BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
this company made a hard inquiry against me without notifying me. This was for airline tickets. I contacted the bank that did the inquiry hoping to fix it and they denied all actions. Syncb Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Syncb XXXX, FL XXXX ( XXXX ) XXXX I have tried to contact the credit burues but they just give me a run around

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 2021-12-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account XXXX XXXX is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my credit.

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 2022-01-04
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Signed up for a credit card with CareCredit ( which is Synchrony ) and was unaware that there would be a " Card Security '' fee every month. When speaking with " Card Security Services ''. I asked what the service actually did and they described it but failed to mention I'd be billed every month. Upon being told how the service worked I asked to terminate it and be refunded. They told me I would be ineligible for a refund on the fee if I cancelled. I said, " fine, whatever, just leave it on then '' and ended the call ( since I didn't know it was billed every month ). 

I found out I'd be billed monthly 30 minutes later and called back. On the second call the representative told me it had already been canceled on XX/XX/XXXX. This is not correct because they billed me on XX/XX/XXXX. They put me on hold and then came back and said " Actually we canceled it just now and have issued you a full refund '' and tried to get me off the phone. 

I asked who the representative who they worked for and the mood changed very quickly. They responded with " Card Security Services '' to which I replied " With Synchrony? '' and they were quiet and repeated " Card Security Services ''. I replied again, " Card Security Services, with Synchrony, right? '' and they reluctantly agreed. I asked where their office was so that I could best file my complaint with the CFPB and they said " XXXX ''. I asked, " XXXX? That's not an address ''. They put me on hold. They came back and gave me a XXXX XXXX XXXX to address complaints to. ( XXXX XXXX XXXX ). I confirmed that I would be getting a cancellation confirmation in writing in the mail and ended the call.

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 2021-12-10
Company: Medical-Commercial Audit Inc
State: MO
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:
MCA collections company repeatedly reported a debt I did not owe on my credit report. I called MCA and they stated that I did not owe the XXXX debt and never owed it but they continue to report for several months. This caused my credit score to decrease by XXXX points each month for several months XX/XX/XXXX. After several disputes it was finally removed. I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: Cedars Business Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
need cedar financial to refrain from contacting me. receiving demand for roughly 600USD. they are stating that I violated city pedestrian code while vacationing in XXXX almost 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a XXXX account reporting through this company called Enhanced Recovery, I have disputed with nothing being received. Unknown and to owe {$1300.00} is crazy requesting validation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony closed seven of my credit card accounts ( some store cards, some general-purpose credit cards ) on XX/XX/2020 summarily for a " high risk of failure to pay '' ( per a letter received from them on XX/XX/2020 ), despite me having 4 years on record with on-time payments. When I spoke to them on XX/XX/2020 they said it was due to other factors on my credit report - but I have no delinquencies on any of my credit reports. I have always paid all accounts ( including all the Synchrony accounts ) on time and am in good standing on everything. 

To me it seems they are using this excuse to lessen their overall exposure during the economic downturn brought on by the coronavirus. I believe this because of my stellar credit history and from seeing others on social media whose Synchrony accounts were closed on the same day.

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 2020-04-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are two accounts reporting on my credit file that I was only an authorized user and I never asked to be. My ex husband put me on their without my knowledge and when I disputed the information the credit reporting agencies stated it was an individual account. I never opened nor signed for a XXXX XXXX /XXXX  account nor a XXXX XXXX account. All the bureaus did was report the information show it included under a bankruptcy but still have it listed under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
It took me over an hour to close 2 accounts I had with Citibank. I could not believe the level of obstinacy I experienced trying to talk to three different individuals, one of whom said he was a supervisor who put me on hold for another 15 minutes when I asked to speak to HIS supervisor and then he came back on and said his supervisor was not available.

I am assuming that the two accounts are now closed but I can not be sure because the resistance and stalling tactics employed by all three reps I had the misfortune of trying to deal with was astounding. Continuously claiming to need further verification of my identity they put me on hold most of the hour and fifteen minutes of the call intermittently between ridiculous 'security ' checks. I would never have another card with Citibank and recommend that nobody else subject their selves to the obnoxiousness I encountered today, XX/XX/2022 between XXXX XXXX  and 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 2019-12-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Case # XXXX ( JPMORGAN CHASE BANK , NATIONAL ASSOCIATION ) I was refereed to CFPB by Office of the Controller of the Currency regarding the case # above. 
The issue I tried to resolve by contacting directly Chase is about the escrow account my mortgage loan had with them. As you see in the attachment I included in this inquiry my I started writing to them ( after talking to them on the phone ) on XX/XX/XXXX. I sent them a request to cancel the escrow account per State of California law with regards to escrow accounts ( SB-633 Mortgages : impound accounts ). They repeatedly mentioned in their response ( and last time in their response to me on XX/XX/XXXX after I filed the complaint with OCC ) that since escrow account is used to pay for private mortgage insurance of my loan, they can't cancel that. 
Please note that they finally closed my escrow account on XX/XX/XXXX ( letter attached ). This was a few days before refinanced my mortgage loan and moved to another financial institution. However, they did not provide an answer to my inquiry in terms of financial compensation as I wrote to Mr. XXXX XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX. Hypothetically speaking, even if an escrow account was needed for PMI purpose, they were collecting around {$700.00} a month while my loan PMI was only $ XXXX/month ( statement attached for your reference ). 
To help them to understand the situation, I included a breakdown how ~ $ 550/month difference in cash flow can affect someone. 

I would like to ask for your assistance to settle this case with them. 

I appreciate your help. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, 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:
On XX/XX/2021 XXXX and XXXX XXXX  service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with equifax and they havent verified from the companies that i authorized them to get a copy of my credit report i sent equifax a letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Three overdraft charges this month of 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 monetary relief
Consumer complaint received 2019-12-13
Company: Lending Club Corp
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Lost income due to medical emergency, tried to contact lending club, bank and XXXX. Bank and XXXX helped. Lending club seemed to understand for the first two months. I can not find a job, i am a XXXX vet who can not find suitable employment. I am more than qualified and couldnt even get a job at XXXX XXXX. I was hit with two XXXX hangout scams for fake interviews. One was even on XXXX. Ive worked with the DVA and nothing was done. Ive applied to myriad of jobs. I was begging XXXX to help me somehow because I did not know what to do. Now Im getting spam calls, people leaving zodiac breathing voicemails and hanging up. Then I receive a letter from pay XXXX and they now want to get me in contact with the person I owe this debt. I had to change my number. I no longer know who is who anymore. Please help, I am NOT THE ONLY ONE!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Sa-Vit Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my last effort to resolve this matter before I pursue to taking legal action.   This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.

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 2022-04-28
Company: Albert Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I reached out to Albert to dispute charges from a company XXXX. I also reached out to the company to notify them of fraudulent charges. Albert denied my dispute. The company did an internal investigation and did find fraud in the card use and attempted to refund the card on XX/XX/XXXX. Albert denied the refunds. I then sent 2 pieces of evidence to Albert to reopen the dispute. These disputes were again denied and Albert asked I reach out to the merchant to refund a new card. The company sent me an email stating they could not refund a card not affiliated with an account and because I did not have an account the bank would need to take the proper procedures to help refund my money. Albert again denied this claim. On XX/XX/XXXX an email was forwarded to Albert from XXXX asking Albert to attempt chargebacks or dispute accordingly. The email went ignored by Albert. On XX/XX/XXXX I sent the exact same email via text to Albert and at this point Albert acknowledged and have claimed to attempt chargebacks. As of XX/XX/XXXX Albert will not credit my account and according to Pulsz Albert has not attempted any chargebacks. Albert has consistently shown negligence, is EXTREMELY slow to respond, does not give evidence to support their claims, and is in violation of multiple FDIC guidelines. I am asking my funds be returned to me right away and Albert be held accountable for their business practices.

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 2017-12-04
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ProCollect was notified in XXXX, 2017 that I wanted verification of the debt. When I contacted ProCollect, they stated they verified the debt themselves and would not provide me any proof. They stated all they needed to do was call the client. XXXX XXXX, a collections assistant manager is at extension XXXX. She also threatened to notify third parties. This was all on a recorded line.

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 2021-12-10
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I deposited a payroll check on the mobile app with Citibank. They check was going to be held ; so I proceeded to asking an agent thru the mobichat if they could stop the deposit so I could cash the check and I was informed I could cash it. Two days later XXXX the cash checking place I used called me back that the check was returned. After I found out Citibank was closing my account. Ever since then I have tried many many times to get answer to when will I receive the funds from the account when it was closed and they keep giving me different answers. First, they told me they would send a check it should take 5 to 7 buissness days I never received it. After they told me it was 10 to 15 buisness days that I should receive it by XXXX XXXX. Never received it. Now they tell me they never send a check and that they are awaiting the response from another dept. Which I can not talk to to see if the funds are going to be released to me. I have tried escalating the matter, speaking to supervisors. XXXX XXXX XXXX  and have not gotten any answers. At this point because I had to pay XXXX back I am getting wage garnishment to pay XXXX the money back. The check was in the amount of {$490.00}. I have the last account statement that they sent. Which says the ending balance was {$490.00} there is a {$5.00} Non citibank Atm fee which I dont know why because I didnt withdraw any money on XX/XX/XXXX, a XXXX monthly service fee also XX/XX/XXXX and says other withdrawal XXXX. Which I never withdrew because my account was locked.

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 2022-12-15
Company: Experian Information Solutions Inc.
State: NC
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 recently sent in a dispute for correction on my credit report, and nothing has changed. it seems XXXX failed to do a proper investigation required by law. Inquries still remains on my credit report ( hard and soft ) as Ive had no business with these organizations. Also charge offs still remains, and late payments hasn't been placed in current status either. I'm sending in XXXX last and final dispute letter before I go into federal courts if XXXX continues to defame my character and cause me more XXXX XXXX XXXX XXXX XXXXXXXX. I'm being denied credit due to these inaccuracies of debt. XXXX has assumed a vital role in my consumer affairs, so im demanding that they correct my credit report before a suit be filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a secured credit card ... i was approved ... .but i can not make a payment to fund the account ... .the amount was for XXXX dollars, ... ..the company never answers the phone with a live operator ... .wont accept ach deposit to fund the account ... .wont accept payment from a debit or credit card ... ..and no way no shape can i fund it as to no fault of mine ... .now the credit card company is reporting this account on my credit report and soon its gon na show i m late but i m not they wont let me fund it no matter how many ways i try to get the account funded ... ... please help i dont wont a bad mark on my credit report cause the arent letting any make any payment be posted to open the account but the account says there is XXXX available to purchase but when i tried to use it, even though i havent funded because of them it says user not authorized.. dont know what that means and cant find out any thing from calling credit card company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation