BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, my son and I opened multiple bank accounts at the Huntington Bank XXXX XXXX XXXX XXXX in XXXX, OH with XXXX XXXX. Both of us had a coupon for a bonus to open the accounts. My coupon was for {$200.00} and my son 's coupon bonus was for {$150.00}. XXXX XXXX said that we both would receive the bonuses, even if I open the account with my son. I received my bonus in XX/XX/2022. However, my son never received his bonus despite XXXX XXXX stating that he would receive it. The last time that I spoke to the Branch XXXX XXXX XXXX in XXXX or XX/XX/2022, she stated that her supervisor said that he would not rectify the issue. When I reminded her that XXXX stated that we each would receive the respective bonus and that if he had not stated that, then I would have had a grandparent open my son 's account with him instead of me, she said that she would talk to her supervisor again and then get back to me. As of today, XX/XX/2022, I have not heard back from XXXX XXXX or her supervisor. Please process my complaint and ensure that my son get his bonus, as promised by Huntington Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/2021 and XX/XX/2021 I sent letters to Experian Credit Bureau disputing the information being reported by XXXX XXXX XXXX. XXXX XXXX XXXX is an outdated account and the account has been paid in full. I also, informed them to that they are reporting delinquent when the account has been paid in full. I have yet to receive an update from Experian removing the inconsistencies.

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 2017-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never had a capital one card, I have contacted them by phone, through mail and disputing my credit report. I do not owe this debt, it was a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: WELLS FARGO & COMPANY
State: NC
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:
XX/XX/XXXX Wells Fargo Card Services XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 15 U.S. Code 1681 ( E ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic person information. '' Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ''

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 2023-05-02
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citi bank continuously for a year illegally withholding money from my account and never credited the sign up bonus to my account after all conditions have been met almost a year ago. The bank has been informed and sent by regular mail already twice all the documents they needed signed back to them, however, they continued to withhold the money from my account on a monthly basis and never credited my sign up 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 2022-11-20
Company: Experian Information Solutions 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:
XXXX is reporting 60 days late. This is not true My account is placed on a hardship program

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 2022-11-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I will be making a police report and uploading all evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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: Credit inquiries on your report that you don't recognize

Complaint:
The following Inquiries do not belong to me nor did I authorize them : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My reason for filing a claim is because our mortgage is a 30 year mortgage and I was moved three times to a different mortgage company and I have been in this house for a total of XXXX  years and with this mortgage company XXXX Mr. Cooper XXXX for 14 years and with the prior company XXXX XXXX XXXX XXXX XXXX for approximately six years. My issue is that I am still paying {$540.00} interest on the fixed loan which is 5.2 % on a monthly basis. All that goes to the paying of the loan is {$310.00} and taxes and escrow amount is {$680.00}. I believe that I am being swindled out of money because of the situation that I have just explained to you and also the fact that my payment never goes down, only up on a yearly basis. The loan # XXXX Mailing address for the company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX. My address is XXXX XXXX XXXX, XXXX, NJ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has two collections account on my credit report as past due : XXXX XXXX XXXX shows a past due balance : {$1000.00} XXXX XXXX shows a past due balance : {$3600.00}

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 2023-12-15
Company: WELLS FARGO & COMPANY
State: NC
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:
XX/XX/XXXX Wells Fargo Card Services XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX  Charged off turned into a certificate of indebtedness According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 15 U.S. Code 1681 ( E ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic person information. '' Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ''

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 2023-06-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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

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 2023-02-10
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Or list of inquiries 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-20
Company: Nelnet, 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 student loans are being reported on XXXX and XXXX with one erroneous 90- day late payment in XX/XX/2019 ; there are no prior late reporting and my loans were in deferment at the time. I have tried on numerous occasions to dispute the items on my credit report, but there is no change to the reporting that addresses this specific issue. The loans are all broke down separately, so it shows as 19 separate 90 day late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Army and Air Force Exchange Service
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The organization Army Air Force Exchange Services ( AAFES ) claims I owe them {$250.00}. I have never had any previous credit or debt with AAFES. I have contacted the company many times asking to identify and provide supporting documents. They have failed to provide any information to support the fact that this debt is valid. For non payment they have sent this to a collection agency XXXX XXXX. As of XX/XX/XXXX a letter states that I owed {$250.00}.

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 2023-07-13
Company: WELLS FARGO & COMPANY
State: WA
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:
I got credit and payed my rent before close my account then when close my account the claim got deduct back. While that happen they took XXXX out my direct deposit check from my job for early direct deposit on cash with using well fargo Debit card saved on there. So been 3 months and been told send by check. And never got my money for rent I am late behind cause of this.

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 2023-12-15
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX  I reached out to XXXX to ask why my new mortgage holder was not reporting that they are servicing my loan. I asked this because it is not showing on my credit report and shows that the loan has been paid in full. This is negatively affecting my credit score. They told me the new bank ( RoundPoint Mortgage Servicing, LLC ) would need to report this to the credit bureaus. I called the new bank and they informed they will not report it for 60 days and did not explained why they wouldnt report it earlier. In the mean time my credit score has been negatively affected by XXXX points without me doing anything at all.

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 2023-07-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me 15 times in the last 4 days XX/XX/XXXX : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX ( at the time of submission, trends dictate there will be at least 1-2 more calls tonight ) : XXXXXXXX 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 explanation
Consumer complaint received 2023-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previously disputed account through CFPB reference # XXXX account is reporting inaccurate on credit report stating and I have tried fixing this situation through bureaus and account continues to come back inaccurate. Results from CFPB complaint didnt solve the issue. Account continues inaccurate stating as XXXX acct. open by XXXX XXXX while closed by XXXX. XXXXMissing date on date verified by XXXX. XXXX is stating Open while derogatory and in collection all at the same time. This is impossible! Account has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
U.S. BANK EMPLOYEES, DEEMED TO BE MANIPULATING FINANCIAL SCAMS ACTIVITY WITH OUR CHECKING ACCOUNT. AS FAR AS RE-CHARGING, OR REINSERTING SOME OF THE ITEMS BEEN ALREADY PAID FOR WITH OUR ACCOUNT, ACCORDING TO STATEMENT. ALSO ; PAYMENT MADE DEEM CHARGING US FOR OVERDRAFT ON CHECK PAYMENT WAS SENT OUT ON XX/XX/2018 CHECK # XXXX AMOUNT {$1700.00}. AND ; MY RETIREMENT PENSION DEPOSIT ALWAYS IN ON XX/XX/XXXX OF EACH MONTHS AT XXXX. WHICH I FELT LIKE NEXT DAY TRANSACTION SHOULDN'T BE CHARGED FOR OVERDRAFT PERHAPS. FOR THE FIRST TIME THIS EVER HAPPENED. ALSO ; MY WIFE WENT TO U.S. BANK TO CASH OUR CHECK FROM XXXX. MY PENSION INCREASING. AND THE EMPLOYEES PUT IT IN AS A DEPOSIT, INSTEAD OF CASHING IT. DEVIOUS ACTIVITY IN TERMS OF BRINGING CONSTERNATION, MANIPULATION ACTIVITY. TO FINAGLE US WITH OUR CHECKING ACCOUNT, OBVIOUSLY. MANIPULATION ACTIVITY U.S. BANK ARE DOING ARE EXTREMELY DEVIOUS TOWARD MANIPULATION IN ORDER TO SATISFY THEIR FINAGLE ACTIVITY WITH US, AS WE ARE SENIORS CITIZENS OF THE UNITED STATES OF AMERICA. THIS MUST BE STRICTLY SCRUTINIZE FOR FRAUD ACTS, AND ACTIVITY. MUST NOT TOLERATE ANY OF THESE TYPE OF MANIPULATION. AS WE DISCOVERED. HOW THE TOP GOVERNMENT DISHONEST, LIES ON SERIOUS MATTERS PERTAINING TO OUR FEDERAL GOVERNMENT AS A WHOLE. AND SOME PEOPLE, EMPLOYEES MIGHT TAKE ADVANTAGES OF WHAT THE LEFTIST LIBERAL ARE DOING TO OUR COUNTRY, AND, OUR GOVERNMENT EVILLY, DEVILISH LIAR, LIES, ETC. WE MUST EXTREMELY CAREFUL ABOUT. WILFUL FRAUDULENT SCHEMES ACTIVITIES LEADING OUR COUNTRY NOWADAYS ... WITHOUT DISCIPLINE AND PENALTY TAKE PLACE ... .NOTHING CAN BE ACCOMPLISHED IN TERMS OF REINFORCING AND ENFORCING OUR LAWS AND CONSTITUTION FOREMOST. & OUR RULE OF LAW ... SEMPER -- FIDELIS ... .XXXX ... .MOTTO ... ... FOR SECURITY.

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 2022-11-20
Company: AMERICAN EXPRESS COMPANY
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I was robbed of all my possessions and my American Express card is one of the items stolen from me. I filed a police report with XXXX Virginia police department. I have contacted American Express in more then one occasion seeking to have all fraudalent charges removed from my account. I have no access to the account online. To this date the account has not been resolved.

Company response to consumer: Closed with monetary relief