BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I called ( 6 ) times requesting updated post -fixed rate option loan documents. I was repeatedly told by both agents and supervisors at the MORTGAGE SERVICING dept that the documents were mailed, yet we did not recieve them. 
On XX/XX/XXXX I called again to see where the loan documents theyve said they mailed out were. The agent -XXXX- transferred me to a supervisor but before doing so, thought the call was on hold and laughed heartily. Apparently, its funny now. The poor customer service at KeyBank is literally STUNNING. 

The supervisor -XXXX- would not answer ANY questions whatsoever about my loan, citing my CFPB complaint. He informed he was instructed NOT to discuss my loan with me and refused to answer a question that had nothing to do with my CFPB complaint. 

He referred me to the executive response team who confirmed they have not mailed my updated loan documents that Ive been waiting for and that they might possibly not be sent out for 6 weeks - or end of XXXX. Thats 3-months after the loan was altered and, I to this day, do not have any updated documentation. Nothing was signed, nothing in writing. They wont answer questions now and XXXX is now the only person handling the account and she doesnt answer phone calls or written questions. 

I believe it is improper and possibly illegal to refuse to service the {$60000.00} + loan and provide paperwork because of a complaint regarding a separately bungled matter. 

I did not choose to be a KeyBank customer as my loan was bought out from another bank, but refusing to service it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a copy of my credit report and there was a collection reported from XXXX XXXX XXXX but the bill was paid directly to the provider. There was a mix up with the insurance and it wasn't until a little later I was informed that my insurance coverage did not pay for it so I paid immediately. This never should have been sent to collections it was paid before this even started to 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 2019-03-17
Company: JPMORGAN CHASE & CO.
State: MI
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:
Chase unfairly close my credit card ( chase freedom ). 
XX/XX/2019 I received the first chase credit card three days ago, and I only paid once. then I found this card can not be used anymore, it's closed only 3 days after activated. 

I think it's too rude and bad to do so. I'm in good credit and have the ability to pay. 

I'm confused what they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please be advised that at this time XXXX and XXXX XXXX have retained a third party debt mitigation company to help us and see if a bankruptcy filing can be avoided. Accordingly, we hereby submit a cease and desist from all creditors, and suggest that all correspondence and/or debt settlements be submitted by email to the following email address : XXXX. 
We will negotiate each creditor on a one on one basis, and hope that all creditors either submit negotiated settlements directly, or through their third party debt collection agency or debt buyer. 
We submit the matter through the Consumer Financial Protection Bureau as a paper trail showing our due diligence in working ourselves out of debts without bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Global Credit & Collection Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company sent a letter stating I owe XXXX however after calling XXXX I do not have an open account nor was I ever sent to collections. Tried contacting the company and it goes straight to VM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen never wanted to negotiate. We started the Foreclosure proceedings since XXXX. I hired an attorney to protect my rights and I also claimed Bankruptcy Chapter XXXX in XXXX in thinking Ocwen would be willing to do a Modification. I originally included Ocwen in the Bankruptcy payments however after noticing that they did not want to negotiate for me to keep my home I removed them from the Bankruptcy payments. I had to move out of property luckily my attorney XXXX XXXX was monitoring my home and advise us to move out by XX/XX/XXXX. The house was put in auction and the bank ( Plaintiff ) never sold the house they kept for the amount that I wanted to buy it for. They never reach out to me to see if I wanted to keep the home. I notice recently that the house is still vacant and my attorney has advise me to put a complaint in with your company to see what you can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TRANSUNION IS LYING TO ME AND NOT READING MY COMPLAINT. I HAVE 1 HARD INQUIRY ON MY CREDIT REPORT BY XXXX XXXX-XX/XX/2019. THE ORIGINAL CREDITOR SENT ME A LETTER STATING THE INQUIRY WILL BE REMOVED AND PAID ME {$50.00} FOR THE MISTAKE. 

On XX/XX/2019, i sent that letter to TransUnion through the CFPB and they responded the Inquiry was verified through the creditor and is factual, which will remain on my credit report for two years. THAT IS A LIE. They do this every time. They said the same thing before for items that was ALREADY DELETED!!! 

THIS IS MY FINAL REQUEST TO REMOVE THE HARD INQUIRY BY XXXX XXXX ON XX/XX/2019.

