BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
First of all, none of the question I selected before explains what Im experiencing. I will need to go into details for you, it's lengthy. This is to the Pre-paid XXXXXXXX XXXX  card. 
I was a victim of theft in XX/XX/XXXX, my card was frozen without any communication from the institution. After trying to use my card the weekend of XX/XX/XXXX, B of A froze my account so, I proceeded to a B of A branch. That weekend was my first time accessing my prepaid on line account. Upon doing that I was able to see charges in XX/XX/XXXX which I didn't make. Keep in mind, I have in my possession the same card from XXXX so when XXXX reloaded funds, the thief who had my information, cleared out my account of remaining funds. I filed 2 claims, the first one was {$190.00} second one was {$1300.00}. the claim for {$190.00} was paid with no problem however the second one wasn't. I called and asked them why. Some excuse was given and it was suggested by B of A representative to file a police report. Which I completed before the call and was currently waiting on a copy to present to the business. I received all faxing and mailing information for B of A. Since XX/XX/XXXX I have faxed copies of the police report 12 different times!!!!! I EVEN FAXED FROM A B of A BRANCH. I have called everyday for a month, and there is still no signs of any of my faxes as of today. On the XX/XX/XXXX I mailed it using 2-Day service to the claims department in AZ, still they do not see any of my forms. XXXX, XXXX XXXX XXXX, XXXX XXXX. I've asked for a phone number or an email to anyone in the Claims Department and none of the 17 representatives I spoke with could get me any farther than a fax # or address. This is XXXX believable, don't you think so? I feel the corruption is coming from within. Why this issues can't be resolved as quickly as the 1st 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 2017-07-19
Company: ALLY FINANCIAL INC.
State: AR
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:
I applied for car loan online and 10 companies did hard inquiry without my permission

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 2015-05-19
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed the issue with the company. However, I have not received any correspondence. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Prestige '' XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX* Balance : {$570.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: POPULAR BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I got a flyer form Popular Community Bank of XXXX, XXXX XXXX saying if I open a savings account and deposit {$1000.00} I will get {$100.00} bunus if I keep the account open for XXXX month. ( I have the flyer ) I opened an account with Popular Community Bank ( XXXX XXXX ) located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on XXXX XXXX, 2014 as required in the flyer. I deposited a total of {$1100.00} in form of XXXX deposits XXXX for {$1000.00} and another for {$100.00} at the same time. I have the deposit receipts. After XXXX months they failed to credit my account for {$100.00} bonus. I visited the branch of XXXX since they have taken over all branches from Popular, they refused to honor the bonus. I called Popular and they said to contact XXXX. I am being stonewalled by both the banks. I am filing this complaint to see if they have done the same thing to other people. I am more interested in seeing that this kind of unethical behavior is exposed and corrected. XXXXEmail : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-17
Company: Certegy Holdings, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
Twice I've tried to cash checks at XXXX. Reasons for denial is never explained. XXXX uses Certegy Check Services. After contacting Certegy, which is the number XXXX gave me. I received a letter stating declined and accepted checks cashed but no reason of why the declined. I have letter. No where on it does it state why they reported negative against me. In fact it says No information on file.

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 2020-01-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the last week of XX/XX/2019 Sps Servicing XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX www.spservicing ) acknowledged and received documentation of my representation of legal counsel that my loan XXXX :XXXX XXXX XXXX XXXX NY XXXX was in que to be refinanced with XXXX  XXXX XXXX XXXX XXXX NY XXXX 
As of today XX/XX/XXXX they have not provided the documentation and as of Monday the didn't even have the documentation, I called the settlement agency company and forwarded it to them. Counsel has told me they are looking at 90 - 120 days to confirm this will costing me over 5000 in interest expenses if they even proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Made payments to kohl 's credit card through my Bank under XXXX. Kohl 's keeps calling me and emails me that I owe for charges on line/in store purchases. The payments were made but they have yet to give me credit for my bill paid in full. My Bank has faxed the info needed by kohl 's but I have yet to hear anything from them other than they ask when I am going to make a payment. They have now charged me late fees and interest on payments I have already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have fil ed two disp utes to update the following informati on one  on  X/X/17    and one on  X/XX/17    - nothing has been done. Please see below as this is the information that was sent to the bureaus.  <P/> The following account needs to be UPDATED AND CORRECTED : Creditor Name :  XXXX  Account Number :  XXXX  The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected.    XXXX  bureaus are reporting  an Open statu s, while while the other is reporting as derogatory, this is inaccurate this mortgage is  OPEN and ne eds to be reflected as such. My monthly mortgage payment is incorrect on all three reports and should reflect a monthly payment amount of {$1900.00}.  XXXX  bureau is reporting no term which should reflect 360 months. The payment status is incorrect on Experian and should show a payment status of current. The dates being reported as last active are all inconsistent.   This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.

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 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Tried deleting inquiries on XXXX over the phone. They denied my request.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: AZ
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:
To whom it may concern, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. 

I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement.

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 2017-02-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is not correct I do not have any of this issue. I need this taking off my record DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: TN
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 Report Act XXXX  account XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXXXXXX Accounts # s XXXX, XXXX and XXXX has been 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 an 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 non-monetary relief
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted numerous requests about deleting incorrect information on my credit file yet this company HAS NOT DELETED IT .... i wrote the courts in which they say THEY DO NOT SPEAK WITH CREDIT BUREAUS ... XXXX  says they verified this as mine thru the courts .. now today i receive a report saying they verified thru third party XXXX XXXX .... yet XXXX XXXX has been suppressed for over a year so how could this be an accurate..

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 2015-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am being contacted continually by 5th 3rd Bank at my place of employment via robocalls that are tying up my business phone line and filling my voicemail box. These calls are being initiated bu their collections department. I am not a 5th 3rd customer, not have I ever been. I have contacted 5th 3rd multiple times to inform them of this and to have the number removed from their system, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card
Issue: Rewards

Complaint:
I signed up for a credit card offer I received in an email on XX/XX/2017. The offer stated that the American Express XXXX came with XXXX bonus miles as long as I signed up before XX/XX/2017 and spent {$1000.00} in the first XXXX months. I did exactly as I was supposed to but was only credited XXXX. I called in XX/XX/XXXX and was told they were opening an investigation. When I called back they told me the investigation was closed and I was not receiving the extra XXXX miles due to an unspecified " error '' that was not the fault of American Express. I do not believe this is acceptable in any way. They admit the email is real but still wo n't give me the miles I 'm due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Earlier this XXXX, I saw a promotion offered by Bank of the West. They suggested if I go bank with them, namely by opening a checking account and complete some requirements, I would get a bonus of up to {$150.00}. Please see attached " offer detail.jpg ''. I thought it was good deal and applied for it right away. According to the offer term, I had to complete 10 debit card transactions in following two months. The {$50.00} bonus would be paid by XX/XX/XXXX. I have completed their 10 debit card transactions requirement by XX/XX/XXXX. Bank of the West, however, does n't honor this bonus as of today.

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 2022-02-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Good afternoon, on XX/XX/2021 I opened a Select Checking account that offered the following : Get up to {$600.00} in cash bonuses. Receive {$400.00} by having direct deposits totaling {$6000.00} or more post to the new Santander Select Checking account within 90 days and get an additional {$200.00} by maintaining an average daily balance of {$6500.00} or more for the first 90 days. I have satisfied the requirements and it has been 90 days yet I was informed that I will not be eligible for this bonus because I am a signer of my wifes account and their terms state : Offer is not available if any account owner is a current checking customer of Santander or had a Santander checking account in the last 12 months prior to account opening. However, the terms had no mention that being a signer on a spouses account disqualified me from the bonus. I had only added myself as a signer to my wifes account due to a an issue with a deposited check that was made out to the both of us. Ultimately, this is very misleading since the promotional offer was sent directly to me and my Addendum to your personal Deposit Account Agreement even included the promotional information. I have attached both the advertisement sent to me as well as the Addendum to my personal Deposit Account Agreement. I believe the terms need to be more specific and I should be in fact eligible for the bonus this time. Kindly look into this for 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 2016-09-28
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My wife and I invested in XXXX, XXXX, XXXX, ( parent company : XXXX ) in 2001. We purchased the stock @ {$10.00} share and added more stock over the next couple of years @ {$10.00} to {$11.00} per share. The stock grew to over {$20.00} and settled around $ XXXX/share. One Friday morning, with no notice before, during or after, the FDIC closed the doors of the bank, turning the assets over to Umpqua Bank of XXXX. We lost approx. {$280000.00} of our retirement and never heard a word from anyone at FDIC, the bank, it 's board or anyone else. The only contact left was Umpqua who were not responsive to our requests for more information and did we have any alternatives to what happened. This destroyed our XXXX as we are now XXXX years old and have very limited funds. Do we have any recourse? We desperately need the money or some portion of it to sustain our lives. The closure was a few years ago now, but we only recently found out about CFPB. 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 2017-05-31
Company: Williams, Rush & Associates, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please be advised that I am disputing this collection due to the fact that  Williams Rush & Associates   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  does not currently have a valid license in Texas to collect on Debts. I searched the Texas  Secretary of State Web  sites (    XXXX   XXXX   XXXX    ) d ebt collector search and was unable to locate a bond on file.   since I was unable to pull up the information online I called  X/XX/ 17   to confirm if in fact they were bonded in Texas to collect debts and was informed by the Lady on the phone that they collect in all  XXXX  states but she was unable to provide a bond number for Texas or even in fact confirmed that they are even bonded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: IL
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:
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

1. Identity Theft XXXX {$7100.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 2. Identity Theft XXXX XXXX XXXX  {$18000.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 3.  Identity Theft XXXX {$1200.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA The following accounts can not be verified and I am requesting that the following accounts be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with credit reporting agency as well as the credit grantor to have these unverifiable accounts removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditors, collection agencies, and acceptor of this letter as defendants. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention within 30 days of your receipt. Thank you for your prompt attention 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 non-monetary relief