BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-22
Company: TCF NATIONAL BANK
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Gateway One Financial - Sent a field agent to my home on XX/XX/XXXX while my account was XXXX XXXX along with placing calls to my place of employment after the advisement of no calls we to made to this location. Communication outlining these complaints were sent to Gateway One Financial XXXX/XXXX/XXXX and as of XXXX XXXX, XXXX there have been no response, just calls to numbers that have been advised as a DO NOT CALL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: Account information incorrect

Complaint:
My initial contact with Experian and XXXX was on XX/XX/2022 when I sent a letter to both companies via certified mail that was delivered on XXXX and XX/XX/2022. After reviewing my credit report I noticed that an account from XXXX XXXX XXXX was reporting inaccurate information for alittle over a year and requested that the account be removed from my credit report. Experian and XXXX sent me results of the investigation and stated the information was accurate however it is not and I can prove it in court that the information is not accurate. I have reached out to XXXX XXXX  on three separate occasions requesting that they remove the account from my credit reports. To date XXXX XXXX XXXX is still reporting in accurate information to my credit reports. No it is not my responsibility to tell a company what or how to report to the credit bureaus. The FCRA states that a company is not to report inaccurate, outdated, or invalidated accounts on a consumer 's credit file. It also states that its the credit bureaus responsibility to ensure that all information contained within a consumers ' credit file is accurate and free from errors. All three companies have failed to do this Experian, XXXXXXXX XXXX and 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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

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 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
The below compliant has also been registered with the XXXX and NYSDFS. 
I am currently a Platinum Rewards member with BofA and I had the unfortunate experience of having to open an estate account for my deceased father last year. 
When I opened the account last year I was told that I would not be charged a monthly maintenance fee for the account as I was a Platinum Member. Recently I looked at the account and noticed that I had been charged a fee the last few months. I went into a branch and they informed me to contact customer service. 
Customer service refunded the fees, but informed me the only way to avoid the fees in the future is to add money to the account. When I informed them that legally I could not do that unless they were Estate Monies they were confused. The argument BOA makes is that I am not the owner of the account and thus not entitled to the platinum benefit. 
Figuring in person might be better I made an appointment to see the branch manager at the XXXX XXXXXXXX XXXX XXXX XXXX branch in XXXX. During our conversation she also suggested that I add more monies to the account and when I told her that was against the law she seemed confused and backpedaled Furthermore, when I told her it's hard to predict when checks would be coming in she did offer me the option of visiting the branch every month to waive the fees with the caveat that she could not guarantee how long she could continue to waive them. 
After all of this I emailed the Executive Relations team via the CEO 's office on XX/XX/09. They seemed surprised at how poorly trained the agents were in dealing with estate designations and informed me that is possibly because they don't have an actual estate account product only designations. This seems like an area of possible compliance enforcement against BOA. They were unable to resolve my fee issue and state that they would provide " Feedback '' regarding the compliance issue. 

I find this quite unacceptable as first, I find it quite alarming about how poorly trained the staff is about Estate Accounts. It is utterly unacceptable for any bank staff to be suggesting that I co-mingle monies. If I followed that advice it could put me at risk of violating the law as Estate Administrator. Second, being promised a fee waiver and then suddenly having a bank profit off my father 's passing is very unsettling. Finally, there fact that this is considered a personal account with an estate designation makes no sense as it's not a personal account it's property of an entity with it's own EIN.

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 2017-03-29
Company: Arbor Residential Mortgage LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seneca Mortgage only provided service to 33 % of our property for the first year we were with them, including failed to pay ( but collected ) county property taxes from escrow. We did not know this until our county sent us a late bill and fine for failure to pay property taxes on XXXX of the XXXX lots that Seneca was supposedly serving. We notified Seneca and the issue was not resolved for over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: KEYCORP
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I relocated in XX/XX/2014 and found there are no Key Bank branches in XXXX. Shortly after that I saw online that my checking account was being overdrafted due to interest charges and late fees on my overdraft line that caused the overdraft line to be over limit. I called the customer service line and told them I had not been receiving statements. I had multiple contacts with them during which I asked for statements, advised of my new address and requested to close my accounts they failed to update my address and refused to close the accounts. I received letters stating I owe and get calls while I 'm at work but still do n't receive statements ( even though I was promised that I would ). The letters are sent to my former address so they have n't even updated that. I also asked about how I can make payments and some representatives have allowed me to make payments via phone while others tell me this option is not available. I feel the conflicting information is a means of deceiving me and preventing me from paying so that they can continue to assess late fees. 
Finally in XX/XX/2014 I was directed to call my old branch in Indiana ( why had n't the numerous previous representatives I had spoken with advised me about this? ) and they were able to assist with closing the checking account. I called back to customer service and explained I had difficulty paying the account and asked if there was any way to work out an arrangement for monthly payments and no interest. I was told that this could be done but it was n't and the overdraft line kept accruing interest and late fees but Key Bank still was n't providing billing statements. 
In short, I have notified Key Bank of my address multiple times but they have failed to update it. I have requested billing statements but they refuse to provide it. I 've been lied to about acceptable methods of payments, how interest will be accrued, and that statements would be sent. Key Bank has refused to work with me despite my explaining I 'm willing to make regular payments. 
Perhaps the most disturbing thing is that they charged overdraft fees on my checking account due to late fees and interest that they assessed on my overdraft line even though they failed to provide statements for that account. This is an unfair and predatory practice. It is essentially a double jeopardy with the bank unfairly penalizing me for a situation that they created with their own negligence in failing to properly update their records upon notification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello My Name is XXXX XXXX social XXXX. Fifth third bank cloaed my account in 2016 and reported me to XXXX XXXX XXXX. Due to Covid 19 and and begging the institution to finally remove me from XXXX XXXX so I can open a account for my stimulas money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$18000.00}.

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 2020-04-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Not my items

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 2017-02-09
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Procollect has again sent a letter to our house regarding our son 's debt issue. They have been notified repeatedly that our son does not live with us. Yet, a letter arrived today again. A complaint was previously filed with your agency about this same account. In the letter that I now have in hand, Procollect is offering a settlement of 50 % of the debt and deletion of the issue from my credit report. The previous case I filed with you dealt with the fact that Procollect put this debt on MY credit report rather than my son 's. If this is on my credit report again, I will take additional steps against them, but I do not know if it is on my credit report now or not.

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 2015-05-28
Company: Residential Credit Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Residential Credit Solution ( RCS ), a mortgage servicer, placed forced-placed insurance on my property. I do not have a mortgage or loan with this company ; they have no standing to place any type of insurance on my property. The rule on Force-Placed Hazard Insurance became a final rule effective XXXX XXXX, XXXX ( H.R.4173, the Wall Street reform bill entitled, " Dodd-Frank Wall Street Reform and Consumer Protection Act '' ). Section 1024.37 entitled " Forced-Placed Insurance '' - prohibit a servicer from purchasing force-placed insurance if the escrow account contains insufficient funds to pay for the borrower 's hazard insurance. RCS sent me a letter dated XXXX XXXX, XXXX with a copy of the evidence of insurance stating coverage begins XX/XX/XXXX. None of the forced-placed requirements were followed. Again, I state, RCS has no standing, I have no mortgage or loan with this company. My original lender was XXXX XXXX XXXX XXXX and I have a Release of Lien filed in the XXXX County Clerk 's office dated XXXX XXXX, XXXX. XXXX has caused fraud of title, fraud of credit, and fraud of trespass of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$18000.00}.

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 2022-04-14
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:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
US Bank continues to honor fraudulent money orders and will not close our business account. Our office was broken into twice, checks and money orders were stolen, the money orders were already cashed using US Banks product Single Point Scanning system where checks and money orders are scanned into their system rather than doing a manual deposit at a local bank. I have written US Bank a XXXX page letter asking them to stop honoring the fraudulent money orders and they tell me that they have to continue to honor them because they are US Postal money orders which requires them to honor the money orders even though they know they are fraudulent. There have been XXXX arrests in this case due to my due diligence in investigating the break in and finding the suspects. I am working with our local postal inspector, and Sheriff Department as well as local police. One of the suspects was arrested in XXXX, and I have been asked to appear in XXXX in XXXX to give a victim statement at the sentencing hearing. The other XXXX suspects court appearances are being scheduled and I am required to be present there as well. I will be happy to send you all the documents related to this fraud case, including the letter I wrote to US Bank and the response I got from US Bank. I was told by my US Bank representative that this was unprecedented and that the bank does not know how to handle this issue, so they decided to fall back on normal bank rules and regulations rather than work to correct this issue. My insurance company is completely stumped and can not understand why a bank would continue to honor what they know are fraudulent money orders and are considering not paying the claim because there is a continuous stream of money orders coming in weekly. US Bank told me that once the account is 30 days past due they will close the account and no more would be honored, so I thought it was over and my insurance company would then pay the claim, but without warning US Bank took money out of our other account to balance out and continue to honor the fraudulent money orders. So now I am back to square one, watching the money stack up and I ca n't do anything about it, my insurance company has hired an independent investigator to look into this issue and the bank is being uncooperative with him, he just wants to find out why and maybe the insurance company will then honor the claim. This is a very long and painful problem and I do n't know what to do at this point. If the bank wo n't give me the money back, and the insurance company ca n't pay because of the bank 's actions I may have to close my business because there is no way I can pay $ XXXX back. I need 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 2020-04-01
Company: LendKey Technologies, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2020 I was conditionally approved for a student loan refinance by LendKey. 

The Application Summary on their webpage quoted me a rate of 1.9 %, reduced to 1.65 % with an Auto-Pay discount. However, the Loan Disclosure that I was prompted to sign indicated that the 1.9 % rate included the auto-pay discount, and the rate would be increased by 0.25 % if I did not use auto-pay. 

On XX/XX/2020 I notified LendKey of the discrepancy between what they surfaced to me in the web portal and what they were hiding in the fine print, and on XX/XX/2020, they responded to me by email that 1.65 % with auto-pay was the correct rate. 

When I followed up with the customer care team by telephone on XX/XX/2020, they indicated that the correct rate is 1.9 % with auto-pay, contradicting their web portal and the email response that they sent me days earlier. 

I believe that these lending tactics are deceptive, intended to bait-and-switch borrowers by quoting an incorrect rate, and then getting them to sign documents that do not match the rate that they were quoted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: CCB Credit Serivces, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH NOR HAVE RECEIVED SERVICES FROM, REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$6000.00} WITH XXXX, XXXX, & XXXX  CREDIT REPORTING AGENCIES. I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDED ADEQUATE PROOF. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOODS OR SERVICES THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROO. I AM NOT OLBIGATED TO PAY FOR THE ALLEGED DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express Blue Cash Everyday marketed a 3 % cashback offer on US Supermarkets. I signed up for that here in XXXX, Hawaii. In getting my statement I noticed my Supermarket purchases were not accruing 3 % cashback. I called AmEx to ask why and have been told by multiple people in various customer service departments that their managers said our Hawaii supermarket is NOT a US Supermarket! I stated multiple times that Hawaii is the 50th State of the USA and therefore Hawaii markets are US businesses, but same response. I noted my AmEx statement itself describes the store as a " Grocery Store, '' but they insist it 's not a US Supermarket. AmEx should NOT be marketing to Hawaii businesses if AmEx will not recognize Hawaii as a State. 
In addition, since I was signing up for the AmEx Blue card and their flyer said I could transfer a balance and pay it off interest free I did so. But only upon receiving this XXXX 2015 statement do I find they charged me a transfer fee. Their marketing stresses this free balance transfer option and does not clearly state they will apply a 3 % fee which fees misleading to me. And since the balance transfer only showed up on my XXXX 2015 statement I 'm being told it 's too late to cancel the transfer and they wo n't address the transfer fee. If they were clear about the 3 % fee I would n't have used them in the first place as my other cards offer me transfer checks I could use that do n't include a transfer fee and would n't charge me interest either for 18 months or so. If AmEx was clear in their marketing I would n't have used them for this transfer! 
So I was enticed to move to AmEx for 3 % cash back at grocery stores only to find Hawaii does n't seem to count, and it 's now too late to address the balance transfer fee so AmEx gets to take over {$200.00} from me in transfer fees.

Company response to consumer: Closed with explanation