BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: AMERICAN EXPRESS COMPANY
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:
American Express issued a business credit card to my business. However after I was unable to pay the bills b/c the business flopped. Amex proceeded to sue me in court peronsally and hold me liable under a joint and several clause they put in the contract. I think this is a decieving move, and since I used an LLC I was sheilded from business debts. However AMEX was allowed to sue me and win arbitration due to the contract clause. My question is how is AMEX allowed to extend credit to a consumer or an indvidial without the proper UCC disclosure about cosign on the credit application. I believe AMEX is using unfair tactics. They should be investigated and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CITIBANK, N.A.
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:
At the beggining of this year, XX/XX/XXXX, my parents started to receive credit card statements under my name from Citibank. On these statements, they indicate that I made a purchase at XXXX for {$210.00}, but I never did. 
First of all, I never got the credit card related to this purchase. I was client from Citibank about 5 or 6 years ago. I got two credit cards and loan at that time and I always paid all my doubts on time. I never renewed the credit cards that have already expired. 
Nowadays, I'm living in XXXX. The last time that I traveled to USA it was in XX/XX/XXXX. I've called the bank several times to explain this but they insist to send the statements and harass my parents collecting a debt that is not mine. 
Please help me to solve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had an Amazon credit card ( Synchrony Bank ) that was " hacked '' and they purchased XXXX worth of items. I did not purchase anything nor did I receive anything. If I did, I would have sent it back. This purchase was made back in XX/XX/2020 and I am still dealing with it today, XX/XX/2020. Since they have a zero fraud policy, I have yet to get my money back.

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 2020-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I just wanted to file this complaint since my wife did the same earlier today. A few months ago we submitted disputes to the three credit bureaus and we received nothing from them regarding our disputes. We did it on XX/XX/XXXX. We just want the stuff that isn't reporting correctly removed from the credit report. Our credit is very important right now and we can't have it reporting bad things that aren't true. We also can't have the credit bureaus take their sweet time in investigating or possibly ignoring us outright.

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 2020-07-22
Company: Ascension Point Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ascension continues to call family members and mail information regarding debt of our deceased Dad. Their tactics are disgraceful including calling our Dad 's grandchildren.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my account ( in good standing ) on XX/XX/18 via a phone call to the bank 's XXXX number. A couple days prior, I pulled all funds via an ACH transfer to another bank so that XXXX did not need to send me a check. After closing, a maintenance fee was applied which, I was told, reopened my account unbeknownst to me. I don't know why the maintenance fee was ever applied, but I assume it was because I fell below their fee-free threshold when I pulled my funds a couple days prior to closing the account so that I could close my account. I was told it takes a couple days to truly close my account and the maintenance fee posted the day after I called to close the account. ( My husband did the same thing and he was not charged any maintenance fee ). After not paying the {$4.00} maintenance fee, I was charged a {$30.00} late fee and then another {$4.00} maintenance fee. The bank claims I owe them {$38.00} but it is all due to fees from after I closed my account and I never received statements showing that the account was still opened ( or I never opened them because all USbank mail was considered junk mail after I closed my account ). I've called all the phone numbers USbank has given me in order to help me resolve this issue, but I have been greeted with wrong departments, transfers from department to department to department, answering machines, and offers to call me back which never happen. I've spent 2+ hours on the phone trying to rectify a problem that is not my fault. The collection department was unable to reverse the fee so they provided me the XXXX number to the bank. The XXXX number to the bank referred me back to the collections department. On XX/XX/XXXX I then threatened a complaint to the Federal Reserve if they did not get this corrected quickly. The CSR then tried to call a branch manager to waive the fee but was unable to get through to the manager. I was then told by that CSR that she was not working the following day and that her manager would follow through with the branch manager and give me a call the next day. I gave them the benefit of doubt and agreed to hold off on my complaint. ( 3 ) days later and still no phone call. I should be compensated for my time since USbank can not quickly resolve this simple issue and their customer support hours are during my work hours.

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 2020-05-23
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. According to the 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Experian Information Solutions Inc.
State: AR
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:
COLLECTOR IS STILL ILLEGALLY REPORTING TO ALL BUREAUS IN VIOLATION OF FCRA 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 2017-08-12
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called Barclaycard XXXX/XXXX/2017 at approximately XXXX EST from my husband 's phone with a simple request of seeking to confirm no recent card activity. After navigating the cumbersome automated system and entering all requisite information required, including several " for your security '' entries I finally reached a human. I should have known something was afoul when the frontline phone rep transferred me immediately after additional security information to " security. '' XXXX was who I spoke with from " security '' and alternated from interrogation to placing me on hold for the next 20 minutes. Thankfully, I keep excellent records and was able to immediately answer. After calling my home ( and waking those sleeping ), she came off our third hold event. The lines of questioning included which bank account I had made my most recent payment from, what was the payment amount, when was the payment made?
These were all events that took place several months ago. Given I value my time with my family and consider the amount of time spent on hold and answering the less than friendly line of interrogation from the phone representative, I indicated I was " considering whether or not I should continue my relationship with barclaycard. '' The rep thought she had some sort of " gotchya '' moment and said " she should continue?!? '' I was not sure what she was implying until she said this, as apparently she insists I was my husband. Great, sick and accused. So now instead of having my credit balance refunded and account closed, XXXX enumerated all of the " requirements '' for " identity validation '' in order for their " security department '' to clear my straightforward request at the end of the call to close my account and have the annual fee refunded. Really, I am supposed to pay you an annual fee for THIS type of customer service? I have received better treatment in communist nations! I believe XXXX needs to be retrained, as this is not how you retain customers in any form whatsoever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Opened Goodyear Credit Card to save money on tires ( {$75.00} ) and spread payment out for no interest for 6 months. Paid off in 4 months XXXX XX/XX/XXXX ) with no interest. Received bill for late payment of interest only charges and late fee. Called XX/XX/XXXX to resolve and they removed late fee {$29.00} but would not get rid of interest. Paid off {$41.00} in interest as I no longer have any documentation of offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : CREDIT CENTRAL Account Number : XXXX AMOUNT : {$780.00} Reason : Account is fraudulent Account Name : FSNB, NA Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1400.00} Reason : Account is fraudulent Inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX AMPS/NALLEY 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 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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion continues to report a debt not owed. According to 18 Usc 8 all obligations or alleged obligations are covered by the United States. I did not do business with the debt collector. Nor did i give transunion authority, nor written consent to furnish this information and under 15 usc 1681 ( b ) ( 2 ) my written consent is needed. I asked Transunion to remove this item or there in direct violation of The FCRA. 

1. XXXX XXXX {$120.00}

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 2020-07-22
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Disputed this collection previously in XX/XX/2020, and it was removed from credit report, but has came back by a different collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a credit monitoring alert about a hard credit check on XX/XX/2018. I immediately called to inquire. They told me how to get it removed, and insured me that they would not allow so.e one to open a cred card or credit line with my social. I completed the arduous process they required me to dispute a credit check. I also made 3 addition al calls to make sure an account would not be open. They denied my inquiry to remove the inquiry from my credit report. I called again and was once assured there were no accounts under my social and that they would not allow that to happen. I found out in XXXX that there was in fact an account and PayPal started harassing me to collect it. I contacted them, to explain what previously happened and Express my concern and bewilderment. They immediately started trying to collect money from me and did not help. I went to the price department and filed a police report. I sent that I formation ti PayPal and called several times a week for a month or 2. They told me to stop calling because they could not share any information from me. They would not.tell me where the money went or what it was spent on. Despite that, they keep insisting that I owe them money. I have countless emails, letters, police report, etc ... I want this hard credit inquiry off or my credit report, I want PayPal to stop harassing a victim of identity theft, and I want them to fix my credit! How is it possible that they would allow someone to do this when ai contacted them the day I received a credit inquiry alert?! This is gross neglilgence and harrassment.

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 2021-06-30
Company: ECMC GROUP, INC.
State: SC
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 I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a XXXX credit card that was issued by Chase Bank The card number is XXXX. On multiple times I had my card stolen and I reported same to the Chase Bank. Upon close examination there are charges on my card that were no made by me. 
Chase has a policy that states that the card holder is 100 percent not liable for charges that are not made by the card user. 
I have reported such items to Chase and they refuse to credit my account for these charges not made by me. 
The charges in question are as follows : XXXX on XX/XX/18 in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX There charges are not all encompassing as there may be additional charges to this account that were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
repeated phone calls from XXXX, XXXX, XXXX XXXX? calling regards to a debt that was paid in XX/XX/2017. I verified that the debt is indeed gone. They know my full social security number. When I questioned them stated will file a federal warrant for my arrest and that I have to go to court in XXXX County where I live ... ....

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