BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On multiple occasion we ( members of the family ) tried to close my elderly fathers account at Key Bank. I am a POA and showed up with it in hand and the POA was turned down. The reason for trying to close the account is because after getting into my dads finances i discovered {$1000.00} of dollars in nsf fees. My parents had a very low debt ratio so it was clearly them being elderly and making mistakes managing their money. A financial institution should recognize this and close their account. My dad just passed on XX/XX/XXXX and we attempted again to go close his account and where turned down because we needed a death  cert and a short form which will not happen until me the executor is sworn in.. My dads other bank closed the account with just a death cert and copy of paid funeral bill. Key Bank since has charged him another {$7.00}. This is a disgrace to our elderly and i feel the bank is charging fees to help their bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Southwest Mediation Service
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Received a phone call from XXXX on XX/XX/XXXX. The lady XXXX stated she had a voice recording from a magazine subscription service and that I had stopped paying them in XX/XX/XXXX. She said that I was being taken to civil court and owed {$1900.00} to the magazine service but that she had worked a deal with them and I could pay {$290.00} today and have the debt go away. This was for magazines i did not purchase. I asked her to send documents with information and she sent a form to fill out my credit card info. She gave me till XXXX today to pay or face civil action. There is no record on any credit reports of debt owed to a subscription service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a previous complaint on this matter that you can look up if needed. Now XXXX XXXX XXXX XXXX through their Attorney Gurstel Law P.C XXXX XXXX XXXX XXXX XXXX XXXX, MN telephone number XXXX have a lawsuit against me for {$10000.00} minus {$25.00} for credit, NOT payments but credits that they say were extended on or before XX/XX/XXXX ( time line is very suspicious for Statute of Limitations ). I mailed ( certified ) them the ANSWER within the time limit and then mailed them ( certified ) Notice of Discovery and Request for Production of Documents. I had a hearing last week and the Judge has set summary of Judgement for XX/XX/XXXX. I have now received their ANSWER for Production of Documents. They do not have a Contract of any kind. I asked specifically for the date of last payment on questioned debt and received a paper stating specifically the last payment date of XX/XX/XXXX, ( I have tried to attach the photo of the paper showing Client Last Paid Date but your system keeps timing out, if needed I can try again later through email if you would like to see it ) I have neither spoken to or by mail or any other means discussed questioned debt with ANYONE. I now believe, after receiving their ANSWER for Production of Documents both XX/XX/XXXX and their Attorney Gurstel Law P.C. have knowledge that the Statute of Limitations ( 6 yrs in MN ) has passed. I did state Statute of Limitations in my first ANSWER to them also. I feel I am being harassed by both XX/XX/XXXX and their Attorney Gurstel Law P.C. I am now involved in a lawsuit that is costing me time, money and mental anguish that never should have been started had they looked at the FACTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an auto loan with  XXXX   XXXX , the loan was paid off in full with no late payments. It is reporting as dismissed under bankruptcy with late payment after it was paid. I have called several times in attempts to correct this information on my report. I began calling in  XXXX  to get this resolved and as of today the information is still showing incorrectly.

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 2022-01-05
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1 : Southwest Credit Systems XXXX, has today sent me a collection notice and claims that I owe {$130.00} to XXXX XXXX. 

2 : They have referenced an account number of XXXX. I have never had this account with XXXX XXXX. Though i was a customer of XXXX XXXX XXXX in the past. 

3 : They have addressed this notice to my name but the city ( XXXX ) is incorrect. I live in XXXX. 

4 : I have no outstanding debt with XXXX XXXX and since XX/XX/2020 I have had no account with XXXX XXXX. 

5 : Their collection has impacted my credit rating severely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am submitting a complaint after several rounds of dispute letters. However, these negative items are still reflected in my credit report. XXXX  student loans are still being reported to my credit after proof of discharge letter was sent to be removed at once! I didn't attend school there so it needs to be removed! Secondly, XXXX XXXX is still being reported in my credit profile when the loan account was paid in full and transferred to XXXX XXXX XXXX XXXX XXXX ). Why is this XXXX XXXX account still reporting as opened when it was sold and transferred. I have attached proof for both accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX  I made a loan for {$8000.00} from XXXX XXXX or XXXX XXXX XXXX account number XXXX. I just received a bill for {$4900.00} dated XXXX {$4900.00}. I have paid over {$10000.00} for this bill. I have had my banks give me statements documenting the payments. I am waiting for XXXX additional statements that reflects payments directly to XXXX XXXX for over {$1300.00}. 

Here are the dates from my account with XXXX XXXX XXXX XXXX  : XXXX - {$500.00} XXXX - XXXX XXXX XXXX XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} Please help me obtain a record of all payments from this company? Because I am sure I dont owe them {$4900.00}. I am waiting for bank statements from my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call in regards to my bill being forwarded to collection from the doctors office, it was two weeks after i visited the emergency room.
Usually it takes about two weeks before the insurance pays there portion and my insurance took extra few weeks to provide me with what i was expected to pay.
I immediately called the doctors office to pay the amount expected from me and i was forwarded to CMRE FINANCIAL who they process payments with anything that is even a day late, but they promised it wo n't appear on my credit report since they understood i did n't receive the statement.
The problem i am running into now is CMRE FINANCIAL went ahead to report as collection that was paid off which significantly impacts my credit for a payment that was fully paid within a normal insurance processing period.
I have asked credit agency 's to delete the information my report without success.
I would like both CMRE FINANCIAL and XXXX XXXX to delete the negative information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Thank you for calling me back Friday on my Chase " check " issue. I'll just start from the top and give you all the info I have retained. If there's something we can do I'm in. 

I have spent hours in the office with my personal banker at Chase ( XXXX XXXX XXXX XXXX ) and he personally has sat on the phone and they keep telling us the same thing everytime. The company, XXXX XXXX is the checkmaker and I currently do consulting for them. Chase has given me two options as far as proving the check isn't fraudulent and belongs to me ( XXXX XXXX XXXX ). They think the check is fraudulent XXXX XXXX  mobile deposited it. Through Chase 's mobile deposit system the photo that appears at chase does not show the security tags on the check so they think it's fraud. I have proof however that chase has several of these mobile deposits from the same company that have cleared for other customers. 

Back to Chases options- The first option is getting the checkmaker from XXXX ( XXXX XXXX XXXX XXXX XXXX ) to walk into a chase XXXX-which doesn't even exist in XXXX. The second option is to have chase call XXXX ( which I've had them do till I'm blue in the face ). However, the Chase system will only allow certain numbers to be approved to let them call in. For some reason Chase will not call the main number and press ext 4 to speak with the accountant. The obvious step for Chase to engage would be calling the bank or noticing how I have a past wire from XXXX. 


XXXX XXXX XXXX XXXX  is XXXX XXXX XXXX. I've gone through Chase executive branch and fraud branch as well and it always comes down to these two options every time. I speak to XXXX at the XXXX branch XXXX XXXX XXXX ext XXXX and as far as the fraud branch goes half the time someone from XXXX answers. 

I figured in the beginning it's only a check for XXXX so I'll mobile deposit it to make it easy. However, The past few weeks have been super frustrating trying to work this out and the last thing I want is for Chase to keep this money just on principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collection account in the amount of {$9700.00} showing on my XXXX credit report from XXXX XXXX XXXX. I have submitted an Identity Theft Affidavit to them and followed up with a phone call to them. I was assured it would be removed by XXXX XXXX, XXXX. It still has not been removed. It has been 2 months I have been disputing this account as a result of Identity Theft. XXXX XXXX XXXX does not care to remove this harmful account 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 non-monetary relief
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: CO
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:
****THIS IS NOT A REQUEST TO PUT ANY KIND OF FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT**** I AM TIRED OF YOU DOIN THAT TO SIMPLY SAY YOU HAVE ADDRESSED MY COMPLIANT. <P/>EQUIFAX YOU HAVE UNAUTHORIZED CREDIT INQUIRIES THAT DO NOT MEET THE " PERMISSIBLE PURPOSE '' CLAUSE OF THE FCRA. ACCORDING TO THE LAW YOU THE CREDIT BUREAU MUST SHOW PERMISSIBLE PURPOSE FOR ALL INQUIRIES. I AM CHALLENGING YOU TO PRODUCE SUCH DOCUMENTATION. <P/>ANYTHING THAT YOU SEND ME SIMPLY SAYING THAT YOU MUST KEEP THE INQUIRIES ON THERE BECAUSE OF FACTUAL TRUTH IS 100 % WRONG, AGAINST THE LAW AND I WILL PUSH FOR A FULL INVESTIGATION INTO YOUR REPORTING IF YOU DO NOT COMPLY WITH MY REQUEST. <P/>1. XXXX ON XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY. <P/>2. XXXX XXXX ON XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 3. XXXX ON XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: IN
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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
The Toyota   XXXX    XXXX  was totaled in collision back on  XXXX . We have been waiting patiently with  Toyota Financial Service filed out claim with Toyota Gap auto protection. After all this time we received a letter that our claim has been denied because document proving the car has been totaled has n't been received by Toyota GAP. The document proving the car was totaled was sent to Toyota Motor credit Corp by   XXXX  and  XXXX  impound and Toyota put value on the car and decided the car does n't worth impound fee and sold the car to impound.. As indicated on the attach letter. Please send this document and authorization to sell the car to  Toyota Guaranteed Auto Protection to pay our claim, also a copy of it  to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been trying to get a mortgage loan. The company I used says they used XXXX to pull all 3 reports. I was tod that that Experian report was locked because I was active military. It also showed my date of birth as XXXX, my date of birth is XX/XX/XXXX. It had many other mistake as wll. Every time I found a new issue it would start the clock over on their system to update. I made at 10 calls to correct issues. Finally on XX/XX/XXXX I was told everything was corrected. I checked today and still can not access my score, and information is incoreect. I don't want to call them again because they will start a new dispute and the clock stars over again. I've never been in the military. I called Experian and was told that these issues were corrected and it would take about 30 to 45 days to reflect my report. I don't know what else to do. Interest rates are going up. PLEASE HELP. The other 2 bureaus are showing updated accounts.

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 2017-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit card just renewed, XXXX XXXX. The old card was on file with the XXXX XXXX XXXX. The new card was charged by the XXXX for a subscription I did not want. I checked my XXXX account and found they had an updated credit card info, i.e. new expiration date. I never gave them that info. The only other source is the card issuer, Bank of America. At the very least I should have been notified of this. I would like all future charges from XXXX stopped. The original charge back inXX/XX/XXXXwas an error. I called XXXX and was told it could not be canceled because of an automatic system. I decided to not pursue the matter it was only {$28.00}. Now the charge was made again with the new card.

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 2017-06-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On  XXXX   XXXX , I suffered a total loss of  Vehicle  while account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to Equifax on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX  AGAIN reported to Equifax that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous comp laint ( Complaint Number   XXXX  ) was filed against equifax on  XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am writing in regards to the student loan I held with Navient. In XX/XX/XXXX I consolidated my loans with XXXX and until that time I made my monthly payments to Navient. I contacted Navient to request a refund for payments made from XX/XX/XXXX to XX/XX/XXXX and was told that I was not eligible for a refund due to the loans being FFEL program loans. I was disheartened to learn this information due to the fact that I had never recieved good information regarding obtaining loans and repayment so that I could make an intelligent decision regarding student loans. Had I known moving my loans from Navient to XXXX XXXX would have stopped my payments I would have done so in XXXX of XXXX but I was never given the information or the opportunity. I feel I have been a victim of predatory lending practices and would like my story ( and others similar to mine ) be heard and addressed. I only ask that the monies paid to Navient during the period of XX/XX/XXXX and XX/XX/XXXX be repaid to me. 

Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been past due on my student loan for personal reasons, currently I am in the process of a hardship withdrawal from my 401k to get my mortgage payment caught up. Recently Navient has been calling 3rd parties, which they refer to as references, but were never listed as references. They have called my brother 's girlfriend, my ex husband and father in law. I have asked several times to not contact anyone other than myself but I continually get cut off by the agent, they do not ask about any kind of financial information, and most recently one of the agents brought up my job at XXXX XXXX which I feel was almost a threat. I asked several times to stop contacting third parties and this agent refused regardless of me explaining my financial situation. She advised the call was recorded, so it will be heard that she stated I refused to pay which is not true. I asked to speak to a manager and no one was available. I find that hard to believe when they have the time to call ex-family members and harass me. At that point I again asked to please stop calling third parties and the agent stated that we were done talking since I asked to speak with a manager and none was available. I admit I was mad, but after being harassed by this company over several months without them respecting my privacy I feel I have the right to be. This whole thing has been humiliating and I feel like something should be done. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: GA
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 PULLED MY CREDIT REPORT FROM EQUIFAX AND DISCOVERED THERE WE'RE 3 ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT MINES AND ONE HAD REACHED THE 7 YEAR MARK, I DID AN ONLINE DISPUTE, WHEN THE RESULTS CAME BACK ONLY ONE ACCOUNT WAS DELETED AND THE OTHER 3 REMAINED SAYING THEY WERE VERIFIED. I CONTACTED EQUIFAX BY PHONE AND THE REP I SPOKE WITH I EXPLAINED TO THEM ONE OF THE ACCOUNTS REACHED THE 7 YEAR MARK AND TO PLEASE REMOVE ( XXXX XXXX XXXX ) THE REP REFUSED TO REMOVE. THE OTHER ACCOUNT FROM XXXX & XXXX XXXX I HAVE NO CLUE WHAT THIS ACCOUNT IS. THE REP REFUSED TO DISPUTE THE ACCOUNT AGAIN I ASKED THE REP WHAT KIND OF VERIFICATION DID THE COMPANY SEND AND THE REP PUT ME ON HOLD, CAME BACK TO THE PHONE AND COULD NOT PROVIDE ME ANY EXPLAINATION AS TO WHY AND HOW THIS ACCOUNT WAS VERIFIED. EQUIFAX ARE NOT FOLLOWING THE PROPER PROCEDURES UNDER THE FAIR CREDIT REPORTING ACT. THE COMPANIES CAN'T PROVIDE WITH ME ANY ACCURATE INFORMATION SO HOW ARE THEY VERIFYING THAT THESE ACCOUNTS BELONGS TO ME. I WANT THESE ACCOUNTS DELETED OFF MY CREDIT REPORT FOR FAILURE TO PROPERLY VERIFY THAT THEY BELONG TO ME, AND THE UNIVERSITY HEALTH HAS REACHED THE SOL AND NEEDS TO BE REMOVED

Company response to consumer: Closed with explanation