BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-21
Company: DISCOVER BANK
State: NJ
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:
Referring to DISCOVER card 's {$50.00} referral bonus. I was both referred by a friend over a month ago and I referred somebody else two weeks ago. By the terms of the promotion, I should have received {$100.00} total for both referrals. It has been a month since opening my credit card ( my first purchase was XX/XX/XXXX ), and I have not received anything to date. Discover customer service has not been able to help after contacting them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of a phishing scam via XXXX on XX/XX/XXXX. The person contacted me via direct messaging, called me, and pretended to be having a giveaway using a fake cloned business page and used social engineering to gain access to my XXXX XXXX account and used it to take {$1500.00} in total from my bank account which was linked without my consent. 

I sent a message to XXXX XXXX the day it occurred, but I did not get a response. On the day it occurred ( XX/XX/XXXX ), I also contacted my bank and filed a fraud claim. I spoke with the fraud department and the representative processed my claim for the three charges of {$500.00}. They granted me temporary credits for the three charges while the investigation was conducted. On XX/XX/XXXX, I received a decision stating I was found responsible for the transactions and they were reversing the three temporary credits for the three {$500.00} charges. I disagreed with the decision due to the charges not being authorized due to the incident being a scam. On that same day, I called my bank once again to appeal the decision reached by the fraud department. I got in contact with the fraud department just for them to tell me I should have disputed the charges originally since I have used XXXX XXXX for transactions in the past. 

Next, I was transferred to the dispute department, and they restored the three charges back to my account once again while they claimed they will investigate again. On today ( XX/XX/XXXX ), I got another decision from my banks dispute department stating the dispute requests were duplicated and the Fraud department, which told me on XX/XX/XXXX that I should have disputed the transactions, had already disputed the transactions and the three charges will once again be reversed on XX/XX/XXXX. I once again called my bank to appeal the decision, and the representative I spoke with did not help me much, and she just said it is unfortunate and she put a note on my account for the dispute department to reopen and appeal the final decision made. Now, I am back at square one with the same decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Idaho Housing And Finance Association
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage in serviced by HomeLoanServ Inc. I am having problems with my escrow account. My mortgage payments go up every year, but the customer service reps tell me something different every time I call. There is not case notes in the account that I have called several times to get the issue resolved. I am explaining the problem I am having over and over again, because there are not notes to go back to. My total mortgage amount stated out at {$680.00} now, it is now {$750.00} in three years. Last year, they said my escrow had a short fall of {$300.00}, I paid it and they guaranteed it went towards the escrow. They said I needed to pay an extra {$25.00} to cover the shortfall that I had already paid in full, ( I thought ). I paid the {$25.00} extra for 12 months. This year I have another shortfall and will pay another {$20.00} per month. I have never missed a payment or had a late payment. The accounting is off somewhere and I need to know what is happening to my account. I would like to retire in the next 4 years, but is afraid my mortgage payments will be over {$1000.00} a month at retirement with this company. Please help! Thanks so much

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Mirand Response Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated telephone calls regarding a debt that is several years old, I included all of my debts in a Bankruptcy during 2016. I have no idea why these Reps are calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: GA
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 received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have contacted the FTC and my police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. XXXX 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 2020-02-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FTC violations Equifax breach In XX/XX/XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made.

If you are a class member, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

https : XXXX  they remove it and put it back on with out notifying me first Texas XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed an error on my TransUnion credit report over 3 times last year, regarding a notation on my report saying : Accounts with missed payments REAL ESTATE LOANS XXXX XXXX XXXX XXXX  1 Missed Currently null I contacted XXXX XXXX 2 days ago AGAIN, and they advised they have no noticed on my account that I EVER missed a payment on my mortgage payment. I have responded back to TransUnion numerous times, filing numerous disputes & they still continue to include this incorrect information on my credit 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 2019-01-24
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Suntrust bank did not refund the entire rejected wire transfer amount.

