BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-01
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the second year in a row my mortgage holder, KeyBank, has failed to make my home owner 's insurance payment via the escrow withholdings in a timely manner. My home owner 's policy runs from XX/XX/XXXX to XX/XX/XXXX with the payment due annually on XX/XX/XXXX. Last year for period covering XXXX, Key Bank did not make the payment until XX/XX/XXXX yet took the funds from the escrow account on the due date of XX/XX/XXXX. This year for the period covering XX/XX/XXXX-XX/XX/XXXX Key Bank has yet to make the payment as of XX/XX/XXXX even though they took the funds from the escrow account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Convergent Resources, Inc.
State: TX
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 am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Convergent Outsourcing and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.

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 2019-08-06
Company: JPMORGAN CHASE & CO.
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:
XX/XX/2019- I was notified through my credit reporting service that Chase Bank is reporting me as late for XX/XX/2019. 

I made 2 payments that month. 
XX/XX/XXXX for {$230.00} made over the phone. 
XX/XX/XXXX - From email from Chase advising me the payment posted. 
I did not notice For some reason the payment never hit my bank account. I did not notice {$230.00} still in my bank account. 
Chase failed to alert me the payment did not go through. 
They have a messaging system through the app and as of today, there is no messages about this payment. 

I paid them. Not sure what they did with the payment information. I pay every month the same way and never had an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.

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 2017-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Last year my sister send me {$2000.00} from her chase account to my back of america account. my sister use my email address to send the money ; this email address was not register in my account. The money was deposit in a internal Bank of American Account. Now Bank of America do not want to return the money to chase. Every time i call, no one know how to help 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 2017-06-24
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had this Student Loan since 2004, at first it was with XXXX XXXX then it was transferred to Navient. The loan started with a 2 balances one at XXXX and some change, the other at XXXX and some change. I have been paying on these loans since than ... My current balances have sky rocketed to XXXX.. I just learned that the interest is higher than my payments ... so when I make a payment of {$150.00} every month it only goes towards the principle or interests ... My balance will never go down ..the balances are rising. I am single with one job..i am now having problems with physical problems which keep me sick a lot. I just can not afford to pay a higher amount, I contacted Navient to discuss other options but they say they can not help me.. Can someone please help me with this situation ... I have had other companies contact me with other payment options but they turned out to be scams ... it seems like I will never pay this loan off ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Having tried to resolve in a previous complaint with this Bureau, the fact that the U.S. Bank continues to withdraw money without authorization, the complainant now states that this same problem has arisen again. 
In that on, or about XX/XX/2022, U.S. Bank over drafted the checking account after we discussed removing any and all courtesy transaction features that exceeded the amount available. 
Even so, today I discovered a charge that exceeded the amount available in the account, though they agreed to discontinue this practice. 
The amount was in the sum of {$780.00}. 
Steps were taken to remedy this problem and mitigate the loss. 
However, the bank violated our contractual agreement irrespectively. 
Once again demonstrating they are gaining transactional permission without my consent. 
This problem wasn't corrected, and I have now been affected thereby. Both physically and emotionally.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: OR
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 need to provide them with a police report and I'm still waiting for it to be completed. I'm trying to get my house refinanced and the fraudulent collection is effecting my credit score so I co n't get an acceptable rate. The Expirian person in Fraud advised me to contact the FTC and that the credit agency can take action quickly once I do that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Again, Im sending over an Identity theft report # XXXX. Pu

rsuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please note that you have 4 business days to block the reporting of an y information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : USBK Court XXXX Illinois XXXX # XXXX USBK Court XXXX Illinois XXXX # 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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was XXXX and my ID and social security card was stolen.

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 2022-09-06
Company: FISERV INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A transaction for the amount of {$840.00} was made in cash at this location, threw a system called CheckFreePay. The following payments were for utility bills, both entities confirmed that these transactions were not found or made.

