BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
Company: U.S. BANCORP
State: MO
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 XXXX i received a flyer to my address from XXXX with the advertisement of XXXX $ bonus offer for opening a checking account after completing XXXX $ recurring direct deposits with in 60 days of the account opening. 
The flyer did not mention what qualifies as direct deposit anywhere, and US bank has failed to send me the proof that they did communicate to me the specifics of what qualifies as direct deposits when i called them about the bonus at the time of account opening. 

I opened my Us bank checking account around XXXX/XXXX/XXXX and I completed XXXX $ recurring direct deposits requirements on the following dates. On XXXX/XXXX/XXXX for the amount of XXXX XXXX and on XXXX/XXXX/XXXX for the amount of XXXX $ and on XXXX/XXXX/XXXX for the amount of XXXX $ and I emailed Us bank asking about about the bonus. 
Someone named XXXX from us bank customer service confirmed that the bonus code was attached to my account and asked me send a copy of the flyer, which i scanned and uploaded. After few days i again emailed her asking for the update, this time she said that she received the copy of the flyer targetted to my address but my account needs to be reviewed by a senior banker for the bonus. 

A week after my initial email they got back to me saying they can not give me bonus because i have not made 'qualifying direct deposits '. 

I did what XXXX advertised nothing less. If they did not specify on the flyer what qualifies for them as direct deposit then its indeed false advertising and fraud. 

I bank with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX they consider my direct deposits as qualifying therefore i was confident my direct deposits qualify here as well but Us bank not only 'omitted ' specifying what qualifies as direct deposit on their flyer, they also are refusing to furnish proof that they communicated this to me at the time of account opening. 
I feel therefore i am eligible for the bonus that was advertised on the flyer that was targetted to my address and I humbly request CFPB to act on my behalf in helping me obtain the Bonus from US BANK for completing the requirements as specified on the flyer that i i received from US BANK. I have attached with this complaint the following pdf documents.
1. Copy of the flyer front and back with the terms and details.
2. My us bank direct deposits transaction history showing my 3 direct deposits above XXXX {$3.00} my correspondence with XXXX from us  bank customer service department. 

Please do the needful Thank you 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 monetary relief
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently filed a complaint about XXXX XXXX XXXX XXXX. This collection agency reported an account on my credit file with the original lender being " XXXX XXXX XXXX XXXX '' from 2018. I have FINALLY tracked down the original lender XXXX, who tells me that the first time I called XXXX XXXX XXXX XXXX, they should have taken my insurance information for billing. I had medicaid and VA XXXX at the time of service XX/XX/2018. I just spoke to someone at XXXX XXXX XXXX XXXX who refuses to taken any insurance information. This is unacceptable. This account needs to be removed from my credit file IMMEDIATELY!!

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 2022-02-14
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: Old information reappears or never goes away

Complaint:
I have had many problems with XXXX and TransUnion in getting my credit report to reflect the accurately reported accounts. The accounts listed below have been problematic since I began disputing back in XX/XX/2020 TRANSUNION - XXXX XXXX XXXX - XXXX - PAID TRANSUNION - XXXXXXXX XXXX  XXXX - COLLECTION/CHARGEOFF - DISMISSED TRANSUNION - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX XXXX XXXX - COLLECTION/CHARGEOFF - PAID XXXX - XXXX XXXX XXXX - COLLECTION/CHARGEOFF - DISMISSED XXXX - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED!

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 2022-02-14
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 without 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On my XXXX Credit Report, XXXX Credit Report and My Transunion credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my XXXX XXXX to be lower than they should actually be. Hendering me from obtaining credit.

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 2017-12-30
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Last year, in XXXX XXXX, I received a phone call that I had not paid my Discover student loans in 3 months and they were raising my interest rate. I received no calls prior, no emails announcing that my auto-payment had stopped. I paid the amount and my interest rate increased. 

Today, XXXX/XXXX/XXXX, I checked my credit score only to find that my student loans were again three months past due, amounting to over {$1000.00}. I was completely unaware that my auto-payments had stopped again ( for the second time ), no phone call, no letter. When I looked at my file, the last letter that was sent, was in XXXX and did not state anything about the auto-payments being stopped. 

