BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-25
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This occurred at the Huntington Bank/XXXX, Ohio.On XX/XX/2016 I applied for a personal loan and they correctly requested a copy of my credit report on the same day from XXXX ; which is all fine.After clearing up mistakes made by the underwriting dept. at HB the loan for XXXX was finally approved. On XX/XX/2016 I received a letter from HB underwriting concerning an increase in my HB credit card limit and this is where their electronic filing system failed their underwriting department.He mentioned a possibility of needing to look at my credit report and I assumed they would look at the one HB underwriting requested just 12 days earlier on XX/XX/XXXX.They could not locate the CR requested on XX/XX/XXXX so I am being penalized with XXXX hard hits on my credit report.All banks require any credit requests be processed thru their underwriting departments. HB underwriting 's electronic filing system failed them as they already had my current credit report just 12 days old on record.I have asked HB repeatedly to send a redaction request to XXXX on the XXXX requested unnecessary credit report due to the failure of their electronic filing system to produce the credit report requested on XX/XX/XXXX. 

Why should the consumer be penalized on a request for a XXXX credit report within 12 days of each other? It was HB 's underwriting dept. who failed and still can not find the XXXX credit report requested on XX/XX/XXXX.They deferential respond was their systems are not integrated and much improvement is needed.Credit reports are full of confidential information and should be electronically filed under the applicant 's SS # .HB 's cavalier attitude about the consumer 's credit reports and their confidentiality leaves much to be desired./where is that XXXX credit report? The Banks like this have too much unbridled control over the ordinary citizen ; this is why I have reached out to the CFPB as I am done trying to work with them. 

If you can provide an e address I can send all the written messages back and forth with Huntington Bank as you see fit sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been using Amazon credit card, managed by Synchrony, for years now. Unlike other companies they dont issue paperless statement to other financial companies to be integrated with their system. In my case, I am using XXXX XXXX XXXX for banking and mostly I can received statements via my bank which make it much easier to manage. Synchrony pushes for paperless statement via email which I have signed up and forgot to follow up and missed the payment on several occasion in past two years hence I was charged late fee and interests. While this inconvenient but It was my responsibility. To avoid this I have tried to switch to paper ( mail ) statements twice since last fall. Assuming that I will receive it in the mail but I have not received for XXXX and XXXX and I was charged fees and interests. 
However, this got resolved when I was checking my finances lately very late night and after back and forth with robo chat someone answered my chats and promptly send me refunded the fees and few days after I received the paper statements only when I mentioned that I have no choice but to file an complaint with CFPB. 
However, in my case over few years this seems to intentional action to deceive customer, create extra hurdle and take advantage of the facts that most people don't closely monitor their Amazon account or bother to follow up. Especially follow up is very time consuming and I personally paid the fee instead of wasting about an hour to resolve it. 
This has the potential to be looked into in details and see what is the rationale that Synchrony does not issue seamless electronic statement with other banks and financial institutes? Why resolutions are much more cumbersome and time consuming that other large banks?

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 2017-05-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute  XXXX   XXXX  and  XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent a Money Gram for {$490.00} to an individual. I received a notice from someone supposedly in the same office that the recipient received the money but had an automobile accident and because of some electronic problem I was asked to send the same amount of money in order to re- ceive a refund. I was n't going to make a second mistake by complying. I attempted to speak with personnel from Money Gram, but between the person 's accent and poor telephone connections, I am unable to understand most of what she is saying except that the person did receive the money. She attempted to tell me what I should do, but most of our con- versant was unintelligible for me. Of course, no service was given for my laptop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Ditech Financial LLC
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Took out a payday loan and paid it off in full in XXXX 2014. I called the company directly after I received the collection call and verified the account was paid off. Someone called today claiming to be from XXXX XXXX firm. Told me theat my account was delinquent and that I needed to pay ~ {$600.00} or there would be legal action. This individual knew my name, email, and social security number. I did not pay anything to this individual and was instructed to call them back today or else risk the legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Bank of america closed my business cash rewards credit card, and forfeit my rewards of {$2800.00}. 

And i requested to redeem around {$2000.00} rewards before they closed this account but due to the bank reason the redemption did not go through, the redemption record should exist on the website, but they immediately closed my online access to the credit card when closed this account. 