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 2017-06-24
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I was approved for a consolidation by XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The money was sent to all creditors. On XX/XX/XXXX XXXX returned approximately XXXX back to XXXX  XXXX XXXX without an explanation. In XX/XX/XXXX I was contacted by TSI Transworld Systems 3rd Party collection agency stating the debt was outstanding. I explained all debts were consolidated and this debt is paid in full. InXX/XX/XXXX my wages were garnished. I called TSI and was denied the dispute and told it would not stop the discharge. I escalated and was transferred to XXXX XXXX. Who took the dispute. XXXX agreed to send my original promissory note. On XXXX the notice was mailed to me and TSI resolved my dispute and put me back into collection. I called XXXX XXXX directly and he put my case back in dispute but not before I suffered another garnishment. On XX/XX/XXXX I mailed all proof to XXXX XXXX to help me dispute. They agreed to call this a missed loan issue and not require me to file for another consolidation and stated the claim can take up to 30 days. On XX/XX/XXXX I contacted XXXX XXXX for a status. I was informed by XXXX that on XX/XX/XXXX XXXX XXXX sent notification to XXXX to resolve the issue and XXXX has not responded. I contacted XXXX XXXX with TSI to explain the situation and ask for his assistance in reaching XXXX to resolve because when I call the automated system referred me to TSI and disconnects. XXXX assured me He would help and suggested I call back Friday XXXX. Instead of assistance from TSI, they resolved my dispute and on XX/XX/XXXXgarnished my wages again. Since this ordeal has started my wages have been garnished approximately {$1000.00} which is 1/2 the debt owed. The unexpected garnishment has placed me in a financial hardship and forced me to borrow money and juggle my mortgage and other financial responsibilities. I would like to file a claim and obtain information to sue TSI for unfair treatment and unethical collection practices. TSI 's only focus is to recover their % by collecting on a debt that is truly not valid. I understand their position as a collection agency, but their practices are bordering unethical and harassment and definitely not helpful. I have been in constant contact with all 3 companies trying to resolve this issue. 6 months later it is still unresolved and I am being burdened, harrassed, and my wages garnished for my diligence. Please help. I am looking for ways to stop the garnishment, resolve the outstanding issue and recover on garnished wages and hardship. Please help. I can be reached at XXXX and my name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Equitable Acceptance Corp
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I DONT UNDERSTAND HOW THIS COMPANY EQUITABLE ACCEPTANCE CAN TAKE MONEY FROM MY HUSBAND I DONT UNDERSTAND WHO THEY ARE THE WAY THEY EXPLAINED IT WAS WE PAY THEM TO LOWER OUR BILLS. HOW IS THAT IF WE OWN THEM ( WITH INTEREST ), SO I GOT TIRED OF PAYING THEM ALL THE INTEREST SO I PAYED THEM OFF WITH MY CREDIT CARD, NOW THEY SAY WE OWN A COMPANY CALLED STUDENT DEBT SERVICE?? WHO IS THIS?? NO ONE SAID ANYTHING ABOUT THIS COMPANY!! WE WHERE UNDER THE IMPRESSION THAT WE WOULD GO THROUGH XXXX. SO WE FEEL NOW THAT WE ARE BEING TOSSED AROUND TO SEVERAL COMPANIES WE DONT KNOW IF THIS IS AN HONEST COMPANY OR NOT BUT ACCORDING TO THERE WEBSITE THEY ARE NOT TO BE TRUSTED PLEASE HELP!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: MA
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:
Regarding XXXX XXXX XXXXXXXX. XXXX still shows 30 day late payment in XX/XX/XXXX. 
The payment was made via phone via auto bank account withdrawal. 
i personally called XXXX  via their XXXX XXXX # and made the payment via phone as i did every time. 
I had this credit card since XXXX and made every single payment on time for 12 years. 
i requested my phone XXXX and XX/XX/XXXX records from 6 years ago and they clearly show the XXXX XXXX # called timely. I do not why the payment did not go through is it that impossible to believe a computer error occurred.. i made timely payment for 12 years. 
This late payment is the only negative mark on my credit. 
I have sent XXXX he phone records. and even called multi times in vain. 
Instead of asking courteously and providing back up evidence, I should ask my 10 year nephew how to post on XXXX of my experience and how XXXX really treats the customers and let millions of person truly know how they treat hard working honest citizens.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-24
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Bank is n't updating it 's transactions with active hours so I ca n't transfer money over to my account.

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 2017-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 paid on time and paid it off but they saying i still owe

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 2022-09-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXX I opened a savings account with {$500.00}. I was told that as long as I keep over {$500.00} in the account, I will not be charged any account fees. Documentation such as the monthly statements support this. 

In XX/XX/XXXX Fifth Third Decided to call my account " Dormant '' and charge a {$5.00} fee each month. No communication of this change was ever made. My email notifications on their website were mysteriously turned off. No notification in through mail was made until XX/XX/XXXX. At this point I was charged {$45.00} in total without being told. Their website blocked me out from accessing the account because of security concerns. 

I visited a local branch and was told I could deposit more money to remove the dormant status, but could only refund {$15.00} of the total. As I only had {$20.00} to deposit, I am now facing a XXXX XXXX monthly account limit for having under {$500.00} in the account. 

Fifth Third Bank deliberately moved my account to " Dormant '' only to get me under the {$500.00} account limit and to continuously charge me until my account was empty without any notice. The fact that my online account was set to not notify me was not an accident. The letter sent too late was also deliberate and unfair. 

The refusal to give back any fees to get me over {$500.00} was probably done in order to continue making me pay a different account fee. 

This was not a mistake from the bank but rather done with malicious intent in order to extract all possible funds from my account. I do not believe I am not the only person that has this happened to them. 

When opening the account and in each statement, I was told there would be no fees if the account was over {$500.00}. This is not what has happened in practice. Fifth Third did not follow what I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Bank XXXX Credit Card Inquiry BANK OF AMERICA got a copy of my XXXX Credit Report. 

Bank of America pulled two Soft inquiries and one Hard inquiry of my XXXX Credit Report without my permission. These occurred over the XXXX XXXX holiday on XX/XX/2022. 

I called immediately to Bank of America trying to resolve however they were closed on the holiday. I called XXXX to see if I can dispute it and they were so close on the holiday. 

I called back on XXXX XXXX to Bank of America to resolve this inquiry and they told me they could not help me. That I would have to resolve this issue with XXXX. I didn't call XXXX and they help me file the dispute to remove this inquiry. 

I am now filing a complaint about Bank of America 's business practices to the CFPB.

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