BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for refinance for {$150000.00} on my Current Home " XXXX XXXX XXXX XXXX FL XXXX ''. With cash out I want to buy another home with down Payment of 50 %. Down payment I have in my account amounting about {$150000.00}. With the consent of Loan officer I asked for refinance, though refinance is not allowed to buy another property. Due to one or the other reason underwriting came to know that I am buying another property. They asked me to submit the purchase agreement for new property which I signed on that day and submitted. I submitted all my XXXX statements showing that funds came from XXXX " sale proceeds of XXXX property " proceeds were in form of XXXX /XXXX deposits because under exchange control regulation you can not remit beyond a certain limit. I submitted all wires. I received Close out date, hud, and al that is needed under the law. I signed all documents. Then they started to ask me source of deposits. I did not go to XXXX myself for close out. I send a power of attorney ( submitted to bank ) to my brother who was a buyer. Two days ago I received declined with reason " we can not verify the Residence '' I do not agree with it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This issue began last year,XX/XX/XXXX around this same time. I got into some financial troubles so fell behind on payments however each time I was contacted ( at this time only once per month ) I spoke with the rep and expressed my desire to NOT have the credit line closed and that I would make payments to catch up. Fast forward to XX/XX/XXXX, I made a {$300.00} payment towards a {$580.00} balance, it was only AFTER the payment was submitted and my credit report updated did that company then state the account was closed by consumer and they would not reopen, Ever since making that payment I have since been called on a DAILY BASIS! After SEVERAL requests to not be contacted and that I would cover the balance as soon as possible, They have since continued to call and recently started to contact my family members in regards to this account. They refused to remove the report stating I asked for the account to be closed which is a blatant lie, yet they continue to harass me day after day by leaving voicemails constantly.

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 2017-10-12
Company: I.C. System, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I 'm in the process of repairing my credit and disputed information against XXXX XXXX ( Virginia ) around XX/XX/XXXX they sent to a collection agency. The information was overturned in my favor. I checked my information this morning via XXXXXX/XX/XXXX and noticed XXXX XXXX has sent the collection through via another Collection Agency ( I C Systems XXXX XXXX, MN )

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 2017-10-12
Company: CITIBANK, N.A.
State: NY
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:
The cbna had a hard inquiry on my credit report 2 times and I did not authorize them to run my credit. It 's the CBNA

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 2016-07-12
Company: Diversified Consultants, Inc.
State: FL
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:
diversified consultants has a debt balance on my credit reporting showing i owe a balance of XXXX. I requested validation well over 60 days ago and never received validation of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The enclosed Assignment of Mortgage filed in the XXXX of the City of XXXX on XXXX XXXX, XXXX, was manufactured in order to pursue an illegal foreclose action. 
On XXXX XXXX, XXXX XXXX was [ XXXX ] ot licensed or registered to operate in the State of New York according to the XXXX ( XXXX ) whom can be reached for this verification at ( XXXX ) XXXX ( Monday through Friday, XXXX to XXXX ). 
XXXX and XXXX did [ XXXX ] ot exist on XXXX XXXX, XXXX and XXXX XXXX was [ XXXX ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc ( MERS ) on that date. MERS is a shell corporation with no employees. 
XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, XXXX. 
XXXX Mortgage, XXXX publicly went out of business as per its Chapter XXXX liquidation filing under its bankruptcy. XXXX also went out of business in the year XXXX. 
Additionally, XXXX XXXX also signed the enclosed Assignment of Mortgage as an ( Assistant Secretary ) for XXXX on XXXX XXXX, XXXX. XXXX publicly went out of business in the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my House in XXXX XXXX with an FHA Loan, I started making my payments of {$1600.00} and everything was going well till I got a letter from Caliber Home Loans last month saying that we have a Shortage in the Escrow Account of {$3800.00} and that our payment is going up to {$2000.00} by XXXX XXXX, XXXX due to this Shortage. The problem with this Shortage is that they are trying to include in the Escrow Account, not only Taxes and Insurance which is the normal, but also Mortgage Insurance when that was never Disclosed at closing, nor was it disclosed in the HUD-1 at closing or any where in the Documents we signed. I have talked to the Mortgage Broker we had the Closing with, I have talked to different Mortgage Professionals and they have looked at all the closing Documentation and tell me that has to be a mistake because the Mortgage Insurance is a Premium that was added to the Loan Amount and even though we have to make monthly payments on it they are not to be included in the Escrow Account and they do not need to have reserves for that, this is not an FHA Policy and this Lender wants to do it because they want to. 
I tried talking to the Escrow Department at Caliber Home Loans a few times and they say it is right there at the HUD-1 and we signed for it, but that is not true, when you look at the HUD-1 it says that Taxes and Insurance are to go in the Escrow Account not Mortgage Insurance. 
We really need to have this resolved, we can not afford that monthly payment and that is going to result in us losing the House. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: American Credit Acceptance, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This vehicle was totaled on XX/XX/2018. The balance was paid off by my insurance company and the remaining balance was picked up by my Gap Insurance. I have contacted the finance company on numerous occasions to please update this balance with all 3 credit bureaus so that I can move forward with getting a new car and a better interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
AS of XX/XX/2017, I am two weeks late on closing on my short sale because my mortgage company will not approve allowable charges under the terms of the loan. They are claiming HUD wont approve but my attorney has gotten written documentation on the HUD approval for the charges. Roundpoint has been retaliating against the me because I have been sending complaints up the chain because of their POOR practices and work processes. They have held up my short sale or months. These delays are constant RETALIATION and should be against the 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 explanation
Consumer complaint received 2016-05-11
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have a student loan that originated with the XXXX XXXX and was subsequently subbed out to another company called XXXX. I have been making and continue to make payments each and every month with XXXX and yet they have now authorized various collections agencies to initiate attempts to contact me by written letter and phone. The most current collection firm, Wellman , Weinberg & Reis Co. has attempted to contact me for payment of my loan in full, however the account number they list for my loan is incorrect. I have no way of knowing if this is a legitimate company as they do not have the correct information regarding my loan. Furthermore, as long as I continue to make the payments to XXXX and they receive and cash them, it does not seem appropriate that these agencies represent themselves in a manner that is provided by the law to arrange collections for the loan amount due. I am asking your agency to demand that Wellman, Weinberg & Reis cease and desist in any efforts to contact me either by written letter or phone presently or in the future regarding my loan originating with the XXXX XXXX that is now being serviced by XXXX with the approval of the XXXX XXXX and for which XXXX has received and banked the funds issued for payment of this loan. Your assistance will be greatly appreciated regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
OnXXXX/XXXX/2015 I sent in a credit report dispute by USPS Certified Mail to Experian Dispute Department. And as of XXXX/XXXX/2015 they still have n't started my investigation into the medical collection accounts that I have no knowledge or records of the listed accounts. And since it has been past the 5 Business Days that the FRCA allots them accordingly to 611-15 U.S.C.1681i ( a ) ( 2 ) ( A ) *SEE ATTACHMENT # XXXX. I would like the XXXX trade lines for XXXX XXXX deleted or removed, and/or compensated {$1000.00} for each trade line that was not investigated in a promptly manner accordingly to the FRCA1681i ( a ) ( 2 ) ( A ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: Alorica 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 been contacted by Global Receivable Solutions, Inc. regarding a debt that I do not owe. This is the second debt collector for an unverified debt of {$69.00}. I previously disputed this debt with a previous debt collector, and they were unable to verify it. The second debt collector sent me a letter on XXXX XXXX, 2016, which was not received until XX/XX/2016. On XXXX XXXX, 2016, I sent them a certified letter disputing the debt and requesting additional information regarding the validity of the debt. This letter was received by them on XXXX XXXX, 2016, within the thirty day period. However, before the thirty day period expired, they reported this unverified debt to the credit reporting agencies. The company also fraudulently represented that the " Dispute date '' was XXXX XXXX, 2016, which is just outside of the thirty day period. However, XXXX XXXX is five days after my dispute letter was received by them, according to the United States Postal Service tracking records. On XXXX XXXX, 2016, Global Receivable Solutions sent me another letter with insufficient information regarding the debt which did not validate the debt. The letter also indicated that the debt had been reported to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Bread Financial Holdings, Inc.
State: CA
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:
I recently looked at my credit reports and noticed that XXXX XXXX/XXXX reported negative marks 30 days past due as of XX/XX/XXXX, XX/XX/XXXX on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: CURO Intermediate Holdings
State: KS
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$700.00} and am attempting to make arrangement with the lender. However the lender insists on charging me 400 % interest and applying all payments to interest first. This is completely usurious and unconchionable. The contract should be void as a matter of public policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: ResidentCollect, Inc.
State: TX
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:
i have a debt with resident collect that is a valid debt but wrong dollar amount. I have called over phone and they verify the correct amount but they are refusing to send report with the correct balance to XXXX and XXXX. Experian already has it updated because they called Resident Collect and received it verbally. A epresentative of Resident collect by the name of XXXX has been very rude and straight to point by indicating pay the updated amount and we will send info over to say debt is clear however when I ask why they will not send correct amount over he also stated that " he will not give me what I want until I send them what He wants ''. He knows that I am seeking employment and the company only verifies through XXXX. I have a letter from resident collect that I am enclosing that has Acct #, Creditor that appears on all my credit reports but the letter has the updated amount while my credit reports still have the wrong amount. This has been ongoing for XXXX months. I file a dispute with credit bureau and Resident Collect keeps closing it by saying the higher amount is correct. As you can see by the letter from collection company it was updated in XXXX. On XXXX XXXX I filed a dispute with XXXX and they ( Resident Collect ) denied it and then i did one again and it was denied.They are saying that they do not report it to credit agency but the agent clearly told me to pay it and he would update my report. I have asked for Supervisor 's and he advised me he was it. I asked for the email of XXXX XXXX who is President of company and they said they would not release it to me. I even spoke with XXXX XXXX who is the director of company and he said that he ca n't help me. He says it is up to the credit bureau to update and he sees that they have updated the information so if they havent updated report its own them. When the Credit Bureau is called they keep saying it was denied and I was even advised by XXXX that the collection agency can call it in over the appropriate phone # that they have and it will be corrected but again agency is throwing the ball in the Credit Bureau 's direction this was also told to me from XXXX s well about the phone #. I am enclosing the letter from Resident Collect as well as the letter on company letterhead from the Creditor stating the dollar amount has been changed. The debt is one I owe but the amount is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Caliber Home Loans, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a home mortgage with Caliber Home Loans. I 've been working with them on a loan modification. As part of the modification process, I 've fallen behind on my payments because they are refusing to take payments while the loan modification is in process. I 've submitted all the paperwork and responded every time they have asked me for more information. At the same time, they have initiated foreclosure proceedings and set a sale date for my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a general complaint about the process to place a credit freeze ( for both myself and my minor children ). 

I object to being required to provide the credit reporting agencies with more personal information about myself and my children than they already hold in order to obtain a freeze. 

I went through the process online and was told that I have to send additional information by mail, including my social security number and a government issued ID. This process is ( i ) not consumer friendly ( takes time, requires access to a photo copier/expense ), XXXX ii ) is not secure and ( iii ) requires me to share information with them that they do not already hold. As has been shown recently, these companies can not be trusted with our personal information. I object to having to provide more information about myself to obtain the freeze. 

The free phone number does not connect you to a person to put a freeze in place, it merely parrots the information available via the website. 

I urge the CFPB to require these companies ( i ) not to charge for this service ; and XXXX ii XXXX to make the process to obtain a credit freeze easier. 

I did not opt in to this system. It is imposed on consumers without their consent. I understand that releasing a freeze may reasonably require additional information to verify identity, however I provided ample personal information to request the credit freeze and was denied.

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 2016-09-11
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Several years ago Union Bank of Ca switched my checking account from a standard account to one that required a {$10000.00} min and would pay interest. It also would charge me a higher fee if I did n't maintain the balance. I was never asked to switch accounts or contacted in any way. I just noticed the higher fees on my statement. I called and was told that a teller ( I recall XXXX ) in a branch in XXXX which I 'd never been to had made the change to my account after someone cashed my check at that branch. When I heard the XXXX story I realized this could have been a similar scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good morning. My name is XXXX XXXX XXXX, XXXX # XXXX. I represent XXXX and XXXX XXXX in the following situation : Earlier this year XXXX and XXXX 's mother, XXXX XXXX lived in XXXX XXXX Florida at XXXX XXXX XXXX, XXXX XXXX Florida, XXXX and passed away in XXXX. She has a mortgage on the home secured by XXXX Bank as the owner and SLS as the servicer. The home is now in foreclosure and just came out of probate as the 2 sons, XXXX and XXXX are the executors of the estate of XXXX XXXX, XXXX, they are NOT liable for her mortgage debt. To make things easier to get past this, the son 's have hired me to negotiate a short sale with the servicer, SLS and I am moving forward with that. Here is the problem. The foreclosing attorney, XXXX XXXX of XXXX XXXX XXXX, XXXX Fl, XXXX keeps sending XXXX, XXXX and even their spouses summons and filing for foreclosure to collect the unpaid mortgage on their DEACEASED mother 's home. The servicer, SLS has all of my representative paperwork stating that I now have a cash borrower and we can negotiate a short sale.

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 2015-06-26
Company: Alorica Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
West Asset Management continues to call both me and my wife regarding a hospital bill from XXXX of 2013. This debt was included in a Chapter XXXX Bankruptcy and they were notified of the filing XX/XX/XXXX. They did NOT appear at the XXXX hearing on XXXX XXXX, and yet are still calling both of us as of XX/XX/XXXX. They have called my wife both at work and on her cell phone. We do not answer the calls, but have traced the number to them.

Company response to consumer: Closed with non-monetary relief