BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It is impossible to get anyone on the phone. No matter what number you press when you call you are directed to a fully automated system and there is no way to get transferred to a live human. I want to refinance my loan and had to call a completely different number to finally get a human and was of course transferred. I am currently on hold and have been on hold for 2 hours and 35 minutes and counting! There system doesn't tell you how long the wait time is or what place I am in line so I have no idea if or when I will ever speak to someone. I had to hang up as I could not wait any longer. I need to speak to a human that can help me with refinancing ASAP. 

If you have the misfortune of having your loan transferred to this company I suggest you refinance with a different company and get out as fast as you can!

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 2020-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Spoke with Capitol One on XX/XX/XXXX in regards to the status of an ongoing investigation and complaint submitted on my behalf by CFPB on XX/XX/XXXX. I was informed that they have came to the conclusion that I was responsible despite evidence submitted. They failed to update CFPB in regards to this update as their previous response was that they were still working on the issue on XX/XX/XXXX. If it is still being investigated it should not appear on my credit. If it was closed CFPB or myself should have been notified. I will note for the record that my credit card usage is over 350 % and I have 100 % on time payment history and my credit score was significantly impacted. Over 90pts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Caliber Home Loans has engaged in the prohibited pattern and practice of XXXX Foreclosures. The new and old lenders have colluded and conspired to do a XXXX Foreclosure. Caliber Home Loans is effectively acting as servicing arm for XXXX, a private equity vehicle packaging up XXXX of dollars worth of troubled mortgages. XXXX has packaged lots of funds, but the most recent significant ones are XXXX XXXX Master Participation Trust and XXXX XXXX Master Participation Trust. Based upon the information that I 've gathered, it appears XXXX sold its interest to XXXX Master Participation Trust while the loan was subject to a foreclosure lawsuit originated by XXXX. Instead of discontinuing the lawsuit, or substituting XXXX Master Trust as a plaintiff, XXXX has continued the Foreclose lawsuit under the representation that it is the owner of the loan without notifying the court that the ownership has changed. 
On XXXX XXXX, XXXX, XXXX was [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ). XXXX is claiming to be the owner and holder of the note and mortgage on XXXX XXXX, XXXX. No documentary proof exists showing XXXX was actually the owner and holder of the note and mortgage at the same time. Caliber Home Laons stated that XXXX was the previous servicer of the loan. This is not true and patently false. ( emphasis added ) XXXX was never yhe previous servicer of the loan. 
XXXX. ( " XXXX '' ) is a Delaware corporation and an affiliate of XXXX XXXX XXXX with headquarters at XXXX office in New York. XXXX was the sponsor of the XXXX transactions described in this Order. As sponsor, XXXX purchased mortgage loans from originators and sold them to depositors for resale to the XXXX trusts. 
On XXXX XXXX, XXXX, the Securities and Exchange Commission ( " Commission '' ) issued an Order Instituting Cease-and-Desist Proceedings Pursuant to Section 8A of the Securities Act of XXXX and Section 21C of the Securities Exchange Act of XXXX, Making Findings, and Imposing a Cease-and-Desist Order ( " Order '' ) against XXXX ( " XXXX '' ), XXXX., XXXX, XXXX, and XXXX ( collectively, " XXXX XXXX '' or " Respondents '' ). 
In the Order, the Commission found that the Respondents engaged in misconduct including misrepresentations or omissions in the offer or sale of residential mortgage backed securities ( " XXXX '' ) relating to two undisclosed business practices that violated Sections 17 ( a ) ( 2 ) and ( 3 ) of the Securities Act of XXXX ( the " Securities Act '' ). 15 U.S.C. 77q ( a ) ( 2 ) and ( 3 ). 
Caliber Home Loans has also violated PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: CURO Intermediate Holdings
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid taxes for amount of balance difference for 2014 federal tax income. Issue should not be on my report any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
State: CA
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 KNOW XXXX XXXX XXXX AND ALL THE CREDIT REPORTING AGENCIES DONT CARE ABOUT CONSUMERS, BUT I NEED SOMEONE TO HELP ME. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT PROFILE, THE CHARGES THE PAYMENTS AND THE ACCOUNT ARE FRAUDULENT. AT THIS POINT I AM THINKING THAT THIS IS SOME KIND OF A SCAM, IETHER THE CREDIT REPORTING AGENCIES OR THE XXXX  XXXX XXXX IS SELLING MY INFORMATION TO THE THIEF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Sequium Asset Solutions, LLC
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: Investigation took more than 30 days

Complaint:
I have spoke with XXXX  and they said would call Sequium and have them cancel the account and recall it.. Sequium still has not  taking anything off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ftc violations filed with XXXX  and sending you this to finish my report on all 3 company

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 2019-02-16
Company: Experian Information Solutions 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 have been trying to get Experian to update my report. They show a KD on acct # XXXX & XXXX when my account has been paid in full. I know if they sent a request to XXXX XXXX, they would see this has been paid in full. As it stands this is not accurate. This is hindering my ability to obtain credit.

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 2020-08-13
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed an insurance claim and my insurance company paid {$81000.00} for damage to my home. They included Newrez on the  check with me, since we both have an interest in the property. NewRez asked me for documents to verify that I have completed the work that I'd like to collect the funds on. I sent all of the requested docs. NewRez never called, so I followed up and they said I only needed a license for the contractor I used and they'd release the funds. I got the license and sent that in. NewRez sent an email saying they were processing the paperwork, but never followed up again. 
So I called and then they told me that the documents I sent before I sent the license are not correct now. They didn't bother to tell me that weeks prior when I followed up and only mentioned I needed a license. So I paid for all of this work to be done and they are still holding 100 % of the funds months later, as I pay interest. Also, I own about 25 % of value of the home, so there's no reason they should be holding every penny of the amount given. 
They were not satisfied with the paperwork, so they asked me to follow up with the contractor again only after I called again. 
NewREz is clearly holding the money hostage. They make no effort to do anything unless I call them, and every time I call them they need more documentation or they tell me something isn't right. 
I asked about the interest on the money that I'm paying and they're collecting while holding it and they only tell me that I can get what's in the account only. So they're profitting while I'm out of pocket as they hold the money hostage. 
I informed them that I'd file a formal complaint and then they said they'll get someone out right away for an inspection. This company is ruthless and leave people hanging as they profit. If this is typical of their business plan they should be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Aqua Finance, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told by XXXX, that they would run a credit application to get us financial approval to install a new roof on our home. XXXX called back a few weeks later and said we were approved to get the work done! I asked them how much was the approval amount! They stated XXXX! I also asked them, what would be the monthly payment, they stated XXXX dollars! The contractor stated that they would send a crew out to start the job in a few weeks! A few weeks later, they did start the job! Their entire crew only ended up being XXXX guys! These XXXX guys rushed to hurry up and finish the job! They were on top of the roof during the late evening in complete darkness hammering and nailing! The contractor told them to rush so that they could meet the deadline to start the next job! And that is exactly what they did! They did a terrible job, and the quality of work was bad! We did n't receive any paper work until the job was done! The Paper work was not the same! We received different papers on XXXX different occasions to sign! We did n't have the option to to cancel the job in the 3 day period that was stated in the paper work! We did n't know about that option until after the 3 day period had already expired! We did n't think we had a option to decline, especially since the work was now completed! Then we made the first payment of XXXX dollars to Aqua finance company, instead of the pay off amount going to a lesser amount the pay off amount went up in price to XXXX dollars! Then we received a bill statement outlining the details of the loan! The XXXX dollarso only went toward the interest rate, instead of the pay off balance! In order for the payment to go toward the interest and the pay off balance, we must pay the minimal payment of XXXX dollars instead of the XXXX dollars! We are also being charged XXXX dollars late fees for payments not received within 10 days and our APR may increase to the penalty APR of XXXX percent! I blame XXXX for setting me up with this predatory lender Aqua finance! My credit score was XXXX during the time the roofing work was approved! I also got approved to buy a XXXX dollar vehicle during the same period! I really beuylieve, I should have got a better financing option than what I was offered! The worker from XXXX XXXX stated we always go with the first approval! This first approval, is set up for me to fail! This is a total rip off! Please help me get a fair and reasonable loan which is not going to take advantage of 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 2016-04-19
Company: Alorica Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receive multiple calls per week from XXXX and they leave a message saying I need to call them because they are trying to collect a debt. However, I have no outstanding debts and they have not provided the required 10-day written notice for any debt claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: VW Credit
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After the car was returned to Volkswagen back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We received a Loan Modification Approval in XXXX 2016 from Caliber Home Loans. They required a reinstatement fee / good faith payment of {$2300.00} by XXXX XXXX, along with the documentation for the modification. We sent the executed modification documentation along with the fee, via cashier 's check and XXXX, which was received by Caliber on XXXX XXXX, as verified by XXXX delivery tracking. On XXXX XXXX, we were notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that Caliber had submitted a bid to purchase our home at Foreclosure Auction on Wednesday XXXX XXXX ( 2 days from now ). We 've been advised by XXXX that we should file a complaint against Caliber for " dual tracking our loan '', which is what we are officially doing with this communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a medical bill paid off entirely and even the account it self states the balances is XXXX 2 years ago. I got a call on XXXX by debt collection agency claiming that I owe XXXX dollars and I have to paid the debt. I never got a notice of the bill or invoice or anything for the past two years since the date of service. I just received a collection agency bill yesterday. I check my mail every night after work, did not see any medical bills in there. For two years after I paid the medical bill off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In previous correspondence to the CFPB, Transunion stated that they started an investigation on my credit file regarding my dispute with XXXX XXXX. Recently I received a credit reported dated XX/XX/XXXX - two days after XX/XX/XXXX as noted by Transunion in response to my previous CFPB complaint. 
This updated report dated XX/XX/XXXX shows a XX/XX/XXXX late payment - this is inaccurate! How can XXXX report a late XXXX payment when the account was paid off in XXXX on XX/XX/XXXX? The credit report also shows a balance of {$780.00} with a past due of {$750.00}. Where is this coming from? This is all completely inaccurate on my credit file. I have provided Transunion with proof of payment IN FULL from my insurance company in XX/XX/XXXX as well as the payment history on that account. FCRA states that the credit bureaus are responsible for ensuring that accurate and ONLY accurate information is reported. Transunion is allowing this creditor to report multiple errors at different times to my credit file. As the credit bureau Transunion IS NOT ACTING in accordance with the FCRA to protect my consumer file. I have attached the most recent update Transunion mailed to me.

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 2022-10-25
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I notified mortgage company XX/XX/2021 that the taxes have not been paid on several properties and I was at risk of loosing a tenant due to this being behind, taxes are due on XX/XX/2021. I notified the company several times after that I was at risk of loosing a tenant and the taxes needed to be paid asap. Taxes were not paid and I personally made the payment on XX/XX/2021. Weeks later company sent a check to make this payment after I informed them I personally make this payment and requested that they refund this amount to my escrow account. To date they have not refunded XXXX i personally paid for taxes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Settlement conference hearing at courthouse with Bank of America XX/XX/2019. They gave me a year to sell the house on my own after obtaining a realtor and following other steps which the year wouldve started end of XX/XX/2019 beginning of XX/XX/2019 because I had to fight to get the steps accomplished getting the paperwork in when they would say they didnt receive it & set it for sheriff sale saying I didnt comply. Then they would see that I did and stop it. This happened a handful of times. I complied as best as I could and everything was on time. I did everything they asked me to do and they dont want to hold up to their end of it.

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 2017-06-01
Company: 1ST ALLIANCE LENDING, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made the  XXXX  payment of my mortgage on  XXXX   XXXX .  1st Alliance  and their mortgage servicer   XXXX   charged me a " late '' fee because they assumed the payment was for  XXXX . I had made  XXXX  's payment at the beginning of  XXXX  and am current on all my payments.     This is just a way to fleece money from people. Who heard of charging a late fee when you pay early?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: STATE EMPLOYEES CREDIT UNION
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: Account information incorrect

Complaint:
A personal loan just appeared on my credit reports showing a delinquency date of XX/XX/XXXX. I have not done business with this bank in past 8 years. This information is inaccurate, and I request it be removed from all credit reports. My credit reports show a loan date of XX/XX/XXXX and amount of XXXX and a delinquency date of XX/XX/XXXX. Again, this just appeared on my report and is 8 years old according to the date they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have contacted Transunion numerous times explaining that the following inquires are listed as someone was trying to get accounts opened in my name. I am not working with any credit repair or quick fix company. I am taking numerous hours out of my day from my family to get this corrected and each time nothing. I believe you are sending computer generated responses or not looking and sending the same responses. Please delete the fraud information from my credit report.

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