BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-14
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home is scheduled for sherrifs sale XXXX XXXX, XXXX. I have been asking every since I got the " according to our records '' letter from Caliber home loans for some sort of proof that they own the loan. I have most recently asked for a copy of the note and have not, as of yet, received it. When I have asked ( and I have asked multiple times ) why it is not yet registered with land records that Caliber now owns the loan, I was told it was submitted on XXXX XXXX, XXXX and is pending. Not only until I questioned this and contacted land records myself, so I get the response from them, oops, sorry, that was wrong. I have downloaded, from the sherrifs sale site that XXXX owns the the loan. It was submitted XXXX XXXX, XXXX and filed XXXX XXXX, XXXX. How can Caliber sell my home if they are NOT the owner of the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I signed a contract for alarm service through XXXX, via their contracting company XXXX XXXX XXXX XXXX XXXX, in the contract, it simply stated a credit bureau would be ran. For clarification I asked the representative XXXX XXXX if it was a soft or hard inquiry & he assured me it was soft. The company then messed up on all kinds of things including the running of my credit. They ran my credit on XXXX/XXXX/16 & XXXX/XXXX/16 ( 2 days after the first time ). I contacted my rep XXXX XXXX again & told him they ran it twice and it was a hard inquiry not a soft as her assured me. He apologized and said he woudl try to get it straightened out. This was all via text on XXXX/XXXX/2016. Nothing was done. I spoke to XXXX at XXXX approximately 3 weeks ago, and was told she requested a deletion of the inquiry from XXXX but they will only remove XXXX inquiry not XXXX. I pulled my credit again today & XXXX inquiries are on there. 
I believe that it is only fair that XXXX inquiries should be removed, as I was given false information by XXXX 's authorized provider XXXX. I never would have agreed to the contract if I was told it would be a hard inquiry. The company should be accountable for the information their employees provided me and the inquiries should be removed from my credit. The XXXX inquiries dropped my score XXXX points on Equifax. The damage to my score is not my fault and they should be removed as I was deceived by the company 's representative. I have all the texts should the company like to see them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: California Business Bureau, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My doctors office is charging me for a lab report that I never got the results of. I called the office and asked for official written results of lab but they sent it to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed several accounts, several times with Experian and they keep showing it as verified or remains. I have contacted the creditors directly several times for information regarding these alleged debts and they have been unable to provide me with anything to prove these are my debts or they completely ignore my requests entirely. 

XXXX 
XXXX 
XXXX 

I am requesting information on how Experian conducted their investigation into my previous dispute ( s ).

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 2017-01-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have a collection acct reporting on my Experian credit report. The collection is listed as XXXX XXXX. 

I have not received any letter confirming this debt is valid, or belongs to me. Further more, the date of this account is listed as being opened XX/XX/XXXX. Experian shows that this account was last updated XX/XX/XXXX. How was an account updated before it was opened? I do not acknowledge this as valid debt belonging to myself, and the innacuriaces of information contained justify the removal of this item from my credit report.

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 2016-08-22
Company: Receivables Management Partners, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted by a doctor 's office and now a bill collector for collection of a " missed appointment '' fee that is not mine. I called the doctor 's office and sent them a letter XX/XX/XXXX to tell them that they have made an error. The bills kept coming. Now the bill has been handed to a collection agency. My daughter ( who is taking care of my bills while i live out of the country ) contacted the collection agency to dispute the claim and demand proof that i made this appointment, however they returned a copy of the bill as " proof ''. This is NOT proof of anything. I stopped using this doctor in XX/XX/XXXX after they wanted to order unnecessary tests. I have also moved from the US and now live in XXXX with my husband. I only come back to the USA in XX/XX/XXXX and XX/XX/XXXX which is when i make my doctor 's appointments. The appointment in question was from XX/XX/XXXX or XX/XX/XXXX. Further, i have had another doctor who i am happy with and have no reason to need to use my ex doctor 's services. Obviously the doctors office made an error when booking this appointment and expect me to pay for it, which i will not. The original fee for this " missed appointment '' was {$25.00} and now ballooned to {$27.00} due to added interest. I just want them to either prove to me that i actually made this appointment ( do they have " my call '' recorded? ) or STOP harassing me for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX 2015 I remedied a judgement by paying the satisfying amount. I read all disclosures and signed all appropriate documents and the process went smoothly so I thought. I went to my local court house to check if the judgement was indeed satisfied and they confirmed it was. Several month later I noticed on XXXX XXXX a delinquent derogatory report, I desputed this and XXXX XXXX confirmed it was resolved. 2 months later, my wife and I apply for a loan to improve our house and we are denied the low APR rate because of this judgement that I resolved almost a year ago. I feel penalized and treated unfairly. I have been told false information by XXXX XXXX of this being resolved, when it has n't been and again feel I am being held back on an opportunity for a lower rate on a loan that I would qualify seeing this was appropriately remedied!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I would like to dispute XXXX regarding a XXXX account. Previously, I reported this information to all XXXX credit bureaus and it was removed. Now it is back on my credit report again as a collections account from XXXX XXXX. SO I would like this item removed again from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08
Company: Direct Capital
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I think the debt is too old. It occured in 2011.The payday loan was XXXX XXXX Armands XXXX XXXX I do n't recall if I pay them. They sold this debt to a collection agency called Direct Capital Associates.XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. 
They call me numerous times a day. They called relatives I did not give permission for them to call. My mother, brother and sister-in law. They threatened me to my family telling them I am going to court and going to prison. This has caused me so many problems and I have XXXX. I am so upset and ca n't handle this. 

