BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have submitted another request for this issue that was just closed without proper evidence under complaint XXXX. Again, KeyBank has failed to address that they continued to charge non-sufficient fund and return fees for an account that I closed in their branch. Note, I have had many discussions with KeyBank both in person at their branch, and via their call center in the XXXX. I am glad that KeyBank provided evidence of previous miscommunication with their XXXX center, resulting in a refund that they paid to me. I am not sure how or why this lack of communication continues to occur, but KeyBank has placed my name in XXXX for overdraft fees only, again sometimes charging as much as {$77.00} for a {$17.00} charge. My first question is specifically to the Consumer Financial Protection Bureau - is this legal? Is a company able to charge & XXXX for a {$17.00} return charge? Why, as a consumer, is KeyBank able to punish me for choosing to no longer do business with their bank and closing my account? As noted in my initial complaint, KeyBank has never paid a charge on my behalf, and my current balance with this organization is only from their service fees. My second question is for KeyBank - what responsibility do you take for not properly closing my account, as requested? Your response to my previous complaint was that you are taking no responsibility for your mistake, and continuing to assess overdraft charges for an account that was closed. In addition, how are you rectifying the situation with your call center? I am aware from speaking with your branch that many of your customers ( not only me ) have complained that your call center employees do not properly understand English, and I have a concern with how you are protecting my personal information when it is outsourced to another country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: DE
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  the following accounts, Account name : XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account number : 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 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 2021-02-25
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:
I don't know what else to do, I have disputed these with the credit agencies and the collection companies. The information below is inaccurate, false and unverifiable and needs to be removed off of my credit file. Please help XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : $ XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$330.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$870.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$450.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX - Duplication and unverifiableremove Balance : XXXX XXXX XXXX XXXX - Unknown and unverifiableI tried to verify and get no response Balance : XXXX XXXX XXXX XXXX - XXXX - says I owe {$220.00} but past due XXXX inaccurate and false and unverifiablebecause I have tried and got nowhereREMOVE Balance : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TD BANK US HOLDING COMPANY
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a new vehicle for $ {$23000.00} in XXXX, WV on XX/XX/XXXX. TD Auto sent me a Title to my car in their name and in the State of Virginia, NOT West Virginia and in my name as it should of been. They sent a Statement of No Interest to me dated XX/XX/XXXX where they stated in writing that " Our ownership was listed in error ''. TD Auto sent my financial institution a Lien Release/Termination Statement dated XX/XX/XXXX with the original Title ( Virginia Title ). I have called TD Auto numerous times to try to resolve this matter and have them fix the mistake they made in sending me the wrong Title to my car. They refuse to help me even though they admitted it was their error. I have been dealing with the Virginia DMV for several months trying to get the Title corrected but they want me to pay Sales Tax on the vehicle in Virginia when I already paid them in West Virginia when I bought my car. I have tried and tried to get TD Auto to correct their mistake and they refused every time I contacted them. I was told over and over again that they do not send Titles and can only send me a Statement of No Interest. If this was true how did they send me the original Title in their name then? TD Auto will not do ANYTHING to help me resolve THEIR mistake and issue me a new Title in my name. TD Auto has caused me so much anxiety over their actions. I need the Title to my car, I paid for it and I legally should have been given the correct Title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: General Motors Financial Company, Inc.
State: AZ
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 did not authorize these companies to pull my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: Experian Information Solutions 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:
Hello : I have contacted Experian Credit bureau regarding Identity theft in my account and have subsequently asked to remove all accounts that were not mine as well and any and all address that did not belong to me and provided them with a policy report and my current IDs to support my request. It took several letters to get some of the information removed but they have yet to update 1 account and have not removed the various variations of my name and various incorrect addresses that do not belong to me but that show up on my credit file. I have expressed to them that all this confusing information is probably what exposed my account to the risks of Identity theft to begin with. To date, i am still exchanging letters with them on the matter and they are still not budging. Can you help me ot get their attention to this very critical matter which is severely affecting me at this time? Can you help me remove all names and addresses that do not belong to me and this acct XXXX XXXX that they keep " updating ' with the same information which i dont know where they are getting it from since its in another country altogether? I have even been told that I have an email associated to my account that has nothing to do with me, probably residuals from the fraud which happened.

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 2016-03-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am the co signer to a student loan belonging to my daughter. Navient took over for XXXX XXXX. I am constantly getting calls while I 'm at work about payments that are late. Calls start at XXXX XXXX and go until XXXX XXXX. I get calls on my cell and land line. While I understand that payments have to be made, these past few times the payment WAS made!! My daughter has had to call to tell them they were made and she had a confirmation number. It is my understanding these types of calls are not to be made while XXXX is at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 disputed inquiries on my report that I am not aware of. XXXX was the only company to delete the fraudulent inquiries. XXXX and Transunion did not. These are causing me to be declined credit that I need. I wish for them to go back in and verify the information as required by law and have the inquiries removed.

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 2022-03-20
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MEDICAL REVENUE SERVICE d/b/a MEDICAL DATA SYSTEM INC. ( hereinafter MDS ) is in violation of 15 USC 1692, the Fair Debt Collection Practice Act ( hereinafter FDCPA ), for failing to comply with the following provisions : 1. MDS uses a trade name and not its true name in an attempt to collect alleged debt. 
2. MDS caused my phone to ring multiple times at inconvenient times and during times I was at my place of employment with the intent to harass. 
3. MDS never had my direct consent to communicate with me and did so via mail and phone 4. MDS multiple deceptive forms to deceive me, the consumer, into believing that I owed an alleged debt.

5. MDS used false character amounts in an attempt to collect an alleged debt. All four individual accounts requested I pay on a positive balance.

I received 2 communications from MDS on XX/XX/2022 requesting I pay an alleged debt that is allegedly owed to them on behalf of XXXX XXXX XXXX XXXX. I responded to MDS communications with notices that were sent on XX/XX/2022 and received on XX/XX/2022 via USPS in which MDS 's validation was due 5 days from receipt. MDS failed to meet the requirements of providing validation for me to see thus nullifying these false claims. MDS used my personal information to create 4 different accounts without my consent which is aggravated identity theft pursuant to 18 USC 1028A. I have never done business with MDS nor do I have a contract to do business with MDS ; therefore, I DENY BEING LEGALLY OBLIGATED TO PAY ANY AND ALL ALLEGED DEBT TO MDS AND I DO NOT CONSENT TO CONTRACT. MDS is now civilly liable to me under 15 USC 1692k.

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 2015-07-15
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XX/XX/XXXX, in a good-faith effort to repay a private loan at XXXX XXXX, I scheduled XXXX individual payments of the minimum ( {$87.00} ) to coincide with my pay-days so I knew I would be able to cover them when they came out of my bank account. Around the same time that XXXX XXXX switched private loans over to the newly-branded " Navient, '' they started reporting my loan " past-due '' to the credit bureaus. My scheduled payments were set up to pay my minimum balance through XX/XX/XXXX. 

XX/XX/XXXX, I received notice from Navient claiming that I missed XXXX payments and my loan would be defaulted upon if I did not pay {$1500.00}. I have called Navient and been bullied and abused by a supervisor their collections department. He would not offer me any forbearance or repayment programs, and insisted the only way for me to avoid default was to pay the full balance due immediately. I did not and do not have {$1500.00} to pay Navient ( or anyone else for that matter ). I explained to him that I never should have been reported delinquent in the first place because I had automatic payments set up to withdraw the minimum due on my account for XXXX months when Navient started reporting me delinquent. He continued the abuse and refused to help me. 

I called back and spoke to the agent assigned to my case ( XXXX XXXX ) and he was more helpful, listening to me when I explained that I should never have been reported delinquent in the first place. He agreed that Navient made mistakes and should not have reported me delinquent while I was in the fifteen-month program but claimed he could not rectify that himself. He offered me the option of paying {$32.00} to " roll-back '' my account to " avoid default '' or to pay {$120.00} minimum ( a " 1 % interest rate reduction '' ) on a XXXX month payment plan to bring the account back to good standing after XXXX months of on-time payments. 

Navient refuses to accept a payment from me that I can afford. I made a good-faith effort to make my payments and set up recurring monthly payments with them for fifteen months and still they reported me delinquent before that program ran out. I want to set up payments I can afford. I have {$160000.00} of student loan debt and I can not afford the minimum monthly payment of {$120.00} they offered me and they refuse to offer me anything I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 just reviewed my credit report and noticed errors on my file

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 2020-03-11
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am filing this complaint because Simple Bank disapproved my application for a new checking account at their bank. According to their webpages, the " Simple Checking Account '' was a prerequisite to opening a Protected Goals Account which paid market-rate interest and also paid a {$400.00} sign-up bonus. 

I can not image why I was refused a checking account except they looked at my application and said oh no he is too old. I am XXXX years old. I dont think that is a valid reason and is, in fact, illegal to discriminate based on a persons age. 

Below is what they said and I have also attached the actual email in a print-to-pdf file. 

I believe an FDIC insured bank has the responsibility to tell you why you are not being approved. They are not telling me for security reasons yea, their security to avoid a lawsuit for age discrimination. They didnt even give me a telephone number to call or an email address to inquire about why I was not approved ( see email ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, Were sorry to let you know that your Simple application was not approved. For security purposes, we cant tell you the specific reason. 

Thanks for your interest, and we wish you all the best. 

The Team at Simple

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was originally with CountryWide and when they went into bankrucpty,, Bank of America took over. They sent me a mortgage payment statement to start paying a mortgage. I went to another bank in XXXX to refinance to a lower rate, because my payments were too high and found out that I could no refine, due to a lien on the property. I went to Boa, met with a mtg VP and he said he was one of the persons who wrote up the new mortgages and I asked how they arrived at a high mtg like that. He told me I needed to file a claim. He said he was calling the claims dept, to no avail. He gave me the phone # for claims and when I called, no one answered and I lost my application fee with the bank I was refinancing with, because boa would not communicate with them. Because of Covid, I was unable to get help. I went to the XXXX XXXX Fl recording dept and they told me I would need to have legal interaction, because it had to go through the court. I contacted the Bar and they referred an attorney who I had to pay to get it done, so that I could refinance. I lost all of that money from XXXX until XXXX, when I could not refinance due to their negligence with getting the previous Countrywide title cleared.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit bureau is reporting a public record ( Bankruptcy ) that is inaccurate. After disputing this credit bureau reported that it is a valid item and will not be deleted. This company uses XXXX as a third-party provider, therefore they have not verified the information with the actual court. XXXX just like any other bureau is bound to report incorrect information. 

Furthermore, XXXX which is a third-party data provider for this credit bureau reports on public records , however when I asked XXXX how they verify protected public information on public records due to ss # redaction and certain sensitive personal information that is redacted they advised me that they sometimes try to match information by name or address which can be incorrect at times. So this information is not fully verifiable unless the credit bureau calls the bankruptcy court to verify, which again the court will redact information and is not allowed to share " personal information, such as socials by law ''. 

I attempted to fix this by calling the bankruptcy court listed on the public record " XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX '' and was advised that they do not report to any credit bureau and therefore they can't fix any error reported by XXXX, XXXX, XXXX, and or TransUnion.

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 2022-07-15
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
I am currently awaiting a loan modification and as of XX/XX/2022 my credit report shows Im 120 days late on my mortgage payment, when Im fact Ive been told by company representatives not to make any payments until the modification has been completed. Also my loan is now with a different servicing company effective as of XXXX XXXX. I have sent proof to Mr.Cooper. This has affected my credit report by dropping my score XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Payment for transaction XXXX / {$100.00} for bitcoin was made on theXX/XX/XXXX/17 and it still sitting in pending. I have tried to contact and email support on multiple occasions and received no response. Coinbase case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged several charges from the same vendor within minutes for thousand of dollars. I let the credit card company know right away. They suggested I wait till I get my statement and then call and dispute. I did so and they have a me a conditional credit. They later on sent me a letter stating they could reverse the credit unless I reach out to the vendor and seek credit. I did so the vendor said the charges were canceled. I sent the information to the credit cared company with the name of the vendor agent and ID number. 
The credit company waited for yet some weeks and informed me that the vendor did not issue credit. The credit card company told me that there was a third party involved we are in they should be contacted in seeking credit I asked him if we could reach out to the third-party. The credit card company and myself tried to reach the third-party and after a couple hours after failing gave up and the credit card company asked me to seek credit from the third-party even though we could not reach them over the phone. I tried and tried and finally was able to reach an agent through a chat live chat from the website the third-party company looked into my account and said I should not have been charged and I should go back to the financial institution or my credit card company and get credit I recorded and took pictures of all all the chats and send it to my credit card company I have called my credit card company several times and they said it the charges have been reversed and that I would still be responsible. I told my credit card company I have not authorized charged or used for services that have been charged on my account for which I do not take responsibility and do not agree to pay these they said youre gon na have to fight for it but without any directions or anything else from them I spent a lot of time calling credit card company Several times writing letters and contacting merchants and doing as they suggested they do not have any other directions for me and I still yet not willing to give me credit for something I did not charge so I see Help

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