BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-18
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I contacted Caliber Home Loans last week & asked them to send me a copy of my original mortgage note. Upon my 1st call on XXXX/XXXX/16, I was told that it would take a month to be received. I spoke to my legal council, was told that I was provided false information, & encouraged to call them to escalate the concern. By XXXX/XXXX/16, I had a manager on the phone who tried telling me the same month time frame, but I shared with her the statues & laws they were breaking by not providing me a copy of my mortgage note upon my immediate request. Notes were then made on my account that I would finally receive my mortgage note by tonight ( XXXX/XXXX/16 ). Needless to say, I still did n't receive my info & as such, I escalated my concern with Caliber to XXXX, badge number XXXX, & was told that " no one '' knew why I did n't have my mortgage note by now. He then told me that I could have it faxed to me & in reply I said that the manager from last week told me that Caliber COULD N'T send me a fax -- another company contradiction. XXXX could n't provide an explanation for this & he has yet to send me a fax copy of my mortgage note. 

Caliber Home Loans ' inability to provide me a mortgage note in a timely manner, per their advisements, is negatively impacting my ability to do a refinance on my home. And if I am not able to complete my refinance as scheduled, I intent on holding Caliber responsible, legally & monetarily, to the fullest extent that local, state, & federal laws will allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I requested a Bill Payment from the Wells Fargo Online Bill Pay service to pay a property tax payment with the county. A payment of {$5200.00} was due on XX/XX/XXXX. I scheduled a payment on XX/XX/XXXX for that amount. The county treasurer requires the payment be " postmarked '' by the due date. 

The check was received by the county on XX/XX/XXXX without any mark on the envelope to indicate when it was ordered, issued or mailed ( due to the nature of the bulk mail. Because of this I was charged {$520.00} as a " late fee '' despite having ordered my payment and had it in the post for delivery on XX/XX/XXXX. The county was unwilling to waive this fee due to `` county law '' requiring a  physical postmark. 

When I complained to Wells Fargo that there was no indication, notification or warning about the lack of postmarks on bills mailed through their " Bill Pay '' service, they refused to compensate me in any way or recognize the lack of adequate disclosure in their service. When I asked where this information was conferred to the customer, they referenced their Online Access agreement, which was no less than 7 clicks away ( outside of the BillPay application itself, listed under " Customer Support '', not under the Privacy/Security/Legal link on the bottom of the page ). Deep within another subsection and heading, finally in the bowels of hundreds of pages of fine print, there is an obscure reference to the reliability of postmarks amongst XXXX clauses to help XXXX the consumer over in multiple different exception scenarios. 

No normal human would ever find this information in the normal flow of paying a bill, let alone in the process of opening an account. No notification was given, no guaranteed delivery date offered, and after multiple conversations with the bank and the county office, it became evident that the county office was receiving payments in a single envelope that had been issued across multiple days of customer requests in the Bill Pay system ( the result of a bulk mail vendor relationship the bank uses to cut costs ). 

This is completely unacceptable. Human readable, discoverable and relevant information needs to be provided to a consumer when they are accessing services designed to " pay bills '' the same as when they are borrowing money. In reading through the agreement it is evident that the fine print is intended to completely absolve the bank of any liability for actually paying bills, and rather to allow for every possible exception to the expectation that they actually reliably deliver the service they advertise. 

I want my {$520.00} back.

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 2016-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is reporting false and misrepresenting a loan they 're servicing that was transferred from Bank of America Home Loan servicing. 

On XXXX XXXX, XXXX, Bank of America responded to an XXXX reinvestigation and has indicated Loan number XXXX has XXXX balances, paid in full, no historical data past XXXX and closed on XXXX XXXX. 

XXXX Mortgage information should reflect the same data as Bank of America 's to start. 

There has been no activity on the account since the transfer to XXXX ( ie no payments, no agreements ).

