BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a US Bank checking account in XX/XX/2023 with a promotional code XXXX. I found this code and link directly on the US Bank public website and then I proceeded to click on the link which took me to the account opening instructions and also pre-populated the promotional code for me. I carefully read the requirements needed in order to qualify for the {$400.00} account opening bonus ( direct deposits totaling XXXX or more within 90 days of account opening ). I met these requirements in XX/XX/2023. The bonus was never paid. 

I followed up with US Bank several times and was told by several different representatives that I had met the requirements. Ultimately my query was forwarded to the US Bank promotions department who explained that the code which I had found using a public link was a targeted code that was sent out via mailer and only recipients of this mailer qualified for this new account opening bonus. I re-iterated that I had found the code on US Bank 's public website and that nowhere during the application process was there any obvious warning or disclaimer that customers were targeted and therefore could be denied the bonus.

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 2023-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Family Educational Rights and Privacy Act ( FERPA is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary secondary or post-secondary school.

20 USC 1232g ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: WELLS FARGO & COMPANY
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: Was not notified of investigation status or results

Complaint:
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2022-04-18
Company: EQUIFAX, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

Creditor Name : XXXX XXXX XXXX Date - XX/XX/2021 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be re-investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " no later than 5 business days after the completion of the investigation. '' According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thanks in advance for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/, I opened a checking and a savings account at a Chase branch based on a targeted promotion I received in my email. The promotion said that I would receive {$300.00} bonus in the checking account when one direct deposit is made to the account within 90 days. I made the direct deposit within the time frame, but never received the bonus. 

Regarding the Savings account, the promotion said that I would receive {$600.00} bonus if I open both savings and checking on the same day and maintain {$15000.00} in the account. I have not received any bonus yet. I was told by the banker that I would only get {$200.00} because their marketing departing has an issue with the coupon code. I have tried to contact the bank multiple times and have not received any reply. 

Chase created the following case number, but provided no follow up : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried for several months to contact NELNET and I can never get anyone on the phone. I've tried doing auto payment and my payment keeps getting declined. I believe they want you to pay the minimum statement amount in order to keep incurring interest charges. Every time I pay more than the amount requested my payments declined. I would to get this resolved but can't get anyone on the phone. I'm thinking they are not accepting it because that minimizes the interest money they will receive. I wish I could get my student loan transferred to another company. This is so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: SC
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, 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:
required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX ... I am XXXX years old ... .I HAVE NEVER LIVED IN XXXX , GEORGIA ... .I HAVE LIVED IN XXXX, GEORGIA my entire life ... .yet EXPERIAN has yet again added an apartment COLLECTION ON MY CREDIT REPORT THAT WAS ONCE REMOVED AND PROVEN TO BE FRAUD ... ..I HAVE NEVER ATTENDED ANY SCHOOL IN ALL MY XXXX  YEARS, YET EXPERIAN IS REPORTING STUDENT LOAN ACCOUNTS ON MY CREDIT REPORT THAT DEFINITELY DO NOT BELONG TO ME ... .THAT STARTED IN XX/XX/2015!!! 

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business  days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2023-12-04
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/XXXX  i received a call from XXXX, when i answered the call i received a recorded message saying no agents were able to assist me, to call back. when i called the number back, i heard someone typing. after saying hello a few times, i received a recorded someone will be with you in a second. the girl then answered the phone and had me verify the number that called me a few times. she could hardly speak english. she asked me to verify my information which i refused, then she tried to get me to read a reference number she gave me back to her. I refused. she told me she found an account based off my phone number, but could not provide any details and had to transfer me. I informed her i was on the national do not call list and asked why she was calling.

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 2023-05-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified public records listed below are still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. You are allowing slander on my credit report. Your XXXX  need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete and NOT VERIFIED! 

XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: NRA Group, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Date : XX/XX/XXXX Agency name : National Recovery Original Lender : XXXX XXXX XXXX Amount ; {$1600.00} I sent multiple letters to the creditor as well as the credit reporting agency on XX/XX/XXXX ( XXXX and XXXX ) requesting VALIDATION of this account first class mail. The reporting agencies did not furnish requested documents supporting this is 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 2023-05-11
Company: Experian Information Solutions Inc.
State: TN
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:
Several Metro 2 non compliance issues found. 
XXXX account : XXXX Opened : XX/XX/2012 Payment history inaccuracies. 

XXXX XXXX Opened : XX/XX/2012 Payment history inaccuracies When I find inaccurate information, I'm aloud to have it corrected OR deleted. 
I want these accounts deleted/removed from my credit 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 2023-12-04
Company: Nelnet, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans used to be serviced by Nelnet. In XXXX of XXXX, I was informed the loans would be transferred to XXXX. And indeed they were transferred and my Nelnet account shows a balance of {$0.00} and a payment in full on XX/XX/2023. Since this time, XXXX has been servicing my loans with no issue. 

However, Nelnet continues to report all of loans to XXXX credit report. I have disputed the issue twice with Nelnet and twice to XXXX. As a result, my credit report shows a nearly double student loan balance ( because XXXX rightfully reports their balance but Nelnet continues to report a balance owed on all of the loans despite the transfer, full payment, XXXX balance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was at work when they tried to serve me the summons at my house and they left it with my friend, not even my roommate. I got sued for a medical debt that I wasnt even aware existed. The debt company never called me to leave me a message about the debt. The only reason I knew it existed was because they were suing me. It was for a XXXX dollar dermatology visit from XX/XX/2019. I have a health savings account and I have insurance for things like this. I was just coming off of accutane and had paid for all of my visits and meds. This was my last visit to make sure everything looked okay after completing my 6 months of accutane. I have all the records on file for it. I also called revere health to see if they had a record of how many times they called me before sending the bill to collections and they told me they had zero records of that. I also asked a woman that works for the debt company if she had records of them trying to contact me and all she said was Oh they always try at least once. If I dont know a number and no one leaves a message, then Im not calling back. So how am I supposed to know that I owe something if no one tells me hey, you owe blank amount for x, y, x, visit. I didnt even receive anything by mail and Ive lived in the same house for 3 years. 
When they first served me it was about a XXXX dollar amount they were charging me and then by the time my job received a writ of garnishment it had amounted over XXXX dollars. I barely make that in 2 weeks after taxes. I ended up having to take out a credit card and now its ruining my credit. XXXX dollar debt to XXXX dollars because they made me pay for their court fees and a bunch of other things. Also it went from XXXX to over XXXX within the time frame of like a month and a half. Theyve done this to a lot of other people and I think its horrific to do that to people in your community. People who do pay for their healthcare, who also pay their bills regularly, and then have to worry about extra fees on top of that. They are absolutely banking off the abuse of others. They should be ashamed of themselves and they should be fined or shut down. Hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Better Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In early XXXX, 2021 I initiated a mortgage application with Better.com. At which time I was quoted a closing cost on my mortgage of approximately {$8500.00}. The original amount is no longer available to me as they have completely removed any record of their transgressions from my portal. During an absolute nightmare of an underwriting process I was informed that because I was utilizing a co-signer I would have to get the deed re-titled so that the co-signer was added to the deed. This was very surprising to me as co-signers are not required to be on the title/deed of a home. With closing scheduled for XX/XX/2021 my final paperwork was generated just a few days before closing. Hidden in this closing paperwork was {$5300.00} of additional previously undisclosed fees that were required by the state to retitle the house. Now, better.com had told me over 45 days in advance of closing that the house would need to be retitled, but they instead decided to hide these fees in the final paperwork instead of disclosing them earlier in the process for fear of losing the refinance. It wasn't until closing, which I used a third party for, that I was made aware of the cost of this predatory and intentional gross negligence by better.com. They intentionally withheld this information from me until the XXXX hour so that I would not have time to find another lender as rates had already moved significantly against me during this time. When better.com was asked about this they said well you used a third party closing company so it's their fault. The fact of the matter is, I did not bring in the third party closing company until just prior to closing so better.com was responsible for generating assumptions for all fees associated with the refinance prior to the closing and in the good faith estimates. Better.com did not act in good faith and intentionally withheld the cost of retitling the house so that I was left with no choice but to pay the fees due to a requirement that they had generated. When a request for remuneration was set forth they refused to take any responsibility and severed communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an account online through XXXX and purchased a bag of dog food thinking this would be a good way to build my credit. I never received a card or a single piece of mail. After requesting it be sent multiple times I actually purchased a po box to try to receive the card. When I called Commenity Bank to update my address they did not tell me at that time they can not send cards to a po box and updated it anyway. To this day I still have not received a card, a statement, or anything showing my account information or where/how to make payments. I have called multiple times asking to pay the actual balance and take off the late fees and been vehemently denied. This is fraud. This is ruining my credit and is completely unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I use PayPal and I was looking at my transaction history to see how much my paycheck was that gets direct deposited. I noticed FOUR transactions that I did not make or authorize. They were all around $ XXXX {$68.00}. So I XXXX PayPal 's phone number and called it. From the very second the call started, the man who answered the phone was very broken up and I didn't hear what he was saying. So he then called me back from a different phone number. He stated that he was from PayPal and I explained everything. He said they were going to give me my money back but he had to make me go through some security steps to make sure my identity. He had me download an app called " XXXX  '' which I guess mirrors my phone screen and sends it to him. He then had me transfer the ENTIRETY of my money, every cent, to my cXXXX XXXX. And then from my XXXX XXXX he had me send the entirety AGAIN ( {$630.00} exactly, which didn't include the {$240.00} and some change from the unauthorized charges ) to a different account and that account DID NOT BELONG TO ME. He stated that it wasn't really my money, it was just a security task. So now, I don't have ANY of my money. And I have no clue what to do, because I thought because it was " PayPal '' that I'd get it right back.

Company response to consumer: Closed with explanation