BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX  has been working with  XXXX   XXXX  since  XXXX / XXXX /  XXXX  . It appeared that Key Bank applied payments to the first mortgage in error.  XXXX  sent a letter on  XXXX / XXXX /  XXXX   which is attached requesting information on the account to try and resolve the delinquency.  XXXX   XXXX  has the income to make a mortgage payment. It appears that Key Bank called the full amount due on his mortgage of appx  XXXX .    XXXX  sent a complete Modification request and all documents on  XXXX ,  XXXX  and follow up documents requested on  XXXX .   Since that time frame  XXXX  has heard nothing. Attempts at communication have not been responded to by Key Bank. On  XXXX   XXXX   XXXX  called me during a very disturbing phone call from  XXXX   XXXX  from Key Bank. I personally heard him berate  XXXX   XXXX  and call her uncooperative, unconcerned and " she must not really care about keeping her house ''.   I was very disturbed by  XXXX   XXXX   XXXX   XXXX  's treatment of Key Bank so I asked them to come into the office so we could call  Key  Bank together. I spoke with  XXXX  #  XXXX  and she stated she could not provide me any information because it had been referred to foreclosure and only  XXXX  could talk to me. I then called  XXXX  at  XXXX  and spoke with  XXXX   XXXX  who was very helpful. I let her know about my disturbing phone call and that I had sent multiple packages to Key Bank and let her know that I had never received a phone call from Key Bank or a denial.  XXXX  told me that Key Bank is pursuing a judicial foreclosure which I was shocked about because Key Bank has NEVER tried to help the  XXXX  with a modification.  XXXX  requested that I send her the documents that I had previously sent and she would look into it.   I then called Key Bank at  XXXX  and spoke with  XXXX   XXXX   XXXX  and he let me know that Key Bank had NEVER reviewed  XXXX   XXXX  and that the  XXXX  's had NEVER been denied. He stated on  XXXX  Key Bank had requested additional documents  ( which we provided ) but then Key  Bank closed out the file with no further communication and no denial. I let  XXXX  know that under CFPB that you must deny someone and allow them an appeal process.    Key  Bank is going through a foreclosure process and yet I have documentation that Key Bank has never reviewed  XXXX   XXXX , never denied  XXXX   XXXX , never contacted their housing counselor. Since the  XXXX  's were never denied a modification, they have had no way to appeal, or speak with Key Bank on how they can save their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

I sent a letter XXXX asking for : Validation of the debtthat is, the actual accounting. 

Verification of a signed invoice. 

A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered Equifax, XXXX, & XXXX have violated my rights numerous times. I demand the accounts listed below be remove becauause According to 15 USC 1692e, 15 USC 1692d, 15 USC 1692B, 15 USC 1681, Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Also according to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX, or XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX ( Original Creditor XXXX ) Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) Account # XXXX XXXX XXXXl Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a home equity line of credit from  Bank of America. It was a ten year pla n and then you had to pay it off. When it matured in  XXXX  of   XXXX   I was in the process of getting a new line of credit and they charg ed me 5 percent l ate fee on the balloon balance. This charge was about {$7400.00}. I told them I was in the process of getting a new line and they said they would remove the fee when the account was paid in full. I said I needed to have it removed so I could determine the correct pay off amount. They would n't budge, I did n't trust the company to remove it at loan closing time. The contract says nothing about charging a late fee for the balloon balance. It says a late fee will be charged for any monthly payment received late, but nothing for the balloon balance. 27 months went by and I faithfully sent my payment of the interest charge and some of the principal. In 13 years I had never missed a payment or had a payment received  late. My credit score  was excellent. Even though I paid the interest each month from the monthly statements I received from BOA, they still reported my account as delinquent because the line of credit had matured. I had written several letters asking for the amounts to be removed and got no response. The first week in  XXXX  of this year a Foreclosure Notice was duct taped to my front door. I was shocked, disgusted, and embarrassed. I have always paid my bills or gone without and now my house was going to be sold at auction on  XXXX   XXXX . I now have a weakened credit record and I am trying to get a new line and I am still unable to get BOA to remove the charges.

