BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: FB FINANCIAL CORPORATION
State: FL
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:
FirstBank mortgage unfairly reported our account as 30 days late. This was the first late charge my wife and I have EVER had in our 20 years of credit history. 
FirstBank failed to notify us in a timely manner, that our payment had not been processed. By the time we learned about the late payment, FirstBank had already submitted a negative report to the credit bureaus. This is not right. 

FirstBank failed to provide even the most basic level of customer service. If they had simply called us to let us know there was a problem, we would have gladly wired them the money the very same day. Instead, FirstBank 's incompetence, and continued indifference has resulted in a significant impact to our credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today and yesterday I received repeated calls from Wells Fargo dealer service after they have left messages and they continue to call me

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 2018-01-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a CARECREDIT card that was utilized in two separate transactions. I set up an auto-pay for well over what would have been needed to pay off the first purchase in the " promotional period ''. I then noticed on the next to the last statement that the payments are not applied in such a manner that the promotional balance is being paid off first ( which is convenient for the credit company due to their strict language of penalties if not paid off ). I then sent in an additional payment and indicated on the check and on the bill statement that the payment should go the promotional balance ONLY. I went ahead and called just to make sure that this was done according to my wishes. The customer service rep told me that they will ONLY apply to one balance over the other IF you call to request this. I was told that only because my promotional period was not expired yet that they would do this for me. I subsequently looked at the reviews online and see that this is an ongoing issue for many poor people looking to get help with our exorbitant health care costs. It is a shame that companies like this are able to take advantage of us. Nowhere on the statement does it say that you have to CALL in order to apply to the correct balance. I am not out any money because I am conscientious, unlike many of the poor souls that I read about on the credit rating companies. This should be stopped.

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 2022-02-09
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have contacted my bank. PNC multiple times because between them and XXXX  XXXX i havent had access to 450 dollars for over 6 days. Its not reasonable or fair that the government allows these large billions of dollar companies to take advatage as they please of normal everyday people. I have literially had no money for 5 days because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Atlantic Recovery Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Recovery specialist, XXXX XXXX, called multiple times, leaving voicemails on my phone as well as on my husband and mother in laws. She left my personal information as well as threatened wage attachment and asset XXXX. I have saved the voicemails. When I called XX/XX/22, she said she did not say that. Accused me of trying to get out of paying my bills. Started yelling and saying I just want to get out of paying my bills. I tried to say to cease and desist any further communication but XXXX XXXX decided to say pay your bills and hung up on me. I called back to verify she heard my cease and desist and she said yes, she did and to pay my bills. Thankfully calls are recorded and I have the saved voicemails. ARS sent a notice of the debt on XX/XX/22 AFTER my cease and desist. Unacceptable behavior by XXXX XXXX and ARS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
some time on or about 2016 American express review my account base on the fact that the score had drop. this is American we do not base customer on a score factor. we as American base people paid performer. so American express drop my credit to XXXX unit I could proven that I could pay my bill on time. so to day we got our income tax retune for our income tax to be payXXXX so my husband just pay it. on a card with a credit line and not think I just used my credit line up and it going drop my score aboutXXXX point so my husband ask me to contact American express and request XXXX increase not think that the score would be low. but I knew that American have my liquid asset on file and my personal finance statement in my file base on a score from XXXX last year. I have never missed any payment any late payment on any of my account. and that we just went through this last year after a score review by American express and we has to fax over our finance record the ref :XXXX USD the agent that was process the request never look at record on file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from XXXX XXXX XXXX XXXX XXXX today ( XX/XX/XXXX ) stating if I did n't resolve debt that they are authorized with in 30 days to file a lawsuit to collect the balance owing on the account. I have attempted to notify the hold of the debt. XXXX XXXX XXXX when they notified me of debt back in XXXX that this was fraud. I asked them to send me a signed copy of agreement and documentation they had. I never heard back from them. Now I am receiving a letter and a promissory agreement that shows no signature, just an electronic signature. I have also sent documentation to the credit reporting agencies showing this is fraud with no response on behalf of XXXX XXXX. They are outside of the guidelines of sending me verification of the debt back from XXXX XXXX. I request that this be investigated. They are in violation of the FDCPA by attempting to contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Have two issues currently - I recevied a letter from Mr. Cooper that my hazard insurance is expired when it is not, it was renewed on XX/XX/2022, Mr. Cooper did not check that before sending me that letter, Mr. Cooper is just a greedy company who wants to make money out of me. 

Secondly my Mortgage relief program was approved today but the Mortgage releif administration is having problem in sending the funds to Mr. Cooper ( Please see attached ) Both these issues and concerns were raised with Mr. Cooper attorney XXXX XXXX but there is no response from her end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed two unauthorize inquiries on my Transunion/XXXX Credit Report. I have reached out to the reporting companies, and it appears the issue remain unresolved.

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 2022-02-09
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: Old information reappears or never goes away

Complaint:
Here are attatched of all the proof u need to dismiss my 180 days late payments on my XXXX XXXX and Equifax report. this is concerning my education loan through XXXX. I have never missed a payment due to me always being on a deferment or forbearance option with the loans for my schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I obtained a Balance Transfer from Discover Card. I paid 3 % for the balance transfer of {$12000.00}, which totaled {$12000.00}. 

The next month, Discover, debited my checking account for the entire {$12000.00}. When I called to explain that the payment was to be limited to {$750.00}, I was advised that the system had submitted an aoutomatic payment for the full amount. 

I explained that I had an outstanding check for {$15000.00}, but I was advised nothing could be done to return the money. Instead, I was advised that it would take at least a week to return the money. When I asked for my {$360.00} Balance Transfer fee to be returned, I was advised that this would not be possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have a fraud alert on my report I didnt put there. Cant log on to account. Cant call them. Everything is about money to talk to XXXX XXXX that dont speak 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 2017-07-26
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear in your credit file. The credit bureau has not updated this information and per the new law the debts listed do not include this information and should be deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CITIBANK, N.A.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Sir/Madam, I appreciate if you would help me in dealing with CITIBANK. I find them unprofessional with XXXX regard for customers. CITIBANK Person who makes decisions is not ready to come to phone and the person i have on the phone does not understand my side. I have attached all the documents ( Dispute Letter, FAX confirmation, Address proofs with date and new address insurance ). 

In short someone abused credit card which XXXX/CITIBANK issued on my name. I never received CREDIT CARD OR ANY COMMUNICATION IN THE FORM OF MAIL, EMAIL OR PHONE CALL from any of these involved parties. Part of the reason could be becuase of my residence change. XXXX/CITIBANK sat on credit card for 14 months and later they passed it to collection agency XXXX XXXX which reached out to me at my new address. 

Ever since I found about it i have made every possible effort to resolve it with XXXX/XXXX/CITIBANK but CITIBANK like i said has XXXX regard. I made numerous attempts Summary XX/XX/XXXX I applied for XXXX 's Credit Card ( which is operated by CITIBANK ) in person at XXXX 's store but no confirmation was given to me by store weather my credit card was approved or denied. No credit card was handover to me. 

Later in XX/XX/XXXX - XXXX/collection agency informed me someone abused/fraud that card for {$100.00} in XX/XX/XXXX and it has balance of {$400.00} ( including fees and interest ). XX/XX/XXXX i moved out of my previous address and hence i never received Credit Card or Credit Card Statement or email or phone call from XXXX or CITIBANK about a credit card existed on my name with balance of {$400.00}. 

Regards 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 2017-07-14
Company: U.S. BANCORP
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on line to a trial merchant the items was eye cream & Face cream. the items did not work out and I called and canceled with in their time frame that was given to the costumer, their was to only be a charge for shipping of each item through the same company but separate shipping cost. One was {$4.00} and the other was {$5.00} but after I had canceled they must have immediately shipped out more product and when that was delivered to my address I checked my credit card charges on line and discovered They charged to my Visa credit card through U.S.Bank {$89.00} & {$86.00} for the initial shipment pulse {$92.00} that I had received on  XX/XX/XXXX . I called the company and told them I had called and canceled within their time frame and should not have been charged, and that they had sent out & charged another fee of {$92.00}. I then called the U.S.Bank visa credit card company and explained it all and said I was disputing the charges & I 'm fighting the credit card.

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 2022-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have two unresolved, unauthorized inquiries on my credit profile with Equifax. 

I have reached out to each company requesting that these unauthorize inquiries be removed from my credit profile. As of to date, these unauthorized inquiries remain in my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When responding to Chase 's letter I call and try to discuss the bigotry I have faced, then they warn me they will hang up if I continue to use profane language. I have only used the word bigotry. While bigotry itself is offensive the word is not profane or abusive. 
If Chase had used the interactive good faith process under the ADA and had accommodated my XXXX this would not be happening. 
Further when trying to ask how they could accommodate memory XXXX instead of inquiring what would be needed they indicated that they treat XXXX people the same as everyone who is not XXXX. The interactive good faith process would end this. 
Lastly Chase refused to respond to CFPB complaint id, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed a complaint to to CFPB on XX/XX/XXXX. I received your response but no response or correction from Transunion or XXXX. How do I get them to upgrade my scores?

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 2022-10-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

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 2018-01-02
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the BBVA Compass XXXX XXXX Credit Card. In the offer advertising mail sent to me it said 13 MONTHS SAME AS CASH. I entered the offer code online and I was approved. I received the card card. I did a purchase of {$550.00} on XX/XX/17. I just received the three page credit card statement today. NO WHERE on these three pages is notated the 13 month same as cash offer. On this day, over the past 5 hours I have called the company 's toll free phone number. Twice it asked me to leave a call back number, which I did but there was never a call back even 5 hours later. Many times I have called and a machine simply says, " Please try back latter. '' I have no way of getting this company to correct this if they will not contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
credit inquiries that i did not do are on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Resurgent Capital Services L.P.
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:
Have a fraud report number XXXX. Involving XXXX account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX Bank. Review Documentation. Fraud accounts must be removed ASAP according to FCRA guidelines. I will also be faxing documentation over

Company response to consumer: Closed with explanation