BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-18
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
About a month ago, my credit card was compromised which required me to get a new card with a new number, during this process Barclays Bank of Delaware declined XXXX recurring charges for my gym membership in the amount of {$17.00} two times for both my membership and my wife 's. A few days later, due to the payment being declined the gym submitted XXXX charges of {$42.00} ( {$17.00} membership fee + {$25.00} late fee ) which Barclays allowed to be charged to the cancelled card. I have been disputing the {$25.00} portion of the XXXX charges with Barclays as in my opinion this late fee was charged to me due to their actions.

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 2017-04-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Additionally, I h ave a Fraud Victim Alert in pl ace with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 according  to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit.  XXXX  told me this is not supposed to happen with  a Fraud victim Alert in   place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?

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 2016-08-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Late fee

Complaint:
WE HAVE SEVERAL ACCOUNT WITH THIS COMPANY WE HAD A FAMILY EMERGENCY MY DAD PAST AWAY I CALLED EVERY ONE OF THERE CARDS AND TOLD THEM THAT WE WILL BE OUT OF WORK AND OVER SEAS AND WAS PROMISED NO LATE FEES WILL BE ASSESSED BUT THEY DID AND REPORTED ME TO CREDIT BUREAU AS LATE WHICH RUINED MY CREDIT SINCE THEY HAVE MOST OF MY ACCOUNTS

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 2016-11-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I lost my job due to career change. I had to take a job in XXXX, Texas. My primary residence is in XXXX, Texas. I discovered Lowes Home Improvement was charging me an excessive 24.99 % APR and called them to ask for help since I was having financial difficulty managing XXXX separate households. They connected me with Synchrony Bank hardship department. The understanding I had with them on the phone was they could help me with a lower interest rate, BUT, I needed to close my account first. So reluctantly, I closed the account. However, its now been over a month since I did what they asked and I have yet to see a lower rate? All I 'm asking for is a little help. I do n't feel like {$150.00} a month in interest is fair. Especially towards someone that 's been a valued customer for over 15 years. I just ca n't see the logic in paying that much interest on an account that 's since been closed. Please help me.

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 2021-06-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This XXXX XXXX mortgage debt does not belong to me under account number XXXX. Please remove the item from my credit report as soon as possible. I've sent several letter to the credit bureau, with no response. So now I'm reaching out to ( CFPB ) To get this matter resolved so if someone form this department can handle this matter and get back to me asap it will be greatly appreciated. Thank you.

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 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Problem with personal statement of dispute

Complaint:
Note : This complaint was previously submitted on XX/XX/2019 ( XXXX ). Despite appeals to Bank of America and CFPB, I got only the standard response and no redress. I had given up except for what I have read since the XXXXXXXX XXXX XXXX protests from last summer -- minority voice suppression via redlining, consequent credit damage and hiding behind fine print legalese to thwart responsibility of financial institutions. As a XXXX XXXX, I wonder if I have been given the same treatment by Bank of America. I hope your office will look at my complaint again from a civil rights perspective. 

To recap, the Overdraft protection ( Line of Credit ) covered a {$200.00} shortfall in my Checking account. A transfer of {$10000.00} was made from our Savings account to our Checking account the next day assuming all is now well. Without a noticeable alert or warning from the Bank, the {$200.00} overdrawn amount in the Line of Credit incurred interest of just {$10.00} over 81 days when I got a delinquency call and I rushed and paid off the amount. However, my credit score took an instant drastic hit from about 840 to around 700 as a result. It will take me several years to get my credit standing back. 

It is unfair of Bank of America to continue such usurious practices. Of course, the public be XXXX  when Banks with assets of {$1.00} XXXX or more accounted for {$11.00} XXXX in overdraft fees in 2019, according to the XXXX XXXX XXXX XXXX. They should be taking a page from XXXX XXXX  that alerts customers when their balance is low and helps them to avoid overdraft fees. 

I hope CFPB will reopen my complaint, insist on Bank of America to provide restitution and change regulations to prevent such abuses in the future.

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 2015-12-12
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from AdAstra Debt collection company regarding a payday loan I owe. I was threatened numerous times by a representative named XXXX. I asked XXXX to speak to another associate and he declined. XXXX stated he is the only XXXX I am able to speak to because he is handling the account. XXXX hung up, I called the company back hoping to speak to another associate. A representative name XXXX answered the phone and stated she was unable to assist that she would be transferring me to XXXX. I explained to XXXX that I was not comfortable speaking with XXXX and she still refused to assist me with simply taking a payment. XXXX advised me that unless I want the collection to be reported to the credit bureau then I better speak with XXXX. At this time I released the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The account was discharged from my account XXXX 2011 please removed from my credit report

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 2016-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent this letter on XX/XX/XXXX, but I they have not responded yet.

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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 been sending out letters to the Bureaus to delete those inaccurate information on my credit report especially all those student loans account, they all have different Date of last Active. I haven't received any response regarding these accounts. This stops be of getting approved for any credit and they are hurting my scores.

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 2017-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently moved and updated my address with all of my credit card companies. I 'm assuming that after doing so, this prompted an alert and it was deemed as fraud by the credit bureaus. Therefore, all credit reporting bureaus are reporting that the valid accounts under my name are fraudulent causing them to be closed in error. I contacted each company and they stated that they 're going by what the credit reporting bureaus are providing and can not re-open the account unless they contact them directly to let them know it was in error. I 've contacted them to provide such information to no avail. Slowly all of my accounts are getting closed and this is detrimental to my credit file as inaccurate information is not being reported under the Fair Credit Reporting Act.

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 2015-11-16
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I obtained a mortgage of {$190000.00} from XXXX XXXX XXXX Mortgage XX/XX/XXXX with a PMI of {$100.00}. The ORIGINAL HOME VALUE was {$230000.00}. The mortgage was immediately sold XXXX and had it for 5 years. In XX/XX/XXXX I applied for a loan modification and got approved where my mortgage was now {$190000.00}. In XX/XX/XXXX my mortgage was again sold to Green Tree. Since XX/XX/XXXX I have continuously asked for my PMI to be removed but kept on being denied. This year XXXX XX/XX/XXXX XXXX my mortgage is at {$160000.00} I asked for the automatic termination as stated in the Homeowners Protection Act. I got the run around for months and after months of it, I finally received a letter XX/XX/XXXX that my PMI will be automatically terminated XX/XX/XXXX. It is now XXXX and I am still being charged a PMI and after numerous phone calls, faxes and requests, they are now stating that my PMI will be terminated XX/XX/XXXX!! XX/XX/XXXX I will reach 62 % of my LTV ratio. 
GreenTree ( Ditech now ) is NOT in compliance of the Homeowners Protection Act for the following reasons. 
1. Loan modification in XX/XX/XXXX did not include a new letter or contract for the PMI stating the terms, time of automatic cancellation or when my loan would reach 80 % LTV ratio. They are refusing to supply me with this type of letter. 
2. There was no new appraisal to calculate LTV ratio during loan modification. 
3. They are NOT using the original appraisal value to calculate LTV ratio to remove PMI. I do not know what value they are using because they did not do another appraisal on my home besides the original appraisal. I asked them for the appraisals that they have on file and they only gave me the original of {$230000.00}. 
4. Currently my LTV is XXXX % when using ORIGINAL HOME VALUE. 
5. They are not honoring they letter to remove PMI XX/XX/XXXX. 
6. Ditech is now requiring me to complete a customer-requested cancellation where I have to pay for another appraisal, but it is not necessary as this should be an automatic termination since my LTV is XXXX % and nowhere near 80 %!!!! 
7. Refuse to put anything in writing when asked for letters stating their position and explanation. 
8. Refuse to allow me to speak with anyone such as the escrow department other than customer service. Customer service ALWAYS states that they do not know or are unaware and will forward my information and someone will get back to me either by phone, email or mail. No one ever responds. 

GreenTree ( Ditech ) is NOT in compliance with the Homeowners Protection Act of XX/XX/XXXX and should be fined!!

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 2018-05-29
Company: Williston Financial Group
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX we sold our home in California, we had received help beforehand from HUD in the form of a subordinate deed of trust, understanding that when sold the sub becomes primary and is paid out first before any monies are paid. 
The title company WFG Financial gave us written assurance that 1 ) they were now responsible for paying said Sub and 2 ) that the amount withheld was sufficient for the Sub and Prim deeds.

I refused to sign any paperwork until I was assured this was delt with and we were free and clear. We closed XX/XX/XXXX, XX/XX/XXXX I get notified that the US Treasury is going to garnish my wages due to the HUD subordinate deed of trust not being paid, I have spent a year now dealing with WFG Financial, The Escrow company, XXXX and XXXX XXXX  about this issue and have been threatened with lawsuits, ignored and denied service, this lein is still upon the property in XXXX California to this day, the sale was not recorded with HUD by title and has sold twice with a dirty title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: OK
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:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2015-12-28
Company: Credit Clearing House of America, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They are attempting to collect a debt that is not mine. It is a medical bill co-payment for my children under their fathers health insurance. I am not married to thier father. Our divorce states that he is financially responsible for medical insurance and expenses. I have notified the company of this by phone at XXXX. I have been getting repeated collection letters. After calling to notify the company that I this is not my debt on XXXX/XXXX/2015, I was yelled at on the phone by the answering representative who demanded to know my relationship to the insured and insisted that as a parent I was " 100 % responsible for the bill. '' I asked to speak with her supervisor. She then told me she was the supervisor. I asked to speak to her supervisor, after a brief hold, I spoke with a someone who identified herself as XXXX XXXX of Credit Clearing House of America ID # XXXX. She states that she has no direct phone extension and that the only other supervisor is XXXX XXXX, also with no phone extension. She refused to provided me a name for an owner or higher up representative of the company. She states that it is not her responsibility to investigate this claim and suggests that I send a letter addressed to the unnamed " owner. ''