Plus, when i tried to contact them, you can not imagine how hard to catch hold of someone from boa credit dept, especially when they know it was me, they put me back to the line to wait, canot imagine the public co reputed BOA rep did this unprofessional, disgusting way! 

Three points : 1st, i dont think the reason why they closed this account is strong, i had been paying the card on time, only one time was late before they closed it. 
2nd, they should not forfeit my {$2800.00} cash rewards 3rd, they should not stop my redemption go through when i redeemed before they closed 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 2022-03-14
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX  Loan have been TOTALLY DISCHARGED XXXX on XXXX XXXX. Each Credit Bureau Experian, XXXX and XXXX have REPEATEDLY ADDED TO MY CONSUMER REPORT. 

This is INTENTIONALLY ABUSE, ANGUISH, HARASSMENT, AND FRAUDULENT ACTIVITY. Induced damage and low Credit Score and denied credit for my BUSINESS AND PERSONAL. 

15 U.S. CODE 1692k a ( 2 ) 616. 15 U.S. CODE 1681n ( b ) I have tried to resolve this issue with them on numerous occasions. 

NOT CLOSED DELETED!

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 2020-12-09
Company: American Financial Network Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello! My name is XXXX XXXX and I was working with XXXX XXXX XXXX with Amercian Fincial Network out of XXXX. We started working on the mortgage loan process at the end of XXXX! I have a car that I am paying a note on and I had to put that info on the application! I have a text message where I told him about my car note on XXXX XXXX. We got to the final part of the underwriting process ( XXXX XXXX-underwriter in California with the same company ) to tell me that my car note popped up! XXXX told me this on XXXX XXXX! The car company been on my credit since XXXX! Of course, since he didn't factor this in, h it my debt to income go higher! I understand that, but he should of stopped it at the beginning! When I reported this to his supervisor, XXXX, he statement was, I will tell XXXX to stop the deal because we do not need the headache, we close billion dollar deals ''! This was very unprofessional! Due to this horrible process, I lost almost {$3000.00}, displaced from my home! I am a single parent with XXXX kids and now have to figure this out since he made a very huge mistake! I do have the text message when I told him about the car note

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Ocwen Financial Corporation
State: NY
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 am XXXX  XXXX  Military deployed or assign XXXX  for most of the past decade. 
I am a homeowner in New York, my Home of Record. In XXXX that property was damaged by flooding by Hurricane Sandy. My Mortgage was with XXXX XXXX   but was serviced by PHI Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX Phone XXXX XXXX XXXX. Continues to report negative information on my name to the credit bureau years after the Mortgage company was transferred to the current mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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: Information belongs to someone else

Complaint:
Someone opened a fraudulent account in my name and needs to be deleted

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 2019-10-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX , XXXX, As Trustee For Stanwich Mortgage Loan Trust A and Carrington Mortgage Services LLC have, and are in violation of New jersey Statute 52:15D-13 WHICH CLEARLY STATES THAT ANY INSTITUTION SERVICING A MORTGAGE OF AN INDIVIDUAL IN RECEIPT OF THIS CERTIFICATION IS OBLIGATED UNDER NEW JERSEY LAW TO GRANT A  PERIOD OF FORBEARANCE BASED ON THE PARAMETERS OUTLINED ABOVE. 

I had received this certificate of eligibility on XX/XX/2019, which was 39 days before the sheriff sale, in which the above named companies proceeded with by deliberately violating state law by ignoring and refusing to honor, comply, obey, recognize and abide, in which they are, and have been instructed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: First Associates Loan Servicing LLC
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I XXXX from XXXX XXXX XXXX in XXXX XXXX, MI XXXX in XXXX, 2011. I received a federal student loan & also a student loan through XXXX ( XXXX ). I can not afford the payments for this loan. No one will touch this loan to refinance it because it is through XXXX. They will do absolutely nothing to work with me. In the beginning of XXXX, I called to speak to someone there & phone rep told me that I had 180 days to catch up on my current payment before it would affect my credit. Sure enough, they have reported to the credit bureau that I am behind. I am currently trying to obtain a mortgage & have had a clean credit report for the past XXXX years until now. Because XXXX reported my student loan after telling me that I had 180 days to pay the difference I owed. My credit report states that I am over {$500.00} behind. My monthly payments started out at {$220.00} & approximately 90 days later, they raised the monthly payment to {$340.00} per month. I can only anticipate they will continue to raise it. I currently owe them nearly {$1500.00}. Additionally, XXXX has been XXXX big scam from day XXXX. They did not follow through with the services they promised, such as job placement. I owe nearly {$60000.00} in student loans for an XXXX XXXX. Not to mention, this private loan they conned me into. 
I am fortunate that I did find a job on my own, however, it does not pay as much as I would like. My wife works part time & has a student loan as well. So we have XXXX total student loans that are close to {$100000.00}. Something has got to give.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a phone call on my cell phone demanding to talk to someone that my number does not belong to. I do know the person but I very seldom talk to her. I informed the person calling that I no longer talk to this person and he got angry and said I need to tell her to call him. I again told him that I did not talk to her anymore and he got more nasty and told me that she put me down as a reference and I needed to tell her to call him. I again informed him that I did not talk to hardly at all anymore and he said that he did not pull this ( my ) phone number out of thin air and to give her his number. He refused to listen to me that I did not talk to her anymore and continued to harass me about her. I finally told him I would take his number just to get him to leave me alone and stop harassing me. He would n't tell me who he was with so I had to use a reverse phone directory to find out who was harassing me. It seems that the person he was calling about owes money, this has nothing to do with me, I know nothing about this debt and he would not get off my phone. he got nasty and kept harassing me about someone I no longer live with or talk to very often.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I can not access my account and never received the credit card. I am attempting to make a payment as I have made a purchase on my XXXX account. The customer service representative can not accept payments and the automated system that it refers you to only hangs up XXXX. The customer service rep for XXXX said she does not have another number that I can reach out to Synchrony Bank at she told me to call back after XXXX. I ca n't get out of a loophole with simply trying to obtain my credit card and simply making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Empowerment Ventures, LLC
State: MD
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
RushCard has stopped me from taking money out of my account I have tried to contact them for the last XXXX hours and I 've been put on hold for at least XXXX hours and then hung up on or I will talk to a supervisor and they will put me back on hold and they will hang up this has been an ongoing problem I see charges on my account that I have not purchase anything because I have not been able to use my card I 'm not able to pay my bills because they 're holding my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Transaction issue

Complaint:
Hello I am using Amex credit card, i purchased apple watch from XXXX local store on XXXX/XXXX/2016 for {$370.00} for my wife and she just changes her mine and we return that apple watch at same place in ( XXXX ) store on XXXX/XXXX/2016, When i checked online in my credit card account i see instead of credit of ( {$370.00} ) on XXXX/XXXX/2016 they charged me again so they charge me again. 

I called Credit card company twice and they just give me credit of ( {$370.00} ) and still they need to give me credit of remaining {$370.00} since they charged twice. 

Also XXXX charged me {$370.00} in my XXXX account as well and when i called even XXXX representative not responding properly. 

Can you help us here please. Let me know what legal documentation you need any statements or item return bill from XXXX company. 

Thank You XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient would not let me have a lower monthly payment or work with me at all when I had my son and I was unable to work. They kept calling me asking for {$50.00} for a forbearance and told me that was the only thing I could do if I could n't afford the high payments. I recently got a littler frommthem stating my account was under litigation review. When my mom called them they told her that the situation would go away if she just paid {$50.00} on each loan to put the loans on forbarence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt collector helps calling me from a bunch of different numbers and asks me to verify my SSN. I have repeated told them to stop calling me and to write me if they need something. but they keep calling

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 2022-07-09
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-11-11
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold from first mortgage to freedom mortgage without my knowledge. I was finally made aware of the change after trying to access my online account with first mortage to make a payment with no avail. I spoke to a representative whom informed me of the changes, and I promptly contacted freedom mortgage. They said they had sent me information, however it was never received because the info was sent to the wrong address. The representative took my new mailng information down, and informed me that I had a 60 day grace period to pay my mortgage. Today less than 30 days later I received a letter from first mortage stating that I was 30 days late on my mortgage, and the information had been sent to the credit agencies. I am trying to avoid a ding to my ( and my co-signers ) credit, due to misinformation provided by my new mortgage company. As well my home is for sale, and will be closing by XXXX XXXX. After speaking with a representative last week, he was made aware of the circumstance, and never made mention of the negative effects that could occurs if I did n't pay. After that conversation I was still under the impression that the 60 day grace period was still in effect and that my credit was still to remain in good standings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation