BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: KEYCORP
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent two endorsed checks for deposit into my Key Bank account. The checks were sent by USPS with signature required. The checks were for {$41000.00} and {$910.00}. Per the USPS, the envelope containing the checks was signed for in the XXXX Post Office by XXXX XXXX on XXXX XXXX 2017. Since that time I have been in contact with numerous Key Bank " customer service '' representatives. Each time I have to start over and recount my activities to date. Each time I am promised a representative will get back with me. After the first 3-4 calls, I have had no one call back to follow-up or provide status. The last contact I had was with the bank was XXXX when I was informed the package had been located/received in the XXXX office XXXX XXXX. I was further informed by the USPS Postal Inspector who was handling my inquiry, that they received word from the bank that the envelope with my checks was located in central processing/XXXX. This was the last information I have had and as stated previously, Key Bank has been less than responsive/helpful. Your assistance in helping me to get the checks located for certain and credited to my account is requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: CA
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 KEEP HAVING ACCOUNTS APPEAR ON MY CREDIT REPORT THAT I THINK ARE FROM MY IDENTITY THEFT CASE FILED SEVERAL YEARS AGO.

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 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX  XXXX XXXX  XXXX   XXXX These accounts are to report, why would they remove

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 2020-05-04
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am in the process of purchasing a home and when the lender pulled my credit this collection appeared with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX appeared on my credit. There is NO MONEY OWED to this company. The lease expired and at no point was there any type of noticed received that money was owed at the time of move out. Once I was made aware of this I paid them even though I did not agree with what they were charging I still tried to do the right thing and pay it once I was finally made aware which by the way was 6 months later. This was actually some time ago and yet they report it on my credit file and showing that there is a balance due. THIS IS WRONG..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
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: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I didn't know why so today I checked my credit report. While doing so I saw items that are not mine. These items are not mine and all needs to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. 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 non-monetary relief
Consumer complaint received 2018-05-04
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This complaint involves XXXX XXXX and XXXX XXXX. I tried settling this debt many times and finally could not access my account at all. Wal-Mart no longers uses Synchrony Bank and they keep trying to collect from small consumers instead of suing Wal-Mart. I paid and paid on this debt and it never seemed to go away. I am being harassed by a 3rd party debt collection agency with repeated calls daily trying to collect on a debt I do not believe I owe. The bank is ruining my life and credit score and I am in the process of trying to sell a house. I have a bank account with XXXX XXXX with money in my account from Social Security that I can not even access because the bank repeatedly closes my account because I have suspicious foreign transactions occuring. This happens every month around the first week of the month. I have told XXXXXXXX XXXX that I made the transactions and yet this happens every month. To add to the problem I am XXXX Veteran married to a foreign national who has every right to stay in this country despite the fact she is not a citizen because she holds a green with a 7 or 10 year status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I decided to cancel an XXXX American Express card when I was charged an annual fee for the second year. I called to cancel it early this year, and the representative who helped me confirmed the cancellation and said nothing else. However, I continued to receive statements with a charge for the annual fee. 

When I called about this issue on XX/XX/XXXX, I was told by XXXX ( XXXX ) that there was a 30 day deadline for cancelling the account without an annual fee, and that I had been four days over the deadline. I objected that the representative had not informed me of this, and that if I had known, I would have kept the account open. I asked for the annual fee to be removed, or, if that was not possible, for my account to be reinstated. I was told that neither was possible. When I asked to speak to a manager, my request was refused. This representative did promise for my complaint to be sent to the proper department and that they would contact me about the result of their investigation. 

After not receiving any news for several months, I called again on XX/XX/XXXX, and this time spoke with with a manager ( XXXX ), who repeated that while they had tried to remove the annual fee both in XXXX and now, their software programs were not allowing them to remove it. He also repeated that I could not reinstate my account as it was past a three month deadline for that action. 

