BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-10
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am trying to make good on my payment with Universal Recovery XXXX, and I called them to pay the debt but I requested that I would like to make good on my debt IF, they would take my debt off, and clear my account so that it does not show up on my credit report anymore. Universal XXXX told me that they would not be willing to guarantee that. I asked them " why would anyone want to may the debt if it is not going to positively or accurately be displayed on their credit. Here I am trying to pay my debt. I also tried asking them if they would be able to mail me a letter stating that upon receipt of payment, we will take off the debt collection. They would not do that. What do I do?????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Capio Partners, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They asked me for personal information. i told them i dont give that over the phone. The guy told me so your not ready to cooperate hung up and called me XXXX time s in a row. I called them back and ask them to stop. he then stated that he need to verify me again. i said i dont know you and i wont give you personal info he said we ll keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # 's XXXX ; XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$82.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$81.00} ; XXXX  XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
HSBC I 've received your XXXX/XXXX/17 response and there has been no reply to the complaint..Please address a letter from HSBC to XXXX with authorization to be signed and dated, to have this account researched. The fact that I 'm not a signer on the account is not my fault, therefore does n't justify you ignoring the the complaint.Please provide the document you are requested or my Attorney will.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Javitch, Block & Rathbone LLC
State: IN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I need your help with a third party debt collector Javitch Block LLC. They are suing me and I suspect without any meaningful attorney involvement. They sent a extension to my motion to dismiss to the courts to obtain documents. They wrote in the first paragraph it was for XXXX XXXX XXXX XXXX XXXX XXXX and then the last paragraph they put XXXX XXXX XXXX XXXX XXXX XXXX. I do not owe this company money and they have not verified any documentation nor did I give them permission to obtain and use my personal information. I have had several XXXX and this added XXXX is not helping my condition. I have heard Javitch Block LLC in XXXX Ohio is a debt collection agency who uses unfair practices and threatens to destroy people and have an attorney XXXX XXXX. I do n't have a lawyer because I can not afford one and have a child to take care of. This purported debt has gone to XXXX other third party debt collectors and none of them could verify it and they all have different account numbers for this purported debt and I have never had a contract with this company or heard of them. Can you please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted XXXX XXXX XXXX # XXXX regarding a mortgage. I explained to him from our initial conversation that I previously had a short sale and wanted to know if I would still be eligible for a mortgage, he proceeded to ask me for personal information and replied that there would be no problem in getting me approved. I disclosed to him that I wanted to buy the same house I previously owned, he stated that would n't be a problem. He provided a pre-approval and had me complete and signed disclosures. One week prior to closing and after paying for inspection/appraisal and attorney fees he called me and stated it could n't be done. We started to look again for another house, found one and he said that now we would n't have an issue ( all supported by emails, text and conversations with my attorney ). Again I paid for inspection, appraisal and he came back almost 2 months later stating he was asking for an exception and needed additional documentation. I was told by his previous employer XXXX XXXX XXXX that this was not the 1st time he did this to a client which is why they were in the process of firing him before he left. He is now at Caliber Home Loans, he is deceptive and treated me unfairly. He should not be allowed to work in this line of business as I am sure I am not an isolated case.Having me incur over {$3000.00} in expenses in addition to time and XXXX clearly demonstrates he is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I received loan for my daughter that was cosigned by my parents which my parents paid off. Before they completely paid loan off they had filed bankruptcy and there was only approx. a {$1000.00} balance left to pay off. While filing they agreed to continue to pay the remainder balance which they did now Navient which was previously XXXX XXXX are trying to charge me for the intial loan that has already been paid off. They have received legal documents showing that the loan was paid off and they still refuse to clear my credit report with the false claims they put in my name trying to receive over {$8000.00} for account that was completely paid off. They removed my mothers name from the account and produce an account with my name on it only charging me the whole balance of the initial agreement that was already completely paid off by me and my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: AES/PHEAA
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have Federal studen loan that was paid in full and leaves still on the credit that has not been paid for me as I have it removed? 

Why

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
working with Caliber Home Loans was the most XXXX and horrendous process that I have ever dealt with for one of my clients. As a XXXX, we deal with many lenders on a weekly basis and I will NEVER recommend Caliber to another client. In fact, I will strongly discourage any client, friend or family member to do business with Caliber based on the service that was provided on this transaction. 
XXXX XXXX, who is the branch manager in the XXXX XXXX office, needs to be instructed on professional courtesy and also needs to better informed when pre-approving a buyer and misleading them with false information upon initial contact. He was very unprofessional not only with my client but also hung up on me and was extremely rude to me on several occasions. He and the others who worked on this file missed several deadlines and also encouraged my buyer to break rules on a HUD contact. They incorrectly scheduled the appraisal and then informed my client that he would be responsible for the additional fee for an appraiser to go out there and re-do the appraisal based on misinformation that was given by Caliber even though we gave very specific instructions that the home was being sold as-is. On top of the issues throughout the process, we got to the final week of close and my buyer was informed that they had incorrectly calculated his DTI in the beginning and that he actually was not approved for the loan. Nothing had changed in my buyers debt or income, only the calculations by the mortgage officer were incorrect. We were able to resolve the issue ; however, it still took Caliber a week to prepare the closing docs and we missed the HUD contract deadline due to this delay. Once finally done, the docs were sent with incorrect data TWICE and had to be corrected. After all of this, when the loan funded, the closing agent LIED to the title company about having processed the wires when in fact, they had not worked the file. In the end, Caliber scrambled to get the funding over prior to close on Friday and, in their haste, sent the funds to the wrong title company. We are still waiting for this issue to be resolved. The practices throughout the entire process were misleading, untrustworthy and the absolute worst service I have ever seen from any lender I have ever worked with. They caused much undue stress on my XXXX-year-old client, the title company and myself. 
I am happy to give more details on this situation if necessary. I would love to see some sort of compensation for my buyer although I am unsure what could be done to make up for the nightmare that he was put through during this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a Real Estate mortgage with XXXX in XXXX. In XXXX I filed for Chapter XXXX Bankruptcy. In the Chapter XXXX Bankruptcy I surrendered the Real Estate Property to XXXX, the bankruptcy was discharged in XXXX, XXXX. In XXXX Caliber Home Loans, Inc. bought the Real Estate Loan from XXXX. In XXXX, XXXX I began receiving late statements from Caliber Home Loans. I had contacted Caliber asking that they stop sending me statements, that the loan was surrendered in Bankruptcy. I had gone to court on one occassion and informed the representative of Caliber Loans that we had surrendered the property. The attorney 's office was to inform Caliber. Caliber stopped sending statements. However, Caliber was reporting late payments on my credit reports. I called Caliber and told them that they could not report late payments on my report due to the Bankruptcy rule and gave them my case number. They actually refused over the telephone. As of XXXX/XXXX/XXXX, the Account Status on my XXXX Report was " OPEN '' and Payment Status was " LATE. '' Although Caliber Home Loans flagged my credit report on XXXX/XXXX/XXXX and states " account as BANK ADJUSTMENT / DEED IN LIU / BANK LIQUIDATION '' my Credit XXXX score is and has been affected all these months due to their negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Issue: Other

Complaint:
I recently applied for a refinance loan through my local credit union and was denied because XXXX-XXXX card reported last year that they closed an account of mine in XXXX due to bankruptcy. I had a bankruptcy fully discharged in XXXX. Now this report looks like I have a bankruptcy in XXXX thus impacting by credit and ability to borrow money. I also contact XXXX directly because this only reported like this late last year and never showed like this beforehand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19
Company: JAMES B. NUTTER & COMPANY
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying for the past five to submit a request for assistant for my client who has a reversed mortgage with James B. Nutter & Company. I submitted all of the information requested by the Mortgage company including an authorization to release client information from my office. I was told that they would not use my Authorization, I have to use their own authorization. They forwarded to my their authorization and I completed. Thereafter, I was told that was the wrong authorization, to resend them a letter with my company letterhead that I represented the client along with the original authorization that I sent them the first time. Again, It has been over four months I am yet to be approved by James B. Nutter to get information on behalf of the client. At the present, the property is pending foreclosure. My clients do no want to lose their house. I need your held in assisting myself and my client.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX recently helped in getting my mortgage payments and to help avoid foreclosure. I signed the agreement and recently got notified that my pension would decrease {$760.00} in XX/XX/XXXX when I turn XXXX. Caliber did help me in trying to keep my home but the payments were changed from the trial amount to {$760.00}. Since I am loosing almost the amount of my mortgage payment I will still be facing hardship. XXXX said I qualified for a $ XXXX payment. Will u please work with me and lower my payments. I bought the home in XX/XX/XXXX when my daughter was a baby so she could have a place to call home which I never did. I worry always about having to move and need your help desperately. Please help me.. Bless you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Portfolio Recovery calls me 2 to 3 times a day even after I told them the case was dismissed in court and I asked them not to call me anymore. I was told they would keep calling me until it is resolved. 
It was a credit card debt and I went to court, it was dismissed XX/XX/2015 because I am XXXX and on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XXXX at approximately at XXXX. I received a call from XXXX ( which is the name that appeared on my screen ). This man asked to speak to my daughter ( he did not identify himself ) and I proceeded to tell him that she did not live here. He asked if there was a better number to reach her at and I stated no. He paused for a moment and then said " XXXX '', it was very plain and loud. He then hung up. I called the number, XXXX and it was identified as Portfolio Recovery, a debt collection agency. I asked to speak to the Operations Manager or Compliance Manager. I spoke to XXXX XXXX, Ops. Mgr. I told her what had happened and she apologized. She asked that I call her back at her direct line to ensure she had all the info she needed. I called her at XXXX ext. XXXX and she answered and advised me that she had all the info to investigate. I asked if she pulled the call and she stated she had all the info. I asked that my number be removed and she stated that it already had been. At XXXX the same day I received another call from the same number but no one identified themselves and after a moment of me saying hello they hung up. I called XXXX XXXX back and advised her that they had called again and that she did not do what she stated. I advised her that I would need to contact my attorney and also file a CFPB complaint. Not only is this a FDCPA violation, but totally unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Year 1996 American Express sent letters, phoned me and clamed I was XXXX XXXX XXXX I am XXXX XXXX XXXX To this date I have the bill show up on my credit report. I get it removed and again it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: Sarma
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was working with XXXX XXXX XXXX ( XXXX XXXX ) for my mortgage requirement. 
1 ) XXXX made first enquiry into my my credit report on XXXX XXXX and suggested me to pay one of card to reduce my balance. 
2 ) After I pay the card and send him the proof of the payment, he suggested me that he will be able to do rapid rescore so that he will be able to give me some competitive rescore. 
3 ) He also told me that for rapid rescore, they do n't need to re pull credit report again. 
4 ) I trusted him as I understood that pulling credit score is a standard practice in the market.for mortgage loans application. 
5 ) XXXX made another query into my credit report on XX/XX/XXXX where he never took my permission again for this XXXX query in my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
After a year and a half working with HSBC mortgage on a loan modification, I was told that my modification was denied due to insufficient income. I filed an appeal and was denied a second time. In speaking to one of the representatives, I was told that my expenses exceeded over {$7000.00} per month which is incorrect. I was also advised by my counselor that my interest rate increased in XXXX 2016 from 3.25 % to 4.25 %. I was never notified of an interest rate change. During the modification process HSBC refuse to take my mortgage payments and now I am over {$25000.00} behind and facing foreclosure. This is my second time filing a complain, my first case was closed without any resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
The company XXXX American Express XXXX continued to call my cell phone as much as XXXX times a day, XXXX and XXXX included, regarding someone else 's account for months after I complained to them -- and they admitted -- that their issue was with another customer, not me. Repeated promises to stop the dunning calls were dishonored. No one at AE ever stopped the harrassment, even after many promises over months and multiple attempts to work with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is yet another complaint against Ocwen, XXXX XXXX XXXX XXXX and the law firm of XXXX XXXX XXXX. Because of Ocwen 's unwillingness to settle this issue and demand a refund from my XXXX. for money Ocwen illegally paid my XXXX. XXXX XXXX XXXX XXXX. from a bogus and possible illegal invoice from XXXX XXXX XXXX XXXX. - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. has foreclosed on my condo. The sale of which is to take place on XXXX XXXX, 2016. This needs to be stopped. My lawsuit against Ocwen, XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX has not even been tried yet. Again, I believe that they are all in collusion together. I also believe that XXXX & XXXX XXXX be miss reprsenting the XXXX. This has got to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I SENT THIS COMPANY A COPY OF MY CREDIT REPORT SHOWING I DID NOT DO BUSINESS WITH THE COMPANY THAT THEY ARE COLLECTING FOR SINCE 2006 IN WHICH THAT ACCOUNT WAS PAID FOR. I HAVE NO KNOWLEDGE OF WHAT THEY ARE COLLECTING FOR AND THEY HAVE NOT SENT ME ANY EXPLANATION OF THIS DEBT EVEN AFTER I SEND THEM CORRESPONDENCE ADVISING THEM THAT IT WAS NOT MINE. NOW THEY ARE STARTING SOME LEGAL PROCESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017, we were contacted by XXXX Aguisitions ( threatening ). It was about a credit card debt of {$300.00}. Payment arrangements were made and payments taken from bank account on XX/XX/2017 for {$100.00}, XX/XX/2017 for XXXX, and XX/XX/2017 for XXXX. That was to pay off debt. Today, XX/XX/XXXX, we get a letter from Midland Credit Management stating we owe the debt. I called them, and they insisted we owe it, and if I wanted to dispute it, they would put it into litagation. I have bank statements showing the payments taken out to pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked midland funding to furnish proof that indeed this account on my credit report is mineThey are not validating and said they do n't have anything listed on my credit report

Company response to consumer: Closed with explanation