BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
- Key Bank & Covid -19 in NY - Once I heard XXXX stating 90 day mortgage Were not exempting people from the mortgage payments. Were just adjusting the mortgage to include those payments on the back end. The measures will be reassessed at the end of the 90-day period, XXXX said ( 1 ). 
I decided to look into this with my mortgage holder Key Bank, due to loss of work from covid 19. I spoke with a representative an she stated they would freeze XXXX an interest would still accumulate during those 3 months, there wouldnt be any late fees or any damage to my credit score. This individual then went on to state the 3 months would just be tacked on to the end of my mortgage term. This was great news so I decided to opt in an the rep went on to state that they would send me something in the mail an to not pay attention to it as it just their system generating the mailer notification an this was something special this freeze that Key Bank was doing. 

I then received the mailer an decided to open it an it had completely different info then what the rep told me, with things being in writing vs a phone convo I decided to contact Key Bank to be assured what the rep told me over the phone. The guy I spoke with told me they are doing forbearances an not doing extensions an that they would expect me after 3 months to pay a lump sum of the 3 months missed. I told him that I was told something completely different by first rep an asked how can they expect people who need a freeze to pay everything in one lump some right after a freeze. This program was not in the best interests of its customers to help them during these unprecedented times and that I was lead to believe. Once finding out that they werent freezing three months and tacking them on to the end of mortgage term ( which is what I was told by first rep ) I asked to be removed from this program an go back to paying my mortgage. This is a hardship for me with loss of work an lack of opportunities in my field due to social distancing restrictions in NY state. Key Bank doesnt have its customers in there best interest, we are just a number to them and its sad as I have heard some banks are doing extensions from online message boards. I wanted to bring this to CFPBs attention as I have also reached out to Governor XXXX, People could really use extensions during these hard times and its sad Key Bank doesnt really care to truly help its customers. 




( 1 ) https : XXXX? XXXX #

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: SYNCHRONY FINANCIAL
State: MD
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:
XXXX keeps saying I requested to have my account closed which is untrue. My ex-friend XXXX XXXX XXXX sent emails and made calls to have my account closed. I never requested to have my account closed. I even sent {$5000.00} to XXXX so that I can continue to use my XXXX credit account. However I notified XXXX that I had fraud on my account and they refused to return my calls or emails to get this situation taken care of. Instead they let me ex-friend, XXXX XXXX XXXX who is a fraudulent their open a XXXX credit account. This is unfair and I think it all boils down to me being a XXXX female and my ex friend being a white male. This is suspect that you let a white male go free after he forced my account closed. Its ironic that I disputed a {$XXXX} payment and never heard from XXXX. I never received a refund and the item was returned. Its ironic that as a XXXX female XXXX doesnt give me the courtesy to have someone in management at corporate to call me. XXXX seems to have an issue with minorities. They took the {$5000.00} payment I sent and didnt apply it to my account. They didnt provide me my {$XXXX} refund and then they turn around and close my account even though I was making payments on time and even paid off my account to a zero balance.

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 2018-11-10
Company: JH Portfolio Debt Equities, LLC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
on XXXX XXXX i received a dept collection letter from credit XXXX XXXX. trying to collect on a student loan in the amount {$36000.00} loan dated XX/XX/XXXX.I never cosign nor did my daughter take out this loan. 
on XX/XX/XXXX i sent XXXX XXXX a letter explaining to them its fraudulent loan i already reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to consumer finance bureau for trying to collect on the same fraudulent loan dated XX/XX/XXXX. 
I also sent XXXX XXXX XXXX a dept validation letter asking for more information on the loan. credit control didn't respond to my requested information. 
XXXX  XXXX did however sent me a copy of the same application promissory note i received from XXXX XXXX   XXXX  which does me no good. 
the creditor, XXXX XXXX & XXXX is trying to collect for is bankrupt. 
XXXX XXXX XXXX whom i also reported consumer financial protection bureau

