BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account in XX/XX/XXXX XX/XX/XXXX called and requested account closure and cheque to be mailed to me in the amount of US {$1000.00}. XXXX advised a letter would be sent to me to be signed and returned then cheque would be mailed. 

XX/XX/XXXX - spoke to XXXX re my cheque as I have no record of receiving it but it shows online that the account is closed. He could not find any information about my account. He will have to check with Back Office. 

I have made a number of a calls - certainly more than 6 ; I had not kept notes on all but my last contact was XX/XX/XXXX. I had called on XX/XX/XXXX and again they could not find any info so could not verify me. I was told to go to a BMO in XXXX and have my ID notarised. I went in and spoke to a gentleman there by the name of XXXX XXXX. He told me they did not do nortarisation however he did call BMO Harris to try and help me. He got the same results I did - will have to check with Back Office because they dont have the information for my account. He left his information with them asking for a follow up and he promised to keep checking in for me. I assume he is having no better results than I am. 

XXXX from BMO Harris called me the next day ( XX/XX/XXXX ) to tell me they were still checking and that someone would call me EVERY DAY to update. I have not heard from her or anyone else since. 

I am frustrated with this process and tired of trying to get a plausible answer. On top of which this behaviour seems very suspicious especially coming from a bank. Closed accounts or records of any business do not not disappear from a system. Tired of the run around for my hard earned dollars. 

I can provide account opening letter, associated XXXX form, copy of deposits, statements, copy of debit card etc. 

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 2020-05-23
Company: BANK OF THE WEST
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:
I filed a dispute with customer service a week ago in regards toan airline ticket i purchasedfrom XXXX XXXX, they canceled the trip, i triedto resolve this with them but i couldn't, i called Bank of the west customer service, i couldn't get any resolution or refund

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 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive Tried To Write This Company Twice Too Dispute These Collections and Have them Removed Ive received return too sender from this company!!! I cant dispute when this company address doesnt exist please remove off my XXXX credit report!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: VanKeef Financial LLC
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX XX/XX/2018. Mortgage Vankeef Financial LLC. XXXX XXXX. 
We have requested that Vankeef Financial reimburse our appraisal fee, which they authorized. We had questioned them about paying an appraisal fee twice. The first time they assured us that the loan was approved and need to move forward with appraisal. It was not approved. They claim they needed more employment history from spouse.Who has been working for the Dept. Of DOE for approximately 6 years. They stalled our loan process and requested to order another appraisal. I informed them to make sure the loan was indeed secured. He assured again. I then asked him again ( Rep ) to make sure it was approved. They said it was. We ordered it and paid over {$700.00}. They appraisal value came at more than what Vankeef Finaincial anticipated. Good right? Wrong. They said that they could not confirm spouses employment and that the HR was not returning their calls. 

We told them, we initially we provided them with spouse XXXX, check stubs and tax returns. Why is that not confirmation enough to get the Loan? When another ( prior ) Mortgage Co approved our application, but had a higher interest and closing cost rate. 

We asked Vankeef Financial for full reimbursement of our Appraisal fee, because they ordered it, but was denied and said '' Because the appraisal fee ( they ordered us to pay ) was paid to the Appraisal Company, unfortunately we can not reimburse your appraisal '' ... ... .. We have filed complaints with various agencies and the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX. I call TransUnion to Dispute on a debt, thats showing on my credit report. The account doesnt belong to me and I have no knowledge about it. I told TransUnion to do more investigation.just because they have my correct SSN and birthdate. 
I know, I havent open this account. 

XXXX. Lender name Amount is XXXX Date open. XX/XX/2017 I dont know anything of this 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 explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: GA
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Resurgent Capital Services L.P.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit reports via XXXX XXXX and it shows two collection accounts owed by Resurgent Capital Services of XXXX South Carolina. 
I never received notice or the right to dispute by these new owners. 
The former owner was LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a fraudulent debt, the company refuses to remove it off of all credit reports. Ive had a credit debt agency investigate and paid lots of money, submitted all legal documents and its still not removed. This company is violating Federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I attended XXXX which turned into XXXX XXXX college while I was attending. The school ended up getting shut down permanently I did attach the proper paper work needed to nelnet and proof of the schooling closing without my knowledge. I did graduate but the school shut down due to lack of accreditation which I was lied to about. When I tried to take my credits else where to other states they told me I was not accredited. When I tried to renew my licenses and take continuing education classes at the school they were shut down. My license is no longer valid and I am not accredited I did let my student loan lender know this submitted the proper papers and its been well over a year I have not heard anything back. Legal stand point states when a school is closed for reasons like this student loan is dismissed .when I graduated my certificate stated I graduated from XXXX XXXX college and so doesnt all my transcripts. Student loan lender has been giving more then enough time to respond & has yet to do so. They continue to just keep pushing things back on payments instead of investigating well over a year is unacceptable. Yeah

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Check My Credit. I Notice Fraudulent activities, with Fraud Accounts That I did Not Authorize This is Insane and very stressful. I need Assistant to resolve this Matter

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 2018-03-30
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: Account information incorrect

Complaint:
There are two separate accounts with two different balances noted on all of my credit reports for XXXX/XXXX. However these are one loan, not two.

Since XX/XX/XXXXI have attempted to have the Credit Bureau 's and the Debtor correct my credit report. I contacted XXXX directly to have them correct the issue starting in XX/XX/XXXX. They directed me to contact the Credit Bureaus to dispute the charge and said they would correct the issue through the dispute. This has not happened.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to FCRA Section 605, I demand that you remove these items from my credit report due to these items being inaccurate and not corrected within 30 days.

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-08-11
Company: Union Home Mortgage Corp
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have 3 mortgages with Union Home Mortgage on rental properties. 

On XX/XX/XXXX we emailed signed requests to remove the escrow from all three properties. We received automated responses with our case numbers. 

On XX/XX/XXXX we followed up by inquiring through their secure message center. On XX/XX/XXXX we receive a reply that UHM anticipated a 20 day response time for this issue. We receive no such response after this. 

In early XXXX, we received a letter that said they received our escrow cancellation request for property # 1. The escrow waiver fee was {$130.00}. On XX/XX/XXXX we sent the check for this amount and UHM cashed the check shortly thereafter. However, UHM still did not remove the escrow. 

On XX/XX/XXXX we inquired again about the status via secure message. On XX/XX/XXXX, UHM responded that they had not received our request to remove an escrow. My original secure message included my incident # for this property from UHM 's automated email response on XX/XX/XXXX. 

On XX/XX/XXXX, we called UHM to remove the escrow. Around XXXX, we received a letter that the escrow was removed for property # 1. 7 months from the start and 2 months after cashing our escrow removal fee, UHM has finally processed 1 of the 3 properties. 

As of XX/XX/XXXX, we are still unable to get UHM to remove the escrow on our other 2 properties. 

More generally, this is not the first issue I have had. UHM 's customer service is a black hole. It is where requests go to die. When forms are mailed to them, they are not processed. When forms are emailed to them, they give you an incident number and nothing happens. When the website 's secure message center is used, the response is that the request is being processed or the forms have not been received ( even though you have an incident number from when you sent the form ). When calling, they either say a form needs to be mailed or only partially process the request.

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 2021-01-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, I have previously made 2 complaints through you about Coinbase and thankfully the problems have been partly resolved but not completely.

After 35 days of account disablement Coinbase decided to close my account which is fine and provided me links to remove my Cryptocurrencies as well as my GBP.

Despite the fact that I managed successfully to remove my cryptocurrencies, the link they provided for my GBP to be withdrawn to my bank account is broken and does not work.

Considering my account could be closed at any time now I am in risk of not having access to my GBP in Coinbase account anymore and Coinbase is not answering my E mails in this regard.

Coinbase only responded once asking me to send them a screenshot of the problem and I did that. however they did not respond anymore and it is now been over a week that I can not withdraw my fund. 
Please look into my case as my fund which is XXXX is there to be withdrawn and their link is broken and the time is going to be up for me and I might lose my fund. I will send you the screen shot of the problem I am facing with Coinbase. 
Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: U.S. BANCORP
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
we have contacted us bank concerning this problem. but they keep ignoring my pleas aboute the debit transactions being levied agaisnt me and account we have told them it was not our fault for these " overdraft '' fees we get social security payments?? and can not afford these overdraft fees. thes add up quitk-ly this is the second time this has happened we want all fees returned too my accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ohio

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 2018-02-03
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Good evening. 

I purchased a vehicle in XXXX of 2015. The finance company is Credit Acceptance Corporation. 

The original price of the vehicle was {$6400.00}. I put down {$3000.00} After providing my downpayment, as I went to sign my finance papers, I was informed that XXXX adds an extra {$2000.00} onto the price of the vehicle for their " lending service fee ''. Then, on top of that, since it made the loan more than what the vehicle is worth ... I was required to pay them a MANDATORY GAP insurance payment that was included in my monthly payment. 

Now, I understand that a higher finance rate is acceptable when starting over to rebuild your credit. But I have since found out that XXXX has been sued and found guilty in many states due to their " lending fee '' as it is considered predatory lending. Not to mention, GAP insurance is voluntary. I would not have even needed it if not for their {$2000.00} " lending fee ''.

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 2018-03-30
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I brought a 2013 XXXX XXXX from XXXX XXXX  which I'm turn turned into bridgecrest and that's who I was paying the car note to I was on XXXX XXXX and it was traffic I came to a stop and when I went to put my foot on the gas pedal the car wouldn't move I did several things to get it to go finally it started to move slowly I made it home but mind u my children where in the jeep it could've been very deadly with big trucks and others cars if it wasn't traffic, I took it to thedealership and they explained to me the transmission had never been changed that the vehicle should never been sold to me in that condition mind u I had several problems where I had to take the jeep back because of them not having a new battery in the jeep and it stalling out on me and everything so basically I as sold a lemon I was told the trans would cost XXXX  amd bridgecrest claimed I still owed XXXX  on the vehicle I have a problem with that and then u won't correct the problem for me. I don't think that's fair or right to do to a consumer.

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 2018-03-30
Company: SYNCHRONY FINANCIAL
State: CA
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:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per Credit Check Total. 
I have attached What these items are :

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 2018-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hard Credit Inquiries on my XXXX  and Transunion Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with XXXX XXXX on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met XXXX AND TRANSUNION : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. XXXX  and Transunion continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked Transunion and XXXX   to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that TRANSUNION AND XXXX  INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of TRANSUNION AND 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 2019-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : CAPITAL ONE BANK USA NA # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX .They are in violation of FDCPA XXXX. Demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSWORLD SYSTEMS INC
State: MD
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:
On XX/XX/2022 i filed a dispute against TRANSWORLD SYSTEMS INC for inaccuracies on my credit report for FCRA violation.

Company response to consumer: Closed with explanation