BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XXXX XXXX, I attempted to withdraw cash from my Unemployment Debit Card contracted with KeyBank from a KeyBank ATM Machine. Because of the amount {$1200.00}, the ATM Machine would not allow me to make a withdrawal. I went inside the KeyBank and asked a employee to withdraw cash and put it in my KeyBank checking account. The employee made a cash advancement from my debit card. During the transaction he was impatient and attempted to stop the transaction and doing so attempted to backed out of the act. The system process the advancement before backing out and the person said that I was at fault. I asked him to give me the cash that was withdrawn, and he refused. He then recruited his manager to assist. She looked at his information online and saw that the transaction was done. The manager told me that I had to wait until the transaction showed up in the employees teller which would happen at the closing of the business hours and I should return the next day. When I returned the next day the money was supposed to have disappeared and when I requested the money that was withdrawn from my debit card be giving to me, the manager refused. 
The employee instead called the debit card company and started a dispute. The policy for disputing a transaction is 7 to 10 business days to get to be reviewed. Meanwhile I am forced to wait to get money that belongs to me and was withdrawn from my card account. My car payment is late, and my credit card payment is also late. Im forced to pay my rent late, with an extra fee because its late.

I was forced to pay my phone bill late as well. Im receiving unemployment and this act has caused unnecessary stress, and hardship for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 unauthorized inquiries on my credit report i have reached out regarding inquiry and i either get no response or unable to locate file but no one has taken the initiative to remove they unauthorized inquiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Suntrust Bank has consistently reordered my transactions to charge me multiple NSF Fees. These small transactions were not showing as pending but as posted as early as 2 days before the charges were added. I had XXXX check outstanding and this was somehow placed before the other transactions so NSF fees could be charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have reached out for help with American Education Services for 3 years now and they still refuse to help me. I have XXXX private loans and a federal loan I 've been trying to get help with, I have constantly told them my income depleted because of my daughters XXXX situation, I have submitted paperwork and have spoke to numerous supervisors and took a quiz and informed them I have no income and the continue to tell me I do not qualify for additional help. This company along with XXXX refuse to re-evaluate my income stays to give me help. Can you please help me to understand why I can not get help from them. Thank You in advance, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
Hello I submitted a dispute with the bureaus about a closed XXXX  XXXX XXXX XXXX  that have late payments on them and a repo which is in accurate and unverifiable and even sent them proof that the payments they are reporting late are inaccurate i paid those months they are reporting late and they are also saying i had a repo which is not correct. I disputed with them asking them to submit the method on how this information was verified but they sent me no information. i will attach the letters i sent and also my bank statement from those months they claim i was late. 
XX/XX/XXXX i made a payment of {$350.00} for XXXX payment, XX/XX/XXXX I made a payment of XXXX for XXXX payment and on XX/XX/XXXX i made a payment of XXXX these payments were made on time and taken out of my bank account i don't know why the three bureaus still have that i was late and a repo when i was never late or got my car repo on this account. please help me fix this

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 2020-02-27
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:
ACCOUNT WAS OPEN WITHOUT MY KNOWLEDGE

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 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I recently reviewed my credit profile and noticed inaccuracies

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 2022-05-05
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Hello, My name is XXXX XXXX i made transaction on XXXX 2022 with westen union. Then i am cancel my transaction on same day. And i call customer care representative for refund they told me your amount will be refund to your account on XXXX 2022. On XX/XX/XXXX in mid night i call agin customer care Representative And he told me we get amount on XX/XX/2022. Its take XXXX more days. But my amount alredy Detective from my account on XXXX 2022 at same day. Then i call to my bank they told amount was cut off on XXXX XXXX 2022 the westen union still did't give my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
XXXX  XXXX/ XXXX XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX  XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: MIDFIRST BANK
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a Request for Information/Notice of Error on behalf of XXXX to MidFirst Bank c/o Midland Mortgage on XX/XX/2017. Midland Mortgage is claiming that XXXX is in default but he insists that since his Trial Period Plan, he has never missed a payment. Midland Mortgage has failed to respond in any way to the Request for Information/Notice of Error and XXXX files this complaint.

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 2016-04-13
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
When I started to lookup how to consolidate my loans, I did not know what I was doing, I did not know what plan was best for me nor did I understand the terms. FedLoan Servicing told me what to fill out and that they would " select the best plan for me '' and of course as it turns out it was not the best nor was the payment affordable. I am now stuck in the plan because they refuse to switch me and I ca n't afford the payment. I spoke to another servicer and they said that I should not have a problem switching. 

I have spoken to them many times trying to explain what happen an how their agents mislead me about their plans and did not fully explain them and still they refuse to budge. Now I 'm a month behind already and still ca n't afford the high payment they set. 
There is a plan that would make my payments affordable for me and would help me pay my loans on time but they refuse to switch me to the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I took out {$16000.00} in student loans in between XX/XX/XXXX-XX/XX/XXXX. Due to many circumstances, including misunderstanding of fees and penalities, these loans went into default. I consolidated the loans once that I am aware of, but according to NSLDS I consolidated XXXX separate times. I also completed a rehabilitation in XX/XX/XXXX. I have been consistently making payments well above the minimum requirement since XX/XX/XXXX. 
However, in spite of all the payments I have made over the past 20 years, my balance is now almost {$60000.00}. I contacted FedLoan in attempt to verify the payments I had made, and what the several thousand dollars of fines were from. They provided me no information prior to XX/XX/XXXX. I contacted the Ombudsman, whom I thought was supposed to be a neutral advocate, and I feel she did not represent my needs or my interest at all. It took her 5 months to provide me with the same records I already had. She specifically told me there is no information regarding my rehabilitation, no promissory notes, no explanation of fees or charges. She provided me zero additional information, and yet she said I have no options in verifying this debt that has consumed my life. 
These loans were taken out before the bankruptcy laws were changed, yet they were affected by the law changes. These loans were taken out before the lending process in general developed guidelines to prevent abuse, yet THOSE laws did not affect my debt. 
I have literally paid the equivalent of what was borrowed, yet the Department of Education tells me balance is 3 times what I borrowed. They refuse to provide any records to validate my debt, and it is obscene that my student debt is not held to the same standards as credit card debt, medical debt, civil debt, real estate debt, or any other debt that I have ever heard of. This is predatory lending, and unvalidated debt, and I should have the right to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXXt account XXXX XXXX XXXX. acct # XXXX, XXXX XXXX acct # XXXX, and XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Well first off I never knew anything about this account until I received a bill in the mail. It has made my credit score drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$230.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I cancelled this account well within the time allotted per the contract but they continued to charge the account. The representative I spoke with at XXXX assured me that this was their error and that they would correct the issue. The representative also assured me the account was in fact closed and in good standing and that this account would not go to collections. There is no outstanding balance due and therefore nothing to collect/chargeoff. I never received any correspondence from XXXX that this account was allegedly in jeopardy. I did not know this account had even gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have called XXXX and I have contacted the bureaus to remove this however, I have not been successful.

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 2016-01-03
Company: Paypal Holdings, Inc
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
Once again a problem with checkout at Ebay and Paypal. I filled out my credit card information for {$75.00} payment for Ebay item XXXX ( XXXX & XXXX DVDs ). I specifically bypassed all the buttons for Paypal and Paypal Credit and specifically clicked on credit card filling in all my XXXX XXXX XXXX information. I verified that the tick mark near credit card was active. I hit submit payment. The payment went through Paypal Credit and NOT my XXXX XXXX. I attempted to resolve this with Paypal ( XXXX ) and she said she would check and came back and stated they say no system issues. Incredibly enough that is similar to what occurred with a prior checkout that promised Paypal Credit and then did not appear at checkout. I have attached a whole forum of people that have had the same issue and yet Paypal ( and Ebay ) deny any wrongdoing or issues. She said I should contact the seller to refund the money so I can check out again for my preferred payment method. I am not going to taint my transaction with a new seller by yet another foul-up by checkout systems. My payment method of XXXX XXXX was diverted against my wishes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: SUNTRUST BANKS, INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SunTrust brought my loan XXXX 2012 from XXXX Bank and XXXX. XXXX months after refinancing SunTrust discovered that the MIP was miscalculated. Initially XXXX 2012 at closing, documents signed showed {$110.00}, SunTrust calculated {$250.00}. SunTrust admitted that a mistake was made and that they would be responsible for the difference. It was discovered that SunTrust have not lived up to their agreement in paying the difference in the MIP, {$130.00}, the bank has set up an account with my escrow overage to pay the difference in the shortage in my MIP, that 's illegal for that to happen without my knowledge. The account was discovered during the many calls to SunTrust regarding issues and questions regarding mortgage payment increase, there has been no increase in home owners insurance XXXX XXXX, no increase has been done for more than 5yrs, but mortgage payments have continued to increase, with the increase ALWAYS adding up to the shortage in my MIP. When it 's brought to the attention of SunTrust, the complaint is sent to the resolution team, afterwards several different statements indicating what my new payment will be for the coming month, with several different statements to follow week after week. I have struggled with this issue since XXXX, this has been very exhausting and humiliating, and I have not received XXXX refund overage from my escrow, although statements indicate a refund, but also show that the overage has been applied to the MIP. 
I have contacted the SunTrust Mortgage Escalations Team for a resolution to this issue, with letters indicating that the issue has been resolved, and the issue has resurfaced year after year for the last XXXX. My SunTrust Mortgage is so complicating and confusing at this point, when I call for any questions regarding the issues, they all relate to the MIP miscalculation, SunTrust customer service ca n't answer my questions, because they are just as confused. I have constantly had to deal with these issues each year when the Annual Escrow Account Statement is received. A mistake was made at closing with the MIP, with no fault of my own, and I have had to deal with this nightmare year after year, with no resolution. I have reached out to the President/CEO of SunTrust, and have exhausted all possible personnel relating to SunTrust to bring a resolution to this issue, only to be told by the resolution team that my complaint has been resolved, just long enough for the issue to resurface the coming year, this has been a vicious cycle going on since 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 2021-01-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have had my paypal account for many years and have used it for business transactions and for non-business transactions. Recently, after a whole year of high volume transactions Paypal locked my account and pinpointed three random transactions asking for the product sold and for my website to remove products that go against Paypal TOS. The issue is, I do not have a website and nor have I sold any products. All those transactions were with friends on discord to be paid back for stuff I bought them. Paypal support told me that I should not use their non-business transactions for amounts above {$50.00} but do not ever state that when you use their services and nor do they cap the amounts you can send. In fact, in order to send/receive more than XXXX I had to verify my account, showing once again that it is perfectly within their TOS to send and receive large transactions. Right now my account is locked alongside over XXXX USD of my money that is being withheld for me until I provide business invoices, suppliers, and websites that I do not have and have never had. I have talked to customer support at least 5 times to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: AL
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:
all hard credit inquiries between XX/XX/2021 thru XX/XX/2021 was someone else using my personal information applying for credit or loans or whatever because i was incarcerated from XX/XX/2021 until XX/XX/XXXX, XXXX i also do not recognize any of the other 3 hard credit inquiries. so of the 10 hard credit inquiries on me, at least 7 of them ( the ones during the time i was incarcerated ) are completely fraudulent.

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