BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Responded to an offer sent to platinum card members last summer to open a savings account with $ XXXX and earn XXXX points. Met the minimum required amount on XXXX XX/XX/XXXX, added another deposit, and have yet to withdraw the money from the account. The promotion stated that the account had to remain open for at least 90 days for the points to be earned. 
In XXXX or XXXX, I contacted American Express and a representative stated that the points would be applied in XX/XX/XXXX. 
In XX/XX/XXXX, the points were not applied, but I figured that perhaps there's a delay due to Covid. 
When the points hadn't been applied in early XXXX, I called American Express. A 30 minute phone call resulted in the agent stating that I did qualify for the points, but there was some type of system issue so they weren't applied. My name and number was provided for the company to reach out to me in 7-10 business days. No contact was received nor did I receive the points. 
My last attempt to resolve this was on XXXX XX/XX/XXXX. I spoke with an agent for more than 20 minutes who escalated the issue to the person in charge of the program. To this day, I have received no communication from the company ( other than the bill ). 
To clarify, none of the money funding the account has been withdrawn to this date. My rewards account still does not reflect the addition of the XXXX points that are due me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally file a complaint regarding my persistent efforts to correct a late open account on my credit file with your agency. Despite numerous attempts to address this issue, I have been met with continuous challenges and an unresponsive resolution process. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open account remains on my credit file, affecting my creditworthiness and financial stability. 

I respectfully request the following actions to be taken promptly : A thorough investigation of the late open account in question, including validation of the information with the creditor. 

If the account is found to be inaccurate, the immediate removal of the late open account from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit file, once the issue has been resolved. 

A detailed explanation of the actions taken and the outcome of the investigation. 

I urge you to address this complaint as a matter of urgency. I understand that resolving such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your immediate assistance to correct this account : 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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a XXXX XXXX account though XXXX XXXX XXXX  on XX/XX/XXXX. I was making payments on time but then fell behind. I received a letter in the mail in XX/XX/XXXX saying they were offering me a settlement offer for {$1600.00}. I called around XX/XX/XXXX to agree to the offer. I gave them the payment information and they processed the payment. The payment came out of my bank account on XX/XX/XXXX. I received a confirmation number and was told my account would be closed and that it would show up on my credit report as paid in full by less than full amount. 

A few weeks after I paid the settlement amount, I received a bill in the mail saying I owed a monthly payment of over {$400.00}. So on XX/XX/XXXX, I called the XXXX XXXX card, spoke to a man named XXXX and asked why I was still receiving payment notification letters after I already settled the account. I was told that it would take about 21 days to close the account and disregard any future emails or bills and I'll receive a letter in 21 days. 

I kept receiving bills and email notifications and noticed that on my credit report it was showing delinquent and affecting my score. 

On XX/XX/XXXX, I called the XXXX XXXX card again this time being more stern in my approach telling them that the account was settled and that it was suppose to be closed 21 days after XX/XX/XXXX and I'm still getting bills. The man named XXXX transferred me to an Account manager named XXXX, who apologized for everything and said she would send an email stating the account is closed and has been settled and would take care of the credit reporting issue too. She mentioned she would call me back in 1-2 days to let me know the status of everything. 

My problem with this whole situation is that it don't seem there's communication being relayed and that my credit has been taking a good hit. 

If there's anything you could do, that would be awesome! 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: RI
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 a victim of identity fraud, my identity and personal information was used to fraudulently open accounts

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 2022-09-16
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance of my existing mortgage through PHH on XX/XX/2022. I was conditionally approved during the application process after my credit evaluation and income verification. I was then told by my loan processor XXXX XXXX that I needed an appraisal for my home at my expense. I paid appx {$580.00}. My loan app proceeded to underwriting in which they sent me over a list of conditions. I submitted all the required documentation. A week went past and o didn't hear anything so I reached out to my loan coordinator XXXX. She told me that my loan was being sent back because I didn't have enough income to support the loan. I told her that I was already approved to refinance with cash out after I submitted my paystubs and w2 's. She said well they must have over looked something. You will be contacted in 24-48 hours with a decision. I waited 48 hours before I called XXXX to check on the status. She never returned my call however she sent an adverse action letter to my email. I emailed her in reference to the denial notification and she said she thought my income was good she doesn't know why the loan was denied. I felt this was very unprofessional and unethical of PHH to have me go through the process only to deny me after they pulled my credit which dropped my points by XXXX. Also caused me financial hardship by paying for an appraisal that I'm not going to get reimbursed. In addition to the mental and physical stress this has caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Why are you all allowing Navient to get away with ruining so many people 's financial futures? Have you not looked at the complaints, which basically tell the same story -- that this company has no business handling loans, or even being allowed to operate? 

I have complained before, to no avail, about how my loans were handled. Number one, they called my employer back when I worked for XXXX several years ago, something I had never told them was okay to do. Then, when I began paying them {$210.00} a month after being told for MONTHS that I HAD to pay {$1200.00} ( the first request for that ludicrous payment was made not even a MONTH after I graduated when I was only making {$11.00} ), I ASSUMED that my payments were being split up between my multiple accounts. I AM STILL WAITING for someone to explain to me how ANY of those loans went into default. The only conclusion I can draw is that my payments were NOT being applied as they were supposed to. Not only that, the balance NEVER WENT DOWN. Now I'm getting sued left and right after asking for HELP. I don't understand how this can continue to happen. I was NEVER offered IBR, I was told I had used up the ONE forbearance I was allowed, etc. This is crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2020-10-03
Company: EQUIFAX, INC.
State: VA
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:
For a period from approximately XX/XX/2002 to the present the U.S. Department of Education ( XXXX, XXXX XXXX, etc. ) has failed to report accurately the information on my credit report ( s ). There are verifiable payments made from three different credit union accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) where XXXX XXXX XXXX is the accountholder in which she has paid student loans in the amount of $ XXXX {$300.00} or more per month but the information is not reflected on her credit report ( XXXX ). XXXX XXXX XXXX has received education for XXXX XXXX programs and earned degrees ( XXXX and XXXX  ) as well as a educated in a XXXX  of XXXX  ; earning ( holding an XXXX ) and finally a XXXX XXXX XXXX ( XXXX  ) that has been placed on hold ( deferment ) due to financial aid or U.S. Department of Education errors at a XXXX  University.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Company name : Wells Fargo Company name : XXXX Originally made a purchased on XXXX on XX/XX/2021. Returned the products as I no longer needed them. Received refund on the purchase on XX/XX/2021. 

XXXX had charged me again on XX/XX/2021 for the same purchase and I filed a claim with Wells Fargo on XX/XX/2021. I let the representative know the details of the situation. After speaking with multiple departments from Wells Fargo, I have now learned that the claims assistant should have filed the dispute as " unauthorized '' instead of " fraud ''. The claim is now over and I have " lost '' the claim. Wells Fargo is no longer willing to help their customer of over 10+ years.

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 2020-05-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX XXXX  opened XX/XX/XXXX amount {$750.00} and XXXX date opened XX/XX/XXXX amount {$11000.00} both XX/XX/XXXX and XX/XX/XXXX. I included a notarized FTC report to both companies as well as credit bureaus and the accounts have not been removed. These accounts are not mine and was opened fraudulently.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 name : # XXXX, Account name : # XXXX, Account name : # 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 a 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 2022-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
At XXXX on XX/XX/22 I received an email from Bank of America stating that an Online Application is in Progress. I received multiple more emails from the Bank of America stating, Your application was approved, Welcome to Online and Mobile Banking, We're confirming your contact information has been changed, etc. 

I called Bank of America fraud support when they opened at XXXX on XX/XX/22 and they confirmed an account had been opened under my name from someone at an address in XXXX XXXX XXXX NJ XXXX They stated a checking account was opened as well as a debit card, but nothing was charged to the account yet. They reported the debit card was canceled and they closed the new checking account. They instructed me to contact the credit bureau to report that my identity and social security had been stolen/compromised.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute by mail to verify somethings on my credit report, transunion sent me a letter saying it appeared the letter didnt come from me, I called to verify I sent the dispute letter in and I was transferred to different departments over an hour till I got a supervisor who gave me the run around and still wouldnt take my dispute letter but wanted me to start a new dispute.

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 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
For a period from approximately XX/XX/2002 to the present the U.S. Department of Education ( XXXX, XXXX XXXX, etc. ) has failed to report accurately the information on my credit report ( s ). There are verifiable payments made from three different credit union accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) where XXXX XXXX XXXX is the accountholder in which she has paid student loans in the amount of $ XXXX {$300.00} or more per month but the information is not reflected on her credit report ( s ). XXXX XXXX XXXX has received education for XXXX XXXX programs and earned degrees ( XXXX and XXXX  ) as well as a educated in a minor of XXXX  ; earning ( holding an XXXX ) and finally a XXXX XXXX XXXX ( XXXX ) that has been placed on hold ( deferment ) due to financial aid or U.S. Department of Education errors at a XXXX  University.

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 2019-10-10
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Regions Bank has charged me overdraft fees on items when there were funds in the account for the purchase. Regions could not give me a valid explanation and did not give me my funds back.

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 2023-07-23
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had to take part in the Cares Act for non payment of mortgage around mid year XX/XX/2020 due to Covid-19 and again soon after the 6 months for same reason. I was told that at the end of the 6 months to call my mortgage lender and the balance owed would be added to the back of the loan. Apparently this never happened because before we knew it our home was on the Sheriff 's sales list and at pre-foreclosure! The bank wanted {$41000.00} upfront in one lump sum! We could not do such a thing so we were put on foreclosure. My husband had to declare bankruptcy! to keep the home. We're making payments every month but struggling to do so ... {$1800.00} roughly a month. {$1000.00} ( Current mortgage amt ) plus {$800.00} ( Past due mortgage ). I'm reading that this wasn't supposed to happen! Any help would be greatly appreciated. 


Thank You,

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 2021-06-10
Company: Chime Financial Inc
State: MI
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:
I purchased a service with my credit card. The company to date never performed service. I dispute the charge with the bank which is Chime. I f=contacted Chime in XXXX to open a dispute. They contacted me two days ago sating the investigation was complete and no error on the merchant was found. 

This company NEVER performed the service yet Chime found in their favor. I requested the documents they used to arrive at their nonsense position. They said it could take up to 30 days to provide. that to me. 
They did not investigate my account following master-cards guideline and am still owed the original {$350.00} charge from the non performed service

Company response to consumer: Closed with explanation