BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-16
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have XXXX concerns with the mortgage servicer, Caliber Home Loans:1 ) I was provided an annual escrow disclosure statement by Caliber Home Loans and notified that my shortage was {$92.00} on XXXX XXXX, XX/XX/2015. I paid the mortgage shortage amount in its entirety ( {$92.00} ) and the funds were posted on XXXX XXXX, XX/XX/2015, but listed on my XXXX statement as " single item receipt. '' I contacted the servicer to determine whether the payment was misapplied and why the monies I sent were not applied to the escrow shortage as directed on my check, and informed that they would counduct a new escrow analysis on my account. In the meantime, my new statements reflect the increased amount of $ XXXX/month from {$710.00} ( prior to the escrow shortage statement ) which includes an escrow adjustment amount of $ XXXX/month which should have been satisfied with the escrow shortage payment. 
2 ) I inquired with Caliber Home Lans whether my account was eligible for cancellation of the private mortgage insurance on this account. I faxed a letter on XXXX XXXX, XX/XX/2015 to an address and phone number supplied by the customer service representative : Caliber Home Loans, Attn : PMI Department, XXXX XXXX XXXX, XXXX, TX XXXX and fax number, XXXX. I contacted Caliber Home Loans again on XXXX XXXX, XX/XX/2015 and spoke with XXXX ( ID # XXXX ) who indicated that my request was received on XXXX XXXXXX/XX/2015. Based on my payment history ( no late payments ) and length of my mortgage, he confirmed that I qualify for cancellation/termination of private mortgage insurance ( PMI ). To date, I have not received a written acknowledgment from Caliber Home Loans of my request for cancellation, or instructions on next steps. A review of my statements, however, show that I 'm paying approximately $ XXXX/month in private mortage insurance. I would prefer that those monies immediately be applied to the principal of my loan, and not to a financial instrument that I 'm not required to have, or desire to have any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Aqua Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Aqua finance, XXXX and there investment banks are harassing my family again. The harassment had lessened for a while but recently on XXXX/XXXX/15 Monday the harassment started up again! These companies are being protected that 's why it 's so hard to bring them to justice. It 's a lot of money being passed around. Monday 's date has a major significance to our harassment case and for those families that have been victimized by these companies. I think your office knows what we are referring to, nobody is above the law and we 're glad our U.S. Government is cracking down on these crooked companies and politicians! Back to the harassment on XXXX/XXXX/15 in the back parking lot of XXXX XXXX on XXXX 1 of there stooges was literally stalking me his plate number is XXXX XXXX. While I was waiting to p/u my client he pulled up next to me and just watched me clearly trying provoke me. When I left for a minute, he left too and when I came back so did he. The only difference was he parked right behind me. When I started to back up to leave and p/u my client, there stooge backed up extremely fast at the same time clearly tried to wreck our car. If had succeeded I would not have been able to work! That was obviously there plan and they have been committing these types of harassment tactics ever since. These companies conducted these types of felony harassment tactics a few yrs ago and we relayed these acts to the Texas attorney generals office in our complaint letters. On today Thursday XXXX/XXXX/15 I was trying to type up a new complaint update and print it out to be mailed to your office and literally watched my email get deleted right before my eyes. All our complaints have been deleted and that 's why I 'm trying to go through your site again. The last XXXX times that I tried to submit a complaint through your site, I typed up a full complaint and got all the way to the end only to have my complaint blocked! We will not abandon our home and will not be forced to abandon our home. We will protect ourselves by any and all means! If and when our case goes to court, we will get all forms of media involved and that includes everybody that will listen! If your dept checks the camera at that XXXX XXXX back parking lot, you will there stooges come within a hairs length of hitting our car and they have been doing so everyday! We appreciate all your departments help but we wo n't stop until these companies are brought to justice!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had auto pay set up on my Citi bank card. The set amount of XXXX which was the min payment set to be taken out of my checking account on each month on the due date on the XXXX of every month and for the month when the problem started with was for the month of XX/XX/XXXX. My min set amount due to taken out with my account set on auto pay was {$290.00} then on XXXX another withdraw was taken from my account in the unauthorized amount of {$1100.00} that was never approved. I did reach out to the CC company and they told me it could take up to 2 weeks to refund the money. The money was never refunded so I reached out to my bank to dispute the withdraw. My bank determined that the payment wasn't processed based on the terms under my card agreement and Citi bank returned the amount of {$1100.00} XX/XX/XXXX. My CC account was also current before the due date for the month of XXXX. I have not used this card for any purchases for months. In the process of getting the money returned to my checking account, Citi bank then lowered my credit limit down below the the amount I owed and is now telling me I am late making payments and harassing me to make a payment. I still have cont. to make my payments on time and still have not used my card to make any transaction. I have reached out to Citi bank requesting that they put my credit limit back to where it was so I wouldn't be over my limit now and they have refused. I was current and have cont to make my min payment on the due and now have received a late fee of {$40.00} on XX/XX/XXXX. I made my payment on time for XXXX for the min. due and then again another payment on XX/XX/XXXX for the amount of {$210.00} and then another payment on my due date of XXXX for the amount of XXXX. This has all started from them taking an unauthorized payment from my account and now I am {$640.00} over the limit and they are cont to add late fee 's for an account that I have been current on and can't get a straight answer from anyone in customer service. They denied my credit limit increase.

