BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Regions has twice not honored Bill Pay checks with a specific delivery date. This has dropped my credit score and now shows up as a late payment on my record although the arrangement was made up to two weeks in advance. In one month I was charged {$39.00} for XXXX XXXX ( normally a monthly fee of {$9.00} ) and was told I need to go through a formal dispute to correct it. Disputes require information to be faxed ( who has time for that? ), and take ten days to be reviewed. If you are lucky at the end of 16 days you 'll get a letter stating what happened. Why should I have to go through this? 

There have been multiple times where bank errors have caused overdrafts and the bank has refused to refund the fees, even going as far as to charge me {$35.00} for EVERY single transaction that posts after the account is over drafted. Once I swiped my card for items on a Saturday that did not clear on my account until the next Wednesday. Once the transactions cleared my account was {$4.00} short. I was charged {$140.00} in overdraft fees. Normal banks process transactions within 3 days of purchase. Regions processes them whenever they feel like it. 

I have even had a banker call me repeatedly at work the day I received a tax refund to offer me all types of credit cards, after generously telling me how much money was in my account. This is very invasive and I am upset that someone monitors my account to that extent. The list goes on and on. This is hands down the worse bank I have ever been a customer at.

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 2021-03-17
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I met this guy in XXXX named XXXX. 
We talked for a minute about selling shoes to each other. He seemed pretty legit. He sends me pictures of shoes he can send to me. 
I end up sending him two separate payments for two pairs of XXXX XXXX XXXX XXXX on Cash App. Its been over a month now. I havent received anything. He still responds to text but never answers the phone. He tells me his accounts are frozen : XXXX, XXXX XXXX, XXXX, & Cash App. He sent me a picture of his XXXX XXXX  account. It was in the negative. I definitely can confirm that he is a scammer. He has recently told me that his job only pays him in cash and he has no way to send me a refund. 
Ive requested a refund already and contacted Cash App support. Cash App supports says there is nothing they can do. 

Two separate payments were made : 1. ) Date : XX/XX/2021 2. ) Payment Amount : {$390.00} 3. ) $ XXXX : $ XXXX 4. ) Reason you are disputing the transaction : Fraud/Scam, Never Sent Shoes. Never Been Refunded. 

1. ) Date : XX/XX/2021 2. ) Payment : {$300.00} XXXX. ) $ XXXX : $ XXXX 4. ) Reason you are disputing the transaction : Fraud/Scam, Never Sent Shoes. Never Been Refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Consumer disputed a claim on Experian report submitted by XXXX XXXX XXXX. Consumer requested validation of information to be made and for Experian to conduct and investigation. Experian responded to consumer 's request for investigation without proper validation per FCRA law. Experian has not provided sufficient proof or information sufficient to validate this claim per FCRA. ( a ) The name of the creditor ;, b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute.There is NO address, name or personal information to substantiate this claim yet Experian continues to report this as belonging to consumer. This reporting by Experian, after consumer requested information is in violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). Experian has violated FCRA law and consumer is entitled to recieve damages in the amount of {$1000.00} per violation. Consumer is entitled to punitive damages under 1681n of the FCRA due to Experian 's negligence, and willful noncompliance Consumer was denied credit for mortgage. Mortgage lender identified this one account wrongfully attached to consumer 's Experian report as the reason for denial. This false claim by XXXX XXXX XXXX does not appear on other CRA reports of XXXX and XXXX. XXXX XXXX XXXX has a complaint filed with CFPB and has failed to respond to CFPB since XXXX XXXX, 2016. XXXX XXXX XXXX has altogether failed to respond to consumer 's multiple written request for validation sent by Certified mail. Experian has altogether failed to conduct a proper investigation per FDCA to validate this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed on XX/XX/21 for what they said was a suspicious XXXX payment credited to my account. I have been on the phone everyday with them since for hours trying to get this all sorted out and chatting in. They say i wont get my money until may and they wont give me any funds. This is absolutely ridiculous. How am i supposed to live without my money? This is criminal. I need my funds released to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I currently work for an XXXX. Months ago my card was hacked and it took almost two months for regions to rectify the situation. They sent me letters that miscalculated the costs which led me to believe they had not returned all the funds. In fact they had but their " specialist '' did not do his math calculation correctly. 

Thats right, an employee of a bank did n't add correctly. It gets worse. 

Now, as they send me a new card they stated in their letter that the pin of the card would stay the same. That did not happen. I tried to access my account with the new ATM card and it was denied. I call them up from XXXX and when I get to a person on the phone, probably a call center, the person on the phone informs me that XXXX has been " blacklisted '' by the United States government. He said that mean while I was living and working in XXXX I would never be able to access the card. I had to leave XXXX for it work. I was shocked because friends who work at the US Embassy and other friends had not heard of this. 

Why have they not heard of it? Because it was n't true!! 

The man straight lied or got misinformed by someone else saying the USG blacklisted XXXX. I called them back after checking the news to make sure I this man was inaccurate in saying that. I request a supervisor this time, someone who works at Regions directly, perhaps the previous man did not. I explain to her the situation and inform her of past information given to me. She apologizes and informs me I have to wait 5-7 business days for a letter that has my new pin # in it. 

So my complaint is based on important facts. Regions employees did not add the math correctly in the XXXX 2017 falsified transactions. Additionally, when it came time for me to access the card and my pin was rejected the person I contacted told me XXXX was " blacklisted '' by the United States government. That is a total and complete lie given to me about not accessing my money in Regions bank and it was the spread of misinformation which is not only complaint worthy, it is also worthy of legal proceedings against Regional Financial Corporation.

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 2022-09-21
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the fair credit Reporting act XXXX # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I entered into a 48 month lease with Ally Bank 6 months ago. I am now selling the vehicle to a 3rd party consumer. I am not buying the vehicle myself or trading into a dealership, I am selling it private party. Ally Bank says I am responsible for the sales tax, which is not correct. The person buying the vehicle is responsible for the sales tax. I had this problem with XXXX and had to have the CFPB step in to get it rectified.

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 2015-06-23
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Today I was charged {$210.00} in overdraft fees on my checking account ending in XXXX at Regions Bank. Regions Bank is an XXXX Company with facilities in XXXX where I live. I had a {$75.00} ACH withdrawal from a financial services company go through yesterday along with a bunch of pending transactions from this weekend. Because the {$75.00} funds were taking out first I have been charged overdraft fees on a bunch of smaller transactions. I spoke with someone from Regions and they informed that it is Regions policy to take out larger amounts first and then smaller amounts. Their justification for this was that " we wan na make sure your bills get paid so we take out the larger amounts first. '' I am not sure that this is a defensible position. Regions had made an arbitrary decision on what order to process their transactions in. It seems to me that Regions should be processing pending transactions for low balance accounts in the order that results in the lowest amount of overdraft fees for their customers. But even if Regions does n't want to take that position, which would be most favorable to their customers, then the transactions should at least be processed in the order that they were made. Had all of the smaller transactions gone through first and then the XXXX XXXX debit, I would only have been charged XXXX overdraft fee. The Regions representative I spoke with informed that I am not eligible to have these funds refunded because I have already had a refund of overdraft fees on this account. I am not requesting a refund of ALL overdraft fees, I am just requesting that the transactions be posted to the account in the order in which they were made. This would result in me only being charged for XXXX overdraft fee. I have done some research and it appears that this process of " reordering '' is happening throughout the banking industry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: BANK OF THE WEST
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, 2015, I was overcharged for a vehicle that I purchased from XXXX in XXXX, IL. The retail order invoice from the dealer indicates that the dealer charged me {$20000.00} as the base price of the car ( before additional services were added ). This contradicts ( a ) the price of {$18000.00} that appeared on the sticker of the car at the time of purchase, ( b ) the price of {$18000.00} which the dealer verbally described to me, and ( c ) the {$18000.00} MSRP of the exact vehicle as previously listed on a website linked to the dealer. Documentation is submitted with this complaint in the form of a cache of a web page linked to the dealer where the exact VIN of the vehicle in question has an MSRP listed at {$18000.00}. 

I received a loan for this purchase through Bank of the West. 

There may be additional problems with the sale. On the retail order invoice, the dealer claims to have given me {$890.00} in rebates ; however, on the invoice itself, these rebates do not appear to have been actually factored in. The dealer told me recently that a " military discount '' that I was promised would now be revoked since I refinanced the vehicle through a different lender ( XXXX XXXX ). 

Additionally, the dealer added services on the vehicle which I do not remember requesting. In question is a charge of {$2100.00} appears on the invoice for a service called " XXXX '' Additionally, I do not recall agreeing to " XXXX XXXX '' for {$390.00}. 

The dealer is refusing to reimburse me for any of the disputed charges. In fact, when I made a visit to the dealer in early XXXX 2015 to express my concerns, the lead sales representative there told me " This is how we do business in America, '' in obvious reference to my accent ; I am a native of XXXX. I was also contacted by a sales representative who apologized about the mistaken price of the car but did not offer to reimburse me. 

I visited with a XXXX legal assistance office on XXXX XXXX. The XXXX legal assistance office contacted the dealer twice in an attempt to resolve the issue. On both occasions, the dealer sounded defensive. The dealer has promised that a " corporate lawyer '' or " XXXX '' would contact office of XXXX legal assistance. To date, neither the XXXX or any lawyers have contacted XXXX legal assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America did not disclose their selling my mortgage to XXXX XXXX. And the forbearance was affected by their undisclosed sale. By making me pay a lump sum at the end of the forbearance instead of at the end of the loan, you guys are all in on this scam designed to capture peoples homes. Despicable! 

The banking crisis which they themselves created Is screwing me out if a refi despite huge equity and great credit. Theyve got me where they want me with your help. 

I cant make the taxes work for income for a traditional loan. 
I have a few emails out to see if there is an interest with a few non-conforming lenders that would be in a position to offer a good rate. I expect to hear back mid-week. 
The great banking melt down of 2008 killed programs that were based on credit and equity. 
Ill let you know if I find something attractive.

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 2016-07-27
Company: RoundPoint Mortgage Servicing LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to a different lender, who collect my payments such principal interest, and homeowners. As soon as we got a letter from that company we decided to paid our own insurance and cancel the scrow account. That was in XXXX 2016. They has been given us the round around. First we got to proof we were paying insurance and my husband is tax exempt, which we already done that and not luck. Please help

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 2022-04-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX submitting this complaint against Experian and there is no third party involved. 

I demand Experian to provide me a copy of my written consent and written instructions to furnish these fraudulent and inaccurate said accounts. 

Collection Acct XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} Inquiry - XXXX XXXX  XXXX XX/XX/XXXX Inquiry - XXXX XXXX XX/XX/XXXX Also provide me with Experian 's Verification method to " verify '' said accounts. 

In accordance with the FCRA Experian has violated my rights. 15 USC 1681 section 602 states I have a RIGHT TO PRIVACY. Also 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

Delete these accounts immediately.

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is regarding a hard inquiry : XXXX XXXX XXXX on XX/XX/2021. 

Their investigation and re-investigation did not prove to me of my consent to run a hard inquiry on my background or credit. I tried and tried but TransUnion provided me with no concrete proof that it was authorize by me. I will take accountability for it when I know it was authorized by me but this is not one was not by me. I need this to remove off 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 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted Transunion on 4 occasions and sent in all documents requested to remove the in accurate incorrect Bankruptcy on my file, I have not gotten back any information from them I've called now for the 5th time in 5 months and still haven't received any resolution to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CURO Intermediate Holdings
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To my surprise this loan was taken out on XX/XX/2017. 2 days later my bank canceled my debit card due to it being compromised. I found out about this loan by a payment being taken out of my account. I contacted XXXX XXXX and they were not understanding that I did not take out this loan. I ended up having to close my account to stop the payments. I thought that would be the end of this. However now I see it on my credit report for {$2100.00}. I cant remember the initial amount. I think it was only for a couple XXXX dollars. Clearly my identity was stolen. I caught it early and this was the only thing they were able to get. Now its affecting my credit. I 100 % did not take out any type of payday loan. They cant even provide me a loan number or any other information regarding this loan.

Company response to consumer: Closed with explanation