BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a personal checking account ending in XXXX on XX/XX/XXXX online through BM0 Harris Bank with the promotional code for a {$200.00} bonus if {$4000.00} was DD within 90 days.

The following DD were made : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I deposited a total of {$4000.00} within the 90 days. 

On XX/XX/XXXX through BMO online message, XXXX stated that I would receive the bonus within two weeks. I have not received the bonus yet. Today is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
2 years ago I saw add on tv and called a number to buy a makeup spray machine that they advertised for {$29.00} plus mail cost of {$20.00} for a total price of {$49.00}. I paid with my debit card, after several days the product got to my home in an open box and the machine looked used. I tried to call customer service to let them know that their product was used product and had no manual on how to use it. but customer service of XXXX made me wait long time, never got a representative, I called several times, with the same result, and I got tired and stopped trying to call them. I left the machine in my house because I did not know what to do with it. I thought, I just did a bad buy and left it there. After 2 years I received a call from Monterrey saying that I owed {$620.00}. I never signed any paper saying that I will buy the machine for more money than the {$49.00} I already. Monterrey is damaging my credit seeking that way to press the consumer into paying with the threat of the credit report. There is thousands of bad reviews of this company because of this fraud that is doing to me and all those other people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have approval letters from XXXX home owners assistance funds and my payments are not been posted correctly as they are supposed to be. I have lakeview loan care services LLC

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 2020-05-06
Company: Ocwen Financial Corporation
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 status incorrect

Complaint:
When Covid-19 hit, we were unsure if payments would be made on our home mortgage, I called them and they graciously extended 90 days due to the crisis - called forbearance- noting that full payment must be made for the three months plus the month coming, which I agreed would be fine. I recently checked my credit score and noted that the forbearance was reported and it dropped my credit score by 30 points. This is cruel and unusual punishment for a person who has NEVER missed a payment, EVER. Plus, we had decided to go ahead and bring our account current by making two payments on XX/XX/XXXX, and today, I received a call from the mortgage company wanting to know what we were going to do XX/XX/XXXX. I'm upset on two fronts that calls were made in an attempt to collect a debt that was already paid current - plus, taking a credit report hit that was totally undeserved since the entire country is in a crisis ... ... .just thinking that these actions were not only uncalled for but very unfair to my personal credit and I would like to have satisfaction on this complaint by way of punitive measures against PHH or XXXX, whichever is claiming ownership at this time - maybe even a monetary penalty as well. Needless to say, I will be looking to refi with a different company asap. 

I own and operate a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) and my personal credit drives many decisions that our vendors make regarding extending credit to my XXXX  - this negatively impacts not only me, but my XXXX  and it's 10 employees. The ripple effect is very strong in my eyes, and this action damaged myself and my 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 2019-04-04
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:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account and the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2021-09-09
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: Account information incorrect

Complaint:
XXXX XXXX reporting XXXX open balance. This account was included in my bankruptcy and the information is not correct. I have contacted the credit bureau and it was removed but keeps coming back under a new collection agency. This is a breach and I can sue for reporting inaccurate information. 

XXXX XXXX XXXX- 3 accounts on credit that was open fraudulently. I have notified the company and credit bureau and they still placed it on my report. The account was opened not even with my social and the person changed my middle initial. One card the balance is XXXX, next XXXX, and 3rd XXXX. Please remove this accounts from my report or find out who opened them and put on their credit. REMOVE IMMEDIATELY AND DO NOT PLACE BACK ON MY REPORT. 

XXXX XXXX- XXXX This account I have no knowledge of- Called and company keeps telling me its my account and can not provide any proof that it belongs to me. Told me to dispute with credit agency and agency is doing nothing to help me in these fraudulent cases. 
XXXX XXXX XXXX- XXXX This account I have no knowledge of. I have attempted to contact company and they fail to give me any details because I cant confirm the details on the account- So they need to remove, XXXX- XXXX XXXX XXXX XXXX XXXX Never opened any account with this back. I dont know if this is a credit card or bank. This account just appeared out of nowhere so I havent contacted them as of yet. But I know it doesnt belong to me. So please remove. 

I havent had a job in over 2 years and no new accounts were opened by 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 2019-08-26
Company: Conn's, Inc.
State: LA
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've disputed 2 closed Conns collection efforts which were passed on to XXXX XXXX while asking for validation/verification of the debt 3 times. These were removed from my credit reports from the 3 major companies after being unable to validate / verify the tradeline, and then illegally reinserted as new ( according to XXXXXXXX ).

The two tradelines are from XX/XX/XXXX and XX/XX/XXXX. Both accounts show closed. Both were removed and then reinserted illegally without informing me as to why. The 30 days have passed twice. 

According to the laws I can find - Conns has 30 days to validate / verify the debt in writing upon my reasonable request ( I've requested at least 3 times now ) with zero reply. 

The required time has passed. Please remove these from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2021, I contacted Transunion XXXX and XXXX to dispute inaccuracies that I noticed in my credit report. The Credit Bureaus are reporting inaccurate information on my credit profile and today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.

