BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Re : Covid-19 Forbearance due to Covid related loss of income I spoke to a Key Branch manager about forbearance in early XXXX ( Date? ) and was sent out a packet. I then called the mortgage department and was told NOT to fill out a packet, and to wait for a call back from Loss Mitigation. 
After several weeks, and no call-back came, I contacted a Key representative on XX/XX/XXXX @ XXXX XXXX  and spoke with an agent who Transferred me to the loss mitigation department. The gentleman who answered explained that no payments would be due for 90 days and that after that period I was to call in and a streamline process would take place, where we would be eligible to add the payments to the end of the loan. He also explained that he was the head of the loss mitigation department ( i did not get his name ) and we spoke for over 20   minutes about my fears that 4 months of payments would become due at the end of the forbearance. I am not working due to stay-at-home mandate in Pennsylvania and said we would NOT be able to come up, win 4 months. He assured me not to worry, and that as of now no other paperwork is required. 

Today we received paperwork in the mail to fill out ... I called and was told by an agent in loss mitigation ( XX/XX/XXXX ) that all payments ARE due at the end and that what was explained to me on XX/XX/XXXX is Incorrect. 

I would like to speak to the person who I spoke to on XX/XX/XXXX to confirm and get clarity. 

We are scared to death now that Key will be attempting to take the home weve been in for 17 years. 

I was very cautious and clear when going into this forbearance situation that we would not be able to come up with 4 months of payments at once, and I was assured on XX/XX/XXXX that that would not be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent {$100.00} to my nephew 's bank account in XXXX, XXXX, via TransferWise on XX/XX/2021. The money has not arrived into his account as of today. TransferWise pulled {$100.00} out from my XXXX XXXX account on XX/XX/2021. I contacted the Transferwise via email and informed them about the situation. I had some correspondence with one of TransferWise representatives. I am not pleased with his responses. Here is what he wrote : " Just to summarize, are two options available. We can either wait 1-3 weeks until we receive back the payment, or we can try to recall the payment, but it might not be successful. ".

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Bank of America did a hard inquiry on me and reported to Credit Bureau on XX/XX/XXXX, I never applied for anything with Bank of America, similar issue last year XX/XX/XXXX. I have called several times and went to a local branch, received conflicting answers. I want the Bank to verify this and NEVER do a hard inquiry on my record without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax got hacked and still charged me XXXX dollars to put a freeze on my account even though it was their fault I needed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: ASSOCIATED BANC-CORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I want Associated Bank to close my checking account immediately, and send me a letter with payment plan options to pay the {$1900.00} back I owe Associated Bank for my overdrawn checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have requested one credit line increase on XX/XX/XXXX and I was denied a credit line increase. I requested a credit line increase back in XX/XX/XXXX and was declined after making all my payments on time. I believe this company has abuse it power by this form of action. I am filing this complaint again this company so consumers are aware of company pratices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, I received an email from PayPal stating that my account has been limited. The email states that PayPal had requested information from me which I haven't provided and he's the account has been limited which is not true. I received the email asking for information and stating that the account is limited at the same time with no prior notice. ( Ref ID XXXX ) I then immediately submitted all the information that PayPal requested from me XXXX That included a copy of my driver 's license, proof of address, bank statements and credit card statements of all my accounts and cards associated with PayPal as well as proof of ownership of those accounts, I also provided an explanation of the transactions PayPal had asked me about. I have read all of PayPal 's terms and conditions and I don't believe that any of my transactions goes against PayPal 's user agreement, terms and conditions or TOS Terms of Service. 

I then very shortly after received an email stating that I'm permanently banned from using PayPal ; without any explanation. I believe that this is either a discrimination against me personally or a system error. As nothing of what I do is against PayPal TAC and I have been using the service for several years now. I tried contacting PayPal several times and no one is helping I use PayPal to receive rebates on some products I purchased for the purpose of testing on my XXXX channel as well as often making unboxing videos of their products and providing designs and marketing advice for the manufactures. 
XXXX XXXX XXXX I have also previously used PayPal to send money to family and friends in the US and in my hometown in XXXX. I never had any issues with PayPal for years now and never had a dispute on my transactions ( Except one made by mistake and canceled later by the other party ). I'm asking PayPal to look into this matter and to reinstate my account again. If PayPal needs any additional information from me to verify my ownership of my accounts I'd be more than happy to provide anything that's needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The following hard Inquiries on my credit report Im unaware of ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   In XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion customer service would not help and take care of the negative inquiries reporting to 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 2021-07-13
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I don't have specific dates or amounts, but Navient, who my unbelievably high loans are through, uses what they call " income-based '' repayment plans. In which they review your bank statement and calculate that they can pretty much XXXX up every available XXXX you have. The only other option is to pay whatever the usual monthly minimums are and because my loans started around $ XXXX, my " minimums '' would basically be the equivalent of mortgage payments, anywhere from {$800.00} to {$1100.00} a month. I don't make that kind of money. Never have. That said however, because it was XXXX, I feel like I shouldn't have to pay even half that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Credit Adjustments Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with Credir Adjustments Inc after receiving a debt thats not owed. I asked them to validate the debt and the couldnt. They stated that they got the collection from XXXX. I did in fact call XXXX billing department they looked through my bills and seen that the bill never went into collections and they have no idea to how this company ended up with my information as the bill was paid by my medical insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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:
I have several unauthorized inquiries on my equifax credit report ... XXXX XX/XX/XXXX,,, ,XXXX XX/XX/XXXX ... .XXXX XXXXXX/XX/XXXX andXX/XX/XXXX ... XXXX XXXX XXXX XXXXXX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... I have been a victim of identity theft per my fraud alert and I have not received proof by equifax I authorized a hard inquiry per frca..I was also affected by the equifax breach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
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: Information belongs to someone else

