BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: KEYCORP
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I get paid on the XXXX and the last day of the month. Should the XXXX fall on a weekend I get paid the last business day before the XXXX. It slipped my mind that I was getting paid on the XXXX thinking Friday was the XXXX and scheduled my pay off on my credit card to come out for the XXXX of XXXX. I understand this was my error. I received an overdraft fee of {$27.00} on a {$35.00} payment that came out of my account one day prior to my pay day. I contacted Key to see about a courtesy as this was my fault but given my tenure of the account and only having a fee waived ( back in XXXX for honestly the SAME error ) they were not willing to waive my fee. I work for the XXXX XXXX at a XXXX  and am very disappointed with the interactions I had. They were not willing to budge one bit on waiving the fee. I understand policy but I do know it is not black and white. There are times you are able to " bend '' the policy and waive a fee or credit ones account in good will. The manager advised they treat all of their customers fairly and would not be removing this fee. I asked her if she could say that each and every customer with key has only ever had ONE fee removed on their account in a 12 month period and she stated she could confidently say yes. Lie. Straight lie. It is very upsetting and disappointing I am even having to take action this far over a {$27.00} fee. If this can not be removed I will be sure to share my experiences and consider closing my account. After over 4 years of service with key and only ever receiving two overdraft fees I am very upset they are not willing to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions Inc.
State: WA
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:
Experian is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/2018 along with a notary proving I am the person sending this letter through USPS certified mail. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. I on XX/XX/2018, I received a letter stating the results of dispute investigation. Instead of providing the requested information, Experian opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE DISPUTE CLAIM DID EXPERIAN SEND TO THE FURNISHERS? No dispute should have been made. If I did dispute, it would be with Experian for being Non-Compliant with the FCRA.

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 2021-07-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank is being very unfair with me and I feel discriminated against based of a previous account t I had with them which is closed was closed canceled I paid it off and recently applied for a card with them they refuse to process it check my credir giving internal reason about previous account this isnt fair this is not what they told me at the time of closure that I wouldnt be able to have a new account or reapply its not fair their credit dept treats me like garbage I want. My Hiltons card and they wont even process it their systems XXXX I regret nkt being a customer I want to comeback and be a Cardmember but they wont let me they refuse to process my application

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts on my Transunion credit report. FTC ID Theft Report # 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 2021-07-14
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: WELLS FARGO & COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2018-02-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have received calls from XXXX XXXX XXXX for about the last 6 months, and each time I tell them that the debt has been charged off and I am on XXXX and can not pay anything now more than {$5.00} a month if the debt is real. That amount is just not good enough. They are consistently rude, talk over you, and threaten with comments like " I can make your life miserable '', " I guess you weren't very good at your job or you would not have this debt '', calling me " lady ''. They are unreasonable, unprofessional, and just plain Bully 's! I don't know if they are a legitimate company or scam artists. Either way the brow beating tactics they use are completely out of line. Please check into this company, I surely hope if they are scammers that no one has given them any money. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: ALLY FINANCIAL INC.
State: CA
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:
A Hard inquiry was reported to my credit on XX/XX/XXXX that I did not authorize. I do not have an account with this creditor. 
I called the creditor to resolve this issue on XX/XX/XXXX and they were not willing to help.

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 2018-06-15
Company: Accounts Management, Inc
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They contacted my work on my day off, XX/XX/2018 in an attempt to collect an old medical debt from XXXXXXXX XXXX XXXX out of XXXX XXXX SD. They posed as someone that needed to get ahold of me and left a message with my supervisor at the XXXX South Dakota XXXX front desk ( XXXX ). They provided there number ( XXXX ) and a name XXXX and told my supervisor to call as soon as I could. I do not know how they got where I work since I do not post it anywhere online. My employer does not approve of solitication per company policy and do not approve of them calling. I called to tell them and they claimed they didnt even know where I work and that they didnt have a number after harrassing me for my social security number and other personal information. Im very distraught over the way they somehow figured out my employer, called them, and then obviously lied to me when I contacted them about it. I would also want to make sure they do not call my other employer XXXX XXXX in XXXX, SD ( XXXX ). They are Accounts Management Inc out of XXXX XXXX SD.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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:
Company refuses to fix factual disputes, Charge off account showing currently showing past due, Collection accounts with a credit limit, Accounts that are incorrectly reported as late or delinquent, Open charge off accounts,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: KEYCORP
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have several closed accounts at Key Bank. On XX/XX/XXXX, a refund from XXXX was sent to be credited to my debit card since it was the original payment method. I waited for months for it to be rejected by the bank and returned to XXXX so they could refund me in a different method. I thought the problem was on XXXX, because surely the bank didn't accept the funds to a closed card/closed account. In XXXX, after XXXX assured me they had not gotten the funds back, I called the bank. After researching for a while, the representative told me that the credit had come on XX/XX/XXXX and was not rejected by the bank and had been held for 4 months. How can a bank hold someone else 's money without so much as a phone call? She said that she had to submit a request ( I believe to the Returns Department or something similar ) for a cashiers check to be mailed and that it would be processed within 2 business days. Over a week went by and I called back. Another representative saw the notes about the request and told me that it should have been 10 business days and to wait a couple more days. It's been over a month and I haven't received the check. I called today and spoke to 2 different customer service representatives who said there is no record of the transaction, no record of a request to send me a check, and they could only find one closed account in my name. I was on the phone for over an hour with employees who literally didn't believe me and wouldn't get assistance from anyone else to help me. I have moved and there is not a local branch for me to visit. I am still looking for a refund of {$230.00}. At a time when most banks are stepping up, Key Bank is proving that their processes are unfair, deceptive and abusive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Have been trying to improve my credit score for a long time. It has been slowing rising. believe in not having credit cards. Only items on my credit report were student loans which I co signed for my daughter, an auto loan I cosigned for another daugther, and a small auto loan which I have. The auto loan for my daughter was paid off so I assumed that my credit score would go up somewhat. To my surprise it went down 15 points. Cant understand why with report showing all accounts in good standing, why my credit sore would go down 15 points, not up or remain the same. Have strived to improve my score, only to see it drop. Contacted equifax to explain why only to get the run around. Only thing they told me to do was contact you. Have strived to keep my credit spending under control.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Rocket Mortgage, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I approaced Quicken Loans in XXXX for a mortgage refinance. They were offering a " Match or Beat Offer '' where if they can't match or beat the offer they were to send a {$250.00} gift card. I decided to pursue the refinance with a different company because of a better rate and then later approached Quicken Loans to obtain the gift card on XX/XX/XXXX. At that time they asked me to send all documentation which I did and they responded stating that the gift card should be issued to me and that I should expect in 4-6 weeks that takes us into early XXXX. I received the gift card sometime in XXXX. I did not try to use it until XX/XX/XXXX then again several times in this year. All my transactions were rejected. I called the customer service number on the back of the card but they could not find my card. Then I decided to call Quicken Loans and they asked me to check the expiration on the card. The expiration date was set to XX/XX/XXXX and this was a card that was issued in XX/XX/XXXX. They stated on the call and in emails that it is wierd for a gift card to expire in 3-4 months from the issue date and agreed to look into the matter. But all my attempts at resolving the dispute amicably ended in trash. In my latest email conversation they stated that they changed to an yearly expiration on their gift cards after XX/XX/XXXX. But even with this story, since I received my card in XXXX, it should have had the right expiration of 1 year instead of 3-4 months. Please help me resolve this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
AMEX account XXXX This scam ruined our lives. After this much time dealing with the fallout including severe XXXX, I am able to see things more rationally. 

I am a professional with a family. I am XXXX XXXX XXXX. I am not stupid enough to walk into places like this and hand over a credit card to them, I am well aware of unscrupulous places like this. 

This was a failure of AMEX security measures and a willingness of this company to do business with criminals. 

These charges are fraud and AMEX has done absolutely nothing to protect their cardholder and has paid off organized crime. 

Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On the XXXX XXXX XXXX I submitted a dispute to each of the major credit reporting agencies to report me being an identity theft victim. Despite the submission of all supporting documents required by the reporting agencies and the FCRA sec 605b for victims of Identity Theft, there has been no action taken yet.

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 2018-02-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a call from XXXX who services my homeowners insurance to let me know that a payment had not been made in early XX/XX/XXXX. I reached out to XXXX at this time because they bought my loan from XXXX XXXX XXXX XX/XX/XXXX before the payment way due. I talked to XXXX XXXX XXXX   department and they said that it had been paid. I gave it a few days and called XXXX back. They said they still had received no payment and that my homeowners was set for a cancellation notice to go out. I reached out to XXXX again the last week of XX/XX/XXXX. The insurance services department said they would escalate it for research. Again I didnt hear back. I called the first week of XX/XX/XXXX and they said to give it a few more days because it was still being researched. We sold my house on XX/XX/XXXX and no money came back from escrow to me. I received no refund from my insurance. I called back again XX/XX/XXXX after receiving a bill from my insurance company. Insurance services said they researched and found that I would have to talk to someone in their customer service department because they couldnt see the information they needed. They tried to transfer me but it disconnected them. I called the direct number twice yesterday and twice today and after long wait times I am disconnected. I called my former mortgage company, XXXX XXXX XXXX, and they say they transferred {$1900.00} of escrow on XX/XX/XXXX when the loan was sold. My property taxes were paid but my insurance was not paid by XXXX, but they have lost the money and wont even give myself or my insurance company a check number to try and track this apparent payment. This is over {$600.00}. I then initiated an online chat with XXXX and the agent ( XXXX I think was his name ) said I would have to call. I told him I have multiple times but always get disconnected and his only answer was sorry we are experiencing high call volume and that he couldnt have someone call me I would just have to keep trying. I dont know what else to do to get the insurance company their {$95.00} and me the rest of the escrow money they owe me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is reporting 2 Hard Inquiries that i did not authorize. 

1. ) XXXX XXXX ( Auto Fin ) ( XX/XX/XXXX ) 2. ) XXXX XXXX ( Auto Fin ) ( 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 explanation
Consumer complaint received 2020-02-04
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO GRANDVIEW FINANCIAL NUMEROUS TIMES, I HAVE ALSO REACHED OUT TO XXXX NUMEROUS TIMES. THIS ACCOUNT WAS OPENED MAINTAINED WITHOUT MY KNOWLEDGE. THIS IS A FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I am a day late on a payment I have been getting calls every day almost every other hour. The number come up as unknown and when I answer its always XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/16 I tried submitting a purchase protection claim for my Chase credit card through their website eclaimsline.com. At the very end of the process you are required to provide a phone number to get a text - a feature that repeatedly failed to work. I then proceeded to try to use their contact form at https : //www.eclaimsline.com/XXXX and after filling out all of the information it also returned a message that an error occured please try again. 

I feel that this website is so shoddily constructed with every error requiring the customer to complete the process over and over again that it is specifically designed to discourage people from filing claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Braviant Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am writing this for my sister. She is a senior citizen and on a limited income-Social Security. She had just had XXXX XXXX XXXX and was on pain medicine when she made this call. She didn't realize all of this. She was not thinking and very gullable, They say not to sign anything when you have XXXX for this reason. She thought it was a credit card she was signing up for not a loan at 293 % interest. She never signed for this online or by mail. She has tried to stop the loan and auto payments XXXX a month to no avail. The date started XX/XX/2017. Original amount XXXX payoff amount XXXX. On their website, which I signed up online to look at this agreement. It says she has signed by clicking to allow electronic consent, which she did not. How could she read and consent if she was not in person, online or by mail? She was on the phone. She did not receive this in writing. They put it out on their website but did not explain this to her. She doesn't do online, What can be done to get her money back? They have scammed her and forged her signature.

Company response to consumer: Closed with explanation