BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I previously filed a claim for debt protection with Synchrony Card Protection on my PayPal Smart Connect account, which was approved, and I believe I need to disclose for tax purposes. 

Synchrony Banks card security debt protection insurance is violating federal tax law and putting those using their product at risk of failing to pay proper taxes. 

Synchrony Bank is legally required to report any taxable income due to debt forgiveness to the government and send the relevant forms to the insured so they can properly file taxes. 

Today, two Synchrony Bank card security representatives told me THEY DO NOT MAIL ANY TAX FORMS TO NOTIFY THE GOVERNMENT OR CONSUMERS OF THIS TAXABLE INCOME. 

I told them this is unacceptable and that they needed to provide me with the proper tax documents in accordance with federal law. They said company policy does not allow this. I demand that Synchrony provide the relevant tax documents at the end of the year.

NOBODY is asking them for tax advice, we just need the forms to take to our tax preparer.

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 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/18 an inquiry was made on TransUnion by a firm called XXXX XXXX and on XX/XX/18 on XXXX by a firm called XXXX XXXX . I have since found out this is the same company. I contacted TransUnion I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative XXXX XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX XXXX, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard 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 2018-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
company refuses to close my account and charges me fees keeping it open.

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 2021-07-07
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XX/XX/2021, I pulled my credit report from XXXX  after noticing my credit score had decreased significantly and noticed that the Credit Control Corporation had filed negative information about an outstanding debt on my credit report. Prior to pulling my credit report, no attempts were made by the Credit Control Corporation to contact me to notify me of the outstanding debt or to collect against the outstanding debt. When I contacted the Credit Control Corporation about the debt, they had an incorrect address on file that I've never lived at and was in fact the address of the original biller. After speaking with the Credit Control Corporation on XXXX XX/XX/2021 to ask for details of the outstanding debt ( I didn't recognize the original biller ), I contacted the original biller who is going to pull the file back from Credit Control Corporation as the original biller never filed the information against my insurance even though they had my insurance information on file.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Express Recovery Services, 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:
I received a letter from the XXXX XXXX XXXX XXXX XXXX. This letter said I owed a debt and so I called the office to figure out what this was about. I recieved this letter XX/XX/2021 First I spoke to a XXXX ( something like that ) and told him that the debt wasn't mine on XX/XX/2021. I needed proof so I could look at it. XXXX asked me a bunch of times if I was an attorney and than transferred me to the voice mail of Mr. XXXX. On the message to Mr. XXXX, I told him that it wasn't me and that I would like proof of debt so I could clear it up. He has not responded. 
I received a call from an " attorney '' named XXXX on XX/XX/2021. I told him that I would like proof about the debt since it wasn't me. I am not from the State of Utah so I asked MrXXXX XXXX if he could supply me with proof. He than told me that he couldn't give me legal advice, he said this a bunch of times. After not supplying me with any information, Mr. XXXX " attorney '' told me that he was going to take me to court. 

I believe the tactics used by the XXXX XXXX XXXX XXXX XXXX XXXX, is meant to oppress and take advantage of people just to make money. I would look into this office and make sure their so called " attorneys '' are actually that.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open:XXXX Balance : {$650.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$240.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance:XX/XX/XXXX Company : XXXX/XXXX Account # :XXXX Date Open:XXXX Balance : {$380.00} Company : XXXX/XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$510.00}

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 non-monetary relief
Consumer complaint received 2021-06-23
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Ok, so your questions getting to this point didn't have anything to do with my situation. 
My problem is that us bank gave my complete mortgage account history and account information to a third party not on or even related to my account. I found the person ( XXXX XXXX ) in possession of my account information which included all payment history, account numbers, and other personal information. XXXX XXXX called us bank late XX/XX/2021 and it took them 2 weeks but they sent an email to XXXX on his personal email ( XXXX ) on XX/XX/2021. I confronted us bank and they said they would " look into it ''. I'm furious that I have to give them the size of my left toe just to talk to anyone and XXXX was able to just ask for this information and they just gave it to him.

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 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had paid something toward the company and they reported it as a late payment when I paid something twice which mean I did not miss a payment at all and it ding my credit score and prefect history of on time payments when I have never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Experian Information Solutions Inc.
State: UT
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've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following account 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 explanation
Consumer complaint received 2021-07-07
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX < -- This claim is not resolved. 
After being told if I refinanced my loan I would have PMI removed. Rocket suggested an appraiser that I used.

The appraiser appraised my property @ {$12000.00} ( 6 acres in CT ). After I discovered the error, Rocket suggested I pay for another appraisal. My annual property tax on the land alone is over 10X the value that was appraised ( $ XXXX attached ). Quicken told me to wait until XXXX XXXX was assigned to have it changed. 
After closing Quicken told me that it should have been changed before closing. QuickenRocket refuses to correct the problem.

I have a long email correspondence that I can forward that contains communication about the points listed above ( email thread uploaded with tax assessment value of local municipality & appraisal. After closing a % of PMI was added back on and the land value was never considered for 5 more years. 
The online ( XXXX etc. ) note the value of the property much higher than the appraisal that doesn't reflect the $ XXXX in remodeling I have had completed but still exceeds the 80 % needed for PMI removal. 
I have made 6 months of payments with PMI attached that would cover the cost of the appraiser.

Rocket originally told me there would be no PMI due to the value of the home but changed it at the last minute before closing. 
The home value has also increased since closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am concerned to the point of complaint that two of the largest banks, Bank of America and XXXX, are discriminating against legal, law-abiding businesses to force them to comply with their product demands in order to do business with them. These banks should not be able to discriminate against businesses that sell a legal product ( guns ) that dont fit into their social philosophy. Today it is guns, but tomorrow it may be specific types of cars, as we all know that SUVs were demonized about 10-15 years ago. If large banks are allowed to discriminate against gun sellers and buyers, they can also discriminate against SUV sellers and buyers. Where will it end?. Too big to fail businesses that seek government bail-outs in hard times, should not be able to force their philosophy onto consumers when they no longer need government assistance. If banks are doing business in the public space, then they must provide their services in an equitable manner to ALL legal businesses.

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 2021-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Refinanced loan with XXXX prior to loan being transferred from XXXX XXXX to XXXX. Have copy of the cashed check which was paid directly to XXXX. XXXX customer service has been terrible to deal with. They are simply a disorganized mess. Have communicated with CS via phone and email for 4 months. Sent copies of cashed checks. They report no issue yet they reported a new load AND delinquency to my credit report. Their response was " just wit a few months '' and then if nothing happens to dispute the report .... WHAT!!!!!! It is their responsibility to correct their error - not just blow off the issue. My report took an 80 point hit. There should be laws against this sort of behavior with no repercussions. We wanted nothing to do with this institution, it was forced upon us.

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 2018-08-13
Company: ERC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Original Creditor : XXXX XXXX Alleged amount owed {$2800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: FL
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:
There is information that on my consumer report that is a result of Identity theft. I did not provide written permission or instructions for that identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX You required to do what I am asking and block these transactions from being reported to my consumer report within 4 Days from the date of the receipt of this notice. I look forward to your response. 
Thank you Sincerely, 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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with Transunion does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. The record shall be removed.

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 2021-07-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$9700.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got referred by a friend to start investing with my credit cards and checking account. He asked me to send payments from these accounts to buy bitcoins through XXXX and promised me that the company will pay back the money as soon as possible. I ended up using my checking account and my credit cards way over the limit that the banks had to foreclose my accounts. The scammers made couple payments to my credit cards, but then they got returned because they came from frozen/closed accounts. They also gave checks payment, but they also got returned due to closed account. I confronted them, and they kept promising me they will handle it, but I have not received anything until this day. I ended up with about $ XXXX {$100000.00} debts because of this scam. I spoke to XXXX XXXX Fraud Department to help me with my outstanding balance of about {$18000.00} due to this scam. They told me this is not considered as a fraud since I authorized the transactions. I tried to explain to them that I am a victim of an investment scam here which I didn't realize I was at that time I authorized the charges. XXXX told me to file dispute for those charges, and I just got notified that they could not resolve the disputes and posted the charges back to my account. I also tried to dispute the charges with XXXX, but they did not help me at all. I am so stressed and frustrated here. I lost so much money because of this scam, and the banks did not help me at all with this unfortunate situation.

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 2018-03-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo Bank Account # XXXX was paid in pull on XX/XX/2018, in the total amount of debt owed which was XXXX. However, it is still being reported by the credit bureau that it is not paid. In addition, XXXX credit bureau is showing the debt has been satisfied. I called Wells Fargo and they reported that it showed that the amount had been paid in full on the said date. 

However, XXXX is still reporting the debt as owed.

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 2018-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/2018 Merchant XXXX XXXX XXXX College charged me {$60.00}. This is a billing dispute as this amount was paid in cash. The transaction was initially processed via credit card in person up until the point the chip reader was malfunctioning. The representative stated I could pay in cash since the payment processor was not functioning normally. At this point I agreed to cancel the electronic payment and proceed to pay in cash. As I left the college, I found out I was charged on my statement. I did not authorize this charge and am not responsible for the amount on my billing statement. Witness XXXX XXXX. Claim was denied.

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