Complaint:
I am the victim of identity theft and I have reached out to the listed companies and reporting agencies. All they did was claim to have notated it in their records. THere are several unknown account and over 30 inquiries that i did not authorize, please assist me in investigating this matter and helping me with these accounts that I did not open

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive faxed and mailed several letters to XXXX, Transunion and XXXX   stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
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: Information belongs to someone else

Complaint:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion File # XXXX page 4 of 10 XXXX XXXX XXXX XXXX is to be removed XX/XX/2018 and I have not received a copy from Transunion on an updated report removed

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 2018-07-08
Company: UMB FINANCIAL CORPORATION
State: MA
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 am complaining about : " XXXX XXXX XXXXXXXX '' credit card, formerly XXXXXXXX XXXX, now XXXX BANK XXXX want resolved : negative reporting on credit card, never can get access to online account at all. 
On my birthday in XXXX, I got the shock of my life when I found out I was a victim of a credit card breach on XX/XX/XXXX stemming from the XXXX XXXX breach. My credit card was used for XXXX plus at XXXX XXXX and I didn't pay the card that month as I was working with the credit card to dispute this fraudulent charge. I was able to get the charge disputed and dropped because of extensive research, getting photos of who did it thanks to XXXX XXXX loss prevention and a police report, but to this day the account IS REPORTED NEGATIVE because I did not make thXXXX XXXX  payment and missed. I have had this credit card for almost 10 years. They also will not increase my card usage. I did have a problem with a rental car place also in XXXX, and they overcharged my credit card. As a result, this further made me again be reported as negative. I also sent in a payment for XXXX lately and they claimed they did not receive it. They want to charge me a late fee and I have never been late in all the 10 years. My credit card now goes through as " unauthorized '' and I can no longer use the card. I have been contacting them and calling them for years, only to be told the negative is " fake '' and that it is a scam " to get me to pay to get a negative removed off my credit card '' to the credit bureaus. I have had people tell me all sorts of things here. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Mar Joe Enterprises
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I tried to get a job with XXXX and and XXXX XXXX call XXXX XXXX and got denied because of background check

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/2018 I was given a refund from an XXXX  seller in the amount of {$49.00}! I have told PayPal I have not gotten the money. PayPal has ignored my request to be called or emailed to find out where that money has gone. 

This is the second incident where PayPal was been given money on my behalf and has not put it into my account, both times the money was coming from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account Resolution Services have not validate the alleged debt. 
Did not provide HIPPA signed document. 
Sold unvalidated debt to the other collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
( 1 ) Navient page 5 under Governing law and Notice last paragraph state No provision of this Note may be modified or waived expect in writing by the lender of the Note what does that mean?

( 2 ) Why does the Lender of the Note state my IDs?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company that i was working for pin this on me and they went belly up.Therefore, since i was XXXX a XXXX XXXX at the time. The company owner did not provide me with proper equipment, in this case snow chains. And then i got a ticket for not carrying snow chains after pleading to get me the chains.I have made an attempt to pay for some of these fee but i have realized that i can dispute the matter and i will do so till i get the results i need.

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 2018-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed all my business accounts and my merchant account without any warning. closer to end of XX/XX/2018 they called me and told they closed my merchant account and do not charge anymore, then few days later I received a letter from Bank of America that my back accounts are closed and That I to go to the bank and withdraw my money from my accounts. I called Bank of America twice and was on the phone for hours and was transferred from department to department and no body is giving any answers what happened or why this decision was maid or what I can do to clear my business reputation and my good name. Bank of America ruined my reputation and refusing to clear my good name and I can not recover from that because they refusing to tell me why and what happened. I have also filed a complained with FTC Federal Trade Commission. If there is anything else that I can do please help me to clear my good name and my business reputation.

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 2020-04-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Express is personally pursuing a credit card debt owed by a XXXX XXXX, that I'm a XXXX  of. Company is going through difficult times and now with the Coronavirus pandemic, is not functioning at all, like all similar companies, making payments on any debts, impossible. 

I personally, for over a month now, am displaced from my place of residence due to the virus and the fact that my wife is a XXXX XXXX XXXX, dealing with XXXX XXXX on a daily basis. 

American Express has been harassing me with phone calls despite me asking them to send me all information on an email, so I could go over the options and review the situation. Where I am currently, cell service is limited and I can only make phone calls when I'm going to get groceries which I communicated to AMEX on one of my trips to the grocery store, via voicemail. I can't access my mailbox being many, many miles away and with my cellphone service being completely unreliable, email is the only way I can review and respond to any claims. 

Furthermore, AMEX has been harrassing my wife with phone calls recently, and caused emotional stress to her in these difficult times when she's already emotionally stressed with the work and with not seeing her children and husband for over a month. 

Last Saturday, XX/XX/XXXX, AMEX has destroyed my credit score,  bringing it down to 500 points by reporting the company debt to my personal credit. 

AMEX has done all these things without attempting to settle the debt on company 's assets. Company has various assets that could have been used to satisfy the debt, at least partially. Furthermore, I never received an email summary of what is happening and what is planned and I never received a proof that I'm personally liable for the credit card debt that is owed by the company 100 %.

Company response to consumer: Closed with non-monetary relief