BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-27
Company: Westside Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Westside Recovery SVCS is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.

Company response to consumer: Closed
Consumer complaint received 2017-02-06
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XXXX XXXX, 2017 my mother who is an authorized user on my Walmart credit card which is managed by Synchrony Bank contacted synchrony bank to see if there was {$40.00} available to spend. The customer service rep. Advised that there was enough. Less than an hour later my mother went to was Walmart and picked up a few items. However while checking out the Walmart card was declined. My mother advised me of this incident and I called synchrony bank as asked what happened as o should have almost {$160.00} in available credit. When I called the customer service rep advised that this account credit limit had been lowered the same night. This account is always been paid in great standing. Synchrony bank only dropped my limits after I paid down XXXX other accounts with them. I believe this is retaliation due to me previously filing a complaint against them. Synchrony also lower my Lowes account and my Phillips 66 card. My initial complaint was due to the banana republic card being reported as late. Synchrony is caused my score to lower due to reducing my credit limit causing my utilization rate top go up. Synchrony bank needs to stop 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 explanation
Consumer complaint received 2017-02-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Received a letter today from Synchrony Bank stating that they reviewed my account and decided to lower the credit limit on my Chevron and Texaco Credit Card account to {$1200.00}. My limit was previously {$3000.00} and I 've had this credit card for over 10 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 explanation
Consumer complaint received 2015-10-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Synchrony Bank refuses to stop calling me at XXXX every morning unless my relative calls to have my number removed from the bank 's contact information. I do not have an account with them yet they continue to harass me even after I requested they stop calling every morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have Violated my Rights 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS 15 US Code 1605 " Definition of a FINANCE CHARGE '' Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment 540 and installments 15 US Code 1635 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Late fee

Complaint:
I paid my credit card payment at XXXX on due date XXXX XXXX 2015. The summary said payment was madeXXXX and will post on XXXX XXXX 2015. Barclay credit card has a cut off time of XXXX for payments. All of my other credit cards have a XXXX cut off and this is hard to remember. My statement arrived and has a late fee of {$37.00}. I called Barclay and ask for a refund. They said the payment was made at XXXX and refused to give me a refund. This is ridiculous that I have to pay a late fee for XXXX minutes over. I am requesting that fee to be refunded. The late fee was posted XXXX XXXX the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30
Company: Optimum Outcomes, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX in North Carolina erroneously charged me {$270.00} in fees for doctors appointments in XXXX and XXXX XXXX that resulted in XXXX collections accounts being sent to Optimum Outcomes Inc. Optimum Outcomes listed these accounts on my credit file in early XXXX. After contacting XXXX XXXX 's billing department to research the erroneous charges, they pulled the accounts out of collections and closed them/zeroed the balance ( to date, their systems show these accounts as closed ). It was also updated at Optimum Outcomes to show the accounts were resolved/closed. At the time, these accounts were removed from my credit file. 

In XXXX XXXX, these accounts reappeared on my credit file ( I was given no notice via mail or phone that these accounts were reopened or there was an attempt to collect a debt ). In late XXXX, I called XXXX XXXX 's billing department and XXXX XXXX confirmed the accounts were still closed with them and they had not taken any further action. I contacted Optimum Outcomes and was told their systems showed the accounts as closed. They advised me to contact the credit bureaus to dispute the items as they had no explanation for why they reappeared. I disputed with all XXXX bureaus. XXXX researched the dispute and informed me that Optimum Outcomes responded to their inquiry stating the accounts were open and unpaid. 

These accounts were closed in early XXXX, there is no reason why they should be open as I do not owe XXXX XXXX or Optimum Outcomes any balance. 

This has negatively impacted my ability to refinance my home as my credit score has dropped dramatically. I can no longer secure the rates that would have been available to me before my score dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX XXXX, 2016 I mistakenly made a payment of {$1300.00} to a closed Citi card ending in XXXX. I have called and requested a refund a number of times. Each time I call I am told something different. I have been told that my checking account was refunded on XXXX XXXX, 2016, XXXX XXXX, 2016, and XXXX XXXX, 2016. None of this is true. When I call ( at least 15 or 20 times ) I am told someone who can help me will call back in 24 to 72 hours, I have only received on call back on Sunday XXXX XXXX, 2016 from XXXX on team XXXX at ( XXXX ) XXXX. We talked about the lack of my refund, she said she would call my bank and get back to me in 24 to 48 hours. She has not gotten back to me in 8 days. I have called the ( XXXX ) XXXX number back twice and left messages, no returned calls.