As of today, I am {$1400.00} in debt ( 4 months past due ) and I had no idea that my payments were not coming out of my account. Almost all of my bills are on auto-payment, so I do not think twice. 

This has hurt my credit and caused me immense stress and frustration, because I have always wanted to pay my student loans on time. Why is this so hard? Additionally on the XXXX XXXX XXXX website, everytime I try to log in, it has me create a new password. Every single time, this glitch makes it incredibly difficult to casually log on to check account information, causing further frustration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 submitted a complaint with XXXX. The basis for the complaint was that Bank of America fraudulently closed my account ( as " approved in error '' ) right before I met the promotional bonus and then asserted that because the account was closed I lose the promotional bonus and the rewards earned from the already completed spending. Bank of America earned money from my spending over 90 % of the promotional bonus requirements - I estimate conservatively that Bank of America received {$55.00} at a conservative 2 % credit card processing fee on the {$2700.00} I spent. I requested {$910.00}, the cash value ( based on Bank of America 's valuation ) of the promotion fraudulently withheld. Bank of America agreed with the facts as I presented them in my complaint. But Bank of America 's response did not address this fraudulent closing of my card. Instead they asserted that because the account was closed, points could not be redeemed. The card agreement, and state and federal law, do not allow Bank of America to close an approved card as " approved in error '', that has spent 90 % of the promotion requirements that they have benefited from. Moreover, Bank of America was unjustly enriched.

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 2017-07-10
Company: Sierra Holdings LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX I went to a car dealership for an auto loan, I asked specifically if they would shop it around and was told probably depending on if that lot could secure the loan. I said I did not want it shopped around because my credit score was already low and I had been taking small steps in fixing it myself. needless to say I start getting denial letters afterwards. I called and was told these inquires would n't affect my score but of course found out they did. I also went to a car lot around XXXX XXXX of 2017 as well and the same issue as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Stilt Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have applied with the company and was denied due to incorrect informAtion on my XXXX  credit report. That information has been fixed but now the company is still using the old denial of incorrectinformation for denial and will not look at correct report and this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was faithfully paying my Wells Fargo bill since XXXX, when I unexpectedly had a major XXXX XXXX I was off work for 3 months for XXXX XXXX in XXXX. When I returned to work my hours were reduced. Wells Fargo made a agreement through phone conversation to pay certain amount and interest was lowered. The amount that was agreed was XX/XX/XXXX/mo. I was paying Faithfully that amount until out of nowhere they were calling me and saying I owed more money. I was confused because I never received notice of bill went up. Thereafter I was getting phone calls saying I owed more money. I contacted them by phone and they said the year was up with me paying that amount. I was never told a time limited on the agreed amount. I said what 's the point of all this time I was paying you and now your going to raise the interest and the amount I paid before is now going to go up again. What was the point of me paying all that time then. I told them they never gave me official notice of this change at all. I was upset and in tears because I asked them to work with me and they refused. Six months went by of them harassing me then I received a letter from their attorney stating to contact them to settle with them.. I did contact them and offered an amount {$2000.00} but they wanted the whole amount which I did not have and then they said I owed {$900.00} in legal fees. Which I was upset and in tears again an hung up. One month later I was served with this law suit in the amount of XXXX plus XXXX in their legal fees. Lastly, I just want to add my other debts have been and still are working with me. I feel I am being bullied and treated unfairly since I have been faithful to this company since 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 2022-10-04
Company: LOAN TO LEARN
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I was informed by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Texas that I was being served with a Writ of Execution for Cause No. XXXX Educap Inc, vs. XXXX XXXX. I informed the deputy that I never applied for any private student loan. I received my XXXX XXXX from XXXX XXXX in XXXX of XXXX. I then went back to school XXXX  with XXXX University from XX/XX/XXXX- XX/XX/XXXX for my XXXX XXXX. I received Financial Aid Pell grants and Subsidized and Unsubsidized loans for my education and I have never applied for private loan with Educap , Inc. This loan was done without my authorization and I DO NOT owe this debt. I am respectfully requesting assistance with this matter as clearly it is a case of Identity Theft. I have attached my Pell Grant and XXXX  Student Loan information proving my financial assistance with FASFA not through private loans. The attorneys on file for this court matter that were hired by EDUCAP are the following : XXXX XXXX, XXXX. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, 20 days from writing this, my account was locked. When I try to login the app gives me the following message “Your account has been locked, please visit coinbase.com to resolve.” So I contact support and they are prompt to initially respond but then they completely forget about me for 3 weeks. I deposited $XXXX USD into my account at the beginning of the month. I would like a refund. This long of a wait time on such a small issue is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to divorce, I fell behind on my mortgage payments. I was given a reinstatement quote and deadline. I paid the quote before the deadline and informed the trustee attorney via email and telephone with evidence of confirmed payment on time. I was ignored. I then kept paying the mortgage monthly but they kept sending back the payments and kept giving new reinstatement quotes with {$5000.00} to {$8000.00} dollar fees every month. I continue to pay the mortgage and communicate with Ditech and they only send me more fees. Although they acknowledge the $ 18,000+ in my account unapplied to the mortgage, the foreclosure date comes closer and my XXXX children and I need a home. I only want to pay what I owe and have a place for my children.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP
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 work in XXXX for the XXXX, I'm a XXXX vet. Bank of America BoA has charged me late fees and has sent negative information to credit rating companies, 30 day delinquency on only late fees due to BoA issue in XX/XX/XXXX. I have requested correction and have been declined. The irony is the late fees that was past due was because BoA sent my XXXX payment to principle only. The 30 day pass due on my credit report is from late fees that I had waved. I have been working with BoA ( one of many ref # XXXX ) calling from XXXX a few times a month correcting numerous issues since XX/XX/XXXX ( new XXXX insurance, BoA was caught in a lie on the phone ). BoA has declined to correct, I used XXXX case # XXXX same BoA declined. BoA will not admit problem with computer system. Bottom line XX/XX/XXXX my mortgage went to only principal, my payment for XXXX posted for XXXX XX/XX/XXXX when my payment was received on the XXXX for XX/XX/XXXX it only went to principal. I pay every month on the XXXX for that past 15 years no issues. BoA won't tell me what happened written or verbal. They have told me every month when I call there is a problem. I had most late fee waved, I paid a few to correct and stop reporting pass due paymenst but every month the same thing. I have a stack of documents and notes I can send to help if needed.