Please do yourself a favor and learn from me. Please do not take out payday loans. They are expensive and the companies will torment you, by calling continuously, even before it is time to pay. I truly believe they should be outlawed. I know people need money. Please try to learn strategies on managing money. This has been a big lesson for me. I do n't care if I have to do with out food, I would never do this again. This was in 2011 and I thought I paid them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2017-03-21
Company: Atlantic Credit & Finance, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX at Atlantic credit and finance threatened to send our account lawyer if we did n't make a payment today or set up an payment agreement and then wanted our debit card and account information. She would not allow us to send payment via money order or checks and keep threatening us with lawyers

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 2016-01-12
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
( copied from my letter to Experian ) XXXX Attn : Customer Care XXXX, TX XXXX Dear Experian, Well that was sneaky. You know I 'm after my FICO credit score and a credit report, so you lead me down a path on your website promising a free credit report. Once you have my personal info you inform me that it costs {$1.00} to report the FICO score, which seems reasonable so I enter my credit card info and press OK ... 

... not reading the small print two paragraphs below which says that in fact I was signing up for a $ XXXX recurring charge. 

I 'm sure you can cite letter of the law that nothing is amiss, but this is clearly meant to trick people into a recurring charge. What I and I 'm sure 90 % of your customers want is a one time credit report. The transaction as presented seems like I am paying {$1.00} for a simple credit report. It would be a more uncommon thing for someone to want a continuous and relatively expensive monitoring of their account. 

A monitoring service is a separate product from seeking a credit report, and should be sold as such. You should not have to sign up for a {$260.00} per year service just to see a one time credit report. 

Experian is in a uniquely powerful position in the financial industry. You are in the business of gathering personal information and making judgements on credit worthiness. To offer a credit report service that borders on a scam is troublesome. 

I would appreciate a refund of the {$21.00} charge that was made to my credit card, which you have kept on file. Thank you.

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 monetary relief
Consumer complaint received 2016-12-16
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of AFNI debt and I would like it removed as it 's reporting to the XXXX and negatively affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: AFNI 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 is not mine

Complaint:
Have sent letters to collection company stating this account is not mine send a copy of a signed contract. Collection company has failed to respond to my letters in the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I learned from a recent credit report that AFNI is showing as a collection account and is trying to collect a debt in the amount of {$150.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: AFNI INC.
State: MN
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:
There was never any money owed to XXXX.. The collection agency has false information and will not work with me to try to resolve. They reported to the credit bureau and will not try to resolve or work with me on any of my attempts. its only {$220.00}. i offered to pay the amount just to get it off my credit. But they still will not make an effort to remove their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting fake debt collection agency calls from phone numbers that do not ring to businesses. These numbers have been reported by many people as scam artists harrassing them for debts never incurrec. XXXX and XXXX are XXXX of them calling. This just started after I dropped XXXX of my XXXX XXXX XXXX XXXX services, which I pay every month. There is no adverse report on my credit report. I am not past due on anything. Stop these scam artists.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
In response to CFPB complaint XXXX Experian states they investigated fraudulent account on my credit report, only the result is even more errors on my credit report. 

1. Experian has been sent multiple times a copy of the Identity Theft affidavit from XXXX and has refused to act on it, this is a total disregard for their legal obligations under the California Fair Credit Reporting Act. XXXX and XXXX complied immediately, it is only Experian that refuses. I have again sent a copy of the affidavit and demand the fraudulent accounts be removed. 
2. As a result of their investigation Experian removed XXXX BANK XXXX XXXX and XXXX BANK XXXX XXXX accounts from my credit report XXXX which they mailed me. A week later I received a credit monitoring fraud alert, and XXXX these account have been re-inserted into my Experian credit report. It is extremely deceitful to remove these accounts from the report that I was sent and then immediately re-insert them, in addition I received no notification of re-insertion which is a violation of the FCRA. I demand these account be removed. 
3. As a result of their " investigation '' Experian updated XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accounts to show bogus payments made in XXXX. Experian lists these accounts as Charged Off in XXXX, payments are not possible. Adding these false payments in an attempt to Re-age these accounts is a violation of FCRA and XXXX, Experian is required to report accurate information, I demand these accounts be deleted. 
4. As a result of their " investigation '' Experian updated XXXX BANK XXXX account to show 180 days late in XXXX of XXXX, when it also show Charged off in XXXX of XXXX. An attempt to Re-age these accounts is a violation of FCRA and XXXX, Experian is required to report accurate information, I demand these accounts be deleted. 
5. Experian continues to report address information that does not belong to me even after notifying them of previous identity theft. Experian is required to provide accurate information, by allowing this bogus address information to remain on my report they are increasing my risk for further fraudulent accounts, I demand they be removed. 

I have been trying to get this resolved for three years now, all other credit bureaus were willing to help, Experian refuses to comply with the law. 
I ca n't even refinance my mortgage because of Experian, I just want to get on with my life, if legal action for violations of the FCRA is the only way to motivate Experian to comply with the law then that will be my next step.

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 2016-04-11
Company: M&T BANK CORPORATION
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 resulted from identity theft

Complaint:
My M & T Bank check card has had several security breaches in the past year. I had several foreign and out of state parties steal my check card number to make online purchases. I contacted my bank to report the transactions as fraudulent. One of the purchases appeared to be for this company XXXX and XXXX internet AG. There were several months of charges from this company made by this fraudulent individual ( s ). I contacted my bank as soon as I realized the fraud occurred. M & T bank replaced my card and resolved many of the charges. However, XXXX and XXXX com did not cease the fraudulent action. I contacted them directly to advise that this was fraud and to cease billing me. I asked them to tell me what the service was form what name was used to open the account etc. They refused to verify the debt with me and they refused to refund my money. I explained again that I dispute the charges and they are fraudulent and they refuse to cease collection. They now call my cell phone, a number that they never had until I called them. And they are even sending collection notices to my place of work -- -an address that I never provided to them. My name is not affiliated with my work address at all and my work address can in no way be construed as a residence. The company is willfully skipping my place of employment and disclosing my debt to my employer by sending collection notices to my place of work. They have refused my request to verify the debt and they have been advised that this is disputed and fraudulent debt. I am at a loss for how to make this company cease and desist their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: M&T BANK CORPORATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
2 years ago I went to M & T bank to open a Bank deposit box -- I was told at that time I had to open a checking account to have the box. I disputed it but they insisted- we signed the basic paper work and since I need the box to store valuables belonging to my son while he was in XXXX I agreed. I started to wonder why I was getting charges greater than the cost of the XXXX XXXX XXXX When I accumulated the records I took it to the office and they told me it was a combination of insurance fees and late penalties-even though I paid for the box usually XXXX4 months in advance at the $ XXXX cost. I told them I never buy insurance but they insisted I did- I requested they show me the documents- they said they did n't have them and stalled so I reported it to the state XXXX office- all of a sudden they produced a document that had my initials stating I agreed to the insurance. I did n't but it was XXXX of those just initial here and here and here- and I did n't read the documents so I blamed myself for not being more careful, but I said I should n't have been charge late fees because the took the insurance payment out of my checking account and then my payment was short about XXXX or XXXX dollars causing what I assessed at approx. XXXX {$90.00} over all. I requested a refund and forwarded it to the XXXX 's office -- the bank eventually sent me a letter reiterating the information I already had-and basically said- this was the reply, have a nice day- notify our customer service dept if you have any issues. I replied that the initial complaint was to the customer service dept and that the letter was inadequate because all it did was state I had a box and resolved the insurance issue. However they did n't address the fact that I was lied to about having to have a credit account and that there were any late fees- No fee information was given to this date. I responded to the Banking industry and XXXX office again- but to date nothing and I believe they just logged it away. I am located in XXXX- the bank has its main office in XXXX so XXXX would do nothing- and XXXX just placated me with a 'have a nice day '' letter- Never did they address the failure to inform issue or the fees that I requested to be refunded. So unresolved issues are Denial of failure to disclose- unpublished fees for late payments- what constitutes a late payment and confirmation information of insurance that I had no idea I had, plus the fees that were charged that were never reimbursed

Company response to consumer: Closed with explanation