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 2016-03-16
Company: Convergent Resources, Inc.
State: FL
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:
A bill for XXXX was sent to me as a debt collection notice from XXXX, out of NJ. I requested proof of the debt upon request for payment. I never received debt validation or a response. I recently receive a another notice about 2 years later from convergent outsourcing INC from XXXX WA trying to collect the debt from the debt collector XXXX I have request debt validation once again via certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Convergent Resources, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Caller repeated left robo messages on my mother 's answering machine. The record message identifies itself as XXXX XXXX and states that they are trying to collect a debt from an individual we do not know. No company name, phone number, or other identifying information is provided. I happened to be at home for lunch during XXXX of the calls and answered the phone, then waited for an operator. The operator XXXX stated that the company name was Convergent. I believe the full name of the company is, " Convergent Outsourcing Inc. '' There are likely many other victims who can not complain as the company does not provide any identifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Convergent Resources, Inc.
State: MD
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:
About a year ago I had a debt collector convergent try to collect a debt for XXXX in which I still have XXXX I disputed this with all XXXX credit bureaus and they removed it form my credit report they are saying I owe XXXX I do n't owe this money I never miss any payments for XXXX and I still have XXXX as of today

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
AFTER RECIEVING MANY PHONE CALLS, I SENT LETTER DATED XXXX XXXX, 2016 REQUESTING COMPANY CEASE ALL ATTEMPTS TO CONTACT ME PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). THIS WORKED UNTIL XXXX XXXX, 2016 WHEN CALLS RESUMED, THE MOST RECENT CALL CAME TODAY XXXX XXXX, 2016. ANY ALLEGED DEBT WOULD CERTAINLY BE OVER 10 YEARS OLD SINCE DATE OF LAST PAYMENT. THE STATUTE OF LIMITATION FOR LITIGATION HAS LONG PAST ( 5 YEARS FROM DATE OF LAST PAYMENT IN ILLINOIS ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I paid off my credit card on the XXXX of XXXX, I paid in full, and now I 'm getting a bill from the credit card company for finance chargers for the month 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 monetary relief
Consumer complaint received 2015-06-16
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern : Can ANYONE help? I have fulfilled all requirements re Claim # XXXX dd XXXX Green Tree Loan Servicing, & I am being told that I MUST wait until further investigations are complete before the check which was issued by XXXX XXXX can be released to me for completion of repairs to the home I live in. 
I have an XXXX 15 year old daughter who is suffering in this HEAT WAVE -- -along with XXXX cats, a bird my wife and myself. 
No hotel will take us. 
My next step will be an attorney & the Media. 


XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-21
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I have made an application at Regions Bank over XXXX months ago. I was given a committment and the loan was schedule to close from XXXX XXXX. I was given an extension afer being told by the Bank that I needed extra time for a bond to be processed. The extension was granted to XXXX XXXX and up to date I can not get a cleared to close. I have been trying without avail for anyone to communicate with me as to what is happening on this loan. I have given up my appartment and I am a single mom with XXXX small girls and I dont know what to do or where to go. I have given the bank all the documents they required in a timely manner and I just need to know why. My previous loan officer who started the file resign and after that no one wants to do the file and has asked her why is she always tring to help these " little people ''. I guess my loan amount is too small and I am a minority.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company is refusing to remove my PMI insurance even though I meet the XXXX rule. I received a new Appraisal on my home and the new ratio is 77 % on the loan balance. The ratio is 79 % on the original loan amount. I have tried numerous times to get this removed and am getting the runaround. My last call they told me it had to be 75 % which I have never heard before and they can not show me where it states this. In my loan paperwork it states 80 %. No one is returning my calls and customer service claims they cant help me - the Escrow Dept only can, yet they do not have any direct way to get in touch with them. Someone is supposed to call me back and no one is - I 'm at a dead end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I HAVE NUMBER ATTEMPTS CONTACTED CHASE CREDIT CREDIT CARD XXXX IN REGARDS TO ACCT : ******************* THAT IT IS NOT REPORTING TO MY CREDIT AGENCY : IT DOES NOT SHOW ON EITHER OF THE CREDIT AGENCY. I CONTACT NUMBER OF TIMES AND THEY STATED I FILED A DISPUTE TO TAKE IT OFF MY CREDIT REPORT : THEY ARE INCORRECT, FOR WHAT EARTHLY IDEA I WOULD STATE THAT AND WHEN. I HAVE XXXX ACCOUNTS WITH CHASE BANK SINCE 2012 AND PAID AS AGREED AND NEVER LATE, WHY WOULD I WANT TO DELETE FROM MY CREDIT REPORT. I WOULD LIKE FOR CHASE BANK TO PROVIDE A WRITTEN LETTER HEAD SIGN BY ME WITH MY ID TO REQUEST FOR THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase closed my newly opened account with no explanation and is now holding my entire deposit for ten days. The deposit is {$8500.00} dollars that I ca n't access. They should not be able to hold my money. I did n't even get A reason. I want my funds and I want to be able to pick it up, not mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have called Chase on multiple occasions to confirm their process on overdraft fees and was consistently told pending charges process at XXXX eastern ( one person even said XXXX ). I have on at least 3 occasions now been charged overdraft fees for charges listed as pending after this time and for which a deposit was made. excuses range from 'that shouldnt have happened ' to 'your deposit was pending '. I have never been charged an overdraft fee or been denied access to funds when my direct deposit hit, so I do n't know they are consistent in answering this. To date I have paid at least {$170.00} fees in this manner, where a charge is listed as pending after their processing time, a deposit is made, and I am still retroactively charged an overdraft fee. I have also paid fees, even after Chase 's settlement, for their stacking of charges to maximize overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10
Company: JPMORGAN CHASE & CO.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan through JP Morgan. I had someone hack into my bank account and I tried to remake my payment. JP Morgan took the payment out of my account three times for a total of XXXX This happened on XXXX XXXX, it is now it is now XXXX XXXX and I have been getting the run around by them. 
I have yet to get my money back. Every time I call I get a new date of when I can expect my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27
Company: JPMORGAN CHASE & CO.
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
JP Morgan Chase closed homeowner 's Original Loan ( ... XX/XX/XXXX ) on or about XX/XX/XXXX during the commission of illegal loan procedural acts. JP Morgan further covered up these illegal loan procedural acts from homeowner until she accidentally found out from their own employees during XXXX holiday in 2014. Homeowner also discovered other illegal loan procedural acts performed by JP Morgan Chase. JP Morgan Chase had no intentions of letting this homeowner know about their illegal loan procedural acts. Because of the continued cover-up homeowner reserves any and all of her rights against JP Morgan Chase individually and on behalf Fannie Mae and Fannie Mae. Homeowner is attaching a Complaint to this form known as " Closed Loan Return Deed Complaint with CFPBSee attachment - Closed Loan Return Deed Complaint with CFPBSincere & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
JPMorgan Chase, double charges interest on paid items, double billing. 
As explained to XXXX XXXX, attorney for Chase, XXXX, who did not have the courtesy to return a call and investigate, but obnoxiously had other employees calls and harass us, while refusing to credit disputed amounts. 
Chase actively engages in interest charges on debt paid on time ( doublecycle billing ) although the account is paid a substantianly amount, still interest is imposed on the balance like no payment took place, and in addition payment made at a branch its not credited immediately and Chase charges daily interest as the payment was done the following day. 
Chase employees are abusive, they treaten to report derogative information to credit bureau, and even made calls of coming to our property to make good on the credit card debt, although this is a insecure loan. 

According the APR and calculations Chase has cheated closed to {$300.00} so far. 

Additionaly Chase nowhere posts online or the terms or agreements as require by law, and they tend to call past calling hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Borrowers submitted request for mortgage assistance and attached all required information, including Request for Mortgage Assistance form, proofs of income, bank account statements, 2014 tax return, and IRS Form XXXX. Subsequently, borrowers received correspondence from customer service stating that application is incomplete with the same forms previously submitted attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Contact a car title company then received calls from Wilshire Consumer Credit unknowing they were a cold call marketing scam company where they indicated 9.5 % then came to deliver contract in the evening received documents showing an undisclosed percentage with check of {$2500.00} then they after received XXXX payments they stated I signed and initialed for 95 % annual interest rate and my payoff is more then borrowed unless I pay off after 24 months. After I contacted them they said other fees applied like daily interest rate along with payoff fees, administration fees, and only {$33.00} dollars go towards loan but the daily interests is charged XXXX. I need to see what I can do to fix this problem to get my vehicle cleared

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation