BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-12
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Loan amount does not match with original settlement amount. Original loan was an XXXX loan with XXXX that then was sold to XXXX XXXX XXXX. XXXX XXXX XXXX consolidated XXXX loans into XXXX. Then the loan was sold to Greentree, who is the current loan holder. Now they say there is still XXXX loans for my mortgage and the XXXX mortgages original amount is more now than its original amount of loan when I purchased home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed XXXX paid medical accounts listed with Meade and Associates. I requested dates of service, as well as, to whom the services were rendered and never received the information. I 'm attaching the letter I received from Meade, in addition to my XXXX Credit reports showing the dispute and results. Although I paid these, I did so because they told me the debts belonged to me. Upon further review, they do not. Basically, XXXX told me to take it up with the collection agency, so I did and the debts are listed as verified every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-02
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our firm represents a borrower in default on an FHA mortgage, currently under contract with a purchase price that meets the investor 's required net. Ditech denied the short sale because ( 1 ) the property is not owner occupied ; true, and ( 2 ) Ditech states the borrower has a credit score of XXXX or above. The borrower disagrees, has researched her credit score, and it falls below XXXX, therefore making the denial invalid and the short sale should have been approved. 

A written request was submitted to Ditech by the homeowner ( as instructed ) on XXXX XXXX, 2016. The following was requested in dispute of the denial : ( 1 ) The type of credit scoring module used, ( 2 ) The date of the credit report, ( 3 ) A full copy of the credit report, upon which the sale was denied. 

As of yesterday, Ditech has not provided any of the information to the borrower, and it remains " under review ''. Ditech has had this under review for over 60 days with no time frame for review to be complete. This has taken too long and the homeowner is in risk of foreclosure. Please contact our office should you have any questions : XXXX XXXX ( XXXX ) XXXX, e-mail : XXXXXXXXXXXX. Office hours are XXXX from XXXX until XXXX. Thank you in advance for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech financial has been giving me bills that change the amounts at least twice a month. They have also added fees to my mortgage account and have not applied my payments correctly and do not answer my complaints except with " we have received your complaint and it is under review '' The last answer I got stated that they felt they answered all my questions previously, that came from a paralegal. I am so frustrated with this company. I am attaching my latest correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: Shellpoint Partners, LLC
State: SC
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am filing a complaint against Shellpoint Mortgage for reporting an account that is not mine on my credit report. The account in question is a Shellpoint mortgage account that was opened in 2007. I have no knowledge of where this account could have come from. Not only is this account not mine, but it 's severely hurting my credit because the actual account holder is letting the account run late. As a result, I have been having late payments hit my XXXX report for the past several months. I am attaching a screenshot of the account on my credit report showing the account number and the last time it reported. I have disputed the validity of this account to them and to this date, nothing has been done. This account is not reporting on XXXX, which is further proof that it should not be there in the first place. XXXX should not be reporting someone else 's information on a person 's report, even more so when it does not belong to them. The account number is XXXX. Please help me fix this. I have attached a police report, deed and title showing this mortgage is not associated with my name.

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 2017-01-30
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Our house flooded and and insurance cut the check to my wife and shell point. We paid everything in full out of our pockets. They came and did an inspection of the completion and still have n't realesed any of our {$30000.00} check. They keep giving us the run around and we do n't know watt else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
FALSE COMPANY NAMED " AMCA '' TRYING TO COLLECT A DEBT THAT I ALREADY PAID TO XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I applied for a conventional 30yr fixed mortgage loan with Sebonic Financial in XXXX, NC which is a subsidiary of Cardinal Financial Company. I did not receive the correct Closing Disclosure until I was at closing. I was provided a preliminary disclosure, but it was not 3 business days in advance and it had significant errors ( over {$170000.00} wrong ) although the new mortgage rules require disclosure at least 3 business days in advance. I had to explain to the lending institution that a HUD is no longer provided by the closing attorney and spend countless emails and phone calls back and forth requesting they correct the closing disclosure and paperwork, but I had to sign incorrect paperwork at closing because it was never corrected appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Weinberg Mediation Group LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a called on X/XX/17 from the phone # XXXX. The caller left a message that they were calling for XXXX XXXX and stated that there is a problem with my name and social security number. They were calling from Weinberg Mediation Group and  that myself or my attorney have failed to contact them regarding this matter and since I have n't taken any action that I 'm not being compliant. First of, I have not received any communications regarding problems with my name and social security. And with all the fraud cases I 'm not calling someone to give them or discuss such a delicate subject. I can only assume this is a debt collector using a lie to get me to call them back. The call back # is XXXX not XXXX which they called from and in their website it states they are a debt collector. For what debt I have no idea.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have a Fraudulent Old Navy account on my credit bureues I have called Sychrony Bank the holder of this account and spoke with there XXXX department, I was told they have closed the application and will send notice to the bureaus for deletion of the trade line, However I later discovered that they did not send over any information to the credit bureau, and the bureaus are reporting me as late and derogatory, Because of this I have lost over a XXXX points from my XXXX scores, I also reported this fraudulent activity to the local police, XXXX, XXXX district attorney, and FTC. I want this fraudulent account removed from my credit profile effective immediately

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 2016-07-31
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS COMPANY PLACED AN INQUIRY ON MY CREDIT REPORTS ( XXXX, XXXX AND XXXX ) BECAUSE SOMEONR FRAUDULENTLY USED MY INFORMATION TO OBTAIN CREDIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Other

Complaint:
I was issued a refund on a travel purchase that was credited to my Sam 's Club XXXX XXXX issued by Synchrony Bank. The refund, {$4100.00}, was transferred to my account, # XXXX XXXX XXXX XXXX, on XXXX XXXX 2016. In a call to Synchrony Bank today, they said they could only send me a refund by check and that would take up to a month, corresponding to my next billing cycle. So Synchrony has a plan to hold my cash for another month before returning it to me. Yet when I pay my account at Sam 's Club or at Wal-Mart by check, they immediately electronically draft the payment out of my bank account. But they claim they have no way to electronically return my cash to my bank account except by check sent by USPS mail. 
Synchrony Bank has very effectively stacked the procedure to take advantage of their customers and that indeed is wrong. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN 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 2016-03-28
Company: TD BANK US HOLDING COMPANY
State: WV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Nordstrom FSB has posted a delinquent charge on my credit report. In XXXX 2011, someone fraudulently opened a Nordstrom FSB credit card in my name and charged {$720.00}. I called Nordstrom FSB, sent them my actual information to show them my current address, phone number, the date I have lived at the current residence. They advised me they would cancel the account and close it as being fraudulent. They never closed the account and it is still listed as open on my credit report. I need them to close the account and list it as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Other

Complaint:
I purchased a XXXX XXXX XXXX Party tent XX/XX/2016. I did not put this up until late spring, as it was to used in the summer. Once up, it fell down 3-4 times, with the poles each time bending and basically getting to the point of being able to be unfixed. I contacted Walmart.com for assistance and was told XXXX different times, my card would be given a refund for this purchase while they contacted the company it was purchased through to allow me a " Simple '' solution to returning this, as I live in XXXX state and it needs to be shipped to XXXX. I was never given information on returning this and never had any idea I could not return this to a local store. After going over 5-6 weeks with no answer and no return, I called Walmart.com again asking for assistance. NOW, they transferred my complaint to the company this shipped from and I was told this was past the date of being able to be returned. I am LIVID! I was put on hold with no answer to this problem for over 2 months and now I get this?? My order number was XXXX and the purchase price was {$120.00} plus tax. I want this off my credit card and personally think I deserve more at this point, as I have been a loyal customer of Walmart for years.

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 2017-02-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I had a crefid card i had a XXXX dollar credit limit without my consent they pulled a crefit report from a credit agency i called amazon / syncrony bank and askef them to explain why my credit limit was dropped in swich they said do to a credit scoring pulled from a credit agency in which all thats on my credit report was there when the account was opened i asked them to send me a copy of my consent to pull my credit report with my signiture they said it would take take 30 days before i could get that info asked the why so long would not give me a answer only that it is policy

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 2016-10-20
Company: Pintor Partners, LP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I 've already asked barri finance not to contact me at work.or visit my work or my husbands work and they keep doing it l.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Got more calls from Synchrony Bank - they left message from XXXX and said Synchrony Bank re Old Navy and to return the call. I called them back and told them I was reporting them to the FBI and to stop calling me and harassing me. I filed a complaint against them yesterday # XXXX. They keep calling me from 3-5 times a day starting at XXXX XXXX until XXXX XXXX. This is the first time they left a message and to call 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 2016-06-22
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Other

Complaint:
My bank reversed a payment for {$110.00} on a Paypal Mastercard by mistake. XXXX immediately restricted by XXXX account, which they claim is separate from the Paypal Mastercard credit card. They told me I need to verify that bank account an submit a request that XXXX payments be sent from XXXX to confirm that bank account. XXXX never sent the small deposits. It has been over two days. When you go to the XXXX website, I can not see what purchases were billed on the card. I had to search the site to find a link to view the credit card statement. Why did XXXX restrict my account and not the credit card company Synchrony Bank, Paypal Mastercard? XXXX sent an email to customers some time ago that XXXX and the credit card were XXXX separate companies and would be treated as such. This is not the case. I have done everything I was supposed to do.

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 2015-03-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Billing statement

Complaint:
I signed up for e-bills through Synchrony Bank, and everything was going fine until they changed their Website. Now, when I signed in my UserID and Passwords were not recognized so I called to complain and asked that they start sending my Statements through the mail because I could not get to my accounts through their new Website. 
I have called about three times making this request and actually mailed a request also. 
I am still not receiving my Statements, but they are constantly calling and leaving a message to call XXXX. This is not a real number. In the meantime, they are charging me late charges and if I do n't pay my XXXX XXXX 's off within a certain time, they will add interest. 
All I want is to pay my bills, but how can I when I do not have a Statement? Please help me before this entity completely ruins my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I have an XXXX XXXX Mastercard through Barclay 's bank which is supposed to give me XXXX free piece of checked baggage on a XXXX or XXXX XXXX flight. I was charged for baggage both legs of my rountrip flight. I called Barclay 's bank and was told i should call the airline. Since Barclay 's is the card company, and they sold me the card with the promise that i get XXXX checked bag for free, i feel like it is the card company that should reverse the XXXX {$25.00} charges. They say the fine print requires that i make the reservation using the card, but the brochure that came with the card simply says i get a checked bag for free in very clear print. I have attached this document. Note that it does not qualify the promise of XXXX free checked bag with any mention of other requirements, whereas the paragraph regarding getting a discount on in-plane food specifies that the credit card must be used. 
I also got cut off from the call with Barclay 's after a long wait. The second time, I spoke to a manager, who also told me to call the airlines. Since Barclay 's made the promises, I feel like Barclay 's should refund my {$50.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I went to buy pants at the store and the clerk suggested if I sign up for a member card, I get a discount right away. At no point was I notified this was a credit card and all terms used to refer to this card made it sound like a free membership card. At the end when I found out that it was in fact a credit card, the clerk claimed it was too late and ca n't back out. He also said " it wo n't hurt your credit at all '', which is a flat out lie. On top of that, the discount was not applied at all to the purchase, in spite of signing up for the card. As the clerk was packaging up the pants and the card, his manager happened to be passing by and gave him a " congratulations on the Gap card ''. The way it was said was similar to a " congratulations selling the lemon car ''. Seemed like this was a shady type of car dealership the way I was handled, rather than a respectable clothing store I assumed it was.

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 2017-02-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My identity was stolen XXXX. Credit cards and accounts were opened in the names of XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and charges were incurred on many different cards and fraudulent checks were written in person at our local bank. I was able to finally resolve the majority of these fraudulent actions by XXXX, XXXX. However, despite notifying Synchrony Bank ( Banana Republic ) immediately, instead of removing the charges, they appear to have transferred the fraud charges from several accounts, also in my name, with the fraud perpetrators so that now I have XXXX ( possibly XXXX ) Banana Republic accounts with most of the balance remaining from the original fraud in XXXX. Every time I called, they said that they had " taken care of everything '' and that it might take 90 days to complete the " investigation '' and I would receive a new card in the mail, but it would arrive with the Identity thieves ' name on it! Finally, they said that it was too long ago and I would have to " order the old bills '' because they could n't see the charges " on their system '' at Synchrony. I have not used the card since XXXX, all charges made were fraudulent.

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 2015-04-06
Company: Cedars Business Services, LLC
State: SC
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was given funds by XXXX university to attend on line classes, After XXXX month of attending I became ill and the passing of a love one and I immediately notify XXXX university of my circumstances. the university instructed me to mail in proper documentation for a leave of absence .I complied and to my surprise XXXX placed my loan with Ceader Financial collection agency and demanded full payment instead of adding it on to my exsiting federal loans

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Complaint that I have is with BULL CITY FINANCIAL SOLUTIONS. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with BULL CITY FINANCIAL SOLUTIONS. I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with explanation