BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2020 TransUnion provided XXXX XXXX XXXX. a credit report. My report is sealed and I did not consent to the disclosure.

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 2021-04-29
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: Information belongs to someone else

Complaint:
XXXX is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on there. 
TransUnion is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on there.

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 2021-06-21
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After several months of robocalls indicating that a member of our household owed debt and that said member should contact the collection agency. The calls were made by NCB Management Services , Inc., XXXX XXXX XXXX, XXXX-XXXX, PA XXXX ( or a subcontractor used by same ). We notified NCB by certified mail ( receipted by NCB on XXXX XX/XX/2021, USPS Certified Number XXXX XXXX XXXX XXXX XXXX ) to cease and desist in calling our home providing them with the guidelines set forth in Federal Trade Commission Act 805 Fair Debt Collection Practices Act ( As amended by Public Law 111-203, title X, 124 Stat. 2092 ). NCB made no effort to contact us to remediate the purported debt as set out in the above statutes. We continued to receive calls from NCB or one of its subsidiaries with the last being received on XXXX XX/XX/2021. Their continued harassment has caused us to remove our voice mail and even though their calling number has been blocked they use another number from which to call. We can not supply an account number as we do NOT have an account. They were calling our home seeking out a party by the name of " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I noticed some hard inquiries on my report that are inaccurate and were never authorized by me. I will list them here XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, On XX/XX/XXXX I think the bank ran my credit without my blessing. i know about XXXX  however XXXX, XXXX  XXXX and XXXX  all made on XX/XX/XXXX is all fraud and i never signed anything giving anyone permission. XX/XX/XXXX XXXX of XXXX XXXX is also fraud. XX/XX/XXXX the car dealership ran my credit without my authorization XXXX  XXXX, XXXX, XXXX on XX/XX/XXXX. XXXX XX/XX/XXXX was not authorized by me i never signed or applied for anything online. Also XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX I don't know anything about that either. Lastly is XXXX XX/XX/XXXX is also inaccurate. I never applied online or in person with this company. I have no business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had a secured credit card tied to a {$1000.00} CD that was supposed to mature at the Annual Rate with 350 % Interest payment, instead when I applied to cash in the CD and apply the balance to the credit card both transactions were disapproved without reporting why. I have mo idea since the business card does not report to credit agencies. I have never been able to get one loan, credit card, or any business funding out of Arvest Bank, I believe due to discrimination. 

In this transaction they disapproved the transfer of the CD to pay off the balance even though I have paid of the balance at least 5 to 7 times during the one year period. I have used the card for over XXXX in purchases. What makes the matter worse is getting a CD statement that says I was paid 150 % Interest per quarter giving me XXXX for a year. As a business man I would have never agreed to those terms in fact I know it was a lie because on XX/XX/2017 the day of maturity I was to there was XXXX on the card with XXXX dollar interest payment but the statement said differently. This was of course why it took 9 days to get a decision on the transfer meaning one more day I would have been stuck with the CD as collateral. Instead I closed the credit card and the CD and Arvest says I owe them {$110.00} I say I owe XXXX. 

They first violated the contract saying in a year I would get a regular card and could apply the CD to the balance. then took 9 days and emails to the CEO to get a letter emailed to me with their decision. We filed complaint with the company we have heard nothing back

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 2018-05-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi I have recently been notified from JPMorgan chase that all my 4 credit cards with them have been closed with no explanation over the phone at all that there is nothing for me to do about it and no one to talk to I have been an excellent customer with them for over 2 years now and relly on there credit cards for daily and large purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/XXXX, Reported card stolen. did not receive a card untill XX/XX/XXXX. 
XX/XX/XXXX I read the one time use emergency cash, When I recieved the card, the remaining balance was XXXX Dollars. XXXX the customer relations claimed to file a claim giving me # XXXX and stated it would take up to 90 days,. I waited and nothing has come, I read the policy and asked for FDIC number and to make a claim they refued. 
I have received information the transactions were sent and cashed. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I called and attempted to speak to hierarchy and they have continued claim was on its way

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 2019-05-08
Company: IMPAC MORTGAGE 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:
Was informed by credit monitoring services that unauthorized credit pull was made by Cashcall mortgage ( XXXX XXXX ). Called XXXX XXXX at Cashcall mortgage to request that the unauthorized credit report that was pulled be provided to me immediately for my records. I was told by XXXX XXXX that company policy was NOT to issue credit reports. 

That is a flat out blatant lie, and I have attached documented proof that is a flatout blatant lie!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I filed complaints about the misuse of my personal information to local authorities. I also contacted the FTC and complained. I was issued an FTC Report # XXXX The following accounts must be removed from my credit report because it is fraud. 
XXXX XXXX ( 2 Accounts ) 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 2019-05-08
Company: KEYCORP
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/19 I tried closing my checking and savings Keybank accounts via customer support, as I moved to a state that doesn't have a branch. On XX/XX/19 I received a confirmation email. On XX/XX/19 I received a charge off notice via mail from Keybank stating I owe them the service charges that have been accruing for the previous three months on the savings account I thought I had closed. 

I called the Keybank customer support line, and the representative said there was nothing she could do and forwarded me to the debt collections department. That representative also stated there was nothing they could do as the only action they could take was to collect the debt. She did suggest I call the branch where I opened the account to see if they could help. They could not. The manager didn't even know that accounts could be closed over the phone. 

Without any other options, I scheduled the balance to be paid off on XX/XX/19. This was an extremely frustrating situation that was the fault of Keybank. Their representative did not close all the accounts I requested. Mistakes happen, but Keybank made no attempt to rectify the situation. If I ever move back to a state that has a Keybank branches, I will certainly not be a returning customer and would suggest that others avoid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On last year my son took sick which he was playing half of the bills with me so once he took sick and i had to take over i got behind and one thing after another he passed and i literally lost my mind, and during that time i i didnt know where i were, they came and pick up my car, so now that Im putting my piece together i need a car to start back working, and its hard because of the repo, i didnt hear both from the company until i seen on my credit how much they sold it for, i ask was it anything they can do i was told it was sold and they sorry for my lost, so now Im stuck with no car and repo on my credit that happen during a bad time in my life the death of my son

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 2021-09-16
Company: EQUIFAX, INC.
State: MN
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Problem with personal statement of dispute

Complaint:
I have a Bank of America Credit Card where I make a XXXX dollar minimum payment. In XX/XX/2015 I was reported to XXXX as past due/Late. I have made numerous attemps in writing as well as verbally to ask for forgiveness as of said late payment reported. As to Date this blemish is holding down my credit score even though I have had stellar payment history previous to this action with Bank of America as well as thereafter. I want to make it clear that I have stellar payment history and I have been carrying out my obligations effectively.

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 2019-05-08
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: Account status incorrect

Complaint:
I had a debt of XXXX with XXXX XXXX being collected by XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX I paid off the balance in full on XX/XX/XXXX With a guarantee it was settled. 
Recently I got an alert that its on my account Balance Date XX/XX/XXXX Balance {$230.00} I called the company and they are rude and told me they removed it and if I want it expedited off my report I have to take it up with the credit bureau and hung up. They refused to give an explanation on why it was on there

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 2017-11-20
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
To whom it concerns, My name is XXXX XXXX. A month ago I applied for a new XXXX XXXX with Navy Federal Credit union and was approved for a 15.99 % interests rate with a {$15000.00} limit. 

One day a week after I got the card, my grandson logged into my account for me, and I typed a letter to add him as a authorized user. It was approved by secure message. The following week my accounts at Navy Federal were all disabled. I called to see why, verified my identity. I sent them my Drivers License as well as my signature 4 times. They then requested I send in my daughters PoA which I did, then they requested we get proof Im XXXX by my doctor because I cant walk. I use my card online to pay bills, and order things. I mail in my payments. I sent them letters proving Im XXXX and cant walk. From my doctor. I am now being told to contact the fraud department. 

I contacted the fraud department and now I am being told I cant use my accounts unless I get a note from my doctor saying Im mentally decapitated. Which I am not, or I come in branch which I cant because I had XXXX XXXX and am XXXX. I do not leave my house. 

I have complied with all their request and the card shows up on my credit report as active but I cant use it or any of my accounts at Navy. This has gone on over a month. 

No one there cares, and is discriminating against me because Im handicapped elderly. 

This is crazy they wont even let my family speak on my behalf if I give them permission. So now I am turning to you for help further. Because this isnt how you should treat a member. 

Also now they have lowered my credit score because of the inquiries I cant get credit elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Synovus Bank
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Sunday XX/XX/2021 at around XXXX. HST, I used the credit card to make purchases. This is a secured card that I paid a deposit for. The card had an available balance of {$600.00}. When I went to use the card at XXXX the card declined. I then went to test the card at XXXX XXXX and the card was declined again. I called the number in the back of the card and there was no agent available to assist me with why the card is declined when I've used it 3 times earlier that day. 
On Monday XX/XX/2021 at XXXX. HST, I called XXXX XXXX and was told that there was a hold on it but the hold was removed at XXXX. the night of XX/XX/XXXX. I was also told that I was not to use the card until 24 hours after the hold was removed. I asked why this is because I was not informed of why the card was put on hold and why there was a hold. I had to ask for a supervisor to explain why there was no communication right away of why the card was on hold but someone did a review and removed the hold at XXXX. on a Sunday. I spoke to a XXXX with an Employee ID # XXXX to which he said that this is " the company procedures and this is just how it is ''. I just have to wait. 
I then asked to speak to his Supervisor because it didn't make any sense to have available credit but I couldn't use it because they decided to put a hold on the card and then the card is not available right away to be used when there is an available balance. A person named XXXX came on the phone and was very rude and said that it's just company procedures and that I just need to wait 24 hours for it. I explained to him that this didn't make any sense that I have to wait that long when they are the ones that put the hold on and didn't contact me about any hold. I then also told him that I will be filing a complain with the CFPB and that he needed to send me something in writing or the contract that I signed that stated that and he said that I should already have the contract and that he didn't care what I would do. This is ridiculous on so many levels when you're charging an annual fee to use your so called credit card and that this is how you treat customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: CASHCALL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been unfairly treated, ignored and repeatedly brushed off by Cash Call in violation of basic principle of fairness and common sense. This seems to violate Fair Credit Reporting ( FCRA ) and be a perfect example of Unfair, Deceptive And Abusive Practices ( UDAAP ). 
In XX/XX/XXXX I was solicited by and refinanced my house with Cash Call. I did so. 
In XX/XX/XXXX I received a further solicitation from someone at or posing to be at Cash Call to pay my monthly mortgage payment on a by-weekly basis in order to save interest and pay off the loan early. I did so. 
In XX/XX/XXXX I paid 1/2 of my mortgage payment 2 WEEKS EARLY and then paid the balance ON TIME WHEN the full payment was due. In total, I paid the entire balance ON TIME. 
A couple of weeks later I received a late notice on my mortgage payment. It turned out that Cash Call rejected both my early and on time payment since they do not take partial payments. I called them several times to work this out, was ignored, was prohibited from getting an address to send a complaint, was told there was no complaint resolution process, was not allow to escalate my concerns to any level - not even a supervisor, etc. They ultimately refunded both of my bi-weekly payments and reported me as being 30 days late before I could even figure all this out. The mortgage was fully paid off in XX/XX/XXXX and now I can not even find people who have record of any of this. 
Today I called Cash Call again to try one more time to talk to anyone that could help me and was completely stone walled! When I called the number given on the credit report XXXX referred me to her supervisor ( another XXXX? ) who referred me to the mortgage group where XXXX referred me to the Cash Call receptionist, who referred me to a recorded message that got me back to the exact place where I started originally. This has happened to me several times at every lever I have ever reached. I was told THERE WAS NO COMPLAINT RESOLUTION PROCESS. I am a XXXX of at least normal understanding but find it impossible to work my way through the Cash Call system and find a human being at any level that can address my complain. 
I am available to help you resolve this for me and will gladly file a complaint or otherwise assist the government in getting this resolved. Please help me. 
I respectfully request that Cash Call rescind my 30 day delinquent status that shows up for XX/XX/XXXX on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 an admission of documentation for the following complaints : ID FOR COMPLAINT SENT TO TRANSUNION XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I forgot to attach with the original complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: MOUNTAIN WEST FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The financial mortgage company who is handling my mortgage has taken XXXX extra monthly payments out of my bank account XXXX in one week. The other was a XXXX amount of the mortgage payment the same day. Neither were authorized. They are only authorized to take XXXX payment monthly. I called & notified them & they told me that it was a mistake & it would be taken care of in 10 days. This has happened XXXX & no course of action has been taken on the mortgage company 's end.

Company response to consumer: Closed with explanation