BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-28
Company: U.S. BANCORP
State: DC
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 a US Bank XXXX XXXX account online on XXXX/XXXX/XXXX as part of a {$200.00} opening bonus promotion. The terms of the promotion required either direct deposits totaling {$500.00}, or two or more online bill pay transactions of {$25.00} each or more, within 60 days of account opening. I chose to schedule two bill pays : a {$250.00} payment to one of my XXXX credit cards on XXXX/XXXX/XXXX, and another {$250.00} payment to a different XXXX credit card, also on XXXX/XXXX/XXXX. The promotion terms state that the {$200.00} bonus is payable within 60 days of satisfying the bill pay requirement, so in my case, by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I noticed that I had not yet received the bonus, and e-mailed US Bank customer service using their online banking secure e-mail service. The auto-reply promised a response from a US Bank representative within 2-3 business days ; no response was received. I called US Bank customer service by phone on XXXX/XXXX/XXXX to follow up. The representative noted that they would create a research request, and that I could expect a response within 2-3 business days ; again, no response was received. I filed a complaint with CFPB on XXXX/XXXX/XXXX ( complaint # XXXX XXXX, stating the above facts. On XXXX/XXXX/XXXX, I received a response from US Bank via the CFPB complaints portal that denied my claim based on the patently false assertion that I opened the account on XXXX/XXXX/XXXX - when in fact the account was opened one month prior, on XXXX/XXXX/XXXX, which was very much during the eligibility period for the {$200.00} bonus. US Bank has engaged in a bait-and-switch tactic and is now denying me a bonus for which I clearly qualified according to the terms of the promotion. I am therefore refiling this complaint, along with the necessary documentation to refute the false assertion made by US Bank 's representative, XXXX XXXX XXXX. 

In this refiled complaint, I am attaching : ( 1 ) the response from US Bank that contains the false assertion used to deny my initial complaint to CFPB ; ( 2 ) a copy of an e-mail received from a US Bank representative on XXXX/XXXX/XXXX to confirm that my account had been successfully opened ; and ( 3 ) copies of my XXXX and XXXX checking account statements, with the dates of each of the qualifying bill pay transactions highlighted. I trust that this documentation clearly demonstrates I complied with the terms of the promotion.

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 2021-11-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been waiting 8 years for wells Fargo to make it right .And I am tired

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 2019-02-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
So I dont really check my credit report, and recently after all the data breaches and what not that have been going on I finally looked into it. And what I've found was kind of shocking. 
On my open accounts from XXXX XXXX/ XXXX XXXX they have miss reported it on 3 different occasions. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then on XXXX XXXX XXXX ( which is closed ) they have mistakes on there also XX/XX/XXXX and XX/XX/XXXX and I found an Iquire from XXXX XXXX XXXX showing a XX/XX/XXXX pull but Ive had this account over 2 years! 

I have never been late on paymets becuse they are auto paid i reached out the the lenders and they refused to fix the problem these late scores are hurting my credit. I didnt think I had to watch out for these shady practices. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received notification that TCF bank was acquired by Huntington Bank and that my account would be considered dormant if I did not contact them. I called XXXX XXXX XXXX  and waited for 1 hour 48 min on hold before the line was cut off. I tried again XXXX at XXXX XXXX  and asked for a call back.I never received a call back. I replied to the email that was sent to me with no acknowledgement. I need to close this account and the bank is giving me no way to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I take care of my responsibilities. I am escrow when all of a sudden this unknown to me collection account appears of my credit. It says the debt was originated from XXXX XXXX. I have never been to a XXXX XXXX nor have i ever had any wok done by them or any of their affiliates- I also have XXXX insurance. 

That said, HP Sears has placed an unverifiable debt on my credit. I have sent them a dispute and i have been ignored. Account Number 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 2021-05-12
Company: National Credit Systems,Inc.
State: KY
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:
-late rental payment ; landlord refused to accept rent -manager states we will only take your money once you move out -forced eviction -finally agreed to a settle offer and paid a reduced amount on or about XX/XX/2020 -neither the credit collection agency or the property management company would update my account status with the rental bureau would list my payment or that the account had reached a settlement offer. 
-I have had the account paid for over a year and it shows no payment as a result nobody in my area will rent to me, thereby leaving me XXXX  and sleeping in my car. 
-in my area if you have an eviction on your rental history nobody will rent to you. 
-this agency has from the time of eviction to the present date has shown an continuing form of housing discrimination and they need to correct my status and be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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:
The credit bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

they did not do this Also, they have violated my rights even more In accordance with the Fair Credit reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. Payment history is also showing inaccurate reporting on all 3 credit Bureaus. This grounds for Removal They Also Violated the law because according to 15 U.S.C 1681 Section 602 A. States I Have the Right To privacy! 5 U.S.C 1681 Section 604 A Section : States a Consumer reporting Agency Can not a account without my written instructions I did not grant anybody 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 non-monetary relief
Consumer complaint received 2018-01-09
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: Account information incorrect

