BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX ( and other dates ) I received a promotional email from Bank of America about a BankAmeriDeal. According to the deal, if I used my Bank of America card to sign up from XXXX XXXX XXXX, I would be rewarded with {$5.00}. 

I signed up for XXXX XXXX XXXX  on or around XX/XX/XXXX ( according to the BoA rep I spoke with later, the transaction posted on XX/XX/XXXX on their end ). Bank of America never provided me with the {$5.00} reward. 

When I called Bank of America on XX/XX/XXXX and XX/XX/XXXX to inquire about this, I was provided with the following explanation : Because the merchant ( XXXX ) coded the transaction as " XXXX XXXX '' rather than " XXXX XXXXXXXX XXXX '' I was not eligible for the promotion. 

I have proof that I signed up for XXXX XXXX XXXX using my BoA credit card, and I offered to provide that proof to BoA. Bank of America said there was no way for them to review that proof and that there was nothing further they could do. 

I believe this was a deceptive practice. If Bank of America meant that I would get {$5.00} for signing up for " XXXX XXXX, '' they should have said that in their promotion. But they said that I would get {$5.00} if I signed up for " XXXX XXXX XXXX. '' I did sign up for XXXX XXXX XXXX, and they refused to give me the {$5.00} bonus. It's unfair for them to not hold up their end of the bargain. Their back-end coding issue, which was never disclosed upfront, should not excuse them for refusing to follow through with their end of the bargain that they advertised.

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: U.S. BANCORP
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
US Bank credit card was opened in my name as a joint owner. I have no recollection of this said account, and neither does the primary person listen on this US Bank. It is reflecting that I owe US Bank {$1200.00}, which I do not. US Bank has placed a negative on my credit report. It is closed, with remarks of charged-off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
State: TN
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:
Since XX/XX/2016, this account of {$1200.00} has been on my XXXX  and Equifax credit reports from XXXX XXXX XXXX XXXXXXXX XXXX. I have been disputing and asking validation for several years to both the creditor and both agencies. So finally this past XX/XX/XXXX XXXX deleted the collection account based on my disputing this incorrect negative information plus Hippaa laws but Equifax didn't remove claiming it been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: DISCOVER BANK
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
This is a Double charges. The Merchant had both of my card in their system. I paid it once with my Master cards ending XXXX on XX/XX/2022. Please Review the Receipt uploaded. 

The Merchant Charged {$500.00} once in My XXXX XXXX Master card ending XXXX on XX/XX/2022. 

The XXXX time was Not Authorizes that charge to Discover card ending XXXX on XXXX, ( Double-charge ) I had Paid all my Credit Cards on time, and is not right for customer to paid it twice. 
The 2nd time charges is Unauthorize to Discover Bank. Please Review.

I only respsonsible for paying 1 time deductible only. 
they had both of my card on their system Discover cards, and XXXX XXXX. i have to call in to have new card re-issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-18
Company: Dynamic Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received in the mail a letter to collect {$690.00} in debt. Does not explain where the debt is coming from and I've had no other warnings or idea about this debt prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 non-monetary relief
Consumer complaint received 2023-04-20
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: AC AutoPay LLC, Denver, CO Branch
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a refinancing loan from a website through XXXX XXXX by the name of AUTOPAY ( XXXX XXXX ) on XX/XX/2021. I provided all of the required information to loan officer XXXX XXXX ( XXXX ) online. I was sent a package through docusign for all documents to be signed printed and have notarized. I repeatedly asked was the loan approved. She ( XXXX XXXX ) reported yes and this is why i had to get power of attorney for title transfer notarized. I later called because i wanted to know when they was gon na pay off the old loan and assume the new loan. At this point i was told they needed more check stubs. I get paid monthly on the XXXX and had already given the stubs for the prior two months. I explained I would not have another stub until XX/XX/2021. She insisted the lender needed another stub immediately or the loan would be denied. How can i provide something I don't have until I am paid on the XXXX? I explained and asked why do he need another stub? I provided tow months prior and I have to wait on pay day to provide XX/XX/2021. I also stated i have bank statements, w2 for prior year and I don't understand why they needed something I don't have until payday. I was asked to send information I have not receive myself ( Check stub XX/XX/XXXX ) .Later I received a denial letter stating something different then reason i was told denied.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: FL
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:
I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET AND IT BEEN ALMOST 90 DAYS ALREADY. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS AND WON'T TOLERATE IT ANY LONGER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
State: MI
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 card closed my account on XX/XX/2020 because inactivity.This is not the case. The truth is XXXX card closed my account because of the covid-19 pandemic as well other peoples accounts.As soon as the covid-19 pandemic hit especially in michigan where i live, XXXX immediately closed my account.From reports i read and listening to the news, XXXX and other credit card companies decreased limits or if there was no balance, they closed the accounts.Because of this, my credit score has decreased and this account will show closed for many years hurting my credit and score.I have tried fixing this but im not getting anywhere.This must be looked into.Its not fair what they did

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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:
I tried to fix the incorrect name on my credit report. I have already sent out copies of SSN card, W-2 form, driver 's license, passport etc. Each time I got different response : 1. first few times they told me to send copies of ssn card, driver 's license etc which are exactly the same documents I have sent out.

