BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2021, I submitted a CFPB complaint ( ID XXXX ) against KeyBank over their failure to pay a {$400.00} promotional bonus for opening a Key XXXX XXXX account. On XX/XX/2021, KeyBank issued a response letter stating they would credit the {$400.00} to my checking account, and that the amount would be reflected on the " next account statement. '' It has been more than four months since KeyBank made this promise in response to the original CFPB complaint, and they still have not credited the {$400.00}. Throughout this time, I've contacted their customer service on multiple occasions to ask about the status of the payment, and each time the customer service rep assured me they were working on it and I would see the credit " soon. '' The last time I made contact, over a month ago, I was told the person at KeyBank in charge of my case would send me a letter in the mail. I never received any letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from Portfolio Recovery on XX/XX/2020 at XXXX XXXX CST. The caller ID had been changed to XXXX XXXX XXXX  which is a company I currently have an up to date credit card with. When I answered the phone thinking it was regarding a possible fraud alert on my card the caller identified herself as being from Portfolio Recovery to collect a debt from XXXX XXXX. I called back the number they called from and it was indeed from Portfolio Recovery and had nothing to do with XXXX XXXX XXXX. I have an issue with this as they not only misrepresented themselves but used information within my credit file to do so. I have a screenshot of the call showing the caller ID and the number that they called from as well as the date and time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: Cascade Capital, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have told this company on several occasions I do not owe this debt and it was paid. They are not the rightful owners. I never received anything regarding this matter until 7 years later when it showed up on my credit. The company keeps going in circle when I tell them to show me proof I owe this debt. The original owner have sold this account to several different third parties but no XXXX can show proof the own this debt and sign any agreement to owing this debt. The company is a fraud and have had several lawsuit against them because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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: Account information incorrect

Complaint:
As of XX/XX/2022 XXXX XXXX XXXX an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the Executive Customer Relations department file number XXXX but she has yet to respond to 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
Consumer complaint received 2021-10-21
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
CFPB FAIR resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Subject : PPP application not been reviewed by Bank of America I filed for Paycheck Protection Program around XX/XX/2020 and Bank of America ( SBA Lender ) didnt review my documents until XX/XX/2020. By this time SBA has stopped accepting PPP applications for approval. On XX/XX/2020, I was informed that my documents were not complete. As of today it has been a week and my documents have still not reviewed. Bank of America is running out the clock for second time on my PPP application. 

Request Kindly assist in compliance with CARES ACT and review the documents for submission to SBA for approval.

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 2021-10-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SYNCB ONDC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-21
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, 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:
THE INFORMATION LISTED DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME THAT I DID NOT APPROVE ... THE APARTMENT LISTED AND TH CABLE BILL AND CELL PHONE ACCOUNT ARE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am receiving calls from various numbers belonging to Navient. They call me between 5 and 10 times a day. When i pick up, no one is there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Blocking use of third party applications that can personally help me pay down debt faster

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 2019-06-27
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I cancelled my account with XXXX XXXX XXXX and I pod everything I was told by the XXXX XXXX XXXX reps. ( I have this in writing ) The {$460.00} should have been removed. XXXX XXXX XXXX never send a final bill, I dealt with this issue with XXXX XXXX XXXX for months, this needs to be removed, I paid the part I was told I that I owed by the rep. I have never paid late or missed a payment with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Radius Global Solutions LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
Hi my boyfriend and I are receiving suspicious phone calls, texts, and emails about fraudulent products. I received a letter today with an original creditor, XXXX XXXX  XXXX  XXXX. 

I have never done business with XXXX XXXX XXXX XXXX and paid off all debts except student loans last month after a charitable gift. 

Also, someone is threatening to deport me. I was born in XXXX XXXX  and a man risked his life to retain my photos, original Id documents from XXXX and XXXX XXXX XXXX  high school years. My family was affiliated with the XXXX  church  and I was baptized in XXXX XXXX at that church site. ( Documented ) I lost my baptism garment from childhood as well as the majority of my belongings to someone impersonating me. Again I had one fan who was amazing and grabbed a box of my stuff. He couldnt even give me any information. I was the victim of a home invasion in XX/XX/XXXX in XXXX XXXX. It was us military, NASA, and a member of XXXX  XXXX. At the time, I was working on a XXXX  degree at XXXX XXXX as well as working as a XXXX XXXX XXXX. I had notes from work in my apartment. 

I reported the prank XXXX phone calls, two, two text messages asking for information related to XXXX, as well as emails and phone calls from a woman named XXXX. She was trying to sell me fake products like watches made with NASA equipment as well as cattle cloning packages. 

My boyfriend and I politely ignored these calls. To be fair, I am bilingual XXXX, but I look very XXXX. I am being accused of being XXXX. We are not XXXX  and I think XXXX is enough harassment. As is, prior to graduating with a four year degree in XXXX  in less than three years in XXXX, we had to move due to harassment every two years or so. I worked very hard to get into XXXX XXXX, and the men who invaded my apartment looked very XXXX. 

My cousin is a XXXX XXXX and will support my claims. He thinks he might know which is branch of the military accompanied by NASA this is. I guess well continue to face barriers to employment and threats to our safety while being ignored? 

Kind regards, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Reached out to credit report company for them to update account status as Paid and Closed. They confirmed it is still open, which is incorrect as auto loan account has been paid off and Closed. Equifax recommended to submit complaint to CFPB to get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had pushed a loan payment back to the end of the loan at the end of 2019. My XX/XX/2019 statement reflected the pushed back payment as well as the change in due date. I had moved the due date back 11 days from the XXXX of the month to the XXXX. The amount due stated on the bill I received on my XX/XX/XXXX statement reflected that one payment was due. I pay the payment in XXXX before the next due date. For some reason it showed that another payment had been placed on my account in XXXX. During several attempts to have the issue resolved by Santander I was told that the deferred payment was mistakenly placed in XXXX instead of the back of the loan. I was told on several occasions that the issue would be fixed. I have disputed the inaccuracy twice through my credit reporting agency and both times it has not been corrected. The late payment on my credit report caused my credit score to drop multiple points. I am in the process of trying to buy a home and it has greatly impacted that. My account has yet to be corrected and my credit report still reflects a 30 day late payment for the month of XXXX. Each time I reach out to them I am told my complaint is being sent to a different department for review and that I should call back in a few days to check to see if the issue has been resolved. Each time I call back the issue has not been resolved and I am told the same thing and to call back and check on the status in a few days. I have never been given any resolve on the issue and nothing has been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called this agency in XX/XX/2019. I thought my insurance had paid ( {$160.00} ) after our talk. I never spoke with them again until today. They sent bill ( s ) to wrong address. I NEVER received a bill from them. They said they never received the mail back. I explained to them that it I am not responsible for my neighbor 's actions. They did not take responsibility for sending them information to the wrong address. They will not remove the collection notice from my credit. My credit was excellent with XXXX  before their submission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: WELLS FARGO & COMPANY
State: GA
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/XXXX I hired XXXX  ( an heating and air company ) to inspect my two HVAC systems. The service charge was {$78.00} for the inspection. Their technician indicated that I also needed a new fan motor which was an additional {$500.00} charge. I never received the motor or service although I did follow up with this company to find out why. The last response that I received was that they were checking with their parts department, but I was never re-contacted. Based upon this failure, I contacted my Credit Card Issuer ( Well FARGO BANK ), and requested a dispute .be placed against this merchant for the {$500.00} charge. I further stated that the {$78.00} part of the charge was appropriate. I was told by the WFB employee that the charge was being put on hold pending resolution ( CC. # ending in XXXX ). 
I received my next billing statement in XXXX, XXXX indicating that the bank had switch the credited amount from {$500.00} to {$78.00}, and that I owed a balance of {$420.00}. After speaking with a manager in WF Credit Card Dept, I sent documentations to them ( ( dispute file # XXXX ). The manager stated that in any transaction, that only one disputed was allowed. He further indicated that XXXX  had not responded to their initial inquiry. In my letter to WFB 's CC Dept sent 0n XX/XX/XXXX, I included XXXX invoice ; the previous CC statement showing my withholding of {$500.00} ; and a copy of the charge showing a balance of $ XXXX also pointed out that their voice prompt indicates that calls to their department are recorded and a review will show that their employee mistakenly switch the disputed amount.. As of this date they are still showing a balance on my most recent statement. The Bank has not re-contacted me over the past month about this matter.

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 2020-04-28
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to rollover my Wells Fargo 401k to my existing XXXX XXXX rollover IRA. It is impossible to engage Wells Fargo Bank in any way to initiate this. They do not include adequate rollover information on their website. I am calling their Retirement Center now for the third time and have been on hold for over 3 hours. I have {$250000.00} languishing in the Wells Fargo account and have been unable for more than a month to initiate a transfer of funds. Today 's date is XX/XX/2020. 

There is more. It has taken me over two years to complete the QDRO process with this 401k with Wells Fargo because of their incompetence. I needed to follow up with them countless times to track progress and push them to complete the process. The final insult is that they made an egregious mistake with my last name, using my ex-spouse 's last name rather than mine, despite clear directions in the QDRO court-order. They denied access to my account for months because of their naming mistake. They also directed me to initiate a " name change request '' through their bureaucracy to correct a mistake they made. They only corrected the mistake when I finally threatened legal action. 

And now I can not access my funds of {$250000.00} as I wait for hours on their phone queue. And there is no rollover information on their website to get started. 

CFPB - Please address these matters with them and please help me to get my money. I need it badly and Wells Fargo Bank refuses to allow me access to the primary source of my net worth.

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 2018-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It shows that I had one late payment for XX/XX/2014 which I was never late. 
And I always have made a good payment with all the creditors so please review the information and remove the late payment from my credit report. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX & Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX I know the court  system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & Experian back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.

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