BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Other

Complaint:
I purchased a {$2500.00} bed from XXXX XXXX XXXX. From the beginning the bed has been defective. It sags, the side of the bed makes you lean to the right, You cannon lay flat as there is a ledge that makes you lean and fall into a hole to the right side. It is broken down. It sucks air when you stand from sitting on the side of the mattress. I have contacted them and they have sent servicemen to my house. The first man said it was bad and they would have to replace. Only to find out that his report said it was fine. He lied. The second time they came out the man measured the bed in the wrong place and would not measure where I told him the problems were. He took pictures of the wrong spot and put that in his report and said it was fine. He lied also. I contacted the XXXX rep. He said the XXXX serviceman should have known not to measure the head of the bed, That he did n't have the proper training and he would get with XXXX XXXX and have them come out and measure again and do it correctly. I just got an E-mail from him saying that he was going with XXXX XXXX 's reports and that the bed is fine. Another liar. I have contact Synchrony Bank who financed the bed through XXXX XXXX and filed a dispute wanting my money back and return the bed. They will not take any photos or information from me either. They said they will contact XXXX XXXX and wait for their reply to make a decision. Again, they will go off the reports they have and take them as correct when they are lies. When the serviceman was at my home I showed him the spots, laid on the mattress to show him how it leaned and where the hole was. He would not even acknowledge my complaints. He said I could turn the mattress. Why would he suggest turning the mattress if there was nothing wrong. I have been trying to sleep in this broken bed and want to return it and get my money back. I ca n't trust this company. They will not stand behind the warranty. I feel XXXX XXXX, XXXX and Synchrony Bank are all together and I have no representation at all. They have taken my money and left me with a defective product. As long as they keep going off the falsified reports I have been a victim of fraud. I desperately need help. Synchrony Bank told me the first time I called that I could not file a dispute and if I did n't pay for the mattress they would hold me liable and damage my credit, plus add on 29 % interest. I called later and demanded that I file a dispute, but they are only going to contact XXXX XXXX and they will be giving them the incorrect reports they filed to avoid taking this mattress back. Again, who is helping me, no representation. Three against one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have made payments in the store most recently XXXX, XXXX and XXXX and they never get applied. Instead I get a refund check from Target to reapply. I have been hit with interest XXXX and XXXX I am asking for adjustment. The last payment I made was {$1500.00} in the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX XXXX 2015. I applied online for a walmart credit, when I did the application I mistakenly put my physical address instead of my XXXX XXXX XXXX which I can only receive mail at XXXX XXXX XXXX They said online that I should receive a letter in the mail within 10 days when I applied online. I never received letter so I decided to call The Walmart credit card status phone number at XXXX on XXXX XXXX 2015. After being transferred to the correct person, I was then told this call is being recorded and monitoring I said ok, then she asked me to verify my identity because I was checking on the status. I gave her my social my date of birth my address etc. She then verified that it was me who applied for the credit card. She then proceeded to tell me congratulations you have been approved. Then she told me to hold on the line a minute I said ok. Then a few minutes later she returned on the phone and said that there was a problem with the computer and unfortunately I have been denied and they would send me a letter in the mail explaining why. I then asked how can I be approved then put on hold and then told that im denied? She said she was sorry but im denied. I then hung up phone. On XXXX XXXX 2015 i was sent a email from my credit report monitoring service called XXXX that I now have a new hard inquiry? I said what is this?? I then called back to XXXX credit card services and asked why was my credit pulled without my consent? I called on XXXX XXXX 2015 just to check the status of my application for credit. I was never told at any point of time that my credit was being pulled at all!! When I asked why was my credit pulled they quickly said we never pulled your credit? I have proof from my credit reporting monitoring at credit karma which is TransUnion that shows that on XXXX XXXX 2015 XXXX credit card services pulled my credit and on XXXX XXXX 2015 walmart credit card services pulled my credit again. This is clearly a violation of my rights and the FCRA that was done intentionally and negligence on behalf of walmart credit card services. I feel as though when she was putting me on hold over the phone she deliberately checked my credit without my consent for fraudulent reasons. This phone call was recorded and monitored! I am meeting with a attorney next week to file a lawsuit and supeona phone conversations from both XXXX XXXX and XXXX XXXX to show my rights have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2015 I received notice from Green tree stating that I was able to cancel my pmi insurance I called green tree and told them that I would like to stop pmi till this date they still have n't cancelled my pmi I have called them many times sent a letter stating to cancel pmi had my home reappraised still nothing I am paying XXXX a month for this if you could help that would be great

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The credit reporting agencies are still showing accounts that should have been removed because of fraud. Multiple complaints have been filed to no avail, without the negative information, my credit score should be over 700.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: U.S. BANCORP
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Card stolen, bank refused to credit funds, then credited the funds, then stolen the funds and wired them to someone other than the account holder and anyone associated with 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 2015-10-14
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer has added negative remarks to my credit report for a mortgage discharged in my bankruptcy previously serviced by greentree and XXXX.I have disputed these remarks before and XXXX XXXX XXXX agreed and removed them.They have the account discharged but under history they have marked ( late XXXX plus days ) and ( worst delinquency ) '' collection '' .No discharged account can be marked as late or in collection, as per federal law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2016-02-18
Company: Rocket Mortgage, LLC
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have submitted a previous complaint that was considered closed. I went through the procedure properly and even disputed the company response. It has been almost 4 months since our loan was closed with Quicken and a month ago I was notified by them, yes, that they had made another error. XXXX of many, this error had to do with our insurance impound account. First of all we were told while doing the loan that the amount of insurance needed to be increased to XXXX in coverage. I offered to contact our agent to discuss this. Quicken insisted they needed to contact our agent. Meantime we never heard anything additional while the loan was in process, neither from Quicken or our insurance rep. You would think this would have been something they would have discussed with us. Three months into the loan we were contacted by XXXX XXXX at Quicken, stating that they made an error and did not impound enough funds for our insurance. We have our primary dwelling and a XXXX XXXX stated that they only impounded enough for the main home. She also said that the primary needed to be insured for the amount of the loan. I insisted that this could not be possible. After much back and forth email and pleas on our behalf, we found out this is not correct. We are now and have been dealing with this for over a month. The smaller dwelling was finally reevaluated by our insurance rep. This loan was audited and reviewed multiple times and they continue to error. The amount of stress they have put into our lives had been non stop. I feel like we followed all proper procedures, they were told and did have appraised XXXX dwellings. I feel like a closer look should have been made into the dealings of Quicken. My brother is a XXXX and assured us in all his training, that what we were to do was report this to CFPB. I am more than shocked at this point, that Quicken can continue in this manner to wreak such havoc. Their responses to my issues were sugar coated at best and there most used phrase is " I am sorry ''. They do n't hesitate to repeat this several or more times in XXXX email. It 's beyond reprehensible. Please look into this further. And again prevent them from doing this to other people who are less knowledgeable about how the process works.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: Franklin Collection Service, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX.This utlity company and decided to end our business relationship due to breach of contract.they were charging me for services not rendered. So I payed my final bill and sent in my equipment. Never heard from then again until a collection agency contacted me saying I owed a debt from this utlity company on XX/XX/XXXX. I disputed with all 3 credit bureaus and had them removed from all 3 bureaus. On XX/XX/XXXX I seen my credit report show a collection from the same original utlity company but a different collection agency. I disputed again. XXXX removed it. But not XXXX or XXXX. On XX/XX/XXXX I contacted them and asked the collection agency remove from my credit report.They said they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper is the servicing company on my loan. I contacted them via the secure message feature XX/XX/XXXX and XX/XX/XXXX and only received automated responses that they would contact me within 5-7 days. There has been no contact. I received my escrow statement XX/XX/XXXX and PMI is still listed so I contacted them via chat and was told I needed to call. XXXX gave me 3 numbers to call. After being disconnected and on hold I finally reached agent XXXX XXXX on the 3rd number who told me she could not find my loan information although I was authenticated by their system. My loan reached the legal requirements to remove PMI and that is all I want done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account transferred to Midland Funding which is a collection agency. I called and Midland agreed to settle for a percentage. I paid the percentage agreed and have received XXXX letters from Midland advising that my account was settled for less than the amount owed and the account is closed. Midland is however reporting that my account is still open with a balance due. I have called numerous times and Midland has verified that my account is closed. I am trying to obtain a mortgage and this account is preventing it. My mortgage broker attempted to have my credit rescored using the letter from Midland and their legal department which advised that nothing is due. When rescoring Midland advised XXXX that the account is still open with a balance due and has now updated my credit report to say the same as of XXXX XXXX which is after the date of the initial letter. I called Midland again on XXXX XXXX and they advised that they would send a letter saying closed but have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security number had already been filed. Please remove these unknown accounts from my reports as soon as possible. 

BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: JPMORGAN CHASE & CO.
State: MD
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:
Last year, I was informed that I attempted to apply for an Amazon credit card, which is totally false. While I do have an Amazon online account, I have never applied or attempted to apply for a credit card either directly or indirectly with Amazon. All of my Amazon purchases are routinely paid using my debit cards, which is why I suspect my identify was used fraudulently to apply for a credit card with Chase Bank USA. I learned of the attempt and subsequently decline of the application after I received a letter of explanation from credit bureaus. I have since disputed this inaccurate information with the credit bureaus, but was denied relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-08
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Privacy

Complaint:
A company calling themselves " American Express '' and also " American Express XXXX '' have been repeatedly running my credit report several times a year for years. I have not done any time of business with American Express in well over 12 years and did not authorize any of these inquiries. I also have a LIFETIME ban on promotional inquiries into my credit. There is no excuse for American Express repeatedly invading my privacy like this. As you can see on the attached Experian credit report, just this year they have run my credit report XXXX times under XXXX different names ; American Express and American Express XXXX, and also used XXXX different addresses. They have done this for several years now and I have sent them letter to stop as well as complained to the credit bureaus to not allow it. It has not worked, American Express continues to invade my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
Transunion displays innacurrate employer information on report. I don't work for XXXX XXXX. I work for 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 2020-12-18
Company: Consumer Adjustment Company Incorporated
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Consumer Adjustment Co has placed a collection on my credit report after purchasing this fraudulent account from XXXX. I have already explained to XXXX and the credit bureaus that this account is not mine and is a result of Identity theft. I am once again attaching my police report to this complaint as proof that this account does not belong to me. Please remove this from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Managing, opening, or closing account

Complaint:
I 've complained before about these rebate/reward cards and the fees because traditionally a fee comes with a service and they provide zero service. They take a monthly fee for what, not using it, kind of backwards logic but of course makes banks rich while robbing consumers. 

This complaint is not about that though. So I tried to use XXXX of my cards and it was denied presumably because I did not have the full amount available on the card which is XXXX point # 1. So you ca n't use the balance and pay the rest with another means of payment??? 

For convenience and so AMEX does n't miss responses which they traditionally do, that is question XXXX and I 'll make a list : 1 ) Can consumers pay with a reward card and even if the balance is not available for full payment, apply a partial payment? If not, why, too technically advanced for banking??? 
2 ) I would love to know how many cards other than being robbed with the fees, end up with small balances that never get used because you ca n't go over with the purchase??? i would basically like to know the possibility/probability of using down to the penny. 
3 ) To top everything off, I was charged a {$1.00} fee for attempting to use the card and for what??? 

This is just more ripping off the consumer to make millions and millions in profit ... In processing the note was that AMEX denied the charge, not the processing company, AMEX so this is their issue, their shortcoming, their greed ... 

The card number for reference is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX XXXX filed an erroneous judgement for a paid tax lien with my local county clerk. There was never any tax lien. When I noticed this, I went through the process with XXXX to address the issue. They admitted it was a mistake, and fully vacated the lien. This process was completed around 4 months ago. I then took the steps with the XXXX reporting agencies to remove the item. After disputing the item with each, XXXX has removed the item, XXXX is in the process of removing it. <P/>Transunion, on the other hand, has 'investigated ' my dispute either 2 or 3 times and I just received a letter this week saying that it 's been 'verified ' and that they 're not removing it. I have sent them the official letter from XXXX showing that the lien in question was vacated each time that I disputed this item. <P/>Their barely-functional web portal now will not let me even see my report, and will not let me dispute the item again. I have spent over 15 hours trying to resolve this problem, all due to their ineptitude in their so-called sole stated purpose, which is to accurately report consumer credit information. <P/>
Per 2015 legislation, the reporting agency is required to have 'trained personnel ' handling disputes. On the multiple times i 've called Transunion about this, I am connected to a call center with a representative that barely speaks English, and is 100 % clueless as to what to do. They each tell me something different, and nothing gets resolved.

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 2020-12-18
Company: Experian Information Solutions Inc.
State: CT
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 is still reporting that my balance with XXXX XXXXt XXXX is XXXX and it is not, it is paid in full and should be removed immediately. This for account number 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