BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: KEYCORP
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I made a loan 15 years ago to finance a boat with KeyBank. I have the contract which states that I must pay {$390.00} for 180 months. I have fulfilled that debt. Then at the end of my term, the bank sends me invoices stating that I owe {$1500.00}. But I can not get them to tell me what is the breakdown of that charge. 
I have already paid off the loan per my contract. There is not any late fees owed. In XXXX, I drove to XXXX Ohio from XXXX Ohio ( about 50 miles ) to talk to someone in person regarding this loan. I spoke to XXXX XXXX at XXXX regarding this matter .She promised to look into this matter, and get back with me. She never called me, and would not return my phone calls. I did finally get ahold of her boss, and he told me that he does not make adjustments at his bank. All this time, KeyBank continues to send me invoices stating that I owe approximately {$1500.00}. they continue to call me. I ask for a breakdown of that amount, andthey say that they do not have the resources to tell me what is the breakdown, or that they are just a call center in the XXXX etc. Finally about XX/XX/XXXX, I XXXX a sales and marketing manager who works for KeyBank in  XXXX ( about 4 hours away from me ) and his secretary provides a contact for me who is XXXX XXXX XXXX at XXXX. That was a long shot, but I finally got ahold of someone. XXXX states that she ca n't really give me a break down of the charges either, stating that she does not have the manpower to breakdown the loan either, and it is not an option that the loan department offers. So I have to ask, I have fulfilled my contract. I have paid 180 payments of {$390.00}. And I really need to know what is the breakdown of the {$1500.00}. I have a copy of my contract. I asked XXXX to not submit poor credit rating to XXXX while we are working on this matter. But she states in the email that she can not stop the poor credit reporting. I have credit over 800, and they are going to hurt my credit. I asked them to stop just while we work on this matter. I have fulfilled my obligation to the bank .I have the copy of my contract. The bank did give me my payment history, and I can see on their side that my payments have been made. So, I need to know the breakdown of the charges that make the {$1500.00} that they request. They ca n't tell me wither what is the breakdown. They state that they do n't have the manpower to do this. I am requesting that all credit reporting be stopped until we get to end of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Credit Karma, LLC
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a XXXX XXXX XXXX XXXX and XXXX Accounts. My last transaction that went through is on XX/XX/XXXX. Ever since then, even though I have over {$190.00} in my Spend account and {$10000.00} in my save account, my debit card is declined and when I try to transfer my money out of the accounts it says my account is frozen. I also get an error, if I try to close my accounts. 

I have emailed and phoned the customer service over and over - and they just say they will forward to a specialized team. I never hear back from any of them. I don't even know why they froze my account. 

I have bills to pay - I need my money back. Please help me get them to unfreeze my account ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX ... Loan # XXXX ... on opening my site and checking my LTV I am at 78 percent as per YOURSELVES.. and that is because I have been paying additional amounts to my principal amount ... A paragraph below you say that when I reach 78 % which will be XX/XX/XXXX my PMI will automatically drop off ... How come if I am there already. WHY then do I have to pay {$35.00} per month until XX/XX/XXXX. Then I call and leave a message and XXXX XXXX calls and left a message saying I could get it removed if I pay {$490.00} for an appraisal of my home, thats a joke. you should do the math.. I think I need to wk for you as this will cost me more money than paying {$35.00} for next 6 months ... I did n't know you were that desperate for {$210.00} ... My home was bought for {$84000.00} and I have put siding on it, done landscaping and put a Gazebo in ... so it is worth much more, but lets just leave it at your figures ... .. I do n't like to be ripped off ... ..and I am rather upset ... I pay my money on time and have done business with you more than once and recommended people to you, this is not acceptable ... Please forward this to whom ever ... XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
MASSIVE DATA BREECH! NOTED IN XXXX 2016, CALLED XXXX REGARDING MULTIPLE " ACH WITHDRAWALS '' FROM PERSONAL CHECKING ACCOUNT. 
REPORTED TO CFPB BUT UNABLE TO FOLLOW UP DUE TO GLOBAL ACCOUNT TAKEOVERS. 
NOTED THIS PAST FEW WEEKS MY BE DUE TO FRAUDULENT ELECRICAL WIRING BY A SCAM ARTIST 10 YEARS AGO THAT INVOLVES MY PERSONAL AND PROFESSIONAL PRIVACY AND SECURITY. 
CASE 'DROPPED ' BY XXXX POLICE DUE TO RACIAL PROFILING. 
MASSIVE BANK FRAUD IINVOLVING 5 BANKS, FRAUDULENT TERMINATION OF EMPLOYMENT. UNABLE TO LIVE A NORMAL LIFE DUE TO PHISHING, SPOOFING AND SURROUNDED BY INTERNET THIEVES IN THE NEIGHBORHOOD. 
PLEASE HELP ME! NO ONE CARES OR GIVES A XXXX. 
FRAUDULENT BUSINESS, AWARE OF THE SCAMMERS BUT I AM POWERLESS WITHOUT THE LOCAL POLICE DEPARTMENT. 
XXXX POLICE LAUGHED AND JOKED ME. ABOUT TO WRITE TO THE XXXX XXXX TO EXPOSE THE CITY BUT THOUGHT IT WOULD MAKE ME DISAPPEAR. 
PLEASE, PLEASE HELP ME. NO WAY TO EMAIL ME THAST IS SECURE, NO SECURE PHONES EXCEPT MAYBE MY FLIP PHONE XXXX XXXX. I AM A PHYSICIAN AND DISRESPECTED, DISHONORED AND DISMISSED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I 've asked Equifax several times to remove a XXXX XXXX / XXXX from XX/2012 from my credit reporting it has been paid and reads {$0.00} balance. They keep telling me it 's up to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Advance Bureau of Collections
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX keeps calling me repeatedly from phone number XXXX I mean back to back calls, I will be more than happy to provide my cell phone records and she will leave one message but then keep calling and wont leave another message. TODAY XXXX/XXXX/2015 was it for me she called me from her cell phone repeatedly which is phone number XXXX and I do not appreciate that one bit. She is very rude and very hateful.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened this claim XXXX agains TD BANK. They sent me a letter saying that the charge back request is under review, they credited my checking account with the disputed amount, and a few weeks ago the bank revoked that credit without any letter or comunication telling what is going on with the dispute. 
The merchant never sent the items to my address...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: JPMORGAN CHASE & CO.
State: NC
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:
I received a new XXXX Card from Chase Bank. When I tried to access my account online Chase refused to allow me to have access without agreeing to accepting electronic billing. I do n't accept electronic billing from anyone and as has been proven over and over none of these companies can protect our data. I get paper billing for everything. The only thing save anymore is the US Mail. All  Chase is trying to do is save themselves money at the consumer 's expense. I have had an XXXX  Chase account prior ans was not forced into accepting everything electronically. They still have all my personal information and are blocking my access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have reapplied with Ditech for a loan modification and was just told that they can not stop my sale date for XXXX/XXXX/XXXX because they needed my paperwork updated since mid XXXX. I had sent in an updated package on XXXX/XXXX/XXXX later to learn that the fax number they gave me to fax my documents to takes up to 10 days to update on their system. I was given a different fax number on XXXX/XXXX/XXXX to which I sent in my package again and was told that it would be looked at within 24 hours. I called on XXXX/XXXX/XXXX to check on the status and was told by XXXX of the account managers that she would forward the paperwork over to the appropriate department so they can see if the could postpone my sale date. I called again on XXXX/XXXX/XXXX for another update and was rudely told by a supervisor on why I was requesting a sale date. I told her that I wanted to request a postponement because I had submitted all the required documents for a review and she rudely said that they need 37 days. She asked me repeatedly why I wanted a postponement, speaking to me rudely and as if I was bothering her, and I said because of the modification documents that I updated. I then asked if she could send me a decline letter stating this information because I honestly did not believe her by the way she was talking to me. I asked if she knew what date that they were going to mail the decline letter out or if XXXX had been generated and again she did not know and she sounded like if she was just making up an excuse not to review the file. I did n't argue with her but I honestly think that Ditech just wants me to lose my house or that the rep I spoke to was having a bad day and just did not want to help. All the previous reps I had spoken to did not mention that a postponement could not be granted given that my file is complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
( I selected the most appropriate issue in the previous section, but there was really no accurate option on the list for the following issue : ) My husband and I leased a new car in XX/XX/XXXX. When we came to the end of the 3-year lease in Fall XXXX, we decided to purchase the vehicle through a loan. The paperwork was sent to us to fill out from home and have notarized, which we did. 