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 2021-11-18
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
this is to provide more information to the investiagtors regarding this fraudulent application. I have attached the most recent response from elan financial. They state that I sent in an identity theft victim 's affidavit to them but I never lived at the address they claim this form was sent from. I XXXX  this form and it is a generic form that anyone can send in. It is my understanding that many credit repair companies use this form and is used by many for identity theft. The phone number XXXX is not my number and if it is under my name then someone has opened it fraudulently under my name. I respectfully ask that you review this information and close this fraudulent account. If there is anything else you need to help resolve this, please let me know. I need this account closed out because you are reporting this account with my social and allowing access to my current information to the identity thieves by your continued reporting of this. I do not want more accounts opened using my social.

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 2022-04-27
Company: Chime Financial Inc
State: TX
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:
On my Chime Credit Builder Card, I noticed fraudulent charges had been made the following morning. The fraudulent charges were : ( Dispute # XXXX ) Merchant : XXXX XXXXXXXX XXXX Amount : {$10.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX XXXXXXXX XXXX XXXX Amount : {$50.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX XXXX XXXX XXXX Amount : {$50.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX XXXX XXXX XXXX Amount : {$400.00} Date : XX/XX/22 Time : XXXX XXXX I immediately called the company and they stated that it can take up to 90 days to investigate. I had a following hack happen on XX/XX/22 to my Chime Debit Checking Account and had to make additional disputes. ( I am making a different claim with CFPB for the Chime Debit Checking Account since it is a different type of card. ) This morning, I read an email from Chime stating that they will not be refunding my money for two of the total 8 transactions. ( The others are still under investigation. ) I was informed that I needed to send in additional documents to continue my dispute. So, I am making an official paper trail for all of my disputes with Chime.

This dispute specifically is focused on the Chime Credit Builder Card, where they promote that you send your funds from your debit to then use the credit card and help build your credit score. Well, I did this and now my money was stolen and still pending refund. With my current experience with Chime, and now suffering from fraud on another one of their cards, I feel that they will ultimately string me along and not only leave my family without our hard earned money, but promote to hackers that there are no real consequences for fraudulently hacking into Chime to make unauthorized transactions and steal from their card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: OH
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:
This is my SECOND time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX  # XXXX -CREDIT FIRST XXXX XXXX # XXXX -DEPT OF ED/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX XXXX OF EDUCATION/XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is my SECOND time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX -DEPT OF ED/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX XXXX OF EDUCATION/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 explanation
Consumer complaint received 2017-04-21
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card
Issue: Advertising and marketing

Complaint:
BAIT AND SWITCH. Barclays lured military members into signing up for a credit card by waiving the annual fee while on  XXXX   XXXX . Then once established as a customer they imposed an annual fee of {$1000.00}.

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 2022-08-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a re-investigation letter to Experian to investigate some derogatory items on my credit report. As of today I haven't received a response back from Experian.

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 2021-11-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 someone tried to transfer {$100.00} from a Wells Fargo checking account in my name ( XXXX ) to open a savings account ( XXXX ) at XXXX XXXX XXXX XXXX XXXX 

I do not have active accounts at either institution.

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 2022-04-27
Company: Atlanticus Services Corporation
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've contacted them so many times!! I did not ask to have my card closed!! They reported it to the credit bureau and I can't use my card!! I need them to reopen it! My credit score has gone down because of this!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello CFPB, I would like to file a complaint to Citibank. Last week Wednesday XX/XX/2021, I was trying to transfer my money of {$190000.00} from Citibank to my XXXX XXXX Account. I was not able to complete the transaction online because the Citibank external transfer is limited to {$10000.00}. And I called Citibank, the representative suggested me to do a wire transfer instead. And I did the wire transfer on the phone with the Citi representative under her instruction. And the representative told me to call back the next day to confirm the wire transfer. 
On Friday XX/XX/2021, I called Citibank, the first representative told me she wasn't able to confirm with the transfer and told me to call back in 3hours. I waited and called again, the second representative said she was not able to confirm and said someone will contact me for confirm, I waited for another 3hrs, no one have ever contacted me. Then I called Citibank again on the same day evening, same response, they can not get a confirmation. 
On Friday XX/XX/2021, I decided to cancel the wire, and tried to pull the money from XXXX external transfer from Citi in two transactions, {$100000.00} on XX/XX/2021 and {$90000.00} on XX/XX/2021. 
Today morning XX/XX/2021, I got an email from XXXX indicated that my account from Citi is frozen and they are unable to do the transfer. 
I immediately called Citi to find out what is happen to my account, I waited an entire day for an answer, the representative told me that they will be able to unlock my account with the fraud prevention department, but wait an hour wait, and verification with the fraud prevention department, the representative told me he was not able to unlock my account, and the account is still under review. 
Citibank case number is XXXX, and the person from the fraud department name is XXXX. 
The money that I initially deposited into Citibank came from the same account that I was going to transfer my money back, XXXX. Both accounts below to myself, solely, and with the exact same name on the account. There is no reason for Citi to hold my fund. 
Citibank is taking unreasonable amount of time to review my account for almost a week. and I'm still not able to access to my own money!!! 
Please help me to fix this problem. 

Thank you. 

XXXX 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 2017-04-25
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
years ago (  XXXX  and prior with no negligence was the last payment made, and  may  have been before  XXXX  ) i used  XXXX  for my cell phone company. i decided to change phone company 's due to the price difference. i called  XXXX  and let them know and they then shut my phone completely off after paying the last months bill.  XXXX  then continued to bill me on a monthly basis until the bill got up over a thousand dollars, even after calling them numerous times and kept explaining that i no longer use them and the phone was not even working any longer, and i am not paying for a service that is no longer in service, and i am not paying for a bill, i did not use while being billed.  XXXX  held on to the continued bill for about numerous years trying to get me to pay for something i continued to tell them i did not owe.   On  XXXX  of  XXXX  I had a credit check done on me in order to move into a new apartment and found that the phone bill was on my history and also indicated that the status was closed, but opened  XXXX  of  XXXX , yet with a current balance of {$1300.00} but was through a different collection agency other than  XXXX . ( i have a copy indicating the different dates and totals from the managers where i currently live ).   I never made a payment on this bill because I did not owe it ...   The date is now  XXXX / XXXX / XXXX , and had my credit checked again in order to move in to another new apartment and my report stated that another third party agency, " Convergent agency '', has now taken it over and says it was opened was on  XXXX , with a balance of {$1100.00} ( i never made a payment on this ) falsely showing both a price indifference and indicating to the new apartment that this bill is only a year old. When in fact, the bill is past the statue of limitations for Minnesota where i reside  ( 6 years ).  Due to this illegal action through the third party "    Convergent  ''  , I will not be able to move in to a new apartment unless this is resolved immediately. ( there is absolutely no felony or misdemeanor, nor do I have any debt ... a clean record ) I tried to call convergent and got a loud noise in my ear and the phone call ended ( it was not a fax number ).
I called T-mobile   and the only information they said they had in their computer was that it was given to " Convergent '' on  XXXX   XXXX ,  XXXX . Which shows another lie typed on my report done by convergent, saying it was opened on  XXXX  ( that alone is a almost a 4 year difference from when  XXXX  claims they gave it to them  ) .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: VA
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 have repeatedly submitted a request to remove this account. It is stale dated and exceeds the statute of limitations. It was agreed that when I paid the account in full many years ago, that it would be removed from my credit report.

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 2021-11-18
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
American Express has continued to harass me, they check stalk my XXXX XXXX account, how do I know cause it says checked by Amex, they wrongfully charged my account a fee XXXXmonths ago or so and now XXXXmonths later they told me it was an error and issued me {$4.00}, I told American Express customer service to stop sending me letters but they have refused, Amex did not help me as a customer to fight fraudulent charges on my account, that have always been messing with my money, I believe Amex is the worst company to bank with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
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: Personal information incorrect

Complaint:
I recently mailed letters out certified mail to Experian and XXXX to remove incorrect addresses from my credit profile it has been over 30 days and I just purchased a updated credit report and the addresses are still on my credit report and they even added a address to my report there should only be one address on my credit report

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