BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-04
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened Td Bank Premier Checking account XX/XX/XXXX using link that advertised {$300.00} bonus. Followed all terms and didnt receive bonus. Contacted customer service on XX/XX/XXXX and they said I should receive the deposit by XX/XX/XXXX. Did not receive. Called customer service and was told they would look into it. Had to call multiple times and was first told I would have been only able to signup with a flyer ( false ). Then told I didnt sign up during a signup period ( which is false ). Every time I talked to someone I got a different reason why. On a side note, my boyfriend and I signed up at the exact same time using the same generic XXXX link and he received his bonus no problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my house and received pre-approval letters from Bank of America ( BOA ), XXXX XXXX XXXX XXXX ( XXXX  ), and XXXX XXXX  ( XXXX ) to purchase a new house. My XXXX credit score ( depending on the credit bureau ) ranged from XXXX to XXXX. Except for the property I sold, the only other outstanding debt was on my car. I have never been late for any type of payments. The purchase of the new house was based on a {$300000.00} sale price, me putting {$50000.00} down, and a 30-year fixed rate conventional mortgage. When the inspection of the new house was completed and I wanted to move forward and finance the purchase, I asked all XXXX firms for final financing quotes to be able to lock the rate. The offers ranged from 4 % to 4.4 %. However, the closing costs/cash to close, based on a {$35000.00} downpayment ( the firms stated this amount, not me - since I could afford {$50000.00} ) were {$21000.00} ( XXXX ), {$27000.00} ( XXXX ), and {$47000.00} ( BOA ). Nobody I spoke to, even the realtor, could explain why the closing costs were so high. It meant I had to find at least {$56000.00} to purchase the property ( {$35000.00} downpayment plus {$21000.00} in closing costs ). Th  realtor says there may have been a change in the rules that she was not aware of. I had to cancel the purchase of the house.

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 2018-02-04
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Law offices of Mitchell , XXXX XXXX XXXX XXXX XXXX , XXXX , TX XXXX  , filed a collection account with XXXX XXXX on XX/XX/2017 . This has just come to my attention this morning . They claim that there client is XXXX XXXX XXXX . I do not owe any money to these entities !
I do not have an account with XXXX XXXX XXXX , I never signed any credit application nor did I guarantee payment of any nature to XXXX XXXX XXXX .
I did not submit my social security number to XXXX XXXX XXXX or this alleged law firm . I have not seen any paperwork supporting any claims , I have had no explanations , I have received no phone calls , just a bold faced lie publish on my credit report .
I am outraged that someone in this day and age can file a false claim , invade a consumers private credit report and publish false claims resulting in public embarrassment and tarnish ones reputation .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04
Company: Navient Solutions, LLC.
State: NJ
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 have been in a constant struggle with Navient in reference to my astronomical student loan debt. I have been paying since XX/XX/2011 and have had problems at every juncture with this company. I can not begin to explain the stress, aggravation, and complication my mother and I have experienced with dealing with Navient. There has been instances when customer service representatives provide the wrong information, place is on long holds then disconnect the call only to repeat the call process sometimes three or four times in order to speak with a customer service representative. Furthermore, the money allocated has never been allocated properly. I have also not been able to pay XXXX a month and have taken forebearances. That only makes matters worse and increases your payment after three months. All in all I have been screwed by Navient from the start and someone needs to hold them accountable for there terrible customer service, there unforgiving mistakes that have caused me and my family stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Account Brokers 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 3 collections that should be deleted as the collections agency was collecting on the debt previously since 2018 for a large consolidated account that was in litigated. I did not received notice. Once I was made aware of tehse accounts through my mortgage broker. I contracted the debt collector paid the accounts in full and the debt collection agency agreed to remove the accounts delete them from my credit report as I did not receive notice. I am being denied a mortgage as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights.

15 USC 1681 Section 602 states I ave the right to privacy.

15 usc 1681 Section 604 A section 2 state a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-01-22
Company: Blackhawk Network Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020, I purchased 6 Reloadit cards and put {$500.00} on each card for a total of {$3000.00}. I created a Reloadit " safe '' and used a compatible pre-paid card, XXXX, to load money from the Reloadit " safe '' on the card. 

I have been unable to load money onto the card and I keep receiving errors that say they are experiencing technical difficulties. I have contacted them every day since to rectify the situation and they have not responded. 

I would like a full refund of my {$3000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12
Company: RentDebt Automated Collections, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THE AMOUNT THAT THEY SAY THAT I OWE IS WRONG IT WAS NOT THAT MUCH EVEN WITH THE LATE FEES ADDED TO IT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: CITIBANK, N.A.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I was wired XXXX Euro from XXXX, XXXX from XXXX XXXX on XX/XX/2020 and on XX/XX/2020 XXXX XXXX  posted {$67000.00} to my account before deducting their incoming wire fee. They informed me that the exchange rate that was applied by Citibank to this transaction was XXXX. The history of Euro to US Dollar exchange rate shows at that time the exchange was between XXXX and XXXX. This resulted in a short payment to me of approximately {$1500.00} US. 

XXXX has been unwilling or unable to give me contact information at Citibank, who they say handled the conversion from euros to dollars on this wire transfer. I am not able to follow up with Citibank without this information. Does XXXX not have an international wire transfer desk for receiving a wire from XXXX? Why was Citibank in the middle of this transaction? Shouldn't they also be responsible for applying reasonable conversion rates on international currency transactions? Is XXXX also responsible if Citibank is acting as an agent of 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 2018-02-04
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I called Citi to let them know while traveling my card had been compromised. There was a charge for {$38.00} and another charge for {$4.00} and some change. I filed a disputed and was told I should receive my credits in 2 business days. Today is XX/XX/XXXX and when I called the representatives are trying to say I need to wait until AFTER the investigation. No, I dont. That is a debit account, thats MY money. I shouldnt have to wait until the investigation is over to get my credits. I find it odd that I have to wait until AFTER the investigation to get my money back when one of fraud Transactions was already returned.

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 2021-04-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: ERC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Enhanced recovery is trying to collect on another account that does not belong to me XXXX. This is not a duplecate account, this is a dispute on another account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: GA
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:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; XXXX, Equifax, XXXX shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX bank submitted a letter stating account was XXXX days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not XXXX days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is KILLING my credit profile and I continue to have to submit these complaints. They just dinged my credit score for 18 points for a payment account being closed that was closed 3 months ago!!!! My XXXX account has been PIF since XX/XX/2018 why are they just now reporting that??? I need some help with this company cause I cant call them and get help please someone! My Constant issue with them is their delayed credit reporting and yet here we are again, I am trying to buy a home and dont need this mishaps right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
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:
There are many mistakes appear in my report without my understanding.

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 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is reporting incorrect information regarding this account on my credit reports, this account was reported as charge off on XX/XX/2018. However, when an account is marked as charge off, it should not be reporting late payments and therefore is in violation of the FCRA. For this reason, this account should be DELETED from all credit reporting agencies due to violations of the FCRA.

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 2018-02-04
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Regions bank in XXXX, Louisiana. Withdrew {$40.00} from atm. ATM gave me {$40.00}. When I looked at bank app on phone it said I withdrew {$400.00}. Called bank and they said they acknowledged error and if was not corrected within a couple of days then I should call back. A couple of days later I called and bank told me I was being charged {$400.00} because I withdrew {$400.00}. They said that i was wrong and that there was nothing they could do for me. Because of all this my account was overdrawn and I have been charged an additional {$35.00} for overdraft fee. Have called several times trying to explain that the first time I called they said they saw error and were going to fix it. They have told me they admitted no such thing and that I am making this up. They still want their overdraft and overdraft fee paid. Refuse to pay even more because of their error. Account is now closed will never use regions bank 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 2018-02-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
our landlord ( XXXX XXXX ) ended our lease XX/XX/2016 with notice To vacate by the end of the month. XXXX lease owed XXXX minus security deposit XXXX will waiting for the final bill they fill a eviction process for non payment of bill, this time, at the court even though we vacated as demanded earlier. the case was dismissed and received a final bill of {$900.00}. this amount was over estimated by more than {$220.00} court fee ( the maximum by law is 10 % of monthly rent ) {$150.00} wich was the promotion given to us for the first month of rent. we are two cosigner of the lease and tried over 1 year to correct the and pay. but the refuse to listen, knowing that it will cost us more than the amount they claimed to fill a law suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: MO
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
So this card is a store credit card I do own. I was a little taken off guard, because I did comtact Jcpenny and  told them my situation back in XXXX that I got laid off from a very good job that i've been working at a longtime. If they can work with me. The lady I wish I remebered her name told me don't worry so many people are in your shoes we understand just keep us informed. I told them once I get my finances situated I will call you back to figuire out what I can do. I love Jcpenny, I've been shopping Pennies since I was a child. SO for them to be on my credit report as a negative balance I was shocked I called them and told them everything. So since I found out that my Personnel Private Information is out there for anyone to grab. I pulled credit reports and saw JCP on there I called back fixed it all with the agent I can't remeber her I know I shouild of wrote it down. She was so nice fixed all my late fee 's basically she put my account back to normal. So it should all be good now. I ; m hopeing it is.

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 2018-02-04
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
coinbase.com has to give money to me as part of selling virtual currency. coinbase claims they initiated below wire transfers to my XXXX XXXX XXXX bank account. but money never arrived in my bank account.My bank clearly says they have not received the wires from coinbase. I have contacted coinbase many times but they never resolve the issue. please help me to get my money 1 ) {$2700.00} USD on XX/XX/2018 reference no XXXX 2 ) {$1300.00} USD on XX/XX/2018 reference no XXXX 3 ) {$240.00} USD on XX/XX/2018 refernce no XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2020, I received a letter from my bank stating that, after a revision of TransUnion, my credit score was XXXX. I never remembered it being this low, so I go on the TransUnion site. I put in my information, thinking I'm going to get a free report like XXXX or XXXX. I was little confused when it asked for credit card information, but it said it was for verification purposes, so I put the info in. Next thing I know I'm getting charged for {$26.00}. I called a rep, and he said it does say there will be a charge. Off to the right, in tiny font, in a window that looks like an advertisement, it says you're actually signing up for a subscription. I called the rep again, XXXX, and he stated he will close the account and issue me a refund. He said I would receive a confirmation, but nothing has arrived. This is terrible, and CFPB, you really need to do something about this. I've read hundred of complaints on the XXXX, XXXX XXXX, and other sites and I have seen that other people have experienced this same thing, and it would appear that nothing is being done. If your job is to protect consumers, you need to have TransUnion do something. They need to make it BOLD and CLEAR that you are buying a subscription service. They need to not put " this will be used for verification purposes ''. This is clearly deceptive and misleading. I have read about people having overcharges fees due to this nonsense. DO SOMETHING PLEASE!

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