In summary, I am being asked to pay an annual fee for an account I can not use ; the company representatives tried to remove it and thus sanctioned the removal, but were unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-28
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank has committed a gross violation of it 's fiduciary responsibilities by not allowing the withdrawal of funds for well over a month when MORE than sufficient documentation has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Report act, Transunion has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
I have sent several dispute letter to Transunion to verify my address, name, DOB SSN Employer and no action has been taken. 
This is the tracking number of the USPSXXXX and 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 2021-02-03
Company: CERTIFIED COLLECTORS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Validation notice dated XX/XX/XXXX does not have whom the debt is owed nor the date of service. 
Notice 2 dated XX/XX/XXXX is threatening to report to the credit reporting agencies. This notice is 30 days from the original validation notice. I did not receive the 1st notice until XX/XX/XXXX due to the holidays and have the letter to mail to this company regarding validation and I received the 2nd notice last week. This can not be right even with the new rules that will be in effect. Thank you for your timely response.

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 2020-02-01
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Switched mobile carriers years ago from XXXX to XXXX. My bill was supposed to be paid by XXXX then they charge me. Now a company XXXX XXXX is continuously selecting my efforts to resolve this. 

Last four of my SSN is XXXX Website wouldn't let me enter it in the box it said to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account with CitiBank 's Citigold Private Wealth group on XX/XX/2020. I used two checks to open the two accounts ( savings and checking ). 

Checking Acct # XXXX The first XXXX was drawn on a CitiBank account, for {$99000.00} drafted by XXXX XXXX XXXX XXXX, and dated XX/XX/2020, the check number was XXXX, and the routing number was XXXX. The account number was XXXX. It was addressed to myself c/o my estate and trust attorney XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX. 

Savings Acct # XXXX The Savings Account check was from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, TX ) and is a regular oil and gas royalty check drawn on Citibank. The Check Number I did not write down. However, the routing number is XXXX. The Account XXXX is XXXX. 

On Friday, XX/XX/2020, I was provided a paper confirmation by Citibank that the funds are available in the account. However, due to an erroneous claim in an " Early Warning Systems LLC '' report, which is a private organization run by seven banks, they are giving little to no information regarding the account. They are saying it is " under review, '' and I have no access to my funds. 

I have received email prompts to read urgent alerts, but I have no access to online banking. Presently, Citibank is holding precisely {$95000.00} XXXX as a credit card payment of {$3000.00} was allowed ). However, my debit card is inactive. I can't make a withdrawal, and my funds are being held up in limbo at this present moment with no light at the end of the tunnel.

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 2019-04-26
Company: Nationwide Recovery Systems, Ltd
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 I was transported via ambulance ( XXXX XXXX, Incident # XXXX ) from XXXX XXXX in XXXX where I was working and had an accident, to XXXX Hospital in XXXX, Ca. This is a workman 's comp issue and I have been receiving bills ever since even though I have forwarded the bill to my attorney 's, XXXX XXXX directly and XXXX XXXX Insurance. I have not been turned in to collection and it has affected my credit score. This is not my bill. My attorney 's say they are forwarding it to the XXXX Administrator but it is not getting paid. 
XXXX XXXX XXXX, XXXX is now trying to collect this debt which should not be my responsibility. I do not consent to this debt as my responsibility or that it has been turned into a debt collector. 
My credit has decreased 13 points in the last few weeks and I do not consent to this occurring. My employer / XXXX XXXX XXXX XXXX ; my attorney 's / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: PNC Bank N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been trying for several years to get this item removed from my credit report. I have contacted the credit bureaus and the creditor to get this item removed. Back in 2013 I was a victim of identity theft and I informed both the credit bureaus and creditor of this matter. I need this item removed immediately as It has been hindering me from moving forward with other financial matters

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
CAPITAL ONE IS TRYING TO COLLECT MONEY DUE ON TWO ACCOUNTS XXXX AND XXXX WHILE UNDER AUTOMATIC STAY WITH THE BANKRUPTCY COURT. ALSO, FAILING TO RE-INSERT THESE TWO ACCOUNTS INTO XXXX DATA BASE AND XXXX  OWNED BY XXXX. 

PLEASE SENA LETTER FOR THE BANKRUPTCY TRUSTEE FROM YOU AND XXXX  BEHAVIOR. 

THESE ARE CLEAR VIOLATIONS OF THE DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The bank did not advise that my account is going to be negative do due to two transactions that was made back on XXXX. I understand my responsibility but the bank failed to let the customer know what is going to happen. On my case I will posted the money to avoid the fees. The complain is not about the $ XXXXwith anymore. the complain is to tell how to th bank manipulate lower income class people money and also how the representative for the bank do n't give a dime to help their clients. In my case I was baking for more than 12 year also receiving two direct deposit. Is very upsetting that the bank with all the money that make with my own money they were not able to help but the supervisor ( XXXX ) she very sarcastic told that she was very sorry and that she do n't even care if I 'm going to closed my bank accounts with Bank Of America but I have to paid the fees. 

I will like to be reach Thanks

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 2019-04-26
Company: Allgate Financial, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017, this debt for {$390.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX XXXX XXXX about a debt collection from charges allegedly originating on XX/XX/2018, when I was seen in an emergency room in XXXX XXXX. Their letter arrived one year after my visit and referenced an account with XXXX XXXX XXXX XXXX XXXX ( # XXXX ) for {$1100.00}. I never received even a single bill from this company. They are completely unreachable by phone, as I have made numerous attempts to acquire my original bill so I can pay the debt collectors if the money is indeed owed. XXXX provided me with no additional contact information. 
Over the past year, I have paid numerous providers in relation to this medical event, without issue. I have excellent credit and have never once missed a bill payment in my life. I can not believe it is legal for a company to contact me out of the blue with zero proof of a bill and demand a large sum of money. If they had simply provided me with ANY information, I would feel better about paying this money. However, their total lack of information leads me to believe I do not actually owe and this is some kind of scam.

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 2021-01-20
Company: Bonneville Billing and Collections
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bonneville debt collection has called twice ( about a week ago and today XX/XX/2021 ) leaving a message but no detail other than a callback number. I don't have any unpaid debts and when trying to call the number they provide, you just sit on hold in a queue for over an hour. No one answers. Considering this isn't my debt, this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
As of XX/XX/XXXX a negative impact has been reported on my credit report. I have contacted XXXX XXXX to dispute this account and have removed from my credit report however the response was that it was accurate. I am reaching out to whoever can help me investigate this account. As of XXXX of XXXX freedom debt relief took this account as an agreement with me to pay them a monthly fee to negotiate a payment plan with the account that is listed as a collection on my credit report, synchrony bank through portfolio recovery A. This is XXXX XXXX XXXX account since XX/XX/XXXX, this account has been negotiated and settled and payment plans agreed. It continues to show a negative mark on my credit report I am asking that it gets removed as a collection mark on my credit report. Can someone help me? I have went beyond my agreement with XXXX and they continue to drag out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020, TD Bank blocked my online access. The security procedures of the bank malfunctioned. The only possible avenue to resolve this was over the telephone - not email, chat or some other method. I spent over 5 hours waiting on the telephone for someone to answer. I requested that my account access be restored and a  method be implemented to resolve this in the future. The TD employee terminated the call without warning. At the moment, solely due to TD 's negligence and malfeasance, I can not access my money. All of their branches are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was in foreclosure, I filed bankruptcy in early XX/XX/2017 and my home was saved. I was advised by my attorney to just pay {$990.00} to the Dtech mortgage company and I have been doing so since XX/XX/2017 when my bankruptcy cleared. Now Dtech is trying to XXXX me over again, they are stating I owe them {$2000.00}. because of my ESCROW account yet I have not received one single statement, one single bill, phone call, email, correspondence ( nothing ) at my home. My daughter created the account for me online and it shows the mailing address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX that is not my home address why are my statements and bills going there for my home. This has caused me yet major problems for now they say i owe {$2000.00} and i have tried calling to speak with someone to help me and nobody takes the time they just bounce me around from rep to rep. I will be hiring another attorney to assist me with this FRAUDULENT ACTION and decided to start by filing a complaint! I have record of everything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation