BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I was charged {$15000.00} for XXXX school with XXXX XXXX in XXXX NJ. My loan was given through XXXX XXXX Part of the program was that I would get on an internship after school. I never completed the internship and was unable to work in the field I studied for because the internship they scheduled me to start was a completely different subject than what I was in school for. Once the school closed shortly after I was unable to get in contact with anyone in the school to figure out what I can do to get any record of training that I had. I was never given a certificate of completion and never finished the internship. I would like to have this debt removed from my credit report due to the fact the school closed without any notice and the debt remained with me. I do not feel as though it is fair for me to have to pay a debt for an education that was never given. The promise the school gave when I signed the forms was that I would be placed in a program to get a job and the internship would be complete after the schooling was completed. Neither agreement planned out that way and I would like the debt to be placed as paid in full and closed on all three credit reports. I spoke to all three credit bureaus and had this issue resolved with XXXX  and XXXX. XXXX would not place the account as paid in full and only took away the interest that accrued over time. I spoke to them last year in the beginning of 2017 and was told that the debt is back to original balance. This is not acceptable to me since the other 2 credit unions changed the status.

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 2019-10-11
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-09-17
Company: Firstsource Business Process Services, LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company sent me a letter dated XX/XX/19 - I received on XX/XX/19. On XX/XX/19 I disputed the debt and requested validation. 

The company blatantly broke the law by reporting the account on my credit report on XX/XX/19 without responding to the dispute or validation request. 

The broke the law numerous times because they reported before the 30 day period is up and they did not respond or validate the debt before reporting on my credit. 

This debt is not valid, it was settled with another debt collector.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX DOBXX/XX/XXXX SS XXXX I am having issuess with my file as I was a victim of fraud MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some addresses on my file that DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2019-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Saw it on credit report i have been a victim of natural disaster on very liw income

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Some of the dates may be off by a few days because I didn't start writing things down until XXXX, but the basics are that Barclay was sent an overpayment of {$15000.00} XXXX XX/XX/2019 from my bank 's billpay service ( XXXX, it was sent as an ACH ). I immediately called Barclay and was told I need to wait until they process it. On XXXX XXXX, I confirmed that they had a {$15000.00} credit on the account and requested return of that money through their online account. It said 7-10 business days. I called 10-12 business days later ( probably XXXX XXXX ) and was told a check was sent. I told them I had not recieved it, they could not tell me when and where it was sent and didn't have any way of tracking it. I called several times over the next 2 weeks and was told the same thing. I called just before I left on a 3-4 week vacation ( probably XXXX or XXXX XXXX and asked them to send a new check. When I returned late XXXX ( probably XXXX ) there was no check. I called and they told me a check was sent out XXXX XXXX, but couldn't tell me where it was sent to and still were unable to track it. I called several times requesting a new check. It is XXXX XXXX and I am no closer to a check. I just had a conference with the people who run the billpay service, XXXX, a Barclay representative, myself and my wife. They are still unable to tell me when I can expect a check. Their plan is to send it the same way they claim they sent it last time, without a tracking plan, so if it doesn't arrive again, I am back where I started. At this point it seems like it could be called grand theft or wire fraud. I am unable to upload my wife 's file as I cancelled the account due to their poor service, but I copied my messages to them thru my wyndham account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11
Company: Experian Information Solutions 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-06-24
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Navy Federal Credit Union. I had my EIDL SBA loan deposited there. They froze my account yesterday with no explanation and no request for information. They will not explain anything to me, they won't listen to me and I have no access to my Checking account, investment accounts, credit card or even my car loan account. I've been an account holder since XX/XX/2011. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company keeps harassing me sending me emails everyday and phone calls. I've stated to the company that this is not me and I've never had the account. ive asked several XXXX to remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: AL
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 was trying to cosign for my cousinhicle, 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. 
XXXX XXXX {$1700.00} XXXX {$17000.00} XXXX {$260.00} XXXX XXXX {$3300.00}

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 2019-01-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
All 3 reporting agencies, plus XXXX, XXXX, and a number of others. I am XXXX and XXXX and have had criminal investigators from the US GOV helping me from 2 field offices and, the IRS, State and local law enforcement. In XX/XX/2013 my identity was stolen and my tax return was never delivered to me. They re-routed it to Texas and then north where it was cased. The CI 's  worked on this for 4 years and finally had so many other cases they threw in the towel. Well, these crooks have destroyed my life. I have nothing left except earning my XXXX XXXX XXXX at XXXX. I cant get a car, house, credit card, not even a secured one. There are almost 700 inquiries on my reports and I dont recall instigating any of them. I have to live with my parents and have since this happened. They ruined my computer, tapped into my cell phone, stole my information off both of them so trying to go to school I am using my grandmas little bitty laptop and a pre-paid phone. My life was stolen from me and they are still doing it. I cant live like this anymore. Life has no meaning anymore and the credit burieas dont really care. Ive contacted them every year, put freezes on my accounts and they all 3 still let people do inquiries on my reports. I want a clean slate. I am the victim and didnt ask for this.Thank You

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 2020-10-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
in XX/XX/XXXX experian received a certified letter demanding that any freeze OR lock OR hold OR stop on releasing my credit information be stopped / cancelled / terminated / eliminated. 

experian did nothing. 

again now in XX/XX/XXXX experian received ANOTHER certified letter demanding that any freeze OR lock OR hold OR stop on releasing my credit information be stopped / cancelled / terminated / eliminated. 

experian has done nothing. 

experian refusal has resulted in damages.

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 2019-10-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XXXX 2019, I opened a BMO Harris Platinum Money Market account based on a promotion of a total bonus of {$300.00} associated with this account. 

The terms required depositing {$10000.00} into the Money Market account and not letting the balance drop below {$10000.00} for the next 90 days. To satisfy this requirement, I deposited {$10000.00} into the account on XXXX XXXX, 2019, and then did not remove any money from the account until XXXX XXXX, 2019 ( 92 days later ). 

The {$300.00} incentive corresponds with offers ( 2 ) and ( 3 ) on the attached PDF " BMO XX/XX/2019 promo XXXX ''. I also did offer ( 1 ) and received the {$400.00} bonus for that offer, which is relevant to receiving offer ( 3 ). 

The dispute is with offer ( 2 ). See the attached chat logs for details, but the summary is that BMO Harris says that because I transferred the new money into the checking account I opened for offer ( 1 ), then immediately into the money market account to start the 90 day timer, that I did not satisfy the " new money '' requirement. 

I think this is a disingenuous interpretation of " not currently on deposit at BMO Harris Bank or its affiliates ''. You can see from the attached account history images that I transferred the money into the Money Market account on the same day that it transferred to BMO 's checking account from an external source. I could have withdrawn the money from the checking account at a branch, held the {$10000.00} in cash for two seconds, and then deposited the " new money '' into the money market account. But that kind of nonsense would be a waste of everyone 's time. I expect better of myself and I expect better of BMO Harris as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently disputed information on my credit report with this company due to identity theft, they are not removing items that are not mine. I provided a police report and informed them my information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On the XXXX  XXXX  weekend, I noticed that my home equity loan at Bank of America had a change in how my previous payments were applied. I called them on XX/XX/XXXX ( after XXXX minutes wait ), I talked to a rep from Bank of America about the bank error in the application of my payments and the error in the loan balance. They assigned Case ID # XXXX to my case. Nothing was done. On XX/XX/XXXX, I called the customer service line again and told them that no one acted on the loan error nor has the error been corrected. The rep assured me that within 48-72 hours, the error would be corrected and reviewed by the bank. Today is XX/XX/XXXX and no action has been taken on correcting the bank error on my home equity loan. It has been over 1 month already. There is about a {$4000.00} error in the loan balance in the banks favor. Bank of America is ignoring my requests to correct their system error on my loan.

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 2019-10-11
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX/XXXX/19 WE JUST GOT A LETTER IN THE MAIL STATING THAT WE WERE DENIED A MODIFICATION BECAUSE THEY SAID THE DOCUMENTS WERENT SENT IN ON TIME!!! LIARS!! IF YOU LOOK AT ALL THE COMPLAINTS YOU WILL SEE THAT WE SENT IN ALL DOCUMENTS BY THE DUE DATE XXXX/XXXX/19 BUT WE WERE TOLD THAT THE NOTARY DIDNT SIGN THE CORRECT LINE! SO THE MODIFICATION SENT OUT ANOTHER SET BY EMAIL AND WERE SIGN CORRECTLY BY THE NOTARY THEY WERE SENT BACK BUT WHEN MY WIFE CALLED SLS TO MAKE SURE EVERYTHING WAS SIGNED RIGHT THEY SAID THEY DIDNT RECIEVED THE HARD COPIES AND THEY WERE SHREDDED!!!! WHY??? SO NOW ITS THE END OF XXXX SO I TALKED TO A SUPERVISOR AND SHE SAID SHE IS SENDING A NEW MODIFICATION DOCUMENTS BY UPS WE DID AND WE SIGNED THEM AND WERE SENT BACK AND THEY RECIEVED THEM ON XXXX/XXXX/19! WE WERE TOLD THEY WILL FINALIZE THE DOCUMENTS BUT WE MUST MAKE XXXX PAYMENT WHICH WE DID! NOW WE GET THESE PAPERS IN THE MAIL SAYING WE DIDNT SEND THEM IN BY THE DUE DATE! LIARS WE HAVE THE THE RECIPTS FROM WHEN EVERYTHING WAS MAILED ON ALL 3!

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 2020-09-22
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We asked, and presumably, received a pandemic forbearance XX/XX/2020. We paid principle and escrow, yet the lender, Caliber Home Loans would not send us performance information. Such what was applying to the loan and what we needed to do. In XXXX, we asked how we needed to catch-up, and received no reply. We lost about {$10000.00} of income because the COVID 19. We began to make larger payments then received an offer for a loan to cover the arrears. This loan, by the way, was a similar amount to excessive escrow we'd accumulated with our previous lender. Escrow we've asked about since it was part of a Lender Credit in the new loan. Now, the lender Caliber Home Loans has placed us in collections. We've called, forty minutes one day, twenty-five another on hold telling us of unusual wait times. Now we can not access our account saying we can NO longer make payment over the phone, etc. Our bank records show all the money we've sent has been cashed, etc. A payment of {$800.00} was recently sent and may not have reached their remote processing center.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
State: OH
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:
End of lease with XXXX XXXX XXXX in XXXX XXXX, there was a late payment from a drive thru auto-toll in Colorado during summer XXXX, {$15.00} toll turned into {$90.00}, toll was sent directly to XXXX XXXX XXXX instead of my home address. I don't know if toll was paid, but I was charged a late fee, trying to work out details with XXXX, could not explain what happened, why I was not notified, who paid the State of Colorado, finally gave up trying to get information and decided to pay my end of lease payment plus toll late fee when they threatened to send me to collections, I received the collections notice on XX/XX/XXXX, paid XXXX XXXXXXXX XXXX on XX/XX/XXXX, they still hit me with a two month charge off

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 2019-10-11
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I checked my statement today with Synchrony Bank regarding my credit card through Mattress Firm. I noticed my credit limit was lowered from {$1000.00} to {$560.00} ( not sure how this amount was derived ). I have always met my minimum payment or paid more than the minimum on time since establishing credit with this company. The two major implications by lowering my available credit is : 1. By lowering my credit limit, my credit utilization for this account appear that I am utilizing 100 % instead of 50 % which negatively impacts my credit score.

2. By selecting a credit limit if {$560.00} ( amount seems odd as it is not standard ) once the company applies the forbear-ed interest that was part of a promotional offering brings my account balance over the new credit limit so the company can then charge fees for going over.

I could see the rationale of lowering someone's credit limit if they were not holding up their obligations through making on time payments of the minimum or more, but this is not the case. It appears the credit limit was lowered intentionally by negatively affecting my credit score and future applied fees. 

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 2018-01-24
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I do not have any business with this company. My research of the phone number the second call came from indicates this maybe a scam. 
I received the first call on : XXXX/XXXX/XXXX. It was a robo call. In the message, the name of the person asked for was not clear however, sounded nothing like my name. The number this call came from was " spoofed '' in that it came up on my caller ID as " Private Caller ''. No other information was given in this message. 

I received a second robo call at XXXX XXXX on Wednesday, XXXX/XXXX/XXXX. This time the message requested the same person. Again, the name referenced was not clear and also not me. The phone number the call came from was : XXXX. The company name given was : On Line Information Services,  a debt collection services company. The message went on to reference an account # : XXXX and call back number of : XXXX. 
Once again, I do not have any legitimate business with this company nor do I know why I 'm being contacted repeatedly for no reason.

Company response to consumer: Closed with non-monetary relief