BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-13
Company: Blackhawk Network Holdings Inc.
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Prepaid card, issued by THE XXXX XXXX  from XXXX for the XXXX XXXX XXXX  or any place that accepts XXXX  was a XXXX gift XXXX in amount of {$100.00}. We used the card once. at the hotel ( XX/XX/XXXX ) in the amount of {$45.00}. The next time ( XX/XX/XXXX ) we wanted to use the card it was DENIED. According to gift card account history it showed, that there was a Service fee of {$1.00} charged every month since XX/XX/XXXX. When I finally called in XXXX to inquire about the problem I received very little support. Their claim is that they have switched banks in XXXX and a refund check was issued with the remaining balance and mailed to our daughter. That is false and our daughter never received any refund back in XXXX. XXXX is telling us that they no longer have access to research the problem. If this was the truth, than we was I able to find my transaction history in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise Credit Services , Inc . 
Not my debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company that I currently have XXXX XXXX XXXX refuses to give me a statement in the mail concerning my loan payments. They state that they do not have to give me the statement in the mail. I have noticed on several occasions that the balance, and monthly statements are not accurate. I have requested 5 times that they start mailing me statements and they refuse. I have also asked them to send me an itemized list of my account concerning all of my payment since they have taken over my loan, and they have not complied.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
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 is missing that should be on the report

Complaint:
I contacted Equifax several times about missing information on my credit report. I have two federal student loans with XXXX XXXX and I have three credit cards with XXXX XXXX. None of these accounts are on my Equifax credit report. This agency is withholding information which is a violation of the federal fair accuracy act. I would like my two student loans and all my XXXX XXXX   credit cards to be reported correctly immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Amsher Collection Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2021, I received a notification on my XXXX Credit Report about a collection entry by a company based in Alabama known as AMSHER Collection Services ( XXXX. The debt was for a company known as XXXX XXXX XXXX XXXX XXXX ) On XX/XX/2021, I called XXXXXXXX XXXX  and the lady checked her records and confirmed that I had never had an account with them as they service the Southeast United States and I live in Delaware. She advised me NOT to call AMSHER, but to file a dispute with XXXX which I did. I supplied XXXX copies of my drivers license and passport and about a week later the collection notice on my credit report disappeared. On XX/XX/2021, I received a new entry on my credit report listing the same information and same collection agency. Today, XX/XX/2021, I contacted XXXX by phone and asked them why the inquiry was reinstated. They said AMSHER reported to them that the account was opened using my social security number and that this indicated fraud and for me to contact the FTC to file a identity fraud alert.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: NY
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:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is a follow-up complaint to CFPB complaint # XXXX and now complaint # XXXX due to the inaction and lack of communication by HSBC. What I said was going to happen has happened ; in my first CFPB complaint to HSBC on XX/XX/2020 I said " I strongly believe that HSBC is trying to wait me out and want me to give up, or at least wait until my checking account reaches to {$0.00}. '' My account has finally reached to {$0.00}, in fact, even a negative balance. Based on a response by XXXX in response to my second CFPB complaint, a check in the amount of {$1400.00} was sent/generated on XX/XX/XXXX. XXXX said that it would take 7-10 business days for it to arrive. When 7-10 business days passed, I tried to maintain communication with XXXX, which had large gaps in her responses and no responses through email recently. During my wait with XXXX XXXX had to call customer service multiple times, with every time having no results. It is now XX/XX/2020, almost 2 months after the check was supposedly " sent/generated. '' The lack of communication or reassurance that my funds would be given back to me as continued to lengthen this ordeal for me and has appalled me beyond belief. I have done everything on my part during the fraud investigation, which took an unnecessary number of months with the fraud department trying to shift blame to me when I was the one that had to bear the brunt of communication by calling them every time, since no one was calling me back. I have had well over 40 lengthy calls with HSBC trying to keep me informed about my money and my account and now it looks like the struggle that I had with the fraud department is now happening with the customer relations department. I have checked my mail every day. I have been put on hold for hours on end. I have maintained hope in HSBC that they would keep to their word give me a great banking experience, but so far it has just been a living nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
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: Public record information inaccurate

Complaint:
so here we are again, for the 10th time and several years running that experian REFUSES to fix a fraudulent entry in my credit report. a few months ago filed the 9th complaint with the CFPB against EXPERIAN and EXPERIAN comes back with another lying XXXX   excuse why they are not doing anything. this latest excuse is that the credit card company cant get a hold of me so EXPERIAN will not change the fraudulent record.

here are the facts AGAIN. someone took out a XXXX card in my name FRAUDULENTLY. for years i have provided proof that the XXXX   card was not taken out by me, was not used by me, was taken out by the criminal that filled out the form, that was used by that same criminal. all of this has been proven with the documentation - event providing WHO committed the crimes. XXXX  and XXXX, with this proof, have removed the fraudulent record from my credit report. but given lie after lie after lie, experian refuses.

it is NOT my responsibility to chase down XXXX or anyone else to remove what is in EXPERIAN 'S records. what if discover ceased to exist? how then would the invalid record be removed.

i have demonstrated now so many times that a fraud was committed and that EXPERIAN is perpetuating the fraud and that it refuses, UNLIKE THE OTHER TWO AGENCIES, to remove the fraudulent record so EXPERIAN is also guilty of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are not my accounts they are FRAUDULENT Im not the XXXX  XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX ACCT, XXXX XXXX XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX   XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/XXXX {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS 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 explanation
Consumer complaint received 2020-05-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I spoke to a US Bank representative by calling theXXXX number listed on their website. XXXX the representative that I spoke to said that I qualified for the XXXX  dollar sign-up bonus. 

When signing up I had used the promo codeXXXX. XXXX verified that my account was eligible and that the direct deposit made on XX/XX/XXXX and XX/XX/XXXX would qualify for the bonus. She said that I didn't have to worry and it would post to my account within 60 days from the XX/XX/XXXX date. She told me the XXXX direct deposit on XX/XX/XXXX and the XXXX direct deposit on XX/XX/XXXX qualified me. 

On XX/XX/XXXX, I called in and was checking the progress of my bonus. I spoke to a nice associate who told me that the direct deposits I made were not eligible even though I was told by an associate on XX/XX/XXXX that my account had qualified. She transfered me to her manager. Who to be honest had very bad phone quality ( teleworking ). She then told me the bonus wasn't awarded because it was for only new customers. This in itself is an outright lie since the terms clearly state " Offer is not valid if you or any signer on the account has an existingU.S. Bankconsumer checking account, had aU.S. Bankconsumer checking account in the last six  months or received otherU.S. Bankbonus offers within the past 12 months. '' I am not in violation of this since my last US Bank account was closed on XX/XX/XXXX. XXXX or XXXX, I couldn't quite catch her name directly lied to me and was very aggressive when I told her that I was correctly following the terms and conditions and this was a legal issue and I would raise it with the Consumer Financial ProtectionBureau. 

If I was in fact not eligible I should have been directly told this on the first phone call on XX/XX/XXXX. Because I was misled on the phone call I believe that US Bank should act in good faith. All calls are recorded and I request that you review them. I believe at this time US Bank has acted in a bait and switch scenario. Please review this calls to train your customer service representatives and make sure they are educated correctly. Your customer service manager should not be spouting direct lies about qualifications.

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 2018-02-13
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Paid portion of bill to Balanced Healthcare Receivables on XX/XX/18. Was promised an email as a receipt, as well as a email with website to continue payments and stop phone calls.. Never received receipt or website emails and less than a eek later received another call trying to collect the debt. The person spoke, got my info and hung up on me. Called back asking why I was receiving calls less than a week later and was told it was a glitch that they could see I paid 6 days ago online ( which was false as I paid on the phone ) and the lady kept saying it was a glitch and was a harrassing call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
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: Public record information inaccurate

Complaint:
I have sent in numerous disputes to Equifax regarding the inaccurate reporting of a bankruptcy on my file. There was no bankruptcy filed on XX/XX/XXXX. I mailed my most recent dispute around XX/XX/XXXX, and received an email confirmation from Equifax on XX/XX/XXXX that the investigation was underway. Yesterday I received my Equifax report dated XX/XX/XXXX ( confirmation # XXXX ),  stating that the bankruptcy was verified, with a verification date of XX/XX/XXXX.

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. Obviously, if the verification date is XX/XX/XXXX, no re-investigation was done, which is a violation of the FCRA. 

I have also obtained a copy of my XXXX report from XX/XX/XXXX and there are no public records listed on the report ( see page 9 of  XXXX report attached ). So, how could XXXX verify a bankruptcy, and yet not be reporting it on the Public Record Disclosure file I received from them? 

Based on the above information, I am hereby demanding deletion of the above accounts from my Equifax file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed the subject credit card account with Citibank in XXXX. A charge made on the account in XX/XX/2019 for travel arrangements triggered a refund of {$420.00} in XXXX. On XX/XX/XXXX I contacted Citibank to ask how these funds would be returned to me. I was told that a check would be mailed to me shortly after the refund was issued by the merchant. The merchant issued the refund, and it was posted to the account within days of my XX/XX/XXXX contact with Citibank. I waited 2 months and did not receive the promised refund from Citibank. On XX/XX/XXXX I contacted Citibank again, went through a similar process, and was assured that a refund would be received within 14 days. I waited another 14 days and still did not receive the refund. On XX/XX/XXXX I contacted Citibank yet again and learned that no refund had been issued. The representative gave assurances that a check would be issued in 7-10 days, similar to the assurances given by his 2 colleagues in my prior contacts. But he added a further caveat that if there was a problem Citibank would send me a letter, not a check, in 7 to 10 days. He said he would provide a confirmation -- that turned out to be simply his typed reply with the date of our communication in the chat. This continuing run-around without accountability has become unacceptable. If the tables were reversed and I had not paid Citibank for 2 1/2 months they would charge me a late payment penalty, interest and ding my credit score.

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 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I haven't ever dealt with theses companies never given authorization for them to inquire about 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 2017-09-14
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Note, none of the categories properly fit this problem. TD Bank issued a XXXX INT for accounts which did not belong to me. Visited the branch twice but the issue never resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This complaint is to dispute communication with XXXX XXXX and IC Systems. I had an emergency room visit XXXX of XXXX where I spoke with a doctor and provided a XXXX sample and was charged {$520.00} after insurance. I request a lower rate after a few months of service upon receiving a bill. I was told that they would call me back after a review was conducted. A few months later I was reached out again in XXXX of XXXX after no phone call was made and explained the situation over again and was told to wait for a call, to which I provided the number they should call. Then in XXXX of XXXX I answered a call from IC Systems explaining they were a debt collector for XXXX XXXX and that they were to collect a debt. The very same debt that I had inquired about and was waiting to hear back, even though I never received a call from XXXX responding to my original request. At which point I explained again what was going on. They said I could send in a physical letter asking to dispute the charges from XXXX XXXX. I asked if I could file this dispute electronically and was told that was not a possibility. I explained to them to stop calling me and then I would send the letter and to email me the physical address to send the dispute. I called a second time a month or two later after not receiving the email after verifying that I don't not receive the email, nor in a spam/junk folder, and was told they would send the email again. I also re-verifying my email. Now XXXX of XXXX I get a hit on my credit report with a collection action. I then called IC Systems back to which I had to explain the issue once again and requested they reverse the item on my credit report. They said they can not reverse the item on my credit score and said they can confirmation that the email was sent. To which I checked my email again on the date they provided it was send of XX/XX/XXXX, and it was not there. I was then given the actual address to send the dispute to. When I asked XXXX XXXX, a supervisor, at IC Systems to wait on hold for a few minutes after a short while she proceeded to hang up without notice. I now have the physical address to send the dispute per their policies. I plan to send this dispute tomorrow ( XX/XX/XXXX ) the day after speaking with IC Systems. I would like this reverse immediately due to the lack of communication on XXXX XXXX 's part and IC Systems for not returning calls as promised or delivering emails.

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