BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have XXXX separate investment accounts ( XXXX personal and XXXX IRA ) with BMO Harris Bank. 45 days ago I sent instructions to transfer all money and equities to XXXX XXXX. In the last few days, XXXX XXXX has made numerous telephone requests for any information and has only received run around remarks such as " I do n't know '' or " I have no idea who you can call '' or " I do n't have that information ''. Obfuscation, foot dragging and total fiducial irresponsibility by any measure -- -no professionalism and possibly theft such as loss of opportunity profit. BMO deserves to be penalized for lack of acceptable minimal procedures and ethics.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: MI
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 am name is XXXX XXXX XXXX and this this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under XXXX XXXX  days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX  XXXX Balance - Bankruptcy chapter XXXX Reference number : XXXX Amount : -

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 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have XXXX medical bills on transunion and XXXX progressive accounts all in collections that were ALL removed and now they are back on my report. I do n't owe progressive anything and I have medicade so the medical bills should have been billed to medicade not me. Also transunion and XXXX do not show all of my good accounts and refuse to add them. XXXX has refused to remove any of the medical bills they show. the only report that is correct is XXXX. They removed all of the fraudelent accounts from my idenity theft all of the medical bills and they show all of my good accounts. I am so aggervated with fighting with XXXX and transunion to fix my reports. I want to buy a house and this is making it impossible. Can you please help me?

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 2015-08-27
Company: Coastline Financial Resources, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
We got a call from a California number ( XXXX ), stating that they had process papers to serve on my wife. The person on the phone refused to give any information, but gave a number where we could get information on the case, and a XXXX digit " case number. '' The company he advised that we call is Coastline & Associates, and the number is XXXX. 

When my wife called that number, the person refused to give any information about the supposed debt until my wife gave him personal information. When she refused, he terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
credit report is showing a tax lien that has surpassed the statute of limitations for a lien in XXXX co georgia for XXXX . i spoken with irs and paid my back taxes. its still showing oon my report. im trting to use my va benefits to purchase the home but this inaccurate lien wont go away.

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 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
credit report is showing a tax lien that has surpassed the statute of limitations for a lien in XXXX co georgia for XXXX . i spoken with irs and paid my back taxes. its still showing oon my report. im trting to use my va benefits to purchase the home but this inaccurate lien wont go away.

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 2020-01-16
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received company 's answer under Complaint # XXXX Here is the list of the payments I made on the 1st Mortgage : 1st Mortgage Payments from XX/XX/XXXX to XX/XX/XXXX Account # XXXX Date : check # amount for Month of : XX/XX/XXXX XXXX {$1100.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX online* {$1200.00} for XX/XX/XXXX *Confirmation # XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX Yet they still say I'm late and reported me late from XX/XX/XXXX to credit bureaus and won't fix it? Can you please help? 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 2022-06-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
hello, my name is XXXX XXXX. 

i would like explain to paypal about my concern. 
i has paypal for along time and i always use my account in good way. 
i love paypal becouse is safe, i love paypal becouse is easy to resolve any financial problem. 

I feel really sad becouse now my account has been limited without any reason. 
i dont have any charged back, i never been involved on fraud activity. 
i respect the policy of paypal. 

