BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Walmart refused to take my order online, when even though I had a balance of credit to use it kept saying the card was not able to take the payment. I was transferred multiple times and ignored. They refused to take my payment over the phone and hung up on me repeatedly.

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 2015-12-01
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/2015 a request for modification review was sent to US Bank. On XXXX/XXXX/2015 at XXXX XXXX a call was made to US Bank - XXXX x XXXX and spoke with XXXX. The notes XX/XX/XXXX from processors were that docs were needed : co-borrowers signature and date on RMA, current retirement award letter and two months proof of receipt, and two months proof of receipt for SSI. On XXXX/XXXX/2015 these docs were faxed to the lender. Nothing had been received from the lender concerning addition missing documents until XXXX/XXXX/2015, where a voicemail was left for XXXX XXXX the processor after a letter stating that an updated XXXX form was needed. This was faxed to US Bank the same day. On XXXX/XXXX/2015 XXXX called in and advised of a new LIST of documents needed now. Stating that they need updated retirement award letter and a XXXX for co borrower - advised XXXX was received, but they want a separate one for XXXX, the co borrower. On XXXX/XXXX/2015 all the above requested documents were faxed to the lender. On XXXX/XXXX/2015 a third party attempted to get an updated but US Bank stated that the authorization had expired and could not speak with them. By XXXX/XXXX/2015 a new authorization was provided and faxed to the lender. On XXXX/XXXX/2015 a call was made to US Bank by the authorized third party and XXXX stated that we needed to add tax ID on third party authorization and that both borrowers need to sign the power of attorney to discuss the file. She was questioned as to why and she did n't know. A supervisor was requested and then the call was transferred to a line that rang and rang with no voicemail or pickup. Later that day the Tax ID number was added to the power of attorney and re-faxed it to US Bank. In the meantime no document stating of missing documents were ever sent to the attorneys office or the client. It was n't until XXXX/XXXX/2015 that the authorized representative from attorney 's office was able to speak with the lender and they stated that they were missing an updated award letter. The most updated award letter dated XXXX/XXXX/2015 had been previously faxed to the lender MULTIPLE TIMES at this point. Again this document was faxed same day to the lender. On XXXX/XXXX/2015 a call was received by the authorized XXXX party that the file was closed on XXXX/XXXX/2015 and a new submission was required. This is absolutely ridiculous. The lender played games not requesting all the needed documents at one time, but when documents were requested they were received in a timely fashion. There is absolutely no reason that a resolution should not have been reached by this time, let alone CLOSING the review. This review was handled haphazardly in a fashion to promote the foreclosure of XXXX XXXX 's home, when he has been doing everything in his power to attempt to work it out with the lender.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has a PROBLEM with KEEPING OBSOLETE AND OUT-DATED MAILING AND PAST RESIDENTIAL ADDRESSES ON MY CREDIT REPORT! They claim they have gotten these addresses from " public records '', but decline to say what " public records '' they are! They have REFUSED TO REMOVE THE OUTDATED, AND OBSOLETE MAILING AND RESIDENTIAL ADDRESSES, ON MY CURRENT ANNUAL 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 non-monetary relief
Consumer complaint received 2015-11-23
Company: National Principal Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company by the name of National Principal Group contact myself and several of my family member leaving a threatening recorded voice message. I spoke to XXXX of their " representatives '' all of which claimed I owed a several hundred dollar balance on a pay day loan, which I had never taken out. Each time I contacted their offices to request emailed documentation of the alleged debt, I was assured that it would be sent. Finally, after XXXX attempts to recieve this email, they sent a generic password protected email. I called back to question how to open the attachments, and the office manager hung up on me. I called back XXXX more times, and was hung up on XXXX times. I believe this to be a fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Frost-Arnett Company
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Frost-Arnett date of demand for payment XX/XX/XXXX. My medical debt was paid directly to XXXX XXXX XXXX XXXX and cleared the bank on XX/XX/XXXX. This debt has been sold several times and is a been falsely reported to the credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a debit XXXX card from US Bank ( ReliaCard ) at my home address, but it has the name of another person. I phoned USBank and after talking to several departments, I was told that they only process orders from US Government agencies and have no personal information on recipient. I checked - there is no one in our area with this name. I sent a fraud report online to our local Jobs and XXXX XXXX XXXX, but there has been no reply. I checked my credit report, but nothing shows up there. Since there has been soooo many fraudulent claims and sooo much money has been lost - I think it's been Billions!!! - I want to be sure that our address or other info hasn't been compromised!! 
Tell me what to do with this XXXX debit card, I have been uneasy about just throwing it away. Name on card XXXX XXXX # XXXX XXXX XXXX XXXX exp. XX/XX/24 Thank you for your prompt reply!!

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 2015-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was being charge with fees from an Appt complex when I moved out. So I filed a complaint with the, " XXXX XXXX XXXX ''. After the review, the XXXX rule in my favor. During the XXXX review, I paid the collection company, because I was getting threatening letters and was being harassed daily. Once I receive the letter that XXXX ruled in my favor, I sent out disputes to all XXXX credit reporting agencies, the collection agency the Appartment company and requested the money back that I paid and disputed the A check was sent to me in XXXX 2014 from the apartment company refunding me the money that I had paid. As of today this derogortory information has not been removed from my credit report. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been trying since XXXX to get XXXX hard inquiries removed from my credit report from Capital One Bank. I did not authorize my credit to be ran for any account. I contacted Capital One on XX/XX/XXXX and spoke with the fraud department. I was told that yes a business account had been opened up in my name but has since been moved into the correct persons name. I asked how this was possible. I was told it looks like a mistake. I let her know that it is showing XXXX hard inquires on my credit reports and needs to be removed. She assured me this would be taken care of and she would mail me out the updated information for my records. Now fast-forward to today XXXX/XXXX/17. I still have not received anything from Capital One stating anything. I 've tried over and over again to call and get some help. All i 'm being told is they do not show an account in my name. Last week while still working on to repair my credit I received a report from XXXX and it 's XXXX addresses listed that are not mine. They show addresses out of XXXX but I live in XXXX I 've never lived in XXXX. I called XXXX and spoke with a rep who worked with me on finding out what was attached to that address. Come to find out the Capital One inquiries where from that address. The rep then issued a fraud alert on all XXXX credit bureaus. Because of the fraudulent activity I was able to remove the inquires from XXXX but I 'm not able to with XXXX and XXXX because those addresses never showed up on those reports. I need this removed. It is negatively affecting my credit score. I have never had an account with Capital One and after numerous calls weekly no one has been able to help get these removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have opted out permanently for prescreened credit card offers, but I still get them from Century Bank. I have also called them directly but the offers still come.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account with XXXX # XXXX that is listed on Experian and XXXX as a charge off account even though it has been paid. This account was paid 8-9 years ago and should not be on my report any more. I have disputed it several times to no avail. They have come back and stated that this account was verified but when i ask either the creditor or the credit bureaus for proof of the last date of activity i never get it. 

i 'm hoping you can help me resolve this as this is hurting my ability to obtain employment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: U.S. BANCORP
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
U.S. Bank has done this to me MANY of times. they charge me Overdraft Fee 's for transactions already completed. they try and show you a way that makes it seem like it 's all legit but it 's not. they did n't have to cover anything I bought with their money. it was all mine but because " how there system works '' they keep charging me these ridiculous fee 's. i am currently negative {$140.00} in the bank because they charged me XXXX, {$36.00} fee 's. XXXX= {$140.00}. Without the fee 's I would have almost {$4.00} extra. they tried telling me because I was negative in my account on XX/XX/XXXX, but I was n't. I was negative on XX/XX/XXXX for about half hour. they say if the negative balance is paid before end of the day we wont get a overdraft fee. well fast forward to about an hour and out of no where i 'm getting XXXX overdraft fee 's for things that have already been " completed transaction '' with a positive balance after. it amazes me that they can just go in and make us pay an overdraft fee for things that are not even pending and have been paid with money to spare. they tried telling me it was negative but can not prove it to me. not one in the print out they gave me does it show that my account was ever negative. I check my account every day. it 's just how they decided they want to take the charges out. so it does n't matter when you buy something, it matters how much. I have had 2 people confirm this to me. they do n't go off when you spend the money, but how much. so I spent money in my account because it said it was there, then something comes out that I forgot about and it 's more then what 's left in the available account so they take that out first even though it 's been pending a day and the others have been pending 4+ day 's. they take the high amount out first which makes me go negative and now they get to charge me for the other already pending charges on top of the new one. so instead of getting just XXXX overdraft charge they found a way to get XXXX or more out of me. they should take the money out, first in first out. not pick which ones they want to put through 1st. as soon as I can I will be closing my account and recommending to everyone to never trust or use them! went into 2 different branches to try to resolve this talked to 3 different people. only 1 out of the 3 were nice and generally concerned about my issues, they other two boys ... .. not so much, all they could tell me was " well, that 's the consequences of using money you do n't have '' SERIOUSLY? I used only the money I had, not one Penny was from them!

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 2015-08-08
Company: Nationwide Credit Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved into a house from XX/XX/XXXX and moved out of the house XX/XX/XXXX. My land lady forward the washington gas bill with an established account servicing the house. I paid off XXXX XX/XX/XXXX and inform them i no longer reside at the residence since XXXX. i move on with my life. XX/XX/XXXX. XXXX XXXX sent my information to collection agency in the amount of over {$300.00} with a new established account number trying to make me to pay them for service i dont know anything about. 

I called XXXX XXXX and they said the reading meter for that high bill started XX/XX/XXXX and someone actually paid {$400.00} in to that account but still owe them. Clearly XXXX have information of a check name or creditor name that paid and owe them but i dont know why they are harassing me and they also told me they cant remove my name from the account because the landlord never assumed responsibility for the account when i left in XX/XX/XXXX. This is not true because the accounts numbers from when i lived there to this ridiculous charges are XXXX different account numbers. This is a fraud against consumer. A manipulation to make someone else pay for bills of another. 

i emailed the land lady to call washington gas more than once and she never returned my emails. 

In the nutshellmy duration at the serviced house was 2 months XX/XX/XXXX- XX/XX/XXXXi paid them XX/XX/XXXXsent them all the documentation of moveout and payment XX/XX/XXXX after harrasement phone calls. 

they sent collection agency to me XX/XX/XXXX with new establishedXXXX XXXX account number with my name listed on it. My previous account number was different.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have requested, numerous times over the last 2 years, that inquiries be removed from my credit report. My bankruptcy was discharged in XX/XX/2019 and since then I have had less than 10 legitimate inquiries, however this credit bureau shows nearly 100. Every time I try and dispute them, and explain that my identity had been stolen many years ago ( I have an FTC identity theft report ), they continuously come back " inquiries are a factual matter of record ''. 
It may be true that these companies looked at my credit but I DID NOT authorize it. Now I am attempting to purchase a home and am being told my inquiries are in the way. If the credit bureau can not provide proof ( signed agreement ) that I consented to these inquiries over the last 2 years, I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
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 found out about these fraudulent accounts and activites and inquiries when I just looked at my credit report on XX/XX/XXXX these accounts and inquiries are not mines back in XX/XX/XXXX I had lost my social security drives license and birth certificate and ever since I'm getting fraud UPGRADEINC account # that begins with XXXX with a negative balance of {$0.00} is fraud XXXX XXXX account # that begins with XXXX Balance with {$1300.00} is fraud XXXX XXXX XXXXXXXX account # that begins with XXXX Balance {$400.00} XXXX XXXX account ending XXXX is a fraudulent account Also fraudulent inquiries that are on my credit report I never authorized these inquiries XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My information was stolen from me I be having a hard time I 've been XXXX in my money I get Social Security benefits but Money 's been deducted out of my bank account which is was US Bank at that period of time and I filed a dispute on my transaction and noterized every single document but the thing was that US Bank supposed to grab me the money and when I called him the other day which was yesterday XXXX they said that that account does n't exist and they do n't see it but the thing is that you are the treasure your account with supplemental security deposit and how much money and a long. Of time when I was XXXX and I money just communicated in the account and I thought. Time when I got out of XXXX in XXXX I did file the dispute and I got granted but the thing is that you would think they would give me back my money and I 'm paying back everything back to the Social Security and now I 'm in the bed and I will secure a lot of money so I want to be able to get this information fix thank youXXXX

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 2017-03-31
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
Barclays Wyndham Visa credit card is not honoring their XXXX pt offer when I applied. Originally while on a trip to XXXX in XX/XX/XXXX a Wyndham representative indicated that I can link my XXXX account when I Apply to the Barclays Visa Credit card and I will earn points. Plus I would get XXXX bonus points after I make a certain dollar purchase on the credit card. This IS the information that I was told. I did my due diligence and I started using the card. In XX/XX/XXXX of this year I called to follow up with the missing XXXX points and I was told that it might be in the next billing cycle since I had to wait up 90 days. Well XX/XX/XXXX went as did the XX/XX/XXXX billing cycle and no points. As of today XX/XX/XXXX also no points. So I called Barclays Wyndham Visa and they told me that I was not supposed to get XXXX points. I was pretty upset to hear this and they said just look at your agreement. My contention is that a representative from XXXX who gave me the application gave me a pamphlet and verbally told me that I would get the XXXX points and pointed it out in the pamphlet. It really feels like a bait and switch deal. After calling XXXX at the Barclays Wyndham Visa card the best I got was " Do you still have that pamphlet ''. Its been 5.5 months that I 've been dealing with this and NOW I 'm asked to show proof of a pamphlet from XX/XX/XXXX. Its not like I just threw it away today that I can look through the garbage and find it. It was 5.5 months ago. I 'm asking your assistance in this matter and please have them honor what was promised.

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