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 2022-06-01
Company: JPMORGAN CHASE & CO.
State: CA
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:
I noticed someone was withdrawaling cash from an ATM In XXXX XXXX from my account over a 3 month period. I called My bank Chase to let them know and they said they would investigate the matter. They also rembursted me for all 6 charges. Then soon after about XXXX to 4 days they took the money back leaving me without a penny and without a reason at all. I'm on disability so what I had in there was all I had. So I called and they informed me that I was denied because I lost my credit card and wrote the pin on the back of the card. All lies! I have the credit card it was never lost nor am I stupid enough to write the pin on the card. I tried and tried to tell them I didn't do it. I know they didn't investigate because it's an ATM with cameras!? It would show it wasn't me. And I have not been to XXXX XXXX in 8 yrs. I explained I'm a XXXX patient and on disability and that I needed my money. They could care less. It's so frustrating. Dates XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX total XXXX not including late charges, all from an ATM at XXXX XXXX XXXX XXXX CA. XXXX did not even try to help me, they basically called me a liar and lied to me why I was denied. Someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am not sure what this company is pulling. I started having problem with Fay Servicing early this year when a creditor that came back from 20 years ago went to my bank account and withdrew around {$3000.00}. It cost my online payment with Fay to dysfunction. I just don't understand why these banks will sell their mortgage to another company without regards to the mortgage holder. XXXX XXXX XXXX   would have worked better with me under this current situation. Anyway,  I tried to come-up with the money to catch-up with payments to no avail. This was when the covid-19 issue surfaced and I stopped working because I was taking care of my wife- who is going through XXXX, and my elder-mom who is going through XXXX. I tried to work it out with Fay and they promised to help me re-modify my mortgage terms to the best that will fit my situation. However, Fay asked me to submit some information, which I did. Fay later found-out that I am XXXX, and sent me a letter telling me that I did not qualify for any option that is alternative to foreclosure. Firstly, FAY had sent me an appraisal of the property. In other words, they were asking me to sell. I don't want to sell my only home of 20 years. What about the CARE ACT- covid-19 federal government help? There was no mention of  such option. This company wants my property because they believe it will make them money. For Christ sake, I have a family who depend on me in these disastrous period, but a company like FAY will choose such time to come-up with highly strenuous decision without working with the federal government to help the American people. FAY is citing my income ( not sure if it is the unemployment income or my original income ) as the reasons behind my not qualifying for ( a ) repayment plan, ( b ) deferment, or ( c ) service modification. It was the income from my original job that had helped me sustained my past mortgage payments. So, what happened now? I still can go back to the old job when this covid-19 issues subsides. I bet FAY did not even consider any other option because of the determination to sell my house for their selfish gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Trans Union refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Trans Union, but Trans Union refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.

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 2023-01-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
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:
To Whom it may concern i have since correspondence to this innaccurate account on my credit report and the the collection agency has yet to respond with the proper documentation requested. I sent my first request XX/XX/2022 and have yet to get this resolved. The alleged amount owed is 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 2022-05-21
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 Citi made a hard inquiry without my authorization. I am in the process of buying a home and the last thing I would want is a hard inquiry on my credit that I did not authorize

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 2021-02-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello there, I had a credit line of {$5000.00} and I called in to get permission to get approved for a large purchase and Chase said you can shop with confidence as we no longer request a heads up for large purchases. 

My card was declined and I was sent an email stating Chase lowered my credit from {$5000.00} to {$1000.00}?!? 

Whats happening?! Ive never been late!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Fidelity National Financial, Inc
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The title company that handled a refinancing on my property was Fidelity. The Deed of Trust has a recording issue because it was forged and is void. A claim was filed against the title insurance by someone. Fidelity is being evasive by surpressing information. I trying to shed light on the situation by getting a copy of the claim. Fidelity is only turning over the policy initiation documents from XXXX and not the claim documentation from XXXX. What are your suggestions? What government agency governs Title Companies? 


Sent from XXXX Mail for XXXX -- -- Begin Forwarded Message -- -- From : XXXXXXXXXXXX : XX/XX/XXXX, XXXXTo : XXXX XXXXSubject : RE : subpoenaMorning XXXX XXXX, I sympathize with your request but, we have sent you everything that we have on this matter ( see enclosed ). We may not have handled the claim aspect you are interested in. Reserving us will be a waste of effort and we may send you the exact same material. I see other vendors involved on this matter. I suggest that you check with the banks, or XXXX Escrow Company on this matter. Perhaps if you go through the docs, see who else was involved, and serve them. 
Best of luck, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-05-21
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They are reporting unauthorized transactions on my credit report that is not authorized by me.

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 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On my Kohls credit card account, I dont get emailed statements or mailed statements from them. I This caused me to miss a payment. After my payment was missed, they never contacted me until after my payment was over 30 days late. As soon as they contacted me, I paid off the outstanding balance in full. I believe this is a XXXX issue. They reported my late payment to the credit bureaus. I asked them to remove the late payment and they declined. I filed a dispute with the credit bureau and they rejected it. I believe their report should be removed due to the lack of sending a statement and failure to contact me until after it was 30 days late. This {$34.00} bill being late caused my credit score to drop XXXX XXXXOINTS!! I have also had a Kohls credit card for years and never made a late payment before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: LOAN TO LEARN
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My loan with Educap/Loan to Learn was paid in full in a Chapter XXXX bankruptcy. Subsequently thereafter, on or about XXXX XXXX, I received a delinquency letter in the mail from XXXX XXXX regarding a past due amount on the Loan to Learn/EduCap loan which I thought was paid off in the BK ( I am a cosigner ). The next day, I called XXXX and was told if I didnt make a payment that day, they would report me to the credit bureaus. Knowing how hard it is to remove something from your credit report, I went ahead and paid the past due amount. Luckily, I was able to request a 3 month forbearance thereafter in order to figure out why this loan still has a balance. Since that time, Ive been trying to request loan documents and payment history to no avail. You cant even call the original loan servicer, Loan to Learn/EduCap. They only have a mailing address and email listed on their website. I was told by a manager at XXXX that XXXX doesnt retain copies of correspondence mailed out. However, she said she would request a copy of the full payment history of the loan as well as the letter advising the loan was now being serviced by XXXX. I have yet to receive these documents and that was over a month ago. The only documents Ive received are attached. They say nothing about the relationship between XXXX and Loan to Learn/EduCap. I 've made repeated phone calls following up on the documents but they keep telling me they 're being reviewed. They will not provide me any information for people to contact at Loan to  Learn/EduCap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
sheriff of XXXX county shows up at my door saying I have a judgement against me, from 2012, i had received paperwork in the mail and called the law firm in 2012. he asks me if i can pay, XXXX, i say, no, do you have anything i can sell, like what, no. i call the law firm again, I sent paperwork to them 4 yrs ago, info on my income ssd, XXXX per month, yet the harassment continues. I 'm worried about my husband 's bank account, because Sherriff says they can get into. what can they do to me????

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 2022-05-21
Company: Experian Information Solutions Inc.
State: TX
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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX / XXXX CREDITOR : XXXX XXXX XXXX  DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX / XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2017-11-22
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: Their investigation did not fix an error on your report

Complaint:
Equifax reports twice that I owe a medical debt through XXXX XXXX XXXX for {$370.00}. I have asked for proof that I owe the debt but they refuse to update or remove it when I disputed it twice. I called the reporting agency and they could n't provide proof of a bill and still refuse to remove it. 

Equifax not only refuses to remove it they reported it twice on my report and ignored my dispute of the issue. 

The issue is they list twice on XXXX XXXX, 2016 a debt listed by XXXX XXXX XXXX. I asked for a bill and also to remove the double reporting of the issue. Equifax just ignored my dispute and continued reporting it without actually taking action on the dispute information I provided. They ignored me and did n't even act on the information I provided them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Reporting missed payments on my credit report when I was in deferment. Their website has no options for me to resolve this issue with them since my loans are now paid in full. Also, I was charged late fees and interest on the late fees when I do n't believe I should have been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Condo was returned to BofA in Chapter XXXX BK discharged XXXX XXXX, 2013. XXXX XXXX bought a pachage of properties from BofA has has been sending collection letters, phone calls and refuses to tell XXXX County Assessor that the condo is NOT owned by me

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 2016-11-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I 've been enrolled in autopay for years in order to benefit from the .25 % reduction in the interest rate on my account. I am about to close my current bank account, and have already opened a new one - I tried to enroll my new bank account as my autopay account BEFORE cancelling my old autopay account on Navient 's website. That did n't work, so I called them around XXXX on Monday, XX/XX/XXXX and spoke to a woman named XXXX. She cancelled my autopay and said I have to login in 24-48 hours to re-enroll in autopay with my new account, and that this month I will pay the extra .25 % in interest because I am not enrolled in autopay. I do not feel I should have to pay an extra .25 % because their system is set up to NOT allow a seamless transition. I am prepared to immediately have a new account enrolled in autopay - but their system is not. They should not penalize me because their system is set up poorly. In fact, I am sure they do this in purpose to take more money from people. This should not be legal, if in fact it is. 
Additionally - if I should have waited until after my next autopay to cancel my current autopay account - the rep should have advised me to wait rather than cancelling my autopay.

Company response to consumer: Closed with monetary relief