I wish to get my account back. 
i will apreciate if somebody will able to help me to resolve this problem. 
my email is XXXX ID referent is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The CBE Group , Inc at XXXX XXXX XXXX XXXX, IA XXXX has been sending me collection notices in the amount of {$1200.00}. The Collection has been reported as pasted due balance. I do not know this company. I have never did business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage loan through Navy federal, to see how their rates stacked up against my current lender, XXXX XXXX. XXXX XXXX was assigned as my loan officer and we began to move through the process. Rates were rising so XXXX XXXX  said it may be worth looking at locking the rate. My builder provided a {$3500.00} credit for using XXXX as a lender but I wanted to see how the rates compared with NFCU still. 
On XX/XX/2022 I was provide a rate lock quote from XXXX XXXX, Navy Federal Credit Union. The rate lock was for a new construction VA loan, and was quoted at {$570.00} to lock the rate for 120 days. I confirmed with XXXX that the cost to lock that rate for 120 days was only {$570.00}, she confirmed, so I asked her to proceed with the lock. At this point the rate was slightly cheaper to go with NFCU, even with the {$3500.00} lender credit from XXXX. After she locked the rate and presented me with my new loan estimate, I noticed that the cost of the rate lock had doubled, and she also added an origination fee of {$2200.00}. 
I immediately reached out to XXXX and asked her about these cost increase and requested that NFCU honor what I was quoted. After multiple attempts to call and email her, she finally responded and said that she had fixed it. The new loan estimate came back and the rate lock fee was reduce to the {$570.00} but the {$2200.00} origination fee was still on there. I reached out to here multiple times again with no response and finally had to call NFCU. I spoke with her supervisor XXXX XXXX and she said that she was submitting to the pricing desk and would get back with me ASAP. I never heard back from her and then a week later XXXX emails me and says that she disclosed the origination fee when she quoted me, which is completely false and I have the emails to prove it. It has been almost a month of me trying to get this fixed and there is still no resolution. They are requesting loan documents from XXXX XXXX, which I no longer have access to since I dropped them as a lender, in order to match the rate. I am not asking for any type of rate match or lender credit match. I am asking that Navy Federal honor the rate that I was quoted and not stick with me and extra {$2200.00} in closing costs for an error that was made by their loan officer.

I would like for this complaint to be escalated and known to NFCU, in hopes that they can help remedy the situation. In all other aspects of banking I have had no issues with them, but this latest loan process has been an absolute disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We leased a vehicle with ALLY Bank, that was mistake # XXXX. Here is what happened. My wife drives our XXXX children to school every morning and uses the XXXX lane. And according to the US Department of Transportation Federal Highway Administration, children count as passengers. Apparently one morning, a police officer must not have been able to see the children in the car, and instead of pulling my wife over ( and realizing there were XXXX people in the car ), he just took down the plate number and sent a summons. 

Here is where the problem begins ... .because it is a leased vehicle, the summons went to ALLY Bank, not to me. So we had no idea this happened. Months go buy and I get a letter in the mail from ALLYthat I owe the summons amount and that they are about to pay it for me. So I immediately call them and tell them not to pay the summons becuase we need to fight this because we never touch the XXXX lanes where we live except to go to school with the kids in the car. 

Fast forward a month or so and I get a bill saying that I owe ALLY for the summons and I called again and said what about us fighting this? ... we definitely didnt break any rules and this is when Ally 's horrendous customer service kicked in. I must have called and spoken XXXX different people and every one of them had a different answer with the last volatile person telling me that it is too bad, you have to pay it because we paid it for you. Again, I repeatedly told them not to pay and to fight it. It isnt even about the money, it 's the prinicpal of the thing. 

So because ALLY Bank is lazy and no one on their end wanted to do their job, I am stuck with a fee that I should n't have to pay but they threaten to go to a collections agency to mess up my credit. This is unfair and shouldnt be how people are treated. Obvioulsy this bank lost a customer for life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: Credova Holdings Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX of XXXX  at XXXX I requested for an extension of credit pursuant to 12 CFR 215.3 to Credova Financial LLC through their online website, according to the Truth in Lending Act 15 USC 1602 ( f ) to have " Credit '' is my Right to incur Debt and defer its payment. After filling out the application and providing the company with my personal information, social security & credit card number 15 USC 1602 ( 1 ) they responded to me through email at XXXX minutes after I submitted the application with an Adverse Action pursuant to 15 USC 1691 ( d ) ( 6 ) denying me my right to credit.

Within this Adverse action the company Credova Financial LLC have broken the law ( 6 ) times Violating FDCPA and FCRA pursuant to title 15 USC 1692f ,15 USC 1692j, 15 USC 1692e ( 10 ) ,15 USC 1692d, 15 USC 1681q, and 15 USC 1681 ( a ) ( 1 ) ( 2 ) In the adverse action the company informed to me that they gave the offer " careful consideration '' but noted that the " Application information provided can not be verified. '' which is false because they provide me with a credit score and said, '' Our decision was based in whole or part on information in a credit report. '' then soon after mention that " The credit reporting agency played no part in our decision. '' which is very misleading considering what was just said to me the sentence before. Then finally at the end of the letter they stated, " We obtained your credit score from the credit reporting agency and used it to make our decision. '' which is deception and contradicts everything that was recently said in the beginning of the letter about not being able to verify the information.

