BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-05
Company: Real Title Agency, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I closed on my property on XXXX/XXXX/15. I received a voice mail by the Escrow officer, XXXX XXXX, at the ohio real title agency on XXXX/XXXX/15 and was told to bring {$5200.00} certified bank check to closing on XXXX/XXXX/15. Upon closing on XXXX/XXXX/15, the notary from Ohio Real Title stated that they had not yet received the final closing disclosure from XXXX XXXX of XXXX. After reviewing and signing the documents that were on time and available at my closing on XXXX/XXXX/15, first federal had submitted the final closing disclosure to ohio real title which was then faxed to the location where I was signing the final documents. The final closing disclosure showed the amount cash to close for {$5000.00}. At that time, I was advised by the Ohio Real Title Agency Notary that I would receive a refund for the exact amount that I had over paid with my certified bank check, due to the escrow officers error in telling me the incorrect amount to bring to closing. About XXXX week later, I received a check in the mail from Ohio Real Title for the amount of {$110.00}. I called the escrow officer, XXXX XXXX, and the Post closing manager, XXXX XXXX, and was told that I was refunded a smaller amount because of a XXXX mortgage -- -- the first time I had heard that I had a " XXXX mortgage. '' I then contacted OHFA to verifiy that I did not have a XXXX mortgage, as I was told by XXXX at OHFA in XXXX, that I did not have a XXXX mortgage and I was given incorrect information from Ohio Real Title. XXXX gave me the # for the OHFA Coordinator, XXXX XXXX, to pass along to XXXX XXXX and XXXX XXXX to verify and clarify this with Ohio Real Title. Later on, in e-mail communication, XXXX XXXX stated that I was given incorrect information in stating I had a XXXX mortgage, but I actually had a " rider '' which resulted in new additional " recording fees '' that were not listed on my final closing disclosure. The final closing disclosure that I signed on the date of closing, XXXX/XXXX/15, is not the same final closing disclosure that the Escrow Officer provided me showing the " new recording fees. '' The dates of the documents are different, and the numbers/figures are altered and not the same as the final closing disclosure document that I signed at closing. I simply would like my money refunded that I overpaid, as I was told to bring a larger amount to closing then what was needed at closing. I was to receive a refund of {$180.00} total, I received a check from ohio real title for the amount of {$110.00}, thus being short of {$72.00}. I am most concerned with the numbers and dates being altered on the final closing disclosure that I received at a later date, showing a different amount in fees. I signed a different final closing disclosure at my closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16
Company: BANKMOBILE TECHNOLOGIES, INC
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have an account with XXXX XXXX and I initially registered with my XXXX number. On XX/XX/XXXX night, I received text message and email from XXXX, which the XXXX XXXX banks with, about several fraudulent activities on my debit card. I called their fraud team and confirmed those were unauthorized transactions. The fraud team agent said she locked my debit card and asked me to contact customer service. I called customer service and they issued a new card for me and asked me to contact resolution team to file the disputes. I called resolution team and the agent said I'll need to fill in a form that she'll send me in the secure message in the XXXX APP. I asked if they can file the claim for me because that's what a typical bank would do when there's fraud. The agent said it's their procedure and there's no other way to do it. 

It's such a hassle for a victim of fraudulent activities. I never take this debit card out of my home, and only use it on a secure state government website. 

I can not login to my XXXX XXXX account because of some issues with the XXXX wireless account. I tried to change the phone number associated with the account to another wireless provider, but still I can not login or reset the password with the new number. 

Based on what the resolution agent told me, I'm stuck now because I can not login to the account and file the dispute. I can verify my identity and they have verified my identity, but I can not login to their APP to file the dispute of fraudulent transactions and they can not help me with it. The XXXX XXXX account is open to the ones without a XXXX phone number, and people do change their phone services providers. So I should be able to change to another phone number and login to my XXXX XXXX account. But it doesn't work! 

The bank account is mine and I should have access to it no matter what. And for the dispute process, they should not be asking the victims to file the forms and do it on their end like all other banks. 

And I found it's not only me experiencing the fraud, there're a number of other people got exposed to this very recently.

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 2021-03-16
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:
XXXX, has reported to my transunion with a XXXX increase to my balance. The balance is charge off as bad debt as they mentioned on previous complaints.My credit score has went down 80 points like previously with my XXXXXXXX XXXX corrected my XXXX but they caused my transunion to go down 80 points from a old charge off. Charge offs shouldnt change amounts month to month so unsure why my balance increased by XXXX effecting my credit by 80 points.It doesnt make any sense for a old debt to keep changing and effecting my credit score. I understand it will be on my credit file but for XXXX to continue to make changes to the account and hitting my score is unfair. This is my 2nd time with this issues with them.