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 2016-05-05
Company: North American Credit Services
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a charge of {$69.00} placed on my credit report by a collection agency from XXXX from XXXX XXXX XXXX. At that time I worked for the hospital and was covered through the hospitals insurance XXXX. I had a copay which I paid each apt prior to receiving any services. I have contacted this collection agency because this is truly an error and it is affecting my credit at a critical time. The credit agency refuses to remove the from my credit file I contacted both XXXX of XXXX which has been taken over by XXXX XXXX and was told I have no balance nor were any debts sent to a collection agency. XXXX XXXX directed me to their physicians billing at XXXX that also told me I owe no money and there was no collection activity against me. Something similar happened a few months ago were XXXX XXXX sent a bill to my old address for payment of over {$700.00} which was not due. At that time I contacted XXXX XXXX who looked into the matter and it was corrected. Please help me resolve this I am attempting to apply for student loans for my daughter and this is hindering the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to lift a security freeze on my credit report with Experian numerous times both online, by phone, and via mail and I never am able to have the freeze removed. There is no person to speak with by phone and the company never correspondence concerning the matter. This causes much duress in attempting to transact when all  XXXX  bureaus are needed for a 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 2021-07-10
Company: Experian Information Solutions Inc.
State: NC
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:
My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. After submitting request to Experian the FRAUD information is still on 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 2021-07-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent XXXX  severs letters asking for verification of the accounts. XXXX XXXX is updating accounts without properly investigation. I am not aware of any of the accounts reporting, therefore they need to all be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I XXXX and am on a XXXX month contract. I was crunched with fewer XXXX classes and tried to contact Citimortgage about any type of help I could get within their system. 

After a XXXX month process of speaking to multiple Citimortgage representatives and receiving different answers and interpretations about the same procedures ( possible outcomes and the best timing for initiating which procedures ), I have come here to complain. 

I have two problems with the system currently in place at Citimortgage. 

1. It is reactive rather than proactive. Apparently, the bank will refuse to help unless the customer falls behind and skirts the edge of default ( but paradoxically will not offer a deferment of payment until AFTER the situation has been resolved ). I tried to do the responsible thing and contact them before the issue became a problem of my not being able to pay. 

2. The Citimortgage associates to whom I spoke each had different understandings and misconceptions about what I was trying to do, why I was trying to do it, and how I should go about handling my particular situation. Though I understand that they must follow company policy, each of the representatives should have had the same understanding of how that policy was to be implemented. After having spoken to XXXX different individuals over the course of two months and received multiple possible answers to the same questions, I am EXTREMELY frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XX/XX/2014 I made a {$10000.00} lump sum payment towards my student loans. When I made this payment, I indicated, online, that this would be applied to all loans. Instead, the payment was only applied to XXXX loan, and the rest went into delinquency. 

When I was contacted ( after accounts were put into default status ), I explained my situation and the representative reapplied my payment to cover all loans and bring my account up to date. 

When I saw these missed payments reflected on my credit score, I tried many times to get them removed. I still have these missed payments on my credit score, and it is a massive impact to my score and my life. 

In light of the new federal lawsuit against XXXX, in which XXXX of the allegations is XXXX misapplied payments and another is XXXX misreported missed payments to the credit beuraus, I believe my loan servicer, FedLoan Servicing, is guilty of the same thing with my account. 

I want the missed payments removed from my credit score. I also believe FedLoan Servicing cost me in terms of interest and fees by misapplying my {$10000.00} payment in XX/XX/2014 and was negligent in fixing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Shellpoint Partners, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
you are engaging in identity theft, and you are engaged in illegal debt collection action, both actions have been reported to the federal government, the federal trade commission and CFPB, and you are to cease and desist, terminate any and all collection actions and transferring to third parties anything that is my personal information, further. Until you contact me with the proper sworn information or contact the government regarding the pending cases. You are in violation of federal, criminal and civil law, so act accordingly. Please reference that a new updated deed has been recorded, do not interfere with any property rights further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX collections on my credit report and a number of charge offs. I 'm fully aware of my lack of responsibility when I was younger. I 'd originally consolidated my debt through a company that is no longer in business due to bankruptcy " XXXX '' and I was unaware of their bankruptcy until I was harassed by debt collectors which in every right they did have the right right to do so because I was fully aware of my debts. However, I was trying to be responsible in consolidating all debts and paying back as much as I could. Now let 's fast forward almost seven years later since my initial irresponsible I did manage to pay some of the debt in full and or settled for a specified amount. As it feels great to have this behind me grant I am not proud of what I did in getting into debt I 've learned so much from this mistake that now at my age where I have clarity and know what I want out of life I 've managed to establish responsibility as an adult. However, now that I am taking my credit worthiness seriously I managed to run my own credit report through Experian to determine where I am at credit wise? I 'm very glad I did because within the report I noticed all my old irresponsible debt still haunting me and looking at the age of these accounts I did some research and noticed that creditors or credit collectors should of stopped negatively reporting on these accounts if they were settled. XXXX of my accounts from XXXX XXXX show " Collections '' however, I settled with a credit collector for the same accounts and that creditor shows " Charge-off '' On my XXXX report there is a discrepancy for a XXXX XXXX XXXX account where the account status shows " Open '' but on my transunion report it shows status as " Closed '' which is accurate because the specified amount was paid in full. Now I am not looking for an easy way out of my past its just that I want to move forward with my life and be able to purchase a home some time in the near future and I want to do whatever is necessary to get my concerns with my credit report addressed. I know this is my initial step in the right direction in getting my credit score back up even if its by a few points I want to know what are my options at this point in time? We all make mistakes and I 've learned from them in many ways.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I worked for a company called XXXX XXXX XXXX. The owner of the company, which is not me, applied for and received an XXXX payment corporate account that gave the office a credit card swipe machine for taking payments. The owner died and I took charge of closing the business for the surviving spouse. It came to my attention that one of the owners family members was swiping their personal credit card and then transferring the funds to her personal bank account. This family member then began to claim fraud on every credit card she had and XXXX payment issued her a refund. I complained to XXXX and showed them the proof. They did not care who did it and since my name was now on the account since I was the one put in charge to finish up unfinished business and close it 's doors, They claim I am responsible, I did not sign any agreement with them nor did the company use me as a personal guarantor. I submitted a letter to Experian giving them the proof I sent to Experian and asked them to validate this account or to remove it from my credit report. They validated the account and sent me a letter dated XX/XX/2016. Since I know they are in error, I sent them the attached letter on XX/XX/2016 asking for Method of Verification as required by the Fair Credit Reporting Act Section 611 ( a ) ( 6 ) ( 7 ) or to remove this account from my credit report. They have not responded to my letter and they have not removed this account 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 2021-07-10
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted transunion because i had a collection that should not have been on there XXXX. XXXX was XXXX and the other XXXX. XXXX had supposedly sold the account to XXXX. I contacted XXXX regarding this hoping to pay for delete as i am trying to fix my credit they told me they couldnt as it was sold to another company. I was able to sign in to my account on XXXX and they are still requesting payment. I have documentation showing my account and request for payment from XXXX. I requested transunion remove due to i have XXXX collections on same account and XXXX still remains. If it was sold my sign in account should be closed no longer requesting payment. Please help me remove this item.

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 2023-02-02
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/23 received another late payment in my XXXX XXXX on a situation of fraudulent activities on XXXX account ending in XXXX XX/XX/23 called Barclays and they claimed account is closed and at XXXX balance they have no explanation on to why and receiving letters and late payment. I have another XXXX point in late paying I will like to be erased from my credit score. This is making my score go down XXXX points all points where clear in 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