BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Caliber XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX A complete short sale package was submitted to Caliber on XXXX/XXXX/XXXX. The buyers offer was at $ XXXX. On XXXX we were told the value came back at $ XXXX. On XXXX we were countered to $ XXXX. ( which just happens to be the amount required for a full pay-off - see attached ) We called in on XXXX and spoke to XXXX XXXX. She stated that 2 days ago the investor stated they would no longer offering short sales as an option for a distressed homeowner. The only option the investor would offer was a foreclosure or a deed-in-lieu. I requested a copy of this notification and she said she did not have that, but I could talk to someone in the short sale department. 

XXXX then transferred me to XXXX XXXX. ON A RECORDED LINE XXXX stated the investor just changed their guidelines regarding short sales. XXXX refused to provide anything in writing regarding the supposed changes. XXXX stated neither Caliber nor the investor has to comply with State Law regarding notifying the homeowner when any foreclosure prevention option is removed. 

Furthermore XXXX was sexist and diminutive to me on the phone, constantly interrupting me with his pathetic oh-its-not-me-its-the-investor-im-just-trying-to-do-everything-I-can-to-help VERBOSE VERBAL XXXX. Unfortunately for XXXX, we have done a lot of short sales and a lot specifically with Caliber, and I know for a fact that he is lying. Caliber is a foreclosure mill and quite frankly we expected to have to file a CFPB complaint in order for them to follow the law.
So far, on this file Caliber has been rude, lied, diminutive, sexist, XXXX, committed elder abuse and mortgage servicing fraud. 

Since we have to file a CFPB complaint on every single short sale we have done with Caliber would you like a copy of each complaint? 

I want the CFPB to pull the servicing records for Caliber, as it is obviously an internal guideline ( written/official or not ) to force homes into foreclosure. ( Again this is not the first time Caliber has made up fictitious guidelines with us. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Problems with PayPal and now the XXXX. All customer service are closed and this problem been going on for over a month. I have a balance but I can do nothing but look at. I been trying to contact someone about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX, of Rocket Mortgage/Quicken Loans, said that my wifes employer would not change their status of my wifes employment. XXXX says that my wifes employer says that she has been terminated. This is false since she had a 10 month contract that just expired at the end of XXXX, and she has a new 10 month contract that starts in XXXX. This is not being terminated in any stretch of the word. 
We paid them a {$500.00} deposit to start the loan process that now appears to only have been a ploy. Rocket Mortgage has dragged their feet for over a month on the closing phase. It is of the opinion of both my wife and myself that Rocket Mortgage/Quicken Loans had no intention from the start to close the loan. I believe that Rocket Mortgage/Quicken Loans is running a deceptive business in how they operate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11
Company: American Financial Credit Services, Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
American Financial kept calling about a medical bill they are saying was sent to collection company my husband had paid it off. the company for the medical bill did not inform American Financial of account being paid off. and their rep kept calling me and advised me she would send my account to the credit bureau which they did and it caused a negative report for me. now I want this problem corrected as soon as possible. thank you for your time.

Company response to consumer: Closed
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

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 2016-06-02
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient is applying portions of my private student loan payments to each of my loans, with less money going to my highest interest loans, and more money going to my lowest interest loans, automatically. 

Also, they make it virtually impossible to deal with any issue. I have called tonight about this issue to get it resolved and spoken to XXXX different people and been on the phone for XXXXminutes. You are sent to the XXXX or XXXX, back to the U.S. and then to 2-3 people at least. It seems that they have intentionally structured their contact with customers in a way that makes it really difficult to make any changes to the account ( e.g. adjust payments so that they go to the highest interest loans before the lowest interest loans ) or to get answers from anyone. No one person can handle all of your issues. You have to be shuttled from one person to another and they will not interact via email, except statements and other generic emails. I have spoken to no fewer than XXXX people ( in and outside the country ) and have now just completed a XXXX minute call to get this resolved. Still, the issue is not resolved and they have to have someone call me back. They compartmentalize handling of any one particular issue so that their employees can not possibly see or find any issue with they way they do business because they ca n't possibly understand the big picture, as they only see XXXX small piece of it. 

Has anyone else had this issue concerning allocation of payments to lowest interest loans first? or had a similar issue with how they have constructed their customer interactions?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXXXXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX unauthorized hard Credit inquiries removed as erroneous on XX/XX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XX/XX/XXXX.it is now XX/XX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in XXXX days time period .all letters attached. please remove following inquiresCreditor Inquires DatesCAPITAL XXXX, XXXX XXXX/XXXX/2015, XXXX/XXXX/2014, XXXX/XXXX/2014, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires DateXXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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:
On XX/XX/2021 I received alerts that my score has went down tremendously. I contact the consumer reporting agency to figure out what was going on. I sent a CFPB complaint prior months and my response was that the information wasnt reporting on my consumer report. I have been hung up on. It seems that I can not access to anyone on the phone and when I am speaking to someone they make it seems as if they cant hear but I know that it is bs. I have been treated unfairly and discrimination. I feel attacked and I have several pre recorded calls with me an agents talking and them telling me awful bullying words. I will litigate and file a civil law suit due to discrimination, bullying, privacy of my rights on my personal information, no consent given to consumer reporting agency, which did not interview anyone, reporting false information. My record indicates that several times this consumer reporting agency was able to create false lies. CFPB allowed consumer reporting agency to lie and create this malice to my consumer report causing Defamation trying to ruin my character which damages me and my reputation and that I am irresponsible. My character matters to me and it is important you are the reason for this distress. XXXX and XXXX and XXXX XXXX  isnt worth {$1000.00}. I demand compensation for my health time and interest for the terms that this information was reporting onto my consumer report without my consent. Not giving consent is fraud. I did not give any consent. I did not give any consent.

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 2017-01-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
XXXX just respoded to my complaint stating that they mailed all these letters yet the only verification that they have proof they mailed me anything was the .... XXXX XXXX, 2016 which is clearly shown on BOTH MAILING envelopes they have included as proof they mailed me papers the date is CLEARLY printed above the bar code ... ..they copied the same mailing proof twice trying to say it was sent different times ... .they have no other verification that they mailed me anything REGARDING A MODIFICATION because THEY NEVER DID THEY ARE THIEVES JUST LIKE XXXX AND XXXX THEY USED FALSE DOCUMENTS TO STALL AND STEAL MY HOME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts, names, and addresses I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me 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 2022-05-13
Company: Santander Consumer USA Holdings Inc.
State: MO
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:
Despite XXXX letters being sent to all the XXXX credit bureaus, as well as directly to santander. 

Santander account number XXXX is reporting information inaccurately on all XXXX credit bureaus. 

On XXXX these are the items that are reporting inaccurately : account type open date is The number of months ( terms ) Last reporting date Date of last active Date of last payment Under the fcra is it illegal to report this inaccurate information.This is affecting my ability to get credit. Section 623 states that if an account can possibly be inaccurate, there must be an address conspicuously listed and if not, this account can not report. So this account should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX INQUIRIES : XXXX XXXX XXXX XXXX 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 2021-12-30
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:
On XX/XX/2021, I contacted XXXX XXXX XXXX in XXXX, XXXX for financing and purchase of vehicle. 
I spoke with sales Rep. XXXX XXXX and Finance Rep. XXXX. 
Prior to submitting my application and running my credit profile, I was VERY SPECIFIC AND ADAMANT regarding XXXX XXXX XXXX and XXXX XXXX NOT making more than ( 2 ) HARD INQUIRIES to my Equifax profile account.

Too many hard inquiries 'lowers ' one credit score. 
Prior to running my Equifax credit profile I explained that I had a credit FREEZE OR LOCK on my account and would have to have it removed. 
After removing the credit lock and allowing XXXX XXXX to access and perform the credit screen, I was told afterwards that ( 10 ) INQUIRIES TOTAL were made. 
I was furious with Rep. XXXX saying, " This is misrepresentation and FRAUD, you have ruined my credit score! '' " You didn't do what I asked of you! '' I would also later discover that XXXX XXXX had tried to access my XXXX Credit profile as well but it too was also locked, denying them access. 
There needs to be nationwide government regulations on how many times one ( 1 ) car dealership can " FISH '' around a consumers credit information to different lenders. 
These several actions definitely have a adverse or negative impact on one 's own credit profile and score. 
I DID NOT GIVE CONSENT TO XXXX XXXX TO HAVE MY CREDIT 'FISHED " AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Amity Associates LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To whom it may concern, My name is XXXX XXXX, it seems that I have an open debt collection with Amity Associates in New Jersey. This seems to be due to an amount of money that I owe to a former dentist of mine from 6 years ago. I have just checked what the status of this debt is, and it is open currently. I would like to know why they have this account open and have not made any effort to contact me regarding this issue these past years. My goal is to have a reliable credit score, however this debt collector has a negative impact on my credit score. I would like to settle this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Klarna AB
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I financed an online XXXX  purchase through Klarna in XX/XX/XXXX. I paid Klarna the {$450.00} balance in full in 6 months. In XXXX the concert was postponed and on XX/XX/XXXX the concert was canceled. Klarna emailed to me a statement showing a {$450.00} credit balance. I called XXXX on XX/XX/XXXX and was told that they would issue a refund by check within 21 days. On XX/XX/XXXX I called Klarna again as I had received no check. Klarna had no record of my prior conversation, so they told me they would send a check. On XX/XX/XXXX, I received a check for {$83.00} ... .not the {$450.00} as shows on my Klarna statement. I have made repeated calls to their customer service number and their non-American based agents are so poorly trained that they can not even understand this very basic series of events. Klarna owes me over {$350.00} and it is impossible to communicate this point to them. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Kansas Counselors, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
KNSCOUNSELORS at XXXX called on XXXX at XXXX XXXX attempting to collect a debt. I told them this was my work and they should not call my work again. They called again XXXX/XXXX/2015 at XXXX ( XXXX ). I again asked them to stop calling or I would report them to the FTC and they said tough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recenctly filed a complaint with cfpb to have a bankruptcy to be removed from my Equifax credit report. When the investigation was complete the bankruptcy was removed and XXXX negative items were added. This could be coincedental I found it odd right after a complaint. I 've since disputed the items that do not belong to me but it seems Equifax has no sense of urgency of getting the items removed. I reached out to the creditors and the social security numbers do not match on these accounts that were added. There are duplicates that 's on my credit report this caused my score to drop XXXX pints in XXXX day. They never verified the social security number they just added this to my report. I took the time and contacted each new item on the report and the last four of the social security numbers does not match mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In the last several weeks, CapitalOne refused to open XXXX XXXX XXXX account for me. They claim that this is because of the computer issue with their database. Today, XX/XX/2020, I spoke again with their representative XXXX, employee number XXXX and he again denied me the account. They have been claiming that technical department will fix some unspecified issue at unspecified point of time. It has been weeks, and issue is not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Synovus Bank
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Unfair and deceptive practices ( violation of the FTC act ). Synovus ' postal letters claim that I am not eligible for loan mitigation after 120 days past due. My loan is not 120 days overdue ( i am currently past due on XXXX payment of of XXXX/XXXX/2016 ) however they are denying me that opportunity. I received email from Synovus corporate counsel that I must bring my loan up to date or they will not extend the mitigation opportunity to me. I have the email when we makes that clear. If you want copies of the letters and his email please le me know and I will fax them to you at your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CO
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 Name 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 response to consumer: Closed with explanation