BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-11
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of XXXX I was making payments under a modification yet I was denied by XXXX XXXX XXXX, citing that I had not mailed back the modification packet. They immediately proceeded with a foreclosure that occurred that same month. After investigating the facts they found that they had not mailed me the documents they were requesting and proceeded to rescind the foreclosure. At the same time the loan had been transferred to a new servicer, Caliber Home Loans. XXXX stayed in closed communication and in early XXXX XXXX I spoke with the trustee who said the rescission had been completed, I further verified it with the new bank as the loan had gone from the XXXX department, who was in the process of an eviction, to the reqular servicing department. 
I was told by XXXX that I 'd have to start the modification process all over, since the previous modification had not been fully executed. 

I contacted Caliber to obtain copies of the XXXX application to apply and was told what was needed and where to submit it. As I am completing the application, I receive a Notice of Trustee 's sale from Caliber with a sale date scheduled for XXXX XXXX, XXXX. 

They have never called me or reached out to me, I began the communications and told them I 'd send in the loan mod application. They have n't given me an opportunity to apply for the loan mod. 

I would like to keep my home and be reviewed for a loan modification and be offered something similar or better than what was received from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Alliance Once to check on my debt, they identified me, but did not complete the mini-miranda. Instead of finishing it, XXXX XXXX said something along the lines of " and you know ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10
Company: CURO Intermediate Holdings
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Received a loan I didn't apply for

Complaint:
Speedy Cash has an entry on my credit report as applying for a title loan. I have never applied for a personal title loan from this company. This error is causing problems with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital Accounts contacted second week of XXXX. me regarding a debt to XXXX XXXX. I requested that this request be in writing and it would be great if they can substantiate their claim. I received a letter dated XX/XX/2018 demanding payment without proof of the debt. I replied to their letter that I'm disputing the validity of the debt in a written notice dated XX/XX/2018 and mailed on XX/XX/2018. Capital Accounts kept calling me requesting a payment in 5 separate occasions. I kept asking for them to mail me evidence of the debt and what transactions gave rise to it. I have not been to XXXX for 4 years. Today, XX/XX/2018 I received a letter dated XX/XX/2018 asking for payment of XXXX or it will appear as a derogatory item on my credit report. Still I have not received any proof of the debt. The account number referenced is XXXX. Capital Accounts conduct is unenthical and they are attempting to unjustly benefit from me. Please make them stop or provide proof that I owe the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Due to Covid 19, I lost my job, Therefore I was late a payment, and was reported as late payment, so my credit report went from good to worse in one day.

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 2021-04-27
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have federal consolidated Stafford student loans managed through myfedloan.org. I am pursuing Public Service Loan Forgiveness ( PSLF ), and according to myfedloan.org, I have completed 104 qualifying payments ( out of 120 required for PSLF ). I have another 5 eligible payments that will qualify once I submit employer certification. 

According to myfedloan.org, I also have 8 payments that are currently considered PSLF-ineligible, but " Payment Is Pending Manual Review. '' These are payments made to a different federal student loan servicer in XXXX. I have inquired into this issue repeatedly via myfedloan.org customer service, and thusfar they have not completed the manual review after 6+ months.

Depending on the status of the payments under manual review, I could qualify for PSLF in XX/XX/2021. I ask that myfedloan.org complete their adjudication prior to that date so that I don't make additional, unnecessary payments on my student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX trees fell on my house completely destroying the part of the house where I live. Since that time I have been homeless. My insurance company, XXXX XXXX, provided what I think will be enough money ( {$120000.00} ) to repair my house but all checks have required an endorsement by both myself and my mortgage company, Ditech Financial LLC. Ditech has cashed the checks but refuses to tell me if the money is held in escrow. I was able to borrow enough money to remove the trees ( {$12000.00} ) and the debris from my fallen house ( {$24000.00} ). I have sent the documentation to Ditech ( https : //www.ditech.com/ ) repeatedly. The insurance company provided checks to cover the completed work and has sent all required documentation at least 3 times. I have tried to supply all of the documentation requested by Ditech including contractor license numbers, XXXX forms and lien waivers ( some seemed to have been lost by Ditech and were never put in my Ditech file so they were sent two or three times ). They have told me that I have now submitted all required documentation but they do n't send the money. XXXX checks for materials were sent but they were made out to the wrong suppliers so they had to be returned. I have received multiple letters saying that my information is being sent to a bill collector. I have never been late on my mortgage in the XXXX years that I have owned the property. 

I am acting as my own XXXX because I was fully involved in the original construction of the house and there is not enough insurance money to hire a general contractor. With the intervention of the insurance adjuster, Ditech released {$10000.00} which does not even pay for the money that I had to borrow from family and friends to do the demolition and tree removal. My loan is a XXXX XXXX loan and as I understand the laws governing XXXX XXXX loans, this money needs to be in escrow and the interest earned sent to me at the completion of the claim. The mortgage is around {$140000.00} and the land alone excluding the house has a valuation of {$180000.00}. 

I have a XXXX XXXX loan and according to the following website, I believe that I an entitled to a disbursement of {$40000.00} plus the amount that I have already paid for the tree removal and the demolition. XXXX ). 

I am XXXX XXXX XXXX and have very limited income so that I am unable to get a loan to fix the property. I do not have money to hire a lawyer for litigation. Do you have any suggestions on how I can proceed if your office is not able to help me? I called the XXXX office and they offered no help except to tell me that I needed to deal directly with the mortgage company. When I said that I was talking to the mortgage without any effect, the XXXX representative hung up on me. I need help in getting money released so that I can repair my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is GENERAL ... please do not involve my bank, but publish. 

I think it's time to make all mortgage companies SELF-INSURE their investments. Mortgagees S/N have to annually seek ( and hopefully get ) policies, and then prove coverage. It is aggravating and a real burden, personally and financially. Here in Florida, it now costs in excess of $ XXXX/year to insure a 1-bed condo for a {$60000.00} loan ; insurers are leaving the state, and policies issued have poor coverage for the cost. The amount of paperwork between bank/homeowner/agent, each year, is itself outrageous. 

It is time for national reform. If lenders want to eliminate virtually all risk, make THEM pay!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Venmo is insisting I owe for an unauthorized charge. Venmo complaint ID XXXX for transaction XXXX XX/XX/21. They stated that my claim was denied XX/XX/21, but they did not explain why I would he responsible for an unauthorized charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
On XX/XX/2021 i contacted Chex Systems to request that the company place a security freeze and refrain from sharing any of information about myself, XXXX XXXX. I did not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. I would like to have my entire credit profile removed from the data institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Receivables Management Partners, LLC
State: TX
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:
Billing complaint - overcharged, then the outstanding bill was sent to collections agency and hurt my credit. Had a vet check up in XXXX for my dog. Paid bill in full during time of visit as required with debit card. Later on, I got a bill for {$130.00} and I disputed it with the clinic. The clinic claimed I had not paid my bill in full ; despite me doing so before I left the clinic during the time of my visit. They then sent the overcharged, outstanding bill, to a collections agency and hurt my credit score. I was forced to then pay the outstanding amount to alleviate the damage to my credit score. I did not owe this money, I had already paid my bill in full on the day of my appointment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: M&T BANK CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Chapter XXXX XXXX filing was discharged 6 years ago. I included XXXX mortgages in the XXXX which have XXXX been paid on time for the past 6 years since the discharge. However, I am not getting credit for either mortgage on my credit bureaus. I have contacted all XXXX agencies as well as XXXX servicers to resolve multiple times. Both agency and servicer are suggesting that the other is at fault. This situation is impacting my credit score and in turn my lending options. Being at a loss I decided to contact the CFPB to see if they could be of assistance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by a company recruiter into sending someone {$800.00}. I was given a counterfeit cashier 's check to put into my bank which I did. After sending a vendor for that company {$800.00} for work equipment fees, the counterfeit cashier 's check bounced and as a result I 'm not at a loss of {$800.00}. I contacted MoneyGram, the money transfer service utilized in the transaction to see what they can tell me about the receiver but they stated they would not help me and did not give me a concrete reason as to why they would n't help me. That is why I am complaining about them here. I do not know if they are in conjunction with the scammers or what the situation is but their unwillingness to help their customer ( me ) is shocking and completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: SIMM Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received numerous calls and messages per day. Agents threatened to go after my mother and her home. Agents threatened to garnish my wages and my mother 's wages. Agents refused to accept that I was unable to pay. They coerced me into liquidating my retirement fund at huge penalties to get them money ( I feared they were going to take my mother 's house ). Even after doing so to get into a payment plan, they have continued to call and ask for more money than the agreed payment plan. They have also on more than one occasion double charged my account for the same payment ( essentially attempted to take XXXX payments instead of XXXX in XXXX separate months, requiring me to contact my bank to get the second payments stopped ). This was done without my consent and without any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: The Best Service Co.,Inc
State: CA
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:
XXXX has been non-compliant with removing the unverified account BEST SERVICE COMPAN XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that BEST SERVICE COMPAN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2016-06-14
Company: Account Information Management Corporation
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Account Information Management Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Twice I have requested that Transunion remove the incorrect information that I still have a personal loan from my credit union. The first time they " verified their information is accurate '' but that is 100 % incorrect and easy to verify with the bank. I am glad to share a written statement by an employee of the credit union stating what I have said is correct, and what Transunion refuses to correct, is incorrect. Transunion also does not update when I pay off a credit card, significantly hurting my credit. Over 3 months have gone by and they have not updated my credit, showing my credit card is paid off. I have shared files as documentation that I what I am saying is correct. I have just refinanced my house and also am attempting to buy a car right now and their incompetence is costing me over 30 points on my FICO score. XXXX has no trouble keeping up, I believe Transunion should be removed from having responsibility with credit ratings.

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 2016-01-19
Company: Cedars Business Services, LLC
State: VA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by Ceder Financial stating that I owed the XXXX University money. First I requested proof of that debt because I didnt believe it was as much as they claimed it took several calls before that information was provided. I offered to pay {$50.00} a month towards the debt but they have refused that amount. They requested that I completed a XXXX page asset background form and pay {$250.00} upfront payment to keep the collection off my credit report. I have told them several times that I cant afford it but they still are asking me to pay {$250.00} upfront and XXXX a month for 6 months and then the amount will be increased to XXXX They have also threatened to take my federal tax return. I explained to them that I work for a non-profit company and i am also paying back student loans. I dont know that they can refuse the payment I have offered due to my tight budget. I was going to borrow the money but it would put me in a bad situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, I placed a security freeze on my National Consumer Telecom and Utilities Exchange ( NCTUE ) file ( following potential bank fraud I recently experienced ). The New Jersey address listed on the security freeze confirmation is an address at which I never paid utilities because this address belonged to my former employer ( a boarding school ). My former employer paid rent and utilities at this address. 
ALL DOCUMENTATION TO CONFIRM THIS COMPLAINT IS AVAILABLE UPON REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My stimulus card was stolen. I filed a police report. I viewed a picture of the woman who completed the transaction I did not know her. I filed a dispute with eipcard/money network. They declined my dispute before I even submitted the forms. I submitted an appeal as advised. I called multiple times. I would get transferred, hung up on left on hold. Everyone would give me different answers to my questions. Nobody would give me information on their company so I could go up the chain of command. I requested multiple times why my dispute was declined. I spoke with someone yesterday and found out my appeal was declined but no one will explain why. I cant speak to that department. I cant speak to anyone who can help. Someone used my card on XX/XX/XXXX. I filled a police report my card number is XXXX XXXX XXXX XXXX. I Spoke to officer XXXX at the XXXX XXXX Police department at XXXX XX/XX/21. Case # XXXX dispatch number XXXX. I have tried and tried to resolve this issue. I am a victim of theft and this company refuses to do anything to resolve the issue. They have been extremely difficult to work with and impossible to get anyone helpful to fix this issue. Please please please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I get alerts from XXXX website when activity takes place on any of my credit reports. A debt being collected by Credence Resource Management for XXXX was due to fall off and I received an alert that they removed it and put it back on, causing it to be re-aged which is a violation of the FCRA. See attached screenshot.

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