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 2019-10-24
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Late at night on XX/XX/XXXX in XXXX Maryland I lost my debit cards. TD Bank and XXXX  XXXX. Once I got back to my college, probably 2 hours after losing my cards, I checked my wallet and saw they were  missing. I immediately froze my XXXX  XXXX card and checked and saw no fraudulent purchases or withdrawals. I then checked my TD account and saw XXXX dollars in withdrawals. The person withdrew my limit of XXXX on XXXX and then waited until after midnight to withdraw more money from the account. There are also several balance inquiries. I was charged a non-TD atm fee for all of this. I immediately called TD to freeze the card and wanted to dispute the transactions. I was told to wait until the transactions posted. That tuesday XXXX the withdrawals went through on my account and I immediately called to file the dispute. On Friday XX/XX/18 I called my bank as I received no notice and they told me the dispute was denied. They claimed there were no incorrect PIN enters and that was their reasoning. I have now filed a police report and will go down to the TD branch in XXXX to refile the dispute with the report attached. I told them I should be responsible for only XXXX dollars but they keep claiming it is on me and has cited ignorance as reasoning as well as going back to the PIN code, even though I believe it may have been obtained through shoulder surfing, as I did make an ATM withdrawal with my XXXX XXXX card and that has the same PIN as my TD card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL MY REQUIRED ITEMS TO XXXX XXXX AND TO DISCOVER, THE CHARGES ON THIS PERSONAL LOAN IS FRAUDULENT. I HAVE NEVER REQUESTED A LOAN OF ANY KIND FROM XXXX. SOMONE STOLE MY INFORMATION AND OPENED A LOAN ACCOUNT WITH XXXX. I HAVE SUBMITTED ALL REQUIRED ITEMS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation