BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-04
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed my  Keybank che cking account around   XXXX   XXXX   XXXX  . Almost  two yea rs later around,   XXXX   XXXX   XXXX  , I get an overdraft notice from them. Evidently after my account was closed, it was forced open when an  XXXX  autopayment went to that bank in error. I had told my  XXXX  agent I was changing banks. i set up autopayment through my new bank. Evidently,  XXXX  insurance in error withdrew my payment from both  Keybank  and   XXXX   XXXX   for almost  two yea rs and did not find the error until they looked into it.  XXXX  gave me a check for the amount withdrawn from the  2nd  bank which I repaid to  Keybank. T hey still want extensive overdraft and late fees and never notified me of this until the relvolving credit line that was associated with the account reached its maximum ( no letter in the almost  two yea r period to notify me this was happening ). Now  Keybank  tells me   XXXX   XXXX   is responsible for the bank fees assessed over that time frame.  First Keybank said  they would go after  XXXX  for those fees. Now they say it is my responsibility to go after  XXXX . I have no idea who to contact for this matter. I prefer not to work through my  XXXX  agent and deal directly with the correct department.   I do n't know what to do now and have been harassed by debt collection calls from  Keybank th roughout this time frame. I just do n't have a lot of extra time to deal with this working full time til almost the time the bank closes each day. I owe the bank around {$1800.00} per them minus the insurance check I gave them on the cash reserve credit account portion as of  XXXX  and {$79.00} on the checking account portion.  Keybank  account  XXXX . The  XXXX  premium was a life insurance policy. Can you tell me, should  XXXX  pay these fees ( since it was their error that caused all this )? I think it is a bad practice that bank accounts can be caused to reopen once they are closed out ( I had no idea this could happen  ). The  bank account is frozen but still assessing late fees from my knowledge. Any copies you need will need to be forwarded by mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Other

Complaint:
i paid a company XXXX on XXXX and XXXX on XXXX with my slate visa card.the merchant name was ap industries which was also operating as XXXX.when i realized i had been defrauded i contacted my slate visa card to dispute the transactions and was told it was to late.my slate visa would not even consider helping me.i repeatedly told them i received no services at all.there must be something that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card
Issue: Advertising and marketing

Complaint:
When booking a flight on Southwest Airlines an offer was available to open a Chase Southwest Rapid Rewards credit card to purchase the tickets. It showed the amount of my ticket purchase and said I would receive a {$200.00} credit on my first statement. I opened the credit card and purchased the tickets. When I received my statement it showed the amount of my ticket purchase and the {$200.00} credit BUT it also had a {$99.00} Annual Membership Fee. The Annual Membership Fee was not disclosed transparently in the information first seen by me the consumer. I was told by a manager named XXXX at Chase that the Annual Membership fee is disclosed later ( obviously in the fine print disclosure ). I am disappointed that Chase is not following the transparency regulation and is sticking the annual fee to customers on the back end instead of showing it in the enticing advertising when consumers are booking/purchasing airline tickets. I want to be credited for the {$99.00} annual membership fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: SUNRISE CREDIT SERVICES, INC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company on  XXXX     2017 after a collection letter was mailed to my mailing add ress, they told me that amount that I owed for  XXXX   XXXX   XXXX  even thought I knew that the amount was less that they were telling me, I was on fear to this collection to be reported to my credit reports ( Which they reported anyways ) after I saw the collection on my credit report I called them and made an verbal agreement to Pay To Delete after the debt is paid off and I agreed for a monthly payment of {$94.00} on  XXXX / XXXX  /2017 a  first payment was taken on that day and 3 days later they took the other amount without warning on  XXXX / XXXX /   2017,  I called them back and they said that the agreement was on the first of each month so they took the money, since I want this account out of my credit report I agreed to the first of each month to the amount of {$94.00}, today  XXXX / XXXX /   2017 th is compa ny without warning took the amount of {$180.00} causing my account to go to negative state and results of NFS charges I called them and I was told that was in the agreement and to fax copy of my bank statement to them which I did. The represe ntative was very nice but refuse to listen to my problem. I was never told by phone that I have the right to dispute this debt but as a citizen I paid anyways to avoid annoying phone calls.

