BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
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: Old information reappears or never goes away

Complaint:
I have three tax liens listed on each of my credit reports, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from XX/XX/XXXXshould be taken off my reports, if not all of them. But they still remain on my reports. <P/>I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $ 100+ of their products to do so, and have gotten no where in actually contacting a human to fix this error. <P/>Please assist, thank you. I can share a screen shot from a XXXX report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.

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 2020-03-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It has been a nightmare to retrieve clear information on my current mortgage company since 2005 my original loan balance has sky rocket to XXXX from XXXX with no clear reason why. I am under litigation with XXXX XXXX XXXX XXXX who is suppose to be the original lender but all documents are un clear on who owns my loan. I am represented by a law firm that is protecting my intrest in my property. I requested documentation on payments history but no one has addressed my request. There are jumps of huge amounts on my credit report not showing why, unclear charges and reason. We have gone to court. Which a forclosure was set to take place and an appeal was issued. DATED WAS CANCELED AND NO NEW DATE HAS BEEN ISSUED.I have been throught 5 different mortgage services,1 XXXX  XXXX,2 XXXX XXXX XXXX XXXX, 3XXXX XXXX XXXX,4 XXXX and know 5 carrington mortgage. They report to XXXX  and XXXX  misleading Information, and inaccurate information. I have sent certified letters to the credit bureau with no resolution. I requested proof of amount due and MY complaints have not been address. Only that validatation was completeted. When I call they just tell me the orginal lender has verified the information, but when I ask how they never address my question. When I request proof they never respond. Until the information is validated and submitted for legal review I need the information on my credit report suspended and deleted. Under the fair credited reporting act unverifiable or incorrect information can not be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have three tax liens listed on each of my credit reports, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from XX/XX/XXXX should be taken off my reports, if not all of them. But they still remain on my reports. <P/>I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $ 100+ of their products to do so, and have gotten no where in actually contacting a human to fix this error. <P/>Please assist, thank you. I can share a screen shot from a XXXX report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.

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 2016-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: ND
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX/XXXX/XXXX, I opened a 15 yr boat installment loan, with XXXX XXXX XXXX. Fifth Third bank took over this loan in XX/XX/XXXX. The final installment was due on XXXX/XXXX/XXXX, and was paid. We then received an additional bill for {$5300.00} on this same loan. We have gone to the bank loan officer three times to no avail for an explanation, other than the charge is for additional interest for being late during the course of the loan. Whenever late, we paid a late charge. Fifth third can not explain how they came up with this figure, nor does the original agreement show anything. I just received a new bill, showing a late charge of {$210.00} on top of the {$5300.00}. The bank calls me 3X a day and yet no one will explain these additional charges. I am being harassed, insulted and annoyed. Please help me get this nightmare cleared up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Dear Concern I'm stating my recent experience with BOFA. I'm using Bank of America account since 2018 and really satisfied their service .But recently for some security issue with the Savings account I just transferred all my money to XXXX XXXX  . As my BOFA acc balance was low i thought they will charge me XXXX $ maintenance fee per month but i was ok with that. 
But recently from XXXX they were charging me XXXX $ ( Overdraft ) for some auto payment. my opinion is if my acc is having low balance then they should decline the payment. But they were charging like XXXX $ and my overdraft amount goes to XXXX . when I checked my statement then I called them and got to know what was overdraft amount. As a student and a small company employee its really hard for me to pay the extra amount like overdraft. Also I didn't know about that. As its my first time. I requested them to cancel and refund me the overdraft amount and in the future I will maintain the balance. But they refused to do that. 
As a service provider they should give better services for the customer. It was my expectation. As this was the first time they should consider the amount after I called them. If that was my concerned i would maintain the minimum balance obviously.

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 2020-03-03
Company: EQUIFAX, INC.
State: AR
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:
For the past several months I have be in touch with Equifax consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Equifax numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Equifax has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Equifax has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A XXXX XXXX XXXX representing XXXX ( XXXX XXXX XXXX XXXX XXXX ) has dinged my credit score for a XXXX Time as of XX/XX/XXXX ( See enclosed ) This matter has taken my score from XXXX to Less than XXXX. 
It is extremely disturbing the recycling un-validated debt is the new scam. 
XXXX mobile has done nothing to protect their current and past customers. 
A XXXX Retention Agent called be, apologized for the matter and waived the final amount. 
This my fifth time sending letters of dispute to each Credit Agency and XXXX. 
During my most recent call with XXXX, I was asked if I had written confirmation of the devices and payments being addressed. 
When I stated Yes I was placed on HOLD for XXXX Hour and XXXX minutes. 
Enclosed is a screen shot of my call with XXXX ( XXXX hours ) XXXX Representatives and no one could explain why my account was in collection. 
Payment ( s ) Made Line XXXX XXXX XXXX Amount Due as of XXXXXXXX  Account Closure XXXX XXXX Line XXXX XXXX XXXX Amount Due as of XXXX  Account Closure XXXX XXXX XXXX Total Due for XXXX XXXX XXXX XXXX XXXX account XXXX XXXX. Thursday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX to Account Confirmation #. XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX Payment # XXXX XXXX Final Amount Due to XXXX The supporting documents entail : 1. XX/XX/XXXX ( XXXX XXXX ) Disputed Charges Letter 2. XX/XX/XXXX, XXXX XXXX debt is Valid XXXX XXXX States No Longer Handler of Account ( F ) 3. XX/XX/XXXX, XXXX XXXX for ( XXXX XXXX ) XXXX XXXX 4. XX/XX/XXXX, XXXX ( XXXX ( XXXX ) Billing for XXXX XXXX and XXXX XXXX ) $ XXXX 5. XX/XX/XXXX, XXXX ( XXXX XX/XX/XXXX ) XXXX Dispute Letter 6. XX/XX/XXXX, Accounting of Payment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 7. XX/XX/XXXX, XXXX XXXX 8. XX/XX/XXXX, Purchase Receipt of XXXX ( XXXX XXXX ) 9. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX 10. XX/XX/XXXX, Account Status Request XXXX 11. XX/XX/XXXX ( XXXX  Cancel Account ) XXXX XXXX. XX/XX/XXXX ( XXXX of Devices ) 13. XXXX XXXX _ Consumer Financial Protection Bureau ( Initial Complaint ) Please investigate this matter and email me a full and complete accounting of my accounts. 
Do let me know you are in receipt of this email and each of the attached files. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: GATEWAY FIRST BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our application was filled out by the lender and incorrectly. Lender would not correct the application, insisted we sign or it would delay processes. Lender would not provide rates and payment terms. Lender would consistently ask for the same income and bank statements even for the same dates. Lender was not responding to emails until settlement date was 3 days away and then they began asking for income documents again. Lender was negligent in retrieving documents we sent them. Lender had multiple agents asking us for the same documents. Lender blamed title company, blamed seller 's agent, blamed buyer 's agent. Lender would promise to work on file and get back to us but did not, several times. Lender confused prior property with current purchase. Lender would not lock in the rate. Lender selected incorrect loan type ( they listed as a foreclosure and an investment, instead of second home/vacation home. Lender 's appraiser used data and pictures from prior evaluation and used incorrect information on final appraisal. On day of supposed settlement we called president and left a voicemail. We were directed to vice president, his son. We were then contacted by three more people. Lender agreed we have a valid complaint and understood we will submit in writing. Lender assigned another agent to call us and start the process over when we were already passed settlement date for second time. One agent was an investigator who asked for documents to from XXXX ( on XX/XX/XXXX ) to substantiate lenders own processes instead of helping us. Process ongoing since XX/XX/2022 and last contact was XX/XX/XXXX. We have done our due diligence. Lender is also assuming sellers assist as payment for points which we did not agree to paying. We merely wanted to know what the difference in payment would be if we paid a point vs XXXX points. Lender refused to communicate rates and P & I on closing disclosure. Lender also would not provide access to company portal and made us send our income documents and all other documents through email. Lender also emailed us someone else 's correspondence, which we deleted per law. We have already paid out of pocket for contractor 's repairs per inspection results and still did not settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: MUFG AMERICAS HOLDINGS CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received a text alert that a transaction had been made on my account for {$790.00}. I called XXXX and XXXX XXXX ( XXXX # XXXX ) and explained that I got an alert. XXXX said " don't worry I don't see a transaction on your acct so likely it's nothing '' A few minutes after hanging up I signed into my CC online and see a transaction referenced above. I called back and XXXX cancelled the card and issued a new card. He further said the transaction would be referred for investigation and taken off my account. On XXXX a new card arrived and I followed the instruction to set up online. When I log in I can see a new charge on XXXX for the same merchant and same XXXX amount. I called and spoke with XXXX on XXXX. She said " its confusing, but that is the reversal of the XXXX charge and with in 24 hours they will XXXX  out. On XX/XX/XXXX I signed in and see that the two XXXX transaction are gone, but a new change on XXXX for XXXX has appeared. I called and spoke with XXXX. XXXX tells me not to worry that the charge is the original charge and I should just ignore it. I explained that makes no sense as the transaction date is XXXX and in a different amount and was posted on an account that as closed four days earlier. She hung up on me. I called back and spoke with XXXX ( Ref # XXXX ). XXXX at least appeared knowledgeable and she explained that it was odd that a transaction would approve on a closed account. She would escalate this issue as she has worked at XXXX for a long time and has never seen a transaction approve, once an account is closed from reported fraudulent activity. I explained that I have no trust in Union Bank as this whole experience is a nightmare compounded by Union Bank 's inability to do their job!

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 2016-02-19
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I received notice from Franklin Credit on my door on XXXX/XXXX/2016 that my home was going to be foreclosed on XXXX XXXX, 2016. I had received a letter dated XXXX/XXXX/2016 that i was awarded a repayment plan and had until XXXX/XXXX/16 to respond. I met with my HUD certified foreclosure counselor the day i received the letter and we found that my profit and loss statement that I submitted had income for one year but listed expenses only for one quarter which made my income seem much higher. We submitted a letter of appeal along with supporting bank statements to show that my income was not as high as they calculated. I called in to ask if they received the appeal on that was submitted via email on XXXX/XXXX/2016 the day i received the notice of sale and they said they had not. However I still had until XX/XX/XXXX to respond to their repayment plan. I re faxed the appeal that had been emailed and have not heard back. 

that they were foreclosing my property while my loan modification was in review. The sale date is scheduled for XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-02-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Received documents from XXXX XXXX Lakeview loan Servicing regarding my mortgage. 
My current mortgage servicer is XXXX XXXX  upon receiving these documents I called XXXX XXXX. Spoke with XXXX ID # KDO Loss Mitigation, the Covid-19 modification was approved XXXX XXXX, 2022. XXXX XXXX  is processing the modification documents to be mailed to me she said the documents would state the modification terms. I have also read that when you receive documents for the same mortgage loan from to different servicers its dual tracking and that is a mortgage violation. 
I have not received foreclosure documents XXXX rate the debt documents. 
XXXX was my servicer for several years they approved the loan for several trial modification of which I paid the trial payments. Upon the XXXX payment being made they would cancel my modifications. Finally, after several complaints my servicer changed to XXXX XXXX LN # 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 2022-07-07
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received auto email notification from PNC bank - Reported wire transfer of {$100000.00} + Cash withdrawal of {$100.00}, {$400.00}, {$500.00} New DEBIT Card request in person at local PNC-XXXX XXXX XXXXXXXXFL branch ( looks like ) end four-digit xxx XXXX ( as per auto generated email notification - do know full number ) in person at PNC-XXXX  XXXX XXXX - FL. - Also, as per local PNC branch/banker while looking at account activity someone also added new phone number XXXX ( unknown number ) by log in to same account on XXXX XXXX at XXXX PM. - its more than 3 weeks and I do not see our wire transfer $ $ back into our account. 
- As of fraud activities I talk to several bank officer in person and over the phone. and PNC bank admit that their office did not follow their own guidelines and pass wire transfer request without identifying right person. 
-I file complain at ETF online. I also file complain at local police dept., and I am very impressed with their help including their detective officer help. 
- As of today, I am kind of lost and do not know what i should do next?

Company response to consumer: Closed with explanation