BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: General Mortgage Capital Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Complaint against Gmccloan There are no direct numbers to contact a manger We have tried reaching several times We were trying to refinance our property between XXXX and XXXX XXXX The brokers involved have increased our loan amount ( fraudulently ) On investigating the broker let us know that thats how they do business On further invitation from us we figured out that they have misled us To begin with the loan amount did not match the actual loan amount The actual Loan amount was {$440000.00} ( mail and text reference to the broker ) Their paper work Revealed that she stated on the paperwork At {$440000.00} During closing ( if we had signed ) The pay off amount was {$440000.00} She still insisted that the new loan will be for {$440000.00} Came up with a story of how it took close to 90 days. Now for any person If that was true {$440000.00} is not equal to {$440000.00} And {$440000.00} is not equal to {$440000.00}. 
Kindly help us and others so she does not do the same to other customers When asked if we will get a credit she was unable to explain and started yelling at us The broker involved uses XXXX discriminatory words This company is defrauding the customers by increasing the loan amount and starting the loan on falsified amounts as well. On our repeated requests to them they did not produce the paper work, finally yesterday before the intended closing the numbers were not matching up, the broker was not ready to resend the paper work back to the underwriting firm, We requested her to repeatedly connect with her superior she ignored the request. On calling the Escrow office it was confirmed that they take the numbers from the broker she alone is responsible for the incoming numbers.

GMCC Loan Brokers Involved XXXX XXXX ( XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX Direct Number : XXXX XXXX XXXX NMLS : XXXX XXXX : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ext XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
will attach photos of the paper work that confirms the closing of my account around the months of XXXX. 

I made a few payments with this company before my billing cycle and they were reversed. This was a secured credit card that I placed XXXX $ limit. Due to me having too many reversed payments within a short period of time after me opening the card, they closed my account. They used my XXXX $ I placed on the secured credit card towards my Balance of the account. They sent my check by mail paying me {$19.00} around XX/XX/XXXX. The account was supposed to be closed. They kept my account opened and within The next billing cycle of XX/XX/XXXX I had a new balance of {$100.00}. This was a reversed payment with XXXX XXXX. This is one of the reversed payments that made the creditor close my account When I made the phone call with the gentleman to discuss the closing of my account. I asked if there was any way to keep my account open due to me wanting to work on my credit and I just got approved for the secured credit card. The gentleman told me no and he would use my XXXX $ deposit towards my balance and it came out to XXXX cents so they sent me a check around XX/XX/XXXX for {$19.00}. After I was told that I cut up my card immediately and never used the card again. There are charges on this card in the month of XX/XX/XXXX I was post a picture as well that none of them were made by me. I have charges in the state of California, XXXX OH, XXXX OH and XXXX Ohio. I do not go in any of those areas. As Im taking pictures of the monthly statements. Citi did not send me the XXXX XXXX statement as this is one of the most important statements due to my account closing before 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 2021-04-25
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
AMEX abruptly canceled two of my credit cards and eliminated all my reward points while denying payback for unused Annual fee. Over {$1300.00} is LOSSES and problem escalated to CEO XXXX XXXX who ignored my direct request for : 1. Arbitration 2. Written transcript of " allege '' comments 3. Reimbursement of LOST reward points, Annual fee, and blue of credit score dropping over XXXX points. 
XXXX. Cancelation of two Credit Card accounts AMEX XXXX XXXX  and Hilton Honor ) XXXX  - xxx- XXXX ; Hilton Honor - XXXX ( BOTH accounts closed in XX/XX/2021 XXXX. 

Unethical to make an accusation and NOT give a 20 year customer any communication or or evidence or opportunity to resolve conflict. 

CEO Mr XXXX has been notified who once personally thanks me for giving feedback to AMEX and now ignores me complete. AMEX " lower level assistant '' ignore written feedback and won't identify them selves. Elementary and bullying agency after 20 years of commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I reached 80 % L.T.V. on my mortgage in XXXX 2016. I wrote and e mailed a request to have P.M.I. dropped to no avail. At 78 % L.T.V. it should have dropped automatically but it didnt. I have spoken to 10 different people at Key Bank about this and no one cares or does anything to rectify the situation. They gave an excuse that it was still in effect because I owed a {$45.00} late charge which never appeared in any of my monthly statements. I paid it and still I am being billed for P.M.I. for 15 months after it should I have been dropped. I have never dealt with a company that has treated me so poorly and has shown zero interest in resolving the problem. Currently I am investigating if what they are doing is even legal and looking into filing a complaint with the Attorney General 's Office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
There is unknown charge-off on my credit reports. Im requested the verification of the collection and the method of verification. BANK OF AMERICA Opened XXXX XXXX, XXXX For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

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 2020-08-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Me and my mother pay for the mortgage, her {$550.00} makes to the company and they count the payment. My payment of {$550.00} however makes it 1-3 days before the due date, they do not count this to the amount owed ( {$970.00} monthly ) and instead says it is extra principle. I now have an extra late fee of {$38.00} that was charged to my account for the last 3 months ( due dates of XX/XX/2020, XX/XX/2020, XX/XX/2020 ) and now my amount owed is XXXX. 
The last time we contacted them about this the first time it happened they refused to refund 1 of the 2 late fees. 
Being that this issue is repeating and that they will refuse to refund all but 1 late fee i'm making this complaint.

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 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 CapitalOne360 bank received a XXXX dollar deposit however several months before that I was told they no longer wanted to do business with me and my account would be closed. If that were true they should have never accepted the deposit. I contacted them and asked them to mail me a check and close the account it's been over a month with Sill no check and a different excuse everytime I call

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Better Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage with Better Mortgage Corporation several months ago. One of the reasons I chose Better Mortgage is that Better promised to give the borrower {$2500.00} XXXX XXXX statement credits between 8-12 weeks after the closing of refinance. My refinance was closed on XX/XX/29 and it have been over 15 weeks and I did not see any XXXX XXXX Statement credits. Contacted Better a couple of times to inquiry about this, and reply was 'it has just processed ', but apparently it is not happening so far. I can only hope Better would deliver what was promised to the customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
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 have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported to my credit report an account which I believed was not a valid debt and didnt belong to me.
I sent them by certified return receipt mail a debt validation letter dated XXXX XXXX, 2017, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violates my rights and refuses to delete the account despite not being able to provide the original debt instrument.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
payments was affected due to COVID-19. Chase Auto reported 60 days late on credit report for month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: SYNCHRONY FINANCIAL
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:
To Whom it May Concern : I made an appointment with XX/XX/XXXXXXXX XX/XX/XXXX for an annual exam to get prescriptions for monthly medication for heartworm, and flea and tick preventative, and a heartworm test. I asked if they had a vet that was familiar with XXXX XXXX skin issues ( which were not serious at the time ), and was told that I should see XXXX XXXX. 

I was given false information from the vet and the vet technician regarding the medication that was recommended. I followed the vets instructions exactly. As per the vet, I was to contact her in three weeks for a follow-up consultation. 

My dogs skin issue got increasingly worse. When I tried to contact the vets office, they were closed with no date for reopening. I also needed to fill a prescription ( via phone or fax ) for XXXX and XXXX. I had no other decision except to get an appointment with another vet to both check my dogs skin problem and to be able to fill necessary prescriptions. 

XXXX XXXX XXXX never contacted me regarding my dog. The only call that I received was to discuss the disputed Care Credit charge. The receptionist refused to let me speak to the vet. 

When I received the decision from Care Credit ( Synchrony Bank ), the statement from XXXX XXXX XXXX office was full of lies. And I have never received another call from their office. 

I have never disputed a credit card charge, but I felt that I had no other option. I paid a lot of money for medication under their misled guidance, had to pay for another vet appointment in order to get him looked at, and to order prescription medication. There is a principle involved they should not be allowed to falsely recommend costly medication, the animal gets worse, and there is no follow-up discussion. Also, my dogs preventative medication needed to be ordered. And it appears that they do not care. 

Thank you for your time and understanding. 

XXXX XXXX Note : Please see the attached documents for more detailed information.

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 2020-10-15
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian continues to list outdated accounts on my credit report. Ive sent several letters as well as filed a previous complaint requesting the removal of the outdated account and the account remains on my credit report. 

The results of their most recent investigation also concluded the account was old and outdated, yet it remains on my report. See attached. In response to the most recent complaint, Experian stated According to our records, the disputed item does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. 

In reviewing the attached screenshot all will discover that is an outright XXXX, as the account still remains on my report as of todays date XX/XX/2020. The " current copy '' of my credit report they stated they would send arrived but it did not belong to me it belonged to my XXXX. The same account is also listed on her credit report. Experians response indicates their systematic commitment to reporting inaccurate information to increase their profit margin. 

Despite three written requests, the outdated items still remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2021-02-23
Company: Synovus Bank
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:
I defaulted on a credit card with First Progress, date of first delinquency XX/XX/XXXX. It became a charge off and I paid it in full XX/XX/XXXX. I started sending goodwill letters in XX/XX/XXXX as I was trying very hard to clean my credit report. First Progress changed the information in my credit reports ( XXXX  and XXXX ) to a brand new charge off in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX so it is showing on my reports as a brand new missed payment, derogatory charge off every month. 

This is causing severe damage to my credit score and has caused me to be turned down for loans and credit increases through my bank, XXXX XXXX XXXX XXXX. I have disputed with the credit bureaus, XXXX XXXX XXXX  and the company directly to remove the false reporting. They refuse to do so and keep reporting it as a brand new charge off every month. 

I realize I made a mistake in XXXX. I paid for my mistake in full XX/XX/XXXX. They are not allowed to keep reporting as a brand new charge off every month. 

I spoke at length with the XXXX following my attempts to fix this. The company admitted what they were doing and claimed twice the fixed the issue. XXXX recommended I take a complaint through CFPB because of the companys illegal reporting. ( Ref # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted original devt holder disputing this charge however attempts to collect continue so I want to offer XXXX to settle debt and have company update with credit reporting bureaus to prevent financial problems due to my financial hardship.

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 2018-04-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Case # XXXX I had my personal doctor process notes paperwork with my personal information on it DOB, Soc number, telephone number, email address, insurance information, other personal information about me. I also had money, my Fifth third debit card, make up and car keys ( XXXX to replace keys ) in my bag. I had my bag stolen from my therapy work out session. The Suspect that stole my items used my Fifth Third debit card on transactions that I didn't authorized I contact Fifth Third bank the same day the theft occurred to have them to block the debit card. Later I discovered that my card was used to purchase goods and services that I didn't receive The suspect order XXXX XXXX concert tickets in the amount of {$170.00} ( I don't listen to Blues music ) and made other fraudulently transactions with my debit card. Then later the suspect had hack compromise my account with Fifth Third bank I had to go into the Fifth Third branch to close my account and stop all my direct deposit due to the suspect made numerous attempts to get money out my account. I contact XXXX XXXX and informed them that the purchase in the amount of {$170.00} was made without my permission, and that my debit card was stolen. The suspect was never able to use the tickets but XXXX XXXX still charge me for the fraudulently charges of {$170.00} my Fifth Third Bank had given me a temporary credit in that amount but on XX/XX/XXXX Fifth Third bank reverse that money back. I shouldn't be held accountable for this fraudulently transactions I reported this to the bank and contact the Merchant. I file a report with your company also in XX/XX/XXXX and XXXX at Fifth third bank ( XXXX ) XXXX contacted me concerning this case but she didn't resolve the matter. The suspect had all my personal information so the suspect could put my personal information such as name email address and physical address into the computer to obtain goods. These transactions were made over the internet. Fifth Third bank is FDIC and are to secure my money at all times. I did the appropriate procedures to file a claim with the bank and i followed all the guidelines and also file a police report I would like for the bank to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: DISCOVER BANK
State: VA
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/2019, I disputed an item billed to my account in the amount of {$910.00} based on the quality of services I received. I had purchased entry into an establishment which had falsely advertised a XX/XX/XXXX show. Due to the amount of money involved and because our special occasion had been ruined, I contacted the merchant to advise of my problem. The merchant was initially unresponsive, but then slow to come around and try to help me. I called the credit card company to ask how much time I had to file a billing dispute since I was trying to work with the merchant. They told me that I had no time limit to file it. When the merchant finally admitted to wrongdoing, it attempted to comp me another night at the establishment. I advised the merchant that I did not live in the area, that I was only there for a special occasion, that this special occasion had in fact been ruined due to their false advertisement, with guests who had flown across the country to be there, and I asked for a credit back to my account. The merchant again became unresponsive. This time I called the credit card company back to initiate the billing dispute. The merchant had gone back and forth with me, but in the end had resolved nothing and became unresponsive. The credit card company began an investigation and issued a temporary credit. I sent in all email correspondence to them with documentation of the false advertisement. In XX/XX/2019, I received the results of the credit card company told me that the results of the investigation told me that they could not help me because 1. ) the time had elapsed in which they could take back the money from the merchant ; 2. ) that I needed to have something in writing from the merchant agreeing to credit my account. I told the credit card company that I was given the wrong information by the representative when I initially called, that they had in fact told me there was no time limit to file a dispute. Second, the credit card told me that the merchant 's offer to comp me was not enough for them to protect my account and give me a credit. I let the credit card company know that this is why I was turning to them for help, because I was unsuccessful in getting the merchant to do it. If I had to get the merchant to agree to a credit or refund, then what protections is my credit card offering me? Why would I need to seek their help if part of the requirements are that the merchant must agree to a refund or credit in a dispute? This defeats the purpose of a dispute. I called in recently wanting to pay off my card and sought to again speak to someone about this, because it seems like an unfair practice what happened. I was given the same information. The credit card company is unable to help me.

Company response to consumer: Closed with explanation