BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I lodged a complaint few days back to CFPB. The case # is XXXX. I opened a checking account online with {$1000.00} as initial deposit on XXXX XXXX and made XXXX direct deposits by XXXX. The bank had advertised that if I made XXXX direct deposits it will credit my account {$200.00}. The bank has not yet deposited the amount to my account. 
I filed a complaint through CFPB and the company responded that my account did n't have a promotion code attached to the account. The problem is at the bank 's end. Their site through which I opened the account stated, accounts opened online will have the code automatically attached. I have attached the screen shot as evidence. 

What I find frustrating is, I am not the only XXXX. The bank is trying to give excuses not to give the bonus. I believe it is a fraudulent business practice.

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 2017-09-13
Company: National Credit Services, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/17 : I am writing to complain about a company who self-identified as " NCS ''. They have been calling me everyday for the last three months looking for my brother. I have asked them three times to take me off their list and told them I do n't know how to contact my brother. When I asked how they got my contact information, they refused to tell me. 

I later spoke with my grandfather, who is 94 years old, and he told me the same company called him inquiring about my brother ( his grandson ), only this time they were calling him for a " job reference ''. That is a lie. They asked him several personal questions about my brother and our family, including contact information, employment information, location information, and debt information. Thnking he was helping my brother, my grandfather gave NCS the information they requested.

I work in legal aid and sit on a statewide committee to end elder abuse. NCS knowingly took advantage of my aging grandfather, lied to him to obtain personal information he would never give otherwise, and led him to believe this was in benefit of his grandson. This alone warrants an investigation into NCS, accordingly to CA law.

Please take this complaint seriously and investigate.

I will be following up. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am one of the 140 million American whose data was exposed by the Equifax breach. In order to protect my credit and my financial future, I now have to freeze my credit with all three credit bureaus, including Equifax. As Equifax charges a fee for this freezing, they are essentially charging me for their own negligence and profiting off of this situation. I should not have to pay for this company 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: OR
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they later confirmed I was affected by per their " Potential Impact '' sit
e www.equifaxsecurity2017.com. They have put myself and millions of others at risk
of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  transferred my mortgage to XXXX XXXX despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, XXXX XXXX is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  transferred my mortgage to XXXX XXXX despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, XXXX XXXX is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.

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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-06-13
Company: EQUIFAX, 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:
DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened a Bank of America Core Checking Account pursuant to the bank 's advertised promotion, which promised a {$300.00} bonus within 60 days after meeting the following two requirements : 1 ) Open a Core Checking or Interest Checking account by XX/XX/XXXX ; and 2 ) Set up and receive qualifying direct deposits totaling {$4000.00} or more within the first 90 days of opening your new checking account. I satisfied the first requirement by opening my Core Checking account on XX/XX/XXXX. I satisfied the second requirement by way of 3 direct deposits on the following dates : {$1000.00} on XX/XX/XXXX, {$1500.00} on  XX/XX/XXXX, and {$1500.00} on XX/XX/XXXX. Those 3 direct deposits totaling {$4000.00} were made by XX/XX/XXXX -- well within 90 days of account opening. Although I satisfied all of the promotion 's requirements, Bank of America refuses to post the {$300.00} bonus. When I wrote to inquire, the Bank sent me a canned response that fabricates an additional requirement of a " promotional offer code. '' The promotion pursuant to which I opened this account did not mention any offer code, nor did the account opening application contain any blank to enter any code. I explained this to the Bank in a second letter, but received an identical canned response, with only the date and case number changed. For your reference, I attach the advertised promotion as well as my two letters to the Bank and its two canned responses. You will see that the promotional materials are silent as to any offer code.

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 2017-09-13
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My original loan amount for all three loans was {$160000.00}. I had some trouble paying regularly initially in XXXX.I paid but missed some payments and some were late. In XXXX, I set up an automatic debit from my bank of approximately $ 1700/month. I have made every payment since then on time. I currently still owe {$240000.00} and wo n't have it paid off until XXXX, if I live that long. The total amount I will have paid off, if I live long enough to pay this back will {$410000.00}. What 's more, I can not deduct any of the interest that I pay on these loans, unlike my mortgage. My loans were originally held by XXXX XXXX and I consolidated them through them but they are now owned by Navient. I was told when I consolidated them that I could only do it once. The amount of money I pay per month is a significant amount of my take home income, more than my monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Carvana Group, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, Carvana pulled my personal credit report without my permission. This " hard inquiry '' caused my credit score to drop 18 points. I called Carvana and asked them to remove the inquiry and they refused, even though they agree the credit inquiry was done in error. They stated I need to contact XXXX  to dispute the inquiry and they would support the dispute. When I contacted XXXX, they stated Carvana needs to contact them directly to remove the inquiry, that I can not dispute an inquiry. Both companies are pointing at each other, in the mean time, my credit has been significantly impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a Credit Karma Member. I have received several invitations from Credit Karma to use this service : Credit Karma Money, using your Credit Karma Visa Debit Card** gives you the chance to have purchases up to {$5000.00} reimbursed. 

Their email ( attached ) has the following Disclaimer : *NO PURCHASE NECESSARY. Sponsored by Credit Karma , LLC. Ends last day of month. Entrants must be at least age of majority & legal resident of 50 US or DC ( except XXXX XXXX XXXX residents are not eligible ). Void where prohibited. To enter, use applicable debit card or enter by mail to Credit Karma , LLC, XXXX XXXX XXXX XXXX, NC XXXX. XXXX XXXX at https : //www.creditkarma.com/lp/ik. 

**Credit Karma Visa Debit Card issued by XXXX XXXXk XXXX XXXX XXXX Member FDIC XXXX pursuant to a license from XXXX XXXX XXXX XXXX terms and conditions apply. 

***Banking services provided by XXXX XXXX XXXX XXXX XXXX XXXX FDIC XXXX Maximum balance and transfer limits apply. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Karma, and XXXX XXXX are refusing to open a account, claiming they are unable to verify my identity, and provide no process for me to provide them with what is needed for them to do so. ( see attached email and support email reply ). 

I am a member of Credit Karma, I use their services to check my credit every month. I have a registered user account under my email with them XXXX This is discriminatory action on behalf of Credit Karma, to send offer letters, but fail to provide a verification process, that they claim in house to not be able to verify to open a credit karma money account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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:
DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. 
XXXXXXXX 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 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today is XXXX XXXX, XXXX. Last week I checked online with Equifax to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with Equifax, XXXX and XXXX by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a return several months ago that led to a {$200.00} credit on my Kohl 's charge card. A written request was made by chat on XX/XX/24. I followed up after not receiving the refund for 14 days. 

I was told ( prior to my knowledge of the seven day regulation ) that the refund would be issued in 10-14 business days. After it was not processed, the only option they could offer was to re-initiate another refund request. I informed them that the 10 day refund is not aligned with federal law. I offered to go into the store and have the amount refunded to my debit card but the agent reasserted that this was a computer generated process only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: FL
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 been in school and I am still currently in school. However, XXXX XXXX has added late payments when they should have differed. Multiple times, I have asked for that to be corrected, but they continue to refuse to remove the late payments. 
I was at Florida XXXX XXXX  from XXXX for my XXXX  's, XXXX for my XXXX  's, and currently obtaining my XXXX starting XX/XX/2022. 

Furthermore, under 15 USC 1681, I never consented to share my information.

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 2022-06-13
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was acquired by BSI in XXXX of this year. I received a statement at that time telling me that my loan payment amount would not change. In XXXX I received a letter from XXXX stating that my loan payment amount would increase from {$1000.00} to {$1400.00} beginning in XXXX. The only explanation that accompanied this letter was a document showing that my PMI payment would be over {$440.00} when it had previously been {$110.00}. I have reached out to the company three times over the course of a month with no response other than them resending the same initial document. This sequence of events leads me to believe that this is a scheme on the part of BSI to defraud first-time homebuyers by significantly overcharging for mortgage insurance, which will both increase profits at their insurance company, and have the effect of increasing foreclosures which will then be covered by that insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: ProCollect, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I reached out to Procollect on XXXX regarding documents that were sent in regards to disputing the account. The rep that I spoke with informed me that no documents were received. I confirmed with the rep that I has the correct email address to send the documents. About minutes later I get an email back from a XXXX XXXX that reads " what is this? '' Clearly from the documents he could see that it was my lease agreement, renewal, and utility bill from where I reside during the time of said account. XXXX XXXX become extremely rude, irate as I tried to explain the documents. XXXX XXXX then tell me who do I think I am calling him? '' " And that I'm XXXX and XXXX  '' Many profane things were said such as my XXXX  and XXXX. XXXX XXXX is the companies XXXX. I tried calling again Monday morning to confirm if the documents were in the correct place. I was then informed that I had new rep named XXXX XXXX. I emailed XXXX XXXX to confirm that he had the documents in which I was informed that a police report was filed for personal threats made to XXXX XXXX in which no threat were made. I then asked XXXX XXXX via email if all phone calls are recorded. His response was " Stop with your ridiculous emails. '' I need this reviewed and for a resolution.

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 2017-09-13
Company: ONLINE Information Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They are saying we owe this money back from XXXX. It just appeared on my credit last year. 
I challenged it inXX/XX/XXXX with a letter requesting verification. They sent me an AR report. I replied to them that this is not evidence. I requested an actual bill for those months with the meter reading to prove for those months. 
We moved out in XX/XX/XXXX. We made payments for the last bill. 
We knew nothing of this. 
Now 3 years later they are saying we owe {$570.00}. Our electric bill has never been {$570.00}. 
We paid the final bill after we moved We paid 2 payments and then it looks like they just takes on {$570.00} out of nowhere. 
We moved out in XX/XX/XXXX and they tack this on in XX/XX/XXXX. 
I did not find out about this until last year. 3 years later. I disputed it requested to have it removed, they have not done it. 
We are moving and trying to get a mortgage for a house and this pops up again on my credit report. 
They have not been helpful They refuse to provide proof, saying the AR report is sufficient. 
I requested an actually bill that proved the meter usage. They said they do not have to provide that and this was sufficient. 
I told them that anyone can write this, it is not proof. We did not live there XXXX -XX/XX/XXXX 
And Accounts receivable report is no evidence. 
I requested a bill for those dates proving meter usage. 
They would not even negotiate or try and settle. 
And they would not remove it or even if i paid it they would not verify giving me a letter to remove it from my credit score. 
How can they not provide the bill proving the meter usage for those months. 
Which by the way, we did n't even live there Between XXXX and XXXX. 
We made the last payments from when we lived there. How can they tack on {$570.00} on it. 
It has never been that. Also common sense would say that if I was not paying my bill they would turn my power off, right??? And Again, we never received a bill for that.l once we moved out. This came out of nowhere last year. And we have been fighting them. They have been horrible, not willing to do anything. 
I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
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:
In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is XXXX

Company response to consumer: Closed with explanation