BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-23
Company: KEYCORP
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I called to get a auto loan payoff letter on XX/XX/2016. I was told on the phone that the letter had been ordered and that everything was taken care of. I was not offered the opportunity to fax or email the request for faster service. On XXXX I called to ask about the letter, but they said it would take several more days. I was told at that point I could fax a request in and they would turn around the request in two business days. I needed the letter that day in order to get the mortgage I had applied for. I was not offered any sort of opportunity to speak to anyone who could or would expedite the process, and when I asked about having called the previous week in order to request the letter and had not been given information that would have allowed the process to be more efficient at that time, I was told that it made no difference and there was nothing they could do. Key Bank cost my my home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01
Company: The CBE Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have previously submitted a complaint against CBE Group XX/XX/XXXX for contacting me after a cease and desist was requested. Please see [ Case number : XXXX ]. 
On XXXX XXXX XXXX at XXXX I received a call from CBE Group ( XXXX ) then again on XXXX XXXX XXXX at XXXX Mountain Standard Time. This is harassment and the company previously assured me I would not get any more calls. They are in violation of my rights as a consumer. Each violation carries a {$1000.00} fine plus damages. I have my phone records for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I took my daughter to XXXX XXXX XXXX ( XXXX medical ). 

XX/XX/XXXX We reached {$3500.00}, out of pocket maximum because she was hospitalized later. 
I don't need to pay anything including copay after we reached out of pocket maximum with my insurance policy. 

XX/XX/XXXX XXXXXXXX XXXX XXXX ( XXXX medical ) billed me {$50.00} for copay. 
I contacted them and they told me we don't have to pay for the bill after they got the proof of document that said my responsibility is XXXX ( from insurance company ). 

XX/XX/XXXX collection company sent me a bill ( XXXX  lied when I called them before, and they sent the bill to the collection instead after I contact them ) I called to XXXX  again, they said they will take it off from the collection. 

XX/XX/XXXX collection company sent me a bill again ( XXXX agent lied again, and they did nothing with the collection ). 

XXXX XXXX XXXX ( XXXX medical ) is trying to get {$50.00} from me even though they got the document that said my responsibility is XXXX, they lied every time I called them, also she visit the urgent care when she was XXXX, and they sent {$50.00} bill to collection with my daughter name. 
What they do is just pushing me to pay {$50.00} even though they knew that it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

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 2019-12-12
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is to XXXX XXXX the agent of AmSher this is a official notice Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with XXXX XXXX XXXX XXXX in regard to the referenced deb . Please delete this account XXXX XXXX from your database.Please cease/desist using the name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX this is a trademarkname and LLC. We are not sure how or why you have this account and protected name in your office. We would like to end any assumed business relationship that may have been confused for any contracts for business. We failed to find any contract for business between AMSHER COLLECTION SERVICES , INC AND XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My brother and I located an ad on XXXX offering discounted airfare. Contacted the ad, was advised that they could book our airline tickets at a discounted price. The other person booked our air, provide us with confirmation numbers, I even called the airline to verify. 

My brother thought it was ok since we had proof of our tickets. He wired {$5200.00} to the receipents bank. Two weeks later XXXX out of the XXXX tickets booked were canceled per the airlines due to fraud. I then contacted my bank and the receiving bank. The receiving bank advised to file a recall wire transfer, we did so. Plus the receiving bank wanted an indemnification agreement. Our bank refused saying that our situation was not classified as fraud. It is fraud. I have police reports as well as fraud reports to prove otherwise. The gentleman who took our payment for the airlines basically laughed at us telling us there was nothing no one could do even the fbi

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, mailed a letter to NCB Management Services to validate debt. They have not responded in a timely matter. XXXX and XXXX have deleted the account from my kredit profiles. According to FCRA section 611 ( a ) 6 and 7 gives us the right to request a method of verification. NCB has failed to provide the method of verification within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: AR
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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

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 2021-11-19
Company: EQUIFAX, INC.
State: GA
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 called XXXX XXXX XXXX who is XXXX Visa I tried to do a credit increase they said my report told them my usuage on this card is too high My issue with this credit company they have not reported my card Since XXXX of XXXX I have also ask of them to remove the late from XXXX because it was covid I need them XXXX equifax ans XXXX to rescore my credit I lost XXXX points with this company I have paid this card off several times in the past 3 months that has not been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: VA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Alpine Credit, Inc
State: NE
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:
The credit bureau XXXX  is reporting a collection account with Alpine Credit , Inc. This is inaccurate and is not my account. They are reporting 3 collection accounts in the amount of {$220.00}, {$41.00} and {$41.00} on my credit report. This debt was already removed from my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not reportable as per the FCRA, since they are inaccurate. 
I also requesting to remove negative accounts from credit reports which never belong to me. 
XXXX  XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, OH XXXX. Phone # XXXX XXXX XXXX. I have account with PNC Bank. Last three month, I am getting charge for {$3.00} each month for " check images in statement fee ''. This service I never authorized or signed up for. They signed me up without my consent. Now I have been calling them each month to take this service off and give me the credit, but they refuse to do that. This is a bad business practice. Please help me resolve this issue. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Last year I had tried to sign back up for school, my deferment when I made it was for a year when I called I was told I was in default and it was only put into their system for 3 months and to get it out I had to pay {$600.00} that day to start any payment arrangements. I never got a phone call or letter in the mail explaining my deferment was up or anything about payment options. When I asked if I could make any type of payment arrangements I was told no. So after I hung up I never got another phone call until 2 months ago I got a letter stating I owed {$12000.00} and it was due 2 weeks after receiving it in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Law Offices of Mitchell D Bluhm & Associates keep calling me trying to collect a hospital debt. I have asked on numerous occasions per the rules of FDCPA to provide me with a verification of debt and documentation that I owe the debt. They keep calling harrasing me and saying they sent it but have not. The other day another person called telling me it " was not sent to an attorney for review yet '' making it seem like they may sue me. I was told I would have to reach out to ask for the verification of debt and told them three times I have asked them to do their job and provide me with it per the rules and they still have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
They do not offer any help on changing the repayment options. I am struggling to make a payment and they are not willing to help. Very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
As is normal now, I received an email from Bank of America that my financial info may have been compromised at an 'undisclosed merchant. ' The bank and merchant should be be disclosed, so I can decide how to proceed. Not having to disclose the merchant helps remove certain accountabilities. 


Security Alert : We 're Issuing You a New Card To Help Keep Your Information Safe We 're letting you know your card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account and as always, you are not liable for fraudulent transactions when reported promptly. However, as a precaution, we 're issuing you a new card which will arrive soon. 
You may continue to use your current card until your new card arrives. Once you receive your new card, the old one will no longer be valid. Please activate your new card as soon as you receive it. Keep in mind, your current credit card will deactivate on XXXX/XXXX/2016. 
Your security is important to us We 're continuously monitoring your account ; however, if you do notice any charges you did n't make, please call us at XXXX, 24 hours a day, 7 days a week.

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 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ftc violations and case that pertaining to my case attached in XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer 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 explanation
Consumer complaint received 2016-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I reported credit card lost a year ago from today which is XXXX XXXX 2016. But never got issueed a new card so I have n't use my credit card since. Recently I receive enormous amount of XXXX balances in mail which is not use under my consent and my credit line limit only up to XXXX. I contacted the bank but they 're unable to resolve this issue and keep charge high sum of interest rate. I asked the creditor to provide statement but it has been several months now and I believe they failed to provide and comply with my request. My credit score are excellent currently at XXXX and I really do n't want this situation to jeopardize my credit score.and I would cfpb to take this matter into action as soon as possible

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 2020-06-10
Company: Experian Information Solutions Inc.
State: NE
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:
The credit bureau Experian is reporting a bankruptcy on my credit report. This is inaccurate and is not my account. I have disputed this item several times with the credit report. This inaccurate bankruptcy was removed from my XXXX  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 2021-11-19
Company: WELLS FARGO & COMPANY
State: NC
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:
XX/XX/XXXX we refinance our home that we bought XX/XX/XXXX with Wells Fargo hazard mortgagor. Fast forward to current date XX/XX/XXXX my mortgage payments have not been been reporting to all major credit bureaus. I was told by Wells Fargo that for one year my payments would be suppressed doing that refinance. And after that one year they would regularly continue reporting to the credit bureaus. Well, after trying to obtain a personal loan I was notified by the loan XXXX that my mortgage was not showing up in the credit bureaus. I contacted Wells Fargo they said that it was a credit bureau issue I contacted all credit bureaus and they said it was a creditor issue which is Wells Fargo. After many many attempts with Wells Fargo I received a letter stating that they had made an error I will try to fix it, that was XX/XX/XXXX. Wells Fargo lawyer contacted me saying that he would try to resolve the issue and today which is XX/XX/XXXX the in resolution on their part is, that they can not do anything they are not going to report my mortgage payments to the credit bureau because the issue is between the credit bureau and myself and I know that is untrue! All 3 Credit bureaus told me that they can ONLY report what has been reported to them from Wells Fargo. Wells Fargo stated that they received an electronic filing stating to suppress my payments which doesn't make any sense because I asked them who did it come from and the lawyer told stated to me that he did not know and they could not do anything.

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 2021-11-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Equifax several times about the inquires and they are not removing even when I sent the FTC and they said it was a glitch and I had to resubmit.. This has happened several times

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car using XXXX XXXX to secure the loan in XX/XX/XXXX. In XX/XX/XXXX, : - ) have not been able to reach them. They no longer are a company. As a result of XXXX XXXX improperly not reporting my own finances are negatively affected. I've tried calling numerous times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Residential Title & Escrow Co
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
The XXXX used by the XXXX has not recorded the Deed, resulting to show the Builder as current owner. I contacted XXXX. ( XXXX XXXX ) and they have sent the outstanding property tax monies to my county. The XXXX Co has yet to file for recordation and I have been in the residence since XX/XX/2016 There is also erroneous information on the settlement statement showing monies given for XXXX ( Fee to XXXX ), when this is an FHA loan, and I pay PMI.

Company response to consumer: Closed with explanation