BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple letters to this Company formal Notice that a claim is being disputed.for a debt that say i owe for XXXX I have not receive any evidence. This account is not mines I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: MI
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 contacted the Holder of my dept of education loans several times as well as the credit bureaus regarding XXXX Federal Perkins Loan Servicer inaccurate reporting of my account information. XXXX send paper billing with a balance of over {$7000.00} and a principle of {$5400.00}. Every month for over 2 years I send my payments in the amount paid has never been reported to the bureaus as a payment and reports as 0 % of my Ed loan paid off. This is affecting the accuracy of my credit report. I, in turn, requested that XXXX send me a breakdown of my account and demanded they reported accurate payment history as well as balances. Because of this, multiple late payments reported to my credit report. It is obvious that my request was ignored as I have not seen any changes to my credit report. This is an obvious and blatant disregard for the Fair credit reporting act as well as my right to a fair and accurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went to log into my Chase bank account on XX/XX/XXXX. It said that my account is locked due to suspicious fraud activity. So I called the bank to find out what happened and they said they are no longer continue in a relationship with me and would not give a reason why. I have four account with them two of them are college account for my daughters. My one daughter is receiving unemployment and had a large deposit put into her town about a week ago for the back pay for unemployment. When talking to customer service a supervisor told me I can go to the branch and withdraw my funds and not have to wait for a check so I go there to do it and they will not help me. I also left a message for the branch manager on XXXX to call me to see if he can release the funds and he has not called me back. So while I'm at the branch I call customer service and the guy on the phone told the personal banker that they have to release the funds in my checking account because those are not related to the unemployment and it's against Federal regulations to hold the funds in that account that are from my employer. He still refused to do so his name was XXXX at the bank. He told me he would email the branch manager XXXX the contact me on Monday XX/XX/XXXX to see about getting my funds released. This is the same branch manager that did not call me back on XX/XX/XXXX and he did not call me back on XX/XX/XXXX either. I am still waiting for my funds to be released and I don't know what to do at this point. The branch manager refuses refuses to take my calls or return them and I need him to release the funds according to the customer service call center

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Experian Information Solutions Inc.
State: MN
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 initially asked experian to validate bankruptcies listed on my credit report on XX/XX/18 via fax. They failed to respond with 30 days and i was notified XX/XX/18. I than asked the to show me their detailed method of verication per the FCRA ON XX/XX/18 via fax. Again they have failed to respond within the 15 days per the FCRA! 

Chapter XXXX XX/XX/XXXXwrong date Chapter XXXX. XXXXwrong date Cahapter XXXX. XX/XX/XXXX Wrong date

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 2019-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I pulled all 3 credit reports. I noticed XXXX XXXX XXXX on my report as a collection account. I disputed with all 3 credit bureaus in XX/XX/XXXX. In XX/XX/XXXX it came back as verified. I sent a certified letter to XXXX XXXX XXXX demanding validation on XX/XX/XXXX. No response. Prior to my letter, I did not receive a dunning notice. I was also not notified within 30 days of placing negative information into my credit file. Delete any and all claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: PNC Bank N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My BBVA credit card was charged a {$99.00} annual fee for the upcoming year. I immediately called to close my account and was told the annual fee would be waived since I am no longer keeping the card. A month later, I received a statement still showing the annual fee plus a late fee and interest charges. I am baffled that a credit card company would close an account and still try to charge the annual fee. No other U.S. credit card company operates like this. This is incredibly deceptive and unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Synchrony Bank closed my Amazon Store Card. With that I lost over {$700.00} of rewards. 

They claim that in the teams & conditions it says that when the account is closed the rewards are profited. 

However I don't think it is fair in a case that THEY out of the blue closed my account. 

I am aware that the big banks like XXXX, XXXX XXXX XXXX XXXX when they close your accounts, they give 30 - 60 days to redeem the rewards. 

I believe Synchrony Bank should give the same grace period. It only makes sense.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted the Holder of my dept of education loans several times as well as the credit bureaus regarding XXXX Federal Perkins Loan Servicer inaccurate reporting of my account information. XXXX send paper billing with a balance of over {$7000.00} and a principle of {$5400.00}. Every month for over 2 years I send my payments in the amount paid has never been reported to the bureaus as a payment and reports as 0 % of my Ed loan paid off. This is affecting the accuracy of my credit report. I, in turn, requested that XXXX send me a breakdown of my account and demanded they reported accurate payment history as well as balances. Because of this, multiple late payments reported to my credit report. It is obvious that my request was ignored as I have not seen any changes to my credit report. This is an obvious and blatant disregard for the Fair credit reporting act as well as my right to a fair and accurate report.

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 2020-11-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I sent a certified letter # XXXX to XXXX XXXX regarding the issue with Account number ending XXXX. The alleged balance of {$5200.00} ( massive fraudulent charges ) continues to be cited on my credit report by XXXX XXXX. I tried multiple times to resolve this issue with XXXX XXXX since XXXX but to no avail. As of today XX/XX/XXXX I haven't received any response from XXXX XXXX in regards to the letter previously stated above. This account continue to be reported by XXXX XXXX as owed on my Experian credit report. Experian continue to report this issue after my submitted dispute on Experian website XX/XX/XXXX. I'm requesting that this derogatory report be investigated and removed from my credit report immediately. Additional information and documents can be submitted upon request. 
Thank you

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 2020-11-03
Company: BANK OF THE WEST
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This is pertaning to Bank of the West XXXX XXXX XXXX, XXXX ND XXXX XXXX. I reported fraud on this on XX/XX/2020 In the amount of {$940.00} Account XXXX through XXXX  XXXX  and now this bank has tied itself to my current savings account which is now put on hold untill I pay in full or show proof that it has been removed from my report which it needs to be because I did not open this account nor did I write checks. This is Identity theft and I want to report it as so.

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 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My weekly Unemployment benefit was direct deposited into my account. I receive two separate deposits. The first one was accepted. Then my account was permanently closed. The second deposit didn't make it into the account. THANKFULLY. I reached out to bluebird by American Express and I was told that the deposit doesn't have my name on it. Therefore its a fraudulent deposit. So now my money is gone. They won't give it back for 10 weeks is what I was told. This happened to many more people with Unemployment and bluebird. I found many others on XXXX looking for answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
5/3 Bank severely mismanaged my escrow account causing a deficient of {$3700.00}. They bought out my mortgage in XX/XX/XXXX. They mismanaged the property taxes for my property for XX/XX/XXXX. They said they thought my property taxes were {$330.00} when in turn they were paid the previous year as {$2400.00}. My prior mortgage company paid the appropriate taxes the year before but they said they had no idea what the correct amount was for. How could this be? I have had numerous mortgage companies buy out my mortgage for 15 years and have never had this issue before. They also did not even pay my mortgage insurance when it was due in XX/XX/XXXX. I had to pay it so it would not lapse. This company mismanages and does not treat its customers fairly!!!! DO NOT GET A MORTGAGE OR DEAL WITH THIS COMPANY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: BOK FINANCIAL CORP
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I opened a youth savings account for my grandson at Bank of Albuquerque in XXXX New Mexico so that social security can deposit his backpack. I also opened a checking account. In the checking account I deposited {$1500.00} to start the account and {$50.00}. to start the savings account. I have never had a problem with either of these accounts. I went into the bank and opened up these accounts with a personal banker. My grandson got his first deposit of three on XX/XX/XXXX and both accounts are and were in excellent standing. I have problems with the FBI IN XXXX NEW MEXICO. I am currently suing XXXX  XXXX XXXX for allowing the FBI to illegally search my safety deposit box without a warrant. I expressed this concern to Bank of ALBUQUERQUE. There was weird stuff going on with my account so I called the bank several times and asked them questions about my account. For instance I would have charges clear and then they would be tied up again as if to tie up my available money. The bank said noone has asked them for information and they didn't know anything about the FBI. I have 8 calls recorded that I made to bank of ALBUQUERQUE about this problem. I asked bank of ALBUQUERQUE if they were able to give me a time stamp of all the times a bank official had accessed my account? They said yes and told me to call the legal number. I did and left a message. I didn't hear anymore about it until today XX/XX/XXXX when I received a letter from Bank of Albuquerque it was a Notice of Termination account relationship they stated they're closing my account as of XX/XX/XXXX without a reason as to why. They stated all my money would have to be out of the account by then or they will forward it to me in a check they asked me to stop using my bank card. Told me I was welcome to go to a branch to close it out. I have a problem with this because my grandsons social security goes in the account and I have done nothing but tell the bank I don't want the FBI XXXX illegally accessing my accounts with out proper warrants and documentation. The letter they sent to me makes it look like I have done something illegal and I haven't it also makes other Banks not want to have a banking relationship with me. I believe it's retaliation because they have already let the FBI have access to my accounts without a warrant and to avoid liability and responsibility for it they are making it look like I did something wrong which isn't the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
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:
On several occasions I have disputed inquiries on my credit report that I did not authorize and they do not belong to me. I have a fraud alert on my file due to someone else applying for credit and using my social to obtain credit. Experian has refused to delete or investigate the unauthorized inquiries. Per the FCRA a consumer has the right to dispute inaccurate or unauthorized information reflected on their credit file. The below inquiries are related to fraud and need to be removed. CERTIFIED CREDIT REPORT-, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX The above inquiries need to be removed. I have contacted the companies and they have no record or application that belongs to me so they are not able to assist in removing these inquiries.

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 2020-11-03
Company: EQUIFAX, INC.
State: MO
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:
Im disputing the following accounts due to the fact that the accounts are fraudulent and does not belong to me. My identity was compromised and put on the dark web. And this has affected my credit files greatly. I'm demanding the immediate removal of these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX  7. XXXX XXXX {$3.00} 8. XXXX XXXX {$110.00} 9. XXXX XXXX {$280.00} 10. XXXX XXXX XXXX {$3.00} 11. XXXX XXXX XXXX {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I sent a certified letter # XXXX to American Express regarding the issue with Account number ending XXXX. The alleged balance of {$5200.00} ( massive fraudulent charges ) continues to be cited on my credit report by American Express. I tried multiple times to resolve this issue with Amer Exp since XXXX but to no avail. As of today XX/XX/XXXX I haven't received any response from Amer Exp in regards to the letter previously stated above. This account continue to be reported by Amer Exp as owed on my XXXX  credit report. XXXX  continue to report this issue after my submitted dispute on XXXX  website XX/XX/XXXX. I'm requesting that this derogatory report be investigated and removed from my credit report immediately. Additional information and documents can be submitted upon request. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have tried on multiple occasions to use my card in stores and atms and it is being declined. I have tried to create an online account to access my card but it say it is locked and to contact customer service. I have tried to call the customer service for the past 3 days and have been unsuccessful in doing so. I have waited on the line for up to 2 hours several times just to be hung up on. There is no other point of contact to talk to someone in their customer service and I can not access my money. I dont know what to do.

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 2018-03-02
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was told the total of the truck was XXXX my payment would be XXXX a month. I get my payment book and every payment says XXXX I call XXXX XXXX XXXX the guy says it because some months have more then 4 weeks in them. I make my 1st payment then by the time I make my 2nd payment they saying I owe XXXX dollars on the truck the paper work I signed the only paper work I got says XXXX but the kcredit place says I owe XXXX saying I gave the sales guy permission to sign my name on form which I never did so I was not aware of me being locked in for 5yrs paying XXXX a month oweing over 12,000 dollars in interest I was only made aware of it once I made a complaint to the credit people about my account saying I owe XXXX dollars.

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 2020-11-20
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was recently contacted regarding my credit that Shellpoint reported me more than 30 days late for my XX/XX/2020 payment this year which drastically impacted my credit score. My frustration with Shellpoint is that during this time, I was starting a 3 month forbearance plan, starting in XX/XX/2020 - but still made 1/2 payments for XX/XX/2020, XX/XX/2020, and XX/XX/2020 - Please note that I paid in full and caught up my account this XX/XX/2020 only because I was concerned about how slowly Shellpoint adjusted my account and wanted to continue to show my good status with Shellpoint. 

I had a guarantee by your team XXXX XXXX XXXX among others at the time ) that taking on a forbearance would not negatively impact my credit and that you would be keeping this internal to Shellpoint and no reporting to the credit bureaus. Please note that I have maintained my account in a pristine fashion with you for more than 3 years, with early payments. Even during the Forbearance period I made 1/2 payments, then paid in full early - before it was due in XXXX. 

I started conversations back in XXXX to decide if it made sense to use the forbearance plan, even though I had the savings for this - but due to COVID, my salary had been drastically reduced and this would help my short term cash flow. You can imagine my surprise when I just received notice that my credit dropped by nearly 100 points since Shellpoint reported that my XXXX payment was late - more than 30 days overdue - even though I was in Forbearance period and I also made a 1/2 payment for XXXX in XXXX. 

My credit has been perfect - obviously, in that I wouldn't have even been able to get a jumbo loan if this wasn't the case. 

Can you please straighten this situation out with your credit department and the Bureaus? I really appreciate your assistance in this matter. I have all of the paper work and history - in addition to the copy of my credit report showing Shellpoint 's negative rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation