BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: HANCOCK WHITNEY BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I applied for Hancock whitney online checking account opening process. Initiated a deposit of {$51.00} to have this process kick started. Today I got a call and then an email to send the photo id by email. Gentleman stated that application got stuck in the system. I sent the DL scanned copy. After few minutes- got an email with how to access the account online. I already uploaded the photo id by online application process. 

Step 1 : You'll be able to log in the day after opening your account. Download the Hancock Whitney mobile app on your smart device.

For Online Banking, go to hancockwhitney.com and use the Personal Online Banking option from the drop down menu. 

Step 2 : Log in with your initial credentials below : User ID : first and last initial + 8 digit DOB ( i.e. XXXX ) Initial Password : " Go '' plus the last six ( 6 ) digits of your social security number ( i.e. XXXX ) None of this worked. 
Called XXXX at XXXX XXXX  and was talking to XXXX. She got all the information about me, Social security number, date of birth, can verify me by sending the text message to my registered phone. But still I can not login and get my account number and routing number. She told me due to security reasons she can't provide me this. 

It seems that this bank- Hancock Whitney is not at all organized and all the parts are broken. Worst thing- they have the customer facing employees like XXXX who are thinking that they are doing a favor to the customers by working in this bank. Hancock Whitney must accept that their systems are not working and report it to the customers ( website and automate calls ) rather than be so coward and shameless not to admit and acknowledge that any problem exists.

Moreover if the online system doesn't work- there are alternative ways to serve the customers rather than having sorry face.

It's a chicken and egg situation - customer service won't provide the account number and without account number, customer like me can not have the online access. Shame on Hancock Whitney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
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: Investigation took more than 30 days

Complaint:
Equifax had a breech of security early in the year and failed to notify the public. I now have my information on the dark web. I have had my XXXX card compromised even though I had the card on my person including my identity was stolen. They were able to obtain my address, cell phone, address, account number with the security code on my XXXX. I just recently had my email attacked and XXXX shut it down for an entire afternoon for suspicious activity. I am a XXXX and my cell and email are my business!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because it is affecting my score negatively. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX and I am submitting this complaint against BANK OF AMERICA BANK OF AMERICAhas this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to BANK OF AMERICA to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) BANK OF AMERICA duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

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 2017-10-26
Company: Key 2 Recovery, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I receive calls from a " XXXX '' representing " Keys to '' or " 2 '' looking for a XXXX XXXX who I am not. I have explained to this " XXXX '' several times over several phone calls that I do not know who this XXXX XXXX nor do I know how to reach him. 
I asked repeatedly told her to stop calling me as this is harassment. She previously stated that she would take me off her list but she obviously has not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX following items do not belong to me and is a result of fraud that I did not authorize : 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
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

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 2017-10-26
Company: EQUIFAX, INC.
State: MS
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 submitted all required documents to place a fraud alert, fraud account block on my report and equifax refuses to comply with the FCRA and/or FTC laws and placing this account block, every piece of information they requested was faxed and done twice, and this case is a refusal by this company, equifax to comply, and was told it was there policy, this is not a normal dispute, this is a serious matter that they are breaking laws and will face suit in XXXX XXXX, Mississippi within 15 days if they are not made to comply with the laws to protect consumers as which they are simply ignoring and are not made to abide by. I want this file blocked per ; The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( " FDCPA '' ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: AL
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 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, On XXXX I lost my job. I was placed in a financial crisis and was unable to pay cards. Unemployment took a very long time and me and my children were facing eviction. I spoke with several reps at Capital one to see what I could do in XXXX. I started back working the end of XXXX and made a payment to try to avoid closure XX/XX/XXXX. They took payment and closed account XX/XX/XXXX. They applied my XXXX security towards balance. I went in account XXXX to make another payment and noticed account was restricted and closed out. They couldnt explain why/decision was made to close account. With everything going on with loss of jobs, financial crisis due to pandemic, it would seem some of these companies would have something in place to assist at this time. My account was open for over XXXX years. I am a single XXXX and was trying to purchase a home by next year for me and my family. This is XXXX  me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, 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 information incorrect

Complaint:
I am here to provide proof that Equifax did an illegal act and broke the Fair Credit Reporting Act when they had re- aged a XXXX XXXX  XXXX Account which is reporting on my credit report. All the evidence is taken from the Equifax online account. It has the date at the top of the page when the information was downloaded. Equifax was saying that the XXXX XXXX  XXXX Account that is reporting on my credit report was XXXXyear, XXXX months and XXXX days old. On the Equifax report they claim that the last payment on this account was XX/XX/XXXX. So, they were determining the age of the account based on the date that they claim that the last payment was made on the account and this was illegal. This is despite the fact that on the credit report they are claiming that the account was opened in XX/XX/XXXX. They have now corrected the age of the account after filing my complaints. Because of the violation I asked them to delete XXXX  XXXX XXXX from my credit report but they have refused. This complaint will be apart of the suit that I tend to file in small claims court against this company so as to get this account removed. 
I just thought that I would bring to the attention of the CFPB the illegal action that was done to me by this credit bureau. Kindly see files attached with proof of re-aging that was done by Equifax on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Personal information incorrect