2. then I called them and operator told me that despite sending out the documents, I had to call them in person in order to fix the name. This was never mentioned in their result letter. The operator told me that it would be fixed this time. This happened within a month after sending out docs.

3. then my name was still not fixed after a long time. I called again. This time another operator told me that the result was " SSN card is for work only ''. I pointed out that despite of that I did send out W-2 as well. The operator admitted that W-2 can be used for SSN purpose as well and tole me it be good this time.

3. then my name was still not fixed after one month, this time a 3rd operator told me that my documents are too old that they could not use. It has to be within 60 days. She asked me to send the exactly same doc again. But she had no answer when I ask why did she think the same story wouldn't repeat after I send docs again. 

Each time each operator told me different contradicting information. The whole process is delayed and ruined by their mistake but all they want to do is to ask me to repeat exactly the same process with no fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: NEW YORK COMMUNITY BANCORP INC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly payment is {$2400.00}. The bank after a single year has 'found ' a shortage of my Escrow, that they are responsible for calculating. They are now claiming my monthly payment is {$32000.00} which is > {$700.00} dollars different. They sold me on the reduced mortgage amount during the refinance process and now have taken back any savings that I had from the refinance. The Bank deliberately low-balled the escrow estimate to get me to sign the new loan, which is Fraud. Flagstar bank has conveniently made an error in their favor on a regular basis that has impacted my financial status over the last year of having the loan with them. Their 'miscalculation ' is 77 % higher, my taxes didn't go up by 77 %. My Tax value went up by 15 % not 77 %. There is no reasonable reason why my escrow value should double.

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 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 previously sent toTransunion and XXXX  documentation that I have been a victim of identity theft, please see attached FTC report and required Identification again for this second request

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 2020-08-16
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
I had received a package first class, in the mail, the next day. After making a checking account with little to no funds in my bank account. What was in the package surprises me, checks! Three solid books of checks. I am XXXX  XXXX in debt and broke and needed checks? Especially when covid-19 took my job, my rent payment, electric bill payment and poverty stickered me sick. I had no choice but to bounce and fraud  checks with banks and stores to get by. I needed to eat, maintain a level of health and hygiene and keep up on day to day living. Now I didn't ask for blank checks at all or any form of check but three. I am so broke i needed to write checks to myself. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Credit Plus Inc
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 My credit was accessed by a Credit Plus on behalf of an unknown mortgage company, I was trying to obtained a mortgage pre qualification, i have provided to them all the required documents and sensitive information, the mortgage broker responded via text message stating that i would be needing a co-signer in order to be qualified, no other information was given, i have made several request for them to provide me with written denial and reasons and none of those request have been met, i have reached out to them multiple times without success. They also informed that they did not pulled my credit report yet it remains as an inquiry on my report, please advised me in how to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: NY
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
An electronic payment of {$320.00} was transmitted to Barclay 's in the on XXXX by XXXX XXXX XXXX XXXX. Barclays '  repeatedly refuses to credit my acount and continues to try to charge me interest on the money it has already been paid. Proof was submitted verbally, and in writing over 5 times that the payment was made. Each time a contact is made, Barclay 's says it can not correct the problem because requested information is missing. I confirmed several times that Barclay 's has the information it requested. In several calls, reps refused to connect me with a supervisor. on XXXX XX/XX/2020, at XXXX I spoke to Supervisor XXXX ( XXXX XXXX ) who confirmed Barclays has the info, and has had it since XXXX. On XXXX XX/XX/2020, XXXX sent me the same letter, refusing to credit my account. 

There are at least two cases set up with Barclays to address this problem. The case numbers are XXXX and PYT XXXX I do not know if I am being discriminated against due to my status as a Senior citizen, or if this is a more widespread, business practice. 

I encourage the Federal government to initiate a broad investigation to determine if this a pattern and practice of Barclay 's. 

It is difficult to determine if this is outright fraud, or just monumental incompetence

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: CL Holdings LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no idea who these people are. I got a notification on XX/XX/XXXX from my XXXX app stating that I had a new collection from Jefferson Capital for a XXXX XXXX bill for {$200.00}. I have never received any previous notification from this company. I work hard to keep all my contact information up to date on my credit reports, which show my current phone number and address, yet these people have not notified me in writing or validated that this is my debt. I have had XXXX for over 5 years so I have no idea what they are referring to. It is so disgusting that these collection agencies just get to do what they want and ruin people 's credit. I sent them a certified letter that arrived last Thursday XX/XX/XXXX, and yet here they are today adding this garbage to my XXXX report despite me stating in the letter I was disputing this and to tell the 3 bureaus that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I will be XXXX years of age on my next birthday I tired of company reported incorrect information that affects my life for years. Company making money of my back, Im tired of this Experian just reported that I live at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Its a mobile home park, I never lived. Im tired of dealing with this XXXX. I tried to submit it dispute and it will not go throw. Its like Experian just patronize with company of means. 

Again I dont live at XXXX XXXX XXXX, XXXX XXXX, CA 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 2023-02-13
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation