BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-14
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I used my debit card between XXXX and XXXX. At this time my checking account was in a positive balance, on XXXX I withdraw funds out of my checking account in the amount of XXXX, that caused me to have a overdraft fee of XXXX. On Tuesday, something told me to check my regions account, which I did and my negative balance was approx. XXXX. I thought this was an error so I called Regions customer service, I spoke to several supervisors on this day, the last person told me that her supervisor would issue a XXXX refund but that was it because, what happen was even though my account was in a positive over the weekend, when I over-drafted on Monday that caused my account to overdraft 9 times, which I am confused, how can you overdraft when your account is in a positive? Regardless of what order your transactions are being entered and I expressed this to the supervisor, whom advised me to go to the branch and speak with a branch manager, on XXXX, I spoke with a branch manager whom stated they can not refund overdraft fees anymore, that was taken away from them, she also gave me the total that I should of been charge, she states XXXX. My transaction receipt says I would be a charged an over-drafted fee and my negative balance is XXXX. This is not right, I do n't have money to give to Regions, I know that I had to pay a over-draft fee for my withdrawal on XXXX. But not for any purchases I made over the weekend prior, this is not right and should be looked into. How can you charge my account over-draft fees when I was in a positive balance and also, why are you turning the transaction order around, that 's how a lot of people miss fraud, the order should stay the way the person uses their debit card. I never knew the order was changed and have always wondered why I had to study my account to make sure there was no fraud transactions on it, this make it hard for a fraud transaction to be recognized immediately, unless in my case it 's XXXX in over-draft fees. And also, on XXXX the branch manager advised me to call customer service back pertaining to the fees, and I did so sitting in her office, the only thing I was told very rudely, was that I was getting nothing back on my account, and spoke to another supervisor that stated she will file a complaint for someone to call me back. This is horrible, I do n't have money to give to Regions, notice i over-drafted on XXXX. Why would a bank try to take a persons money? Upon writing this complaint, XXXX from Regions called me and explained that she will refund another XXXX and also they have charged me another XXXX for a transaction that I made over a week ago, my account balance is now in the negative of XXXX. I have been giving mixed communication about opt in and opt out, so I am opt out of Regions service, and still did not receive a full understanding on that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11
Company: BANK OF THE WEST
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had nothing but problems with Bank of the West. The worst part about it is that there are issues going on some where in the system and they could n't tell me what caused them. I made a name change and added a beneficiary to my account in XXXX. Between my husband and I we have XXXX accounts with them and a year later, in XXXX, we received 16 notices in the mail of name or address changes made to our accounts. We did n't do any changes. After months of research they could n't tell us what happened, It must have been a glitch they said. Another year and a half later I received 15 more cards with the same issue - called the number on the card to address it and they could n't help me, even though that was the number it stated to call if the information was incorrect, had no clue what the issue was, they said they forwarded my concern and my branch would call. That was on a Saturday, by Wednesday I still received no call from my branch.... so I called them. They looked into it and said yes they showed XXXX cards going out for a change on my address - here is the clincher : they only did it for XXXX of my XXXX accounts, AND THEY PUT PERSONAL AND PRIVATE INFORMATION IN THE ADDRESS LINES TO MY HOME!!!!!! The cards were n't in sealed envelopes but printed cards. Then while dealing with this while traveling, I used my debit card the first day and after that they denied my card for fraud hold, called the bank, I should have been called they said - called the fraud department, verified my number and they admitted no attempt was made to contact me, yet my husband was free to use his cards. This bank has no clue what one hand is doing from the other never mind the fact they are in total violation I feel of my privacy rights. Why do they not have control over what is going on in the system, who is touching what accounts and when??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: SC
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:
Experian credit agency is leaving false information on a address that is not mines.

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 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting that the item be removed or updated to reflect the correct the information. 
Enclosed are copies of documentation, supporting my position. Please reinvestigate this matter and delete or correct the disputed items as soon as possible. 

Your Company has refused to properly investigate these accounts by saying these inquirys are actual fact, when they are NOT. 

The following credit inquiries are related to none of the fore mentioned permissible purposes : The following inquiry needs to be removed immediately : XXXX XXXX/XXXX   Inquiry from : XX/XX/XXXX XXXX XXXX  Inquiry from : XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information. 

I am requesting that this item be deleted or adjusted in order adequately reflect my true credit history. 

I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my credit report. 
I sent also sent this letter via certified mail to ensure this matter is resolved within the required 10-day window.

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 2015-06-25
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX :. I sent a check to Afni for XXXX for an account that was sent to collections by XXXX/XXXX. I got another letter for a bill for {$59.00}. I sent a check. Both checks cleared in XX/XX/XXXX. 
XX/XX/XXXX : I was trying to get service with XXXX. I was told that I had a past due balance of {$59.00} from XXXX. I sent cancelled checks from my bank showing proof that this account was paid in XX/XX/XXXX. I thought the issue was resolved because XXXX at XXXX investigated my account and informed me the payment was applied to another account. 
XX/XX/XXXX : I got a copy of my credit reports and there is a collection on my account from AFNI for {$59.00} from XX/XX/XXXX for a debt in XX/XX/XXXX. No one called me from this company or sent me a letter to let me know this account was in collections. I called spoke with XXXX and he attempted to mislead me saying the " check had bounced and that they had called me ''. Then he completely disregard my explanation and starting say " this is an attempt to collect a debt and ask me if I wanted to pay by check or credit card ''. I informed him that I will dispute this situation with the credit bureaus and I have. I also sent a copy of the cancelled check to AFNI at support recovery along with a copy of the my account to show that the checks cleared and I did n't have any NSF 's. This is an ongoing issue that is impacting my credit. I am upset with XXXX XXXX for not resolving the issue and AFNI for not giving me the chance to show proof of payment prior to putting this information on my credit report. Please help. BTW, my address has not changes in 5 years or my phone number and no one attempted to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I HAVE HAD A MORTAGE WITH BANK OF AMERICA SINCE XXXX XXXX XXXX AND HAD A MODIFICATION XXXX XXXX AND HAVE BEEN PAYING IT EVER SINCE AND WOULD LIKE MY MORTAGE MAYMENT TO BE POSTED TO MY CREDIT BUREAUS EVERY MONTH SINCE MY MODIFICATION,

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 2022-03-22
Company: U.S. BANCORP
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I bought a used car in XX/XX/2021 and the loan was funded through US Bank, beginning in XX/XX/2021. In XX/XX/2021, I received a letter from US Bank telling me that I was late on my loan payment. I logged in to my account and the statement showed the loan amount paid from my Bank ( XXXX  XXXX XXXX ) to US Bank and the loan amount and then the very next line of the statement said, " amount reversed. '' I called US Bank on XX/XX/XXXX ( the first of 12 phone calls ) and spoke with a customer service representative who said that he would try to submit my payment again which he did and said that the money was transferred. 
A few weeks later, I received another letter from US Bank, telling me that I was late on my payment again. This continued to happen so US Bank asked me to get a letter from my bank XXXX XXXX  XXXX XXXX ) stating my account number and routing number to make sure that it was correct. In the mean time, I spoke with supervisors at US Bank, who, with my permission, " took over control '' of my laptop screen to check my account and routing numbers, which were found to be correct. 
I was able to make an in person appointment to talk with a customer service representative at US Bank and he suggested I download the US Bank app on my phone and try making a payment using the app, which I did and it was successful, but it was too late. US Bank had already reported my supposed delinquency to all three credit bureaus. 
I called US Bank a total of 12 times ( and talked to 12 different people, having to eplain everything over and over and over ) over the past three months, to no avail. I mailed them approximately 25 pieces of paper as they requested to prove I was making payments and that their US Bank online system was rejecting my payments. All of my phone calls to US Bank were recorded. 
I am ( was ) in the middle of getting pre-qualified for a home loan and my credit score dropped XXXX points because of US Bank 's mistake and my lender will not move forward with me because of my credit score.

I would like US Bank to reverse the damage that they have done to my credit score with all three 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 2022-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
After a long credit/debt relationship, hardship came and forbearance request granted but then cancelled by " creditor '' without consent of " creditee. '' Account was sent to collections. Debt validation request sent by " creditee '' XX/XX/XXXX which was denied by BOA and remains unanswered. " Creditee '' has not heard from nor had any communications from " creditor '' since sending validation request letter. 

On XX/XX/XXXX " creditee '' received a summons complaint, being made defendant on account stated complaint. " Creditee '' still awaits proof of original consideration, loss, as paid from claimant, " creditor '' accounting.

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 2016-05-26
Company: Early Warning Services, LLC
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to obtain a consumer report relating to my banking history via a telephone call to Early Warning Services. Early Warning Services is a credit reporting agency and is listed on the consumerfinance.gov website. 

During my phone call to Early Warning Services, I was told that I could not have my credit report because Early Warning Services could not verify who I am. 

I was told during the phone call to Early Warning Services that I would have to fill out a form, submit documents and wait for a month before I can receive my credit report. 

Early Warning Services is withholding information that I need and I want my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
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:
I am requesting that the item be removed or updated to reflect the correct the information. 
Enclosed are copies of documentation, supporting my position. Please reinvestigate this matter and delete or correct the disputed items as soon as possible. 

Your Company has refused to properly investigate these accounts by saying these inquirys are actual fact, when they are NOT. 

The following credit inquiries are related to none of the fore mentioned permissible purposes : The following inquiry needs to be removed immediately : XXXX XXXX/XXXX Inquiry from : XX/XX/XXXX XXXX XXXX Inquiry from : XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information. 

I am requesting that this item be deleted or adjusted in order adequately reflect my true credit history. 

I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my credit report. 
I sent also sent this letter via certified mail to ensure this matter is resolved within the required 10-day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: MN
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:
The following accounts and credit inquiries currently listed on my Equifax, XXXX, and XXXX XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXXXXXX XXXX {$580.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Convergent Resources, Inc.
State: MO
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:
XXXX XXXX continues to report an alleged debt of {$410.00} on my credit report under account number XXXX that the credit bureaus have removed three times now. This collection agency, nor the original creditor, have stated they have no records of me ever having an account with this company, XXXX XXXX, listed as the original creditor. It is also passed the Statute of Limitations, nor has it ever been properly validated. Yet this collection agency XXXX XXXX   and continues to re-report this debt after each time it is removed by the credit bureaus. This shows willful noncompliance and it is in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act.

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 2022-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2022, I received a very official looking email from the Bank of America stating that there was an issue with my California XXXX account and that I should call them - which I did. I verified all my information with the operator, but said operator could not find any issues with my account. 
On XX/XX/2022, two transfers were made from my BofA XXXX account, the first for {$2400.00} to an account which was not mine, which was immediately closed and then another transfer for {$600.00} to a new account which, again, had nothing to do with me. 

I tried to contact the BofA, but all my passwords and information had been changed. 

After seven guelling attempts and as many hours, I was able to reinstate my personal information. I filed a dispute with BofA over the fraudulently removed funds. 

Several days later, I called BofA to discover that they denied my dispute without investigation. I was able to speak with a supervisor who looked at the issue and agreed that there was obvious fraud and reopened the investigation. 

Today, XX/XX/2022, I learned that the dispute was denied again- without investigation - dispite my having provided BofA at their request with all pertinent information regarding the phishing email and my phone records indication that I had indeed called the site. This information - requested by old fashioned phone fax - was apparently not even looked at. 

I was able to reach another supervisor who agreed that there was obvious fraud and re-opened the dispute a second time. 

It is obvious that there are people inside either California XXXX or Bank of America or both who are providing personal information to third party scammers. Bank of America for its part is doing nothing to adress this problem and dismisses dissputes out of hand without any investigation whatsoever.

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 2015-12-16
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a mortgage complaint with Freedom Mortgage Co. which extent from 2014 to the present. I have spoken to a repersenitive on several occasions which have led me nowhere. I am really trying to resolve this with out getting legal help, which I can not afford. This is my problem, I have paid more on the principal than is not required and it never shows up on the following payment. In some cases a statement was typed in the Account Information section stating that " This is the Principal Balance only, not the amount required to pay the loan in full. '' When asked, What happen to the overage amount? I was told that their records did n't show an overage amount. I went to my E-Statement on lined, that showed that I had paid thousands to my principal that was not showing up on my account since 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Hello, So I have a collection agency XXXX XXXX and Transunion refusing to remove a collection on my record that is not mine. All other reporting agencies have removed this fraudulent collection. Transunion is still illegally trying to collect from me. I live in a state with another with a similar name, XXXX XXXX. I looked further into this and the account looks to be owed in full by a XXXX XXXX. I did not live in this home. I have never received any type of notice that a collection was being placed or needed to be paid. I found out about this by looking at credit karma. I have tried to resolve this with both Transunion and XXXX XXXX. But they refuse to listen or look further into it. This collection is not mine and is the reason I am currently homeless and unable to purchase or rent a home. I can provide a lease to show I was not living in this home at this time.

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