BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-04
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Company made refund bank has not posted. REFUND STATUS XXXX, thank you for contacting XXXX  Customer Care. After careful review of your account, the following refund requests have been processed : TRANSACTION DATE BILLED AMOUNT REFUND STATUS XX/XX/2021 {$29.00} Approved XX/XX/2021 {$29.00} Approved XXXX XXXX XXXX XXXX and the XXXX XXXX logo are trademarks of XXXX XXXX XXXX 

You received this email because you are a member of XXXX. 

This email was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX 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 monetary relief
Consumer complaint received 2021-07-04
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
One deposit of {$800.00} and withdraw of {$900.00} by transfer on same day on XXXX XXXX. Followed by approximately {$870.00}. of debit charges of 20 items. 
I got an alert from US Bank that a duplicate charge of {$60.00} on my checking account. I immediately called the bank .I was transferred to a fraud investigator, who transferred me to a different investigator who asked for a list of the 20 items including the transfers and then stated that she was having trouble with her computer- so transferred me to different investigator who had me repeat the whole list of fraudulent activity on my account. 
The bank closed my debit card and issued a new card which I got on XXXX XXXX. 
At this time I have not gotten information about fraudulent activity. 
All the fraudulent activity took place in Washington and Oregon states, after small purchase from 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 2021-02-10
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I called and informed Transunion that i did not recognize an inquiry on my credit report from XX/XX/2020 from XXXX dealership. Transunion informed me that I had to contact the dealership first to attempt to get it removed and investigate. I called the dealership about the unauthorized inquiry. The XXXX dealership stated that they did not run my credit and that they have to evidence of my credit ever being ran through them. I called back nd informed Transunion who then said it was nothing they could do. I wrote a letter as well explaining and requesting that Transunion remove the unauthorized inquiry and supplied information from the dealership that they did not pull my credit and Transunion sent me a letter back stating anyone can pull my credit without my approval or knowledge and that the inquiry would fall off in 2 years. I replied with another letter explaining to them that that was against the law and I have not heard anything back from Transunion regarding this matter.

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 2018-07-22
Company: EQUIFAX, INC.
State: TX
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:
This XXXX XXXX XXXX was deleted almost two years ago and readded 3 months ago. This account is not mines and I have disputed in the past. 

XXXX XXXX XXXX {$4100.00} Closed Inquiries below : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans XXXX 
XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Auto Dealer Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX In Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: CHECK INTO CASH INC.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX is attempting to collect a debt from me ( XXXX XXXX XXXX ), for Check into Cash INC . I have no knowledge of a recent Payday Loan with Check into Cash INC . I am requesting that Check into Cash INC send me their DOCUMENTED COMPANY proof/verification of when I OPENED this account, and the DATE the account FIRST became DELINQUENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-04
Company: NCP Holdings, L.P.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I HAVE TRIED TO DISPUTE THIS DEBT NUMEROUS TIMES PER : Title IV of the Consumer Credit Protection Act. Section 401.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been making effort after effort to try and access my dispute but I am unable to. I made efforts to call and I do not get the option to speak to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: U.S. BANCORP
State: ID
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I purchased a care package ( {$82.00} ) for my son that is XXXX from XXXX XXXX XXXX ( see uploaded photo ) -- the package was to be delivered on XX/XX/14, when the pkg did not arrive I checked the web site and it said " delivery in process '' -- over the next several weeks I would get the same message, I finally called the number and the message says it is no longer in service, I located another number on the webpage and spoke with XXXX XXXX XXXX and was told the XXXX XXXX XXXX is a " fraud '' -- I then contacted my bank, US Bank, the institution that issued my debit card and was told that I needed to call the number on the back of the card XXXX, I tried calling this number over 5 days at all times of the day and night and no one ever answered, I then went to my bank and tried to speak with the branch manager,  she referred me to their fraud department and I was told that they are not going to help as I had to speak with Reliacard ( number on back of debit card ) I let them know that I have not been able to reach them but they refused to help me any further, I then contacted the Idaho Unemployment office and was told they have no way to contact Reliacard and can not help, I called VISA and they also said I have to speak with Reliacard, I again repeated that Reliacard is not answering their calls, I called the FDIC and they referred me to  the Federal Trade Commission, the Federal Trade commission referred me to the Consumer Finance Protection Bureau, I've filed complaints with the XXXX in Florida where the company is that billed and was paid by my bank US BANK from my debit card, I also filed a complaint with the XXXX in Idaho against US Bank for not helping me -- there is no physical address for Reliacard other than US Bank and they refuse to help. I checked online and see multiple complaints and concerns regarding the USBank Reliacard and their  unresponsiveness to the complaints, something has to be done to help the consumer and have the big corporations like US Bank actually address the complaints.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 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 an 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 explanation
Consumer complaint received 2020-09-12
Company: Stenger & Stenger, P.C
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a old debt that I was unaware about. Not on my credit report or any communication by mail. Not until my employer told me in XXXX I had a wage garnishment. I had to pay {$100.00} a week begining roughly XX/XX/2020 to XX/XX/2020, when it was fully paid and settled. Than in XXXX, I get notice my state taxes are being held for a wage garnishment from this same debt with Stenger & Stenger law. I immediately contacted the state, they needed proof it was paid. I sent them everything but since I didn't  have the official court copy showing the judgement was paid in full they couldn't release it. I contacted the law office by phone & email as well requesting this. The XXXX district court even tried contacting them as well. Weeks turned into months & the state income withholding unit sent my money to the law office. I paid this debt twice. I've been extremely patient with them. I struggled to provide for my family for almost 3 months paying this back through a wage garnishment. I waited for my state income tax return that was held for months. Than they send my tax return to pay again for this debt. Another 3 months of trying to contact the lawyer with no calls or emails back. This law office got my money twice for 1 debt. I deserve to have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted XXXX and spoke with a representative that stated that request to remove was done ; contacted XXXX and spoke with a representative that stated the request to remove was done ; contacted Experian ( no representative available, only automated system ). I tried to use the prompts but when the call ended the Experian system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert be " removed ''.

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 2018-09-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'm extremely disappointed by the predatory behavior of Navient. My paperwork disputes what your customer service reps are saying my total is ... that is very concerning and the fact that it will take a week or more until I get a statement is also concerning. 

This rant is also brought on by my recent research. Taking a deep dive into my emails from Navient starting in 2014, they have only pushed forbearance on me. It wasn't until very recently they offered other solutions. Now that I make far more money than I did out of college those other solutions wouldn't work for me anymore .... but they would have been GREAT during that time. And the only reason my loan is where it is ... is due to my situation after college ( getting paid minimum wage at an XXXX XXXX and suffering from health issues ) Also, their customer service rep today around XXXX ... suggested forbearance again! Only when I asked what the negative effects were he told me it would add more costs to my loan. Only when I asked if it was a better solution to pay it off next week, he told me. After my questioning, he hung up the phone aggressively. 

I'm very VERY upset and disgusted with how Navient is run. Nearly all college graduates I know have been screwed over by them in one way or another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Business checking I am not able to transfer money to my personal checking account. Chase business account to a chase personal account. Tuesday at XXXX I called chase bank to find out why my transfer to transfer was canceled. On hold total time XXXX mins. Was transfer XXXX  times and rep told it it was a fraud issue. Transfer to a deadline. Waited XXXX a no answers. Called Tuesday XXXX at XXXX. Rep told me that its a fraud issues and we can not transfer between a chase business and chase checking account advise chase checking account was approved by chase for transfer. On XX/XX/2023. Transfer was sent and was green. 
Chase called Wednesday XXXX. XXXX. Talked to XXXX  and was hung up on. Rep said this is a fraud issues. Called back. Talk to new rep and they said it was a fraud issue. Advice on chase business to chase personal checking. Advise same person with same info on both accounts. Ask to file a complaint. No complaint was log. Ask to speak to a manager No manager will come to the phone. Ask who is manager first and last name. Was only told XXXX and rep said no one is allowed to tell his last name. Ask for a manger above XXXX and was given XXXX. No last name. Online profile is now block by chase. Unable to get access to my account. Please advise. No compliant was login to chase system. No manager will come to the phone or take info. Accounts as locked. Please reach out to chase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX applied for XXXX XXXX by Chase Bank credit card. 
XX/XX/XXXX called in regarding for application status. 
The rep told me I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I responded to a CHASE marketing promotion to open a checking account with direct deposit and a savings account with a {$15000.00} minimum deposit and followed their rules precisely. I did receive the {$200.00} deposit for the checking account and eventually the {$200.00} deposit for the savings account based on the separate coupons issued for each respectively. There is no dispute on these facts. 
There is another {$100.00} to be deposited in my accounts for doing both of the above account openings for a total benefit of {$500.00}. The date of total funding for the savings account of {$15000.00} occurred on XX/XX/XXXX. I held that some of {$15000.00} in that account until XX/XX/XXXX expecting the final {$100.00} to be paid promptly but no later than by XX/XX/XXXX. I have had to constantly contact this bank with long delays and responses from off shore call centers as well as branch bank endless unavailability to even obtain the partial results above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Mortgage lender was sold to Mr. Cooper, which is the worst lender in the world. They never call back or e-mail. 

I was in the middle of trying to refinance when the financial department just did not respond anymore to my request for an FHA streamline. 

I was first told that I could not do it, that Mr. Cooper did not do that, so I told the agent then let see about going to another company who could help me. One agent named XXXX XXXX got back on the line and was so happy to help me and talked my ear off about getting what I needed done, Well I am here to tell you it never happen. COVID 19 HIT AND I was stuck with a payment that I cant afford {$2500.00}. I feel like they just did not want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
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:
Previously disputed a Chapter XXXX   bankruptcy reporting on credit report.  Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted.  Credit bureau responded that investigated and found information to be accurate.  However, credit bureau has not and continue to omit any requested documentation proving verification.  I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX  has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.

Company response to consumer: Closed with explanation