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 2018-10-17
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ditech Financial LLC has wrongfully denied me of loss mitigation assistance.The reasons stated in their denial letter ( s ) are untrue. I have provided them with all the requested documentation to prove their reason for denial is incorrect.They have foreclosed on my home and a sale date is pending.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I turned in a complaint on XX/XX/2018 about Wells Fargo foreclosing on my parents home. I know they say it could take up to 60 days. My mom signed the third party paper for them to talk to me about this. I have talked to XXXX twice now and when I ask question he has no answer he says. I get letters in the mail that he needs more time. I dont know if he is really working on our case. I feel he is prolonging this so I dont hire an attorney. I have questions of why Im next of kin when my dad passed and I was never notified and why the VA took my dads name off the loan? When I called the VA they had no record of my dad just my mom. Also want to know why no one served my mom even letters on the door or served her or anything and its been a month in a half. Again I feel we are getting the run around. Also want to know what happened to the difference in monies that was made off there house when Wells Fargo sold it XXXX and some change. Thats the problem with this hole issue. I know I put the name XXXX in my last complaint but actually it was XXXX that I dealt with. I think its time to go public and get a hold of AG of US to get some answers. I have been very patient with Wells Fargo and Im tired of this. They dont take their time to put a XXXX year old woman on the street. I think this is wrong and discrimination and I want some answers. I will also be getting a hold of the CEO of mortgages at Wells Fargo and the news. Thank you for your time and I hope to hear back soon.

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 2022-11-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2018-10-03
Company: EQUIFAX, INC.
State: TX
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:
Equifax.l not reporting credit balances in a timely manner, called on XX/XX/XXXX to get help and XXXX XXXX Resolution supervisor on XX/XX/XXXX, XXXX wasnt helpful and put me on hold for over 10 minutes! Im still on hold AS I FILE THIS COMPLAINT. He kept blaming the cc company on not reporting my balances when thats incorrect. We have this issue every month!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Greentree & Associates
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am a former Greentree customer. Everything they were fine for is valid. They would call me multiple times and were very rude. When I would call to speak to someone to report this behavior the same representative would answer the call. Not to mention at the time I was in chapter XXXX bankruptcy and was so stressed by the phone calls that would not stop after repeatedly asking for them to refrain from calling me. Needless to say I eventually did a chapter XXXX giving the mobile home back! This was a horrible time in my life. Awfully glad they were fined. I never thought I would be reading this today after so many years. XXXX is good!!!!

Company response to consumer: Untimely response
Consumer complaint received 2020-04-30
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company is still reporting to XXXX, XXXX, and XXXX of a debt that was included in bankruptcy chapter XXXX. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Up until XX/XX/2018, I have always paid extra money for my monthly mortgage payment. The extra money would be credited towards principle reduction. In XX/XX/XXXX they made a change to this. They credited my extra payment towards the following months principle and interest. I called them to rectify and asked them not to use extra funds towards the next months payment instead use it to reduce my principal.

They did the same for XX/XX/XXXX and XX/XX/XXXX where my extra funds were used towards the following months payments and not towards principle reduction. 

the Company is Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX Mt. XXXX, NJ XXXX United States Lender NMLS ID : 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 2022-11-16
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 explanation
Consumer complaint received 2018-10-03
Company: Aargon Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AArgon Collection Agency Open Date XX/XX/XXXX amount {$520.00} XXXX XXXX Open Date XX/XX/XXXX amount {$590.00} XXXX XXXX Open Date XX/XX/XXXX amount {$1300.00} XXXX XXXX Open Date XX/XX/XXXX amount {$500.00} XXXX XXXX Open XX/XX/XXXX amount {$630.00} XXXX XXXX XXXX Open Date XX/XX/XXXX amount {$860.00} Second Round Open Date XX/XX/XXXX amount {$430.00}

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 2021-10-16
Company: EQUIFAX, INC.
State: AL
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 uploaded a identity theft police report to all 3 credit bureaus. And no action has been taken. I want all these fraudulent accounts open up in XXXX XXXX Nevada removed from my credit file. These are not my accounts!!! I uploaded 15 years of Alabama drivers license. I never lived in Nevada. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  From my credit file Asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Fifth Third Bank Gave me what they would call an Early Access Advance. I took ada advantage of advance. The advance was taken out of my XXXX check. With a XXXX check came in they withdrew there money in full and cancelled my early access advanced because I was supposedly had been overdrawn and that is not true especially for 15 consecutive days. Now tell me how that is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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 status incorrect

Complaint:
The Department of Education still has incorrect information on my credit report. I have reached out to Transunion and XXXX  about the incorrect information. All of my student loans have been consolidated. They are in forbearance. That is what my balance history should reflect also.

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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Credit inquiries I have not authorized on my credit report with transunion XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from 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 2018-04-25
Company: Comerica
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I looked at a property to rent to own in XXXX XXXX Missouri through a company called XXXX XXXX XXXX XXXX also XXXX XXXX. Their owner is XXXX XXXX. I entered into an agreement to purchase the home on XX/XX/XXXX with the deposit being a XXXX to XXXX money transfer since their office was a six hour drive. On the XX/XX/XXXX when I arrived in XXXX XXXX to take possession of my home the door was locked which all of XXXX XXXX XXXX are unlocked. I called them to ask how to get into the property and was told to " break into my home '' or " find a window open. '' I finally found a window that was open. When I opened the window the fumes of natural gas nearly made me sick so I called the Emergency number for XXXX XXXX XXXX who sent a technician out along with the fire department and police department. When the police officer got there she said I tried to buy this house you have been the latest victim huh! This house should be condemned but won't be because we don't have code enforcement. The fire department shut off the natural gas due to a pipe being stripped inside the house. XXXX XXXX XXXX said no utilities could be reconnected because someone had stripped the utilities out of the house. When I called back to XXXX XXXX XXXX they said well it is your house now fix the problems. They are not saying the house can't be fixed and you purchased the house as is. When I agreed to purchase the house the utilities were on or had recently been on so this problem is recent. They are refusing to refund my money or switch me to another one of the properties that they have for sale. I drove back to XXXX XXXX which is two hours from XXXX XXXX with two dogs and a cat to borrow from my mother for a hotel. I put in a complaint to the XXXX Store that the money transfer from, the bank card which is a XXXX XXXX XXXX XXXX, and the Attorney General of Missouri along with the Federal Trade commission. All of which said they have no recourse. The amount of purchase was for XXXX with a XXXX transfer fee. XXXX XXXX picked it up in a XXXX store outside of XXXX XXXX. XXXX XXXX the bank involved with XXXX said in the future XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX would not be able to wire money or transfer funds using XXXX stores but because the transaction had been initially approved by me that they had no recourse to get me my money back. I did approve the transaction until I knew that the house had been damaged by the squatters that had taken up residence in the house that I had looked at. The house while in poor condition at the time I looked at it was at least able to have utilities turned on. The value of the house at the time I looked at it was XXXX and the repairs are well over that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Experian Information Solutions Inc.
State: MA
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: Billing dispute for services

Complaint:
On XX/XX/2019 Experian sent me an email with a credit report with falsification of my fico scorce from XXXX to XXXX anf from XXXX a from XXXX to XXXX and XXXX from XXXX to XXXX to increase my montlhly subscription from XXXX to XXXX as an upgrade when I just got the XXXX repot last week. Reports are given monthly. Either way this is AGE DISCRIMINATION AND MISREPRESENTION. Experian disgusts me. XXXX fixed it to XXXX amonth and not XXXX forcing an upgrade to XXXX. 
Experian sickens me. I am reporting their financial crimes to the Attorney General.They are to refund the last 3 months of XXXX on account XXXX..they areconly allowed XXXX a month. They are XXXX XXXX XXXX. A call center in the XXXX where fraus is a systematic relations process proves there stupidity. Tell them to go to 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 monetary relief
Consumer complaint received 2018-10-03
Company: DISCOVER BANK
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:
My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple credit cards and not paid. These accounts all are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
State: UT
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:
Applied for a credit card with Citi. Approved, FICO SCORE XXXX - was told with card I would get 0 % on Purchases/BT for 18 months. Made a purchase, never got a statement - it was returned by post office. Citi never notified me of returned mail ; knowing I made a purchase I called to do a payment by phone ( where there website was down for me to be able to register the new card ) the payment was obviously late by a day - was charged a late fee and also received a notification that the late fee was waived - finally got logged in saw I was charged interest. After trying to resolve over the phone by waiting to be disconnected I logged on line and had a chat. Where I was told the actual terms only applied to balance transfers that they would enroll me in the COVID program to waive the foam deadline charge - good thing I followed up from my conversation two weeks ago. The finance charge was not waived. I talked two two different associates. They received more returned mail. The address was not updated this First time and th why are refusing to waive the finance charge. I was asked to call customer service where they disconnect and hang up on you. Fair and deceptive practices here

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