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 2022-11-04
Company: Experian Information Solutions Inc.
State: AZ
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:
Reporting negative Information on my report. 
Says I have an open account this is false. 
Is accessing my personal information without consent. 
Negative information Reporting to extort payments. 
Never done business with company. 
Never gave consent for company to use my personal information. 
Never gave consent for company to report negative information. 
In collusion with alleged original creditor to extort payments.

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 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX I made a purchase from XXXX. When I placed the order I realized I used my checking account which ends in XXXX, so I immediately changed it to my capital one credit card which ends in XXXX. Capital one paid funds from my checking account and my credit card to XXXX. I reached out to XXXX and they assured me they only received the money from the account ending in XXXX. So I Disputed this charge with capital one. So long story short after 3 disputes they keep saying they did not find a error. I contacted capital one and they told me the reason why they keep denying it is because I am not emailing them XXXX proof or information. I emailed them 3 times plus I went to a branch in XXXX XXXX on XXXX XXXX. The teller emailed and fax them over the paperwork and they still said they did not receive it from her. Unfortunately I do not have the fax receipt anymore because I thought the situation was handled. When I asked them was there anyone I can talk to in that department they said the department who handles the disputes do no take phone calls. I asked them about their legal department and they stated several times they do not have one. They never referred me to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Someone with a net spend account under my name and other information logged into my XXXX account and changed my direct deposit information that was originally set to receive payments to XXXX XXXX. XXXX goes through the company I work for to show my timesheets and paystubs. Net spend refuses to let me cancel this card which I never made nor authorized to be made and this card now has access to my paycheck that Ive worked very hard for the past XXXX weeks.

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 2021-03-17
Company: Santander Consumer USA Holdings Inc.
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Paypal Holdings, Inc
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Paypal has been constantly calling me about an amount I owe them. They call 7 days a week multiple times per day and no one is ever on the line, the moment I answer and try to speak to someone they hang-up or the call fails. They call while I am asleep, driving, and working. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
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 am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you,as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced (as mandated) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victim’s Complaint and Affidavit

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 2022-11-04
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I DO NOT OWE SOUTH WEST CREDIT SYSTEMS {$2.00} I KEEP DISPUTING THIS. I AM CAUGHT UP IN XXXX BREACH WHICH THEY NEED TO DISPUTE ALL THIS OFF MY CREDIT FOR GOOD, CREDIT MONITORING NOT DOING ANYTHING THEY REALLY NEED TO BE SUED FOR XXXX IF I CAN. I AM NOT GOING FOR NO THATS NOT FAIR TO ME OR ANY OTHER PERSON CAUGHT UP IN THE XXXX XXXX SO THERE IS SOMETHING THAT NEEDS TO BE DONE. YES DISPUTE EVERYTHING ON XXXX XXXX XXXX XXXX XXXX YEAH I APPLIED SOMEBODY STOLE THAT TOO. NOW I CANT GET AN ACCOUNT. ITS GETTING ANNOYING KEEP HARASSING ME OVER DEBT NOT MINE DELETE IT FOR GOOD. FOR I FIND OUT HOW TO SUE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: MoneyLion Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I applied and was approved for a {$1000.00} loan by MoneyLion. As part of this loan, they require that you pay $ XXXX membership fee which you can not cancel until the loan is paid in full. They made {$250.00} available for use and stated that the remainder would be held in a " reserve '' for future use. I contacted Moneylion to access the money in reserve, but they stated that the reserve can ONLY be used to pay off the loan in full - at which point I would be charged interest on the full {$1000.00}. Charging interest on money that wasn't actually borrowed, in addition to the required " membership fees '' is by definition illegal predatory loan practices, and this company must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debtor : united collection servic, agency : experian. 
Acct # : XXXX commerce XXXX XXXX XXXX , XXXX. 
XXXX ( XXXX ) XXXX '' Address I.D . # '' :XXXX1 ) the " debtors name '' is abv. & MIS-spelled. 
( Servic. Instead of service ) 2 ) my " Legal name '' IS : XXXX XXXX XXXX. NOT, : XXXX " XXXX '' XXXX. 
3 ) Please advise above debtor to submit a bill for ALL " unpaid medical bills '' to my insurer, XXXX for payment in FULL. 
Thankx.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Thomas, King & Associates
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
Family members have been receiving calls from Thomas King and Associates. They have asked if they know my wife and need help with verification of information on a application that was submitted. I am not sure how they were able to connect the dots or have my families cell phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I deposited {$2000.00} dollars with XXXX on XXXX/XXXX/2015 My account manager never had me fill out a Form DCF ( Document Confirmation Form ) which is part of XXXX Complaince Departments Protocol. My money was never used for trading and on XXXX XXXX was sent to XXXX XXXX 's address in XXXX.. I received a phone call from XXXX a few weeks later from a XXXX XXXX, Senior Supervisor for XXXX. His phone number is XXXX XXXX XXXX XXXX. He told me my money was embezzled by XXXX XXXX and I should Contact my Bank Concerning this issue. My deposit was never used for trading and XXXX never told the Compliance Department about my Deposit. He concealed my money and the money of many of his other Clients taking over {$100000.00} and more. XXXX could not tell me how to get my money back, but did tell me I could dispute this transaction with my Bank. He could not give me more information because a Crime had been committed and this was reported to the XXXX XXXX Police Department. He refused to give me a case number for the Police Report Taken. Since my Money was never used for trading this was a breach in the XXXX contract I signed.. The DCF form was never filled out to show proof of my Deposit and XXXX concealed all of this from XXXX. I am sending you many documents and I hope someone at Bank of America reads them that has a Brain. I received conflicting comments from several customer Care agents in The Bank of America Dispute Department. The last woman I spoke to either did n't know how to read or did n't understand what a Contract was. The woman was XXXX or XXXX from her accent and was unable to answer any of my questions when she had the paperwork right in front of her. It was obvious she had not read the contract written by XXXX XXXX and only focused on the XXXX Contract for risks of losing money. My money was never used for trading and was embezzled by XXXX XXXX. There was a Crime committed and a breach in all of XXXX Contacts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: AZ
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:
Hello, I submitted a request to all three major credit companies, XXXX, XXXX, and Experian, on XX/XX/2022. I asked to have an investigation done on various accounts on my credit report, including some that I stated may have been fraudulent. I sent my inquiry letters by certified mail and got a receipt of delivery which I can provide if needed. I received a response from only one company XXXX on XX/XX/2022, requesting more information. This was sent 5 months after receiving my initial request. I received no response from the other XXXX companies. It is now XX/XX/2022. This is unacceptable and from my understanding, they are to remove the requested items due to their lack of 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
Consumer complaint received 2016-06-03
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBE GROUP account number XXXX is reporting on my credit file this account was a XXXX balance when they reported. I paid the original creditor. I am asking that CBE provides me with the contract I have with them that allows the to again access to my credit report or the letter of assignment from the original creditor or where my account was bought by them. 
2. I want a complete payment history. 
3. and a copy of the notice that this account was in collections and where it was sent and what date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Lender : Bayview Loan ServicingLoan # : XXXX would like to report a fraud committed by Bayview Loan Servicing Company. 
My initial loan servicer was XXXX XXXX and I was working with them for the long time to get my loan to modify and get affordable monthly payment. I was provided them all required documentations. 
In XX/XX/XXXX, when I was in the process of loan modification review and trial payment plan, XXXX transferred servicing of my loan to Bayview Loan Servicing. According to the HAMP/MHA and Servicing Disclosures they were obligated to transfer all my financial documentations regarding my loan modification. But, as I found later, they did not provided to Bayview Loan Servicing copies of my bankruptcy discharge papers, which took place back in XX/XX/XXXX, and I was provided to the XXXX copy of this document. 
On XX/XX/XXXX, I was approved for permanent loan modification by Bayview Loan Servicing, copy attached. As per the instructions, I notarized XXXX copies, and mailed back to the bank, and began paying my new modified payment as of XX/XX/XXXX. All my payments were done on time over the telephone, and bank never told me that my loan modification is canceled. 
Suddenly I received a letter from Bayview Loan Servicing that my loan modification was canceled due to not providing to the bank prove of clean title, and I supposed to be still in the bankruptcy. I contacted the Bayview Loan Servicing and they told me that I never replied to their request to provide clean title documentation. I never received any letters from Bayview Loan Servicing requesting the prove that my bankruptcy is discharged. They told me that letter was sent to me by XXXX, but they could not tel me when or provide me with the prove of tracking number receipt. 
During the conversations with Bayview Loan Servicing representatives I was told that they do not care and my permanent modification is canceled, and my loan is referred to foreclosure department. Also, they returned my last payment through XXXX, XXXX XXXX XXXX, XXXX, copy attached. Bayview Loan Servicing representative told me to re-apply for new loan modification. 
I found this actions by Bayview Loan Servicing in violation of Bankruptcy Law, even if borrower in the bankruptcy the servicer is required to consider loan modification application without requiring you to reaffirm, or reinstate, your personal obligation on any discharged mortgage debt. 
I can not start this process again after years I spend to get my permanent loan modification. 
I 'm requesting to re-instate my permanent loan modification was approved and accepted on XXXX. I 'm requesting to re-instate all my monthly payment and bring my account current.

Company response to consumer: Closed with explanation