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 2020-02-21
Company: EQUIFAX, INC.
State: NY
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 looking through my credit file and i am noticing a company called XXXX XXXX who gave me a hard inquiry on XX/XX/2019. To my knowledge I never authorized this company or anyone to run my credit on this date. 

In my eyes this done without my knowledge and would like it off my credit report as it is fraud and not authorized by me. 

I have went over paperwork and I have not found anything with this company. 

I have also noticed there is an address reported at XXXX XXXX XXXX XXXX XXXX XXXX, tv XXXX which I never ever lived at on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: NY
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
To take advantage of cash back bonus offered by US bank, I wanted to pay an utility bill in the amount of {$300.00} by using my XXXX XXXX ... XXXX. Instead, I inadvertently charged this amount to my Checking Account ... XXXX by using my debit card ... XXXX associated with the CHECKING ACCOUNT ... XXXX on XX/XX/2019. This mistake, according to the Bank, resulted in NSFs in the checking account. The Bank slapped two fees of {$36.00} each for this lapse ( They, however, reversed one charge later on ). The bank charge of {$36.00} is illegal, and fraudulent due to the following reasons : 1. The account has been handled responsibly and never been overdrawn over its three year long history. The bank created an artificial overdraft by setting aside a sum of {$300.00} for payment to XXXX, but DID NOT PAY THIS AMOUNT TILL XX/XX/XXXX. On XX/XX/XXXX, there were sufficient funds in the account as a cash deposit of {$400.00} was available on XX/XX/XXXX to cover the artificial cash deficiency and Bank never carried any risk of loss due to this made up overdraft. 

2. On XX/XX/XXXX, the Bank called me from telephone number XXXX XXXX XXXX to offer me overcharge protection, which was declined. Therefore, I never opted in for overcharge protection.However, I found to my utter surprise, on XX/XX/2019 that the Bank had set aside funds for payment of utility bill rather than bouncing back the charge. Therefore, I had to make an emergency deposit of {$400.00} to cover the set aside HOLD on funds. This reprehensible behavior of the Bank goes against the very spirit of the consumer protection laws, when it enrolls customers in overcharge protection without their consent and knowledge. 

The Bank may be asked to refund the illegal charge for fees in the amount of {$36.00}. Further, the Opt in practices of the Bank for Overcharge Protection need to be carefully investigated.

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 2019-05-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
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:
I received a call from ( XXXX ) XXXX advising that there is a lawsuit pending for me from HSBC/XXXX  XXXX and I have not heard anything about this. They weren't able to provide any additional information. Is it not on my credit report and this is the FIRST time I'm hearing of this. I bank with XXXX XXXX and have two credit cards and no issues. 

I asked the lady to stop calling my job and they said they would continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, and I did not authorize these folks to pull my 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 2020-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I bought a car when I bought a XXXX XXXX XXXX when I bought the vehicle I had full coverage insurance with an added Gap Policy. I also bought an additional Gap policy from the actual lender. The vehicle was totaled out during the time the vehicle was totaled out the bank was merging with another bank five times they made me take in my paperwork and sign documents to clear the amount owing because I had gap insurance through the lender making the account paid in full with no late payments at all. The company has refused to update my credit reports and all three are showing this issue. The last time I went into the bank they lost my original paperwork. I think they didnt want to cover the bank that they had merged withs deals.

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 2018-03-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been having trouble with Navient for years. In XXXX I made a substantial payment. I thought I paid off my account in its entirety. The company even wrote to the credit burial that I was paid off. I finally was able to reach some help in XXXX after writing a complaint here. I submitted the complaint in XX/XX/XXXX and didn't get feedback until XX/XX/XXXX. I have paid Navient XXXX much of it while still in school and even more right after the interest period started. My original loan amount is XXXX. I want them to explain in detail showing the math how it's possible that I owe them XXXX. They claim that I overpaid my account by XXXX Instead of applying it to another loan they sent me a check. I told them that I was living in XXXX to volunteer at that time, I told them before I moved there. I want to know where they sent the check to. Now I have accumulated on my account for amounts that I don't even owe and they haven't taken that off. Furthermore, they have added this incorrect bill to my credit score causing it to go down. Can someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: EQUIFAX, 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 was victim of identity theft, somebody stole my personal information to open credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: Real Time Group, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
This was originally repossessed in XX/XX/2013 it's showing up under a new collector, not the original one extending the time now for another 7 years until it comes off my report. I would have never gotten a title loan if I had understood that the interest was so high I could never afford the payments on my truck. I paid cash {$17000.00} just four years  earlier and owned it in the free and clear I just needed extra cash because my son got into a life and death issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Ascendium Education Group
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
We have repeatedly been harassed by collection agencies for debts that DO NOT BELONG TO US.  I have had to turn off my home telephone do to the non-stop harassment, even though the agencies were told by the PA Attorney General 's office to stop contacting us for someone else 's debt. Now I see you are thinking of giving even more HARRASEMENT Services to collection agencies who don't even verify whom they ae contacting @!!!!! 

Just last month my husband 's EMPLOYER received a call on their personal Work cell, which resulted in an error being made in verifying whom my husband was and they had set up GARNISHMENT of MY HUSBANDS WAGES to the tune of {$60000.00} for someone else 's DEBT!!!! 

EXCERPT OF EMAIL HE RECEIVED : On Thu, XXXX XXXX, 2019 at XXXX XXXX XXXX XXXX XXXX @ > wrote : XXXX, I wanted to let you know, we have received a Garnishment Order that requires us to deduct 15 % of your disposable income every pay for payment to Ascendium. This payment will be going to XXXX XXXX XXXX, phone number XXXX reference no XXXX. If you have any questions please contact this Agency. 

I contacted the agency, who repeatedly transferred me to other people till I finally talked to a manager whom I notified we had already previously complained to the PA Attorney General about constant harassment and she verified they HAD THE WRONG SSN for the Garnishment! She then HUNG UP ON ME! 

My husband had to go into his employers office and get a Office Manager to re-contact them and have the Garnishment Removed. Their was an employee error in verifying my husband, but that is NO EXCUSE the Collection Agency should be verifying whom they are owed money from BEFORE contacting someone's employer! 

We were told the Debt was actually owed from someone in OHIO and WE HAVE ALWAYS been PA RESIDENTS! 

We constantly have to reverify ourselves with our LOCAL PA TAX BUREAU as they had received false information that didn't make sense to them from OHIO, as we have been paying them Pa Local taxes all our lives. 

THIS HAS TO STOP! I don't know what they are using to verify whom they are calling but they sure don't verify they are calling the correct people or relatives! and once One agency finds out they are calling the INCORRECT PERSON THEY SHOULD ADD THE INFORMATION SO WE ARE NEVER CALLED AGAIN!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: DE
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:
This involves Equifax credit bureau and the furnisher : XXXX XXXX XXXX who are providing knowingly incorrect information on my credit file and Equifax refuse to remove it even though proof was provided. XXXX XXXX claim that an amount is owed from a apartment company by the name of XXXX XXXX XXXX XXXX XXXX, TX in the sum of {$3300.00}. I have a court document stating otherwise. This court document states due to two defaults where the Plaintiff ( XXXX XXXX ), refused to attend the jury trial court proceedings. A ruling was made on the second trial of not only another default issued against XXXX XXXX, but a decision was made that no monies was owed from said Defendant ( XXXX XXXX ) to the said Plaintiff ( XXXX XXXX ). The supporting documents were faxed to XXXX XXXX XXXX XX/XX/2019, poof being provided by a fax confirmation. Having this evidence in possession, XXXX XXXX still refused to acknowledge the documents and continue to report the facts and stop reporting this inaccuracy. The acting manager on this file representing XXXX XXXX name is XXXX XXXX. The same documents were faxed to Equifax on XX/XX/2019, prior to 3 previous disputes that were filed on this same matter. XXXX and XXXX deleted the file immediately after proof was given, not Equifax!!!! Both are illegally falsifying the debt on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i was discriminated against when applying for the gold card with American Express, i was denied an extension of credit. not once but twice.

Company response to consumer: Closed with explanation