BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 I visited a local Keybank branch office to provide the necessary documents in order to access my father 's checking account ( set up under his trust ) and money market. I provided the entire Trust documents to include the Trust Agreement, Affidavit and Acceptance as successor trustee, and two independent medical certification letters prepared by my attorney, along with the Durable POA, giving me comprehensive financial authority inclusive of the Estate and Trust. I am seeking access to my father 's accounts in order to pay his XXXX XXXX XXXX XXXX home expenses. My father is a long term patient in a memory care facility and currently under hospice care. Despite a follow up visit to the branch office and elevating the complaint to the KeyBank Client Relations Office of the President at the Corporate office, I have received no response. I have made follow up phone calls without response, and nor have I received any written response validating their denial in accessing my fathers accounts. The verbal explanation I was give by the local branch, is their legal department has denied the validity of the XXXX certification letters, which took six months to secure from the XXXXXXXX XXXX XXXX Both these letters were prepared by legal counsel, signed, dated, and fully compliant under state law. 
Furthermore, a notarized affidavit was attached with my assignment as successor trustee. These documents were fully accepted by at least four other financial institutions and insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: MD
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:
Consider this as a follow-up complaint to this specific account : XXXX XXXX XXXX : {$1300.00} This account must be validated in my file I think it is erroneously reported. I am asking for your help to investigate the inaccurate account listed in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 checked my account and notice there were multiple hard injuries that were on my report that were all incorrect none of these are mine and need to be removed from all.

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 2022-05-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following inquiries are not authorised by myself. 
1. XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4.XXXX  XX/XX/XXXX 5.XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 8. XXXX XX/XX/XXXX 9.XXXX  XX/XX/XXXX 10.XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: BANKERS HEALTHCARE GROUP LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In the beginning of XXXX XXXX, I borrowed money for business from a company. They said I was preapproved for {$100000.00}. I agreed to take only {$65000.00} at the time. On XXXX XXXX they deposited {$64000.00} to my personal checking account and they sent me a bill for {$72000.00} at 11.99 % APR. The {$8000.00} was added for document fee insurance, and reimbursement fee. I got a call around XXXX XXXX from the company and they said that I left {$35000.00} loan that I was approved and the agent insisted I that I take it. I agreed to take it. They deposited {$34000.00} and sent me a bill for {$40000.00}. I was charged {$5500.00} on document fee, insurance, and other fees. I paid off both loans on XXXX XXXX. They reimbursed me only the reimbursement fee that they addedin the beginning of the loan, which was {$2200.00}. When I researched the complaints that other customers of this particular company made, I learned that the company waives the insurance on the loan, if the borrower has life insurance. But, I was not asked if I had life insurance, which I had. But, they simply added {$4500.00} and {$2400.00} on the first and second loan respectively. Both insurances fees accrued {$1600.00} in interests over the course almost two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023, I received XXXX unknown phone calls. When I answered it was a debt collector who stated I owe them money. And that they purchased the debt. I have never heard of nor contracted with this company. During the phone call the following FDCPA violations were made 15usc1692 ( C ) a ( 1 ) 15usc1692 ( D ) 5 15usc1692 ( D ) 6 15usc1692 ( E ) 2b 15usc1692 ( E ) 6b 15usc1692 ( E ) 10 15usc1692 ( F ) 1

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: WA
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:
We XXXX and XXXX XXXX received on XX/XX/2021 a credit report showing credit scores below : XXXX XXXX XXXX XXXX XXXX XXXX We have asked on numerous occiassion for the credit burea to come to arbitration or court and they have found XXXX ways to get out of it. We have kept 10 years of paid receipts Rent, Car, Credit Cards, Utility Bills. When we dispute bills via certified return receipt that are fraudlent they refuse to goto arbitraion and or court. We would like to have each credit burea come to court and I will bring 10 years of paid receipts that show they have not been very honest or fair in their dealings. 

The credit Bureau who gave us the credit score is Experian XXXX XXXX XXXX XXXX Texas 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 2023-08-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I WAS SCAMMED THRU XXXX. I PURCHASED CONCERT TICKETS XX/XX/2023 TOTALING {$700.00} AND NEVER RECIVED TICKETS. I CALLED WELLS FARGO BANK TO REPORT THE SCAM IMMEDIATELY AND FILED A CLAIM # XXXX. NEVER RECIVED A RESPONSE OR CALLBACK. I CALLED BACK TO ESCALATE MY CLAIM TWICE!! AS OF TODAY XX/XX/XXXX THERE IS NO RESPONSE OR RESOLUTION. 
WELLS FARGO 'S TERM AND CONDITIONS STATE THEIR CUSTOMERS HAVE ZERO LIABILITY PROTECTION. THERE IS NO MENTION IN WELLS FARGO TERMS AND CONDITIONS THAT XXXX TRANSACTIONS ARE NOT COVERED WHEN CUSTOMER IS SCAMMED. EVERY TIME I CALL I JUST GET THE ROUND AROUND THAT THEY ARE WORKING ON IT. I ASKED THEM TO REFUND MY {$700.00} AND THEY REFUSE.

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 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2018-11-01
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a request to the credit bureaus to investigate errors on my credit report. They were supposed to respond with the results within 30 days. Its been over 45 days, and I have yet to receive a response from Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm having trouble with the XXXX the state organization in charge of disbursing the Covid Mortgage relief funds. I applied for assistance, and they denied me on the grounds of my loan being over the XXXX XXXX XXXX conforming home limit in 2021 which is false. I filed a appeal and was denied again even with documentation. I believe this company if fraudulently denying hard working Americans of the relief they need to catch up on there Mortgage.

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 2020-10-19
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During COVID 19, like other millions of people around the world, I ran into a financial hardship. I am on social security XXXX. I rely on tenants so I rent rooms in my house. I had two girls renting that XXXX   me ; they vandalized my home ; they stolen lots of valuables ( furs,  XXXX jewelry, XXXX sunglasses, etc ) ; they vandalized my floors ; stolen household items, you name it. I had to file charges and the State Attorney is prosecuting them ; one was XXXX. This was one of the WORST experience in all the times I rented ; nightmare! Also, the tenants experienced losses through COVID ; reduced house ; laid off which made it hard for them to pay rent. I have been recuperating from their theft and their loss wages. It was hard keeping up on my bills. I called Nordstrom  trying to explain the circumstances ; especially after  they sent out communication saying they were there to help through COVID. When I called, the rep was very " cold '' ; didn't care ; told me I need to make a payment or they are closing the account. I had this account for years ; never late until recently. Not at all expected that lack of support or help. Based on the current conditions and their " we are here to help '' correspondence, I expected more. That put me in a deeper  XXXX and I shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CITIBANK, N.A.
State: TN
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:
Fraudulent charges were made on my Citibank account beginning XX/XX/XXXX after I took out a FREE trial with a company called XXXX on XX/XX/XXXX. They required a credit card, but I cancelled the next day and was never charged for the trial membership. I never made a single charge to XXXX other than the trial membership fee which was never actually charged to my Citibank credit card because I cancelled. However, someone used my credit card information to begin placing charges. Several went through unnoticed until the thief became bolder and began charging multiple amounts on the same day for the exact same amounts in XXXX. I reported these as soon as I realized it to Citibank in XXXX, XXXX, when 18 charges went thru on the same day for {$39.00}. I have been dealing with Citibank now for over a year and it has been a nightmare. At first they were very helpful and refunded the charges to me, but then began to charge them back to me. It became unbelievably complicated to sort through the multiple charges, refunds and charge backs. I have called over and over again and spent hours on the phone with multiple people trying to explain, some were helpful but most were extremely condescending to me, using the complicated process to try to convince me I didn't know what I was talking about. I had hope at one point when they sent me a stack of my own statements with a complicated color highlight system showing what had been charged, refunded and charged back, asking me to sort through them and send them back the charges that still needed to be refunded. I spent three days going through what they sent me and sorting it out into an easy ( as possible ) to understand spreadsheet. I sent them this spreadsheet on XX/XX/XXXX and have had no response. I have attached my written correspondence and the spreadsheet with this complaint. Please help me, XXXX also promised to get to the bottom of this but did nothing except apparently provide Citibank with some bogus information to say I made the charges. They are a phone service that charges a small monthly fee of {$19.00}, and no one can tell me what anyone could possibly purchase at this company with XXXX charges of {$39.00} + XXXX charges of {$26.00} for a total of {$1400.00}. I hate to report Citibank and fear repercussions, but I desperately need help to get them to refund me the remaining fraudulent charges of {$430.00} plus all the interest they continue to charge. I am reaching out to Consumer Finance as a last resort and praying you can 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 monetary relief
Consumer complaint received 2017-11-03
Company: PLANET HOME LENDING, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company is Planet Home. We had a fair amount of hail damage to our house in XXXX XXXX. This is now XXXX and we 're still trying to get Planet Home to endorse the insurance checks so we can pay our contractors. 