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 2019-04-04
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAVALRY PORTFOLIO SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: ALLY FINANCIAL INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
companies obtained my credit report without my authorization

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 2017-12-02
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have student federal loans that are handled by the XXXX XXXX program. In XXXX XXXX, I started work with a nonprofit company that qualifies for the public loan forgiveness program. Therefore, in XXXX XXXX, I called the XXXX XXXX program to consolidate all my loans ( totaling {$330000.00} ) under them so that I could qualify my loans in the public service loan forgiveness program. I specifically talked with the loan counselor to help me enroll in a qualifying repayment plan. I was assured by their counselor that the plan to which I was consolidating qualified for the public service loan forgiveness program. The counselor enrolled me in the graduated repayment plan. I have paid every single monthly payment on time, totaling just under {$46000.00} in all. 

In XXXX XXXX, I submitted an employment re-certification form, and only then was I notified that the plan I had been paying to each month did not qualify for public service loan forgiveness and that I would have to start all over again. Therefore, at least 23 payments of about {$2000.00} each month would not count toward loan forgiveness. They stated I had no recourse, but to reapply for the right program.

This is absolutely and inarguably unfair. I would have qualified for private loans that have a much lower interest rate than what I have been paying ( 6.625 % ), but staying in the public service loan forgiveness program made more financial sense at the time. 

Last month, I did apply for the income-based repayment program, which they state qualifies for the public service loan forgiveness program, but I very much believe that the previous 23 months should be counted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, The reason for my dispute is I C SYSTEM INC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEM INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C SYSTEM INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEM INC- is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.I C SYSTEM INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2017-12-02
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit record from unknown company was reported to my collections account at XXXX XXXX, 2017. I highly suspect someone stole my identity to perform this transaction. 

Original Creditor : XXXX XXXX XXXX. 
Amount : {$430.00} Creditor information : XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX XXXX, I Called for assistance on setting account up online to view and pay bill ( this was a replacement card ). First call went great, I thought I could finish registration on my own, ended call. Could not complete online registration and I called back in, I got a rep in the XXXX and I politely asked to be transferred to a rep in the U.S. and he replied " oh, so you do n't want to talk to a XXXX? '' I did n't say anything and hung up. I called back in, very frustrated and got an American rep, I thought she said her name was XXXX, but I was n't sure so when she asked for my name, I asked for hers again ... she acted like I had given her my name and said one moment, while I open your account. I do n't believe that I ever authenticated the account. I said something else to her and she did n't even hear what I said, so really frustrated I hung up again. At this point, the law of averages HAD to be on my side, right? I got XXXX this time, nice guy, but I asked for a supervisor ... maybe his name was XXXX? This guy spoke over me, did n't have my account pulled up and advised me, that he would listen to the 2 calls based on my statement, and call me back. He called me back within 20 minutes and said that he had listened to the calls and I did say that I was thinking about cancelling the account. He said that the mean XXXX rep transferred the call to an American rep and I cancelled the account ... .but wait! I hung up on the overseas rep, he never transferred me. I mentioned closing the account to get transferred to an American rep, because their retention dept is in the US. The supervisor obviously never listened to the calls, even though he said he did. He said that I told XXXX that I wanted to cancel the account and even though I hung up right at that point, they cancelled it. Keep in mind, this was the rep who never authenticate me account. I hung up on this lying supervisor and called back in, this time I got XXXX, a real supervisor. She was kind, thoughtful and offered to reactivate the card ... I think that she told me the XXXX rep closed my account and he most certainly never authenticated my account. XXXX advised that this issue would be referred to corporate for investigation and the she would call me back. I did n't let her reactivate my card, because it would run a credit check and hit my credit report and we are buying a new house, the rep that cancelled my 2nd oldest credit card, hurt my credit by doing so .... all I wanted was to view and pay my bill online and speak to a US based rep ... my card had been compromised by someone in the XXXX ... that 's why I wo n't give them my info.

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 2021-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX, my Bank of America Unemployment Benefits account was charged {$1000.00} per each of these days ( total of {$3000.00} ). These transactions were fraudulent. Upon noticing this, I immediately contacted the Bank of America Claims Department and filed a claim for fraudulent transactions. They informed me that there would be a review process and that I would eventually know the decision. Later, I received a letter explaining that they concluded that they would not return the stolen {$3000.00}. I immediately contacted Bank of America again, and they had me file a police report. I promptly submitted the police report to the Claims Department. They assured me the claim would be reopened for review. However, I later received a letter saying that the original decision to deny my claim would stand. I have called the Bank of America Claims Department at least three times regarding this fraud issue, and every time they reopen the claim and then deny any compensation. No reason was given for the decision at any time for this case of clearly fraudulent transaction. Yesterday was my latest attempt to open the case, at which case I was asked to resubmit the police report, which I have done. It has now been approximately six months since my initial contacting of the Bank of America Claims Department, with no progress.

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