BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a pay-option ARM loan that was originally with XXXX. This loan was later sold to XXXX XXXX XXXX. My loan was included as part of XXXX class action settlements, once from the state of Arizona and again through the National Mortgage settlement. For 6 years, XXXX XXXX XXXX refused to modify my loan pursuant to the terms of the court ordered settlement. On XX/XX/XXXX my loan was sold to Caliber Home Loans. I sent copies of all court documents to Caliber and asked them to comply with the court ordered settlement. On XXXX XXXX I received a letter from Caliber stating that " Caliber has no affiliation with the defendants referenced in the documents. As such, we are not able to address the matter '' I find it hard to believe that I lost all of my rights under the settlement agreement just because XXXX XXXX XXXX sold the Loan to Caliber. Especially since I received a letter from Caliber on XX/XX/XXXX that specifically stated " The transfer of servicing of your mortgage to Caliber will not affect any term or condition of your mortgage '' Caliber refused to provide a single point of contact and I spent many hours on the phone talking to multiple people. I was frequently promised call backs from supervisors and representatives that never occurred. I was told my loan was going to be reviewed by a legal department but it never was. My loan was dual tracked while I was applying for a loan modification in direct violation of the court order. 
I did submit all required documents to Caliber for a loan modification. I was told by XXXX ( ID # XXXX ) on XXXX XXXX that Caliber had recommended a loan modification to the investor and that they were waiting for the investor to approve it. XXXX also stated that I would be contacted by the manager XXXX ( ID # XXXX ). XXXX never contacted me. On XXXX XXXX I received a call from XXXX ( ID # XXXX ). She informed me that my modification was declined. She stated that no other options would be made available to me and that my home would foreclosure on XX/XX/XXXX. Due to the dual tracking of my loan I have no time left to dispute the foreclosure which will occur tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Balance {$0.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

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 2022-07-13
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Between XX/XX/2019 and XX/XX/2019 my checking account was embezzled of {$49000.00} this was in two months.Strongly believe there might be more fraudulent activity in my account.My XX/XX/2019 statement was swindle out of $ XXXX XX/XX/2019 I was taken for {$24000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is re-opening the complaint that Wakefield provided in which they claimed the debt was owed. We have provided this by mail previously. Our family deductible was met prior to the date of the medical visit, which covers the aforementioned debt. Attaching the bill and the date we previously disputed it. Bottom line, our debt is not valid. 

Wakefield & Associates trying to collect for XXXX XXXX. This is a medical charge. We met our maximum family deductible in XXXXXXXX XXXX  2021. We provided documentation multiple times to CEP, to Wakefield, by mail. XXXX  collector said it was likely mailed to a different office and she hasnt seen it. She said she was still going to try to collect the balance. My daughter has an XXXX XXXX XXXXXXXX so we hit our deductible very quickly every year. We provided audited health documents to both entities ; they just ignore them. Our health provider says we dont owe anything. This collector is a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2015 I was told by a Green Tree Rep. that if I were to pay back escrow in the amount of nearly XXXX my mortgage payment would be XXXX per month. I called back the next day to confirm with another rep. that the information I received was correct. They said yes, if I were to pay this then my monthly mortgage payments would be the XXXX per month. I paid by debit from checking account over the phone. This was ALL the funds I had ( employed by local school district so this money was to last until the start of the XXXX school year XXXX. I received my next mortgage bill and it was different by only a few dollars. I called Green Tree and the rep. said that I had been misinformed. I had an emotional break down. They received nearly XXXX dollars from me and nothing. I have not even received a receipt showing where those funds were applied to. I have stopped payments until this matter is cleared up and waiting to hear from legal council.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as UPDATE these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX XXXX XXXX  XXXX Balance {$XXXX} The late history should not be showing late because I think I paid on time. Please update the late payments from this account. 

DPT EDXXXX XXXX Balance {$XXXX} XXXX formally request the removal of late payment from this record. I don't think I was late in the months reporting. 

XXXX XXXX XXXX  XXXX Balance {$XXXX} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX Balance {$XXXX} You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2016-10-06
Company: Debt Recovery Solutions, 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:
I do not recall this debt, please verify. Also, please verify statue of limitations and cease negative reporting to credit bureau.

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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, 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. 

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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act Convergent Account # 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 2022-03-21
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
pnc allowed XXXX and XXXX law firm to take XXXX from my checking account that i got from short term XXXX and working XXXX weeks at my job after taxes XX/XX/XXXX to XX/XX/XXXX and using XXXX weeks of paid time off XXXX weeks used for XXXX hrs after taxes totaling approx XXXX for entire year XXXX to date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: SC
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, 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. 