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 2015-10-12
Company: Mid-Atlantic Consumer Services
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mi-Atlantic Consumer Services keeps contacting me and family members to collect debt on which I have paid already. They have threatened to contact my human resource department as well. Even when I talked to them on the phone and told them I do not feel comfortable sharing information over the phone, they seemed to get mad at me. I even double checked my credit to make sure this was not on my credit and that I indeed paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: American Financial Resources, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We are a title company. We deal with many lenders. The Buyers chose XXXX XXXX Mortgage as their lender. This was a FHA loan so XXXX uses AFR XXXX American Financial Resources XXXX to service the loan. We had a closing date established for over XXXX weeks, but AFR could n't close and did not tell us until day of. Buyers had to rearrange their work schedules. Attempted to close a week after and on date of closing, AFR took issue with our Deed. The Deed language was legal and correct ( we are also a law firm XXXX but they refused to allow our closing attorney to speak with underwriting to discuss the issue. This went on for 3 days and delayed closing due to the loan processsors refusing to provide contact information for a manager or an attorney in underwriting. Our closing attorney finally looked up their website and found a number for the VP and spoke to him. This was after we already were suppose to close. VP instructed the processors to provide contact information and the issue was then resolved. Also, AFR kept changing their figures on the HUD and refused to approve it. Even attempted to add their own origination fee, which they can not because original lender XXXX XXXX XXXX XXXX was only XXXX allowed. XXXX XXXX and AFR went back and forth for almost a day until finally AFR changed the wording of that particular fee. Mind you, XXXX already sent the loan documents and it closed but this was 2 days later they said they were not approving the HUD yet! XXXX XXXX demanded they keep the closing date so Buyers did n't have to redo the loan. So for almost 3 days I went back and forth with AFR on figures, XXXX of which was XXXX cents they were changing, which changed the entire HUD!! XXXX XXXX tried to resolve the figures with AFR through numerous email exchanges but XXXX was funding so ultimately it was up to them to approve. Finally, on almost day XXXX, they approved the HUD a full TWO DAYS AFTER CLOSING. I almost missed payoffs and other figures that were date-sensitive on the HUD on our end for Seller. AFR refused to work with us, refused to communicate with us and only did so when their own VP stepped in. XXXX XXXX stated they have this issue with them a lot on FHA loans. Not sure why they still use them, but we had a XXXX closing lined-up right after this XXXX that we terminated due to AFR servicing it. We lost almost 3 days worth of billable hours, not to mention delayed closing by a week to begin with, due to AFR. We will NEVER work with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, at XXXX XXXX I called Equifax to speak with a representative about a paid off collection that appeared on my report. The representative hung up in my face without allowing me to speak with anyone else. In addition, they claimed to not be able to verify my identity when multiple times I have verified via their identity system. Its upsetting as I am in the process of buying a house. The staff rudely hung up in my face. The credit bureau is reporting paid off balances & collections that were never in collections. I am frustrated as I have never received a follow up call from the bureau or anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Solomon and Solomon, P.C.
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am not responsible for this account as it was fraudulently opened in my name by my roommate without my knowledge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CENTCREDSERV reported that I owe   XXXX   different medical bills   XXXX    for {$77.00} and another for {$79.00}. I spoke with them and gave them my information and they realized this incorrect and they had reported it on my credit wrongly. They said then I have to call their   XXXX   branch to resolve this even thou the number on the credit report was the one I called to get them not their branch in  XXXX . The number they gave me was  XXXX  and every time I call it keeps saying, " due to high call volume we can not answer your call. Please leave a message and we will call you back ''. I have left now 6 messages over the last 3 days and no call backs. the number they gave me just keeps saying the same thing. I called back CENTCREDSERV and told them that the number they gave me is no good and their reply was " keep trying '' I told them why should I keep trying that number when the contact number on my credit report shows this one I am talking to you on now? they would not answer and just kept pointing me to the other number. They will not 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 explanation
Consumer complaint received 2015-10-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
Chase upped our interest rate to 27.9 %. Despite calls to several people and despite many years as a customer and despite the current market interest rates, they refuse to lower the rate. We have had several times where we were late but we have always paid the minimum payment and many times more that the minimum balance. This interest rate is predatory for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
TO WHOM IT MAY CONCERN XXXX AND XXXX XXXX WHO LIVES AT XXXX XXXX XXXX XXXX XXXX PA XXXX FELL ON HARDSHIP WITH OCWEN FEDERAL BANK IN 2010 WE WERE ONLY THREE MONTHS BEHIND WHEN WE CONTACTED OCWEN FEDERAL BANK TO HELP US CATCH UP ON OUR MORTGAGE. THEY SAID THAT WE WAS ELIGIBLE FOR IN HOUSR MODIFICATION LOAN WE FELL ON HARDSHIP BECAUSE THE CO SIGNER OF THE LOAN XXXX XXXX XXXX HAD PASSED AWAY AND XXXX XXXX XXXX AND LOST HIS JOB AND XXXX XXXX HAD XXXX SURGICAL PROCEDURES DONE ON HER. WHEN WE FILED FOR THE MODIFICATION LOAN, WE WERE DENIED BECAUSE THEY SAID THE INVESTORS DOES N'T DO MODIFICATION LOAN, AND THEY STOP TAKING MONEY FROM US FOR THE MORTGAGE.WE REQUEST FOR ANY INFORMATION ABOUT THE INVESTORS THAT IS HOLDIN On THE LOAN THEY SENT US A WRITTEN PAPER SAYING THAT ITS US BANK WE WROTE TO US BANK AND THEY TOLD US THAT IT WAS UP TO OCWEN TO GIVE US THE MODIFICATION LOAN. NOW THAT WE ARE 5 YEARS BEHIND NOW, AND OUR INTEREST RATE IS 13.5 % WE FILED FOR BANKRUPTCY A COUPLE OF TIMES AND THE MONEY THAT WAS PUT ON THERE, WAS SUPPOSED TO GO TO THE MORTGAGE AND THE TRUSTEES. WE ARE LIVING IN THIS HOME FOR 15 YEARS. AND I ASK THEM FOR A WRITTEN BREAKDOWN OF HOW MUCH WENT TO MY LOAN, THEY TOLD ME XXXX $ WENT TO THE LOAN AND XXXX $ WENT TO THE PRINCIPAL AND THE INTEREST RATE KEEPS GOING UP. THE LOAN THAT XXXX XXXX XXXX TOOK OUT WAS ONLY XXXX . NOW BEINGS THOUGH THAT THEY WAITED FOR US TO GET FAR BEHIND WE ARE NOW WORKING WITH A HOUSING COUNSEL AT THE XXXX HOUSE. HER NAME IS XXXX WE APPLIED FOR SEVERAL MODIFICATION LOANS AND THEY KEEP SAYING THEY CAN REFER US TO OTHER PROGRAMS THAT MIGHT HELP US TO BRING OUR LOAN CURRENT, AND THEY ALSO TOLD US TO PROBATE THE ESTATE AND WE COULD ASSUME THE LOAN. THEY HAVE NOT LET US YET TO ASSUME THE LOAN AND THEY WILL NOT GIVE US A MODIFICATION LOAN, NOW WE TRY TO APPLY FOR A HEMAP LOAN. THEY PUT OUR HOUSE UP FOR SHERIFF SALE 3 OR 4 TIMES AND THEN CANCEL THE SHERIFF SALE. EVERYTIME THEY DOES THIS IT COST US {$8500.00} NOW ITS GOING UP FOR SHERIFF SALE FORECLOSURE FOR XXXX XXXX. THEY GAVE US A RELATIONSHIP MANAGER TO SPEAK WITH AND HIS NAME IS XXXX WE ARE REALLY TRYING TO SAVE OUR HOME, AND HE SEND OUT ANOTHER MODIFICATION PACKAGE TO FILL OUT. NOW SINCE THEY WILL NOT HELP US WE HAVE AN OUTSTANDING BILL THEY SAY FOR {$86000.00} HALF OF THAT IS FORECLOSE COSTS ATTORNEY COSTS, AND I DONT THINK THAT ITS FAIR THAT WE CAN NOT GET A MODIFICATION LOAN WHEN US BANK AND OCWEN BANK DOES MODIFICATION LOAN THEY NEVER TOLD ME WHO THE INVESTORS ARE. WE SPOKE WITH THEIR ATTORNEY AND HER NAME XXXX XXXX AND SHE SAID ITS UP TO OCWEN TO GIVE US A MODIFICATION LOAN.WE NEVER HAD A MODIFICATION LOAN BEFORE. AND WE ARE ASKIN CAN YOU PLEASE HELP US WITH THIS MATTER SO WE CAN STAY IN OUR HOME. THANK YOU XXXX AND XXXX XXXX IF YOU HAVE ANY QUESTIONS YOU CAN CONTACT US AT XXXX XXXX XXXX THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
On   X/X/ 2017 I  want to continue to move forward with clearing up my debt.      Midland Debt collection Agency, has no t provided me with adequate information regarding this debt but I presumed it could be true being that  My  then company was financially damage from the government fourloughs which trickled down to many of their employees including myself and lasted a long while.     After being transferred I reach a desk of a man who proclaims he is my account manager, and that this debt is mine, even after me requesting that he send information regarding this allegation for this particular account, he refused. Then began to use tactics to force me to pay right on that day a lump sum of around {$830.00} or high payment plan option. After attempting to negotiate I asked him to note the account and I wanted to speak to someone else, he would not allow me to. He proceeded to threaten me with this  First  before any of that happened, okay you were transferred and it shows here this amount for this debt and you 're in pre legal status and that even if I agreed to payments that The creditor may still sue me and I would have to pay all the court fees for a debt that 's only worth {$1000.00}. I did some rights digging and requesting a free annual credit report.     I am sending a letter to Midland requesting validation and of options, by   XXXX  2017.     I feel bullied, Pressured and optionless. The verbally abusive representative name is  XXXX   XXXX , so he says and the lady who transferred me to him name is  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There have been several credit disputes filed within  XXXX ,  XXXX ,  XXXX  as well as direct t o Portfolio Recovery Associates.  On  XXXX   XXXX  &  XXXX  ( via certified mail ) I have requested an Original Signed Consumer Contract required by Sectio n 609  of the FAIR CREDIT REPORTING ACT,  Portfolio Recovery Associates faile d to provide me valid proof. I also requested proof to be sent o f Portfolio Recovery License  to collect debts they failed to comply with request. Due to  Portfolio Recovery Associates fa ilure to comply on  XXXX   XXXX  , 2017 an  " GENERAL AFFIDAVIT '' was sent certified mail to be placed as record see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Car purchases  XX/XX/XXXX  Loan thru  Fifth T  hird Ba nk - GAP Coverage purchased All payment mad e one time - 2 mon ths pre-paid  XXXX   XXXX ,  XXXX  - car was totaled Around the end of  XXXX  or  XXXX   XXXX  - Bank call and told me to protect my credit I had to make another car payment as the GAP coverage had not been paid and the money would be refunded once claim was settled. {$340.00} was sent and received by them and posted on  XXXX   XXXX .   GAP payment was made  XXXX / XXXX / XXXX  Bank has returned {$68.00} on  XXXX / XXXX / XXXX  & {$160.00} on  XXXX / XXXX / XXXX  after much communication and a complaint filed to the Oh io Better Business Bureau!    The {$110.00} balance I 've been told by GAP is UNEARNED INTEREST which by definition ( DEFINITION of 'Unearned Interest '. Interest that has been collected on a loan by a lending institution but has not yet been counted as income ( or earnings ). Instead, it is initially recorded as a liability. If the loan is paid off early, the unearned interest portion must be returned to the borrower. ) should be returned to me. The bank is refusing to refund this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX, illegally repossessed XXXX. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the XXXX was already sold over my contract balance satisfying amount and refund due to me. XXXXl XXXX refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations

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 2016-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I received a call from the debt collection agency Portfolio Recovery Associates to my secondary cell phone number XXXX at XXXX pm. I enformed the debt collection agent that I do not want my phone call recorded and to please do not contact me at all. The debt collector was persistent in getting me to confirm my name and address, so I gave the debt collection agent my Directing Attorneys XXXX of XXXX Law Firm 's contact information. The debt is from a old XX/XX/XXXX credit card that has long expired the statute of limitations to collect upon after 7 to 10 years and by law the debt is forgiven and can not be re-aged by the the laws Passed In the FDCPA Fair Debt Collection Practices Act of 1970.This debt does not currently reflect on my credit report nor do I claim any responsibility for this debt. I want this complaint to be reviewed and please contact the debt collector and have them review the FDCPA. Any further attempts from this collect will result in legal action due to harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: FC HoldCo LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am trying to set up a payment arrangement with Flagship Credit Acceptance regarding my car loan. I informed them that I only get paid on the XXXX of every month and was informed that I could change my due date but they would not do so. Also, my house was in the process of foreclosure so I had to resolve that issue which I did before I could move forward with paying my car loan. The representative threatened me and asked where the vehicle was so they can come to my house and take it since I 'm not responsible. The representative hung up every time I tried calling her back and sent me threatening e-mails as well. I am able to pay the full balance on XXXX XXXX to resolve this matter but no one is calling me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation