BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
My Bank of America credit card BankAmericard Visa Platinum Plus - XXXX was stolen. Somebody went on a shopping spree in XXXX. Once I discovered the fraud, I immediately started calling Bank of America every day, sometimes 2-3 times a day. naturally, every time I called, I got different answers to the same question. Finally, after a giant amount of wasted time, Bank of America filed fraud for some of the transactions and willfully failed to exclude some additional transactions, all happening in XXXX while I was in the US. Walking to a banking center proved useless, as employees said they could not help with a credit card dispute. Bank of America is so " big to fail and even bigger to jail '', that their " customer service '' does not know how to handle fraud claims and the different departments handling fraud, have no idea of customer service. My same card was previously compromised several times, even during transit, when I had not yet received their replacement. In a nutshell, dealing with Bank of America is extremely time consuming and beyond frustrating. Additionally, average wait times vary between 15 & 45 minutes, of course with the usual slim excuse : " Your business is important to us, please continue to hold ... '' On top of that, I spent easily 50 hours online, trying unsuccessfully to file fraud claims myself for all the charges, resulting from my stolen card, and naturally, I was not able to. I have told them at least 20 times that all transactions from XX/XX/2018 onward should be marked as fraud, and so far, I have not been successful. I am attaching a statement from their web site for your reference, thanks!

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 2018-03-06
Company: Experian Information Solutions Inc.
State: DE
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:
There were 2 items placed on my cbr that are not mine. I share the same name as my mother who recently filed a chapter XXXX bankruptsy so I believe these creditors put her information on my cbr out of frustration. I verified with my mother that these items also showed on her cbr.. And she advised they did. And they both show as a chapter XXXX bk. I disputed the items XXXX XXXX XXXX and XXXX XXXX and advised them. Of this information. The dispute results finally came back and experian advised that they were both updated.. They remained ... So I called experian and the rep could not tell me anything about the dispute. I know for certain tht these are my mothers so I asked what kind of proof did they provide validating that these debts were mine? Rep advised they did not and do not need to provide proof and that they just notified them stating debt was mine. I find that absurd. The representative then said he did not show the XXXX XXXX dispute and that it was never disputed. I was appalled and advised him that I had received emails from them advising of the disputed items being completed and that i also had the email confirmations whsn i first placed the items in dispute. The rep then miraculously saw that XXXX XXXX was disputes..but told me it was. Still showing on my cbr And that there were no notes so that must mean that they verified the debt. Could not tell me a thing concerning that dispute and had no proof or notes and yet they have decided that these 2 debts that are not mine and are already being reported to someone elses cbr as well are to remain. I find this unjust and plan on taking legal action if need be. Asked rep for supervisor, he advised they would tell me the same thing..placed me on hold for over 30 mins and never returned when I decided to end call.

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 2020-01-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 Fifth Third was contacted my mortgage company, I was changing insurance companies and XXXX also contacted them letting them know this. My new insurance agent called Fifth Third needing more information to bind the policy, they refuse to call him back and give him this information causing a small lapse in my insurance which I never found out until 5 months later by Fifth Third when they automatically put me in escrow and tripled my insurance on my home without calling me or contacting me or anyting. Unprofessional as XXXX I went to my bank on XXXX XXXX in XXXX XXXX contacted the mortgage woman they're extremely rude got nowhere got up and walked out on me. I have contacted Fifth Third mortgage company talking to XXXX XXXX the manager and I'm not getting anywhere he's going out of his way to make this case stick for them to XXXX me out of money this is not going to happen I will not pay it. I'm XXXX XXXX XXXX I do not need the last 6 months of this XXXX in my life please help me and do something about this thank you XXXX XXXX. They tried to raise my insurance from XXXX to {$1600.00} a year. And also raise my monthly house payment not going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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:
XXXX XXXX CREDIT INQUIRY DATE XX/XX/2019 2019

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 2020-08-26
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
TD Bank needs to unenroll my email address from XXXX as I have closed my account. They will not do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX service was canceled and paid last payment.

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 2020-01-28
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter asking for verification of debt. It's been over 30 days and the debt hasn't been verified and remains on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: AmeriCollect
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Thursday XX/XX/XXXX a collection account was reported to my credit reports by your company, Americollect to all three credit bureaus in the amount of {$65.00}. The date opened is listed as XX/XX/XXXX. 
The notification of the negative item from my credit monitoring company is the first time I received notice of this alleged debt. This means that Americollect is attempting to collect a debt in violation of FDCPA by failing to provide a written debt validation letter with a clear notification of what the debt is and failing to notify me in writing of my rights to dispute this debt. Essentially robbing me on my right to have this debt verified. 
The FDCPA regulates abusive practices by debt collectors. As such, by operating in violation of FDCPA Americollect is subjecting me to abusive practices by willfully negatively affecting my credit rating and not allowing me access to information about this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: U.S. BANCORP
State: NY
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 have filed a dispute in regards to the incorrect information showing in my credit report it has been well over 30 days and I haven't received any investigation results

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 2020-08-26
Company: Experian Information Solutions 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:
I am a victim of identity theft and need some help clearing my name.

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 2022-08-07
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX, Experian, & XXXX, continues to report 2 dismissed XXXX XXXXXXXX bankruptcies and a XXXX XXXX Bankruptcy case on my credit report and refuses to remove them as bankruptcies are not reported by the bankruptcy court and they use a third-party data mining service to find public records to add them to credit files. Per law items on credit reports are required to be reported by the actual date furnisher and the Bankruptcy court does not verify any bankruptcy disputes as they do not repot and when disputed XXXX does not send a dispute letter to the court just their third-party data furnisher that shows there is a public record that exists. 
Case Numbers 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 explanation
Consumer complaint received 2018-03-06
Company: 1st Franklin Financial Corporation
State: GA
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 XXXX filed a judgement for none payment in XX/XX/XXXX. In XX/XX/XXXX I was asked to pay {$340.00} on XX/XX/XXXX, and {$160.00} every month beginning XX/XX/XXXX. I made the payment XX/XX/XXXX and every month after. After viewing my credit report I noticed my account reporting late for the month of XXXX, XXXX, and XXXX. There policy is a {$10.00} late fee and I was never charged a late fee any of the months mentioned above. I could not resolve the problem so I since payed off the account to avoid any future reporting of late payments.

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 2017-08-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I initially received an Old Navy store credit cards several years ago. At the time I opened my account, I managed my account online using the username : XXXX. My account was then transferred to a Visa issued Old Navy card. My store credit card account was closed. My Visa issued account was maintained and managed through the username XXXX. I have always paid my account online and relied on online access to view my account. In XX/XX/XXXXof this year I reported my card lost and was issued a new card, but was still able to access my account via the username XXXX.
On or around XX/XX/XXXX, I attempted to access my account to make a payment. I logged in using my username XXXX and the information regarding my Visa account was gone. I did not receive a paper statement. In fact, I received an email indicating my statement was available online using my login, which was false. I contacted Old Navy using the online chat service and was told I no longer had access to my account. The explanation being only one account could be associated per username. I asked why my active account would be removed and not my closed account. I asked them to resolve this issue and was provided no assistance. On XX/XX/XXXX, I again received an email notification to access my statement online. On XX/XX/XXXX, I attempted to access my account online and again found no information regarding my account. I was given no explanation as to why I had not received a paper statement if my online access was blocked or why online access to my account had been removed. I was given an ultimatum that the only way to make a payment - despite not receiving a statement - was via the phone.
Old Navy 's acted in way that was fraudulent by removing online access to my account in effort to collect late fees and increased interest charges ( due to an increase balance ) that would otherwise not be entitled to. They removed online access without warning and explanation and failed to remedy the situation such that I received paper statements in the mail. They knowing impaired my ability to review my statements and make on time payments.

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 2018-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/17 I purchase a photo package for {$87.00}. The company charge {$8700.00} to my credit card. I opened a dispute to Capital One. I canceled the transaction by phone and email to the company. Also I called Capital One to inform about the fraud they told me that nothing that can do. Finally, after too many phone calls to get answer. Capital One fail my dispute saying XXXX did not accept my dispute because I did not have a cancellation document. I told them I canceled by phone and also by email. I have prove for all documents and also recorded phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: LJ Ross Associates
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by LJ Ross and Associates regarding an unpaid utility bill. Upon hearing of the debt, I immediately disputed it's validity. My home was foreclosed on XX/XX/XXXX,  however the new owner never took over the electric account. I was billed through approx XX/XX/XXXX for the electricity on a property that I did not own or occupy. I was unaware of the billing situation as the bills were being sent to a property that I did not live in. I sent LJ Ross & Associates a copy of the foreclosure dead, and made them aware that in the state of MA, I was not responsible for an electric bill for a property that I did not live in. 
LJ Ross and Associates continues to try to collect on this debt, even though complete proof has been shown that this is not a valid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Amsher Collection Services, Inc.
State: NC
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:
i have no idea what this claim is all about, or even if this a legitimate collection agency. i suspect it was either mailed to the wrong person with the same common name, or it is a fraudulent claim. i'm a little leery of calling the number, as i don't want any fraudulent company to capture my phone number. please advise. 

details : amsher collection sevices, inc XXXX XXXX XXXX, XXXX XXXX XXXX, al XXXX XXXX nc permit # : XXXX date of notice : XX/XX/20 received notice via usps today XX/XX/20 orginal creditor : XXXX XXXX XXXX ( never heard of them ). 
current creditor : same as above creditor 's acct # : XXXX amsher acct # : XXXX total due : {$38.00} savings : {$9.00} signed : XXXX XXXX, director of operations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: AES/PHEAA
State: FL
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:
My interest rates continually rise making it impossible for me to get out from my student debt. My initial interest rate was for 8.25 % ( very high- but my only option at the time ). My problem is that this number increased three times per year in XXXX and so did the owner of my loan. Every time the loan changes hands - my interest rate increases. I am only offered a 0.25 % rate decreased if I consent to having automatic bill pay. I am very uncomfortable with any company using this method of payment and refuse. I have been repaying my student loans however the interest continues to increase. 

XX/XX/XXXX - Interest rate increased to 8.75 % XX/XX/XXXX - Interest rate increased to 9 % XX/XX/XXXX - Interest rate increased to 9.25 % XX/XX/XXXX - Interest rate increased to 9.25 %

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: U.S. BANCORP
State: OH
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:
On XXXX XXXX, XXXX I applied for a credit card ( XXXX XXXX ) with US Bank. I was notified by US Bank that they were unable to obtain my XXXX credit report. On XXXX XXXX, XXXX I contacted US Bank and informed the bank that my credit report with XXXX had been acquired after speaking directly with XXXX. I requested that US Bank withdraw my application. On XXXX XXXX, XXXX I went to a local US Bank branch and spoke with a banking XXXX who contacted US Bank 's XXXX department regarding several hard pull inquiries on my XXXX credit report by US Bank. On XXXX XXXX, XXXX I applied for a credit card ( XXXX XXXX ) with US Bank. I was notified by US Bank. I was notified by US Bank that they were unable to obtain my XXXX credit report. I contacted XXXX who indicated they US Bank was in fact provided my full XXXX credit report resulting in hard pull inquiries on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in conjunction with these two credit card applications. XXXX stated that I would have to dispute the information directly with US Bank ; however, US Bank stated that I would have to initiate a dispute with XXXX. Unfortunately, XXXX does n't have a mechanism to dispute inquiries. I have made several attempts to resolve this with US Bank and XXXX to no avail.

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 2020-06-02
Company: Westlake Services, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
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 disputed two charges in XX/XX/XXXX on two credit cards amounting to {$14000.00}. Fifth Third Bank continuously refused to chargeback the amounts. Per their policy, I went to arbitration on XX/XX/XXXX, I learned that I WON on XX/XX/XXXX. Fifth Third Bank is refusing to provide me the award amount. They are insisting that I provide a w-9 for a refund/chargeback which is inappropriate. I explained that this is not money being paid to me, but a return of money, therefore their request for a w-9 to then send me a 1099 for  tax purposes, for a refund, is inappropriate. First, on XX/XX/XXXX, their attorney said it was not for tax purposes, but a requirement in order to " cut '' the check. I explained to their attorney that the purpose of a w-9 is to " pay '' self employed and/or independent contractors money ( which is not me ). On XX/XX/XXXX, Fifth Third Bank attorney then admitted it was for tax related purposes and Fifth Third Bank would not be sending me a check without receiving the w-9, which is a tax related form which does not pertain to me. 

Fifth Third Bank should refund/chargeback the money the way they would any other way for a refund/chargeback/credit payment and issue me a check without requesting a tax document which is not relevant to me. 

First Fifth Third Bank refused to follow their policy and refund/chargeback the amount, and now they are trying to circumvent their responsibility of issuing it as a refund/chargeback by requesting a IRS document that is not relevant to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: JPMORGAN CHASE & CO.
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:
Inquire appeared on my credit report I didn't authorized ( not associated with an open account )!!! Date : XX/XX/2018 ...

Company response to consumer: Closed with explanation