BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, as previously notified

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 2015-09-21
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Greetree ( changed name to Ditech servicing ) calls me all hours of the night. A representative name XXXX calls me. I told them that the only number the are allowed to contact me on is XXXX. My mother has said they also call on their number which is a separate line from my own line. Even after telling them this for months and years they still abuse this. As I have said before that the only line that I can be reach is on XXXX. I work from home and that is the only number that they can contact me regarding any information about the mortgage. I do n't know how clear I can be on discussing this with them regarding XXXX constant harassment. I am also considering legal action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Debt Recovery Solution has reported to the CRAs that I owe them {$8600.00}. They stated that the account was opened on XXXX 2015 and that the account had the first major delinquency on XXXX 2015. 

I find out about it when I check my credit report. Since I do not recognize the company or the debt, I called them to obtain information. They told me the debt was mine from an old credit card that I had at some point of my live and that I had stopped making payments several years ago. 

I requested the validation documents, but I never got them. 

Assuming they are right and the debt is actually mine. Since they claim this is an old debt, then the open date can not be XXXX 2015, and the major delinquency date can not be XXXX 2015 and the date of last activity can not be left blank. 

Therefore, Debt Recovery Solutions has parked this account on my credit report, violation of the FCRA. I must be notified they are trying to collect a debt and that they will report to the CRAs. 
The collector has re-age the account, another violation of the FCRA, the collector falsely reported the dates. Finally, up to date the collector has not validated the debt, 3rd violation. 

I filed a dispute with the CRAs. The CRAs did not remove the account because the collector claims the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My HAMP mortgage was taken over by Ditech Financial from XXXX XXXX XXXX a few years ago. My modified loan had a pay for performance clause where I was receiving $ XXXX off of my principle balance each year for up to five years if my payments were on time. I had a total of $ XXXX taken off of my loan balance. Ditech Financial recently sent me a letter saying that after a review they determined I was ineligible for the program as of XXXX of 2012 due to late payments or a refinance which takes you out of the program. They added $ XXXX back to my balance and offered no supporting documentation stating how they arrived at this conclusion. I checked my bank statement from XXXX of 2012 and sure enough my mortgage was paid on time. I never refinanced which was the other way to be removed from the HAMP program besides late payments. I have written and called Ditech to complain about this and everything falls on deaf ears. They basically stole {$5000.00} from me and I do n't know what to do???

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, the major credit reporting companies falsely reported me being delinquent on my XXXX student loans, however it has been in deferment for the past XXXXyears. This  error has caused a negative score on my credit score. I tried to resolve with XXXX last year but they said they can't do anything about it & to contact the credit reporting companies - I filed an online dispute with each of them but it was denied despite me submitting the evidence the account is current and in forbearance for the past few years. On the credit reporting sites, it says I was late 90 days for each XXXX loan, however in the pic you can see the green dots indicate on time, plus I made a payment in XX/XX/XXXX on both loans - please note my forbearance ends in 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 2016-06-10
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am far from the first consumer to file a complaint about Ditech as of late. On all consumer sites I see the issues are similar : consumers have misapplied payments, most of the complaints say the XXXX 2016 payment was applied directly to principle, late fees, collection calls, payments sitting in unapplied. This for me personally has been going on for 3+ weeks.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Ditech Financial. On XXXX XXXX, I had damage to my home, causing an insurance claim. The claim was covered and the insurance started sending me checks right away. My mortgage company insisted on managing the funds and dispensing them as they were needed. I understood that and had no issues with that so I sent the funds to them. They sent me a check for the first {$10000.00} but no one told me it was coming so I was pleasantly surprised. Unfortunately, no one also told me that they were awaiting a series of forms from me ( that they also had not sent ). I called to make sure they had gotten what I had sent over already and asked them if anything else was needed. This was probably about XX/XX/XXXX. They said they were still waiting on some other forms and could n't release any other funds until that was received. I asked them to send me the forms that they needed filled out and I 'd get them finished. I received the forms about a week later and had them finished and sent a few days later. The company received them on XX/XX/XXXX. The company policy states that they take 7-10 business days to process the mail. That means I have to wait until XXXX for them to even read my forms that I sent. The biggest concern is that my contractor is at a total standstill and ca n't perform any more repairs until more funds come in. In addition to that, the insurance stops paying for the hotel tomorrow and I still have no kitchen. I called today and asked if anything could be done and the girl on the phone said that is policy and I have to deal with it. Unfortunately, apologies and policies are not legal tender at the hardware store so I 'm still without a kitchen and Ditech does n't give XXXX about it. I asked to speak with a supervisor and the girl on the phone said no supervisors were available and said I could leave a message to be returned in 72 hours. I told her that was not an option so she transferred me anyway. That 's more just general nonsense, but the main concern is that this company has {$30000.00} that belongs to my contractor and myself that they refuse to dispense because THEY did not advise me that they needed something. Long story short, they failed, I suffer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I opened the " 18 month interest free '' account XX/XX/XXXX and paid monthly on time via XXXX XXXX XXXX. After 18 months, XX/XX/XXXX, I was under the impression that the account was fully paid and therefore, stopped payment. I never received a bank statement from Synchrony bank to verify so I called them to confirm if the balance was paid in full and the representative on the phone indicated a remaining balance of {$180.00} was owed. I paid this amount and closed the account. Roughly a year later I received a letter from debt collections indicating that I owed {$1900.00}. I opened an inquiry to Synchrony bank via mail with support of all my monthly payments. Synchrony bank responded XX/XX/XXXX and attached old statements that were addressed to the incorrect mailing address. Upon opening the account XX/XX/XXXX, I resided at XXXX XXXX XXXX, XXXX XXXX, CA. These statements from Synchrony bank were sent to XXXX XXXX XXXX, XXXX XXXX, CA and the first statement was mailed XX/XX/XXXX ( more than a year from opening the account ). The first statement stated if the remaining {$490.00} was not paid by XX/XX/XXXX that I would be charged accrued interest of {$1200.00}. Again, I was not aware of this since it was mailed to the wrong address. In addition, the representative I called stated I owed {$180.00}. 
I never received a phone call, email or mail from Synchrony bank indicating these charges. They failed to communicate the timing of the charges. On my end I was proactive in making sure the balance was paid in full by 1 ) setting-up monthly checks via XXXX XXXX XXXX and 2 ) calling Synchrony bank to understand the remaining balance owed. In addition, when I did call Synchrony bank to understand if the balance was paid in full, I was provided misguided information by the representative : 1 ) not indicating the appropriate amount owed ( the representative indicated I owed {$180.00} ) ; 2 ) not indicating the date owed and 3 ) not pointing out the accrued interest charge.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/XXXX and XX/XX/XXXX Ive done 2 disputes with the credit bureau and waited 30 days each time for results. No results were given and even after disputing with the cfpd I was told I will get a response in 60 days. By law under XXXX Federal Fair Credit Act .I am to get a response with in 30 days of the date I sent the letter to the bureau for investigation. They company only had 30 days to prove any accuracy or remove entirely from my report. If these laws are violated i due monetary compensation of {$1000.00} per item They are also in violation of Fair and Accurate Credit Transaction Act of 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 2020-09-29
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
There are late charges on my account. I want TD Auto to explain why they are on my account. I submitted a request for someone to look into this from customer support, but they have not resolved the problem. I have had many issues with my account when I log in online. My online version seems to freeze and does not allow me to access my statements and other features online. I believe there might have been a data breach. I paid the balance I owed for XXXX in full. Somehow I am already being charged a fee for XX/XX/2020, and it is not even late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
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: Their investigation did not fix an error on your report

Complaint:
I have filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and  XXXX  has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to kee p myself protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Sale of account

Complaint:
SYNCHRONY BANK COMPLAINT I had a XXXX card serviced by Synchrony Bank. The servicing was then transferred to XXXX XXXX. I inadvertantly sent {$4300.00} to Synchrony Bank on XXXX XXXX. They received and cashed my check instead of forwarding the payment to the new XXXX, XXXX XXXX. I have called Synchrony Bank multiple times spending hours on the phone to no avail. I faxed a DISPUTE to them as per their request. I sent another copy via Certified Mail. I have never heard back from any of those DISPUTES. I called today and they can not anything in " their system '' connected to my name nor my payment of {$4300.00}. I want my money refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In 2015, XXXX XXXX announced that it was switching its credit card partnership from XXXX XXXX to XXXX. Before the switch took place, I decided I did not want to have a new credit card and asked XXXX XXXX not to share my data with the new company, Barclays Bank. Nevertheless, I received a XXXX in the mail. My details, including my Social Security Number, was given to Barclays without my authorization. Evidently this is legal. It should not be. In any case, I did not activate the card. This month, Barclays and XXXX XXXX fraudulently billed me {$40.00} for the annual fee for a card I never activated. I have spoken to Barclays, and the supervisor says she " waived '' the fee and closed the account. Had I not caught this billing for a non-existent card, my credit score may have dropped. The Barclays ' supervisor informed me that the bank is over 300 years old and is highly reputable, however, she said, XXXX and XXXX had not indicated to the bank that I did not want to have a new card, so Barclays could not be blamed. I had called Barclays numerous times to complain about the bills they were sending me. No doubt XXXX XXXX and XXXX XXXX acted in bad faith by sharing my details without my authorization. However, the {$40.00} service fee can not be attributed to any other institution than Barclays. In 2015, XXXX XXXX announced that it was switching its credit card partnership from XXXX XXXX to XXXX. Before the switch took place, I decided I did not want to have a new credit card and asked XXXX XXXX not to share my data with the new company, Barclays Bank. Nevertheless, I received a XXXX in the mail. My details, including my Social Security Number, was given to Barclays without my authorization. Evidently this is legal. It should not be. In any case, I did not activate the card. This month, Barclays and XXXX XXXX fraudulently billed me {$40.00} for the annual fee for a card I never activated. I have spoken to Barclays, and the supervisor says she " waived '' the fee and closed the account. It is not clear to me whether my credit score will suffer. Had I not caught this billing for a non-existent card, my credit score may have dropped. The Barclays ' supervisor told me that the bank is over 300 years old and is highly reputable, however XXXX XXXX and XXXX had not indicated to the bank that I did not want to have a new card, so they were merely following up. However, the {$40.00} service fee can not be attributed to any institution other than Barclays.

