BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX : On XX/XX/XXXX, my husband XXXX XXXX died. I am his wife/widow and was appointed as his Personal Representative. I quickly notified Citibank of his death and subsequently provided it with the documents issued by the Court. Citibank assigned it to XXXX XXXX XXXX Services ( XXXX  ). XXXX advised in several phone calls that once the account was assigned to it, that ALL late charges and interest fees were frozen and that the amount owed was the amount due on the date of XXXX XXXX ' death. I asked and their representative could not tell about repayment deadlines. XXXX 's letter dated XX/XX/XXXX shows the amount owed on that date as {$4500.00}. I made payments to Citibank : XX/XX/XXXX : {$180.00}, XX/XX/XXXX : {$750.00}, XX/XX/XXXX : {$350.00}, XX/XX/XXXX : {$500.00}, XX/XX/XXXX : {$350.00} TOTALING : {$2100.00}. On XX/XX/XXXX I called XXXX & asked for a balance. Their Representative said the account was returned to Citibank in XX/XX/XXXX & gave me a phone number to Citibank Probate Dept. On XX/XX/XXXX I received a 1099-C issued to XXXX which shows a date of XX/XX/XXXX for {$4300.00}. I called Citibank & spoke to Representative # XXXX and asked how Citibank got the amount in the 1099-C because the amount didn't reflect the payments I made and NO ONE told me that it was going to be " Cancelled '' or that a 1099-C would be issued. She told me she didn't have any information & to talk to my tax advisor. I told her that suggestion was ridiculous and that my tax advisor would have NO information. I asked for a Supervisor or Manager. She said none was available. I asked for the name of someone somewhere that I could ask my questions & was referred to the Presidential Dept of Citibank in XXXX XXXX, SD which she said had NO phone number, NO fax number and NO email address. I sent a letter to the address on XX/XX/XXXX. Today I received a letter from Citibank dated XX/XX/XXXX which said the debt in the 1099-C was accurate and gave me NO other options to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was received a promotion by chase to be able to transfer {$1700.00} with 0 % APR. I happen to make the transfer from my citi bank account to chase. I happen to see that chase approved the transfer but was not seeing the reflection on my citi bank account. A week had passed and they were telling me it could take time. I happen to call about 2 days ago and I then come across a representative that told me I happen to plug in the wrong numbers to the account. I couldnt understand how was it that it was approved without the numbers being completed of where it was being transferred to. I then ask the representative about this and he explains when you do it online the bank does not verify anything they just see if its approved or not. I was never sent an email nor given a call about the numbers being incomplete. They then go to tell me if I fix it I may not have enough time to take advantage of the promotion because it takes 30 days to fix. I called in to just cancel everything because my credit usage is higher due to this transfer I was initially suppose to make. I dont think its fair I have to wait 30 days for this to be fixed when it should of never been approved if the information didnt match.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$120.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$310.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I worked for American companies for 10 years and lived in XXXX for almost 7 years. 
Upon leaving the USA in 2012, I kept the bank account open so that in the future I could receive the monthly withdrawals of the XXXX funds, accumulated over the period worked By chance my account, which was at XXXX in XXXX, migrated to BB & T ( now Truist ). I made an agreement with the branch manager to keep the account open and leave the necessary amount so I don't have to pay any fees or expenses. 
I am an XXXX XXXX  and finally I returned to my country of origin ( XXXX ), because I intended to retire there. I'm currently XXXX and need to move money between accounts, ie XXXX or bank-banks... 
I opened a formal complaint with their central, but they didn't even give me any feedback... 
It's amazing how this company doesn't have a form of communication by email or even an ombudsman... nor did I receive any protocol number for my complaint... that is, XXXX quality control. 
Surfing at internet I found XXXX XXXX XXXX, which I made a compliant there ( case XXXX ), and lately I saw that an agency like CFPB exists. 
Just after making a compliant in XXXX  I received an email from a lady called XXXX XXXX ( client resolution senior specialist/client advocacy ), stating that they do not offer OTS Outside Transfer Service , for whom that having residence outside USA, even transfer between American banks our financial institution managing XXXX funds. See attached email. 
She stated that the only way to have access to my money is going to the branch what a surreal and inconsistent issue as I have XXXX even having all vaccination done ( three doses ) the Omicron is spreading to fast and it is a high risk for my life! I do not know why they can do that, impeding me to transfer online my money to another USA bank and obliging me, just going to that branch in Texas to solve that issue and having access to my money. I have bills to pay and this is imposing extra financial expenses, due to that lack of not having the money.

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 2023-05-08
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX I contacted XXXX XXXX regarding an increase in my auto insurance coverage because I no longer had property insurance through XXXX  and effectively lost the discounts that I had been receiving. I learned that my property coverage in the amount of {$1800.00} was cancelled and my policy could not be reinstated, and new policy coverage would cost {$2900.00} due to rate increases in Texas. 
I contacted my mortgage company Loancare XXXX XXXX XXXX # XXXX ) to inform them that my property insurance hadn't been paid although I had been paying my mortgage in full every month to include my mortgage, taxes and insurance. My mortgage was transferred to Loancare/XXXX  in XX/XX/XXXX and my previous mortgage company escrowed my property insurance payments. The Loancare/XXXX  employee XXXX stated that there was a not on my account stating that an escrow account for insurance wasn't required. XXXX said that she was escalating my complaint and the error would be remedied and an escrow account would be setup by Friday, XX/XX/XXXX. 
I contacted Loancare/XXXX  on Friday, XX/XX/XXXX and was passed around to several employees, each not seeming to be aware of my issue and each were uninterested in helping me to resolve their error. After remaining on the phone with Loancare/XXXX for XXXX hours, I received a follow up email that my case had been escalated and assigned to a Case Manager and to allow additional time to research my concerns. My case id number is XXXX XXXX XXXX. 
This morning, I contacted XXXX XXXX again hoping to reestablish property insurance so that my home does not continue to be uninsured. During this phone call I learned that the rates have increased once again and the new premium is {$3600.00} which is 200 % increase in the amount that I was paying before Loancare/XXXX  failed to escrow and pay my property insurance. 

