BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Morning, This is the 3rd time that I am writing a complaint regarding Bank of America. I am so fed up with them that I just want to scream. I have been asking for help for well over one year and they have not done anything to help me. I have made complaints and have been referred to their appeals department but nobody knows what someone else is doing. I was denied again because they say that they cant verify employment for my Husband and my Husband has been working for the same company which his brother owns since 1990, they asked for a letter from employer which I supplied and they have his tax returns which shows the same employer. They never called me to ask me for further information. They also told me that I am too deliquent at this point for a modification but I have been asking for this for almost 1 year. I have been working with someone from BOA for quite some time and then they change the rep and the new rep doesnt know what is going on. I am also going through the State of NJ for another program and I am waiting for that answer. Yesterday I got so frustrated that I hung up on them because the new rep said well you are denied so you can either sell your home in a short sale or catch up on your payments which they know that I cant do. BOA told me months ago that the only way I will get help is if I am delinquent on my mortgage and now they are teliing me that I am too delinquent. I really dont know what to do anymore but I am thinking of going to the media to make a complaint and maybe they will do a story on this. I always had excellent credit and I am not a deadbeat I just want some help. Can you please help me, each time you contact them they do nothing, something more has to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-06-02
Company: TRUSTMARK CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXXmy wife contacted a XXXX ad for an apartment rental in the XXXX, XXXX area. Upon contacting the individual who posted the ad they posed a real estate agent in the area and had a 2 BR/2 BA apartment for rent for {$1900.00} per month and it was month to month. 

After initial communication with the real estate agent ( pretend ) we filled out a leasing application and lease agreement with the posing individual. At which point they confirmed via e-mail that they received the leasing information and would sent payment instructions. We were instructed to pay via wire since this was an out of state private owner as they called them prior. 

Once we received the wire instructions the funds were wired into the account on XX/XX/XXXX at approximately XXXX XXXX PST. After several hours, something was not feeling correct about the situation and we attempted to contact the " real estate agent '' and they did not answer the phone but called back and pretended to be XXXX the " property manager '' for the company. After being very suspicious we called another phone number for the realtor and were told they knew nothing about this apartment listed for rent. 

We immediately went to our banking institution and reported the fraud/scam. They attempted to stop the wire transfer and notify the other institution of the situation. This was reported at approximately XXXX XXXX PST which would be XXXX XXXX EST at the financial institution in XXXX  which is Trustmark National Bank. We are not members of the bank however we did call them and notify them of the wire fraud. 

We spoke to the Security Department on the morning of Wednesday XX/XX/XXXX and informed them of the situation. There response to us was they were not sure they received the wire cancellation request and the money was withdrawn from the account at XXXX XXXX EST. It is hard to believe that the institution did not receive the request to not allow the withdrawal of the money. 

Local law enforcement was notified of the situation on Thursday XX/XX/XXXX and she has since been in contact with the bank. The  institution has since closed the account. We had suggested to them on Wednesday that they look into the account and the large withdrawals and were told by the security department that its normal for people to go in daily and take large sums of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Submitted dispute regarding missing mortgage payment on my credit report. ( Transunion ) on XXXX/XXXX/XXXX. I submitted additional information that was requested on XXXX/XXXX/XXXX. I received a letter stating that the investigation would be completed on or before XXXX/XXXX/XXXX. I still have not received results of this dispute, as of 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 explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights. 

-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer. 
-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Have been in the process of obtaining mortgage since XXXX of XXXX. Giving Citizens Bank all required information whenever they need. 
Fast forward and it is XXXX of XXXX. Finally we start to move forward again. Citizens asks for updated info from us because everything they have expired. 
XX/XX/XXXX we are told we are in the final steps and ready to close. 
We hear nothing from the bank. 
XX/XX/XXXX we get an email saying the underwriter is reviewing. 
XX/XX/XXXX we get an email saying everything is ready and we will be closing. 
Same day XX/XX/XXXX, we get an email saying we are not ready to close anymore. 
XX/XX/XXXX we are told again that we will be closing. 
XX/XX/XXXX we are told that we need to provide more information again out of nowhere. 
XX/XX/XXXX we are told that we are still not ready to close. 
That is all the updates I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: KEYCORP
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
A title loan ( refinance ) was opened on XXXX/XXXX/XXXX with Key Bank. This institution is based in XXXX, Ohio. I live in XXXX Kentucky. There were branches nearby at the time of taking out this loan. Since this time, all Kentucky branches have closed. 

The account was paid in full ( online ) on XXXX XXXX, XXXX. Since this payment was made, Key Bank sent a Lien Termination letter with notarization, but did not otherwise seek to release the lien with the XXXX XXXX Clerk 's office. 

On XXXX XXXX, XXXX, I traded this vehicle at a dealership in XXXX, Kentucky. Since this time, both the dealership and I have tried to release the lien on the vehicle with no success. 

Kentucky requires that form TC XXXX ( as required by the Kentucky transportation cabinet ) be completed by the lien holder and will not accept a lien termination letter. 

Key Bank does not have this form on file and has failed to attempt to release the lien. They have only sent extra copies of the lien termination letter. I have been forced to fill out this form and fax to Key Bank with the hopes that they will comply and fax a copy, with a forwarded original to the XXXX XXXX XXXX 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi, My name is XXXX XXXX. I am writing to complain on Transunion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN TRANSUNION RECEIVED THE LETTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 XX/XX/XXXX XXXX XXXX XXXX fraudulently overcharged me for additional damage insurance when I declined. I already have insurance through XXXX XXXX and did not need additional insurance. I tried to get XXXX to help and nothing. I filed the dispute with Bank of America credit card on XX/XX/XXXX. The claim has been under investigation, I've submitted everything they asked for on-time. On XX/XX/XXXX, Bank of America denied my claim saying I didn't provide the documentation requested even though my last communication with information was faxed to them on XX/XX/XXXX <-Per their instructions one of the letters attached. 

For 3 days ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I've tried to call Bank of America to reopen my claim. They said I could do this, however, I can never get connected with the Existing Claims Dept and just remain on hold for hours. There is not a way to do it through their messaging center. 

The amount in dispute is for a total of {$300.00}. Breakdown is {$230.00} Insurance, plus {$26.00} Concession Fee, plus tax applied {$37.00}. 

Instead of fixing a fraudulent overcharge, Bank of American is giving the me run around, trying to wear me down so that I just give up. My records with this company shows large payments made by me monthly as I pay the card to zero each month. I am not a credit card scammer. I have excellent credit rating and history.

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 2017-09-06
Company: Risecredit, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan with XXXX and notified them on XXXX that I wanted to pay the loan in full on XXXX. On that day they took out the amount of {$3700.00} which was the pay off of the loan but they also took from my bank account a regular bi-weekly payment of {$230.00} which was an overpayment. They 've admitted the mistake but wo n't refund the money back to me unless I provide them with my most recent 30 day bank statement. My last bank statment was dated XXXX so this would not show up on it. I sent them a transaction list from my account that clearly shows both payments and has the last XXXX digits of my bank account showing on it. They claim this is n't proof of the additional payment even though it clearly shows it is. They should be able to see on their end as well as when I pull up my account is also shows the additional payment. They know they took the payment. I should n't have to wait to get money back that they took that was n't owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Personal information incorrect

Complaint:
I sent my complaint to the three credit reporting agencies, XXXX, Equifax, and XXXX, because they are reporting inaccurate personal information of mine on my consumer credit report and infringing my consumer rights pursuant to 15 U.S. Code 1681 ( a ) for continuing to report information on my consumer report without verifying the accuracy of the information first. I want it deleted from my consumer report for it is harming my reputation and I can't receive mails in those addresses nor am I reachable in those addresses. 

They also violated my consumer rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Permissible Purpose for reporting information on my consumer report without my permissible purpose. They did not even reach out to me to confirm any personal information that only I can verify before they report it on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: U.S. BANCORP
State: OR
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:
XX/XX/2022 - charged {$1200.00} for " XXXX XXXX XXXX '' which I did not use/purchase XX/XX/2022 - U.S Bank issues provisional credit to offset that charge and starts an investigation XX/XX/2022 - U.S Bank finishes investigation and says the charge is valid and removes that provision credit I did not make this charge, and have no idea how or why it was ever charged to my card. I used a ** similar ** company called " XXXX XXXX '' back in XXXX with my other credit card card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-06
Company: KEYCORP
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been accessing my account normally for the past year except now for the past week ( XX/XX/2017 ), the key.com website does not open and consequently I can not log in to my account. The notice given is " Error has occurred, page can not be found or does not exist ". For the past week I have been in touch with Key Bank Customer Service with out result. I live in XXXX XXXX, XXXX, and checked in several other States all resulting in the same problem. The conclusion I have come to is that there is a problem with the key.com website that does not allow it to open in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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:
Hi my credit report shows US bank account I have never authorized anyone to open an account with US bank I have called them to let them know that I am a victim of identity theft, however they haven't done anything. I need US Bank to delete this from my records and report accurate information to all 3 credit reporting agencies.

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 2020-06-22
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX we were contacted by our mortgage company New Rez to refinance our home. We applied with an agent named XXXX XXXX. He told us we would qualify for a FHA loan and all we would need to get started was an appraisal for {$500.00}. We paid for the appraisal and started our application. Shortly after the loan went to underwriting we were informed that it was denied. The reason for denial was that we did not qualify because we had not been in the home for an entire year. We were not told that this was a pre-requisite of the FHA loan and were reassured that we qualified. We contacted Mr. XXXX to ask for a refund on the appraisal since we could never have actually qualified. We were told that this was not refundable and could not be applied to our principle balance. I asked to speak with a supervisor several times and was informed that they were not available but that he would discuss this with them and get back with me. I have all of the email communication between Mr. XXXX and I regarding this incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-06
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2017, I attempted to close my checking account at Key Bank and since the bank charges for a bank check, the teller suggested I take the amount in cash. I received {$3700.00} mostly in {$100.00} bills. I counted the money before leaving the teller and placed it in an envelope provided by the bank. I went from there directly to XXXX XXXX XXXX  to deposit in my savings account. When the teller counted my cash she immediately determined that one of the bills was counterfeit and confiscated it. They called Key Bank as a courtesy to check if they had any other bad bills. The next day I went to Key Bank to see what they would do and after profusely apologizing, they said the first thing they needed was proof that the bill was counterfeit. I stopped again a couple weeks later and was told that after checking with someone in a main office they were told that once I left the bank it was my responsibility, not theirs, and they were not going to do anything. 
The problem is, I know they gave me a bad bill, and the local branch knows they gave me a bad bill, but the official word is " We are not responsible ''. So I am out {$100.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was late making payments and was receiving multiple calls a day from Navient. I finally got on the phone with them and informed them that I can not make payments at this time and am in the process of filing bankruptcy as I am unable to keep up with my debts. The representative said " ok, when are you filing? ". I indicated that I would file in XX/XX/XXXX ( we spoke in XX/XX/XXXX ) and she responded by saying " we can put your loans in forbearance until XX/XX/XXXXand then you will have to send us proof of the bankruptcy ''.
This forbearance period continues to tack on interest to my loans and in the 5 years since I XXXX and have been making payments in good faith, I have not made any impact on the overall amount of my loans because of these interest charges during times that I am unable to pay.

Company response to consumer: Closed with explanation