BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-30
Company: Eagle Home Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Universal American Mortgage Company , LLC ( UAMC ), committed multiple violations of CFPB and Federal Regulations during my evaluation for Loss Mitigation Workout options. The application contained inaccurate financial information, which differed from the evidence submitted and was not discovered or properly reviewed. There was a violation of dual-tracking as well. After being denied for Loss Mitigation Workout, I appealed the decision within the allotted time ( 30 days ). While reconsidering loss mitigation options following the acceptance of my appeal, UAMC 's lawyers submitted a Motion for Judicial Sale of Property. The excuse I received from UAMC 's Foreclosure Department was a lack of communication between their department and the Loss Mitigation Department. Their lack of communication resulted in my appeal being denied on XX/XX/XXXX, and a sale date of XX/XX/XXXX. Now I have 6 days until the sale date and UAMC is refusing to rectify the situation.

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 2015-06-18
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have not received a statement from Greentree since XXXX. the last correspondence i received was an escrow analysis that was dated XXXX XXXX. I have called at least XXXX times a month, every month they say XXXX is in the mail. I was guaranteed this month that one would be in the mail by XXXX XXXX, I am on the phone again, and they are telling me they once again did not mail XXXX. I am on the phone with XXXX id # XXXX who claims to be a supervisor yelling at me telling me i am lying. It is appalling that all i want is XXXX statement to pay my bill. I have XXXX mortgages and XXXX car payments. Please explain why this is the only company that can not get me a statement. I am now talking with XXXX, Lead id # XXXX he is saying that the flag was just removed this month. Greetree will NOT send me statements this is absolutely frustrating. Why is it i get the escrow analysis and offers to refinance but i can not get a statement

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 2016-07-23
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello my name is XXXX. since I purchased my property 22 years ago the API was at 9 % too high! & still is. because of the economic issues that been going on and because of my age ... I have n't been able to make my payment on time every month. my only income is my Social Security it 's not that much. No bank wants to help me to do a modification so I can lower my APR. Can someone help me or Direct me to the right person to get some help. My phone number is XXXX thank you in advice!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Commonwealth Financial Systems, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX a collection company attempted to collect XXXX debts from me that were not mine. They used a variation of my name and home address including an apartment number for my home. I filed a complaint with the attorney generals office in XXXX, WA. I did not hear any more. In XX/XX/XXXX ( 6 years later ) Commonwealth Collections ( a subsidiary of XXXX collections ) attempted to collect these same XXXX debts with a variation of my name and the same erroneous apartment number for my residential home address. Once again I referred the matter to the attorney generals office. The AG filed a complaint on my behalf but they ca n't impose resolution. Collections agencies are simply junk debt sellers and this is what is happening. They know this is n't me but they sell the contract from one company to the next and nobody is successful at getting these criminals to cease and desist. I want them stopped..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
I opened a Stash Rewards credit card and set up my online account. I made a few purchases then XXXX large purchase of around {$2200.00} that was declined and set off a fraud alert on my account. I called Synchrony Bank to inquire why the transaction was declined and the told me I needed to send in identification verification to them in order to lift the hold from my account. They said it had to be mailed in and not sent by email. I mailed them the items they requested. Two weeks later I called them up to find out the status and was told they did receive my ID documents and still needed to review them. She said I would be informed of their decision in 7-10days. Three weeks have passed without a word from them. Today I received an email stating my payment is past due and to log into my account to make a payment. I attempted to do just that but I 'm still locked out of my account. 