Complaint:
A federal tax lien of {$5000.00} filed on XX/XX/XXXX with ID # of XXXX by XXXX XXXX County Register in the State of California. 
A federal tax lien of {$5000.00} filed on XX/XX/XXXX with ID # of XXXX by XXXX XXXX County Register in the State of California. 
Both were discharged thru Chapter XXXX Bankruptcy. Both lien holder failed to file a proof of claim during the Bankruptcy Court hearing. 
Therefore these liens were both discharged.

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 2019-10-02
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Collection agency was notified of bankruptcy and still continue to report account on credit report. under number XXXX. Notified bankruptcy under XXXX which is correct numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to dispute with the collection agency as well as with the credit bureau for years and no success.Continue to receive a response that i'm responsible for the debit. I'm not responsible for this debit and never went to the hospital for the dates their stating. 
It's very upsetting and frustating that i'm being penalized for something that i'm NOT RESPONSIBLE FOR.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRUIST FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
FROM XX/XX/2022 TO PRESENT I HAVE DISPUTED A FRAUDULENT BB & T/TRUIST CREDIT CARD ACCOUNT THAT SOMEONE OPENED IN MY NAME BY STEALING MY IDENTITY. I NOTIFIED ALL 3 CREDIT REPORTING AGENCIES AND BB & T/TRUIST ABOUT THIS FRAUD IN WRITING 3 TIMES, NOTHING HAS BEEN DONE TO CORRECT THE PROBLEM. THIS IS AFFECTING ME GETTING A JOB AND BEING APPROVED FOR HOUSING/APARTMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I weve into a XXXX  on XX/XX/21. Upon check out I was told by the cashier I could apply for a point system and get 15 % off. I was told it would not affect my credit score. The worker said there was an error message and the company would alert me by mail. When I got home I saw alerts from Experian that I had a new credit card inquiry. I alerted the company and they told me to write a letter to dispute it. The other credit bureaus removed the report. However, I checked yesterday and Experian still has this incorrect inquiry on my credit report. This is very concerning because they also have incorrect information about my bankruptcy including false amounts on multiple accounts and my student loans are not listed as forgiven as they should be.

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 2021-11-09
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. ONLINE IN SV account is mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: Navient Solutions, LLC.
State: GA
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 borrowed {$89000.00} from Sallie Mae. Navient said they took over my accounts. Somehow my balance overtime ballooned to over {$150000.00}. My father was never cosigner on any my loans. The system would not allow him to cosign for me. Somehow his name appears on my promissory note along with other names that do not match for references. I have been trying to handle payments for many years and figure out a way to survive. I can not pay what they demand. At one point, I was paying $ XXXX  monthly when I was only making {$1200.00} per month. I was threatened my customer service agent that he did not like my tone and that he could make things worse for me. Over the years, the Sallie Mae and Navient both said that they could do whatever they wanted with my payment amount and balance based on their whims. I have them recorded. Most recently, I spoke with XXXX XXXX, a poorly trained supervisor at Navient. She was very belligerent. Told me that I need to find a job during pandemic and downward spiraling economy. She asked why couldn't my family members pay the balance. My family has been harassed by the company as well. Members that were not listed as references. They even called my father on his deathbed to harass him. Multiple times a day. When we said he is hospitalized and to stop harassing him. They kept calling. It was relentless and vulgar in nature. I am shocked and disgusted by these actions. Beyond their predatory lending practices and poor customer service that verge upon being deceitful, uninformed, uncouth, and XXXX, they can not seem to keep their records in proper order. Constantly, asking me about my father and his whereabouts. My father passed away two years. Navient received the death certificate and responded with " you are now on your own. '' I do not have the money nor will I ever make enough income to pay them {$1000.00} per month. I will never be able to pay them over {$150.00} per month. They refuse to work with me. I said I am not working for various reasons. Again, we are in a pandemic and economy is not well. Also, I do not trust the company because the promissory notes hold false information. I refuse to be preyed upon by a company who as stated before is under investigation for predatory lending. 

Please contact me for recordings and other documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A year ago a debt collector put an account that belonged to my father with the same name as me on my report I had it resolved by sending in all info they needed with his SS # number to have it removed. Now a year later another company has the debt and contracted me on the matter. I disputed the false information with them and ask for a debt validation on XX/XX/22 which they failed to do so. I contacted XXXX again about this debt and verified it was my fathers with his SS # on it. I called up the debt company and they told me its my SS # on it but wont show any documents to back it up and refuse to validate the debt. Now my credit has went down a lot over this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: U.S. BANCORP
State: NJ
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:
This is a complaint about Fidelity Credit Card services ' dispute department, and in particular, about interactions with them on XX/XX/2020. I spoke with some people, XXXX and XXXX, who were extremely helpful, and I would like to commend them and encourage Fidelity to put them in charge of this whole area. The problem lies in their Case Processing department, which I am concerned is engaging in deceitful practices. They claim to have contacted me to request additional information, and to have closed disputes when I failed to provide it. But what they actually did was to call me from a number with no caller ID, ( XXXX ) XXXX, and hang up on me when I answered the phone without speaking, and on the basis of this mark their logs as having made an attempt to reach me. The only way I figured out that these calls were coming from Fidelity Case Processing was by spotting the same exchange number in another Fidelity employee 's direct-dial number. My understanding from my conversation with XXXX and XXXX is that the hang-up caller is named XXXX and is a manager in case processing. This behavior is at a minimum unprofessional. I would also like to mention that this number is set up to provide either false or incomplete information when calls are placed to it : it says " the number you have called is the caller ID number for US Bank and XXXX XXXX XXXX ''. This may suggest that Fidelity Disputes Case Processing has adopted a deceptive strategy to contact consumers in a way that allows them to claim to have contacted consumers to seek additional information while concealing the fact that they need information, and then using this to justify closing disputes rather than helping consumers. Obviously I can not say for sure that this is strategic deceptive behavior, but it seems to me that this is the kind of thing a careful regulator with consumers ' interests at heart should be concerned about.

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 2020-05-30
Company: RoundPoint Mortgage Servicing LLC
State: LA
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:
I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: CT
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:
I contacted you in XXXX and did not receive a response to my dispute or an updated credit report. I am again demanding a DELETION on the inaccurate information you continue to report and I'm submitting new information as well numerous Metro 2 Violations

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 2018-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted and tried to resolve the issue with Portfolio Recovery Associates in the matter of credit card and other misc debt that has been opened under my name and information. This company states that they have sent mail in regards to this issue however I have yet to receive a thing. I tried contacting them directly via email to see if they can send the paperwork, however I am not getting any responses after their initial 'We need to make sure this email is secure ' email they sent where they had me reply back an 'I Agree ' to continue communications. Well this was sent on Wednesday and I have yet to hear back. I have sent an email to them on Friday stating " I need to know if youll be responding to my emails. Ive already sent an I AGREE response and havent heard a thing back. I can always open up a complain again but I decided to give you a try by contacting you directly. '' I need to dispute ALL charges that are tied with my social security number including but not limited to ( accounts ) : XXXX XXXX : {$990.00} XXXX XXXX : {$620.00} XXXX : {$340.00} XXXX XXXX : {$220.00} Total : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 an unknown person used XXXX to take {$900.00} from my personal checking account. I filed a dispute concerning this transaction on XX/XX/2020 and have received one reply email from CapitalOne bank noting that I had filed this dispute. I was given a " provisional '' credit of {$900.00} on XX/XX/2020. I have been in contact with Customer Service by phone at XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
On Wed. XX/XX/XXXX I received an email from CapitalOne stating that my claim had been denied because they '' didn't find an error. '' I was told that the dispute had been denied by one department at the bank but that there was an ongoing investigation being done by the bank '' s " fraud '' department and the bank could not tell me how long it would take to finalize their decision about my dispute. 
The email also states that the bank will remove the temporary credit totaling {$900.00} from my account on XX/XX/2020 and any interest and/or finance charges given on that temporary credit. This action would basically result in my not only losing the original {$900.00} I have disputed but I would be liable to repay the {$900.00} provisional credit I have used to pay my rent, medical bills, life insurance, etc.

Company response to consumer: Closed with explanation