BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MA
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:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that EXPERIAN< XXXX and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove the listed items below : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX/XXXX Inquiry Date XX/XX/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 non-monetary relief
Consumer complaint received 2015-11-05
Company: Alorica Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had not checked my credit report in a while. After obtaining my credit reports. I got a letter from a collection agency West Asset Management , Inc . Telling me that i had a debt that had been turned over to them for collection. I called them immediately to inquire about " this so called debt '' First time I called was XXXX/XXXX/2015. I was told that they were going to research the account and get back to me. Today is XXXX/XXXX/2015 have not heard any thing from them. So I called again. They told me that they did not have anything to share with me and they will let me know ... .In the mean time, I 'm waiting to have this cleared from my credit bureau as I would like to buy a small home for myself and having this information on my credit file will keep me from obtaining a good Real Estate loan or perhaps nor one at all. They ca n't give me any information about " this debt '' but they have not removed this false information from my credit report. I need help. I would really appreciate your help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
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 was renting an apartment from a complex called XXXX XXXX XXXX in XXXX, TX. I was required to pay my first and last months rent up front. I gave them my 30 days notice when they gave me my renewal notice on the last month of the contract. Now I have debt collectors calling me saying that I owe the complex {$2600.00} for breaking the lease, even though I did n't break the lease at all. The only reason I put in my 30 days notice to leave at the end of my contract was because of the lack of promised amenities, such as pool and office, and the apartment units not being up to code. ( I.E. black mold, faulty electrical outlets, rotting balconies, sliding doors that would not lock creating security issues, maintenance said there was nothing they could do about, neighbors roof caving in, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I submitted a 1st mortgage loan application online with Caliber Homes on Friday, XX/XX/2016. Prior to submitting the online application I contacted Loan Consultant XXXX XXXX with Caliber Homes at the XXXX XXXX branch. I told XXXX what my request was and she told me to submit my application online and put her name on the application so that it would be forwarded to her. I did not hear back from XXXX, so I called her two business days later, on XX/XX/XXXX, and left a voice mail. XXXX returned my call that evening. She did n't really understand my request and pretty much told me that she did n't think I should proceed with my loan request. Quite frankly she did n't even know what product I was looking for. So I told her what loan product I was considering and that Caliber Homes does offer the loan product, which is an FHA XXXX She then told me that another loan consultant handled these transactions. I told her that I would like him to call me. I never heard from him, or XXXX again. In addition, I NEVER received my early disclosures. I also never received any documentation from the mortgage company if my loan was declined or conditionally approved. The mortgage company never processed my " COMPLETE '' application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I placed an offer on a home for sale titled to XXXX Bank. Included with my offer was a {$2000.00} escrow check and a pre-qualification letter from my mortgage broker. My offer was countered, we countered back and during that time multiple offers were received. We were informed best offers were to be submitted to the listing agent by XXXX on XXXX/XXXX/2016. At approx. XXXX on XXXX/XXXX/2016 we were informed that, " All prospective buyers to obtain a XXXX XXXX Loans Pre Qualifiction letter prior to accepting an offer. Please contact XXXX Loan Consultant XXXX XXXX, XXXX # XXXX XXXXXXXXXXXX Phone XXXX Purchaser can obtain any financing to purchase home. '' Wait ... red flag!! I already have submitted a pre-qualification letter. Why am I required to get have XXXX pull my credit? I do n't want to do business with them and I feel uncomfortable giving my social security number to this random person when I am not interested in obtaining credit with them. Is this the listing agent trying to give her loan company business? So, immediately I call XXXX XXXX twice. I left XXXX message. I contacted my mortgage broker who was able to provide me with a pre-qualification letter {$50000.00} higher than my offer to justify that I was able to afford my offer. My real estate agent was informed at approx. XXXX that an offer had been accepted by XXXX Bank and Trust. Wait .... Red flag?? To have an offer accepted I needed to talk with XXXX XXXX, but he had n't called me back. How could this be? At XXXX XXXX XXXX called me back to get my social security number and run my credit ( I did not inform him that I already knew an offer was accepted ). I explained my hesitancy on releasing my personal information and he understood but informed that he could n't submit the required pre-qualification letter without my social security number. Here an offer was accepted and XXXX XXXX is still trying to obtain my confidential information. In addition, XXXX Bank is requiring this when they already have selected an offer. If I already have a pre-qualification letter how is this legal to require me to obtain another XXXX and if it was a requirement, why was n't that explained in the listing information? It seems that XXXX Bank wanted to accept an offer but wanted to verify that the person could afford it so why ask the rest of everyone to compete? Was this deceptive or discrimination?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Initially we applied for a loan modification with XXXX XXXX. The temporary loan agreement was sent to us by XXXX XXXX and we made the XXXX payment on the agreement, but the loan was literally sold the next day. The new servicer Caliber Home Loans called us a few days later and asked what our intentions were since they were denying our original temporary modification agreement. We never received an exit letter from XXXX XXXX, and now we were faced with a new servicer not willing to except any agreement we had with XXXX XXXX. Their solution was for us to reapply for a loan modification with them from scratch. We have been in a back and forth battle trying to get a modification. After a few months they wanted us to send them more money, and they would look to continue with the original modification we had with XXXX XXXX. We asked XXXX to put it in writing, but they never did. We have now attempted XXXX times to get a loan modification with no avail. With contacting a HOPE and a Housing Counselor, it looks like our FHA loan has turned into a conventional loan. Both the Hope and Housing Counselors did not understand why our loan type changed from FHA to conventional. It 's both the counselors understanding that this loan type should not change without a refinance ; no refinance was ever done by us to change the FHA type loan. We have requested that Caliber Home Loan look into this dispute by sending them our closing statement and the FHA loan number we 'll provide the same to you. It seems they are calculating my Debt to Income ratio not in accordance with FHA guidelines. We are facing a Sheriff 's sale on XXXX/XXXX/XXXX, and we have used all our postponements in working with them. We are requesting that you look into this matter, so we can maintain our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The private student loan debt they are trying to collect on is under XXXX XXXX XXXX but then the law firm of firm Weltman, Weinberg, and Reis has the owner name of XXXX XXXX XXXX. They did not send any actual paperwork that actually proves that XXXX XXXX XXXX actually owns the debt, the sent paperwork that also had XXXX XXXX XXXX and XXXX XXXX XXXX. The paperwork is very confusing because it does not show the process of how XXXX XXXX XXXX purchased and when the account first went into delinquency status which I asked for. I asked for proof of the statute of limitations of this. XXXX XXXX XXXX has gotten into trouble for this before because I asked XXXX back on XXXX and XXXX of this year to send the validation of debt but instead on XXXX/XXXX/16, the matter was sent over to a collection law firm. XXXX XXXX XXXX does not have the right to collect on the debt based on the proof that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i applied for homeowner assistance with caliber home loan and my loan modification request is in process but i received a notice of sale at the same that my loan is in a on going loan modification which is according to California home owners bill of rights dual tracking, my loan was transferred from XXXX to caliber in which there was a requested open loan modification in place at time of the transfer which is the problem i have with caliber home loans that there not suppose to process a loan mod and foreclosure at the same time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: PA
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:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
To Whom It May Concern : On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
Chase did not respond to this letter and initiated dunning calls. 
On or about XXXX XXXX, 2016 Chase in response to a verbal comment, classified the charges as unauthorized and issued provisional credits. 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-XXXX and Chase alleged benefit letter-XXXX ) In XXXX XXXX, 2016 Chase called but we were out of the country. 
On XXXX XXXX, 2016 the letters Chase alleged benefit letterXXXX and Chase alleged benefit letterXXXX were received. 
Between XXXX XXXX, 2016 and XXXX XXXX, XXXX approximately 11 calls were made to Chase regarding this matter. 
On XXXX XXXX, 2016 a letter was sent to Chase ( see Chase executive ) Chase responded I. The initial notice of a billing error was received but did not apply as Chase alleged did not receive fraud letter til XXXX XXXX, 2016 XXXX. Chase policy requires certain form to be completed. 
XXXX. Chase policy required subpoenas for certain information. 

Chase violated XXXX XXXX XXXX XXXX by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letterXXXX and Chase alleged benefit letterXXXX and Chase Notification ) XXXX. By claiming that the burden of proof is upon the card issuer to prove transactions were authorized ( See Chase Executive ) XXXX. By not providing documentation used to make decision. Chase alleged that there were recorded phone calls that proved authorization occurred, but only providing XXXX copies of receipts. ( See Chase XXXX receipt XXXX and Chase XXXX XXXX XXXX ) XXXX. By not providing all evidence required to prove that the charges were valid, despite repeated requests ( See Chase Emails ) XXXX By not complying with US banking laws despite being told explicitly of the violations ( see Chase Emails ) These violations are most egregious as Chase was informed of the violations in writing ( See Chase Executive ) but defended their actions with specious reasoning, claiming that the unauthorized claim occurred later than documented and referring to Chase policy regarding proper forms, which were submitted and Chase legal policy but never addressing the direct violations. 
I believe that Chase should not believe that it can not grossly violate the US Banking laws without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This property has sat unoccupied and with little maintenance by the Owner/Property Manager for several months. The Association has had to take over property maintenance and has incurred fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have commented that the appearance of this property has detracted from the value of their property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CURO Intermediate Holdings
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act this creditor has violated my right under 15usc 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
XXXX advertises that if you apply for their credit card you will " earn '' XXXX free stay nights. You must meet certain conditions. I met their conditions, but they did not notify me that I was now eligible for my XXXX free night stay. Instead, I contacted them to find out about how to use my nights and they said " they have expired. '' It was not something that was free - I had to earn it - yet they did not properly give me the opportunity to use what I had earned. This is fraud. Gift cards can not expire in California, why are they allowed to let my earned award expire?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had open an bank account with chase, I thought it was really neat to take a picture with your phone to deposit you check its was convent for me. That way I do n't have to wait in line to deposit the check, anyways check went though and I received my money no problem 2 week later I had got XXXX a notification on my phone say that I owe the money and that I needed to pay it back I call and complaint about it and they said that its my fault that some other back had cash the check in there account which i do not have an other account with anyone. So as of right now, my back is over draft and I 'm not paying it for something I did n't do. so now Im using a pre paid debt card that I have to pay to put money to pay my bills ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Westlake Services, LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a loan with west lake fiancial in XXXX 2016, because I wanted to build my credit to which was nonexistent. Everything is going well until I was informed that I was not getting credit for payment XXXX XXXX2016 XXXX. I was told to provide proof of license and social security card ( which I did that month ). Several months later and many calls to my the credit bureaus to resolve my trouble which was minor and I was told to wait till the next month to get an update.by West Lake Financial. If my credit was bad from the start why was I not told to provide info before..? They ca n't file because of some discrepancy issues. Credit agency told me nothing should hold them back file my payments in the system. I need financing help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The purpose of this complaint is to clarify the terms and accounting on my clients ' mortgage. My clients suspect that they may be the victims of a predatory loan. They have asked the lender several times for basic documents and accounting, but it has failed to provide this information. 
The debt originated with Chase in 2005 with a balance of approximately {$290000.00}. Over the years, my clients have received XXXX hardship modifications to the loan ( XXXX for unemployment and XXXX for XXXX ). These modifications included a forbearance period. 
As my clients began to receive statements from Chase, they were surprised to find that the new loan balance had grown to approximately {$310000.00} -- an amount greater than the original debt. They made inquiry to Chase but received no relevant explanation of the new balance. My clients then filed a complaint with the Arizona Attorney General 's Office, questioning if the terms of the modifications were predatory. Several days later, Chase sent notice that the debt was transferred to XXXX XXXX XXXX. 
Because of the actions of the banks, I suspect that there are unfair, predatory, abusive and/or deceptive terms in the loan or modifications. Further, because my clients have not been provided with relevant information concerning the debt alleged, they feel they can not make informed decisions about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Westlake financial Services is financing my car loan, I was told by them that they will report my credit to XXXX and XXXX, this was 9 month ago, so far there is not any credit report. Every time I call them they say that they will report it, they have requested me documents that I already sent and still the same, no report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We want to file a complaint against Chase Home Financial , Inc. 
Chase, against our will, paid our property tax ( XX/XX/XXXX-XX/XX/XXXX ) in XXXX, XXXX, and put it in escrow. Ever since Chase has been adding late fees and threatening to foreclose us. By foreclosing, Chase intends to steal XXXX {$300000.00} ( equity ) from us. 
This is absolutely absurd. although we have been making mortgage payment every month, we have n't paid the escrow because Chase already took more than {$6000.00} from us within the past three years ( XX/XX/XXXX-XX/XX/XXXX ) in escrow-related matters, and & gt ; {$6000.00} pretty much pays for the XX/XX/XXXX-XX/XX/XXXX property tax. 
After thinking the situation over and over again, we have come to think that Chase is abusing escrows ; operating a money-making business ( extra curriculum activities ) ; and acting a robbery. Could you do something to stop and prevent these escrow abuses? 
We have initiated a class-action lawsuit against Chase. 

We sent a following letter to Chase on XXXX XXXX, XXXX. 
Dear Chase : We have got {$10000.00} in hand, but we are not paying the escrow as you claim at this time. After thinking about the problem we have with our mortgage payments over the last eight months, we have come to think that we already paid the escrow and do not owe it ; or, in another word, you already took the money from us, saying that we owed you the monies for home insurance ( {$2600.00} for eight months ) in XX/XX/XXXX and numerous late fees since XX/XX/XXXX to this days. If you foreclose us as you are threatening us, you are going to steal our equity of ~ {$300000.00} in the house as well. 
Apparently, you are abusing escrow ; operating a money-making business ; and acting a robbery. Assuming that you have been doing this to numerous home owners, we are contacting law firms and initiating class-action lawsuits against Chase. 
We are also complaining to the Consumer Financial Protection Bureau ( CFPB ) and urge them to enact a better law on escrow or eliminate escrow all together, in order to prevent abuses. 

Sincerely XXXX & XXXX XXXX XXXX XXXX, MD XXXX : Chase Home Loan # XXXX : CFPB Case # XXXX ( continued )

Company response to consumer: Closed with explanation