable, based on their contact as a provider. This practice is considered " balance billing '' and is prohibited by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In 2020 due to the covid 19 pandemic I could not pay my mortgage, then I applied for a partial claim in XXXX I received a letter dated XX/XX/XXXX saying that I was approved for the amount of {$11000.00}, later in XXXX I receive another letter dated XX/XX/XXXX2020 that says that the partial claim was not approved, I am forced to sell the property for many unfortunate circumstances, at that time the title company finds that there is a link in XXXX XXXX CLERK OF COURT, XXXX XXXX XXXX, The tile company decides to hold the amount of {$11000.00} until HUD or FHA send the payoff of that supposed second mortgage which was not paid to my loan which was already paid in full on XX/XX/XXXX, until now XX/XX/XXXX / XX/XX/XXXX I have not received an answer as to what happened with that money, I have called and sent emails to the 3 companies involved in the transaction and I have not obtained any answers, I need to close a business in a new property and I can not do it until this problem is clarified. I appreciate the help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went bankrupt in 2010. At that time XXXX with the holder of my second. I was informed XXXX went bankrupt and my second was charged off. This is documented on my credit report. Due to a divorce, I was required to refinance my house in my name. When I went to do so, I was told that Di Tech had a lien on my house and that they had " purchased '' my second. They refused to settle for lesser amount unless I completed their hardship paperwork. I completed and they refused to settle, stating there was equity in the home and that I would have to subordinate their lien. I had the mortgage company request subordination. They refused to sign, stating that I was over the 9 months in my divorce court order to refinance. Throughout the process, Di Tech has dragged their feet, stated they have not received paperwork, and refused to cooperate on this very questionable lien. Some of the ways they did this was giving me the wrong contact person and email, stating they did not receive paperwork ( I resent at least five times ), taking long periods of time for turn around in regards to response to requests. I started this process over six months ago with them. I was trying to get a XXXX refinance, which I understand they are required by law to accept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: Ditech Financial LLC
State: MH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
# 1 Bank Name XXXX sold out but have title to home, And rolled over to a new Bank name Of Green Tree # 2 Bank name Change out to new name to Ditech I have pay very High interests Rate 8.99 % maybe to much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015 my home windows were plastered with Trustee Sale papers for all my neighbors to see. 

I immediately called XXXX XXXX, the " single point of contact person '' assigned at Caliber home loans to find out whatwas going on. When i called she said, that caliber and trustee corps were going to sell my home of 17 years. I told her that this would be a grossviolation of my home-owner bill of rights due to the following:1. I was in an active " Dispute of the alleged Debt '' from XXXX and that I did not owe the alleged amounts that they are alleging. 

2. I have an active " Request/Demand for production of QWR and Debt Validation proof '' 3. I have an active " loan modification '' package on this account if and when Caliber can establish the " alleged amounts that they are claiming as due. 

4. I have not received any mail. email nor phone call with notices of any default or of the upcoming foreclosure sale. 

5. She said that Caliber got this account XXXX and that they took it and they did not have to communicate anything I told her that I have not received any good bye mail nor notice of the previous XXXX nor a hello or notice of Caliber as the foreclosing bank or entity and that she and I spoke in XXXX XXXX and that she was going to mail me information which i never received, never the less I sent them an " official debt dispute '' on XXXX and since then have n't received anything from them. 

Therefore, they should immediately " stop '' the sale of my home. 

As of today, they are changing my single point of cantact, have not given me any information and appear to be pushing to sell my home of 17 years. 

I need your help to stop them from doing so especially, while all of this is being sorted out and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never used the hospital in question for any medical needs, this is an error. The Hospital listed is XXXX XXXX XXXX Hospital, Someone has billed me for this in error. 
There are XXXX neg reports from this Hospital, however I have never entered this medical facitly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: CL Holdings LLC
State: GA
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've reached out to XXXX, XXXX & XXXX XXXX about a company reporting a car repo on there perspective credit reports. XXXX XXXX XXXX is reporting a wrong start date. They're reporting a start date of XX/XX/XXXX which is incorrect. I have made several attempts to resolve with the company and reporting agencies, including XX/XX/19. According to the law, these item has to be removed from my report for report wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My brother XXXX is listed under my reported names. Please advise that every time he applies for a credit, the hard inquery is saved under my credit report. We have different social security numbers. Let me know if more information is needed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: OpenRoad Lending
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated calls from Open Road Lending and I do n't have any loan accounts with this agency. Please stop the calls

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Must be some other XXXX XXXX XXXX I would have definitley rememebered staying in a $ XXXX apartment.. must have been a loft.. 

I have sent Resident collect several documents and requested a full removal of this collection and they refuse to send me confirmation or even take my information seriously. 

I have documented several instances where they 've violated the FCRA, FDCPA, and best of all the FACTA.. guess they really feel like their above reproach.. makes me wonder how many people out there are being slighted or ripped off by this company. 

