BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: REGIONS FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone was hacked by someone posing as an XXXX technician on XX/XX/2020, he got into my phone and took passwords out of my notes. He indicated, my phone was hacked and my bank account was being robbed of funds. He then asked me to download two applications and hung up. I began getting notices that this guy used my banks XXXX account and transfered the funds into my XXXX XXXX and then he tried placing the funds into XXXX at which XXXX stopped the transaction and wouldn't let it get to my XXXX XXXX XXXX denies and wrongdoing neither have they made this right. This was a government check and to think I would actually give this XXXX  XXXX employee or even XXXX XXXX Himself my banking info is ridiculous and obtuse. The mans name is XXXX XXXX, he took {$430.00} out of my Regions Bank Account. I have many documents to prove this as well as a police report and I also contacted the FBI. Regions Bank has turned down my request for an investigation twice claiming it is " my fault this happened ''. 
This was an unemployment check from the state of Florida I had been waiting for for weeks. I have spoken with Regions Bank associates XXXX XXXX from the XXXX Indiana Regions Bank as well as Mr. XXXX XXXX from the XXXX location branch in XXXX, FL. are the only two people at Regions bank who has a heart to help me get my funds back at which XXXX " XXXX XXXX XXXX '' refuse to even investigate. 
The whole thing is a nightmare. Its fraud and waste and I want to know if XXXX XXXX didn't get the funds through XXXX and if the funds weren't in fact placed in XXXX  ; where is my money? Can anyone there help me? I made a police report with The XXXXXXXX XXXX Ohio Police Departments Officer XXXX. 
Hackers can get through your phone and steal valuable information ; their thieves and in my opinion Regions Bank are no better!

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 2017-09-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is stating that I was late a couple of times. My loans were in forbearance with the company. I will like for them to update the necessary information to never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was fraudulent transfers and withdrawals which were made on me and my daughter 's account ( my name is on her account ) on XX/XX/18. I notified TD Bank immediately. These were coming from a XXXX, NY location. I reside and CT. The total amount that was taken was approx. {$8000.00} ( around {$5000.00} from my account and around {$3000.00} from hers. ) I did file a claim and did give the Bank a police report, called SS to freeze my SS # and called Credit Bureaus. I had to keep calling constantly to see what the status was and was told to call the fraud dept. I never was able to speak to the same person nor the actual person doing the investigation. After the 10-day business investigation period, I was told that we were not going to receive our money and that our claim was denied. At one point, I was told that it had to do with an ATM debit card transaction and then I was told that it was from an IP address and was asked if I gave it to someone. I wouldn't even know where to locate it. I totally feel that this Bank is trying to make it my fault and are making me feel like I am the criminal. I asked them to send me the investigation report and give me a case # and the IP # they were referring to so that I can have it checked by an IT person. They told me that the only thing I was going to receive was the letter from the Bank denying my claim and that the IP # was confidential. Was my information confidential to this criminal. I can't believe that is how they treat a customer that has been with them for years. Thank you for any assistance that you give.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-04
Company: Innovis
State: IL
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 have contacted Innovis on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is my second complaint to you since I did not get a confirmation from you so I don't know if you got the first complaint. 
I have also filed a complaint with consumer Financial Protection Bureau but they have done nothing. 
Since my last complaint to you, Chase Bank had violated my trust three more times ( within a 24 hour period ) I have now sent them over 20 emails concerning the 12 times that they have declined my card. 
Their response is to reply with a scripted response. They have continually accused me of typing in the wrong CVV number which was impossible in many of the circumstances and simply a lie in the rest of the circumstances. 
Yesterday and today was three more times and this came after their usual scripted response " Your card is in good standing '', " We will try to do better next time '', and " We have elevated this to our fraud department. '' DEAR XXXX PLEASE HELP ME. WHY IS NO ONE LISTENING TO ME? WHY WON'T YOU HELP ME?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After multiple attempts to dispute this debt of {$4600.00} that is in collections with National Credit Systems. I called directly and requested a verification package with proof and validation that the debt belongs to me, however, unfortunately, I received documents from them that are not only invalid but had expired. They have not been able to validate this debt and yet they refuse to remove it. The agent " XXXX XXXX '' behavior was very rude and condescending including making comments like " I'm not the one who needs a place to live or can't find a place to live '' The documents sent are expired documents that us not dated with my signature. When I called the last time to give them this information, I was told by XXXX that it " Your Proof Won't Help '' and he hung up in my face and refused to answer my call anymore. I then had to call and ask for a supervisor who wasn't there. If they can not validate that debt to me but they refused to remove is a direct violation of the debt collection practices and I would like to be compensated for their actions!. They have not been able to validate this debt but refuse to remove it! That is by your definition a violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
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: Information belongs to someone else

Complaint:
Experian is reporting accounts in collection that are fraud and do not belong to me. They are reporting a XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  ( 2 ), XXXX  XXXX XXXX XXXX ( 2 ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, these are all fraud and not my accounts and need to be DELETED/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 2018-02-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This happen during hurricane Harvey. I was given a 3 months grace period of not paying my house payments? Now, Wells Fargo wants all of the 3 months grace money from harvey now? I wanted to add my payment to the end of my existing loan.. During the Hurricane Wells Fargo told me that .I could add too my existing loan?

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 2018-09-19
Company: EQUIFAX, INC.
State: NJ
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 have an old, closed auto account. to which I will attached the complete reported history from the creditor to XXXX and Equifax. It has been long past 7 years from the first reported delinquency and I have requested multiple times that the account be deleted from my credit history. each bureau keeps reporting less and less history of the account, so as to ignore the first few years of the payment history. I am asking they correctly reflect the complete payment history, then would subsequently show well past 7 years have passed since the first delinquency and then the account will be deleted. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Good morning American Express, I have been attempting to redeem some of my member rewards ( MR ) points and I am not able to due to the message " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I am trying to book a flight for the XXXX XXXX season coming up to see family and i find it completely distasteful that I had legitimate spend on my card yet I am now at the mercy of American Express reviewing my account, however long that will take. 

Please unlock my membership rewards account so I can book a flight with my hard earned points. I am asking as a long time customer of American Express. I dont mean to be pushy. I just want to use the points I fairly earned. I am sure American Express can agree with that. I pay {$550.00} card benefit for this card and I better be able to use all the benefits. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with XX/XX/XXXX on my behalf, with no response from XX/XX/XXXX. also i disputed with XX/XX/XXXX 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.

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 2020-05-22
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: Information belongs to someone else

Complaint:
XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX  XXXX XXXX  XXXX Account Type Credit Card Account Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Paid collectionXXXX XXXX Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$320.00} XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$340.00} Payment Status Collection/Charge-Off Worst Payment Status XXXX XXXX XXXX XXXX, XXXX  XXXX loan XXXX XXXX merchant 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 explanation
Consumer complaint received 2021-02-02
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CORELOGIC INC
State: OH
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 like to order a full Core Logic report, I believe there is some misinformation on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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 my account on XX/XX/XXXX in responding to a web ad saying XXXX opening bonus if you complete 2 direct deposit of XXXX or more. It also says Well automatically apply the {$200.00} offer promo code when you apply online. I called and was told there was no promo code attached to my account at opening. It has been over 5 months and still no XXXX dollars. 

I read that many people are having the same problem. BMO Harris is the worst bank.

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 2023-03-01
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 A : 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 2018-09-19
Company: Selene Finance LP
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation of CFPB case # XXXX. 
The problem has NOT been resolved. Still NOT getting monthly bill/statement. 5 months now. Have nothing to show how my money is being applied ( I send in extra ). 
XXXX I called see if statement for XX/XX/XXXX mailed ( my XX/XX/XXXX payment was received XX/XX/XXXX ). Sent to XXXX XXXX voice mail-no response. 
XXXX Called again talked with XXXX XXXX ( resolution team ). He stated bill was sent on XX/XX/XXXX. 
XX/XX/XXXX Called again ( no statement ) XXXX took an attitude and said she had no control over mail. 
XX/XX/XXXX Spoke to XXXX-Statement had been mailed on XXXX. Still no statement Until this XX/XX/XXXX ( when they changed their system ) had no problem receiving statements. WHY IS THIS STILL A PROBLEM?!!!! I want XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX statements showing how my money has been applied! I want my monthly bill/statement to physically arrive at my home AND in a timely fashion!!!!!! ENOUGH IS ENOUGH!!!!!!!!! THEy totally LIED in their response to me & the CFPB! XXXX also thought it was a huge joke to be reported to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent to Amsher a response to notices sent to me from the credit Bureaus and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : 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 : NONE OF THESE WERE PROVIDED TO ME BUT A BILL WITH A NAME AS MY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Experian Information Solutions Inc.
State: NJ
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 have an old, closed auto account. to which I will attached the complete reported history from the creditor to Experian and XXXX. It has been long past 7 years from the first reported delinquency and I have requested multiple times that the account be deleted from my credit history. each bureau keeps reporting less and less history of the account, so as to ignore the first few years of the payment history. I am asking they correctly reflect the complete payment history, then would subsequently show well past 7 years have passed since the first delinquency and then the account will be deleted. 

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