Company response to consumer: Closed
Consumer complaint received 2015-07-13
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My original loan was with XXXX who sold out to XXXX XXXX XXXX who sold my loan to GreenTree Mortgage AFTER I went through the process of a mortgage reduction program. I had to file a complaint to get my reduction program loan closed because they were holding my entire financial world in limbo for over a year, hurting my credit, when a loan should be closed within 30 days. It was ridiculous but it helped eventually because we get {$1000.00} cut from our principle ANNUALLY if we pay on time and I do BUT now that it 's been transferred to GreenTree, they are intentionally trying to make us late on payment by not sending us our invoice in time. I have been paying ahead of the invoice because I never receive it in time to prevent late payment which is a HUGE XXXX BUSINESS TACTIC. Even though I sent my payment ahead of invoice receipt last month, the payment was n't posted as received until seven days after it was due on the first which is a lie. They are trying to cheat me out of the program 's {$1000.00} annual principle reduction. This whole program is XXXX trickery and I want the fined to the hilt for what they are doing to us. There are XXXX of us on these loans and I 'm CERTAIN that I am not the only one suffering this. Make them give us what they promised because we are never late on our payment. They 're MAKING us late on PURPOSE by holding invoices and payment on receipt in order to prevent having to keep their promise of annual principle reduction of {$1000.00} for on-time payments. Regardless, I want my invoice sent out ON THE DAY they receive a payment to prevent it ever been later than the payment due date again. This is insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Ditech Financial LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom this may Concern .... my wife and I have a mortgage through a company called Ditech. Around XX/XX/2015 I was released from my job, at the time I was making around {$48000.00} a year. Immediately after I was released I contacted Ditech to keep the communication line open just in case I fell behind with the payments they would know why. To make a long story short this company has been harassing us to no end, when I tried to make the past due payment last year around XX/XX/XXXX one of the customer service reps told me that I did n't have a payment due at that time and I was told to make my regular payment on another date. NOTE : THIS IS ONE TIME THAT I WHISH THE PHONE CALLS WERE RECORDED LIKE THEY SAY THEY ARE BECAUSE THEY WOULD CLEARLY HEAR THAT CONVERSATION AND HOW I WAS GIVEN THE WRONG INFO. So with all that being said I never lost communication with Ditech and I 've been trying my best to work this situation out with them. Then I 'm told that I qualify for a modification, so my wife and I submit all the documents that they asked for at least three times and every time they kept telling us that we did n't submit the proper paperwork in time. After communicating with these people on a regular basis they still sent someone out to post notices on our door and when I asked the rep Why were they doing that? he told me that they do that to make sure the property is being occupied so I tell him is all they have to do is ring the doorbell because we 're home each time they do it, it 's embarrassing.Finally I work out an agreement to pay an additional {$600.00} to my regular mortgage payments to try to catch up on the past due payment and these payments are set up to come out of my account automatically but do the harassment stop ... .no it gets worst now they are sending us certified forclosure letters and to make matters worst the letters are going to our neighbors houses. Please is there anything that can be done to stop this harassment, I can see if I had n't been communicating with these people but I have been up front with them since last year and they still are harassing me over one payment and some late charges. Now I 'm making {$52000.00} a year and have been trying my hardest to catch up not just with my mortgage but with other bills also. It 's seems to me that they do n't want to work this out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016 we closed escrow on the sale of our prior home on which we have a mortgage with US Bank. 
The payoff of the mortgage occurred as part of escrow : the total payoff amount of {$190000.00} included principal ( {$190000.00} ), interest ( {$440.00} ) and fees ( {$41.00} ). Interest covered the period from XXXX/XXXX/2016 through XXXX/XXXX/2016. 
After contacting US Bank, they acknowledge receipts of the payoff on XXXX/XXXX/2016, but claims that I 'm not entitled of any refund of the interest amount covering the period after the payoff. Since the mortgage was closed on XXXX/XXXX/2016 I should received a refund of the interest amount covering the period from XXXX/XXXX/2016 through XXXX/XXXX/2016. That amount should be equal to {$200.00}.

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