BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I filed a complaint with the CFPB ( Reference number : XXXX ) in regards of KEYBANK not granting me the opportunity to complete a consumer credit transaction because I asserted and reserved all rights under the ECOA ( Equal Credit Opportunity Act ). 

On XX/XX/2021, KEYBANK corrected their position through the CFPB, and confirmed that they would be in compliance with the ECOA ( Equal Credit Opportunity Act ) and also would honor my ECOA request, as well as grant me the opportunity to complete the consumer credit transaction. 

On XX/XX/2021 I reached out to KEYBANK in regards of applying for a mortgage. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '', This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ). Through correspondence with the mortgage loan officer via email, the mortgage loan officer was properly informed of my ECOA request and was recommended by her supervisor to move forward in completing the transaction. On XX/XX/2021, the consumer transaction was completed and submitted for review by KEYBANK. On XX/XX/2021, I received an email from the mortgage loan officer informing me that the transaction was denied due to the information that was furnished to KEYBANK from consumer reporting agencies in regards of my credit history and worthiness. I Informed the mortgage loan officer that my ECOA request has not been honored and that KEYBANK has willfully violated the ECOA pertaining to this transaction. I have not heard back from the mortgage loan officer since my last correspondence through via phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage loan servicing was changed by lender to LoanCare in XX/XX/XXXX/ XX/XX/2016. I did not received any mail package from LoanCare as the new loan service company providing the information of new account number or address for making monthly payments However the old mortgage company sent me a letter that LoanCare will be the new loan servicing company. on XXXX/XXXX/2016 I sent out first payment using old account information. I hope that I will get monthly statement or other info from LoanCare in mean time. LoanCare will call and leave message, when called back, the system will ask to put in LoanCare home loan number ( That I never received ) or full social security number. To protect my identity, I could not punch in Full social security number. No live person could be reached untill I provide my full social security number. 
On XXXX/XXXX/2016 I received the payment overdue notice from LoanCare that had necessary account information. I sent payment to LoanCare electronically through my bank ( XXXX XXXX ). 
Now I had my account number, I called LoanCare, they admitted their mistake and wave-off the late fee. 
Around XXXX XXXX, 2016 I needed home equity loan, the lender pulled my Credit report, It had late payment record by LoanCare, citing that reason they declined to lend me money. 
LoanCare is wrongfully reporting late payment ( by 30 days ) on my credit report. 
- Payment was late by 12 days because of fault of LoanCare for not sending me mail package for new payment details. Payment was sent on XXXX/XXXX/16 instead of allowed upto XXXX/XXXX/2016. 
- For Mortgage Loans, the payment can not be assumed late for first two months ( 60 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 2016-09-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a leak in our kitchen and after 7 months of dealing with the insurance company and being hospitalized due to the stress from dealing with the situation we were able to make a settlement with the insurance company. We received s check for XXXX from the insurance, which we signed the check over to Carrington Mortgage, they then without a problem sent the check back to us. We then received a check for XXXX and another XXXX for XXXX. At that point they decided to make up a policy, which they never had prior to this situation, to hold on to the checks and said that if we were to receive the additional checks, we would have to send them estimates, proof of work being done and that their inspector would have to determine whether a certain percentage of the money could be released. Well we sent all the necessary documents to their " loss and draft department ''. Unfortunately every time that we try and contact them they can neither find the paper work, they put me on hold for 30 minutes to an hour, no one seems to know anything, or they find any and all excuses to not release the checks. The work is being done all we need is the money to finish the kitchen and pay the contractors. They are not entitled to these checks. We have already spent XXXX paying for the cabinets, we also paid for a new dishwasher, a new sink, several things that were necessary that the insurance company did not want to pay,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Re : REQUEST TO REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT To Whom It May Concern, Ive sent this complaint to your credit reporting company in request to REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT appearing on my credit report, under the Fair Credit Report Act you are required to comply with my request, I know that your company will need some sort of verification to prove my identity. My documentation is clearly enclosed and attached. Thank you!

After these FRAUD ALERTS has been REMOVED, please send me written confirmation to the address as it appears on Government Issued ID and bank statement. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX ENCLOSED ARE THE FOLLOWING THREE DOCUMENTS THAT VERIFY MY IDENTITY GOVERNMENT ISSUED ID/SOCIAL SECURITY CARD/BANK STATEMENT

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 2021-07-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I already had a complaint filed with you against them they contacted me and it seemed as if they had corrected the situation however upon the recent check of my credit report they have not- I have unemployment insurance on this one I notified the company of my financial problems prior to the loss of my income on XX/XX/XXXX and then at that same time provided them with the correct documentation for which to process my unemployment insurance claim. I am still unemployed and the governors office is working with me to file a claim for XXXX which they have already submitted for me.

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 2017-04-05
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In the early part of XX/XX/XXXX we changed insurance companies because we got a better rate by combining our homeowners with our auto insurance. We prepaid the premium, cancelled our old insurance and notified Loancare. We asked them to remove the old insurance from our mortgage escrow payment since we now pay it directly from our bank account and sent them proof of coverage. They refused to accept our mortgage payment unless we also included our old insurance premium even though they have the verification of coverage from our new insurance. We are currently a month behind in our mortgage because of their refusal to follow through. We have repeatedly called with no results. We were told a supervisor was not available but we would be called back. We have not been contacted but have been told several times that our problem was being reviewed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I notified The company prior to XX/XX/XXXX of this year of financial hardship and then afterwords on XX/XX/XXXX I let them know of my unemployment that began that time and opted to take the unemployment insurance and I paid for on my loan. They did not process the unemployment insurance paperwork correctly ; so I reached out to them using several different methods and finally filing a dispute with you just previously. They contacted me and seemed like they were finally correcting the situation however upon checking my credit score and report again they have not done so, or they have changed it and then went back and reported it as a delinquent account after the fact.

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 2021-07-26
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
So i got a loan through Care Credit to be able to do my XXXX and i wasnt able to make more than the minimun payments and unfortunately due to illness in family i got overwhelmed and didnt get to call on it to ask how this promotion worked i called today and Care Credit could not help me in any way. i asked if i could pay what was owed before the promotion expired since its only been 34 days after the date of expiration and the person said no. So what can i do to get some help because i just dont want to not pay it??

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 2021-07-26
Company: MARINER FINANCE, LLC
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: Account status incorrect

Complaint:
I appropriately notified the company prior to losing employment on XX/XX/XXXX of this year financial hardship and then afterwards when I requested to use the unemployment insurance that I paid for when I set up the loan with them and I sent all the appropriate paperwork as well. They continue to reach out to me and my family members and friends regarding payment on this account however the unemployment insurance was properly applied for and all of the appropriate paperwork was faxed to them for that to be put through and I had just recently notified your office of the same problem on a separate ticket and they had reached out and it seemed as if they were going to correct the situation on my credit report and did somewhat but when I checked again they have again reported this as a delinquent accounts it is showing up and ran and is showing as past due which it should not be as it shouldve been covered by the unemployment insurance I paid for from XXXX through now as Im still unemployed and I am also working with the governors office they have filed a XXXX claim for me as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: PA
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:
I, XXXX XXXX who is a natural person/ consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this problem on numerous occasions ; however nothing has been resolved! Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairness, impartiality, with a respect to the consumers right to privacy and accurately reporting information on my consumer report. Furthermore, pursuant 15 use 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instruction with the consumer in whom it relates! I XXXX XXXX AS THE CONSUMER HAS NEVER GIVEN ANY CONSENT FOR THE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT!! Their failure to follow reasonable procedures has damaged my credit worthiness, ruined my reputation, caused me to lose out on buying a home for my child which has caused us great stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE SOMEONE USING MY IDENTITY. AS I'M TRYING TO GET THAT TAKING CARE I DECIDED TO GET CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS A NUMEROUS LISTOF THINGS THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE. XXXX  XXXX {$3700.00} XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/21 I ordered a Doggy Seat Belt for advertised price of {$9.00}. This company processed the order for {$36.00} Item # XXXX. Then it processed an unauthorized order for {$9.00} # XXXX for a No-Pull Harness ( S ) + 1 Lease. I did not order a Harness or a Lease for {$9.00} that price was for a Doggy Seat Belt. 
That is the only item I authorized, a Doggy Seat Belt for {$9.00}. Now what is odd to me is that a No Pull Harness + 1 Lease for {$9.00} is so much lower in price for two items, ( of which I did not order nor did I receive ) than a Doggy Seat Belt for {$36.00} which is a Strap of about 2ft. with a latch that buckles to the seat belt clasp. That's it! I called the Bank of America the very next day and there was a complaint filed. They investigated, and denied my claim, and also mentioned my History on my bank account. ( This is discrimination ). If this is how they reached a decision on my case. I disputed the decision and they denied that, closing the case.

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 2016-10-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
I am having a problem with Synchrony Bank regarding a Chevron/ Texaco Credit Card . This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Synchrony Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter. Synchrony admits that they can not provide the contract and also says that they do not own this debt anymore as they have sold it to another company, yet they are reporting it the the credit bureaus. Synchrony Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. 
As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
Synchrony Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. I have also attached a copy of my credit report from XXXX XXXX, 2016. 
Synchrony bank can not provide validation of the debt, they admit they do not own the debt and they are violating Federal Law by not providing the credit bureaus with proper information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/21 I made a {$1900.00} withdrawal from my Coinbase account to my bank account. On XX/XX/21, this withdrawal posted to my bank account as expected. However, on XX/XX/21, I get an email that this withdrawal failed and a credit was posted to my Coinbase account. I did not realize that the XX/XX/21 withdrawal actually posted, so on XX/XX/21 I tried to withdraw again. Coinbase realized that there was an issue with ACH transfers on this day, and took the {$1900.00} credit back on the account, resulting in them selling some of my assets and leaving me with a negative USD balance. 

They then proceeded to lock my account, asking for me to pay back what I owe. They aren't telling me how much I owe, and they are keeping my assets for ransom. They are not responding to any of my customer service emails

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06
Company: FISERV INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Made a payment with webpay through XXXX XXXX. Fiserv  sent the money to an account at XXXX  XXXX XXXX which is not my account. {$1400.00} needs to be returned to my XXXX XXXX checking account. 

Electronic Trace Number XXXX File Trace Number XXXX Pay to XXXX at XXXX Payment Date XX/XX/XXXX Payment Amount {$1400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Payee Bank Account Number XXXX which is not mine I have been trying to retrieve these funds since XXXX of XXXX with hours of phone conversations and personal interviews with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and FiServ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
Due to the XXXX of my husband and his inability to work I requested to be placed in the hardship program. It was agreed that we would pay {$160.00} per month for four years at XXXX interest. Our statements continue to reveal 40 % interest being charged. After multiple phone calls to multiple departments and people it seems the system is stacked against the customer resolving the situation. Whoever takes the calls are never people authorized to make a decision. The hardship agreement was made in XX/XX/XXXX and to date we have received no phone calls, emails or written correspondence. We sent a certified letter to their XXXX office on XXXX XXXX. We checked the tracking on the letter and it revealed it was delivered on XXXX XXXX. So far no response. I called once again to their customer service department and they knew nothing. They were located outside of the US. The crux of the letter we sent informed them that we will no longer be making payments until this is resolved.

Company response to consumer: Closed with monetary relief