BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I had previously gotten a response from US Bank on XX/XX/XXXX that it is actively trying to resolve my issue and recover my money from 2 fraudulent gift cards. It is not XX/XX/XXXX and I haven't received my gift cards. My original complaint is below and I am attaching US Bank 's response to my first CFPB complaint. 

On XX/XX/XXXX, I purchased 2 Mastercard gift cards issued by U.S. Bank worth {$200.00} each from XXXX in XXXX, XXXX. I attempted to use them on XX/XX/XXXX, but found one gift card had a fraudulent charge of {$180.00} at XXXX XXXX XXXX in XXXX XXXX, XXXX   on XX/XX/XXXX. The other gift card had a fraudulent charge of {$190.00} also at XXXX XXXX XXXX   in XXXX XXXX, XXXX  on XX/XX/XXXX. The cards were in my possession in XXXX at the time ( and I still have the cards ). After calling the customer service phone number on the card, I wrote and faxed a dispute letter and filed a stolen card claim on XX/XX/XXXX to the U.S. Bank dispute department at XXXX. I received a response letter and a new card on XX/XX/XXXX. After returning the information, U.S. Bank claimed I did not dispute the charge within a 4-month timeframe despite already acknowledging the dispute on XX/XX/XXXX ( 3 months after the XX/XX/XXXX charge ). It is now claiming it can not help me despite my complying with all of their requests in a timely manner. It seems like this is a widespread issue with U.S. Bank Mastercards, which is more concerning.

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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Privacy and confidentiality under 15 USC 1681. 
Account name, XXXX XXXX XXXX XXXXXXXX Account name, 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 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 more than 7 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 2019-04-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Contacted XXXX  XXXX XXXX credit card division that I was having trouble making my payment. Asked to speak to supervisors on each call ( six calls in total ) and all advised that if payment was made by statement cycle date of XX/XX/XXXX that account would not be reported 30 days derogatory to credit bureaus. Payment made on XX/XX/XXXX at XXXX central time and email confirmation received. Payment made via automated system and it states that payment will be made with posting date of XX/XX/XXXX but could take a few business days to reflect in balance. Manger phone call on XX/XX/XXXX left notes that state my concern about credit reporting and she said if payment made by the following day it would be okay. Manager notes on XX/XX/XXXX state that no negative credit reporting will be made. All five managers I spoke to advised if payment made by cycle date there would no negative credit reporting. Also XXXX statement does not even show transaction date of payment for XX/XX/XXXX but  XXXX  XXXX XXXX online account activity shows transaction date of XX/XX/XXXX. Please honor what all have told me and please remove the 30 day derogatory mark from my credit report. Thank you.

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 2021-09-12
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been in on an income driven plan for 10 or more years through AES. I'm being told only my last 10 payments count toward forgiveness. I was told i was in the " correct payment plan '' for forgiveness. I've been in public service for almost 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Freedom Mortgage loan # XXXX This account has always been on auto draft and should not be reporting any late payments. My payments have been drafted at the end of the previous month. The payment for XX/XX/2022 was drafted at the end of XX/XX/2022. My payments were received however not applied to my monthly payment correctly. If there were any issues, I would have expected the mortgage company to call me asap.

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 2023-02-28
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$410.00}

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 2018-11-29
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Pentagon Federal Credit Union was paid an amount that was agreed upon in a legal contract. This contract has confidentially agreement that states that I can not state what they reduced the amount due but it did state that I would pay a sum of money to pay the account and Pentagon Federal Credit Union would accept that as payment in full without further harming my credit or coming after me. I addition they canceled the credit cards which was agreed as part of the contract. 
The sum of money was paid as per the contract early and in full. The creditor has not sent me a letter to show that the account was paid which is a item that they should have provided me as I can still go to the banks and show the amount paid but not from Pentagon Federal Credit Union that states the same. 
The actions Pentagon Federal Credit Union has done is as follows : -Stated that the account is in collections ( Not true it was paid in full ) -The account was written off ( Well that is not true as I paid the amount agreed to settle the bill ) I believe that Pentagon Federal Credit Union is not following the Fair Credit Reporting Act and is penalizing me even though I paid them the amount in good faith. They have been contacted several times and they have advised me that the accounts are closed and paid in full. This is very much different than what the Credit Bureau has in my report. I'm asking for help as they have said that it would be corrected no later then 60 to 90 days. It now has been over 6 months! The manager who wrote the letter was  contacted and he was rude and treated me very poorly. My cause of the hardship was a tragic accident that impacted my head. ( XXXX XXXX XXXX ) I'm not aware of how a credit report can mark something incorrectly and get away with it without violation of the fair credit reporting act. If they state I didn't pay then I suggest that they refund the money as their reporting is stating the same level of lack of payment and is harming me more. 
Pentagon Federal Credit Union has a duty to follow the regulations of the Credit Union and of the rules established for financial institutions. In this case they have opted to not follow them as they know of my medical condition and lack of ability to ask for help. In this case I was assisted by my family member to help address 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 2023-10-03
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized charges made not by me. 

My bank decline the claim They say because I turned in items that were me, there were over XXXX or more that was not me at all. Those are the ones I want payed for, the others were mistakes because the day I started the claim I was uncertain on what was me, and not me because of how everything reads on the online platform it does not say names it says, addresses, and abbreviated words. It was very hard to decipher, I spoke to over XXXX to XXXX agents to were nice and kind and were trying to help the other XXXX were very condescending and asking XXXX questions. If you dont pass the question test and answer XXXX of them wrong they denied the claim, the amount is {$4600.00} not counting insufficient funds in late fee charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: KY
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:
To whom this may concern. I am writing this matter on my own without any assistance of any third party. I shall now continue with my dispute. According to the Fair Credit Reporting Act, the following creditors are infringing on my federally protected consumer rights to secrecy and privacy under 15 usc 1681. XXXX are violating my rights, XXXXE are violating my rights, XXXX are violating my rights,. My fourth amendment rights are being violated by the creditors and the credit reporting company Equifax. My personal information should be safe and private within my paperwork, but it isn't because it's being shared with consumer reporting companies without my prior approval. My personal information is being disclosed to consumer reporting organizations without my express agreement, therefore neither my papers nor I are secure. My documents are not safe, which violates my fourth constitutional right. I also have a right to privacy, it 15 U.S Code 1681 section 602 A of the Fair Credit Reporting Act says. I feel like I'm being taken advantage of and that the mentioned creditors and credit reporting agencies are working together to harm me because my right to privacy has already been violated. I'm being treated unfairly and had my rights violated. A consumer reporting agency can not provide an account without my written instructions, and the mentioned creditors lacked the legal authorization to send my social security number to Equifax, one of the credit reporting agencies. 15 U, S Code 1681 Section 604 A section 2 states that. Because I never authorized nor granted permission for what the aforementioned credit reporting companies are doing to me, they are guilty of aggravated identity theft and may go to jail. 15 US Code 1681c ( a ) ( 5 ) states very clear that 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. By law, none of the accounts I've specified above may appear in my consumer report. 15 US Code 1681s-2 ( A ) ( 1 ) states 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. Prior to filing this complaint, I informed each of the mentioned creditors that their information was in fact unreliable, erroneous, non verifiableand incomplete. Thank you for your attention to this matter ; I assure you will not discriminate. I demand that these accounts be deleted immediately, or I will file a lawsuit for the questions and emotional distress this matter is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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: Account information incorrect

Complaint:
MY XXXX  XXXX XXXX XXXX ACCOUNT CREDIT LIMIT {$8000.00} IS SHOWING A USAGE 53 % THIS IS INCORRECT. THU DUE DATE IS XX/XX/XXXX, XXXX THE STATEMENT CLOSING DATE IS XX/XX/2021. MY ACCOUNT WAS PAID IN FULL AND ON TIME. THE BALANCE SHOULD SHOW {$0000.00} XXXX DOLLARS 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 non-monetary relief
Consumer complaint received 2023-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023. I drove to a Bank of America ATM after cashing a check from XXXX XXXX so I wouldn't get a 10 day hold. I deposited XXXX hard earn cash in the ATM, it only recognized {$2300.00}. I touch the button to continue to make more deposits and deposited {$400.00} it had returned to me. After that deposit the machine instantly went into an error and gave me a receipt to call electronic claims. I called and was told there would be an investigation up to 45 days but my account would be credited within 48 hrs. Well 48 hrs has passed now they are saying the amount is to much to credit me back. Clearly everything is on video it should take so long for me to have access to cash.Never will I put that much cash into an ATM Bank of America always give me a hard time.

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please see the information attached

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 2023-06-11
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2022-09-11
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: AXOS FINANCIAL, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/, I received a letter from my mortgage company, Axos Bank, titled " Annual Escrow Account Disclosure Statement and Projection for Coming Year. '' Upon review of the letter, I found out that my mortgage payment has increased from {$2700.00} to {$3500.00}. Ever since, I have been trying to reach out to the bank for explanation of the sudden drastic increase in the mortgage payment but all to no avail. All I keep getting is a run around. Nobody seems to know who could answer my question. Consequently, I am turning to the Consumer Financial Protection Bureau ( CFPB ) for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
If you refer back to my complain # XXXX you will see that I was experiencing the inability to get into my account for several months. During that period of time I had lost my XXXX  from XXXX in the way of the XXXX coin. When the XXXX  of XXXX was announced back in XX/XX/2019 coinbase assured us that if we held or XXXX with them at the time of the snapshot everything would be automatic through Coinbase. Due to my not being able to access anything in my account I didnt receive my airdrop whiich by my records in my tax documents from coinbase amount to about XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On or around XX/XX/2022, I received a Experian credit report and noticed XXXX is not reporting an accurate open line of credit. Instead on showing the credit and payment history XXXX and or Experian has listed the account as no status effectively impacting my debt to credit ratio and credit score according to the report XXXX is not reporting this information. I believe this technique of ExperianXXXX conveniently not reporting the line of credit is targeting Americans of XXXX descent and designed to lower credit scores and block the consumers purchase finance abilities. I want the CFPB to investigate this practice and find out how many Americans of XXXX descent are impacted by Experian/XXXX refusal to report open lines of credit with timely payment histories and fine all parties involved in this deceptive business practice.

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 2023-02-28
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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