Attached are my id theft documents. I can upload the times, dates, and other docs on resident collect if it would help prove my initiative to make contact. thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: MI
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 have sent letters after letters and I have asked them to send me a record of the late payments that they are claiming me to have. They claim I was 90 days late on a payment in XX/XX/2019. Which I know is a lie, I also let them know that if a person is so called late on a 90 day payment why did you only report it in XXXX, why didn't they report is showing XXXX, and also XXXX in the allotted spaces with is illegal to do. They should have listed every SINGLE late payment from my credit report regardless if theres more than 1 late per account. If I had a 90 day late payment reported, there should be 3 separate late payments listed in the allotted slots. Which there is not. So this is reporting wrong and I just want it to be updated. Plus XXXX XXXX has already taking all student loans off my report. Not saying that I don't owe them because I do. I just want them removed due to they been on my report more then 7 years.

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 2016-01-18
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I had a line of Credit with XXXX of XXXX, Ohio, XX/XX/XXXX, I was in the process of selling an old company, and was not getting alot of my mail, I was unaware there was a current outstanding amount owed to XXXX, on XXXX/XXXX/XXXX, XXXX XXXX XXXX ( XXXX ) filed suit against me with no notice, the address he used is not a valid address in the City of XXXX, it say 's some one signed for it but was not me and they could not make out the signature, per the court, I was not aware of the issue till I went to get a loan and a Judgement showed up on my XXXX credit files, so on XX/XX/XXXX, I sent a letter to XXXX and followed up with one of the Managers to resolve the matter, the manager understood the issues at hand and stated he would help resolve it, but he found out later that they had sold the account to the Law firm, and his hands was tied, he stated that they forwarded the letter to the Law firm, instead of trying to resolve the matter, XXXX XXXX XXXX, elected to file another lien to the bogus address, now because they where told to stop calling and harassing me, I thought that might be the reason the where not reaching out to resolve the matter, so I sent another letter with the offer to reach out to my counsel, we heard noting, less than 60 days ago, XXXX from there XXXX office ( XXXX ) XXXX at XXXX XXXX stating he was trying to collect this debt, when he told me who he was calling, I stated to him that I sent a stop order to the firm, he stated he did not care and that it was valid, I also told him that service was done to a bogus address, again he stated he did n't care, I told him that he was put his counsel 's law licences in to question he did n't care, I then reached out to XXXX, who want 's to do business with me again to see what they could do, they reconfirmed since they had sold it, they where out of the loop even thought they agreed that if they still had it and I was willing to pay the XXXX amount they would just remove it and clear the item, this firm has hundreds of complaints against them with mutiple states and agencies acrossed the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have used Union Bank of California services for almost 20 years. Most of this time and most of the banking I did on-line. This XX/XX/XXXX all of a sudden many functions of their site stopped working. As usual, I wrote to the customer support. They responded with some general assurances but nothing changed. I contacted them again to no avail. After a few exchanges of the kind they stopped answering. So, I went to the branch I usually work with. They could n't figure out what was going on and referred me to their " Customer Advocacy Group. '' OK, a representative of " the group '' found me and after a considerably long conversation over the phone promised to contact IT department ( finally! ). After another few days they called again and informed me that the site for on-line banking was upgraded and from some moment on supports only windows or XXXX operating systems on the client side. I use linux distributions for many years and for good reasons. Linux OS is fast, stable, reliable, and secure. Linux is not susceptible for viruses and other malware. Why the bank feels entitled to discriminate me and force to switch to OS I really hate? Or should I turn back to paper banking? Why do they do this? What is the big idea? I could not get any answer. I suspect it could be something really fishy like a trust with XXXX which is infamous for that kind of deals. 
PS. I do n't mind my name being published. Actually, I prefer to be named.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
I received a letter from Chase indicating they had overcharged me on interest while I was recalled as a military reservist subject to SCRA protections. They refunded me approximately {$2600.00}. They then filed it as " income '' with the IRS and sent me a XXXX. It was money I had already earned and paid taxes on which they wrongly charged me and then refunded. It was not income. I should not have to pay taxes twice on the same money. I sent them a letter in early XX/XX/XXXX, but they have not responded to my request for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I pulled my credit file XX/XX/XXXX and noticed Target XXXX had reported a charge off on a joint account on my credit file from XX/XX/XXXX. I contacted Target XXXX numerous times by phone and mail. When contacting them by phone I was informed they could not find an account with my social security number and that it would be removed from my credit file. I sent them a certified letter XX/XX/XXXX requesting they remove the account from all XXXX agencies and I also disputed the account with all XXXX credit agencies. The credit agencies responded back stating the account had been verified and it would not be removed. I contacted Target Corporate Office and again was informed that they would remove it from my file to yet it has not been done. I have never had an account with Target XXXX nor have I ever signed to be a joint account holder with anyone on a credit card from this company. I am also filing a complaint with the State Attorney General in Michigan regarding this matter. I am considering retaining legal counsel for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I have an ongoing nightmare with my deceased mother 's co-op in XXXX NY XXXX. Original investor Washington Mutual offered Mom offered Mom a second mortgage totaling {$240000.00} in XXXX, with XXXX as the servicer. This was bought by JP Morgan Chase in XXXX, XXXX when XXXX went out of business for mortgage fraud. My mom was not qualified to fulfill this contract in XXXX when it was approved by JP Morgan Chase and XXXX : she was then XXXX and living on only {$25000.00} a year in social security. Though they do not admit it, there was a law already on the books prohibiting this unfair practice. 
