BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
First of all, none of the provided categories fit my specific situation so I picked the closet possible choices but my issue is actually about a sign up bonus for opening a business checking account at US Bank. 

It's a bit of a long story so I will try to accurately describe the situation while keeping it concise and easy to follow. 

I opened a business checking account ( as sole proprietorship/a DBA ) based on a promo offer some time in early XX/XX/XXXX ( promo was a {$300.00} bonus after depositing {$3000.00} within 30 days etc. ). Here is an example of their current offer : https : //www.usbank.com/splash/business-checking/online-banking-bonus.html # : ~ : text=Earn % 20your % 20 % 24300 % 20Business % 20Checking, and % 207 % 2F29 % 2F2022. ( note that promos like this change from time to time so mine was slightly different from this one ). 

Anyhow, when I tried to transfer money from an external checking account to US Bank checking to meet the minimum balance requirement for this promo, I ran into roadblocks ; for some reasons I couldn't do it online via the online portal. I reached out to customer service email, who responded with an explanation and some instructions etc. but it didn't resolve my issue when I followed their advice. I then called US Bank and spoke to a nice gentleman, who explained why I was having the issue and advised me to use XXXX. 

He was showing me step by step on how to use XXXX and together we successfully had the money sent from my external checking account to US Bank via XXXX. I considered I met the minimum balance for the promo and moved on with my life. 

Months later when I didn't see a bonus hitting the account, in XX/XX/XXXX, I decided to reach out to US Bank customer service first via email then made phone calls. Basically I learned that XXXX is not a qualifying deposit as the terms of the promo said new money deposits have to be Direct, Mobile, ACH or Wires and XXXX is not a deposit or they can not accept a XXXX transfer as new fund ; hence, no bonus for me. 

I was really frustrated because besides the fact that I didn't get my bonus, I also got different explanations every time I spoke to their reps. Each rep gave a different reason as to why I couldn't do a deposit online ( which would have been ACH - a qualifying deposit ), which led to the use of XXXX ( which was their advice ) and because of that I didn't meet the bonus requirement. 

Some reps show no empathy such as a banker at a local brand said " well you could have done a wire or direct deposit, it's not that hard. You didn't have to use XXXX ''. 

I will attach copies of my correspondences to their online customer service.

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 2022-03-18
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a US Bank XXXXXXXX XXXX card on XX/XX/2022. In less than a month US Bank closed my account without letting me know in advance or giving any explanation. I figured out the card is closed after multiple payments did not go through. I called US Bank customer service multiple times and one of the representatives finally told me that " I'm a risky customer '' and that's why they closed the account. I asked if they can reopen the account, representative said " in theory yes we can reopen the account, but are we going to reopen it? No, we will not! '' Note that, this closure has nothing to do with nonpayment as my first bill 's due date is at the beginning of XX/XX/2022. No other explanation is given. This is an extremely unprofessional way to conduct a business, an individual 's risk profile can not change in less than a month. I had no significant changes in my credit score etc.

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 2021-08-27
Company: EQUIFAX, INC.
State: DC
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
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 submitted letters to Equifax, XXXX  and XXXX  informing them of inaccurate information being reported on my credit reports. I submitted a letter from the furnisher stating they did not verify the information that is being reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The government approved loan forgiveness until XXXX. However, Navient does not apply to this forgiveness apparently. Around the same time my payments got recharged, my family member was having a life-threatening XXXX. They would not remove the late fees. I also explained my own personal health conditions and offered to send in documentation. They said they have rules that need to be upheld and the fees can't be removed. Customer service representative and a supposed supervisor said no exceptions can be made regarding late fees regardless of the severity of the circumstance, even if there is a death in the family. I've heard other people with out-of the ordinary situations where they miss a payment. Credit card companies and other loan companies will make exceptions for understandable " life happens '' situations every once in a while ; but not this company. They have no basic human decency and their customer service representatives are very demeaning and rude. Very unethical business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: FL
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:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
American Express has effectively moved US based accounts to XXXX with no notification to customers. The way this has been effected is, the AMEX site ( s ) will show the country where the site is based. In this case it is XXXX. There is a button to change countries -- however, that button is unusable. 

This problem came to my attention when I attempted to get a problem corrected on the AMEX web site where a customer must logon. I needed to get information about my credit card activity for the prior year for tax purposes. We have been doing this for the past several years, which helps us in getting our biz and personal US taxes filed. We found that the extended data downloads fail. We reported this and found that we were talking with people in XXXX ( via the AMEX site, more to this later ), and since it was the weekend, OK. 

The problem is it takes a while to get them to understand the issue you have, they need to go through all this " security '' questioning, etc. to finally realize you are reporting something broken. So a few days later you are called back to be told it is being worked on. This lead me to contact them again last night ( XXXX XX/XX/2017 @ about XXXX US Eastern ). So we get to do all the same diagnostics before they actually listen and find out we have an open ticket for this. 

Today, XXXX XX/XX/2017, I was trying to find the right location to contact AMEX about this. In the past, I could report such things and get them addressed quite rapidly. No longer. The ONLY contact points I am offered are in XXXX. This means that AMEX has off-shored their business from the USofA to XXXX with no notification to customers ( I was n't told ). 

