BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a medical collection on my credit. As of XXXX 2015, credit reporting agencies such as Trans Union are required to withhold reporting of the collection for a minimum of 180 days and a maximum of 9 months so the patient can receive and pay the bill. I have informed them of this, but they have not removed the collection from 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 2016-12-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i sent a letter cerfied mail to equifax about a collection account on my credit report the apartment complex has me down as owing over XXXX i never lived there i apply for the complex but turned it down becauae i could no longer move to a different state at the time i asked equifax in the letter i sent to send proof of me owing this debt and they have not they keep telling me its verifed and i ask them who verifed it and how they will not send me anyproof i know i did not live there so there is no lease with my singarture on it i tried to reach the company and they went into bankrupcy so i can not reach anyone there and the collection agency is giving me a hard time bout getting it removed it is messing with my future of my housing and need some guidance to help me fight this equifax removed it out of public recored but wont take it out of collection even after the courts verified that i never was ask to goto court on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Ally financial has late payments fees and I understand that is just that they promise to waved the past month fees of XXXX dollars approximately and it 's been more than 25 days that they said that they would and they have n't done any changes to the account of that adjustment I am really mad because as I explained them the reason of my payment delay was because I had a family emergency and most of the time pay roll is something that is not on my behalf I just have to wait to get paid when my boss pays me I have no control for that it 's sad that this big company keeps telling me that I need to contact them thru the phone and they do n't seem to fix the issue. I keep telling them and repeated them my situation over and over and as they stated and promise that they would help me and adjusted nothing is yet waived after all those many times we spoke and after those secure messages that I sent thru the mobile app all they kept saying was I need to call ally financial to discuss that matter but why when we had already talk and they promise to waived the late fees of XXXX it 's not like I 've XXXX payments I have good relationship with them and I would want my relationship to be finished. I hope that they consider not playing with the customers since they had agreed to waived the fees and than not doing it after all. It upsets me so much.

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 2015-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion Credit Reporting Agency showed XXXX ( XXXX ) Collection against me in XXXX 2015. I disputed them with a CFPB complaint, XXXX! The original Creditor, XXXX XXXX XXXX and the Debt Collector, XXXX XXXX XXXX XXXX responded and sent letters. I was told that there was an error in the reporting. I was told that the original creditor ( XXXX XXXX XXXX, XXXX XXXX ) instructed the Debt Collector to remove my name from the account ( s ). The Debt Collector ( XXXX XXXX ) told me that TransUnion would remove the Collections from my Credit Record in 30 Days. I waited 45 days and checked. It was still there. I filed a complaint with TransUnion and they never responded. So I am back again to you, CFPB! Please help me to resolve this issue as it is affecting my ability to refinance my home!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
For the past year and a half every time I've tried to gain access to my Savings Account at Synchrony Bank I have been prompted to undergo the XXXX step verification to verify my identity. The problem has been that the phone number associated with my account is an old phone number I no longer have access to. As a result for the past year and a half I have been going back and fourth with Synchrony Bank customer service to update my phone number and regain access to my account but every time I would call I have been told that I need to wait a couple of weeks for my new cellphone number to appear under my SSN for them to authorize the change. The firsts of these calls took place in XXXX of XXXX and I would call every XXXX months to try yet again. Finally in XXXX of XXXX I was able to call again to update my cellphone number to update the text verification number that was preventing me from accessing my account on all of my devices. When the change was done, I was told that it would take 60 days for my new phone number to be set up with the XXXX step verification ( so I still would not be able to access my account across all of my devices until the XXXX day mark ). This weekend was the XXXX day mark since my final call in XXXX. However when I tried to sign into my account yet again I was prompted with a XXXX step verification associated yet again with my old phone number. It has now been closer to 2 years since I first reported support with this issue and we are still in the same place. At this point I'd like just to close my account as soon as possible and move on from Synchrony Bank. I understand the need for rigorous verification processes to protect the money of consumers, but that should not come in exchange for accessibility. Until XXXX of XXXX I had no way to access my account, and the requirements and wait time needed to undergo any change ( days, weeks, month on end ) is ridiculous.

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 2016-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collectors have provide and report inaccuracy information not belonging to me all three mayor credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX 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 2017-02-17
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Kia Motors Finance is purposely ruining my credit. They keep reporting me as 30 days late on my loan when I 've never been 30 days late. I 've even sent a written letter requesting they correct this and they only made it worse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/2022 I disputed some fraudulent unauthorized transactions with Navy Federal that was caused by XXXX XXXX XXXX XXXX. Navy federal reply was that they investigated my claim but was unable to process it in my favor because their Debit Card disclosure requires that I report my disputed transaction within 60 days. Knowing that there is no statute of limitations on fraud and if so ten-years ( 18 USC 3293 ). I request that Navy Federal restore any funds withdrawn from my account without my consent or authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2022 received bofa determination letter stating there not liable for unauthorized transaction of {$5000.00} due to timeframe of filing over a year. in reality it was filed within timely manner but due to bofa rep error of not understanding filing process between transactions and transfers later found by another bofa rep while I was informing on claim he had to refile the transfer claim process in order to be valid. also mentioned he noted on claim error was on bofa rep claims.

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 2016-12-13
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In a teleconference on XX/XX/2016, XXXX the head of Key Bank 's Collections Department, stated that XXXX did not apply to Key Bank ( because Key Bank did not accept TARP money ). 
In a XX/XX/XXXX XXXX XXXX about Key Bank XXXX XXXX XXXX, XXXX : XXXX # XXXX, XXXX XXXX XXXX XXXX ' XXXX 's question as follows : Key suffered some dark years during the recession and in XX/XX/XXXX became XXXX of the last banks to repay its {$2.00} XXXX in bailout funds. Is this still a turnaround mission? 

" The TARP money was not a bailout. It was originally given to banks that were deemed financially stable and viable. We were patient in deciding when to repay TARP because part of the requirement was that you needed to raise new equity -- you had to issue stock. By waiting until our financial performance was stronger, we diluted our shareholders less. We are proud to have that chapter behind us. We 've been profitable for XXXX quarters and are building momentum for the future. I truly believe Key is past the inflection point. '' If Key Bank accepted XXXX funds, than it is obligated to offer XXXX. XXXX XXXX 's misrepresentation that HAMP does not apply violates Unfair or Deceptive Acts or Practices provisions of XXXX U.S.C. XXXX ( a ) and New York XXXX XXXX XXXX, XXXX. 

Since XXXX will expire on XX/XX/2016, XXXX misrepresentation could be very injurious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There is fraudulent and inaccurate information being furnished on 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 2015-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I would like to be credited in full, of all the fraudcharges including, the charges for products andservices, they claimed they offered that I 'm notsure what they are. I did not apply for creditwith this company, or with any one that maybe associated with as a victim of fraud. 
I feel like I 'm being scammed agained. 
for these reason I do n't use credit card norapply for credit.i do n't feel safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I purchased XXXX notebooks from XXXX on XXXX XXXX, 2015 for ~ {$16.00} and that charge was on my card. Five days later, while I was at work, there was {$280.00} transaction from the same XXXX on the same card I used previously. I caught this transaction that I did not authorize the same day it happened and called Bank of America to submit a dispute. I was informed I could not submit a dispute until the transaction was no longer pending. In the mean time, I called XXXX XXXX to see if I could figure out more information. I could not. I called Bank of America immediately when the charge was no longer pending to make a dispute. I was informed that because XXXX said my actual card was swiped that Bank of America could open an investigation, but that the charge would stay on my account. They refused to give me the benefit of the doubt during a very lengthy investigation period of 2-3 months. Meanwhile, they advised me to not pay they charge and let interest accrue and IF the dispute came back in my favor, they would excuse the charge and pay back the interest accrued. Lastly, I had to ask if I would get a new card because fraud was committed with my card ( this was not suggested by Bank of America even though I told them I had an unauthorized charge ) and I was informed to monitor my card, but that a new card was not necessary at that time. I felt this was misleading and poor advice and called back later to order a new card. It took 10 days to receive. The investigation is ongoing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-16
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a student loan now serviced by Navient. 
Navient just sent me notice they have automatically decreased my payment amount by half -- this is without my consent. 
In effect, Navient is trying to double the length of my repayment AND charge me the related interest. 
Navient offers no way for me to manage the payment amount through their web site or through their automated phone system. I can LOWER my payment through these automated systems, but I can not restore my original, higher payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been trying for the last several months to get Navient to address my account. 
I have offered the best i can afford. They have accepted twice and each time have failed to instate the program. They are now charging me late fees. They will not comply with their agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient has been increasing my payments and interest rate monthly, It is very hard for me to keep paying when the installments increase without notice and by huge amounts. I called and asked for the paperwork to file a complaint and claim as part of the lawsuit, but have n't received any information from you. The call center rep told me that I would have the paperwork within 3 weeks. It has been 2 months. Please let me know how I file a claim and complaint against Navient. It is a shame they are doing this and has to stop! I would like some of my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I called navient because I was falling behind on my loan payments. They told me I already had deferred them too much. I told them them I was still in school but they did n't care, I needed to start paying my private loans already. So we made and agreement that they would charge automatically from my bank acounnt XXXX dollars on the XXXX of each month and I stuck with it for a year. 
I lost my job after that year and I could n't afford to have money withdrawn every month so I stopped the plan and let them know. They said I had 60 days before my account would reach deliquency. When that happened I talked to them again and asked if we could start that auto payment option again. They agreed and they charged me XXXX again in XX/XX/XXXX. They said I had to call again to really set up. I did it for XX/XX/XXXX. They told me that on XX/XX/XXXX they would charge me XXXX but after that on the XXXX they would start charging me a different set amount. The lady I spoke to said she was n't sure how much yet. The XXXX came and nothing. They did not withdraw the XXXX dollars. They are now saying i am 77 days in deliquency and that I owe them XXXX dollars on XX/XX/XXXX even though we discussed that there was no way I could make payments like that because that is more than what I make a month. They had already told me that once we started the auto pay option that would not be a problem. Yet this does not show up in the system at all! And they never charged me the XXXX dollars they said they were going to charge me. It 's as if that phone call never happened. What bothers me is that they acted like they were willing to work with me but they never followed through. I 'm frustrated with these people. I 'm not sure if I can trust them anymore. They claim to work with the student and they did for awhile but it seems now they do n't want to. Why do they act like they are working with you when they are not?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX is claiming a medical service performed in XXXX during the XX/XX/XXXX-XX/XX/XXXX time frame is mine. I live in XXXX and had not visited the state of XXXX in XX/XX/XXXX or anytime before that. I have had no medical services performed at XXXX ( or XXXX for that matter ) nor have I ever visited XXXX hospitals anywhere else. Furthermore I have had insurance coverage through an employer sponsored medical program most my adult life ( including the XX/XX/XXXX-XX/XX/XXXX time frame ), and would not have elected an out of pocket service. The debt XXXX is claiming is not mine and needs to be removed from my credit report immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Recently XXXX inquires were removed from my credit report with Transunion as of XXXX XXXX 2016 I had XXXX inquires with a credit score of XXXX on XXXX XXXX 2016 they added XXXX inquires on my report I have not inquired recently about anything until today which should have been XXXX inquiy to XXXX. Also I filed a dispute about XXXX and the report was removed for my file as XXXX bal paid as agreed. It was just again recently added back to my account after fighting with these accounts for sometime. It has been well over 30 days the results show expired and others show that nothing was never done. I have received no notification of any kind in over XXXX days

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 2016-04-08
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
First started receiving fake medical bills, and now threats of reporting to credit bureaus

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 2016-11-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hello, I have a checking account with Huntington bank. I recently made a bill pay through my checking account for {$1600.00}. The payment was issued and mailed by the bank on XXXX. My mortgage company never received the payment. I called the bank multiple times and spoke with several managers. The check that Huntington bank issued returned back to Huntington bank stamped ( returned back to sender, the address does n't exist ). However, Huntington bank still states that the payment was cashed when my mortgage company never received it. 
I spoke to a supervisor XXXX on XXXX, she indicated that the money will be placed back to my account on XXXX at XXXX. 
Today, XXXX, I still have no money. Multiple calls later, i have no answer about my missing funds and XXXX does n't return my calls. The bank admitted that they have a glitch on their part and the check was never cashed BUT they still refuse to deposit my money back. I spent so much time on the phone and even though I was promised for the money to be deposited back it 's still missing!!!!! I feel like HUNTONGTON stole my {$1600.00}! They just simply pocketed it! My money is still missing and I cant make my mortgage payment!

Company response to consumer: Closed with explanation