I sent the documents they requested and still have no access to my credit line or the ability to make a payment. I need help resolving this matter with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27
Company: Creditors Specialty Service Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Re : Creditors Specialty Service, Inc. XXXX XXXX XXXX, XXXX , CA XXXX XXXX I was in a XXXX on XXXX/XXXX/XXXX for which I was not at fault. The other person 's car, ( the driver was not insured ), was towed to XXXX XXXX XXXX. That company said I was responsible for the storage in the amount of $ {$1100.00}. An attorney for my insurance company said I was not responsible. Creditors Specialty Service was asked to collect from me for XXXX XXXX XXXX. Creditors Specialty Service contacted me by phone and letter at least four times. They filed a claim in small claims court around XXXX XXXX. They did not show up in court and the case was dismissed. I received a letter from Creditors Specialty Service dated XXXX/XXXX/XXXX entitled " request for update. '' The letter implied that my credit would be denied if I did n't pay the {$1100.00}. I called Creditors Specialty Service and told them this was harassment. They said they would remove the case from their files. It concerns me that other people would pay the amount due because of the threatening nature of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Ray Klein, Inc.
State: OR
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:
On XX/XX/2016, I paid the full balance owed on a judgment that Ray Klein Inc in XXXX Oregon in the amount of {$630.00} had against myself. We are currently trying to buy a house, so we were paying off debts in order to bring our credit score up. It has been 13 days since the debt has been paid in full and the debt is still not showing that it has been satisfied and is still lingering as unsatisfied with the XXXX County Court System. Calls have been made by my mortgage broker to Ray Klein in order to have this debt removed from my credit report. Nothing has been changed and they have not disclosed when this will be shown as satisfied due to their constant excuses. When they want the debt paid, they harass without any problem, garnish wages, sue people without an attempt at even collecting on the debt, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, they drag their feet. The people my mortgage broker and my husband have spoken with know we are currently in the process of purchasing a house and at this point is feels like they are purposefully holding out on showing the debt as satisfied. They also failed to tell us that they had other debts they were holding besides the judgment until we were ready to pay the judgment in full, with the exception of a past medical bill from XXXX. So now we are still paying a debt through this shady company who failed to inform us of further debts owed with a high accrued interest balance. I want this issue corrected in a timely manner, which they have failed to do and feels they are purposefully holding out on.

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
Consumer complaint received 2022-08-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit card applied for at Macy 's on XX/XX/2022 in my name, under my social security number but I did not open this line of credit. I contacted Macy 's and they closed the account and started an investigation. On my credit report I also noticed that the address associated with this Macy 's credit card was XXXX XXXX XXXX XXXX XXXX XXXX. I have no associate with that address either. I have flagged this address as fraud through XXXX as well as reported the Macy 's line of credit. I have also have locked my credit reports for further prevention.

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 2021-04-26
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Attempted to remove credit infromation regarding a failed business venture with my personal credit being compromised several times prior. XXXX  claims there is a settlement in the works, but I shouldn't have to wait to settle an issue I've ben having since I began using my credit to attempt to get a car, business loan, and house through XXXX XXXX, XXXX, and XXXX  XXXX XXXX. Feels like discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Capital Markets Cooporative, LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for an equity credit line only to be declined because unbeknowns to me the mortgage company had placed a lien equal to 150 % of the loan on the property. I 've contacted the company, CMC Funding ( they use XXXX to service their loans ) regarding releasing the additional 50 %. After several emails and XXXX phone calls assuring me that they would be quickly getting back with me I have heard nothing from them. My request was pretty simple but they seem content ignoring me. If by chance I did sign something in the closing documents that allowed then to increase the lien on the proerty to 150 % of the loan value it was done in a very deceptive manner. None of the previous loans that I have had ever had anything like this and if something this restrictive was added to the loan documents it at a minimum should have to be made crystal clear to the applicant as part of the truth in lending. It appears to me that if I took action using the Kentucky Revised Status that they could consider me in default of the loan, which seems absurd but even my personal bank did n't understand the process and that is why I 've tried to deal with CMC/XXXX regarding this issue in a civil manner but apparently they do n't operate under the concept of real customer care. If I had known I would have either negociated it out of the terms of the loan or found a different mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by IC systems approximately 1 month ago requesting payment for a debt that I had previously paid over 2 years. After I informed them of this, they indicated that because the company was based in NY XXXX, the state laws require the company to validate the debt first -- if they could not validate that the debt was not paid, there would be no additional action. At that time, the collection had not been reported to my credit report and I was explicitly told that if the company could validate that the debt was not paid, it would not be reported until I was contacted to provide additional verification. Approximately 1 month later, I was notified that there was a new collection placed on my credit report. When I called IC systems to inquire, the indicated that the debt was validated as still outstanding by the vendor so it was reported to the credit bureaus. After extensive discussion where I indicated that this was not the agreement made with the previous representative, I was told that they only way they could " delete '' the listing on my credit report was if I paid the debt but that this was a " XXXX time '' agreement and I needed to make the decision now. Because I had paid the debt previously, this amounted to extortion - I was forced to make a decision to pay the debt again or deal with ongoing disputes with credit agencies providing documents verifying the amounts ( which I have ) with not certainty that it would be removed. Given the lack of certainty and the fact that I was " forced '' to make a decision on the line, I opted to pay the debt. 