XXXX - XXXX - XX/XX/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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act Convergent Account # 1234, 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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been enrolled in the Rate Reduction program with Navient for the past XXXX years. Every XXXX months I have to reapply and the interest rate is adjusted. To be on this program, Navient requires a direct withdraw from my checking account. For the past XXXX years, my monthly payment has been allocated incorrectly between my multiple loans. Each month there are adjustments made to move the wrongly allocated payments to my other loans. This renders my statements useless as a tool for me to understand how my payments are being distributed, how much is going towards interest, how much is going towards my balance, etc. 

Over the years, I have attempted to fix this problem with Navient. Each time I try, I am given a reason why this has happened and I am assured the problem is fixed ( each time it 's a different reason mind you ). Unfortunately, I 'm being lied to each time because the problem has never been fixed. 

Earlier this year, when I reapplied for the Rate Reduction program, I explained this ongoing issue to the Navient employee doing the paperwork. He assured me that the problem would be fixed during my enrollment for the next year. Unfortunately, once again, the problem was not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: GA
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 received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX USA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. Identity Theft XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

7. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

11. Identity Theft XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

12. Identity Theft XXXX XXXX  Date of inquiry :XX/XX/XXXXPlease remove it from my credit report.

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

14. Identity Theft XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

15. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

17. Identity Theft XXXX XXXX Account Number : XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am submitting this complaint against Great Lakes Educational Loan Services in regards to not providing me with information regarding loan repayment programs such as XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX during the time Great Lakes Educational Loan Services served my student loan from XXXX to XXXX. Despite I worked for a non profit XXXX organization for 6 years during XXXX to XXXX, it looks I am not getting credit under the XXXX XXXX XXXX XXXX due to the fact that Great Lakes Educational Loan Services did not enroll me in an Income based XXXX XXXX XXXX. Instead, my loans were put in Deferment. I am the first one in my family to attend college. I come from an underserved background. I was not informed by The Great Lakes Educational Loan Services that I could had been enrolled in an Income Based Program instead of putting my Loans in Deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Nationwide Recovery Systems, Ltd
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the last couple days I've received at least 8 calls starting as early as XXXX all the way until XXXX at night. I've tried to tell them numerous times to quit calling me and to send all documents through the mail to the address on file and they refuse saying they can't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax report a collections account XXXX XXXX XXXX XXXX  I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account I NEED PROOF OF ACCOUNT OR DELETE IMMEDIATLY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
See attached FRAUD CLAIM XX/XX/XXXX {$470.00}. Temporary Credits made permanet NEVER APPLIED AFTER 10 TEN MONTHS OF INVESTIGATION. See attatched STATEMENT XX/XX/XXXX. ONLY CREDITS ARE MERCHANTS CREDITS. Where are the timely USAA temporary credits USAA CONFIRMS WERE MADE PERMANET THAT HAVE NEVER BEEN MADE. 10 TEN MONTHS LATE? THEY DO NOT EXSIST. Why was I descriminated against because of my age or was it my XXXX? WHY WEREN'T MY FRAUD CREDITS MADE TIMELY? WHY WEREN'T CREDITS CONFIRMED PROVIDED PROVIDED AS WITH THOSE ABLE TO GO ON LINE ALWAYS ARE PER USAA POLICY? DISCRIMINATION AGAINST XXXX  XXXX CONSUMERS? XXXX  XXXX  ARE NOT ABLE TO GO ON LINE WHEN USAA IS NOT ADA ACCESSIBLE. No man in blue ADA ACCESS. NO WAY TO RESOLVE TARGETED XXXX XXXX CONSUMERS FRAUDS. XXXX USAA STILL NO RESOLVE. ALL OTHERS WOULD BE PROVIDED CREDITS TIMELY OR AT ALL, BUT NOT ME A XXXX XXXX  CONSUMER THAT NEEDS MORE PROTECTION THAN THOSE LESS VULNERABLE!!!!!!!!!!!! AND A 35 YEAR MEMBER XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with that offered a {$100.00} dollar sign up bonus after direct depositing {$2000.00} per month for XXXX months. More than XXXX days after that ( the time window they stated they will deposit the bonus within ) I still had n't received it so I called to follow up. I was told that they would investigate it, a few weeks later I received a letter with the terms of the offer again implying enrollment. Since I heard nothing further after a while I followed up again. This time I pressed for a response and was told that because I have previously received such a bonus I was ineligible. After this I reread the original terms which stated that you must not have had a Bank of America checking account within the past 6 months which I met. I was told that I did n't qualify but not given a satisfactory answer by the customer service representative of why but she agreed to have me contacted in the future with an explanation of the specific part of the terms that I failed to meet within a couple of weeks. I never received that follow-up.

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 monetary relief