But both the past servicer, XXXX XXXX XXXX, and present servicer, XXXX, as well as XXXX are unwilling to help with either a principal reduction or deed in lieu of foreclosure. The XXXX XXXX XXXX made sure to unload this toxic situation before they faced the {$17.00} XXXX mortgage fraud penalty in XXXX XXXX, obviously so they could avoid helping the consumers in trouble. XXXX coldly declares " it is our policy to not complete a mortgage release on a co-op. '' After she passed away in XXXX, the servicer has scheduled foreclosure twice, cancelling it XXXX times. It is now 'in foreclosure ' again since XXXX, but no sale date is set. I also live on limited income and can not afford to take over the deeply underwater mortgage. 
There was no reasonable expectation they would ever be repaid the loan amount of {$240000.00} due to Mom 's severely limited income, advanced age and lack of assets. They have taken no accountability for loans that should never have been approved. But the creditors hold all the legal cards in the present legal atmosphere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Update as of XX/XX/2017 : Hello..Today is XX/XX/2017 My Checking account by Chase Bank in XXXX California Has Inaccurate Charged and Fee of {$520.00} as XX/XX/2017 told me it was an Over draft fee for a transaction which is Incorrect! I disputed this charge and Still No Resolution. They took my whole Check with I receive from Social Security. I filed a claim XXXX regarding this error plus mistake that Chase Bank made on my checking account and I disagree with their response cornering my claim..Please keep in mind when I 1st Initiate This Dispute and Claim ... My account never was able to withdraw but 1 time Treasury Department and from my Social Security check, Which I have XXXX checks comes in monthly from Social Security and My Payday Loan from online company that I do business with. Chase Bank had my changed only debit card was changed.Basically Checking Account is still The same. Chase Bank stated I went to ATM and did a a transaction..By this it make it seems that I withdraw this particular amount {$480.00} from my account. I withdraw from my new card which Chase Bank deposited into my account from my dispute claim. I never withdraw my XXXX check from Social Security Check only withdraw my XXXX check in amount {$520.00} from my old debit card from Chase bank. This my Complaint with Chase Bank. They Treated me very Unfairly they Took my check on XX/XX/XXXX time XXXX California time zone when I called my Debit Card saying my account was negative {$520.00} and took my money when it posted from my Social Security Check. This is my Living expense income This how I pay for my monthly and This has Caused a me a Hardship crisis. As of XX/XX/XXXX-XX/XX/2017 Chase Bank Claims Department Contacted me her name was XXXX and Left me ... A massage stated they still denied my claim for refund of my money! and I spoke to XXXX on XXXX about XXXX and still claiming there was no erroron There part with My Checking account. I say they are not being honest and covering up for their mistake on my Account ... And took my check. Key point here.. Chase Bank # 1st Never Change my account number When this Issue 1st started with my claim for Social Security check on The XXXX of The Month which postes after midnight but I received myXXXX check # XXXX. Chase replacement debit card only which chase posted days later {$480.00} from The complaint I made to Claims department. On The same account which I complaint about. There focus was ... Its a chip card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Chase markets a " Slate '' card with a no fee balance transfer and 0 % APR for 15 months. This is found via XXXX. Chase 's online application process walks you through steps that include a request for balance transfer. Chase 's process is to bait the consumer with a rate/fee available, to then take information for purposes of a credit check, then to step the consumer through a process of obtaining the card, and only then AFTER the card has been issued, to inform the consumer that they do not in fact qualify for the " premium '' pricing that is marketed for the card. In other words, Chase 's online process does not permit the consumer an option to decide whether to accept the card, given the actual pricing, before the card issues. I called Chase immediately and registered this concern, and they cancelled the account without charge. Nevertheless, this impacts my credit report and is deceptive marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my loan with Chase to a new loan at a XXXX reducing theXXXX year fixed FHA loan to a XXXX year loan. The process went smoothly with the credit union but when XXXX XXXX XXXX XXXX sent the wire to pay off the loan, Chase Mortgage did not communicate with the title company for XXXX days and rejected the wire without anyone knowing. No one called to say we cant pay this off because ... XXXX Now I have XXXX loans and paying interest on XXXX loans. I can not get Chase to help me resolve the matter and title has n't resolved the matter. We are getting late payment notices after they rejected the wire for the loan amount. This is ridiculous and we need something to happen to Chase to make this work.

Company response to consumer: Closed with monetary relief