BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: DISCOVER BANK
State: RI
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX, my mother used my Discover card ( Account # XXXX ) for an auto mechanic purchase of {$800.00} without my knowledge. When I received my statement and asked my mother about this, she told me she did n't have the money at the time and needed to use my card and would pay me back. 4 months later, she was diagnosed with XXXX XXXX XXXX XXXX and became bed ridden and retired from work and was never able to repay me and passed away in XX/XX/XXXX. Due to my emotional stress and personal nature I neglected to report this claim and as the interest accrued over an illegal purchase discover eventually contracted to relieve me of my debt but their law office ( XXXX XXXX XXXX, XXXX. ) continued to attempt debt collection breaching the new contract Discover Card had made with me and is now attempting to garnish wages based off this false claim of debt. Discover card claims that this is a breach of their Cardmember Agreement of which I do not have a copy of nor do I have any proof of signature that I signed this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
XXXX  XXXX XXXX has 2 Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: U.S. BANCORP
State: TX
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 purchased U.S Banks ' three MasterCard {$50.00} Gift Cards ( with a {$4.00} activation fee each ) on XXXX, XXXX. The front of the packaging states {$50.00} Gift Card and " Valid Thru XX/XX/XXXX '' It also states the Gift Card has " no value until paid for and activated at register ''. 

In XXXX, I did not give the gift cards to the designated individuals, and put the gift cards in a folder, and promptly forgot about the folder. In XXXX, XXXX, I found the folder with the 3 MasterCard {$50.00} Gift Cards ( with packaging still intact ). 

From my perspective, the card was active upon purchase " i.e. activated at register ''. 
Secondly, if inactivity fees were to be applied, then the information should be disclosed on the front of the packaging ( with additional details on back of the packaging. 

I did not check the back of the packaging because the front of the packaging noted the {$50.00} Gift Card was Valid Thru XX/XX/XXXX. 

In summary, the front of the packaging does not disclose the required additional step to register the card at the website to be active nor does it disclose inactivity fees will be assessed ; eliminating the value of the {$50.00} in 3 years. 

On XX/XX/XXXX ; I called U.S. Bank at XXXX to resolve my complaint on how the MasterCard {$50.00} Gift Cards inactivity fees were assessed. The first call was an offer of {$8.00} ( for the {$150.00} value ). I requested escalation, which turned out to be the supervisor. The supervisor informed me they were adhering to the process. I requested address information to register my complaint with the federal agency overseeing U.S. Bank compliance. The supervisor put me on hold and the call was dropped after 15 minutes. I initiate a 2nd call to resolve the issue, and XXXX had me go through all the issues again, and I requested the escalation ( supervisor ). The supervisor offer no relief on the issue, refused to consider additional compensation, and would not provide any additional insight to which federal agency had oversight authority.

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 2020-11-17
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: Account information incorrect

Complaint:
I have written the Bureaus asking them several times how they came to determine these accounts were correct. All of them continue to stall and never explains how they verify the accounts on my credit report. I have ask them because the accounts shows errors and different dates, still not details on how the accounts are correct.

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 2021-01-28
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bought house last year. Received tax Bill XX/XX/XXXX and sent it to mortgage company. Mortgage company did not pay the Bill that was due XX/XX/XXXX. There were 2 bills and they did pay one. Called mortgage company, assured the other would be paid. In XXXX, even though it was due in XXXX. called and spoke with an escalation specialist. Her name was XXXX, employee number XXXX. Called mortgage company several times. Checked with city today. Still not paid, although mortgage company says they sent it XXXX XXXX. In the meantime, the county sent a letter saying if not paid by XX/XX/XXXX, a lien will be placed on my property. Called mortgage company again. Spoke with another escalation specialist named XXXX # XXXX. She said money was sent to another department in their company and then sent by USPS. She could not give me a date or any tracking information. 
Company : Amerihome Mortgage, XXXX XXXX XXXX, XXXX NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: ERC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notice a few weeks ago about ERC being placed on my credit file. I waited to see if i would receive anything in the mail pertaining to this debt. To this date I have not received anything, I have no clue what this is or what they are trying to collect for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: U.S. BANCORP
State: MI
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:
My husband and I have been calling since XXXX to get me removed as an authorized user and for US Bank. Each time we've called to get the authorized user removed, they have said that they have taken the steps to remove me so that it can begin to report as me not being an authorized user. After 2-3 weeks or so, we would call back and they would say that the previous representative was not doing it correctly and did not properly solve the problem. I am trying to get this information properly updated so that my credit report will be accurate. I have attached a screenshot of what is reflected and the last time that they reported accurate information to the credit bureaus.

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 2019-11-13
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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 talked with a supervisor of Victoria Secret commenityy bank and they assured me they were going to fix this they never did. This is back from end of XXXX it started with the XXXX that was not supposed to be charged the supervisor said she would take it off and I assumed she did on the next month they added late charges and fees they took those off and again did not remove the XXXX and they still didnt remove it I have called and written over 20 times and no one has still fixed this now it is saying I owe XXXX and I paid XXXX in XXXX and she said she will take off the XXXX and any charges as this needs to be corrected I need help card ending XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 had an issue with XXXX XXXX wrongfully reporting that an account had been settled with them was listed as " Settled - Less Than Full Balance '' incorrectly causing my credit score to be lowered. TransUnion removed this notation from my credit report ; however, it seems that XXXX XXXX has returned it to my credit report. I am asking TransUnion to once again remove this notation from my credit report, and if possible stop XXXX XXXX from reporting on my credit, as the account in considered closed. My previous XXXX XXXX is XXXX for reference.

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 2021-10-07
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
XXXX XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct

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 2021-10-07
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
XXXX XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
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:
Noticed on my credit report I had a past due collections from XX/XX/2019 for {$1500.00}. I never received a letter/notice regarding anything being owed nor have I been contacted by debt collection or company I owe. Account disputes in XX/XX/2019, tried to contact company mid XX/XX/2019 without success.

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 2018-11-13
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I received a piece of mail from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. It stated that I have a debt of {$110.00} owed to " XXXX XXXX '' It says " Collection Notice : Your account was previously listed with another collection firm and re-assigned to this office for recovery. Please remit payment to this office by mail or visit our self-service XXXX. '' I am concerned. They have my full name and my address. I have never been signed up for XXXX XXXX. I do not have any debt to XXXX XXXX. I have never been associated with a XXXX XXXX account. I'm 100 % certain I would not have a bill or any debt outstanding to that company. This is a scam and they have offered little to no way to dispute this claim. Again, I am concerned and would like to resolve this as soon as possible. I'm not sure how to prove that I have never been associated with XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: 21ST MORTGAGE CORP.
State: AR
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:
21st mortgage is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. 
Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed XXXX  and XXXX are the ones that are missing correct reports this needs to be fixed asap. And reflect on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have contacted the merchant multiple times in attempt to have this fraudulent account removed. I have disputed the account with all credit reporting agencies as well as provided an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions 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:
I've contacted XXXX many times, regarding information currently being reported on my credit file I've informed that this information is in the result of identity theft I've sent them my credit report, my dispute letter, my FTC affidavit, my police report, I've also sent them a copy my other report so they can verify that the accounts I reported as fraud had already been verified and removed by the other credit bureaus and they are still refusing to remove the accounts! 

The accounts are 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX   4. XXXX XXXX THEY ARE REPORTING MY XXXX CARD WITH LATE PAYMENT WHICH IS NOT CORRECT ALSO I HAVE 51/ WHICH 48 ARE INQUIRES HAT ARE FRAUDULENT!

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 2020-11-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to get a copy of the statement or bill since XXXX of XXXX. I was working on my credit report and noticed in XX/XX/XXXX there was a bill for Wakefield & Associates. I disputed it right away. It kept coming back so I called in XXXX of XXXX. They told me they were a collections company for a medical bill from XXXX XXXX 's for my daughter back in XXXX and they believed I had reached the insurance statute of limitations. My daughter insured during that time through government-provided insurance and I advised that I needed a copy of the bill because I was homeless at the time. Wakefield said they could not send me a copy f anything verifying the debt and I would have to reach out to XXXX XXXX 's. I reached out to XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX and they are denying me a copy of the bill because they sent it to the debt collection in XXXX. I can get this filed through my daughter 's insurance and pay the remaining balance, but I can not if no one will give me a copy of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking and savings account with Chase at the very end of XX/XX/2020. For doing this, I was given an offer where I would receive {$600.00} if I deposited {$15000.00} in the savings account and received a direct deposit in the checking account within 90 days of account opening. My direct deposit was supposed to go into the account on XX/XX/2020 but Chase had already closed the checking account ( they say this is due to 60 days of no activity in the checking account ). They are telling me they can't re-open the checking account and I no longer qualify for the {$600.00} offer they advertised. Since Chase closed my account due to lack of activity, my paycheck from work is now delayed because it has no account to be deposited into. Furthermore, Chase is now refusing to give me the {$600.00} offer for opening these 2 accounts. Why would they close the checking account prior to the 90 days I had been allowed to receive my first direct deposit? I want the {$600.00} offer because I did everything according to the offer and I want reparations for them delaying my paycheck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: PNC Bank N.A.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in expirian I see the following accounts 1 - bank of america status closed charge-off {$3100.00} In XXXX 1- XXXX XXXX  on D .status closed charge-off {$1400.00} 2-XXXX XXXX XXXX status closed charge-off {$3100.00}

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 explanation
Consumer complaint received 2020-08-29
Company: PNC Bank N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My entire account and the funds are frozen and the debit card attached to account has been closed. I over the course of the night if XX/XX/2020 a deposit from Texas XXXX XXXX was received and successful in applying to account balance the. the action against the account was immediately taken based on the account receiving funds from Tennessee prior to this date. I provided the specific account services team with a copy of eligibility questions from each state, deposit correspondence from each state, my ID, and other correspondence on the date of freeze. I have been unable and told that this team only communicate by email. Issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
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 paid off my loan on XX/XX/XXXX with a cashier 's check. Ally confirmed receipt of the payment, and told me they mailed the lien release on the same day. I told them the dealership where I traded in my vehicle needed a lien release right away, so Ally told me they would FAX a lien release to the dealership on XX/XX/XXXX. On XX/XX/XXXX, I called them and informed them the FAX was not received. They said they would FAX it again that afternoon. On XX/XX/XXXX, I told them I had not received the mailed lien release. They told me I should receive the mailed lien release by XXXX. On XX/XX/XXXX, I received an email confirming that the lien release had been mailed, and I should expect to receive it within 7 days. 
On XX/XX/XXXX, I called them and let them know the FAX still had not been received by the dealership. The agent said she would send the request to another department and they would FAX the lien release in 1 to 2 days. On XX/XX/XXXX, the faxed lien release still had not arrived. I called Ally and they said the FAX request was currently being processed and the dealership should receive it by XXXX XXXX the same day. On XX/XX/XXXX, the XXXXAX still had not been received. I called Ally, and they told me they needed another 1 to 2 days to process yet another FAX request. I asked to speak to someone in the Consumer Relations Department.

So far, this was one request for a mailed lien release, and four requests for a faxed lien release. 
The Consumer Relations Department told me that either on the XXXX or XXXX, I would be able to obtain the lien release by logging in on their website. On the XXXX, I called Allys Consumer Relations Department again. They told me I needed to wait yet another 1 to 2 days before I could access the lien release. In the meantime, the mailed original still has not arrived. Every time I speak to them, they tell me they must send my request to another department, and it will take another XXXX to 2 days for the request to be processed. Over and over again, I have done this, to no avail. 
Here I am, three weeks after paying off my loan with a cashiers check, and I still do not have a lien release after repeated promises to provide one for 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