BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2020-04-22
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The only phone number I was on hold for 2and a half hours one night and it hung up on me. Then the next day I was on hold for 4hours to get disconnected. Now on day three it's a busy sound

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 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hello Manager, I have a bank of America ( BOA ) checking account, and have to keep a daily minimum balance of {$1500.00} to waiver the monthly maintenance fee ( {$12.00} ). 

I did a {$1000.00} transfer on XXXX from my BOA checking to my BOA credit card, which would lead to my checking account balance dropping to {$530.00}. ( See the attached picture 1 ). 

So I did a XXXX transfer of {$2000.00} from my XXXX XXXX checking account to my BOA checking account on XXXX, the same day, at XXXX PM EST ( See the attached picture 2 ). 

I received an email from BOA that said I sent {$2000.00} to myself and the {$2000.00} will be deposited to my checking account within 5 min ( see the attached picture 3 ). I remember I saw the available balance was {$2500.00} on XXXX XXXX in the BOA mobile App. So I was very happy that I brought my checking balance back to above the minimum {$1500.00}. 

However, when I saw the BOA statement ( see attached statement ), I find that the statement showed a monthly maintenance fee that was due to a daily balance below {$1500.00} between XXXX XXXX to XXXX XXXX. According to the statement, the {$2000.00} was posted on XXXX XXXX ( Monday ). 

I didn't know there would be a delay in the post of the {$2000.00} transfer in the BOA system. No matter the email from BOA or the mobile app had shown to me that the balance was successfully brought back to above {$1500.00} on XXXX. 

Actually, the BOA did receive my {$2000.00} on XXXX XXXX, so I think I don't have anything wrong. I don't know how the BOA clear the transactions, but during the days from XXXX XXXX to XXXX XXXX, I can only trust the email from BOA on XXXX XXXX and the showing balance in the mobile App. 

In summary, I believe I have met the BOA requirement of a daily {$1500.00} balance to waiver the monthly maintenance fee ( {$12.00} ). I talked to the representatives twice today, and none of them can help to refund the {$12.00} to my account. I hope the BOA can refund the {$12.00} and fix the problem in the system.

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 2020-04-22
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the Fall of XXXX, I received a letter from NewRez Mortgage / Shellpoint Mortgage Servicing in the Fall of XXXX indicating that I do not have home insurance and I will begin to pay for the lender-placed policy. I followed the instructions they sent to upload my policy information. 

In XX/XX/XXXX, I received a letter notifying me of my new payment amount because escrow is being set up on my behalf although I have always paid my own taxes and insurance. I sent an email to NewRez on XX/XX/XXXX reminding them that I pay my own taxes and insurance and to please update my account. 

In XX/XX/XXXX, I received a letter stating that my payment was past due. I called on XX/XX/XXXX and explained my situation to the rep. He acknowledged that he sees on my account that I am and have always been current with my payments and he saw that I pay my own taxes and insurance. He assured me that he would get the records corrected so that I would no longer receive these letters. 

On XX/XX/XXXX, I received a letter about my missed payments and the credit bureaus have been notified about my late payments. A hardship package was also enclosed. I checked my bank account to confirm that my last few payments went out. I tried contacting the mortgage company but have not been able to get through due to " high volume of calls due to Covid-19 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent {$900.00} on XX/XX/2021 to my brother on PayPal to be used for a XXXX gift. The transaction has been in pending status for XXXX and a half weeks. My brother and I have reached out to PayPal several times. 

When I try to reach out via the customer service online messaging system, all I get is a generic answer saying some transactions take longer to review. I never get a timeline, never get an explanation what they are even actually reviewing. 

Finally after reaching out via the in app messaging system for 2 weeks they gave us an email address, XXXX, and said that we could get the status by emailing them there. I sent a total of 3 separate emails and did not even get a response I have tried calling the customer service line and it is only an automated voice messaging system. It asks what youre calling about and then loops you in circles when you answer. I could not get a human on the phone In summary I have tried messaging, emailing, and calling PayPal, but have not been given a timeline or explanation for why my money is still pending. They have been essentially frozen my money during the holiday period for XXXX weeks and will not even give me an explanation or timeline for when it will be available

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
State: GA
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 have a fraudulent account reporting onto my credit report. I have pointed this out to XXXX, XXXX, and Experian. XXXX  and XXXX has resolved the issue. The results from XXXX has came back as deleted but Experian has not resolved the issue. I have sent Experian several FTC reports and several lettersXXXXExperian has ignored all letters and FTC reports. Every time I call Experian, they tell me that they did not receive my FTC report, with is a lie because I sent my letters certified mail. My certified mail shows me that they have received all of my letters. Experian has violated several of my rights and they have not taken my situation seriously. I have not receive any results from them. They have not responded to any of my letters at all. I have not receive any letters from them in the mail.

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 2021-12-16
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018 fed lon serv is reporting my payment is late it was on forbearance. I talked to a manger of the company they insured me I do not owe right now. because it is on forbearance but will owe later when it comes of forbearance but it was still marked late. this is XXXX  me now because I am trying to get a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card
Issue: Billing disputes

Complaint:
I am writing to assert a formal Complaint against American Express and XXXX. I have spent hours attempting to obtain a refund from XXXX 's and American Express for a defective pet hair dryer. Clearly, XXXX 's practices violates the mandates of the CFPB, State law and federal law. Moreover, American Express refuses to eliminate this charge from my credit card balance and simply sends form letters with no value or substance, other than issuing a partial credit. Specifically, American Express has refused to honor their warranty provisions of their credit card Agreement in connection with my purchase of a XXXX XXXX XXXX. First, the XXXX XXXX XXXX was supposed to provide some level of warmth to the air it emits. In fact, according to ( the manufacturer 's ) marketing material on the XXXX, they represent : Great XXXX for small and large dogs XXXX speeds, XXXX temperatures 1. XXXX TEMPERATURES In the case of the subject XXXX, there were not XXXX temperatures. There was XXXX and it was room temperature, even after XXXX hour of operation, which was more than adequate for the unit 's motor to generate heat. Second, while safety of the pet is of paramount concern, it would be redundant for the XXXX to have " XXXX temperatures '' if XXXX of the temperatures was not, at some point in operation, warmer than the other. This representation was materially false. 

2. XXXX The XXXX was represented to be a " XXXX '' in the advertising materials, meaning that a " XXXX '' generates blown air and velocity and a " XXXX '' does just that .... it dries. However, since the subject XXXX was defective and would not warm to any level beyond room temperature, it would not function as a " XXXX, '' as represented. This was a material misrepresentation under UCC Section 2-315, the Uniform Consumer Credit Code and applicable State and Federal law. 

3. SIZE OF THE DOG AND SIZE OF THE XXXX In Groomer 's and XXXX XXXX XXXX 's marketing materials, the unit was supposed to be a " great XXXX for " small and large dogs. '' The dogs on whom the unit was used were small to medium sized, XXXX at XXXX pounds and XXXX at XXXX pounds. Neither have long hair. 
This unit would have been ineffective on the smallest of dogs. 
RETURN POLICY : XXXX 's has referenced a " return '' policy. This policy presupposes that they did not sell a defective product. XXXX 's Mall did sell a defective product and relying upon a self-serving return policy will not exonerate XXXX 's Mall or XXXX XXXX XXXX from violating federal or state law. 

It is my expectation that I receive a full and immediate credit on my American Express within 5 days of the date of this complaint. In addition, I recommend that the CFPB further investigate XXXX 's practices based upon their false advertising and illegal business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX -- Previous complaint number. 
XX/XX/XXXX Mortgage company explained that I would receive only {$240.00} even though my Escrow was XXXX, but that the following year, in XXXX of XXXX, I would receive a much larger amount. 
XX/XX/XXXX Escrow refund was issued for {$5600.00}. 
XX/XX/XXXX Mortgage company advised check sent. 
XX/XX/XXXX Called to advise haven't received check. Advised to give it 15-20 business days to receive. 
XX/XX/XXXX Called to advise still not received.They will look into it and call me back. No return call. 
XX/XX/XXXX call and advised still no check. I need it resent ASAP. We will send your request to Escrow, it will take 15-20 business days for them to research. 
Holidays came went still nothing and frankly exhausted with this situation. 
Fell off my radar but still no check. 
XX/XX/XXXX I received escrow statement and they paid {$3900.00} to someone else tax bill and have increase my mortgage over {$250.00} a month due to their error! 
XX/XX/XXXX I still have not received the check and I have again reported it lost and they still have not resent. Asked me to check back in 15- 20 business days for update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: MD
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:
I have been trying to fix my own credit I have contacted each bureau multiple times Experian XXXX XXXX and I have sent my own dispute letters and I have never received a letter back as to why this was on my report its been longer then thirty days I just dont understand I was told that if its been longer then thirty days the item has to be removed it has not been verified

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 2022-05-02
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A - States I have the right to privacy 15 U.S.C. 1681 604 A - It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A - States I have the right to privacy 15 U.S.C. 1681 604 A - It also states a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC VIOLATONS ATTACHED AND CASE PERTAINING TO MY CASE The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XX/XX/XXXX - In XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has SOME ARE HIPPA VIOLATIONS

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 2021-12-16
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a citi bank priority account because of the sign up bonus at my local branch. The banker assisted us and verbally told us that u deposit XXXX in the account within 90 days and maintain at least XXXX for the next 3 months you will get XXXX bonus. The banker even watched us deposit the first huge chunk of cash to this new opened account. 6 months after I contacted Citibank regarding to this bonus. First agent told us it will hit in my account within 2 days, and yet nothing after waiting. Tried to contact them again and then the agent told us cash deposits dont count. Well the banker is your employee. If cash deposits dont count why would he watch us deposit the money. And also, why he didnt explain or at least point out this method doesnt count. 
My money was stuck in this for 6 months for nothing while Citibank can use my money to generate more interests and profits? 
This is totally a scam. I even did research to see if this only happened to me but I saw many people got the same issues too until they have to go through this step. 
This is annoying why did I even bother to open this account and put my money in and not able to use them for 6 months without getting the bonus. 
I get it if I didnt read the term if I did thing promotion online. But we were at the branch and trusted your employee!

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 2022-05-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
15 U.S. Code 1681a - Definitions ; rules of construction. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Accounts : ( XXXX ) US DEPT OF EDU XXXX ( XXXX ) US DEPT OF EDU XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX As the investigation has exceeded 30 days. This a direct violation of the FCRA. Which I have proof through you all stating they have completed the investigation.

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 2022-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I paid {$580.00} to pay off a credit card balance. BANK OF AMERICA BILLED ME 4 TIMES. YES, 4 TIMES {$580.00} I have tried since day XXXX of the problem to contact and resolve the matter. They are non-respondent. XXXX Bank to say the least!!! They refuse and will not show proof they refunded the {$580.00} 3 times as they legally should have. Instead, they ignore me and will not do their job ethically. I ONLY OWED {$580.00} XXXX TIME NOT 4 TIMES!!!! I AM TIRED OF THEM STEALING MONEY FROM MY BANK ACCOUNT.

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have been trying to fix my own credit I have contacted each bureau multiple times XXXX XXXX transuion and I have sent my own dispute letters and I have never received a letter back as to why this was on my report its been longer then thirty days I just dont understand I was told that if its been longer then thirty days the item has to be removed it has not been verified

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