BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a Key XXXX Checking account online after receiving a mailed promotion from KeyBank offering a {$400.00} bonus for making a minimum opening deposit and one single direct deposit of at least {$500.00} within 60 days of account opening. I went in-branch on XX/XX/XXXX and made an opening deposit of {$25.00} while at the branch, I confirmed with a banker that the bonus offer code was correctly applied to my account and that the only other requirement was to make a direct deposit by the XX/XX/XXXX deadline. My checking account received a payroll direct deposit of {$600.00} on XX/XX/XXXX, thus fulfilling all the requirements of the bonus offer. 

After more than four months since completing all the requirements, I still had not received the {$400.00} bonus, so I called KeyBank 's customer service phone number on XX/XX/XXXX to inquire about its status. The KeyBank representative confirmed that the bonus offer was attached to my checking account and that I had fulfilled the opening deposit and direct deposit requirements of the offer, but claimed that I also had to make three withdrawals ( either electronically or via debit card ) from the account within 60 days of opening and denied my eligibility for the bonus since I had only made two withdrawals in 60 days. This withdrawal requirement was not mentioned anywhere in the promotion terms provided by KeyBank via mail and on their website, nor was it mentioned in-person when I visited the branch on XX/XX/XXXX. The phone rep filed an appeal with KeyBank on my behalf on XX/XX/XXXX, and called me back on XX/XX/XXXX to inform me that the appeal had been denied. 

KeyBank has failed to honor the terms of their agreement, and, despite acknowledging the fact that I have met all the original requirements, they invented new requirements as justification for refusing to uphold their end of the deal. I have attached to this complaint a screenshot of KeyBank 's web page containing the promotion terms ( which is archived online at https : XXXX : XXXX? XXXX ), an e-mail from KeyBank on XX/XX/XXXX confirming my checking account opening, and bank statements from XX/XX/XXXX through XX/XX/XXXX verifying the aforementioned deposits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-03
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
First, my issue is not covered in the above selections. 

I'm attempting to get my overpaid property taxes back from my recent mortgage refinance. Amerihome paid my property taxes to XXXX XXXX, after I asked them not to, and AFTER I had already refinanced with another company ( XXXX XXXX ).

My double payment was required at closing, even though I had paid my property taxes to Amerihome ( {$1300.00} ).

It has now been 49 days since this double payment was made. I communicated with Amerihome, but they intentionally prolonged me receiving funds simply because they can. There is no recourse for their actions. 

XXXX XXXX refunded my double payment to Amerihome back on XX/XX/XXXX. They have kept my money for 40-45 days and have made no effort to contact me via email, phone, or mail. 
They also paid my escrow late and were dinged {$49.00} ... which I'm sure I paid somehow. 

Now they say it will be another 10-14 days of processing ... in addition to mail time. So, another 14-21 days. This is criminal. How are they allowed to do this? To keep my {$1400.00} for 2
-3 months and pay it back whenever they choose.

If their customer is one day late their credit is dinged and late fees are assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: SYNCHRONY FINANCIAL
State: SC
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666b a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2022-04-06
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: Account information incorrect

Complaint:
XXXX, Transunion and XXXX reporting inaccurate information on my credit report. I am a victim of identity theft and these companies have refused to report the correct information.

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 2022-10-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 at XXXX pm. I went to try to deposit {$620.00} at Navy Federal Credit Union in XXXX XXXX Georgia. I was trying to deposit it on a XXXX XXXX. Navy Federal Credit Union ATM went along with the procedure and took my money at the end of the transaction it said couldn't be deposit returning your funds but the funds was never refunded the machine malfunction and it kept my funds. I contact XXXX XXXX about 3 to 4 times they said that was nothing they could do got to contact XXXX. XXXX telling me to contact me with XXXX so basically I'm stuck without my funds. XXXX XXXX is aware of the problem but won't contact me back and I'm not a member of XXXX XXXX

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 2023-09-08
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Issue is with Chime Bank I had not used account for sometime and it was suspended. I decided I was going to use it again. In order to reinstate the account I had to provide them proof of ownership. No big deal, all good for security. 

Red Flag XXXX It was discovered when someone had changed my email address on the account. I had to go through enhanced procedures ( uploading ID, etc. ) to prove to Chime I was me. Again, all good - I jumped through hoops. 

Red Flag XXXX Upon getting access again to the account, I discovered there were XXXX fraudulent transactions on my account from a few months ago. They were small amounts, but concerning for security of the account. I requested for Chime to change my account numbers and/or give me a new account for safety and precaution - clearly someone had unauthorized access to my account and had changed my email and also worked with the account. 

Red Flag XXXX - new cards had been sent out to me and I never received these cards. 

Despite these issues, Chime refused to get me a new account. They told me I couldn't have multiple accounts ( this is not what I was asking for ). Additionally, I shouldn't be worried about the cards send since " they hadn't been activated ''. 

Based on this unacceptable response, I just decided to close the account for good and take my business elsewhere. 

Why I'm filing complaint - In that closing I was very clear multiple times to not send me the funds in the account since they were fraud and not mine. Chime has refused to interact and just today sent message they are cutting a check to me. I have chosen to escalate at this point because I don't want anything to do with the fraud funds regardless of the amount. If the funds are fraud they should not be under any implication to send me funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, The consumer reporting agency continues to report a fraudulent and inaccurate account to my credit report!!! 
ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the Fair Credit Reporting Act Account # XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

1

5 U.S.C 1681 Section A. States I have the right to privacy.

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

Please delete this account Immediately!!!!

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 2023-09-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-03-10
Company: Maximus Education, LLC dba Aidvantage
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted a Consolidation Form to the USDOE and received the email below. My response is at the bottom. Why is Sallie Mae involved? 

XXXX XXXX To : XXXX " Fri, XX/XX/XXXX at XXXXXXXX XXXX Dear XXXX XXXX XXXX Thank you for your interest in the Direct Consolidation Loan Program . We received your application ; unfortunately, were unable to complete your request because of one or more of the following reasons : Your references address is missing. Please provide street address for XXXX XXXX. 
We will need : Complete street address City, State, Zip In order for us to complete processing your application, please call us at XXXX within 3 days so we can obtain any missing information. If we do not hear from you, your application may be canceled. Were here to help you Monday Friday XXXX XXXX XXXX XXXX XXXX ET. 
We appreciate the opportunity to serve you. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX I am looking to consolidate my Perkins loan with loans made the through the Federal Student Aid via the Department of Education. 
You appear to be Sallie Mae, a private agency. How did you obtain my Consolidation Form? 
Please advise. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: AES/PHEAA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report  standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-05
Company: Paramount GR Holdings, LLC
State: NC
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:
Loan pal will not remove my info from my credit report. This is my wife only account. 

I never gave loanpal my consent. As you can see these loan documents do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: TX
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 XXXX account number XXXX in the amount of {$3700.00}. I have no knowledge of this account please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TCF Bank has locked me out of my online banking. They give me a number to call to fix it, but I can't fix it with the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXX BANK : Account number XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On Wednesday XX/XX/2019, I contacted Caliber Home Mortgage to inquire about payment of my local city property taxes, because I had received notice from the city that taxes were unpaid and my house is subject to tax sale. Two late penalties had already been assessed and payment was grossly overdue. I spoke with a representative who promised to " escalate '' the request to have my tax payment disbursed to the city. I was told that we would have an update or a resolution by Monday XX/XX/XXXX. 
I did my due diligence by calling the city myself to confirm that no payments have come in on my behalf. I also contacted my title company to confirm that no special escrow funds for taxes due after my settlement/purchase date were being held by the title company, as that is not customary anyway. Also, I attempted to work with my loan officer who processed the loan, and he provided me with no help either. He had a colleague at Caliber look into the matter, but then decided to have me work with customer service and advised that he would no longer be of assistance. Their names are : XXXX XXXX XXXX and XXXX XXXX XXXX I called in periodically to check for a status update, and was told that the request was " being researched '' but there were no tangible updates. The managers that I spoke to were : XXXX, phone number XXXX ; and XXXX XXXX, who advised me that she doesn't have a phone number. 
I called on the promised resolution date of XX/XX/2019 at XXXX XXXX  in the morning, XXXX XXXX, and was told that there were still no updates. XXXX XXXX advised that she would call me before she leaves for the day with an update. She leaves for the day at XXXX Central time, so I am awaiting a call back, however, given the lack of follow-up thus far, I am respectfully submitting this complaint, because I feel as though I have been mistreated by the company with no recourse for actual assistance. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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