BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Hello, I need all my statements and charges from 2016 I have been through this plenty of times with Target and they keep ingoring the fact and senidng me current statemtents. Just last week I was served with papers from a Debt collector and I have requested an arragement but I need to know what are the charges for and what is the amounts owed. I am entiled to this and I need the statements from 2016 to be mailed along with a Debt vaildation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One stopped sending paper statements without the ability to opt out and I've been late the last 2 months with late fees because I didn't see an email statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I paid my neighbor {$18.00} through Venmo for eggs on XX/XX/23. They received {$17.00}. 
When making the payment I clicked a toggle button I thought was to turn on paying for the eggs with my Venmo balance based on the " Turn on for purchases '' below the payment method with a toggle switch next to it. 
The toggle button was in fact to turn on purchase protection. 
I contacted Venmo with my concerns that this toggle button 's placement was misleading to customers and likely resulted in people paying a fee when they were not aware that they were doing so. 
Venmo credited my neighbor for the deduction but stood by it's assertion that the button was clear and not misleading. I reiterated my position three times requesting they address the issue as I felt it was misleading. They replied that it was not and was clearly labeled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I used the XXXX Bank ATM on XXXX XXXX in XXXX, MA this was about XXXX. I attempted to deposit {$1300.00} of which the an initial {$450.00} was being deposited when the ATM malfunctioned and shut down with my deposits in the machine. I waited in vain to receive my funds bank as the machine showed an error message on turning back on. I contacted the bank in regards to my experience and was promptly assisted including depositing a conditional credit while they investigate. However four weeks later the bank sent me a letter than after investigating they found only an overage of {$50.00} on that machine and immediately withdrew funds from my account. I was perturbed as to why the bank with cameras etc at the ATM machine would not share their evidence but simply made a decision without even looking at my own evidence. I had a recording and images of my own which I shared with the bank instead they ignored them and now continue to charge overdraft fees on my account. I have made several attempts to explain my situation but to no avail. I have lost confidence in using the ATM service as any malfunction falls squarely on me. This is a service I use because of long hours at work that are out of the bank operation times. I am requesting through this agency that the bank reviews its records including my own evidence which clearly shows no funds being released from the machine. And remove overdraft fees arising from this bank error.

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 2023-05-17
Company: AMERICAN EXPRESS COMPANY
State: NY
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 customer service

Complaint:
On XX/XX/2023, I called to inquire about downgrading my Amex Bonvoy Brilliant Account ( XXXX ), instead the agent accidentally closed my account instead. The agent stated that they were going to reinstate the account and that it wouldn't be an issue. A week later, with no new account, I called back and was told that they were unable to reopen my account and told me not to worry and that my annual fee of {$450.00} would be refunded. For the time being, they issued a {$37.00} credit instead. 

I called back a few weeks later and was told they messed up and that there was nothing Amex could do to reinstate and that someone would call me back. no one ever did. 

Amex messed up. Closed my account. 

Stole {$450.00} in annual fees and refused to refund it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
KeyBank has been making my life XXXX! 
I submitted my original complaint to CFPB on XX/XX/2021, Complaint ID : XXXX. The company took over a month to resolve the issue, and in that time the original issue created additional problems, more bank fees! I have tried calling KeyBank to resolve these additional fee problems, and I've also emailed KeyBank. I have headed all of the instructions they gave me, but THEY STILL HAVE NOT RESOLVED THE ISSUE! KeyBank is so broken and disconected. Sometimes I called in and spoke to one person and the next time I called in, the original person that I spoke to had been " let go ''. I emailed a branch manager by the name of XXXX XXXX, as instructed by KeyBank staff. That email included call recordings between myself and the bank staff so that I would not have to constantly keep repeating myself over and over and over. I never got a reply to that email, and STILL no remedial action has been taken. KeyBanks website is it's primary way for customers to interact with their account, but the website is so VERY lousy. And it's not just on the consumer-end either. I've spoken to KeyBank reps and have had them access my account while on the line with me, and they see the same thing that I see which is very little insight into my account. I openly invite the CFPB agency to access my actual KeyBank account online, so that I can illustrate exactly what I mean regarding the poorly organized KeyBank website. As of the writing of this letter, XX/XX/2021 KeyBank has hit me with fees amounting to what I think is {$75.00}. The reason I say " I think '' is because KeyBanks website is so poorly organized as I've mentioned before. The online portal only allows users to see the last THREE months worth of transactions on the account, and then everything else just disappears. When calling into a KeyBank branch and speaking to a rep, I've had one rep tell me that there are no fees and another rep tell me that there are fees. KeyBank makes it so hard to work with them, and they have no problem calling me constantly for debt collection purposes. I have kept all call recording and email communication associated with this issue. I have attached some of those call recordings to this complaint. There are more recordings that I am unable to attach due to limited space.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 please remove this fraud inquiry from 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 explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was a member of Wells Fargo for 4 years and believes they would hold my deposits past the time and make me overdraft

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 2022-10-06
Company: EQUIFAX, INC.
State: MI
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. 

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 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX  XXXX Account Number : XXXX. 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account Number : XXXX. 3. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX. Account Number : XXXX. 4.. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX. Account Number : XXXX. 5. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account Number : XXXX. 6. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account NumbeXXXX : XXXX. 7. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX. Account Number : XXXX. 8. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX. Account Number : XXXX. 9. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX. Account Number : XXXX. 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
A request was submitted on XX/XX/XXXX to this company with a FTC report and police report to block this fraudulent information from reporting. These companies have failed to comply with the law. They are still reporting fraudulent information thats allowing me not to be approved for accounts that I actually need. My federal protected consumer rights have been violated over a course of months of me reaching out to these companies. They respond stating these accounts are verified when they have yet to send me any contracts with my signature on it. Please help me resolving this information.

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 2022-07-08
Company: RoundPoint Mortgage Servicing LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was on a Covid-19 forbearance plan with Roundpoint Mortgage. At the time we started our mortgage balance was under {$290000.00}. I was advised I would not be accruing interest during the Covid-19 hardship. When my husband got a job and we were off the plan they modified my loan and without my knowledge added to our mortgage and brought the balance up to {$320000.00}. I have been paying on the mortgage for 9 months and the principal balance keeps rising as well. I was never told that my balance would go up and I was told that there would be no interest added. I was informed that the mortgage would be extended so the payments were lower and that the escrow shortage would be split into 5 years of payments. This is not what happened and Im trying to get my money back on all of the interest they added. I also want to know why my balance increased despite making over {$16000.00} in payments. I tried to solve this with Roundpoint but they said they cant help because my mortgage was transferred to XXXX XXXX. XXXX XXXX  is saying they cant help me because this was something Roundpoint did.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: In progress
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I obtained my credit report, on XX/XX/2022 I and asked the credit bureaus to check and make sure everything was accurate according to 15 USC 1681i I waited 30 days and received nothing for response from the consumer reporting agencies, Which is a violation, Transunion, XXXX, XXXX. 
They did not remove anything. 
Also XXXX keeps modifying my dispute date which is a violation of my rights as well. 
This is negatively impacting to pursue buying a safe home for my family.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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

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 2021-08-24
Company: Experian Information Solutions 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 XXXX ASKED BUREAUS TO NOT REPORT DATA FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. BUREAUS NEED TO FOLLOW REQUESTS AND DELETE. THIS IS NOW PAST DUE.

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 2022-11-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED / XXXX XXXX XXXX XXXX, XXXX DEPT OF ED / XXXX XXXX XXXX XXXX, XXXX DEPT OF ED / XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have identified information on my credit report that is a result of identity theft. These items are not related to any transactions completed by me. 

XXXX XXXX XXXXXXXX XX/XX/2019 XXXX XXXX XXXX XXXX I have expressed this concern verbally and orally to the reporting agency over 30 days ago.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
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 non-monetary relief
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. REPAIR or CORRECT these items that caused me so much stress. 

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 non-monetary relief