At that moment Credova Financial LLC charged my credit card for the purpose of obtaining services on credit pursuant to 15 USC 1602 ( 1 ) in doing so made an inquiry on my consumer report while simultaneously denying me credit by use of false and misleading representation through an adverse action letter. Credova Financial LLC committed a crime pursuant to 15 USC 1611 ( 1 ).

The entire Adverse Action letter was false and misleading representation 15 USC 1692e, unfair practices 15 USC 1692f, Harassment 15 USC 1692d, furnishing certain deceptive forms15 USC 1692j and obtaining information under false pretenses 15 USC 1681q and held no accuracy & fairness of credit reporting according to Title 15 USC 1681 ( a ) ( 1 ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Account terms and changes

Complaint:
On XX/XX/XXXX2015 went to the branch in XXXX Ohio to Fifth Third Bank on XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I made a withdrawal of {$990.00} {$790.00} was the cash amount that I was to get back. And {$200.00} was to be deiposited into my sons account. Later that evening I got a phone call from a cell phone number of XXXX never said who he was or anything. Just said his draw was short and asked if I had the correct amount of cash back? I said yes it was and that I always check. I think that this is harassment on his part. What gives him the right to call me after hour on his cell phone and ask questions?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX and I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are wrong, since the only names I have ever used are XXXX XXXX, at birth and XXXX XXXX. I have also never lived at : XXXX XXXX XXXX XXXX XXXX XXXX. This address belongs to my sister, XXXX XXXX. I presently live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and before that I live at XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never lived in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or in XXXX, XXXX, some of those addresses belong to my sister, not me. 

I am contacting you so that you may correct these errors and to make you aware of the fact that you are linking my financial records with my sister 's, XXXX XXXX, and my mother 's, XXXX XXXX. When we look at each others financial records we can see that we all share addresses and accounts that belong to one another. I have never had a XXXX XXXX credit card, but my sister, XXXX XXXX has. I need my financial account separated from that of my family, because of these errors, when I request a change of address, my families mail is also redirected, as it seems we are all the same person. I have provided documentation to prove my name and addresses, along with my mother and sisters information so that we may be separated from one another. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This saga started in XX/XX/XXXX, when I called LoanCare to determine the amount of refund we should expect from our Borrower-paid Single-premium PMI policy if we refinanced our loan and paid off the balance serviced by LoanCare. It took several calls to get any kind of answer, and then they told me I had to call the actual insurance company to get that amount. I called that company, and they laughed at me. " You are not our customer. We will only talk to LoanCare. '' Subsequent to the XX/XX/XXXX payoff of our loan via that refinancing, LoanCare is refusing to respond to repeated inquiries about the status of the refund of the unearned premiums due us from our single-premium borrower-paid PMI policy. This is in direct violation of the Homeowners Protection Act of 1998. Here is the specific language from the HPA : " After informing the mortgage insurer of cancellation or termination, you must send notice to the borrower that you canceled or terminated PMI. You must send this notice not later than 30 days after you have canceled or terminated PMI. The mortgage insurer then has 30 days to return any unearned premiums to you. You, in turn, have 45 days to return the unearned premiums to the borrower. '' No notice has been sent by LoanCare, and they are refusing to acknowledge that they have any obligations to do so. 

Multiple emails ( attached below ) were ignored, and when I finally reached " XXXX '' by phone ( on XX/XX/XXXX ), she clearly didn't understand what a single-premium PMI policy is ( despite being in LoanCare 's " insurance '' group ). After first telling me that we received a " PMI refund '' as part of our escrow refund ( which we did not ), she put me on hold again -- returning to tell me that there is no refund due for our policy. I asked for documentation for why that is the case, and she promised that I would be receiving that by COB. 

Crickets. Based on the fact that multiple previous interactions have resulted in zero response, I am confident that LoanCare believes they can continue to avoid their responsibilities in 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 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX original report {$2400.00}. This is a bill that is suppose to be paid through restitution from a XXXX case that is being handled through XXXX, New Hampshire court. The person has not made any payments toward the restitution and he has been in and out of prison since 2011. His probation officer is XXXXXXXXXXXX if you need to contact her. In the mean time I would like for this outstanding balance to not affect my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation