BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-22
Company: ETHOS LENDING LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started the process of refining my 30 year mortgage into a 15 year fixed on XX/XX/2016. I understand I am self-employed and a jumbo loan so as originally stated it would be rushed to close in the normal 45 day timeline but the lender felts they could make this happen. Since then I have been asked for at least XXXX different items from my CPA. I did sign docs on XXXX/XXXX/16. They took my escrow payment. A few days later I was told I had to sign new docs but was not given a reason. An hour before the XXXX signing appointment I was told they had to start the whole process over and they found a new investor but it would be XXXX weeks tops. Here it is XX/XX/2016 and I still have not had my refi completed and they keep asking me to get more data from my CPA. I feel like they do n't believe a female self-employed single person could make the money I do. ( My partner passed away XX/XX/2016 ) and I feel discriminated against. They refuse to tell me why the first loan was not funded and will not answer me on why it is taking months to close, I have more cash in savings then the loan, I have over an XXXX credit score and I make a very high income. I would like the XX/XX/2016 loan to be funded and have the loan adjusted for the lower rate for all these months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-25
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
Order # XXXX was supposedly delivered on or around XXXX XXXX, tracking info shows it was signed by someone who forged my signature, a copy is enclosed. XXXX XXXX was a Monday, I was not at home on this day and the signature is forged as it is not mine, not even fully signed. The signature is not my full name, you can see from the copy provided my USPS. An A-Z claim was filed with Amazon, however, it was closed a day after opening stating the item was signed for by myself and would not investigate further. A dispute was made with Amazon credit as well, however, it might have been closed as well and the reason for this complaint. The total charge for the order is XXXX, please advise Synchrony Bank I need this item disputed and or refunded, if possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02
Company: SYNCHRONY FINANCIAL
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a loan with care credit and we had a payment plan of {$11.00} a month I borrowed {$250.00} made XXXX perfect on time payments through money orders every month I had to call and make them send me a bill I got the bill down to {$130.00} and then I get a call stating I 'm not paying my bill and it 's {$280.00} due to late fees they quit send ing me a bill and would not send one wanted my bank account. I refused said I would send them a money order I called often to get them to fix my bill due to it always being XXXX or more a month it 's been turned over to someone else for {$500.00} and they said it 's been in default since the month it openedand told me to contact you. I had proof they were putting false information on the credit report on XXXX pix it would say good payments till this day and in the info it would say no payment since a date on bottom it said good and the close date was different every statement and as we 'll as the payment not being what we agreed upon it has dropped my credit a XXXX points I want this fixed I only owe {$130.00} not {$500.00} they claim and woman said this happens all the time with this company please fix this so my credit goes back to normal my mom has called on this many times and I 'm getting no where with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I bought a new computer and left for XXXX shortly after. While in XXXX, I tried to go online and pay my LL Bean Visa bill and, because it was a new computer, I had to enter a lot of information - which the system told me was wrong and I had to call Security. I did not have my card with me and could n't provide all of the information request. I had to wait until I got home. I called Barclay Card and after XXXX attempts and speaking with XXXX different people I asked where they got their information ( former addresses, formerly owned vehicles etc. ) and I was told that they outsource to a vendor to produce information drawn from my social security number and public records. I told them their records are wrong and demanded to know the name of the vendor. They refused to give me that information. There is information out there linking my social security number to someone else and this company refuses to even give me the name of the company they paid for this ( bogus ) information??? This is unacceptable. I need to get to the source of this misinformation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: SYNCHRONY FINANCIAL
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Synchrony Bank refuses to increase credit limit on my Care Credit Account. They have no basis for their denial.

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 2017-01-27
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called and left messages as well as waited on hold multiple times for over 20 minutes at a time. I have never once gotten anyone willing to take my money for the {$60.00} I owe. No one has ever called me back on my multiple messages left to make my payment after leaving clear, concise, information about my and my information. The hospital is also refusing to take my money. I have now tried calling again today 4 times and have been hung up on each time and no one will take my payment. I am in collection and should not have been even for one day because they are not allowing me to pay by debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: CMRE Financial Services, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I continue to get automated calls to my work cell phone non-stop from CMRE. I have asked several times for CRME to stop calling my work cell phone and send all inquiries by mail, they refuse to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: Convergent Resources, Inc.
State: PA
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:
XXXX attempted to collect for a 2 year contract after 3.5 years of service, said contract expired 1.5 years prior ; and was month to month with them.I had warranty coverage & XXXX told me to call them about my lost phone.Warranty co. stated : XXXX warranties are only for 2 years on any phone, but they collected thru my Billing Statement at $ XXXX every month for 3.5 yrs., even after warranty on phone had long ago expired.They then billed me for violating a contract at a supposed pro rated amount of XXXX. Next month and when called the # on back of bill ; new charges showed up on bill, but different amounts when I called them. I am severely XXXX, XXXX condition and XXXX told me : It does not matter. The only way you can resolve this is : Go to your nearest store, which is 2.5 miles from my house. Every time I called XXXX about the issue, I continued to get differing amounts and they could not explain the amounts. They refused to try to fix it and sent it to collections, and the phone agents could never explain the charges ; and stories differed each time you called ; but I do not owe them a penny. They collected on an expired warranty and they sent it to a few collection agencies, and they continue to harass me on my cell phone, which I use 1 day a week if need to go out anywhere ; store or Doctor appt. I never have received a billing statement from the XXXX different collection agencies that have called, which I know that after calling me in XXXX they must send a copy of a Bill in dispute within 5 days. T Mobile has been sued and involved in Class action Lawsuits over the same issues and lost both times ; but they must still be making much more than a Class action Lawsuit cost them, for I know they took a big hit in XXXX XXXX XXXX. I am trying to get them with others in another Class action suit and take it to XXXX, XXXX, to file it in my State for XXXX will cost them the most, and hit them harder than any other State in the US. This should have been stipulated in the prior Suits ; but they continue to cARRY ON Business and Fraud in the same manner as prior to the Lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: Diversified Consultants, Inc.
State: MD
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/XXXX a bill was sent to me from XXXX in regards to a debt owed to XXXX in the amount of {$840.00} which should have included the amount owed for a phone and the last phone bill. 
-On XX/XX/XXXX a bill was sent to me from Receivables XXXX XXXX, XXXX XXXX regards to that same debt, but stating that I owed {$1600.00}. 
-On XX/XX/XXXX I sent a fax to the Escalations Dept. at XXXX XXXX XXXX, XXXX requesting validation and explanation of the increase from the original debt amount. I mentioned that I 'd spoken with a representative from XXXX who told me that additional charges were added to the account in XXXX and XX/XX/XXXX. At that time my account was closed and I had entered a contract with a new cellular phone carrier in XX/XX/XXXX. 
-On XX/XX/XXXX, Receivables XXXX XXXX, XXXX XXXX me a T-Mobile statement as validation of debt, but did not explain why the additional charges were added to an account that should have been closed in XXXX. 
-On XX/XX/XXXX, I sent a letter to Receivables XXXX XXXX, XXXX in response to the statement inquiring about the charges that were very confusing to me. 
-On XX/XX/XXXX I received a statement from Diversified Consultants, Inc. regarding the said amount due to XXXX. 
-On XX/XX/XXXX sent a letter to Diversified Consultants , Inc. inquiring about the explanation of the debt owed to XXXX. 
-On XX/XX/XXXX I drafted a subsequent letter to send Diversified Consultants , Inc. regarding their lack of response and explanation of the debt owed to XXXX. I am not comfortable paying for charges that I 'm not sure are accurate. 

Thanks so much for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Collection Bureau Services, Inc.
State: MT
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:
Contacted legal aid and took steps advised for a debt that is not valid and in violation of fair credit act. Sent certified letter asking to please remove the debt as was not valid and requested 30 days to do so. Contacted CBC, Inc.in XXXX, montana and was told that I was refusing to pay the debt so they would mark it as so and hung up on me. 
Contacted legal aid afterwards and was directed to file complaint with your agency as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
While I am a unhappy USAA member for other reasons, I decided to post mygrievances within the public USAA Member Community forums. These were about excessively long funds holding times and NSF charges due to regularly scheduled bill payments and these fund being on hold ( although they were from a Cashiers Check ). 

After a few comments and conversation with other members, XXXX in particular " XXXX '' and " XXXX XXXX '' were posting information that only an internal USAA employee wouldhave access too. Specifically the user " XXXX '' knowing that I had filed complaints over the past three years. ( Forum conversation in PDF format is attached ) I would like to know what will be done with this as it is very retaliatory in nature and crossed the line with CyberHarrassment laws ( TX XXXX ). 

I have copies of all correspondence and of the forum posts showing confidential information being posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After the payments I made on the vehicle and the amount collected after reselling the vehicle. I was only to be responsible for the ramaining balance as per agreement. The amount being reported is incorrect and after numerous disputes Capital one auto finance has failed to correct this issue. They have also failed to send anything in writing as per agreement.

Company response to consumer: Closed
Consumer complaint received 2016-07-27
Company: ERC
State: NY
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:
This was oponed without my concern for a relative my name is is incorrect which is not my real last name. 
The person Hows opened this acccount is on jail. 
I do n't have to paid something that is not mine. 

Thanks

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 2017-03-03
Company: GVA Holdings, LLC
State: NJ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a payday loan from West River Cash for the amount of {$350.00} and after 1 payment of {$120.00} and another 3 for {$100.00} that the principal only went down to {$340.00}. The representative informed me to pay in full it would be over {$400.00} after paying them {$430.00}. They have me on an 18 month repayment cycle of {$100.00} a paycheck. The representative could n't answer why I would be paying roughly {$1800.00} for a {$350.00} loan. The representative, XXXX, said I have been making the minimum payments whereas the {$120.00} payment only affected the principal by XXXX cents. They only thing XXXX mentioned to me was speaking to an account manager and I did n't want to receive any abuse or harassment of any kind by an account manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Phone call made to brother with a message on ans machine including personal info ... complaint about to be filed, case #, just things I did n't think was appropriate or a answering machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I will try and be brief as possible as there are a lot to this complaint. I have been fallen victim to zombie debt and banks selling bad credit card debt and robo-signing court documents. I have been forced to pay on debt when I have made it clear I had NOT seen, heard, had any correspondences or seen any statements or burden of proof I owe debt. I have fallen into the system by default due to the tactical advantage of debt collecting lawyers. I was intentionally mislead to obtain a default judgement. I have not seen anything or any statements of said credit card and I have not heard from them on any debt I owe for over XXXX years. Last I knew I paid the debt and I cut up my card back in XXXX or XXXX. I never paid on this debt after that since I had not known I owed anything at all. Once I was able to obtain any statements that are specious in of itself especially since there were XXXX different account numbers from same original banking institution of record. Only XXXX account number was referenced to from debt collectors as breach of contract and the other account number is what the bank of record has as my account with them. Even the banking institution shows nothing on file only that I had held an account there in the past and account number if the bank wanted to know more info they even had to call card services to obtain any information. Please reference my attached documents and my response to the court once I obtain statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Adding money

Complaint:
I opened an Amex Serve with my linked checking account. Several weeks later I funded with {$300.00} via checking and sent to a friend. A week or 2 later I loaded {$500.00} cash at a local XXXX which is advertised as instant funding method ( to get away from the 5 day hold my first funding method took ). Minutes after the money was available in my account they closed my account. They wo n't give me any info and said they do n't discuss closed accounts. They said my {$500.00} is going to the state of New Jersey where I live in 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: LDF Holdings, LLC
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have gotten a with Radiant Cash for {$400.00} XX/XX/XXXX. I pay {$47.00} every week. I had miss only one which is back of this loan. I had emailed customer service on a payoff amount. They emailed me back with {$350.00}. I really do n't think my payoff is this amount. I had made close to over {$600.00} to them which they already made a profit on me. The loan goes to XX/XX/XXXX. How can a payoff be this? They claim the high interest. This loan should be less than {$200.00} for a payoff. They are ripping us consumers off. I will never go and get any payday or cash advances again in my entire life. I need you to help me if you can. My loan started XXXX/XXXX/XXXX and that was first payment and the last payment is XXXX XXXX XXXX. Loan Id. XXXX. I want to pay these people off but what they are telling me a what I still owe, no way.

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 2016-06-29
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016, I opened a Citigold checking account under promotion XXXX. I have a screen shot I made showing Citibank accepting this promotion code. This promotion grants XXXX Thank You points for opening the account which requires maintaining a {$50000.00} balance and a bill pay on two consecutive months within 60 days. I fulfilled these requirements. On XXXX/XXXX/2016, after not getting the promised points, I contacted Citi and they opened an investigation. A few days later when I again contacted Citibank the representative told me they could not investigate further until 90 days had passed following completion of the requirements ( which would have been XXXX/XXXX/2016 ). I still did not receive the points, so I contacted Citi again on XXXX/XXXX/2016 and the supervisor said they would not honor the promotion. Since I opened the account based on the promotion worth {$400.00} and met the requirements, I would like Citibank to honor the promotion and award the points.

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 2017-01-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I live in NY. I received an e-receipt on XXXX/XXXX/16 that my Macy 's card was used for a purchase made in XXXX XXXX, XXXX. I had the Macy 's card in my possession. As per Macy 's someone came in with my name on a Florida driver 's license and used the last XXXX digits of my SS # to make a purchase. I filed fraud paper work with Macy 's and also a police report with the XXXX XXXX police. Still waiting for Macy 's to complete investigation. Also asked for info as to what they have discovered and they can not tell me. Recently I have fraudulent charges made with my debit card from someone in XXXX. I want Macy 's to clear my charges and advise what, if anything they have discovered regarding this fraud. I am concerned that it may be someone in Macy 's. I would like answers from them. It is over 2 months.

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 2016-10-06
Company: CITIBANK, N.A.
State: RI
Product: Credit card
Issue: Late fee

Complaint:
After ( at least ) over a year of consistent, on time, payments to Citi Cards for my credit card, I was assessed as being two days late on my credit card payment XX/XX/XXXX. I have been charged {$27.00} for a late fee. I requested a waiver of the late fee, which Citi Cards has refused to grant. This seems highly unfair - other companies are willing to waive a late fee in situations where the customer has been consistent in making payments. I would like Citi Cards to waive the fee.

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 2016-02-02
Company: CITIBANK, N.A.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out an unsecured loan with Citibank back in 2008 and a year later, I was working part time and did n't have enough to pay each month. I called up Citibank and negotiated with them and they referred me to a department that put me on installment plans and it was paid off as agreed. I now received noticed from XXXX that that Citibank has resend this off to collection and once again destroyed my credit rating. This is not a valid collection and I would like CFPB to look into this.

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