BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-09
Company: MID-ISLAND MORTGAGE CORP.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage with another company on XX/XX/XXXX. Mid Island Mortgage Corp my previous mortgage company was sent the payoff for my mortgage and cashed the check on XX/XX/XXXX. On XX/XX/XXXX they took the automatic payment from my checking account of {$2500.00}. I called on XX/XX/XXXX and spoke with XXXX at extension XXXX she said she would stop and flag the payment and the money would be returned in three days. I called on XX/XX/XXXX and spoke to XXXX she said that the request to refund the money was refused by the manager and the payment was being added to my Escrow account and would be returned with that check usually in twenty days. I called three more times in the next 48 hours begging to give back my holiday money and was told it was my fault for not cancelling my auto pay. On XX/XX/XXXX I started calling again because I had not received my Escrow balance or my mortgage payment back yet. On their web site it showed the funds of {$9300.00} were released on XX/XX/XXXX. I called and messaged through their website for the past ten days every time being told to be patient and the check is in the mail. Today is XX/XX/XXXX I have not received the check and no-one from Mid Island has attempted to correct the situation. Every auto reply I get from my messages are the same " We automatically release funds in an escrow account sixteen ( 16 ) business days after the payoff. Generally, a check is issued and mailed within four ( 4 ) business days. '' Even with holidays figured in we are way past this time frame. My understanding of regulation XXXX says 30 calendar days not business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Sometime near the end of XXXX, I received a piece of direct mail ( see attachment ) that came jointly from State Farm ( the insurance company I use ) and US Bank ( a bank I had never heard of or used before. ) The mailer stated the following : " Earn {$500.00} Deposit Account Bonus with a new U.S. Bank Business Checking account. 
Follow these three steps to qualify : 1. Open a new U.S. Bank Silver, Gold, or Platinum Business Checking Package using promo code XXXX. 
2. Deposit {$5000.00} in new money within 30 days of account opening and maintain it for 60 days. 
3. Make 5 qualifying transactions and enroll in U.S. Bank online banking or the U.S. Bank Mobil App within 60 days of account opening. '' After opening the account, I experienced extreme difficulty funding the account with the {$5000.00} amount due to errors beyond my control at the bank. By the time I was able to get the correct amount into the account, the 60 days had passed. After many phone conversations, including with a call center manager who confirmed it would never happen, I finally gave up on ever receiving the {$500.00} bonus that was promised. A week or so later, I received a phone call out of the blue from someone at US Bank who had reviewed the recordings of the phone conversations and the records of my account. She apologized profusely about the problems and promised that I would indeed be eligible to receive the {$500.00} bonus. 

After transferring {$5200.00} on XX/XX/XXXX, I proceeded to make qualifying transactions and enroll in both online banking and the mobile app. I noticed on XX/XX/XXXX or XX/XX/XXXX that my account balance had dipped slightly below the {$5000.00} mark -- the lowest it got was {$4800.00}. I immediately deposited an additional {$250.00}, which put the balance back to {$5100.00} on XX/XX/XXXX. I also called US Bank and was assured by the first person I spoke to that US Bank " would use an average daily balance '' to determine the {$5000.00} balance for the promotion. 

Last week I checked the balance to see if the {$500.00} had indeed been deposited. It had not. So, I called again - likely the XXXX time total for calling or receiving calls about this issue -- a HUGE investment of my precious time. I was told that they would look into the issue and get back to me about a resolution. A few days later I did get a phone call back stating that I would NOT receive the {$500.00} bonus because the account had dipped below the {$5000.00} mark for a few days. 

This is the reason I do business with small, local banks who resolve problems the first time and stick with their word.

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 monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2017-05-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I would like to have Experian fined for knowingly and willfully placing back fraudulent information that was deleted. They are violating the Fair Credit Reporting Act and my  Consumer Rights.      Also I read, if an account is going to be re inserted on to a consumer 's credit report. The credit reporting agency is supposed write the consumer and give a 5 day notice. I did n't receive any of this. These were fraudulent accounts removed in  XXXX   XXXX , but Experian put them back on my credit report  XXXX   XXXX ,  XXXX .     Account  XXXX   XXXX   XXXX  Account  Number   XXXX . This fraudulent account was removed  XXXX   XXXX , by  XXXX   XXXX . They contacted all  XXXX  bureaus to remove this account. But Experian knowingly violates the law and puts it back on my credit report  XXXX   XXXX ,  XXXX . Then on the comment section on my credit report. Experian puts I disputed the Account in  XXXX   XXXX . That makes no sense, the fraudulent account was removed from my credit report in  XXXX   XXXX ,  XXXX . So how would I be disputing a non existing account in  XXXX   XXXX ?     Account  XXXX   XXXX   XXXX  Account  XXXX   XXXX  .... This fraudulent account was removed  XXXX   XXXX ,  XXXX . But Experian knowingly violates the law and puts it back on my credit report  XXXX   XXXX ,  XXXX . Then on the comment section on my credit report. Experian puts I disputed the Account in  XXXX   XXXX . That makes no sense, the fraudulent account was removed from my credit report in  XXXX   XXXX ,  XXXX . So how would I be disputing a non existing account in  XXXX   XXXX ?     Experian seems to have a personal vendetta against me. I want these accounts deleted again from my credit report, as they should not be listed. Experian needs to be fined for their blatant disregard for the Fair Credit Reporting Act and my  Consumer Rights.      Also please view the proof in the attachments

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
DEPT OF ED/XXXX is reported duplicate on my credit report, I do not know the reason why. I only have a single student loan, please remove the duplicate entry. The student loan was temporarily suspended, and my loan holder granted forbearance. Please remove this inaccuracy 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 2021-04-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I closed my bank account in mid XXXX. On XX/XX/XXXX, one my checks was used to be cashed for cash. This account was never even presented the check at my bank, XXXX. They immediately gave the person the cash and then didn't even contact me and sent me to collections- Complete XXXX XXXX, XXXX XXXX It hadn't even been 2 weeks and they sent me to collections. Then I found out that XXXX XXXX XXXX said I wrote a check at XXXX? They told me it would go on my credit report if I didn't pay {$68.00} immediately. 

After much research, I realize I have been swindled and I am reporting XXXX XXXX XXXX, XXXX. 
https : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : 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 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 2017-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
In my Online Banking there is an ebills section where I get pre-selected electronic bills from approved  merchants.. All of them ha ve a due date, just like any bill would have ... except for  XXXX  ...       XXXX   has established this auto pay without my permission &amp; furthermore, there is not specified date to know when it will be debited to secure fund for that money grab of my account.     There has been  2  separate attempts by BOA/ XXXX  to deduct the owned balance which resulted in Over draft fees, which should have been eliminated the last CFPB complaint agains t BOA..      This is a MAJOR issue of overdraft fees t hat BOA is gaining d ue to unscrupulous practices.

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 2022-10-10
Company: Experian Information Solutions 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 am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2017-05-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Wells Fargo  Mortgage is claiming ( again ) that several payments have not been made. Last  XXXX , I filed a complaint abou t four  consecutive online payments that had been stolen,  XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX  payments. This was resolved through CFPB.      Wells Fargo  is again claiming that payments have not been made ;  XXXX  and  XXXX ,  XXXX , in the last  XXXX  statements. All payments are being made by check at a local branch, with th e WF  account number, the month being paid for, and specifying payment to principal, interest, and escrow. I make a copy of each check and retain the receipt given me by the teller. Once the check clears, I print out a screen shot of the cancelled check. I was told by a legal advisor that this is the only form of payment I should make, so that a check can not be " lost '' in the mail.     I am being called twice daily, on both my land line and cell phone, and being sent letters saying I am missing payments. I made a phone call in  XXXX  and was told that it would be corrected, which it was not.     All of my payments are current, and I have copies of the cancelled checks.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: CA
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 need the CFPB to do what is fair and equitable according to the law. As a consumer protection agency, you have a duty to delete what I have identified as erroneous. The companies I have listed is appearing the efficiency of the banking system. CFPB has an obligation to meet my needs and to remove improper utilization of my information 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 non-monetary relief
Consumer complaint received 2018-10-29
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On Mon XX/XX/XXXX XXXX CDT 2018, I called XXXX Customer Service and a representative from XXXX XXXX XXXX answered the phone from the XXXX number after going through the automated system. The representative did not identify the company that she represented, or that she was attempting to collect a debt, or that any personal information collected would be used for that purpose. I told the representative that I had a XXXX transaction from my sister that had not come through to my account, and the representative responded that she would be happy to assist me in resolving that issue, ( which the company has no control or access to even view XXXX account information or transaction, much less the ability to assist with XXXX transactions between two people ). My full name, email address, mailing address, social security number, personal XXXX account information, and phone number was provided to her. She was unable to find any information regarding me, and only then, when I became highly suspicious, did she inform me that she was not a representative for XXXX but rather a collection agency. XXXX XXXX XXXX did not identify themselves and through this omission of identification they therefore implied misrepresentation by impersonating a XXXX representative under the guise of assisting me with rectifying a personal family money transaction in order to obtain private, legally protected personal information for which I would have not provided had I known the truth. I recorded the conversation and can provide it if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a personal and business account at Bank of America. If I change my passwordk on my business account my personal account password does not work. If I attempt to use my ATM, Account Number, Social Security Number on either account I can not reset my password. If I can not log in with my password then I am not verified and therefore can not access my accounts online.

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 2022-10-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently checked my credit report because I am in the market of buying a home. Upon checking my report, I noticed that both XXXX and Equifax are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report 4 times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold Equifax and XXXX accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT 4 TIMES. I expect them to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a Citizens Bank customer and would like to file an official complaint. 

Back in XXXX, I filed a fraud claim against a vendor for failure to perform services. Citizens investigated the claim and astonishingly, found for the vendor. The provisional credit that I had received was due to be deducted from my account on XX/XX/2022. 

I contacted the bank to discuss their findings, arguing that an unsigned contract and a blank form submitted by the vendor was insufficient to determine that the vendor had performed the services for which they had been hired. The bank representative I spoke with agreed with me and changed the provisional credit to a permanent credit. I asked that he confirm that no money would leave my account on the XXXX, as the vendor was, in fact, in the wrong. He assured me no deduction would take place. 

Of course, the deduction did take place and on XX/XX/XXXX, my account was overdrawn as a result. 

I immediately called the bank, spoke with a representative and was told that a form had been submitted on my behalf and that someone would get back to me. I did not receive a phone call. 

On the following day, I called again. I was again assured that someone would be returning my call, and this representative explained that I could not contact the department responsible directly, and neither could she. The only possible way to get this resolved was to file a form. That representative filed a second form requesting a call back and agreed to make it a high priority request. 

I never received a call back. 

I called a third time, spoke with a different representative who told me that she indeed saw that there should have been a permanent credit made to my account, assured me that someone would call me back that day, and apologized for the error. 

Needless to say, no one called me back. 

I called again this morning. Spoke with a supervisor who, while apologetic, told me that the only thing she was able to do to help me was submit yet another form requesting a call back, and that the bank policy was that a response could take 24-48 hours. 

This is absolutely unacceptable. My account is still overdrawn, I have now missed payments and bounced checks and am unable to access MY MONEY. The department ( the Electronic Banking Operations Department at XXXX ) does not take incoming calls, although no reason is provided. 

It can not be legal for Citizens Bank to hold my money for this long, to provide no way to contact the department who made the bank error and to fail to contact me for a week regarding this issue.

Company response to consumer: Closed with monetary relief