BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-11
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Walmart card services continues to report conflicting information between the XXXX credit agencies. They have independently verified reported Information, to XXXX, XXXX, & XXXX ; even though information reported to each credit reporting agency is incorrect, and/or conflicting. They report to XXXX that my date of XXXX delinquency for their Walmart credit account # XXXX is XXXX. They report to XXXX & XXXX that my date if XXXX delinquency is XXXX. AFTER REPEATED DISPUTES & COMPLAINTS, They respond with, " This account has been transferred. '' ********HOWEVER, the factoring company can not, fix the information reported by the original creditor!!!! THE ORIGINAL CREDITOR MUST DO THAT, or delete their account off of my credit reports!!!!! XXXX Note : Walmart credit services, the factoring company on this account can not change information that you have reported, YOU MUST DO THAT!!!!!!! Yes, ... YOU!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
Dear XXXX When I was purchasing items at TJ Maxx store back in XXXX XXXX, I opened the account for TJX Rewards Platinum Mastercard, which is a part of Synchrony bank. And few weeks later I returned some items for refund. I had a credit of {$170.00} in my TJX Reward Master card account. In XXXX XXXX I received a check of {$170.00} and I deposited it to my XXXX XXXX XXXX Account but the check was returned. As of XXXX XXXX my TJX Reward Mastercard statement balance is {$0.00} and I still have not received my money back.I have all the documents regarding this matter. I talked to TJX customer service manager many times in last 12 months. I faxed all the documents regarding the returned check. But only answers I received was that they were investigating this matter. They were investigating this for more than 10 months. Finally last XXXX XXXX when I spoke to XXXX of their customer service manager again, she said this matter was resolved and they will mail my check within 15 days.It has been more than 2 month past and I still have not received my check.It feels like they just do n't want to pay me Can you please advise me what process I can take to get my refund. It has been more than 12 month since this happened. 

Sincerely Yours

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Please read the attached documents outlining my concerns and response to  Dovenmuehuel  Mortgage. I have been put 30 days past due  in all  XXXX -credit bureaus and  XXXX  for a problem the   XXXX   XXXX   XXXX   XXXX  has owned up to and provided me with a letter to submit  to Dovenmuehuel.    Dovenmuehuel refuses to remove the derogatory information from my credit reports, and this has destroyed my credit worthiness and score respectively. After numerous conversations with Dovenmuehuel, I  have been told to live with it, because they do not have to change anything in my credit report because it is correct, regardless of the fact that another financial institution created the mistake.     I am in desperate need of assistance here. Thanks to  XXXX , with CFPB, she coached me on how to submit a complaint and work to get this matter turned around.      Dovenmuehuel has destroyed my perfect payment history with the credit bureau, along with my credit score. Because it is a VA mortgage and now shows 30 days past due one-time, I can not even refinance at a higher interest rate just to move my mortgage away from Dovenmuehuel. It is sad that the se high-powered institutions can destroy your credit and your life overnight, and laugh about it as it happens.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I feel that Bank of America committed an act of retaliation in the most obscene and disgusting way possible. On   XX/XX/XXXX ,  I placed a claim of fraud agains t one o f their customers in which I sent a transfer to. By mid   XX/XX/XXXX , th ey were stating that they stopped trying to get the money back. Honestly, I feel like they never tried, so I was out of my money of {$1400.00}. I tried to escalate this to the CEO of the company and apparently this was a huge no-no in their little world. Let me add, that not once have I overdrafted my account. So, here is the deal, today,   XX/XX/XXXX  2017,  m y deposit of almost {$900.00} hit my account for the week. Fortunately, I got gas at the beginning of the day and a few sodas, but by mid-day, on a Friday mind you, they instantly decided to shut down the account. No telephone calls, no emails, no letters in writing, nothing formal and I am left in the dark without a clear idea of what happened. I, then, called the customer service unit and got transferred. When I asked for a clear reason why my account was closed, there was no clear reason of why it happened. I was left completely in the dark. I got served with " Bank of America has the right to close your account at anytime ''. Well, that is nice, but why must the representatives of the bank be so smug and arrogant about it. This is hardly professional. It is almost like I worked for a week and Bank of America took it upon themselves to say " Well, we got this scammed out of {$1400.00}, what is anothe r $  XXXX +?  '' " He can handle it and we do not care if his refrigerator is empty, we do not care if his car payment is coming up due, we do not care if his day to day expenses need to be covered. We just care about  XXXX  this guy over because {$1400.00} was not enough. '' This is deplorable, unethical, and yes, I understand, perfect legal, but how am I to live over the next several days? All my money is wrapped up with the bank and they state how they will let me take my money from branch office. Yeah, they are giving me permission to come to the bank in  1 to 3  business days to get my own money. Guess what, Bank of America, THAT IS MY MONEY AND YOU ARE COMMITTING ACTS OF FRAUD AND MONEY LAUNDERING. You are holding my money, loaning on it, gaining a nominal interest rate on it, and doing of ton of interesting things that only banks like you know to do with it and what do I have? Nothing, nada, zilch, and a complete and utter upheaval of life. You have no class and that is unacceptable. Just because it was legal to close my account, you could have given me a date of when the account closure was going to happen to insure that I stopped checks, ACHs, and other items from being withdrawn from the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: SYNCHRONY FINANCIAL
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeated calls from TJX rewards credit card [ up to 6-7 per day between XXXX and XXXX ] from phone number XXXX to the point where I have had to block their number. They do not immediately identify themselves in the message and just say " Please return our call to XXXX, for faster service please visit our website at www.tjxrewards.com '' and then gives the mailing address, nowhere in the message does it state where they are calling from, or the purpose of the message. I have spoken with them repeatedly regarding my resolution of my debt but the calls do not cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Synchrony Bank / TJmaxx was harassing me by the phone telling me for a debt that was not mine I contacted the bureaus and they told me to contact Synchrony Bank. after alot of back and forth. They threatened me with legal action but. They did NOT provide me with any documentation validating the debt as mine

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 2016-04-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
My request for a free credit report from Experian was denied online.

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 2017-05-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I requested an analysis on   XXXX   of my escrow account since my property was new construction when I closed in   XXXX   XXXX  . Since the property was new construction my taxes were set up using the tax amount on the unimproved value and not the improved value. I was told account analysis would be done in   XXXX   since my account has been with the servicer for less than a year. However, I was told on  XX/XX/XXXX  I could request an out-of-cycle analysis. On   XXXX   I requested the analysis and was told I had to wait until   XXXX   for my account to have an escrow analysis done. What benefit is there to me to wait until  XXXX  for my account to be analyzed and find out my payment is being increased and there is a shortage in my escrow account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
this is not a valid account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Convergent Resources, 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:
this is not a valid account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I went to a XXXX Department Store in XXXX, Pa. I gave the clerk a XXXX XXXX for payment. Clerk seemed to process it but asked if I wanted to earn points for future purchases.I said it said I do n't come often but ok as long as it is not credit card since I have college loans at variable rate interest and dont want to ruin my XXXX score. She went into computer and handed me the reciept which I figured was charged to the XXXX card. over a month later I got a bill from a XXXX Rewards. Here I caught on that I was scammed at the clerk table. with a BAIT AND SWITCH like XXXX XXXX and XXXX bank pulls off telling you it is only a rewards card not a credit card but illegally proocesses a unrequested credit card application. The XXXX card submitted to pay earnd points at XXXX and in a subsequent call to XXXX they agreed to send me a Marshalls bill, take things off their card and cancel it and I would pay the Marshalls bill with the XXXX card that I was scammed out of using thus losing VALUABLE XXXX rewards AND getting a XXXX card I did not want with predatory interest rates and fees. However they failed to do so and instead sent a letter asking me to send them proof i paid with XXXX. It was very clear in phone conversation they SHOULD HAVE PROCESSED XXXX BUT SCAMMED ME, ISSUED THEIR CARD AND CHARGED THEIR HIGH INTEREST CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is about 2 issues : 1. The DUPLICATION of this debt on my Credit Report by XXXX companies, the original company SYNCB/SMRTCN ( XXXX also called GECR PAYPALSMARTCONN ) and the company they sold/transferred it to XXXX. BOTH OF THESE COMPANIES ARE LISTING THIS SAME DEBT ON MY CREDIT REPORT! They even share almost the same account number : The XXXX account number for this debt is : XXXX While the XXXX list this debt as XXXX See any similarities? 
PayPal SYNCB/SMRTCN List this as a closed debt while XXXX list it as an active account. 
2. This account was closed by PayPal SYNCB/SMRTCN after they mistakenly thought I had not made a payment in XXXX of 2009. When they called to tell me I had missed the payment I gave them the confirmation number of the payment I had made on time and a few hours later told them I had checked with my bank and indeed the payment had gone through the bank. Nevertheless they wanted me to make another payment that included a large penalty, which I refused to make. XXXX subsequently closed the account even though up till this time I had a perfect record of payments. I had never had a problem paying the original amount but the total since this time has always reflected the original amount plus penalties. Even though I have complained about this duplication before both of these companies have published this DUPLICATION ON MY CREDIT REPORT FOR 6 1/2 YEARS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: JPMORGAN CHASE & CO.
State: NC
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:
XXXX  of  2013, m ortgage loan with  Chase  was in a pre-foreclosure status. The loan was satisfied ( paid in full ). It is being reported as foreclosure/paid. This was not a short-sale nor a foreclosure. I have a settlement statement as well as my HUD statement from the closing. I am asking that the word " foreclosure '' be removed from my credit reports or that the term " pre-forclosure '' be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I refinanced my  XXXX   XXXX   XXXX  lease with    XXXX   XXXX    XXXX   XXXX  t  in  XXXX   XXXX . For a year now I have been trying to get an issue with  my Title  corrected. After trying for a year Chase has b  ee n unable to resolve th e Title issu e with no resolution. My original lease financing was through  XXXX   XXXX . At the end of the lease I purchased the car through  XXXX   XXXX   XXXX . At the time of closing,  XXXX  sent me letter stating the   XXXX   XXXX     Title w as sent to  Chase ( the lienholder ). A year later, Chase has y et to take possession of the lease. I moved to   XXXX   in  XXXX   XXXX . I call ed Chase to  request the  Title  paperwork so I could register my car in the state of   XXXX   in  XXXX   XXXX . They told me they would send me the proper paperwork to allow me to register my car. I never received the paperwork. I called about 30 days later and informed them I never received the paperwork. They told me they would resend the paperwork. After the third or fourth request for the paperwork, I was informed they are unable to issue the paperwork because of a  Title issu e and would send me paperwork that would allow me to obtain a temporary registration in  XXXX . I never received the paperwork for the temporary registration. There are  two things Chase  has been unable to resolve, (  1 )  they have been unable to properly title the car in  XXXX  which would allow me to transfer it to   XXXX    and ( 2 ) they have been unable to send me paperwork to obtain a temporary registration in  XXXX . The last time I spoke with them on  XXXX   XXXX ,  XXXX , I was told they contacted  XXXX  to request paperwork ( that was already sent by  XXXX  which  Chase l ost ). WHen I contacted  XXXX  to confirm  Chase had con tacted them for the paperwork  XXXX  was unable to verify any correspondents. It appears because this is a unique situation, the customer service reps are misrepresenting the actions they are taking in order to get us off the phone. Everytime they call they try to push us off and give us arbitrary timelines. I have been living in   XXXX   for almost 7 months now and have been unable to register my car. My   XXXX   registration is expiring in  XXXX   XXXX  and I am unable to register in  XXXX  This is causing me to carry  XXXX  auto insurance policies,  XXXX  in   XXXX   and  XXXX  in   XXXX   I am unable to cancel my  XXXX  insurance policy until I return my  XXXX   plates  however I ca n't turn in my   XXXX    plates until I register my car in    XXXX  . I am unsure what to do at this point as  Chase is not taking ownership of resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Capital Management Services, LP
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was paid off last XXXX 2014, no bills OR notices have been received at this address. NOW 2 months ago we get calls at ALL hours of the day from multiple numbers, PLUS my married sister got them at her home., I got them at work.I have called them repeatedly and told them XXXX said is WAS THEIR error and that I owed nothing. Still calls and letters, first demanding {$6000.00} plus, then 3 payments or {$2000.00} plus now it 's {$2400.00} to settle debt that I do NOT owe. I have told them REPEATEDLY to straighten it out, THEY ARE RUDE AND OBNOXIOUS AND refuse TO LISTEN all they say is send the money. I have asked them to show me a bill from XXXX and all the sent was statement saying I owe {$6000.00} plus but NO idea where they got that figure. I have received NO BILL from XXXX for over a year about anything.

Company response to consumer: Closed
Consumer complaint received 2017-05-05
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to remove my PMI from my account since approximately   XXXX   XXXX   XXXX   .  I have spent many hours on the phone with customer support and every time get different answers. They have canceled my requests. Most recently they told me I could have my own appraisal and after I had submitted it said they no longer accept appraisals. The original problem was they said I could have an appraisal for  XXXX  dollars and then tried to charge me  XXXX . I was guaranteed it would be  XXXX  on the phone many times and then would get a call asking for approval for  XXXX . That is when they canceled my request for PMI removal and said I had to file a new claim.     When I call they say they can not do anything and say they will file a complaint for you. Then no one calls you back and you have to call again and start the whole process over.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX. I pulled my credit report and noticed some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the an error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Out of nowhere, I got an alert on my credit monitoring service that a new collections account showed up. After reviewing it, it was  Southwest Credit Systems  for a debt they say I incurred back in   XXXX   with  XXXX . I spoke with someone there and told them that I never received any information about this debt and it was not mine. I never got a statement or any information on what it was. The agent said that even though it was n't mine, since I was buying a house, it would be in my best interest to pay it off and then they would remove it. I agreed, but it still shows on my credit report and still shows a balance due. It 's actually showing on ALL  XXXX .  XXXX ,   XXXX   and  XXXX . They never sent me anything or gave me the opportunity to get more information. They essentially held my credit report for ransom and demanded money in order to not ruin my credit  score.  But then ruined my  credit score  anyway.

Company response to consumer: Closed with explanation