This leaves this question : Can AMEX present themselves as being a US operating company, while having NO US based employees, or operations other than mail drops and locations to send bills from? That is, they have off-shored all but their top management, and pretend to be a US operation. It seems to me that there is a violation of regulations, or an attempt to avoid law/regulations for CC and banking by offshoring their banking and operations to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an item on my credit report that I am unclear on. It is showing that the creditor is LoanMe and is reporting as a charge-off with a balance of {$0.00}. I disputed this account with the 3 major credit bureaus, XXXX, XXXX, and XXXX. I requested on various occasions that they investigate the item and provide me with details of their investigation. To date, I have never received a response from these bureaus, so I am still not clear as to what this item is. I decided to send dispute letters directly to LoanMe. My first letter to them was dated XX/XX/XXXX and I asked to see the following items : * The complete original alleged promissory note that shows my signature * The account transaction history * Any required default or acceleration notices * The notice of sale document * The Calculation of Surplus or Deficiency letter * Any additional finance contracts including those related to insurance or finance products * The buyers guide * The purchase order * Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note I did not received any of these items. I received a response on XX/XX/XXXX and XX/XX/XXXX saying they did not conduct an investigation as they said they can not assist with the resolution. They stated XXXX XXXX XXXX is claiming to now own the debt and LoanMe can not assist with any resolution. Therefore the account can not be verified as accurate reporting since it is still reporting as Loan Me Inc. This is my second time attempting to dispute this account as the CFPB has sent me a letter trying to also stall the removal of this account reporting on my report. I will submit my email address along with this complaint as requested by the CFPB. Please ensure this account is expeditiously removed from my report as it continues to damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX SSN : XXXX XXXX XXXX XXXX Regarding : My Experian file : XXXX According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you. I am asking for the following accounts to be verified or removed immediately. XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX.

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 2016-01-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Debt was taken out in XXXX XXXX paid on the debit from XXXX till XXXX without ever missing a payemt, now that I have stopped paying on the debt the loan was sold off, I do n't think I owe the debt any longer due to I 've paid the XXXX back with intrest and then some. 

In XXXX a class action lawsuite was broght against the companty the loan was taken out with due to unlaw pratice and how they posted your maoney against the loan. 

Now I 'm being sued by some other comapny I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

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 2015-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am not liable for this debt due to XXXX Statue of limitation of 4 years from the date of last known payment and they are still harassing me. 

How do I get them to stop and erase thus form my credit history! 
Thank you so much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: MD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-18
Company: EQUIFAX, INC.
State: MD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have private students loans with Navient that are now in default. Over the last few years I have experienced financial hardship. In addition to this, I have tried numerous times to arrange and lower my payments with this company. Instead, I have received threats over the phone, with representatives saying that I will be taken to court, have my wages garnished, and that I am irresponsible. Whenever I call to try to come up with an arrangement these are the responses that I receive. I have grown frustrated and tired of these threats and the inability to work out a plan. I have told numerous representatives what I can pay at this time, but they are still not willing to work with me. I have received numerous calls from other states on a daily basis from New Jersey, XXXX DC, Indiana, Florida, and Texas. It has been a nightmare dealing with this company, and have told family and friends to stay away from this company. I would like to have some type of resolution to this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To whom it may concern : I have noticed unauthorized inquiries on my credit report. I am in the process of cleaning up my credit due to get a new home for my family. These new inquiries is hurting my score and impacting my approval for my new home. It's ruining my reputation and I am just a hardworking individual trying to better my life and keep my credit in order.

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 2020-03-11
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have tried to file for forbearance 4 times and it is going ignored by the servicer. I have tried emailing them and I get no reply. All I continue to get is threatening letters and negative marks on my credit report. I cant afford the payments and they are doing absolutely nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
i have had an AMEX account since 1973. I mailed a check to American Express on Monday, as of Friday the check had not been cashed. I called to find out if was in process. They said they had not received it, claiming it was a problem with the mail service. This morning, Saturday, I received an email from AMEX saying the check was received. Later this morning I received another email for AMEX say the account is past due, warning me that the account may be suspended. I called the phone number to find what was going on. The person I talked to blamed issue on the mail service. The payment location is in XXXX, I 'm XXXX. I told him I think the problem is with their processing center. It 's not my fault that their center is not adequately staffed. Short story I canceled my account. Also I think the staffing is inadequate to help them charge fees and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Sarma
State: TX
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:
I have a collection with SARMA -account # XXXX totaling {$9900.00} from XX/XX/XXXX. The original creditor ( XXXX ) and myself came to an agreement and they took back the debt and closed the account. On XX/XX/XXXX XXXX removed this collection from my credit report but XXXX did not. It stills shows as open. I need SARMA to contact all XXXX credit bureaus and remove the collection from my credit report asap. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Midlands called me to collect an old debt on my cell phone. I asked them to not call me anymore. Three days later, the company started calling me at my job and also gave information about the debt to my boss and other coworkers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NJ
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 ( 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