At this point, I have already paid the debt and hopefully this will be deleted from my credit reports as promised. That said, these practices at the least are extremely unethical and most likely illegal. First, misleading me about the process with respect to a dispute process and then posting to my credit report without informing me about the result of that process is bad business practice. Second, threatening that deletion would not occur if I did not pay over the phone is extremely disappointing and represent extremely questionable tactics on the part of the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I sent letter stating that I am XXXX and " judgement proof. '' I included the FDCPA " Ceasing Communication '' statement. This letter was mailed to the Barclay Bank address on file for customer communications on XXXX XXXX, 2016. I have received multiple calls daily and five calls today from this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30
Company: USA DISCOUNTERS LTD
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had leased items from USA discounters My apartment got broke into twice and I just got back from XXXX and was XXXX I 'm now XXXX I submitted police reports and inventory and they would threaten me call my chain of command and kept making me make payments on items that where supposed to be covered in the event of theft now its on my credit cause me problems iv got copies of the emails from them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I contacted Syncrony Financial over the XXXX to close a Care Credit account. I spoke with a customer service rep and confirmed several times that the care credit account was paid in full and would be closed. It turns out Syncrony did not close my Care Credit account and recently sent me a new plastic card. I just called and the customer service rep told me an account related to a mattress purchase was closed. The last activity on this mattress account had occurred in 2009 and should have been closed at that time following a phone call I had made to close the account. It seems Syncrony is not closing accounts as requested.

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 2015-04-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Payed off the balance due in full on a Walmart credit card by electronic transfer of funds from our checking bank account. Walmart took the payment and credited the credit card account for the amount but will not make the line of credit available again. They have said it is their policy in the event of large payments ( which this one was ) to wait to make the credit available again until there is no chance we will cancel our electronic transfer of funds from our checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving calls and collection statements from XXXX XXXX XXXX. I paid this debt in a settlement in XXXX 2015. I have disputed the debt with the credit bureaus but They continue to call me and to collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My father passed away XX/XX/XXXX. He had a mortage through PennyMac. The mortgage was being paid by myself and my sister through XX/XX/XXXX. The house is currently in escrow to sell ( not a short sell ). I am the trustee of my dad 's trust which includes his home. I have provided PennyMac all the documentation ( death cert, trust, copy of contract for the sale of the house etc ) in order to discuss loss mitigation and my options. pennyMac will not assist me by talking to me, stating they need a signed authorization to discuss the loan. My father can not provide that as he passed away. I am worried that before escrow closes ( set for XXXX XXXX ) that foreclosure process 's will start. I do not understand how PennyMac can not speak to me regarding the loan, how they cant se4em to understand my father is dead. I have been very proactive in trying to avoid foreclosure. Please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
PayPal has a repeated POOR BUSINESS PRACTICE of taking money for payments but then holding the funds for and extra week before releasing the available credit, even though they have the customers money. This practice is completely WRONG and PayPal needs to be investigated for wrongfully taking cash from their customers and holding it hostage, putting customers and small businesses at risk. Please investigate these unacceptable business practices and force PayPal to correct these unethical business practices.

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 2016-07-19
Company: Mercedes Benz Financial Services
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I recently notified Mercedes Benz Financial Services that they had not updated my balance with the credit reporting agencies in months. They responded to my email and stated that they would update my credit reports to reflect my current balance. Today, I checked my credit reports and Mercedes Benz Financial Services updated my credit reports to reflect that my CURRENT balance was {$53000.00} which is higher than what I even purchased the car for. I have made all payments on time and my correct current balance is a little over {$49000.00}. After MBFS updated my credit reports with this incorrect balance of {$53000.00} my credit scores dropped as much as XXXX points. I called MBFS and the agent did not understand what I was complaining about. He was very rude and condescending. It is apparent that MBFS simply does not care. 
How it is possible that the balance MBFS reported in XXXX 2016 is {$50000.00} and in XXXX 2016 it is {$53000.00} with perfect on-time payments? Please see attached report from XXXX reflecting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
On XXXX/XXXX/XXXX we made a purchase of {$3000.00} with a promotional credit offer of 18 months @ 0 % interest. I was able to make all the payments on time and in excess of the minimum payment due of {$160.00}. By XXXX XXXX I had a balance of {$960.00} with 10 months to go on the 0 % offer. On XXXX/XXXX/XXXX I called Synchrony Bank to reduce the minimum payment to {$100.00}. The first agent was un helpful. I waited XXXX minutes to speak to XXXX XXXX XXXX XXXX, who refused to do anything. Her supervisor was unavailable. I asked how I could register a complaint. She said she could submit XXXX on my behalf or I could mail XXXX in to their corporate office. I told her to submit XXXX and give me the adress so that I could mail XXXX in as well. I also told her I would be submitting this complaint.

Company response to consumer: Closed with explanation