This error has placed an unfair financial burden on me and my family. This error increases my monthly mortgage payment by more than {$300.00}. I believe that it is unfair for me, as the consumer, to have to pay for the error of Loancare/XXXX employees . As a mortgage holder, I have paid my mortgage on time every month and trusted that my mortgage company appropriately escrowed and paid my property insurance and property taxes. I need assistance in working with my mortgage company and insurance company to resolve this issue without being penalized and placed in financial jeopardy for an error that I did not make.

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 2023-07-17
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: MA
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:
I have been doing everything in my power to improve my credit rating. It was going well until roughly XX/XX/XXXX. I noticed a XXXX point drop in my credit rating. I tracked it down to the XXXX credit card that I had opened. 
All my credit cards are signed up with automatic payments monthly. XXXX was the same. On XX/XX/XXXX, I spoke to a customer representative who forwarded me to a representative in the credit card division. I was told that when an account is on auto withdrawal, AND the balance goes to {$0.00} XXXX CC system automatically turns off the auto withdrawal. Naturally I was livid because I received NO NOTICE of this event. 
After this automatic shut off I made a purchase and naturally expected the system to do what it had been doing. Again, I received NO NOTICE of the shut off and fully expected the auto payment to work. It did not and payments were late thus the derogatory mark on my credit causing great damage to it. 
I was so livid and XXXX  that I had to get off the phone as the representative did nothing to resolve the issue. A couple of days later I called back to try and get more information. The representative told me that the auto withdrawal was removed by me on the website. That was a complete lie and I told him so. This went from bad to worse. Honestly, I had been working so hard to improve my credit rating that I had to put this issue aside. It was too XXXX It wasnt until a year later that I could address this issue. 
This bad mark on my credit had nothing to do with me. XXXX XXXX is the sole creator ( 100 % ) of this bad mark on my credit.

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 2020-06-08
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reached out to my current lender who is presently holding my mortgage, to explore options for refinancing with them. I initiated the first contact with them on XX/XX/XXXX. After several delays and standing me up on a couple of meetings, the loan officer finally connected with me on XX/XX/XXXX. He sounded pleasant and eager to get my business and got all my details ( including my personal details, income, assets, property details, ssn ). He ran a credit check on me and my wife. Then he offered me 3 options ( interest rate for a portfolio, Interest rate for selling to agencies, Interest rate for selling to agencies with no closing costs except appraisal ) with a interest rates ranging from 2.375 to 2.875 % on each of these options. He told me to apply online if i am interested to take this forward. I filled up the application with them online onXX/XX/XXXX. The  loan number was created online and the interest rate in the system showed a different rate ( 2.75 % ) completely different from what we earlier spoke. I emailed them indicating this, and got a reply on XX/XX/XXXX, that i am eligible for the same rates and options that I was originally offered and there should be some system glitch. I responded to the email that I am choosing the portfolio loan ( 2.375 % ) and asked them to update their system and send me a loan estimate so that I can compare their offer with the other lenders and make a decision. They had not corrected the rate in their system nor given me a loan estimate till date ( its more than 5 business days since my application ). 

I followed up with them over emails twice last week as well as I called the loan officer and left a VM on Friday and i have not get any return call yet. 

I got an email from their processing team on Saturday XX/XX/XXXX asking me for documents and next steps for underwriting. I was baffled and told them that I have not even got the Loan estimate nor given them any confirmation to move forward. I requested them to cancel my application expressing my disappointment and explaining the situation. The processor acknowledged my email today XX/XX/XXXX copying the loan officer thanking me for the feedback. Till now I have not got any Loan Estimate from them.

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 2023-07-17
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete or remove any late payments from indigo platinum credit card from my credit report According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. I have sent multiple certified letters to credit bureaus with no response. Indigo credit card continues to violate the law by posting incorrect information 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 2023-09-11
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a smartly checking account and was approved on XX/XX/XXXX. When I signed up there was a sign up bonus that was similar to the following : U.S. Bank is offering a {$600.00} checking. Must use promo code XXXX. 
To earn up to {$600.00}, open a XXXX XXXXXXXX XXXX account online, in a branch or over the phone with an opening deposit of {$25.00}. Then complete the following activities within 90 days : Enroll in the U.S. Bank Mobile App or online banking.

Complete two or more direct deposits.

Your bonus is determined by the total amount of your direct deposits : Earn {$200.00} when your direct deposits total {$3000.00} to {$5900.00}. 
Earn {$400.00} when your direct deposits total {$6000.00} to {$9900.00}. 
Earn {$600.00} when your direct deposits total {$10000.00} or more. 


I believe that I completed these direct deposits on XX/XX/XXXX. I believe that the fine print said that bonuses would be added 90 days after the date of the last direct deposit. 

I attempted to contact US Bank on XX/XX/XXXX twice via phone. On the first attempt I was transferred multiple times then left on hold, and when attempting to call back later on the given phone number for bank account bonus support the automated system hung up on me multiple times when I attempted to use it.

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 2020-04-16
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted when my social security card was stolen and I have derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.

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 2023-07-05
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$31000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX - XXXX XXXX XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$31000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX XXXX  XXXX 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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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