Every time we call, they want something else. In the beginning, they said they would have an inspector come out after each part of the repair was done -- roofing, gutters, siding, inside painting ( ceiling ) - at our cost. What? THEY want the inspection -- they should be paying for it. But of course, we have no choice. However, they said if we hired a general contractor, they would only inspect once. We did. Everything except the painting of the ceiling has been done for two weeks now. It will be done when we 're out of town later this month. The inspector came out. He said he has never heard of a mortgage company asking for any more than 90 % done, and we are over that, so we were expecting an endorsed check. We 've called and called, leaving messages for the genius who 's been 'our ' representative. Finally today she responded. Since the work is n't 98 % -- 98 %, mind you, done, they wo n't release the check. It is unconscionable to us that they expect our contractor to pay his subs -- or worse, for us to front the money - while Planet Home XXXX around holding our insurance check because the work is n't 98 % done. Additionally, now they want to ding us for another inspection when it 's finished. This is just the short story of what we have been through with this company. Every call was another adventure in the asylum. 

These people are so far out of industry standards, it 's scary. They get poor reviews on the BBB site and other blogs I 've found. We 're going to refinance as soon as this mess is over, but I want to know if there are federal rules that govern this sort of stuff, i.e. what can the mortgage company withhold and for how long, can they charge for inspections they require, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am enrolled on the route to public service loan forgiveness through XXXX XXXX XXXX. When I initially enrolled I had 63 payments counted from my 5 years of employment for 2 separate XXXX. I am absolutely certain my employers qualified as I was a XXXX XXXX  employee. I am also absolutely certain my payments were under PSLF qualifying repayments using income based repayment.

I was placed under " audit '' around XX/XX/2017to verify my payments. I have called numerous times over the past year and they keep telling me that the audit takes more time and they have no further information.

This is unreasonable service to take so long to simply count my payments and not provide any further guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
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 status incorrect

Complaint:
I have disputed the late payments XXXX XXXX XXXX  account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2019-06-04
Company: Mr. Cooper Group Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
One of my investment condo was foreclosed by bank in XXXX. That unit was initially bought in XXXX XXXX and the lender was XXXX XXXX XXXX. Same unit was refinanced in XXXX XXXX and the lender was XXXX XXXX XXXX. On XXXX XXXX that loan was assigned and transfer to XXXX XXXX XXXX XXXX. 
On XXXX XXXX that loan was transferred to XXXX XXXX XXXX XXXX. XXXX XXXX has transferred servicing of this loan to Seturs in XXXX and was foreclosed on XX/XX/XXXX. Seterus Inc. has issued form 1099-A for Acquisition of secured property for {$100000.00} and that was the amount of mortgage. 
XXXX XXXX XXXX was not the lender at the time of foreclosure. 
Collection Agency XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, is trying toi collect {$34000.00} on behalf of XXXX XXXX XXXX but they are not the lender at the time of foreclosure. .I have tried to explain them so many times but they are only interested in collection and now it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This a notice of intent regarding the continued reporting of a debt owed to XXXX not to Eastern for ONE account NOT 2 as Eastern Account Services continues to report. In fact, XXXX shows not debt having been owed to them whatsoever with no record of me as a customer and have repeatedly attempted to sign me up for service. 
In the cases of XXXX XXXX and XXXX XXXX and untold more, Eastern Account Systems continued to illegally report my accounts while in dispute with XXXX, XXXX and XXXX, which is a clear violation of the FDCPA punishable by fines and penalties. In the 2 cases I just referenced both cases found Eastern Account Systems guilty of violating the rights of the consumers and were fined as well as all costs paid to the plaintiffs. I would like for the CFPB to note my case in any future litigation and or class action lawsuits against Eastern Account Systems and for them to be forewarned that I intend on filing a lawsuit against them to include any fines, penalties and court costs allowed by law in addition to financial harm and damages due to my lower credit score and any lost opportunities that Eastern has directly caused me in their continuous and intentional reporting of 2 accounts instead of 1. they have blatantly and intentionally changed account names, statuses, dates and amounts over the course of 3 years with every credit bureau and I have records to prove. Since law is set by precedent I am confident that with my numerous records and history I will prevail in court. Eastern Account Systems should reevaluate their business model because all of these legal cases are costly and bad for business. Since they have cost me exceptional financial damages I want this to be record of another consumer who is going to exercise their rights under the law so that other consumers are not victimized by this company who cares only about the challenges of extorting money rather than the people behind their accounts.

Company response to consumer: Closed with explanation