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 2016-08-25
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had a card Upromise XXXX account ending in XXXX and apparently from XXXX payment from my account I am being held responsible for this account. I am a victim of ID THeft and I would appreciate this card to be handled under that protocol.

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 2016-05-03
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: Other

Complaint:
1. Date of last payment is being reported incorrectly on credit account for Synchrony Bank/JC Penney on the XXXX credit report ( report XXXX, date XXXX XXXX, XXXX ) and XXXX credit report. The date of last payment is reporting as XXXX XXXX ; however, last payment was on or around XX/XX/XXXX or XX/XX/XXXX. 

On XXXX XXXX, XXXX, I attempted to reach Synchrony Bank/JC Penney at ( XXXX ) XXXX XXXX, the number listed on the credit report, and spoke with XXXX, id XXXX, who advised that I needed to speak with a " specialist '' at XXXX XXXX XXXX. Upon calling that number, I was placed on a lengthy hold and then disconnected. 

I called a second time to speak with an agent/ '' specialist '', XXXX XXXX XXXX She said the company maintained absolutely no records regarding this account, that it had been sold to Encore XXXX, and that the account and records had been transferred to XXXX ; however, it is not XXXX that is reporting this item. XXXX admitted that, in fact, Synchrony was reporting this item despite having no records to support the reported item. 

I believe that is wrong and unfair. I asked for the item to be deleted, and was advised she had no option over the phone to process that request. While offered the opportunity to write a letter, I do not think it 's fair that I, the consumer, would have to go through all of that burden, when they are the ones reporting items incorrectly and with no documentation to support this. I would like the CFPB to review this problematic practice.

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 2016-06-04
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card
Issue: Billing disputes

Complaint:
I was advised by the credit card company in XXXX, XXXX that my card had been compromised and they cancelled that card and reissued a new card. Statement for XXXX shows charges and refund amounts. There were XXXX charges no refunded for a total of XXXX that were charged on XXXX XXXX. I called the credit card company and they told me to wait a little longer. In XXXX, I send a letter to Synchrony Bank Legal Dept about the XXXX charges. I received a letter back to wait XXXX to 8 weeks again. Neither of the charges were removed. In XXXX, XXXX, I sent another letter and received the same form letter back from them.. Nothing has been done yet. Charges were to XXXX for {$410.00} and to Lowes for {$210.00}. I have been paying interest on this amount for some time as I did not want to pay for amounts I did not charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent in my XXXX payment ( on time ) of {$890.00} and noticed the payment hadn't posted. I received a notice from BOFA stating that they could not post my payment because it was XXXX cents short. I never received any notice that my payment amount had changed so I sent in my XXXX payment but only included XXXX cents of the XXXX cents owed. I checked my account and noticed that neither the XXXX nor the XXXX payment was posted and was showing a past due amount of XXXX cents. I went into my local BOFA branch and paid the XXXX cents and was told that the payments would be applied. Last week I received a notice stating that my account was past due notice that my account was past due XXXX XXXX dollars. I call customer care on XX/XX/20 and was told that they had changed their payment system and that they were behind on posting payments. Two days later my payments are still not posted and they have now reported this to the credit bureaus. Today is now XX/XX/20 and this problem has still yet to be resolved and another late notice was received.

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