BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX-18, I opened a checking account with the promise of a {$200.00} bonus ( https : //info.regions.com/regions/18/hhg/cashoffer/campaignlp/index.html? promo=200PD18Q3 ). 

I later opened a savings account and was promised a {$100.00} bonus if I made regular transfers for six months. 

On XX/XX/2018, I received a form letter from XXXX XXXX with Regions Bank : " We are unable to verify certain information '' and requesting a copy of a Lease Agreement, Mortgage Statement, or current utility bill. I am currently living in a XXXX XXXX  home, so have none of these. Does this mean Regions no longer wants my business? Please explain why you would threaten to close my accounts if I don't provide documents I do not have. I think the answer is simple : Regions is trying to avoid paying me the {$200.00} promo they promised me when I signed up -- for shame REGIONS! 

I spoke with XXXX. She tried to help, but, alas the bureaucracy wouldn't allow it! She assures me that the letter wasn't an attempt to deprive me of my bonus. She stated that it was generated when a Regions person accidentally entered a PO Box as my physical address, and that it had been fixed. I asked for a letter verifying that it was fixed and my accounts would not be closed, but apparently that isn't " policy, '' so can not be done. 

They were quick to put their threat to close my account in writing, but can't give me any assurance that it is fixed in writiing -- how is that fair? Shouldn't everything about a business relationship be able to be put in writing -- at least as long as everyone is dealing in good faith? 

I still think they are trying to avoid paying the {$200.00}

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 monetary relief
Consumer complaint received 2017-11-17
Company: AES/PHEAA
State: NC
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:
XXXX XXXX, also reporting loans as US Dept of Ed/ XXXX is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts between both XXXX  XXXX and USDE that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XX/XX/XXXX to XX/XX/XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XX/XX/XXXX are removed as we are coming into a new year. I need this done ASAP, as XXXX XXXX/ USDE is partaking in illegal reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
In email correspondence, I was promised by a representative of Freedom Debt Relief that if I deposited approximately {$420.00} per month into my account, they would settle all of my debts with creditors in 42 months or less. When I asked Senior FDR Account Representative XXXX XXXX on XX/XX/2016 what would happen if FDR negotiators were unsuccessful in settling my accounts within that period, he responded that the 42-month estimate represented a conservative calculation, that in fact the target date was overestimated. He added, We like to under promise and over deliver. He added that if FDR negotiators " get better results you will be dept free a whole lot sooner. Finally, he wrote, 46 months is a worst case scenario. Given that assurance and only on account of that assurance I agreed to sign up with FDR. In recent months, however, they have asked me to approve two settlements that would require me to make payments to the creditors over the next four years. I have refused to do so. I regard these settlements as breaches of my original agreement. In fact, they represent no debt reduction at all, and in fact, since they also require me to pay a fee to FDR for their services, they represent an increase of my original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: EQUIFAX, INC.
State: FL
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:
Hard Inquires Equifax Mortgage Services - XX/XX/XXXX Certified Credit Report - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Customer service wouldn't take care

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
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 use Bank of america ATM to withdraw some money from my account, my bank account is a foreign institution name XXXX, on XX/XX/XXXX I used the ATM and tried to withdraw $ XXXXUSD, but the ATM automatically denied my transaction with the message " Exceed limits '' to withdraw. Due that I decide to take just {$200.00} and come back the next day. on XX/XX/XXXX I tried to get my remaining funds to complete the $ XXXXusd but this time the ATM said I didn't have the funds to dispense the money. 
I contact my bank and they said that a transaction of {$540.00} was approved on a ATM, I dispute that charge since that day but my bank ( XXXX ) initiate the investigation and a result bank of america did approved the transaction but the ATM no/no release the money. I been trying to resolve this matter with bank of america but they just don't help at all, many phone calls and visits to the branch were the ATM is located but they saying they don't have any record of my transaction and they don't give the money back is already been almost 2 months and I have not resolve this issue with Bank of America. My bank already make a dictamen saying that bank of america approved the transaction they will not do anything else. Bank of America ATM or someone in that branch keep the money and now they dont release to 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 2018-08-16
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rash Curtis and Associates is trying to collect a debt that has passed the Statute of Limitations in California. This was a charged off account by the original medical facility.

The FDCPA, or fair debt collection protection act, says this has to stop being reported to the collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One has not provided requested info which includes their PHYSICAL mailing address for notice of small claim suit as well as name and number of their legal council. I've requested this information numerous times via complaints to CFPB, a XXXX XXXX replies with a web site address, does not provide PHYSICAL address or name and number of their legal council. The small claim suit is regarding a stop payment on a close out check in error on end of Capital One, reissued and intercepted by a third party, cashed fraudulently in my name. Capital One has my signature on file and is well aware the signature on check is not mine, insists the person whom cashed check lives at my address and is related, does not have proof funds were received by myself, which they were not. The total amount involved is XXXX, XXXX XXXX refuses to do anything further, thus need for small claim suit. In her last reply to CFPB, she stated she will not keep replying but refuses to provide a physical mailing address ... She provides her number in correspondences but does not return calls, a total of seven ( 7 )  messages left, none returned..The CFPB might be able to step in this matter to assist in resolution ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
Ive sent Midland Credit Management numerous letters requesting any proof bearing my signature and to date that only send an itemized bill, regarding an account which they states I owe {$430.00}. They are still sending letters and calling me regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been having issue with my bank accounts. ( XXXX XXXX XXXX yrs - I moved my account to Citibank ) My auto pays dropped to medical insurance and association s. Then reappeared the following month after writing large checks to creditors ( association and medical ) its been happing in my XX/XX/XXXX credit cards ( 21 yrs a customer- as well as XX/XX/XXXX) I have reported the thefts to all creditors and they are not doing anything about these frauds and theft of my funds. 
Im XXXX and need assistance to stop this harassment of my civil rights as privacy rights. 

I believe the damages are over 10. 000 which makes this bank robbery. 
I went down to Citibank and I hav XXXX missing from my account. As well as fraudulent charges on my credit cards. I have someone going on like and fraudulently changing my us mail address - ) in whichXX/XX/XXXXtoday claimed to not be getting any statements back. ( I dont receive account statements ) I also was dismissed after 4 yrs  of reporting this fraud. And asked to attempted the same steps over over. I am not seeing my any changes in credit cards that are suppose to be frozen and unable to use. The companies are allowing these transactions anyway. I have filed police reports because these companies are claiming to not have documented my complaint s - 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 2023-04-13
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this is not my debt. this is a cause of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Hello, the reason why I am starting a complaint today because I am tired of continuing to try to solve this problem on my own and I do not get an answer that supports the fact that this account is in my credit report.I do not understand how this account across the three Credit Bureau is different. 
Credit Bureaus required to obtains verification from the same Data Furnisher, in this case the U.S. Bankruptcy Court in XXXX, Nebraska. 
Having said that, how between TransUnion y XXXX this information are reported different, and the funniest thing is in XXXX is not a Bankruptcy reported. 
I'm sending you proof from the 2 companies ( XXXX  XXXX and XXXX XXXX ) that i use to monitor my credit. 
Thank you for your time.

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 2018-05-31
Company: OLIPHANT FINANCIAL, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a suspicious letter on XX/XX/XXXX dated for XX/XX/XXXX from a company that claims a debt was sold to them.

Didn't receive notice of right to dispute.

* The letter does not advise of my right to dispute Didn't receive enough information to verify debt.

* The letter only indicated a credit account ending in XXXX, an amount, and the last payment allegedly made.

Notification didn't disclose it was an attempt to collect a debt.

* No indication that it was a debt collector or the letter was an attempt to collect a debt. ( No mini-Miranda ) I will not initiate contact with this company as it looks suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have not been able to access my own report on Experian.com I disputed in writing 90 days ago and got a post card with website address to dispute which DOES NOT work and REDIRECTS ME TO THE PHONE # S which is a 1-2 hour hold then answer to all personal questions. The agent has the nerve to ask if I'm a " BOY OR A GIRL .... '' because he said I sounded like a girl .... why does it even matter and is it part my credit report and Experian MUST know????? when we finally got to the dispute part he tells me that I need to enroll for a $ XXXX/mo credit monitoring to be able to dispute information on my report. He said " free disputes are being taken away by Experian and consumers no longer can dispute on line or in writing unless they have a paid subscription ... '' THIS IS EXTORTION .... CONSUMES SHOULD HAVE A CHOICE IN PURCHASE AND SHOULD HAVE FREE ACCESS TO HIS/HER OWN 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 monetary relief
Consumer complaint received 2018-02-23
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt was first sent from XXXX XXXX XXXX phys to ability recovery services LLC and was settled at a 20 % discount ( original amount due {$200.00} ) for {$160.00} in. However, proper documentation was not made and it was then sent to another collection agency, XXXX XXXX XXXX. I notified them that the account was settled however, it was then passed onto XXXX XXXX XXXX. XXXX reported it to collections and I have a derogatory mark on my credit report. I received documentation that the account was paid marked XX/XX/2016 from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have tried to have these fraudulent account removed from my credit file multiple times. XXXX XXXXXXXX XXXX Account # XXXX. Bankruptcy chapter XXXX-dismissed Account # 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 2018-08-16
Company: Niagara Restitution Service Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Niagara Restitution Service ( NRS ) contacted me at my work phone number then contacted my supervisor and told them they were a process server and then told me that they would garnish my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I began calling the company several times in the weeks leading up to the end of the lease. I requested a payoff amount so that I could purchase the car outright. I was told that I would receive the information in the mail. It took at least 10 calls to get someone to give me even a ballpark figure to pay the car off. I finally  could not wait any longer, as my lease was expiring at the end of XXXX, so I sent a check for around {$17000.00}, a figure I came to based on payments through the years. This meant that I paid over {$30000.00} total for a car whose value is around {$16000.00}. Yet the only thing I received was telephone calls from XXXX of XXXX telling me that, since I was a " loyal '' customer, I could turn the car in and get another leased car. This was not what I wanted. I never received any kind of receipt for the {$17000.00}, but the calls from XXXX of XXXX did stop at my request. Since then, I have called Toyota Financial and have been told that documentation for my payoff were sent to me, XXXX at the wrong address ) but were returned to them. They said it is against their policy to send them again, even though they have my correct address. It is the same address I have been using to pay them every month. 
I NEED the documentation that the car was paid off in order to change the title from XXXX of XXXX being the owner of the car. 
The last time I called, I talked to someone on XX/XX/XXXX, and told her to please send me the documentation that my car was paid off, the DMV was notified, and that all fees were paid in order for me to own the car. She did not speak enough English and the telephone connection was very bad, so she hung up before giving me any indication that the documentation would be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
My complaint is against Synchrony Bank and the way the Credit Reporting Bureaus Report on my credit report after I paid a debt in full. I had a Synchrony Bankcard for XXXX XXXX. However due to a couple of job losses the creditor Charged Off on XX/XX/XXXX. I lost my job and a substantial income in XX/XX/XXXX - could not find a job until XX/XX/XXXX making way less but still had the intent to begin paying for that debt as soon as I was able. At the time I was struggling to pay a {$1000.00}. mortgage payment while existing off of {$1100.00} per month in unemployment benefits until I was able to secure employment. In XXXX a lien on my home was placed for the amount owed to Synchrony Bank for {$1200.00}. In order to pay off what I owed I had to take out a personal loan for the full amount. I paid the entire amount owed on this debt vs. settling on a lower amount. My problem is that I was told that Synchrony would remove this completely from my Credit Report - especially since I paid it in full. There was No Monies Charged Off or not collected owed on the original debt. I believe XXXX had removed the negative information ; however XXXX XXXX and XXXX continue to report negative information. Regardless that it says I dont owe anything its still being reported as In Collections/Charge Off and Payment Made After Charge Off which makes a potential creditor think Synchrony wrote off bad debt when they didnt. I paid the full amount which is why they need to remove this negative mark on my credit. Also if you look at my credit no matter how I pay on time each month my credit score remains low which gives creditors the right to charge higher interest rates. This is unfair and gouging - setting a consumer up for failure. Extending credit is the chance to pay off over time why must the consumer be gouged by higher interest when they need to continue to maintain a good score. Someone needs to re consider how a consumer whose paying on time the best they can. To say if you paid more each month goes against the agreed minimum amount. At this time Im doing everything I can to rebuild my credit from XXXX after job losses, and its almost futile the way Creditors and the Reporting Bureaus treat consumers who have limited incomes but still make their payments on time after suffering hardships.

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 2018-08-16
Company: EQUIFAX, INC.
State: NC
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:
Contacted Equifax via certified mail and via telephone about unauthorized inquiries on my consumer report was told that they would not be removed because companies can authorize reports as needed. The companies in question I have not approved nor do I have business with. It is illegal and needs to be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: JPMORGAN CHASE & CO.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have settled this debt with Chase and they are still reporting it. I have requested them to remove it from my credit reporting and they are not working with me.

Company response to consumer: Closed with explanation