BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC bank will not remove PMI from my mortgage account despite their own internal documents demonstrating I am and have been below 80 % LTV. When asked to remove PMI they stated their investor required being between 78 % to 80 % to remove PMI, contrary to statute. Despite numerous attempts to remove PMI from my account since XX/XX/XXXX, a follow up in XX/XX/XXXX ( at which time we were told we were below 80 % ), and again in XXXX PNC Bank has repeatedly refused to remove PMI. Further I am only permitted to speak with a Mortgage Specialist and members of their customer care teams, not with members of their PMI Department. On the evening of XX/XX/XXXX I was informed my case would be closed. However I requested this to remain open because my concerns were not addressed and requested to speak to a manager. 

Further they stated in letters sent to our home that we must commit to an appraisal or a BPO for them to even consider removing PMI from our accounts at our cost. 

We are up to date, and have been up to date on our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have not been able to log into my Coinbase account for two days. After following the recovery steps, I get a we are experiencing connectivity issues page, or your account is temporarily disabled message. They claim to have specialists working on the issue. 
I have researched this site and have seen dozens of people stating that they have been locked out of their accounts since XXXX or XXXX. There is no phone number to call for live support. My case numbers are : # XXXX and # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home of 20+ years is scheduled for foreclosure on XX/XX/2020. 
Although my payments were behind prior to the Covid Pandemic - In XXXX of this year, I had finally resolved a discrepancy between my employers Insurance and myself and a settlement was in the works to include timeloss benefits and approval for my XXXX XXXX  XXXX. I felt certain I could keep my home and stay current on my payments, if a Modification were approved. 
Then Covid 19 shut down everything - My Lawyer, Insurance, medical and there was nothing i could do - My Attorneys office and I have just recently started talking again, but the prediction of resuming a settlement is now for sometime in XXXX. 
My Mortgage company gave me 30days written notice of foreclosure ( XX/XX/2020 ). I have tried contacting them nearly everyday but they are unreachable. 
- we set up 2 telephone conferences The first they claim they had my wrong phone number despite the many emails ive written correcting them, to include the email confirming our phone apt., and ive had this number for over a year. 
The 2nd phone apt., I waited by the phone for an hour - they never called! Finally I sent them an email asking why and never got a response. 
- The many emails i have sent, requesting a meeting so that i could explain how Covid has halted my progress along with some ideas and questions as to how i may save my home go unanswered. ( i.e. adding a family member to the note and/or modification or forebearance ). 
WHY cant I at least get some answers. 
I am trying very hard to save my home and feel as tho i am being ignored intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have been an Ally Financial customer since XXXX of XXXX. I am paying over {$33000.00} for a car worth {$10000.00} but have made 30 consecutive payments out of 72, with 42 remaining. Due to the pandemic, I have requested a payment deferment. I received an email dated XX/XX/XXXX from XXXX  Executive Customer Services Ally Bank. The email simply stated more information and a resolution to come. I had heard or received nothing else by XX/XX/XXXX, so I called and spoke to XXXX. I was immediately accused of " hiding the car '' which I have never done in all my life. I was told that I could face repossession even if I am only a few days late on payment because I Owe so much. Told that " we all got together and decided that we were not going to help you '' and will now report to all credit agencies although you state this was a mistake. We don't care that there is a pandemic and 'for some reason when we report it drops a credit score by 47 points. I was told I had had too many deferments. And he was sending me a letter that day regarding what would be done. I received the paperwork via mail dated XX/XX/XXXX stating I was " supposed '' to have received but I have never seen it before.

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 2019-01-22
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Paramount Recovery in the past on regards to this medical debt from XX/XX/2014. In the conversation I wanted the account off my credit and advised the credit bureaus that I dispute the debt because I truly have no idea who this Dr. XXXX XXXX is and no recollection of any services rendered. Yes, I did want to resolve it just to get it off my credit, but the agency has failed to prove these services were rendered to me. They sent me a standard collection letter. When I contacted them this week, they could not provide any details. They did not know if I had insurance, if insurance was filed or what service this doctor so call rendered to me. I was flat out told that they do not have any of those documents available. I have seen no documentation with my signature or photo identification proving this debt truly does belong to me. I have disputed with the credit bureau and they keep saying that the debt is valid. How did they validate if the agency doesnt have any documentation? I need this debt removed from my credit report for lack of proof and validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian has not corrected erroneous and negative information on my credit report in spite of numerous requests to them and numerous complaints to CFPB. The incorrect information has to do with my revolving account at XXXX XXXX. The same erroneous information was also on reports from XXXX  & XXXX  but they have corrected the information since then based on the supporting document from XXXX  submitted to them. However, Experian continues to deny my claim. It has close my recent complaint at CFPM citing that : 1. They contacted XXXX and the information has been verified to be true. This is a false statement because I know for a fact that the specific department at XXXX that would verify this information has been closed since XXXX on account of the pandemic. Additionally, if they contact XXXX, XXXX would verify that what I am saying is true since they sent me a letter in early XXXX which states that they agree that they reported negative information in error and that they've requested the various credit agencies to delete this potentially negative information from my credit report. 
2. The supporting document/letter from XXXX  ( that I uploaded to my complaint ) directly ascertains the facts but Experian is ignoring the letter. 
I urge the CFPB to read my complaint and the supporting document to verify for themselves that Experian is perpetuating fraud and lies in this situation. How can CFPB allow a company to blatantly lie when the facts prove otherwise?

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 2020-10-10
Company: Total Card, Inc.
State: MA
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:
Hi and how are you doing?

Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: MA
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My 1st dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2019-03-18
Company: EQUIFAX, 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:
Submitted several disputes ; last dispute on XX/XX/2019. I submitted evidence that original creditor no longer have information regarding account being disputed. Equifax continues to report account as verified and note date inaccurate DATE FIRST MAJOR DELINQUENCY REPORTED. Company continues to report unverified inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LOCKHART MORRIS & MONTGOMERY at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$5400.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
discover card opened a account in my name without my permission. I have sent over police report and FTC report and court documents and they still want remove it off my credit file from XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX  XXXX in regards to establishing new service. I was advised by XXXX XXXX XXXX that I needed to pay them ( they gave me a list of means to do so ) before future service could be offered to me. 

I immediately paid XXXX XXXX XXXX. Come to find out - another company by the name of Transworld Systems is/has been reporting this account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Bought a car, was ripped off in payment as it was increased after loan was signed. I paid on time then could not keep up with payments. I tried to refinance for a smaller payment, they refused so I told them I voluntarily surrender the car. I made sure it was clean and had gas. It was in great condition, they picked it up like I was a criminal, I handed them the keys. They auctioned it or sold it. And tried to get me to pay {$12000.00}. They then charged it off as a bad debt write off for taxes. Reported me being late XX/XX/XXXX, what it was charged off in XXXX, still reporting late payments and a balance due of {$12000.00}. FCRA says if it is charged off the balance is XXXX as they can no longer collect. It has been written off their taxes. I have disputed all three credit bureaus and GM still has not corrected. I have also called them directly and they are still reporting incorrectly. Do not use under any circumstances. You will be XXXX in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
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:
Goods and services were obtained using my personal information without prior authorization. 7 year credit freeze has been placed until 2025

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 2021-04-05
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I went on the app that has all my banking information and sent {$520.00} to a family member in XXXX XXXX  in XXXX.The transaction was approved and a day later i got a message that they need the recepiemts ID from me.That was a XXXX  on XXXX I called waited over 40 minutes to get through amd asked why yhey need the recepoents ID from me when they can ask for it at the receiving end and if that was a requirement i shoukd have beed asked for the recepients ID before the process so I could choose to use another company.The lady hung up the phone and immediately I received a text mesage my tranaction was cancelled followed buly an email with norhing as to when my mkney will be refunded and how much and the liar scammer put that I cancelled the transaction.Really! After 4 days and then to wait another 10 days to get my money back IF it is refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: ALLY FINANCIAL INC.
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 status incorrect

Complaint:
My FICO score has dropped substantially over the past three months. I see it on my XXXX XXXX statement. I caught it this month XXXX XXXX XXXX. I confirmed that XXXX has not reported me as past due today, XX/XX/XXXX. After they'd confirmed it wasn't them, I went to the XXXX  website to put a fraud alert on my account and reviewed my credit report to learn that Ally Financial had reported a 90 day delinquency in XXXX of XXXX. I had a car loan with Ally and paid it off approximately 2 years ago and received the title to the car. I contacted Ally and their solution was to file a dispute with XXXX which they informed me will take up to 45 days to clear then I will have to clear it with the other credit agencies. I am floored that I have to risk higher interest rates and possible denial of loans for the next 45 days when it was their error and they didn't try to explain to me what caused their error. Their solution for their mistake is NOT acceptable and it leaves me wondering how many other people have had to deal with this.

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 2018-10-12
Company: AES/PHEAA
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I need some one to send me a letter as well as XXXX, and XXXX to help me with a dispute. I need the letter to say that I have no Current open accounts or late payments due because my account is in forbearance. They keep reporting that I ave open accounts and I don't at the moment. pleas help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
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 status incorrect

Complaint:
XXXX XXXX  is showing 1 past due payment amount for XXXX of 2018. Payment was not late from me but was posted late from mortgage 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 2021-08-19
Company: EQUIFAX, INC.
State: CT
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:
Hello. I've been sending out disputes to all 3 bureaus XXXX, equifax, and XXXX  since XX/XX/XXXX which were my first letters for inaccuracies and Violations of The CFRA that are on my credit report. For 9 months all these bureaus will not budge and do what is lawfully my right to have these accounts deleted and removed from my credit report. 
It is now XX/XX/XXXX and still these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX XXXX that have been reaged and have been in Violation For months now which I have proof of. 
Also 2 accounts which are over the statute of limitations : DEP OF ED XXXX XXXX DEP OF ED XXXX XXXX that the dept of Ed is reporting and XXXX XXXX XXXX XXXX Which is in violation because it is reporting Activity in the payment history section after this account has been closed and charged off 4 years ago. 
As well as equifax reporting my name As XXXX XXXX XXXX which is not my name. 
My name is XXXX XXXX XXXX. I don't even know where XXXX  comes from or how it got on my report. 

They keep violating my rights by not doing a proper investigation and breaking the laws of the FCRA from what I've read by not deleting these accounts that are obviously not reporting correctly. 
Please help me to make them delete these accounts which they are lawfully bound to do because these accounts are creating so much stress In my life and I'm a XXXX woman with a number of health problems and this is not Fair to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX XXXX with Experian and XXXX for several attempts to no positive result. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.

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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently sent letters over 60 days ago to this bureaus and they are disregarding a regular consumer disputes. I am very stressed and have been sending letters before this and still haven't gotten a response.

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