BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-27
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
During the period of XX/XX/XXXX to XX/XX/XXXX my wife was handling our finances because I had been XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX was in and out of hospitals, XXXX, XXXX XXXX, XXXX XXXX and home but XXXX. During this period a series of fees started showing up on our joint checking account. My wife grieving the loss of our XXXX XXXX XXXX XXXX old child to XXXX, was n't keeping a close eye on the transactions on our statements. These where regular monthly fees that should have been waived, because we made more than ten regions credit/debit transactions a month ( a lot more ). When my wife set up the cards, she was assured that both cards would qualify towards the ten transactions needed to waive the monthly account fee. I first noticed the fees in XX/XX/XXXX, and called regions bank to ask about the fees. They told me that only one of the cards qualified, because one of the cards was only an authorized signer and not listed on the credit card account as a joint owner. I feel that this is just total nonsense and a technicality that they have used to charge us months worth of bogus fees. More over we where assured that the cards qualified.

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 2019-10-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank collected the funds on a check on XX/XX/XXXX but refuses to make the funds available until XX/XX/XXXX ( 4+ months ), way past any reasonable hold as defined in The Expedited Funds Availability Act ( Regulation CC ). 

The account is older than 30 days ; The account has never been overdrawn ; This is not a redeposited check ; The check is less than {$5000.00} ; Seems like a abusive way of profiting from a float.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: OH
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:
This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " XXXX '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
With XXXX XXXX XXXX XXXX preferred  Card.

I opened my account on XX/XX/XXXX. I was seeing 2 offers at that time, first one is {$150.00} back when spending XXXX  first 3 months, the other one is {$250.00} back when spending XXXX  first 3 months. Apparently I clicked on the wrong link, even though I thought I saw {$250.00}, but then they told me " no, it was XXXX  offer I saw. '' I had screenshot the offer from XX/XX/XXXX. Please see the attachment image from XX/XX/XXXX. 
Then no long after I applied, they changed to XXXX  back with first year fee {$95.00} waived, XXXX, it is very close to the offer I initially saw. I called the customer service again to ask if they could waive my XXXX  fee instead, since it is the offer now. Both the customer Rep and her supervisor told me there was no way the fee would be waived.

My boyfriend heard the story, he felt bad, since he was the one who referred me to open the account ( which he should have gotten his referee fee, they could n't credit him either, because I clicked on the wrong link ). My boyfriend called in from his account and phone number, we gave the Customer Rep authorization to look into my account, she said she talked to her supervisor and was able to credit me the {$95.00} intro fee in 2-7 days. That was on XX/XX/XXXX.

9 days passed, I did n't see any credit amount on my statement, I called in again. Same thing, the lady told me she talked to her supervisor, there was no way to credit me the intro fee {$95.00}. My boyfriend got annoyed, he called in again. So it turned out they credited him the {$95.00} intro fee because he 's been with Amex for a while. How ironic!!!

However, as first time female customer, I was not able to get fee waived at all because I clicked the wrong link. First of all, why would they show 2 different offers at the same day same exact time, just because I clicked the wrong link, I did n't get XXXX offer. Then Why was my boyfriend got intro fee waived after being a long term customer, and I was not. He called in on my behalf anyways, ironically Amex waived him the fee.

So he ended up telling the customer Rep to transfer {$95.00} from his account to mine since he felt bad what happened to me. The unfair treatment to Amex customers! I felt ashamed by how Amex handled my situations.

I have contacted Amex through chat, phone twitter multiple times ( at least 8 times ), I could n't get any credit or fees waived. My boyfriend called in once- got his intro fee waived even he was calling on my behalf, oddly enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXXXXXX US DEPT ED XXXX {$5700.00} XXXXXXXX XXXX  XXXX {$110.00} XXXX XXXX   XXXX  XXXX {$310.00} XXXX XXXX XXXX {$11000.00} XXXXXXXX XXXX  XXXX {$2200.00} XXXX/DOFED XXXX {$9500.00} XXXX XXXX  XXXX {$340.00}

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 2020-09-11
Company: Experian Information Solutions Inc.
State: CT
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 did not open or authorize this account, and I therefore request that it be closed immediately The accounts are listed in the attachments.

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 2020-11-27
Company: Experian Information Solutions Inc.
State: KS
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 call the Experian and you can't talk to them at all talk to that this prompt that I'm having is not to talk to them and. Tell me my credit report account on and I can't fix my credit report on online at all and won't I try to fix. years go I got my credit report account fix. then the Experian let this XXXX collection agency put there bad credit on my credit report account and it knot my XXXX account at all I don't won't them to is tell this XXXX collection to stop put XXXX collection account on my credit report account and tell this XXXX Company to stop put this XXXX account on my credit report account sir. Idont. won't to give any information that you need to. Find my credit account at. all so don't ask me for it at all so ask me any questions about me sir

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 2022-11-19
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account with US Bank in Arizona with a cashier 's check for in the {$20000.00} range and automatically was informed that there is a automatic 5-day hold for that which was fine however after the 5 days was passed I went to remove funds from my account and there was another whole place on my account asking for address verification and I submitted a registration on a vehicle for address verification and was informed that as soon as I did so my friends would be released in the hold would be removed and that's not the case they inform me incorrectly or change their mind because now they are saying that the funds or the registration needs to be reviewed and then the funds will be released I've been without my money for now 7 days with this Bank when I deposited a cashier 's check just as good as cash I could have cashed it at a check cashing place and had my money and not been in a predicament or situation where I'm without my money I need help or someone to review my situation and press that my review takes place in my money is released so I can use it as needed

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 2018-10-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 my loan with XXXX  XXXX was sold to XXXX XXXX/Shellpoint Mtg Servicing. XXXX XXXX transferred my loan information to XXXX XXXX/Shellpoint with a negative escrow balance of {$480.00} for flood insurance. This was in error because I have had continuous flood insurance coverage since XX/XX/XXXX. I have never had an escrow account, as I pay all my taxes and insurances myself. I addressed it immediately with XX/XX/XXXX/Shellpoint because my first statement from them showed the negative escrow balance of {$480.00} and they added an escrow account and increased my 30 year fixed rate payment. I have called, faxed and emailed several times a month since XX/XX/2018 to get the corrections made. Each department says it's up to a different department to fix it. As of XX/XX/XXXX, I have repeatedly submitted evidence of continuous flood coverage dating back to XX/XX/XXXX including the letter from XXXX XXXX. XXXX XXXX will not help, they state they do not have any files or information ... that everything was sent to XXXXXX/XX/XXXX/Shellpoint. XX/XX/XXXX/Shellpoint puts me off continuously by stating a variety of non-sensical and non-applicable reasons for not making the correction. The last supervisor I have been speaking with in the Insurance Department ( XXXX XXXX ) states that " he is waiting for response from his contact at XXXX XXXX ''. This is FIVE MONTHS of being blown off by XX/XX/XXXX/Shellpoint ... all the while my FIXED Mortgage payment increased {$40.00} per month. I have NEVER had a missed or late payment on my mortgage and I do not want XX/XX/XXXX/Shellpoint messing up my excellent credit because they can not be bothered to correct the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$12000.00} FSB XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00}

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 non-monetary relief
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: NY
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:
The accounts listed below must come off of my credit reports immediately! They do not belong to me. I complained to each bureau, filed an FTC Complaint and I will be filing a lawsuit if these accounts are not removed from my credit profile! By law if the credit bureaus do not have copies of the original signed documents bearing my wet signature then they must remove the accounts from their rosters and cease reporting it because they are either knowingly or unknowingly supporting fraud. 

1 ) XXXX {$6800.00} XX/XX/XXXX 2 ) XXXX/XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX   XXXX  XXXX {$5300.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX  {$130.00} XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXX 6 ) XXXX {$210.00} XXXX 7 ) XXXX/XXXX {$540.00} 8 ) XXXX XXXX {$620.00} XX/XX/XXXX 8 ) XXXX   XXXX XXXX {$1100.00} XX/XX/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 2018-02-06
Company: Revenue Enterprises, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked Revenue Enterprises for a debt verification since I have been receiving different debt collection accounts with different amounts. Weeks later a debt collector from Revenue Enterprises called me asking for my spouse, my son, and my personal information. I refused to provide him the information, he threatened me to report me to the credit report agencies and that he was going to damage my credit. 

On XX/XX/2018, they answered my request for debt verification on one of the accounts. I'm still waiting for the other two accounts. I received a statement that only shows the services provided and the amount already paid, but they fail to send me a detailed receipt and they refused to tell me why I owe them this money. It looks like they want me to hand them my money for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 initially contacted Portfolio Recovery Assoc, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX VA on XX/XX/XXXX regarding the company reporting a collection account from XXXX XXXX  Account Number : XXXX Amount:XXXX  that doesn't belong to me. I provided the agent with my SSN and was told there wasn't any accounts under that SSN. He then asked me for DOB and phone number. Which I provided and still nothing. I then provided him with the account number from my credit report. He was able to pull up the account. He stated that the debt was from XXXX and it has my phone number and dob. However when I provided my DOB and Phone number at the beginning of the call he couldn't pull it up. Well I just received my phone number on XX/XX/XXXX so theres no way that the phone number was provided in XXXX by me. Also he stated it was my DOB but the SSN didn't match. Theres no way the debt is my debt. The address doesn't match any address I have lived at. He then admitted they ( Portfolio Recovery Assoc ) are in the practice of updating the information on accounts ( such as the DOB and Phone Number ) from what it was originally which seems like unethical practices ( the DOB and Phone Number ). I requested to speak with disputes and was given a false number and told someone would contact me which never happen I called XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. What no avail. I also disputed the information with XXXX. But after they have unethically updated the information to match my information XXXX  did not remove the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-29
Company: Open Assets 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: Public record information inaccurate

Complaint:
I entered into a contract with XXXX XXXX/XXXX and the date of my last payment was XXXX XX/XX/XXXX. This account was brought by XXXX XXXX XXXX on XX/XX/XXXX. Date of Delinquency XX/XX/XXXX. I personally feel as though the Statute of Limitations have expired on this account based on the year the judgement was filed. In addition, there was no renewal of the initial judgement entered. This neglect was due to a divorce and loss of job. I really feel as though this judgement must be removed from my title on my home based on the Statute of Limitations.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-30
Company: Experian Information Solutions Inc.
State: MI
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 had a couple of errors removed on my credit report with Experian. One of the accounts are showing its in collections.Experian Report number # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX .... It is still showing it was in collections which this account was never in collections and this account was paid on time. On XX/XX/2018 I went down to the XXXX XXXX XXXX XXXX to dispute this and they found out there was a error on there part. I have asked them to remove the collections from my account and they said there's nothing they can do about it and that I have to dispute it with Experian. I asked the lady if they can give me a copy of there mistake to give to Experian for them to remove it off my credit report and they told me that they can not give me that information. I have been disputing this for over two years with Experian. This is the 5th time I have contacted Experian and they have failed to delete the collections on this account and turn it into a positive. Experian has said that they have looked into, but never received any information to prove it was in collections. It has been two years disputing this and its Clearly violation of Section 611 ( 5 ) ( A ) and continue to show their blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more then merely parroting information received from other sources.That 's all Experian has been doing the past couple of years and its against the law and clearly in violation of 1681 ( a ) ( 4 ) I asked Experian to give me the name of the person in their company who verified the accuracy of the account, but Experian ignored this request as well which is another violation of Federal Law! The law is very clear as to the civil liability and remedy available to me ( Section 616 & 617 ) if Experian fail to comply with Federal Law. I  want Experian to know if we go to litigation and their company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that Experian used to verify the dispute account.So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- Experian is required to " promptly DELETE all information which can not be verified. '' I request that you do this immediately, which I am sure are already aware of. 

Delete the negative collection on this account : 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 explanation