BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-24
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint arises from the unauthorized use of my debit card for two withdrawals of {$800.00} each ( for a total of {$1600.00} ) on XX/XX/XXXX and XX/XX/XXXX, respectively. These unauthorized withdrawals took place from ATMs in XXXX, Wisconsin and XXXX, Wisconsin, while I was in Illinois where I reside, mere days before my wife went into labor with our son. After I learned of the withdrawals, I contacted my bank, U.S. Bank, to notify the bank of the fraudulent transactions. U.S. Bank asked me to submit a written statement describing the fraudulent activity. Per the bank 's instructions, I submitted a written statement of the fraudulent activity dated XX/XX/XXXX.
By letter dated XX/XX/XXXX, a mere week after I submitted my claim, U.S. Bank sent me a letter stating it had completed its so-called " investigation, '' and in conclusory fashion, denied my claim. U.S. Bank 's shocking letter claims that its investigation " indicates that [ I ] authorized the transaction ( s ) by providing the PIN and card or similar access '' to a non-account holder. 

U.S. Bank 's conclusion is incredible. First, U.S. Bank fails to explain who it concluded that I purportedly authorized to use my debit card, why I would have authorized someone else to drain my account of {$1600.00}, or even a single fact on which its conclusion is based. Second, I was nowhere near the XXXX or XXXX area on the relevant dates. 

After I received U.S. Bank 's denial, I reported this matter to the XXXX, Illinois Police Department. However, the police department stated that it does not have the resources to pursue an investigation into who depleted my bank account, especially since the unauthorized withdrawals took place in Wisconsin and they do not foresee being able to make an arrest in this case. 

In addition and importantly, a representative of the local U.S. Bank branch that I frequent notified me that several accounts were affected after an ATM skimmer had been installed at one of the ATMs that I use, thereby stealing various account information. However, U.S Bank has failed to adequately monitor unusual debit activity such as the out-of-ordinary activity that occurred on my account. 

U.S. Bank 's nonsensical and conclusory assertions denying my claim for the two unauthorized transactions are entirely without merit and should be reversed.

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 2019-09-23
Company: MOHELA
State: VA
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:
The students loan amount is not correct information. Over {$5000.00} was discharge in a bankruptcy case. The amount is incorrect and was discharge in 2013 and the amount was consolidated in a loan with XXXX  and pass on to mohelda

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting incorrectly to Equifax a credit card account that does not belong to me. The partial account number is XXXX. The credit card account status shows Lost or Stolen Card. ( Please see pages 4 and 5 of the attached credit report. ) I have contacted the XXXX and have requested that they remove this account. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call on XX/XX/ 2020 asking if I were going to pay a cell phone debt of the amount {$1200.00} I explained I have been with my current cell phone company over 8 years I have no knowledge of this debt can I please have something in writing and I do not verify this debt and now I see if this debt is mine I were told from the rep that I have been warn and now this debt is showing as a collection on my debt. If this debt is mine I never agreed to this debt and I don't know if this debt is mine and if legally they can still sue for this debt. Nor did this company ever verify the debt I gave them my P. O. Box address to sent correspondence still to no prevail I still haven't received anything from this company for me to dispute they just added it to my credit as an collection

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Went to my local grocery store one I have written checks for over 500 times never once has any bounced today they denied my purchase for code 2 saying it was an error and no it wouldnt reverse it decision. I tried to speak with someone more in charge was told there wasnt anyone called back and was hung up on. Called back again and was told it was because I bounced a check with the grocery store which I have never done. Given complete run around and hung up on again

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 2020-06-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, XXXX  XXXX processed a refund in the amount of {$330.00} to my closed Citi credit account ending in XXXX ( see a confirmation email attached ). The account was closed by Citi in XX/XX/XXXX. On XX/XX/XXXX, I contacted three different Citi representatives ( including one supervisor ) asking them to access the account and verify the receipt of the refund. All three Citi representatives stated that this account was not in their system and that there was no way for them to locate this refund. I offered to provide a copy of my credit card agreement or my old statements to help locate the account. They refused. I'm attaching my old credit card statement and my credit card agreement to this complaint as well.

