BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Below is one of many letters written to Caliber explaining their multiple misappropriation of funds errors : We were instructed to write a letter to your department directly by XXXX, ID # XXXX today, XXXX/XXXX/2016 regarding the misappropriation of funds handled by your cashier department. There has been a total of {$3800.00} sent in for XXXX and XXXX mortgage payment that has not been applied to our account. Today we received a breach of contract letter and notice that foreclosure was impending by the end of this month. This in turn has allowed Caliber to qualify us as " in default '' therefore sending HUD documents via mail that have been arriving at our home and past due threatening phone calls are made daily to our phone. These calls and mailings started arriving the XX/XX/XXXX. This prompted us to log into our account to see what the problem was. This is when we realized XXXX payment was not applied, subsequently, XXXX payment was not applied either. We made several calls into Caliber as well as several submissions online inquiring about what the problem was. No one ever responded to the online submissions and each rep gave us a different explanation about what the problem is. This is when we started recording the conversations. I can send them on a thumb drive so you can hear all of the opposing instructions and explanations we have been given over the past month or can be sent to an email. All of these recorded calls were emailed to the CEO 's assistant without response. We even had one rep say DO NOT make XXXX payment. That is recorded. We were told by another rep that we might have difficulty finding another lender to just refinance since Caliber has started the pre-foreclosure process already and has reported us to the credit bureau for being XXXX past due even though Caliber has record of receiving both XXXX and XXXX payments, that is recorded. We ca n't even see where the {$3800.00} to any of the fees either despite that is " probably where it 's going '' per your reps. There is no proof of this that has been provided. 

We have notified you of your error via certified mail which we have proof of receipt, we have emailed our draft statements from XXXX XXXX XXXX, our bank that reflects more than the normal payment due that we have paid for several months now including XXXX and XXXX, we have submitted our proof of payment online and your own website/system reflects this. We have invested 80 hours in dealing with this. I have instructed my employer today that I will have to take off the rest of this week to file whatever paperwork I need to through the proper channels. This is having an extremely detrimental effect on our family including our minor son and it 's taking a insurmountable toll on our family and we all have had XXXX, XXXX and XXXX pain and suffering because of these ongoing Caliber misappropriation of funds errors. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Threatened me to take legal action against me if i do n't call back within the same day. The message also said to make sure i had an attorney, and to send that information to him or he was going to do something that is going to impact me. He also made himself to sound as an attorney, and said that there were some papers on his desk and that if i did n't have an attorney he recommended me to get one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We were contacted by Caliber Home Loans to refinance a mortgage we have with them to get a lower interest rate. We did all the paper work and they said everything was fine. We paid for the appraisal. We were expecting to close and then they said the IRS said we have Identity Theft so they said we could n't refinance even though we already hold a loan with them and paid for the appraisal. Caliber Home Loans should not have approved the loan and asked for appraisal if there was trouble. We spent a lot of time on this and they were n't organized. They do n't know what they are doing. Do n't use Caliber Home Loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-19
Company: Alorica Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Global Receivables Solutions acquired a medical debt I had from a local hospital. Once learning that there was an outstanding debt I told the representative I would take care of it by contacting the original debtor ( XXXX ). He informed me I could n't do that and could only work with his company to resolve the issue. I advised him that I did n't know who he was and if the hospital said I needed to pay Global Receivables Solutions directly then I would do that. I asked that they stop calling me. I have received calls every weekday since and ask them every time to stop calling. They continue to call everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2017 my bank issued a paper check in the amount of XXXX to Paypal Credit. This check was received and deposited by XXXX of XX/XX/2017. On XX/XX/XXXX, my account still showed a balance of {$650.00}. I asked about it, and they requested I provide them with check number, date of issue, date of deposit. This information was provided. I have provided this information to them several times, both by email, and by phone. They still have not credited my account for XXXX. The last message I received from them today asked me to provide proof of electronic payment -- when I have already told them a check was mailed. They keep asking for the same information over and over again and wo n't resolve the issue. They have not made any progress, and each representative I speak to seems to be talking about the situation as if it were the first time I 've made the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. Validate Inaccurate/Reported Late payments XXXX XXXX Account Number : XXXX Please correct/update this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been with Coinbase for quite a while now. When XXXX was looming, Coinbase sent out an email saying they recommended their users protect their Bitcoin by putting it into their Vault. I did that on XX/XX/XXXX About a week later ( XX/XX/XXXX ) I logged back into my account and set up the transfer from my Vault back to my Bitcoin wallet. I have waited and waited and waited. I have contacted Coinbase repeatedly about this transfer. The note on my account says, " Waiting for approval. '' I have already approved the transfer so I looked into this further : There is another name on my account ( some d ... XXXX ) I NEVER put on the account. I have investigated on the internet and it seems Coinbase has had this complaint MANY times - the mysterious d ... XXXX who has to approve transfers and never does. I do n't know who this person is. I do n't have their email address to approve my own inter-account transfer and so my money is just somewhere out there inaccessible to me. I have contacted Coinbase repeatedly and they simply DO NOT RESPOND now. I have not been able to use my Bitcoin as the market made its moves. My money is being held hostage by the ( supposedly ) most reliable company to have/hold bitcoin with. I have missed out on many opportunities to turn a profit because my funds are inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have several ( XXXX ) inquiries on my account that are unauthorized and the credit bureaus will not delete inquiries

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 2017-01-21
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans has screwed up my escrow account twice. First they paid an irrigation assessment they were not supposed to pay and began charging me {$100.00} a month more to cover their mistake. I also paid the assessment and cant get that money back. Now they have failed to pay the second installment of my property taxes and I have been assessed a penalty and late fee which they will have to pay. They are unresponsive in fixing these issues and I can not change mortgage companies. I did not ask for them they bought my loan and now I am stuck with their XXXX service for the next 28 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
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:
I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Aqua Finance, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
My husband and i had a water softener installed, we were both working at the time and have paid monthly payments on time for 2 years so when my husband lost his job for medical problems and my job cut everyone to part-time we fell back on payments and asked the company ( XXXX Finance ) to pick-up and take away the softener as we were not going to be able to keep up the payments. They said that was not possible and have frequently calling and harassing me and him on our phones and now my workplace. i have been embarrassed at my workplace and reprimanded by my supervisor. We have instructed them to stop this harassment but they are n't they keep calling. 
What can i do? i can not afford to lose my job by their calls.

Company response to consumer: Closed
Consumer complaint received 2016-12-03
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
3 weeks ago requested loan payoff from Caliber Home Loan thru their SPOC representative. Was told I would receive it soon. Still waiting and I have a pending foreclosure that is moving forward. I have a pending sale on the home and can not draft a correct contract as Caliber ( who represents XXXX ) is not sending me the requested 30 day payoff that I asked their SPOC rep XXXX # XXXX to send me. I want to sell my home and avoid foreclosure but they are holding up my request for a loan payoff. They are denying me my right to sell my home!!!!! Why ca n't they provide this payoff?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Speedy cash sold my file to XXXX XXXX XXXX XXXX. This was paid and has been disputed with XXXX XXXX several times. They reported on all XXXX credit bureaus, received an attorney letter plus has been disputed with all XXXX credit bureaus since XXXX 2011 and they refuse to remove it. Statute of Limitations in Texas is 4 years. They are a debt buyer illegally reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: The Thomas Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Estoppel letter dated  XX/XX/XXXX, was presented to  The Thomas agency as a result of their default in dishonor, via tacit acquiescence, regarding  previously served  Cease and Desist / Verification of Debt  of which was received by their office  XX/XX/XXXX, substantiated by certified receipt  XXXX. The Thomas Agency (Collection Agent) was legally  estopped  from  collecting and or  reporting any/all of those alleged debts listed in Attachment XXXX, And yet, as of XX/XX/XXXX, the Thomas Agency continues to  illegally report  these alleged debts as though  they are valid to all XXXX credit bureaus. Those alleged debts the Thomas Agency continues to report have never been validated though request for validation has been made over and over again. XXXX written request for validation was sent to the Thomas Agency XX/XX/XXXX with no response. A XXXX request for validation was sent to the Thomas Agency XX/XX/XXXX,no response. A XXXX request for validation was sent XX/XX/XXXX, no response. Last request sent XX/XX/XXXX, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Nelnet, Inc.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My problem is with Nelnet. My student loan debt has exchange lenders several times I applied for a home loan in XXXX  but was DENIED because my student loans are now in DEFAULT for non-payment. As a veteran, this information is now showing up in XXXX, which denied me for approval. 

