BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services began servicing my 30 year fixed rate mortgage in XX/XX/2014, it was transferred/sold to them by XXXX Mortgage. They have refused to provide any statements on my account. The only information I have available through their website for billing is the monthly/total amount due. When they took over my loan, my payments went from XXXX to XXXX and I don't know why without them providing any documentation on my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, U.S. Bank offered me a loan modification following a successful trial period payment. The loan modification documents are attached to this complaint. 

I signed the documents on XXXX XXXX, XXXX and promptly returned them to U.S. Bank for their signatures. They signed the documents on XXXX XXXX, XXXX. The finalized loan modification agreement is recorded on XXXX XXXX, XXXX XXXX of the XXXX XXXX county public records. 

The terms of the loan modification agreement established that my monthly payments were to be {$720.00} per month. {$470.00} for Interest and Principal and {$250.00} in Escrow payments. ( see attached ). 

On XXXX XXXX, XXXX, following the ratification of the agreement, I spoke to a U.S. Bank representative who assured me that I was now out of loss mitigation and my monthly payments would be {$720.00} as agreed. 

When I attempted to make payments on my loan, U.S. Bank refused to accept them. On XXXX XXXX, XXXX they stated that I had to pay approximately {$850.00} a month, otherwise they would not take my payments. He also claimed that they would later reimburse the excess back to me. 

U.S. Bank unilaterally breach our contract. It refused to accept my payments and now alleges that I am in default under my loan and that they will foreclose on my property. 

I have a legally binding, recorded contract with U.S. Bank. They offered and accepted the terms of the agreement. They recorded the agreement and accepted {$31000.00} from HUD to proceed with the modification. They have benefited in every way, yet refuse to accept our contractually agreed payments and are now attempting to take my home away from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a notification from US Bank telling me that there was an address change on my business account and to call them immediately if I did not request an address change. However, when I called US Bank, the customer service representative told me that they had closed my account. She told me that usually they would send a notification, but I never received any notification of them closing down my 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 2016-09-22
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Simple ( https : //bank.simple.com ) on or around XXXX XXXX 2016. I subsequently deposited a check for a sum of over a {$1000.00} afterwards. I was notified that it took some time for checks to clear or for accounts to be verified. I tried to use a debit card that was issued to me in XXXX on around XXXX XXXX. The card was declined. I contacted Simple and received this message " Thanks for writing in! It looks like we 're just in the process of verifying the account, so hang tight! 
We will be reaching out with any updates or new information in the form of a support message. '' I was about to use the card today ( XXXX/XXXX/16 ) but wanted to save myself the embarrassment of having the card declined again especially since Simple had not gotten back to me with an update in 3 weeks. When I spoke to a customer representative at Simple. I was told once again that they will still in the process of " verifying my account '' and that no further information could be provided even after escalation. I then requested during a subsequent call that they close my account and send me my deposited funds. The customer service rep then said that while an account is being verified that they could not initiate a closure account process. Furthermore Simple then blocked my debit card over the course of these calls. Mind you I have not been able to use the card since the account was opened.I find the behaviour of this " bank '' very suspicious. They receive customer funds and have no process in place to transparently resolve issues such as mine. I no longer wish to do business with Simple and request a prompt return of my funds deposited with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I been selling on eBay since XXXX and eBay using PayPal as a merchant and my business is selling phones and electronic. 
in XX/XX/XXXX my business picked up and I start sending invoices directly through PayPal and get paid also I still maintain eBay business. 
I never never had a charge back or a bad review my accounts in Ebay and Paypal XXXX % In XXXX representative from PayPal called me and asked me several questions where I buy my product from how I know my buyerwhen do I ship the merchandise to the customer I also am XXXX % all the questions he he ask and then he said thank you and the same time my customers start calling me telling me Paypal Custmer Service calling them and asking if they receive the merchandise my customer call them yes they receive the merchandise and everything is perfect after two days in the middle of XXXX they send me an email telling me they place a reserve account of {$80000.00} in my account I call them I told them why they said I 'm a high-risk customer I told him I never have had a chargeback I do n't have anything wrong with my business they said they still have to protect the business I do n't know for how long they said for three months i 've been calling since and explaining to them I can not find in my business like that by now they up to {$60000.00} I do n't have the capital to run my business my business and will go broke like that they even check my credit score and I ask them who give you the right to do that they told me it 's in the policy I understand if I have a chargeback understand if there is something going on with my account I have a lot of return merchandise I have a lot a problem but I do n't have any problem with my account in eBay or PayPal and I called PayPal they told me that the eBay that 's a company runs himself by them self we can not do anything about that that 's not fair I think I 'm going to lose my business my credit card it 's empty I can not borrow more money and the funny thing is they holding all the money even eBay fees I paying eBay fees for my own pocket but we taking the on money the processing money they taken it from the the money they holding I 'm a very small business can not hire a lawyer but on the same time I know that 's not legal They can call every customer and the Ask of the receive the merchandise but they refuse to do that I do n't know really what to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-12
Company: UNITED GUARANTY CORPORATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On or about XXXX XXXX, XXXX United Guaranty XXXX XXXX XXXX of North Carolina paid the balance of a second mortgage on a property in which I dwelled with my former wife. On that date they sent me a letter indicating that they had accelerated the balance of the loan and that the " balance in full '' was due " no later than thirty days from XXXX/XXXX/XXXX ''. 

On XXXX XXXX, XXXX I received a letter from XXXX ; a local law firm ; indicating that they were authorized to file suit against me. I requested verification of the debt by mail on XXXX XXXX, XXXX. They responded by filing suit on XXXX XXXX, XXXX. I have yet to be served a summons or receive verification. 

I believe that this is a violation of multiple parts of the Fair Debt Collection Practices Act, not the least of which is the fact that the attorney filed suit on a debt that is time-barred under Florida law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
This complaint relates the manner in which Barclays Card US applies payments when there are both promotional and non-promotional balances. Per a reading of the terms and conditions on the statement, payments are posted first to the higher interest balances and then the excess to the promotional balances. For the statement ending XXXX/XXXX/2016 I had a promotional balance of {$760.00} ( expiring XXXX/XXXX/16 ) and a non promotional balance of {$600.00}. I sent in a payment of {$670.00} on the due date. The a portion of the payment was correctly applied with {$600.00} against the non-promotional balance, however the excess of {$65.00} was applied against yet unbilled non-promotional balances. Under this application, if a consumer is using the card for purchases during a billing cycle, it becomes nearly impossible to payoff the promotional balance. A reasonable individual would understand and expect that if he pays off the entire non-promotional balance and sends additional funds, that these additional funds would be applied towards the promotional balance. 

Barclay customer service explained that this is not how it is handled as the yet unbilled non-promotional charges COULD be subject to a higher interest rate than the promotional balances, thus they are paid first, to protect the customer. In reality, this does not protect the customer but creates a scenario when the customer 's promotional balances does not decrease over time and the entire promotional balance must be paid in the final two months in order to avoid paying all of the accrued, yet unbilled finance charges associated with the promotional balances. 
While this could be argued is in keeping with the disclosures, it is both morally and ethically deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX 2014 I cancelled my credit card with barclays bank. I just received a collection notice from XXXX wanting XXXX. I called Barclay bank they say that a bill was paid over a month after the card had been cancelled for XXXX. They never contacted me about the bill. I asked them for the phone # and address they had and it was correct, I asked them why they never contacted me, they did not know. I said i would pay the XXXX, they said they could not deal with me that I have to deal with the collection agency. The collection agency wants XXXX and will not deal. I asked if I pay the XXXX would they take it off my credit report they said no. First I believe barclays had no authority to pay the XXXX and should have had the store contact me. Second Barclays should have at least tried to contact me about the XXXX dollars. Now they have destroyed my credit. I am willing to pay the XXXX but they must remove it from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-24
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Harassing calls and bringing up the past credit one bank with XXXX credit monitoring

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a laptop computer on line from XXXX XXXX. This is the XXXX XXXX I have ordered and all have been defective and had to return them. I purchased this XXXX through a different vendor thinking that would help. It came to me messed up so I called XXXX who worked with me to fix it however, it did n't fix it. Now it is even worse. I tried to return it as the ship date was XXXX XXXX, 2016. They said it had to be returned the XXXX since I ordered it on that day. This computer is useless and I can not use it. This does not seems right to me at all. I am simply out the purchase price of a defective computer.

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 2016-07-25
Company: SYNCHRONY FINANCIAL
State: WA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Savings account at Synchrony was LOCKED due to invalid password. 

Synchrony after 2 horus of repeated calls COULD NOT unlock account due to internal Synchrony security procedures. 

1. I have NO mobile phone which Synchrony REQUIRES to get a text message. 
2. I have NO internet at home so can not request CALL of code and be near home phone. 
3. When requesting CALL it goes to recorder where Synchrony will NOT leave code. 

Thus a {$300000.00} accoutn can not be accessed due to incompetent Synchrony security procedures and manager said no other ooptions. 

As I tarvel world-wide I can not call from multiple countries if account gets LOCKED due to password issues. 

very sad and incompetently manged banking institution to implement such incompetent security procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: SYNCHRONY FINANCIAL
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony Bank keeps calling every hour on the hour it seems, to collect on their carecredit credit card.. I have repeatedly told them we are in the process f making a payment and this does not seem to sink in. I am at my wits end with them and feel the only course of action is to file a lawsuit. I do not want or need this sort of harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Other

Complaint:
Contacted Synchrony Bank regarding my Sam 's Club Credit card on the XX/XX/XXXX to ask for a credit increase of an additional {$4000.00}. to pay for a boiler for my home. The credit increase was approved immediately. 
On XXXX I transferred {$3500.00}. from my savings to checking and made a payment on my Sam 's account and on XXXX my husband made a payment of {$3300.00}. from his bank account to the same Sam 's account. 
Called the bank on XXXX at XXXX because the available credit balance was {$10000.00}. I was told that a hold for the {$3500.00}. payment was put on hold because I had made XXXX large payments on my account and the hold would be release after 48 hours. I did get upset on the phone since my understanding that a wire transfer from one bank to another was immediate and could not be held. The payment on Sam 's website said posted. The {$3300.00}. payment from my husband 's account made on XXXX was processed with no issue. Not sure why they put a hold on the first payment not knowing I was making a second payment for making XXXX large payments. I was also told that they can put holds on payments and did not have to notify me. The account manager said I could get another credit increase, which she processed and came back to say that I could get an increase of an additional {$1500.00}. Refused increase because it did not help out of the situation to pay for the boiler on Friday. I asked to have the terms and conditions sent to me by email that identifies that they can hold payment if XXXX large payments were made on the same account. Still have not received. She transferred me to an underwriter to see if the credit increase could be {$4000.00}. which was needed. After trying to process again, he came back and said he could increase for additional {$1000.00}. I said I would file a complaint not knowing what else to do. 
After calling no satisfaction and said I would file a 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 2016-08-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, There is a state tax lien on my credit report that does not belong to me. It belongs to my father XXXX XXXX XXXX. I am XXXX XXXX I used a credit repair company they sent XXXX letters and still wo n't remove it. They told me to contact you to have it done. My social secuity number is XXXX date of birth XX/XX/XXXX. I am trying to have it taken off of my credit report it is holding down my score as I am also trying to purchase a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Citibank was alerted XX/XX/2015 and XX/XX/2015 that they had failed to properly post information on my credit reports. The misreporting showed me serious delinquent for 5 years instead of the account being charged off and no longer past due. Including the fact that it never properly stated the date of last payment. 
After being notified, my XXXX credit report was amended to properly show the date of last payment, no longer delinquent and the charge off. 
However, my XXXX and my XXXX were never amended and I continue 6 months later to be showing as serious delinquency. 
For intentional violations of the FDCPA for 6 months after being properly notified Citibank should be fined {$1000.00} at minimum. They had a duty after being informed to properly respond, not partially. 
If they choose not to amend the records AND pay a fine to me then I will start a small claims filing for the amounts due under Federal Law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My servicer, Select Portfolio Servicing ( SPS ), has made major errors in the following areas : XXXX. SPS mailed my trial modification to a strange company and did not use my address. XXXX. I became aware of my approval for a trial modification in XXXX and the XXXX payment was XXXX XXXX. XXXX. SPS has grossly inflated my income. All these errors were made in an attempt by SPS to cause a deliberate default on the trial modification. SPS prefers to profit from foreclosures. See attached - SPS mailed an approval to XXXX at an address that is not mine. I have never conducted business with XXXX. SPS informed me of my approval in XXXX and told me my XXXX payment was due XXXX XXXX. Finally, my pay stubs are attached. SPS falsely claims I make {$9300.00} per month. It is blatantly clear that they have confused my file with another. I have additional income with a rental property. This income becomes a wash when using the 75 % underwriting standard. My income was inflated by a XXXX dollars each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 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