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 2019-06-11
Company: ID Analytics, 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: Credit inquiries on your report that you don't recognize

Complaint:
Ive recently received a letter about trying to qualify for a loan thru XXXX by   XXXX XXXX in witch Ive never heard of or applied for now my credit score and  personal information was provided to them thru SageStream Llc which Ive called and asked to be removed from and who they were and why they had access to my personal credit information without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-11-12
Company: Convergent Resources, Inc.
State: MO
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:
On XX/XX/2020, I worked out an arrangement with Convergent Outsourcing to settle a XXXX account that originally belonged to XXXX. The agreement was that if I paid XXXX XXXX would cease all collection efforts on the account. I did pay the agreed upon amount and Convergent returned the remaining amount to XXXX, assuring me that all collection efforts would cease. After a couple weeks I noticed that XXXX had shown that the account had a XXXX balance, but was still listed as a collection account. I disputed this with XXXX and I got the attached dispute response when they show that was no longer listed as a collection account, but indicated that the account would remain on my credit for XXXX years. 

Yesterday, after paying XXXX  {$29.00} I looked at my credit report and discovered that they had in fact not removed the account from the Collections section of the report. I contacted XXXX XXXX whom I have an account with, and asked what could be done to get the information corrected, as the credit bureau was still showing the account as a collection item and that was not what I had agreed to. That conversation is also enclosed and shows that they have also tried to get the information straightened out. I spoke to Convergent, and they told me that they reported it as a closed account, but they could not guarantee how the credit bureau reported it. I also attached a copy of the letter of agreement from Convergent.

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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed 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 explanation
Consumer complaint received 2019-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a cease and desist order to Portfolio Recoverys corporate office and billing office. Two of the accounts they are calling for were settled in a court of law. The most recent is currently being paid off now under a new debt settlement offer. They call from multiple numbers. I have kept a record of all the numbers they call from before the cease and desist order and after the order was sent. The cease and desist order was mailed XXXX XXXX. They call multiple times a day from different states. They have no reason to even be calling me. All accounts associated with this unethical company have been addressed In the Justice Court XXXX County, Texas Precinct XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. XXXX. Under Judge XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: ALLY FINANCIAL INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
Ally Financial removed their bureau report from my account resulting in an upswing in points. Ally has twice reported the same account to my bureau report that, including late payments from XX/XX/XXXX and XX/XX/XXXX, that have been negatively impacting my credit again. I do not understand why the entire account is reporting after being removed from my credit report

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 2018-08-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/14, I paid off a student loan with XXXX in full via debit card, over the phone, in the amount of {$4300.00}. Instead of applying the payment as directed the payment was distributed to all loans ( I had XXXX loans ). When I contacted XXXX and insisted the money be re-appropriated they did not close the loan instead kept the loan open as 92 % paid and charging interest. After numerous calls, they would not resolve their mishandling of my payment. Subsequently the loan is now with Navient and I am still dealing with the same inaction on this particular loan. In spite of my efforts to deal with this and the fact that I have a bank statement that shows the payment, they refuse to terminate this loan. On several occasions diverting payments from other loans I am repaying. It is obvious that this pattern is intentional with both agencies, and I don't know how, or who to resolve this matter. The amount they claim I owe is less than {$700.00} mostly interest since XX/XX/2014, but, I paid the loan in full, four years ago and feel I am being defrauded and not have to pay any further. I need to know where to turn to, so I can resolve this act of fraud by these agencies as it will unfairly affect my credit. In short, I WANT TO FIGHT BACK! but I don't where to turn sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

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 2019-06-12
Company: GOLDMAN SACHS BANK USA
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive recently received a letter about trying to qualify for a loan thru Marcus by Goldman Sachs in witch Ive never heard of or applied for now my credit score and personal information was provided to them thru XXXX XXXX which Ive called and asked to be removed from and who they were and why they had access to my personal credit information without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to find out why XXXX XXXX can just close an account you have had for 28 years, no money was owed, everything was current! This happened to me with a XXXX XXXX. No notification given, I went to use the Card after I had filled my car with gas, only to be told my account was closed. I was shocked. They are doing this to all accounts that they have power over. This has to be against the law thus my reason for filing this complaint. I feel this is total discrimination, especially against a recovering XXXX XXXX patient.