Nelnet canceled my income-based repayment plan and found out that MY loans were NO LONGER eligible for CARES deferment under the CARES ACT. Though the Biden-XXXX Administration extended the moratorium until XX/XX/2022. 

Nelnet has been calling me DAILY, asking me to call for debt solution options, but my only option given is to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX repossession My credit file has been hacked in the past and someone used my information. XXXX did remove this due to invalid information and it is still reporting. I have a agreed to pay half of this amount to get this removed but when I contacted the company the told me attorneys were involved and my total was now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Caliber Home Loans, Inc.
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I sent in my XXXX paperwork to Caliber Home loans. I continue to get letters saying that they need all the required documentation. When I asked what specific documents that still needed they continue sending the same letters asking to get the required documents. I currently do n't know what the status of my mortgage account is after requesting to start paying on account to get current again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Other

Complaint:
I purchased a jewelry item in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX, XXXX in XX/XX/XXXX, but Capital One posted it to my account on XX/XX/XXXX for an amount of {$2400.00}. As a result of this I lost US {$100.00} because of the conversion since the XXXX currency became stronger. When I called them to complain about it after noticing the transaction the first time in XXXX they said I should talk to the jeweler. The jeweler said that they had sent the transaction to Capital One immediately. When I called Capital One today I was told that they would do nothing to reimburse me for my loss in the conversion. I first talked to an agent who said he could not help. Then I asked for the manager and she was downright rude and unpleasant. I seek the help of CFPB for investigating this matter and recovering my compensation. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Original complaint is XXXX. I responded to that complaint with my rejection of Bank of America 's Regulatory Specialist, XXXX response. But more recently I received his letter that states there is no evidence to support my claim of customer neglect and abuse. However, in our live phone call he stated the opposite to me, ie. that they had in fact uncovered customer service habits and practices that need improvement.When I asked him how the improvements were going to be made, and what exactly they uncovered, he stated that that was proprietary information so in fact he TWICE acknowledged that there are issues. He also stated that this determination would be in his letter to me but in fact it is not. I want to document these deliberate inconsistencies as attempts to cover up facts. I did in fact experience poor customer service, as well as possible age discrimination because XXXX loan officers, over the phone, and over the course of an entire year, rejected my requests for information regarding refinancing by stating I was ineligible. Mr XXXX, the Regulatory representative, conversely told me over the phone that there are other programs for which I could apply. He then proceeded to attempt to blame me for not pursuing an application! I asked him why I would do that when I was advised by XXXX loan officers that I basically would be wasting my time. I want this update to go to Bank of America relevant employees, including Mr. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
All of my students loans are consolidated with Navient, and i have been working to build m y credit score. A  couple days ago I checked my score to discover that it had dropped  XXXX  points. The remarks stated that it was from a loan with  the US Dept.  of  Education that g ot sent to government collections between  XX/XX/17    and  XX/XX/17   . I have contacted every student loan service and Ombusman group and none of them have any information about the loan in question. I need to get to the bottom of this and ge t my credit score cor rected.

Company response to consumer: Closed with explanation