BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/19 XXXX XXXX charged two unauthorized debit card transaction ( {$370.00} & {$200.00} ) to my Regions debit card. On XX/XX/19, approximately XXXX XXXX   CST, I contacted Regions bank to advise that these transactions were not authorized and I was disputing them. I explained to the rep the reason I was disputing these transactions and she filed a dispute for the charges. I was told that it would take 7-10 business days for them to process it. I never received a letter in the mail so I contacted Regions again on XX/XX/19. I spoke with a female rep that advised me that my dispute/claim had been denied and I would receive a letter in the mail. I requested to speak with a supervisor. The supervisor stated that I would have to wait on the letter explaining what I should do to appeal the denial. I requested for a email address or a number to contact someone in the debit card dispute department and he provided me with an email address XXXX. To date, no one ever responded to that email that was emailed on XX/XX/19. On XX/XX/19 I went into a local branch and spoke with XXXX XXXX. I advised that I had not received a letter regarding my denial. She stated they normally do not send out letters. I advised her that I was told by the supervisor I spoke with on XX/XX/19 that I would receive one. She reviewed my dispute and stated that it appeared as if the rep filed it as fraud instead of a debit card transaction dispute. She submitted a ticket to have my claim reopened and she stated that it would take 5 more business days. I have now been told that they will not be able to credit back my account because I owe the company that took the funds from my account. I advised that XXXX XXXX did not have authorization and I have been going back and forth since this issue occurred. I do not have anything in writing as I have been speaking verbally with them each time that I have contacted them. The last rep I spoke with at XXXX was XXXX and I explained to her that XXXX took the payments without my authorization. I have withdrawn all authorizations to XXXX XXXX and the do not have permission to access my account.

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 2017-12-03
Company: DISCOVER BANK
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX/XXXX/XXXX I opened Discover Savings account number XXXX. At the time there was an offer for a {$200.00} bonus if the account was funded with {$20000.00}. The terms of the offer read : " Apply for your first Discover Online Savings Account by XXXX/XXXX/XXXX. Enter offer code XXXX when applying. Deposit a total of at least {$15000.00} into your account by XXXX/XXXX/XXXX to earn a {$150.00} Bonus or deposit a total of at least {$20000.00} into your account by XXXX/XXXX/XXXX to earn a {$200.00} Bonus. '' I was able to successfully open the account online using the offer code XXXX on XXXX/XXXX/XXXX. 

As of XXXX/XXXX/XXXX I still have not received the {$200.00} bonus despite meeting the requirements of the promotion - {$20000.00} was deposited into the account on XXXX/XXXX/XXXX. I have called Discover several times asking about the status of the bonus and have been given multiple excuses as to why it has not been credited. These excuses include : XXXX The bonus will post I just need to wait until the end of XXXX. 
* When I called after the end of XXXX I was told the bonus " might '' post by the end of XXXX. 
* I was n't specifically targeted by the marketing department so I wo n't be getting the bonus -the offer did not mention anything about being targeted and it was available on Discover 's own website. 
* I did n't use the offer code on the online application - I did enter the code as it was the only reason I opened the account in the first place. 

I expect Discover to credit the {$200.00} bonus as I have met all of the requirements of their promotion. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX, XXXX, XXXX and XXXX is reporting on my credit report a collection that claims I owe no debt to. I have no contract with this creditor and have no information about this said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2019 I mailed certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX to dispute and the two accounts that appear all three of my credit reports ; Experian, XXXX, and XXXX. I requested a copy of proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received a letter from them on XX/XX/19 stating that " XXXX XXXX XXXX is the original creditor and not obligated to provide the documentation requested ''. This is a violation of the ( FCPDA ). Please see below information along with my attachments. 

The partial account number is XXXX Reporting amount {$870.00} The partial account number is XXXX Reporting amount {$490.00} Social Security # 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 2018-02-01
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I took a loan with XXXX and defaulted. National Credit Adjusters ( NCA ) called me and told me that they could offer me a settlement that would not only clear the debt but they PROMISED they would remove it entirely from my credit reports and XXXX, their SISTER COMPANY, would also remove the marks. XXXX did not remove the collection from my credit report but they did file a loss with the government, for which I now owe taxes. 

I told the collection agency that I would eventually pay all my debt but needed to pay the debt that would improve my credit score first. They should not lie to people, who are already struggling. I've done some research and learned that XXXX sells much of their bad loans to National Credit Adjusters, so I am holding them responsible for the false promises made by NCA. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I ordered a product on home shopping network from TV advertisement. I called them. They had the wrong address because I had moved. I gave them correct address and I recieved the product. However, this company uses a vendor for billing purposes. So the woman taking my phone order neglected to update my billing address with the billing company and so I never recieved a bill and consequently recieved a 90 day late pymt on my credit report. That wasn't fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had returned a phone to this company in exchange for a different phone. They never credited {$500.00} for the phone I returned to their store. I disputed this with them several times to no response. This was the reason I decided to not use the phone service,

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 2018-03-25
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo 's opening an account without my authorization

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 2018-03-24
Company: Knight Adjustment Bureau
State: VA
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:
Knights Adjustment Bureau ( KAB ) - I contacted Knights adjustment Bureau on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. KAB proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as KAB continued to provide incorrect information. As it stands today XXXX shows an amount due of {$1000.00} and XXXX   shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Evergreen Moneysource Mortgage Company
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We were in the process of getting a house XXXX XXXX XXXX XXXX XXXX ID XXXX. We were a week away closing on what was suppose to be our house end of XX/XX/2021. XXXX XXXX at Evergreen home loan then called me to inform me that they made an error and put more income than they should which they knew that it should just be my husbands VA XXXX and not the GI money. He then asked me to get a cosigner which my parents tried and it didn't work out. This caused my husband I many issues. We lost money on a house we couldn't get because of him. I have tried emailing and texting and no response since my husband attempted suicide because how depressed I got from loosing a home and we sent our boys to my moms to pack for a month. We want our money for the inspection and escrow that we had to fight for which he did not care to help. Evergreen home loan Address : XXXX XXXX XXXX XXXX, XXXX, ID XXXX Phone : ( XXXX ) XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: MD
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Contacted representatives of the company via telephone and emails several times in XXXX and XXXX XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX XXXX on my credit card accounts. Received a letter from Amex indicating that XXXX XXXX is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Experian Information Solutions Inc.
State: NY
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 was born in New York, moved to my parents country of origin where i lived the majority of my life. i came back to New York on XX/XX/XXXX to finish my studies and continue my dream of becoming an engineer. soon after my arrival i noticed i was not able to get any credit or even find my credit score. after more digging i found that someone had used my social security number to open an account that was left unpaid. now i am stuck with a bill that is not mine. i was in school in another continent and could not have opened a utility bill, which is in my name. i would like to be able to access my credit information because i want to investigate if there are any other accounts that were open without my knowledge. whenever i try to access my credit i get a message that states that my information can not be verified.

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 2019-04-02
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My husband, XXXX XXXX, got an unsolicited phone call, from Carter Young Debt Collectors on his cell phone-XXXX, for an unknown debt I owe. 

His cell phone is part of the donotcall.gov national registry and this phone call that left no message, until he called them back, because of the unusual and close to the home origin of the phone number that called, to hear them only say that it was a business matter that concerned me and not him. He told the operator for Carter Young of Georgia, that I was not available due to my work schedule, and they responded by saying for me to call them back, but not specifying for debt  collection, which is the primary function of their business dealings. 

This possibly is a violation of T.C.P.A. rules, and do not call registry rules Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Stearns Ventures, LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Our home went into foreclosure so we sold it and paid off the remaining balance and were issued a {$1200.00} check from what was left over in our escrow account. We deposited the check and 2 weeks later the lender issued a stop payment. We called and were told it was due to us and they would issue a new check. We never received the 2nd check. We called again and were told they would look into it and call us back, no one called. We call again and are told the check would be cut and we would receive it in a week, still no check and no call as to why. We paid our loan off in XX/XX/XXXX and it is now XX/XX/XXXX and still no check.

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 2021-07-06
Company: Experian Information Solutions Inc.
State: NH
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:
Upon checking my report i noticed some issues with reporting as payment history across all three bureaus did not match up across all three bureaus as well as I was a victim to XXXX pandemic and the amended american act which allows consumer an accommodation period to not be negatively affected for late payments on loans. 
ultimately i did complete paying off the loan later on but late payments have hurt my score. 


( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

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 2021-07-06
Company: EQUIFAX, INC.
State: NH
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:
Upon checking my report i noticed some issues with reporting as payment history across all three bureaus did not match up across all three bureaus as well as I was a victim to XXXX pandemic and the amended american act which allows consumer an accommodation period to not be negatively affected for late payments on loans. 
ultimately i did complete paying off the loan later on but late payments have hurt my score. 


( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2019 I ran into a financial bind due to a XXXX health issue with my daughter. I called my Mortgage company Wells Fargo to see if there was an option to Skip a Payment. I was told to call the loan Preservation Department. The loan Preservation people told me there was nothing that they could do until I was 60 days delinquent but at that time they would be able to assist me. Due to the need for the money, I skipped my payment and at the 60 day mark I called the Wells Fargo PReservation Department back. I was provided with an application and told that I qualified for the program and that I would be receiving paperwork describing the plan. 
The Plan I received consists of reducing my payment by {$100.00} per month and adding 10 years to my mortgage at a cost of {$220000.00} for the {$3300.00} I owed Wells Fargo. They will not budge and allow me to pay this fee, the loan modification is the only plan they are accepting. I XXXX  Wells Fargo Mortgage Fraud and found that I am not alone here, Wells Fargo has this program and has/is being sued for $ XXXX in US Court, I need help, I want to pay the {$3300.00} owed, they won't accept any other terms and are threatening to take my home. Note that the letter provided by Wells Fargo states that all I need to do to be accepted by the Preservation Program is to pay three consecutive payments. Nowhere in the letter does it states that there is a 10-year extension to my mortgage

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 2018-03-24
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The actions are from XXXX XXXX XXXX, representing New Century Financial Services. 
XXXX XXXX XXXX sent a summons in XX/XX/XXXX to an address to which I had a furnished room in XX/XX/XXXX. I moved out of this furnished room approximately in early XX/XX/XXXX. I had no knowledge of this summons. The certified letter returned to court unclaimed XX/XX/XXXX. XXXX XXXX  XXXX used regular mail as well. In XX/XX/XXXX, XXXX XXXX XXXX obtained a default judgment for the amount of XXXX - XXXX added interest and fees. They claim their client owns a debt from XXXX in my name. 
Sometime between, approximately, XX/XX/XXXX I received a letter from XXXX XXXX  XXXX demanding I answer a questionnaire about my assets, bank accounts, and etc. at my current address. I was surprised, and I did not answer because I regarded their actions hostile, invasive, and questionable. 
On XX/XX/XXXX I was notified I had received a letter from XXXX , XXXX , XXXX XXXX XXXX , XXXX . The letter is dated XX/XX/XXXX informing me of a notification of an application for wage execution to be served upon my current employer.

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