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 2016-05-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX was asked to remove the negative information for my credit report and my spouse. XXXX refuse went to XXXX in XXXX XXXX, Georgia. Judge determine case was too old and should be removed from ALL bureaus. Sent information about the reports and the bureaus Equifax and XXXX and XXXX XXXX. XXXX XXXX remove the negative XXXX for myself and not my spouse. At this point the information was to be removed based on age of the account not its collection practices that XXXX could not prove. Please ask that this information gets removed. My Social Security Number is XXXX my spouse is XXXX we are trying to clear this up since 2014. XXXX was told too old to report and must be removed from our bureaus. We seek to get this remove as the Judge states on the evidence of the status of age of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: TX
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 sent a letter to these Equifax on XX/XX/2021. I mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. I have filed an FTC Identity theft report and Attorney General complaint for the disputed accounts. The 30 day mark is within a couple of days and I have not had a response. ( PLEASE SEE ATTACHED LETTERS SENT TO EQUIFAX, FTC REPORT and ATTORNEY GENERAL COMPLAINT. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX 2009. I have asked them to remove it since it has been 7 years and the credit bureaus refuse to remove it. They 're saying it will stay on my credit report for 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-05-22
Company: KEYCORP
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We get repeated calls from Key Bank to our cell phones, which we use for business. We make payments and they dont go through but we get email confirmations that they did go through. Then weeks later the payments have not cleared out bank. 
Key has AGAIN charged us a late payment after we made a payment on XX/XX/XXXX and the email confirmation came to our email inbox at XXXX. 
Additionally, they need to stop calling. They can mail us what is needed via US mail ONLY. 
We did make another payment with the XX/XX/XXXX payment did not clear. 
We went online tonight to make a payment and the web site is AGAIN not working. Their website never works. 
We were able to log in but no account information will pull up. 
We just made a complaint and there are issues already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I can not get copies of the original loans documents so I can hire an independent auditor to determine if all of the costs from forbearance agreements and fees and interest are accurate. 
I also want to find out how to be part of the class action group suing Navient for the many complaints filed against it by the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I reported to my bank ( BB & T ) that there were unauthorized charges on my account. Shortly after they closed the card and sent me a replacement and reversed the charges. The problem is that they sent the new card to an address I never authorized them to use as I did not receive mail there ( I did for a brief period ). I even called them on XX/XX/XXXX at XXXX to ensure that they had the correct address on file as I was having trouble with my credit transactions ( where you have to use your zip code ) and their customer service associate assured me that the address on file was the address I authorized them to use. On XX/XX/XXXX ( XXXX ) I called in and they advised me of the error and told me they would delete the wrong address they had on file, but I would need to call back to request a new card. When I called back on XX/XX/XXXX at XXXX requesting a new card they advised me it would be 5 to 8 business days before I would receive it ( I 've already gone 11 days without access to my bank account ). When I requested it be expedited they told me that I would be charged a {$35.00} dollar fee which they would not waive. When they canceled the debit card that was sent to the wrong address and requested the new debit card they told me I would be charged a {$5.00} fee that they could n't waive at the time and could not guarantee it would be waived if I called back. They recommended that I step into a branch if I was unsatisfied with the time it would take to receive the card, but the nearest branch is 120 miles away ( one way, 240 miles total ). 

This service is unacceptable as everything that 's happened was no fault of my own and my bank refuses to take accountability of their errors. 

I 've accepted that I wo n't be able to buy presents for my family during XXXX XXXX ( the best day to buy gifts ) but now I ca n't even buy groceries or put gas in my car and I pray that I do n't blow a tire or have any other unforeseen issues come up as I have no way of paying for 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 2020-05-03
Company: Westlake Services, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I called finance company to satisfy the debt of XXXX. I paid the settlement price and was supposed to receive a presettlement letter within two to three days. I called about a week later to give them more time and was told it's going to take 10 to 15 days. I have tried several times to receive my settlement letter and have not been successful. The last time I tried to call they stated they were going to email the representative that I spoke with and that he would email me the letter. It has been about 45 days and I still have not received my letter. They received money and when I call back now, I can not reach anyone or message will be forwarded to original representative. I also was given a audit number from the representative that took my payment. And I provided that when I try to dispute this. It appears on my credit report that I made a payment but account still has not been updated to paid settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: PNC Bank N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
When I go to link money transfer accounts such as XXXX or XXXX to PNC, it will not authorize it. On top of this, there is no way to unauthorized it by proving it is you that is doing it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BMW Financial Services NA, LLC
State: PA
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:
these accounts that appear on my credit report, without any authorization, do not belong to me, they are hurting me. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

8. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

9. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

10. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

11. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

13. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: First Credit Services Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I cancelled my gym membership with XXXX XXXX. 
On or about XX/XX/XXXX, I received a debt collections notice from First Credit Services, dated XX/XX/XXXX. 

First Credit Services was immediately contacted and requested debt validation as granted per the FairDebtCollection Practices Act. In addition, this request was also submitted in writing on XX/XX/XXXX. First Credit Services was obligated to respond within 30 days failed to respond to the written request knowing they were obligated to respond to the debt validation request within the statutory time limit ; however, they failed to respond. 

On XX/XX/XXXX a follow-up letter was sent to First Credit Services, requesting debt validation as per the Fair Debt Collection Practices Act, and reminded that they are required to respond to my request for validation within 30 days of receipt ; however, they did not respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an HSBC advance checking account around XX/XX/2018 after receiving the Direct mail promotion which says if I deposit XXXX. I will get cash {$350.00} to my account. I deposit the money within several days I open the account. Now more than 3 months passed, I did not get the promised money in the promotion ads, which I think it is cheating ads from HSBC. I called the bank and I was told someone will contact me within 5 days. Now more than one week passed, nobody contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: The J. G. Wentworth Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
JG Wentworth proved to be incompetent and unresponsive in getting their primary task completed-closing a home loan on time. I began the application process over two months before we needed to close on a new house ( I had to wait to lock my rate-two months before closing. ) They were not able to deliver the paper work to the closing attorney on time. To rub salt in our wounds on closing day the closing attorney tried over and over to get in touch with our loan processor and no one returned their call-all day. We were supposed to close our loan at XXXX XXXX on Friday and when all parties arrived at the closing attorneys office they had not heard one word from JG Wentworth concerning our closing package. Needless to say the people we were purchasing the house from were furious and we were out on the street for three days ( it was Friday. ) We incurred over {$3800.00} in expenses and loss of wages, not to mention the embarrassment and anxiety they caused us. Everything we owned was in a locked house we did not own. JG Wentworth offered us a remediation gesture that does not begin to cover the loss we incurred as a result of their utter ineptitude and lack of corporate and personal professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions 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:
I the consumer XXXX XXXX, have been a victim of Identity theft and have fraudulent/unauthorized accounts showing up on my consumer report that originated from identity theft. I do not have any knowledge of these accounts and my information apparently was in the XXXX data breach. I have been reaching out trying to get this cleared up but haven't made any progress, when talking to the companies and the consumer reporting agencies. 15 usc 1681c-2 states that consumer reporting agencies must block and remove accounts related to identity theft, I have included FTC reports showing the accounts originated from identity theft.

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