BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-30
Company: BANK OF THE WEST
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had opened a PREMIER CHECKING account with Bank of the West under the " 2017 Summer Digital Checking Offer II ''  promotion. The promotion entailed a {$300.00} bonus credit upon keeping an average {$25000.00} balance in the account for 2 months. I had called the customer service line a couple times throughout the months to make sure I am still on track for receiving the bonus, and was assured that I am still on track. However, after 3 months of keeping the {$25000.00} balance, I still didn't receive anything, and was told that I somehow did not qualify for the bonus despite having kept the balance. Now, I have been hit with {$80.00} in fees as well, and the Sr.  Relationship Banker at my local branch is refusing to refund the fees or look further into the issue, stating that the account was opened online so there is nothing he can do.

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 2018-03-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We have had an auto loan with Citizens One since XX/XX/XXXX We have paid every month since that date, with the latest payment XX/XX/XXXX. Customer service states that our account is current. We had to file for bankruptcy due to medical bills and the date of our discharge is XX/XX/XXXX. We signed a reaffirmation agreement with Citizens on XX/XX/XXXX. However on our credit report, Citizens shows our account as closed and that our payments stopped in XX/XX/XXXX, which is completely inaccurate and needs to be corrected. I have called their bankruptcy department XX/XX/XXXXand spoke to XXXX  who said he needed the order of discharge faxed. We did that, still no change to our report. I called and spoke to XXXX on XX/XX/XXXX and he lied and said that our bankruptcy was not even closed, so they can't change the record. They are not interested in accurately reporting any of our payments, but they certainly do not have a problem with taking the money each month. We have a signed reaffirmation agreement and have never missed a payment and our credit report should show these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Texas Guaranteed
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
A woman called on XX/XX/2018 at XXXX and refused to identify herself other than to say her name was XXXX. Asked her at least 5 times to identify the company or what the call was about because she wanted me to confirm my name and year of birth before she would say who she worked for. Finally identified the company as Trellis Company, who I do have a payment plan with. I pointed out to her that it was XXXX in my time zone, which didn't seem to phase her at all. She was calling about a {$5.00} debt that was less than 30-days old. All she had to do was say this is XXXX from XXXX and I would have recognized the call as legitimate and answered all her questions, even though it was too early in the morning for her to be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I noticed my chase sapphire preferred card was getting declined. My balance was {$0.00}, I had no idea what was going on. After, I called Chase to see what was happening. They said that my sapphire and freedom unlimited were being periodically eviewed. I had a credit limit of {$27000.00} on the freedom unlimited, where I had a {$7300.00} balance. I HAD A 0 % APR OFFER FOR 12 MONTHS. That is the only reason I had a balance. 

I called Chase again last night and they said they closed all 3 of my accounts. I had a regular freedom card as well. I pay that off monthly like the sapphire. 

Back in XX/XX/XXXX I had two {$500.00} freedoms which I maxed out and never paid. In XX/XX/XXXX, Chase approved me for {$1000.00} on my new freedom. I have had 0 issues since then. Fast forward to XX/XX/XXXX, I applied for a sapphire and a freedom unlimited. I was approved for a combined {$36000.00}. I have had AGAIN 0 ISSUES. I made some financial mistakes when I was XXXX. The CFPB didn't even exist then. Now, all of a sudden, Chase decides to close all of my cards? I have NEVER manufacture spent or churned cards for signup bonuses. This is beyond absurd. 

I have XXXX points on my sapphire card as well by the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: MRS BPO, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Noticed on my consumer profile that this closed account was on my file, i have no clue as to this company and did not authorize this account.

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 2018-03-30
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Paid off my Chase XXXX card in full by the due date. Balance paid was {$2300.00} on XX/XX/XXXX with a personal check at the local branch in person, XXXX statement confirmed payment date. The due date was XX/XX/XXXX. The following month was billed for interest of {$17.00}. I have paid my balance in full hundreds of times on various cards over the years and have never had an additional interest charge on the following months statement. I contacted Chase XXXX after discussing the issue with our local Chase bank branch manager and was told that the interest was due. In my opinion, they are literally committing fraud on potentially millions of accounts. Would appreciate a refund in full, a letter of apology for the fraud they have committed against me, and XXXX to be financially penalized for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 began disputing these items with the Credit Bureaus, and more specifically Trans Union on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

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 2021-04-26
Company: EQUIFAX, INC.
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 disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Transunion and XXXX/XXXX  with no successful resolution. Transunion  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

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 2018-05-11
Company: EQUIFAX, INC.
State: VA
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:
I contacted XXXX XXXX via their online form and requested to opt out due to having my personal information stolen after a home invasion. I provided the information of the police department, detective and case information. I explained that I was in fear of my safety as I was a victim of this crime and feel my safety is at risk. 

I received an email back stating that the information provided did not meet their requirements to have my information concealed. I than see that they are reporting on my credit report the address of my home that was not previously listed as it was not reaffirmed and Equifax states the information is from XXXX XXXX credit reporting agency. 

The public records is causing me fear for my safety and physical health and the information they are reporting to the creditors is not accurate and causing me to have problems with my credit history. 

I appreciate the assistance with having the issues with Lexis Nexis resolved. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: NATIONAL ASSET MORTGAGE, LLC
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I was served with a summons to respond to a complaint for forfeiture from XXXX XXXX XXXX XXXX ( Case number XXXX ). XXXX claims that I owe over {$15000.00} for entering into a land contract that has become delinquent due to non payment. 

I have never had any communication with this company. They included a paper trail of quit claim deeds that show how they came to hold the debt, but none of the companies save the first lender has ever made contact with me. I was not notified of the debt being purchased by XXXX XXXX XXXX XXXX, so I had no chance to remedy any default until this notice calling for forfeiture. 

In XX/XX/XXXX, I entered into a contract with National Asset Mortgage LLC. I was notified in XX/XX/XXXX that the loan would be serviced by a different company, XXXX XXXX XXXX. I would continue to pay the same amount monthly, but I needed to send the payments to the new address. I continued to pay XXXX XXXX XXXX about {$370.00} per month to satisfy the conditions of the contract. 

After being served with the summons, I contacted XXXX XXXX XXXX to ask where my payments were going because every check I had sent had been cashed. I was not given any assistance beyond the fact that my debt had indeed been sold to a different company and I would need to contact XXXX to discuss the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm disputing these 4 unauthorized inquiries inwhich I did not authorize nor do I have any acknowledge of please remove these from my report in order to promote fairness. The inquires are, ( 1 ) XXXX ( XX/XX/XXXX ) ( 2 ) XXXX XXXX ( XX/XX/XXXX ) ( 3 ) XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX ( XX/XX/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 2019-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I visited a bank officer at the branch in XXXX, New Jersey and the bank manager at the branch in XXXX, New Jersey of Bank of America to ask them to remove the 2 stop payment fees of {$30.00} each on each check of {$54.00}! 
I told them these fees were exhorbitant because each check was for {$54.00}! 
The fees have not been removed!

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 2019-03-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have been the victim of identity theft and somehow someone has got a vehicle in my name. The account is : 1. XXXX XXXX # XXXX I first notices it few months ago that I had a vehicle and a recent 30 day late payment. 

This account was not opened by me and I have included my ftc id theft 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 non-monetary relief
Consumer complaint received 2019-03-09
Company: Collection Bureau of Fort Walton Beach, Inc
State: TX
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 don't know anything about this debt, I've never heard of the original creditor XXXX XXXX I've tried to dispute the item on my credit report and I haven't heard anything back from XXXX XXXX nor Collection Bureau of FWB.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( 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 non-monetary relief
Consumer complaint received 2017-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2017, I attempted to gain verification and validation of the debt via Equifax credit reporting bureau. To date, all I 've received was a bill from the original creditor. I do not have a contract with XXXX XXXX nor do I owe them any funds. However, XXXX XXXX is reporting negatively on my credit file. Ref acct. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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 belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There was a computer glitch that was TransUnions problem- not mine- caused my inquires to be deleted. Transunion later on added them all back to my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have called numerous times ( 5 times a week ) since XXXX XXXX 2017 to get the hard inquires off my credit that were added back on. These inquires add a hardship and my right were violated by Transunion. Please help stop Transunion victimizing 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 2020-12-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, my wife and I visited a beach restaurant on the island XXXX in XXXX and we had a small lunch. Beach restaurants on XXXX  often require their guests to hand over their credit card when entering to reduce the risk of patrons absconding without paying. After our small lunch ( six oysters and two glasses of prosecco ), before we even received the bill, the waiter handed back my credit card and a credit card slip that showed a charge of XXXX Euros  equating to a charge of US {$1100.00}. This was possible because the restaurant used the contactless payment feature of the credit card which requires no PIN or signature. I obviously protested immediately and demanded reversal of this outrageous overcharge. They completely ignored me, and pretty much laughed in my face. So I immediately called my bank, HSBC USA, from XXXX. My bank advised me to dispute the charge when returning home, which I did a week later upon return to California. 
However, my bank, HSBC USA, treated this as a billing dispute and asked me to show them the restaurant bill. I explained to them several times that I never received a bill from the restaurant and that the charge should be considered fraudulent and that I never authorized this transaction. My dispute was simply declined because I can't produce the bill. 
I find it unacceptable that HSBC Bank USA allows contactless payment without any form of authorization for amounts as high as {$1100.00} where the merchant can grossly overcharge the customer and there is no recourse. Especially since I immediately reported this fraud by phone after it happened, on XX/XX/XXXX. 
This bad-actor merchant in XXXX seems to have figured out that they can fleece their tourist customers and that the bank will not take any action or responsibility for the risks this contactless payment exposes their customers to. 
In short : an unauthorized credit card charge, with no authorizing PIN or signature, for an amount as high as {$110000.00} that is immediately reported as fraudulent and disputed according to the bank 's processes, should be reversed and not charged to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Collection Agency - XXXX XXXX XXXX XXXX Original Creditor - XXXX XXXX Hospital Date : XX/XX/2013 Amount : {$720.00} In XX/XX/2013 this medical bill was included in bankruptcy I have sent paperwork to the Original creditor with no response over the years. 

" The Credit Bureau failed to provide me with a proper investigation. Under section 611 ( 5 ) ( A ) of the FCRA - you are required to '' Promptly Delete all information which can not be verified.

Company response to consumer: Closed with explanation