When I went to make the car registration payments a couple months later, I was unable to do so - there was an issue with the title. I called Chase Bank and was told that they had the title delivered to our home ( which we had never received ) and that we were supposed to bring it to the DMV. After explaining that we had never received a title, I asked them to generate a duplicate title and was told it would be sent out in 6-8 weeks.

The duplicate title never arrived. For the last TWO YEARS, we have found ourselves in a cycle of attempting to request a duplicate title every few months - and each time, the title department treats it as if it were a new request, never acknowledging that we've repeatedly made the request before. When trying to solve this issue directly with the DMV, they informed us that Chase had sent a {$1200.00} check attached to our name, that is simply sitting there - unprocessed - because no one has any idea what it is for. 

I have been pulled over 3 times and have had to explain the situation to police in hopes that they would not impound my car ( as I can not afford to pay to get it out of impound ; so far, I have been lucky ). I can not guarantee that my insurance company will cover any damage or injury should I end up in an accident, as I can not register my car as required by insurance. I have attempted to get a new title generated for the car by getting an auto loan through a new bank ... but have been told that I will only be approved for a new auto loan when the registration is up to date on the vehicle. I can not receive legal support, because there are no lawyers who see the value in taking this as an individual case. 

Essentially, I am being held hostage in a vehicle that I must pay for, but can't legally drive and that brings me more liability than it's worth. 

I know for a fact that there are multiple consumers with this SAME EXACT PROBLEM with Chase 's Title Department. 

The majority of correspondence around this issue has been over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXXComenity Bank XXXX/XXXX/16 I took out Comenity Bank Credit Card and purchased XXXX swimsuit. {$100.00} Too small so I returned it to the store XXXX XXXX XXXX in XXXX XXXX, XXXX, WA XXXX/XXXX/16 Order a size larger. {$100.00}. Did not fit, ( too short ). So I returned it to XXXX XXXX. 

Comenity Bank is charging me {$400.00} Total fees charged in 2016, {$320.00} Total interest charged in 2016, {$76.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase has prevented access to my daily transaction BTC reports by delegating administration privileges to XXXX. 
Coinbase continues to tell me, " we hope you have solved your problems. We have closed this case ''. Meanwhile nothing has been done and I am asked to submit another request using the same email thread when I inform them that I see no results. 
I have informed them that legal proceedings will commence under UCC guidelines through FTC Financial Crimes Unit.

I wish to further generate citations and submit to the FCC and FTC, please acknowledge such and forward to my email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Consumer Portfolio Services, Inc.
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: Old information reappears or never goes away

Complaint:
I have an account with Consumer Portfolio that has been paid since XXXX.2013. The company agreed to remove this account upon me paying it and it still has n't been removed. I would like this account removed it is closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
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: Old information reappears or never goes away

Complaint:
Between XX/XX/2021 and XX/XX/2021 I was rate shopping for rates with mortgage companies. 
I contacted several companies, because I knew that though these would be considered hard inquires it would only be counted as one inquiry because they were all for one specific type of loan. However, all three credit reporting agencies are reporting 4 separate hard inquires which has greatly impacted my credit score by approximately 44 points! When I contacted them I was told that they can not remove these inquiries. So it seems that when rate shopping a consumer has no protection whatsoever and these inquiries will impact your credit just the same ... ... PLEASE help me, this is really unfair.

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 2017-03-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company keeps calling my employment after i had told them they are causing distress they have spoken to various people in my company asking to speak to my manager about a debt i owe. Once they said they were serving me papers and i told them ok she said to meet her at my house i called her because she never showed up she said she was n't going to then XXXX said he would serve me papers in front of everyone at work instead so i better make a payment arrangement otherwise they will serve i said please serve me to stop the harassing phone calls and everyone in my place of employment being harassed by their phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 

I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Also, I sent the company a letter on XXXX/XXXX/XXXX asking for a legal contract and there was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for the unsecured Amazon Store Card and was approved on XX/XX/XXXX. As part of the agreement, I was required to provide an initial deposit of {$500.00}. The agreement also stipulated that my initial deposit will be refunded after my card is updated to a secured account. 

My account was upgraded to a secure credit card around XX/XX/XXXX. All attempts to get my initial deposit refund has not yielded results. 

I have made numerous ( 8 at least ) calls to their customer service centres, and the response is always : " wait 7 - 14 days, your check will be reissued '', but they never follow through with this. 

My last call with a representative was on XX/XX/XXXX, and I was again told to wait 7-14 days for my check, which I was supposed to have received about a month ago, based on a previous call.

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