BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-25
Company: BOK FINANCIAL CORP
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BANK OF OKLAHOMA doing business as XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Tesxas, XXXX ) XXXX ( or XXXX XXXX, XXXX ).
XXXX XXXX XXXX has an internal automated payment system for insurance vendors and paid the max flood insurance amount instead of the current insurance amount. They admitted to the error and continue to not be able to resolve the matter. We continue to receive lay payment and foreclosure notices even though we continue to make full payments to them. First they argued they had not made a mistake and then finally admitted to the error. My concern is how many other individuals ' insurance is being overpaid by this vendor and then collected from consumers without their knowledge. By time the consumer learns of their error through annualized escrow analysis it is too late and the insurance company is unwilling to make an adjustment based on XXXX XXXX XXXX 's mistakes. It is concerning that XXXX XXXX XXXX has an automated system and does not keep backups of insurance bills sent to them and by law they are required to review the three flood insurance options and pay the current coverage unless otherwise noted. I believe XXXX XXXX XXXX through neglict of due digiligence and poor customer service is displaying little or no respect for the laws surrounding flood insurance as well as those that protect home owners -- not living up to their side of the mortgage contract. I have spent substantial time on the phone with these individuals and the most recent individual ( XXXX XXXX 's supervisor by the name XXXX ) I spoke with was very accustory seeming to point blame at myself when clearly everyone on her team researched the error and it was multiple times admitted to being their error. Now I believe this has moved beyond " error '' and is 100 % stepping on the rights I have as the home owners and my concern is for others that XXXX XXXX XXXX is servicing and the rather lackluster approach to lawful business services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: CULLEN/FROST BANKERS, 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:
Frost Bank did a hard pull on my credit without my consent. I inquired about a loan at a branch, gave all my personal information and asked to have my file sent to an underwriter. But I never agreed to have my credit pulled. No disclosures were given to me and no consent was obtained verbally or in writing. I called Frost Bank after a hard credit inquiry appeared on my credit report to have it removed. They were going to speak with the branch banker who had only ever taken one application prior to mine and get back to me. I called three times, spoke to employees in various offices, and a woman promised to get back to me. I told her this was clearly a regulatory violation ( FCRA and Regulation V ), reporting a credit inquiry without having obtained consent or providing disclosures. Please ask Frost Bank to remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Bread Financial Holdings, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Made a simple PAYPAL purchase on XXXX. I had a credit balance. I then received a bill. Confused, I called them only to learn that by clicking the button called Paypal credit, XXXX SECONDS LATER they slammed me with a {$6500.00} XXXX line of credit! I never needed wanted or asked for this! They said it was confirmed in an email - IT WAS NOT! They named a new product as what I thought I have always had ... .PAY PAL CREDIT ... .what do they call the other? its purposeful and I 'm furious. I called them and closed it down ... telling them what I thought. THEY NEED TO BE STOPPED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian shows that I made a late payment on a XXXX XXXX XXXX mortgage account ( XXXX acct number ) onXX/XX/XXXX2014. This information is incorrect, I disputed the late payment reported by XXXX XXXX XXXX ( XXXX ) through the CFPB earlier this year, and XXXX agreed that it was an error, and provided all 3 credit bureaus an update to show that the payment was n't late. XXXX and XXXX correct their records, but Experian has n't made the change yet - and I personally made them aware of the error through a dispute a few months ago, and they still have n't corrected the error. The error has has made it difficult for me to obtain interest rates I need to get a refinance of my current property, and obtain other financial loans that I have been seeking this year.

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 2022-09-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OK
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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my 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 2017-08-25
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX, The last few letters I sent I listed several basic requests for information that you refused to provide. In fact, you decided to send the same exact response twice ; not the least bit clever. Ill remind you that it is illegal and punishable to purposely withhold key information relating to credit disputes and investigations. However, I see that all tradelines from my XXXX report have now been removed. As it stands, XXXX is the only credit bureau left for you or XXXX to authorize the removal of these ridiculous and fraudulent tradelines. I recently disputed the tradeline with XXXX for the 100th time, and provided proof that the tradelines were deleted from XXXX and XXXX. I 've attached the supporting documentation. Yet, your response to the credit dispute on XXXX XXXX 2017 was again the tradelines are correct and will remain. We all know this an FCRA violation- you cant report that an account is fraudulent to one credit bureau and report the same account is valid to another credit bureau. Reported information to the credit bureaus must be the same information across all three reporting agencies. Of course, I disputed the matter again on the same day with XXXX only this time I expect that you or XXXX  will remove the remaining four ( 4 ) tradelines from XXXX immediately. I understand you have no regard for consumer protection laws and believe that I will somehow magically pay off this Phantom Debt, but you are mistaken. If you have a pinch of integrity and honesty then do the right thing ; remove the tradelines. If not, I will keep fighting and disputing for however long it takes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is not mine debt, it was sold to Portfolio Recovery Associates LLC and without any notification it has been reported to all three credit bureaus since X/2016. There is no legally binding contract with my signature between this company and my self. Even after several request for this information I still have not received it and they continue to report false damaging information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: FL
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:
Repossession : In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

I demand these accounts be deleted immediately or I will file for litigation. 
XXXX XXXX XXXX - XXXX XXXXDOFED - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX FXXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Law Offices of Alan Mege
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The law offices of Alan R. Mege Attorney ID # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX has purchased my debt from XXXX XXXX XXXX XXXX the debt originated with XXXX XXXX XXXX XXXX. The law offices of Alan R. Mege are now trying to sue me in small claims court for the amount owed on the debt however under the original consumer leasing agreement which he is using as exhibit A in his case it clearly states this is not permitted in the binding arbitration agreement and reads as follows " You and we agree that any claim or dispute arising from or in any way related to the agreement must be resolved by binding arbitration in the state where you live instead of a lawsuit ''. I was never even offered the arbitration as an option nor received any communications from the law firm to set up any such arbitration. Secondly Alan R. Mege is in violation of the fair debt collection practices act which states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between myself ( alleged debtor ) and the collector ( The Law offices of Alan R. Mege ) no collection can be sustained. His complaint is for the amount of {$1100.00} plus a {$750.00} legal fee the original debt dates back to XX/XX/XXXX. I am hoping you can assist me with this issue as the law firm is the 5th owner of this debt and as mentioned above not entitled to collect these monies thank you in advance for your help and feel free to contact me for further information if needed.
Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX HAS FAIL TO PROPERLY INVESTIGATE ACCOUNTS THERE ARE FRAUD SUMMITED A DISPUTE AND I TOOK 2 DAYS TO SAY THAT THEY VERIFY THE ACCOUNTS IN QUESTION WICH IS CAPITOL ONE, XXXX XXXX WICH XXXX WERE OPEND DO TO IDENTITY THEFT IN WICH I HAVE SUMIT AL PAPERWORK TO XXXX XXXX INCLUDING POLICE REPORT FTCA REPOT AND STILL THE HAVE VIOLATED MY CONSUMER RIGHTS. ACCORDING TO THE FCRA ACT SECTION 609 A 1 A THEY ARE REQUIRE BY FEDARL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION AND I DEMAND THE FOLLOWING ACCOUNT TO BE VERIFIED OR REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Mr. Cooper Group Inc.
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Mr. Cooper Mortgage keeps calling my wife repeatedly after being told to stop. They leave no message and our mortgage is currently in good standing. These are the times and dates that they have called in the last week : XX/XX/2021 at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

XX/XX/2021 at XXXX XXXX. 

XX/XX/2021 at XXXX XXXX and XXXX XXXX. 

XX/XX/2021 at XXXX XXXX. 

All times are Mountain Daylight Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: DE
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:
Account is paid off and still shows balance on the account. 2nd account was never late shows late, I have auto payments for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
MOVE THESE COLLECTIONS AND ACCOUNTS IMMEDIATELY YOU ARE IN VIOLATIONS OF 15 U.S CODE 1681a 3 RESTRICTION OF SHARING MEDICAL INFORMATION, (e) THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER ,GENERAL REPUTATION PERSONAL CHARACTERISTICS,OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS. WITH NEIGHBORS, FRIENDS , OR ASSOCIATES  OF THE CONSUMER,(YOU NEVER INTERVIEWED ANYONE REMOVE THESE COLLECTIONS IMMEDIATELY) REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH INFORMATION SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMERS CREDIT RECORD OBTAINED DIRECTLY FROM CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER.     YOU ARE IN VIOLATION OF THE LAW IT COMPLETELY STATES YOU ARE NOT SUPPOSE TO INCLUDE ANYTHING FACTUAL IN A CONSUMER REPORT WHICH YOU DID, AND YOU SHOULD INTERVIEW MY FRIENDS NEIGHBORS AND ASSOCIATES YOU NEVER INTERVIEWED ANYONE DURING THIS ENTIRE DISPUTING PROCESS. THE CONSUMER REPORTING AGENCY ARE AN ELABORATE MECHANISM AND YOU ASSUMED THIS VITAL ROLE OF CREDIT INFORMATION Account number D13773xxxxxxxxxx COMMON WEALTH FINANCIAL ACCOUNT NUMBER XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: OK
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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my 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 non-monetary relief
Consumer complaint received 2017-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I am a long standing customer with Capital One. I contacted them and ONLY upon agreement to have them delete the charge-off from my report, that I paid the balance offered by them. In addition, I was also given additional credit in an amount higher than my balance after I paid the Charge-off that was already written off and tax credit granted. I would not have agreed to pay off any balance, knowing that they already received their tax credit, nor accepted another line of credit, if the agreement to remove the negative reporting off my report was not put in place first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX XXXX I was going to order a temporary replacement while my permanent one was being made. I was going to finance it through a company called XXXX XXXX XXXX Then I was informed that a temporary replacement couldn't be made for me because I don't have enough XXXX. So I never utilized XXXX, XXXX yet they charged me anyway. In 2018 they charged me {$350.00} and I refused to pay it because I didn't received the product. They claim that I made payments to them but then stopped so they sent it to collection which never happened because I never made any payments because I don't owe them any money. This is a blatant lie on their part and according to the credit bureau they have had trouble like this with XXXX XXXX XXXX in the past. Why do they get away with this? My credit score has dropped substantially because of 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 2017-08-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX Citibank Credit Card notified me via of unusual charges. I reviewed them and completed their online dispute form they provided. My card had been stolen and used to quickly charge over {$2000.00}. 
They closed the account and swiftly provided new cards. This is the only thing they did fast. 
XX/XX/XXXX The fraudulent charges were moved to the new card. I called and was assured by the phone rep that all would be well and it takes about 30 days to resolve. 
XX/XX/XXXX -nothing. So I called again. " XXXX '' ( Citi policy prohibits providing last names ) Says no disputed charges appear. We reviewed everything again, including each bad charge. She provided case # XXXX. She indicated that it had not been handled properly by the previous rep. She stated on a recorded line ( I asked if it was recorded and she said yes. ) that all should be handled in a few days. 
XX/XX/XXXX Citi emails me a standard template saying that due to the billing dispute my minimum payment due to be $ XXXX.I read this to mean no interest will be charged if I pay {$25.00}, but it is not clearly stated. 
XX/XX/XXXX I get a voicemail from Citi Security " XXXX '' regarding my case. I call back and another rep asks me standard questions like where was the card stolen, re-confirms the bad charges etc. Says, ok, that in a few days the charges will be removed from my account. 
XX/XX/XXXX charges remain on the account. No word from Citi. I also notice that an email I sent them on XX/XX/XXXX remains " unread '' in the Citi online message center. 

They have botched this to such a degree its just sad. They made sure I got a new card right away, but are dragging their feet to address the fraud charges.

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 2017-04-10
Company: Berlin-Wheeler, Inc. (Kansas)
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have contacted the agency,  Berlin-Wheeler several times about removing the incorrect information from my credit report and  they refuse to. I have contacted the company,  XXXX   XXXX , about my account with them. They say my account is paid in full but refuse to give me anything that shows it 's paid in full or r eport it to Berlin-Wheeler a s being paid in full. I have paid this collection several years ago and they still reporting it as not being paid. I have contact the credit report agencies   XXXX   XXXX    XXXX   XXXX  and they still have n't done anything about other than it takes 30 days and it 's still working.

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