Complaint:
After review of my personal credit report, I see inaccurate information of accounts that were previously erased and than put back on my reports wrongfully and without my written consent.These issues are in violation to The Fair Credit Reporting Act, 15 USC Sec 1681 ( I ) ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( C ) ; and 15 usc 1681 section 602 A

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 2022-04-01
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has failed to comply with 15 USC 1681c. I never gave authorization, to any consumer reporting agency to make any consumer report containing any of the following items of information, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 USC 1681c ( 4 ) and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years pursuant to 15 USC 1681c ( 5 ). Experian is furnishing accounts to my consumer report that is a violation of this section. Experian has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ), they are reporting accounts that are inaccurate. There are accounts reporting to my consumer report which are furnished as credit card and auto loan accounts but this information is incorrect based off of the bureau definitions. Experian has failed to comply with 15 USC 1681a ( 2 ) and is liable pursuant to 15 USC 1681n. The consumer report does not include : any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) they have furnished reports containing information which is supposed to be excluded from all consumer reports this is a violation of this section. Experian has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never gave consent or authorization to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer 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 non-monetary relief
Consumer complaint received 2017-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed unauthorized charges of over {$4000.00} taken out on my checking acct after returning from a 4 day stay in XXXX, NV. i reported them quickly to XXXX XXXX. 
I filed claims and was checking on the status daily for close to XXXX weeks. Several times i was told by superiors that the following day my funds would be credited back in my account. I dont believe that the bank would even allow that amount to be taken out of my acct.in one evening. I had to get authorization from them to once withdraw {$400.00} in one day at an atm. But yet they allowed over {$4000.00} to be taken. 
What happened to exceeding the daily limit to protect me. This is clearly an error on their part. But B of A is denying my claim. They have never reached out to me. I know this from getting updates from calling them, daily. They XXXX XXXX my pin and XXXX werent stolen, im responsible because the chip was used at every transaction. I explained how the card and pin were left in my vehicles glove dept. I valet parked at least 6 times that evening. 
I took out a car title loan to help us through our hard times. Now i have no electricity for over 10 days now. All my food spoiled. My water is getting shut off today, all because i cant pay my bills because my funds were taken. No credit was ever issued back to my acct. I did not take that money from my acct and regret ever depositing it. XXXX are my rights. I know im being taken advantage of. 
Sincerely, XXXX XXXX https : XXXX I filed two complaints on the XXXX & XXXX of 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 monetary relief
Consumer complaint received 2022-02-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A balloon payment is due on the second mortgage XX/XX/XXXX in the amount of $ XXXX about. The company is Select Portfolio Servicing XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I have been working with the company since XX/XX/XXXX for a term extension of a few months. We are working on a 103 year old house to get it ready for the spring market. My wife is an experienced top realtor in our area. We can fix the house or pay off the second but can not do both which we have told SPS many times on recorded lines. The house is un-sellable without the deferred maintenance items remitted. We have provided SPS with front and back check copies for $ XXXX of contractor work to date. We have offered in writing to pre-pay any term extension. We can not refinance as I am unemployed do to COVID and my wife 's business has been negatively impacted. 

SPS says they can not extend term or help us because we are current on the loan. None of their loan modification products appear to address being current and asking for short term extension. They have told me numerous times that is because of federal rules which I do not believe to be the case. 

Just got off the phone with SPS ( noon XXXX XX/XX/XXXX ). The agent implied that I could make my regular {$550.00} XXXX payment on line on their site and it would be accepted. He also said for us to apply again for loan modification XX/XX/XXXX which we will do. 

We are trying to not have our credit harmed when we miss the XX/XX/XXXX balloon payment while making our normal monthly payment. 

I have documented every call and there are lots. The CFPB web sight shows 25 complaints on SPS in XX/XX/XXXX alone and XXXX CFPB complaints over the past 3 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Name and address is not correct if sent in a dispute letters XX/XX/2021 and haven't received a response. This is causing great stress.

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 2021-05-13
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I already have a mortgage through NewRez ( XXXXNEWREZ LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) and back in XXXX I started shopping around for a refinance. I turned down two lenders in order to refinance through my existing mortgage company, NewRez. I was given a loan estimate on XX/XX/ and I've had my closing dates rescheduled for months and my rate lock extended for months. The process dragged out so long that interest rates went up and I had to stick with the loan application I had with them or risk losing the rate I could only get through them due to the rate lock. Then, when I finally did have a firm closing date and time scheduled ( which is Friday XX/XX/XXXX), I'm being asked by a third party handling the close locally to wire closing costs in before the close but I'm 24 hours from closing and I still have not received a closing disclosure and I do not know what the final terms of the loan are or why my closing costs have jumped from the estimated {$3200.00} to {$5500.00} due. I understand that the pandemic has slowed things down but it's taken almost five months to close and for my conventional loan I'm supposed to have my closing disclosure three days prior to close. This company shouldn't be offering refinances or mortgages.

Company response to consumer: Closed with explanation