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 2019-05-21
Company: CITIBANK, N.A.
State: OH
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:
Citibanki dba Citicard illegally imposed a fee on my account, its employee lied to me, has intentionally harassed me in multiple ways, and has maliciously and falsely damaged my credit. My XX/XX/2019 statement showed a balance of {$45.00}. I chose to pay it by using Cit 's Thankyou rewards programs, opting for a {$50.00} credit statement. The credit was applied XX/XX/XXXX before the next closing date about a week later, Thus, I had an excess credit of {$4.00}. Yet, on my XX/XX/XXXX statement Citi illegally imposed a {$25.00} late fee. Moreover, each time I attempted to access my account online at Citi 's online website, I was blocked with a demand to pay {$62.00} and could not proceed further to view my activity. I called Citicard last week, whose employee promised to reverse the {$25.00} late fee. However, it still has not been done. My online access is still blocked by a screen demanding " past due '' amount. This week I received a XXXX letter package from Citi stating that I told Citi not to contact me again. This is Citi 's management manner of lying and harassing. I never said any such thing, as Citi 's recording of my call would prove. In the letter Citi threatened to close my account and damage my credit reporting. I called Citi,  whose employee demanded immediate payment of all new purchases totalling more than {$1000.00} well before the next due date in XXXX. Citicard has engaged in illegal and malicious activity against the public interest while its inattentive and greedy CEO is paid tens of millions of dollars per annum.

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 2019-05-21
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/2019, I purchased a treadmill from Amazon using my Chase Amazon Prime Rewards card which offered an 18-month, no interest, equal pay option. However, when I reviewed my statement I found that Amazon had billed the full amount. I made it clear to both Amazon and Chase bank that I was not disputing the purchase but only the billing yet neither one has been helpful in resolving this. 

In checking my most recent statement, I found that Amazon had rebilled the full amount. I contacted Chase who claimed since Amazon provided documentation and I had not the dispute was closed. I protested that I had not received any request for information from Chase, only to be told a call was " attempted '' on XX/XX/XXXX. 

The only call I received on XX/XX/XXXX was from XXXX. No message was left and there was no caller ID so it was sent to spam by my call filter. I XXXX the number but could find no identifying information and when I redialed the number, it would not connect. How on earth would I be expected to identify this as a call from Chase? When I communicated this to the agent I was told I'd receive a letter in the mail but " that could take 10 days. '' I asked if the charge could again be disputed and was told it could but since I had not responded to the initial request ( of which there was none ) I had to provide documents in writing which I mailed this morning. Furthermore, I have attempted to reopen the dispute since XX/XX/XXXX but have been repeatedly met with this error message - " It looks like this part of our site isn't working right now. Please try again later. '' This is a veiled attempt by Chase to prevent me from reopening the dispute. 

In digging deeper on Amazon 's website I found hidden language stating the full amount will be billed for these types of " payment '' plans. Either it's 18 equal monthly payments or billed in full but it can't be both. This practice is deceptive and misleading at best and both Amazon and Chase have been irresponsible in resolving this. 

This entire experience has been one of unending frustration with both Amazon and Chase so I am requesting your assistance in getting a resolution and the payment plan I was promised. I have also filed complaints with the FTC and the NYS Consumer Protection Bureau. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
used ATM in XXXX ms tried to withdraw {$400.00} ATM said out of service after it accepted my ATM card, i never received the money but yet after 2 tries with TD Bank they said i received it also they are charging me {$35.00} penalty. i asked to see they Video of transaction and they are refusing. ( i was told to call local police and file a report, i did call and the police told me thats its my fight with the bank and not theirs ) i feel i have the right to defend myself but they are saying i have none. this happened on XX/XX/19 at XXXX XXXX XXXX XXXX XXXX MS ATM # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Huntington Bank violated Reg CC and is making it impossible to use funds that have been on deposit for months. This was in response to a check deposit from myself to myself. They told me I wasnt allowed to adjust the to line on a check written against my own account at another institution to myself. Complete over reaction and bad treatment of a decade long customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I LIVE AT THE HOMELESS SHELTER DOWNTOWN, A FEW DAYS AGO SOMEBODY STOLE BAG WITH MY DEBIT CARD AND A LOT OF MY PERSONAL BELONGINGS. 

I NEED HELP BECAUSE MY MONEY IS GONE, AND THE BANK SAYS THERE CLOSING MY ACCOUNT FOR A FRAUDULENT CHECK SOME XXXX TRIED TO PUT IN MY ACCOUNT. 

I DONT EVEN KNOW HOW TO DEPOSIT A CHECK UNLESS ITS AT THE LIQUOR STORE. THIS IS JUST CRAZY. 

ON XX/XX/XXXX I GOT A LETTER SAYING THEY ARE CLOSING MY ACCOUNT. PLEASE SOMEBODY HELP ME!

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