BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We selected Sebonic Financial for our mortgage refinance. I believe they also go by the name of XXXX Financial. The reason we selected them was the low mortgage rate and costs to refinance. We have provided all the documents and responded on a timely basis. Each person I have dealt in their organization appears to be dragging their feet with the processes. They do n't return phone calls, information is lost, they tell me that they have all the documents and then they request more .... 

We are coming up to the end of our rate lock period. Now they are trying to extract additional payment from us for a rate lock extension. We have done everything to be timely in getting the appropriate paperwork to them, made arrangements to get the appraisal done, responded quickly to their requests, but over and over again, they drag their feet. It is as it the process is designed to get you to commit and then up sell you with rate lock extensions. I am starting to believe that they never expected to fund the mortgage at the rate they committed to. The whole process is designed that you ca n't get the process done in the rate lock period. 

Here are some of the tactics I have seen. Not just one, but a number of their people never return calls. They lose documents. They arrange for the appraisal, but the appraisers refused to accommodate any time ( weekends, evenings ) other than XXXX to XXXX. The person handling our loan told us that via email that they had received the appraiser the day after the appraisal. Then, yesterday they told us that it was n't received for 6 days. This was also in email. The person handling our loan gave us the wrong underwriter. The underwriter could not find our loan. Then, the same person handling the loan told me that the underwriter was the sales person which I knew was incorrect. 

In closing, their whole process seems to be a bait and switch. They sell the low rate and costs. Then, they drag their feet to close the mortgage refinance. Finally, they push for rate extension payment. My belief is they never intended to provide the rate that was locked in up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Issue: Other

Complaint:
Ive had fraud on my Barclays XXXX XXXX and have never received any correspondence or request for information previously. Out of the blue one day I received a call asking for additional information and stating that they would be sending me a form that I would need to complete and sign which was some kind of affidavit, which I did n't receive until XXXX/XXXX/16 from charges that occurred in XXXX 2016. I also spoke with a woman named XXXX who asked me about getting a police report filed to which I did and ended up having to drive over 2 hours to get for them because they would not accept the report number and needed a copy. Well I have done everything they have asked me to do and went through great lengths and hurdles to do what they asked. Now after doing everything they have asked, they are trying to hold me accountable for fraudulent charges that I did not make. Spoke with a Supervisor name XXXX on XXXX/XXXX/2016 who said that she confirmed that the police report was received and she would send the claim to another investigator to re review and at this point charges were not back on my account. I called XXXX/XXXX/16 and spoke with another woman named XXXX who advised me that they did not show any notation of the police report so I faxed it again and I also received an affidavit which I faxed back as well. I call again today XXXX/XXXX/2016 and find charges back on my account and speak with XXXX again and she explains theres nothing she can do because the bank was n't able to determine whether or not I benefited from the transactions that they decided to make me accountable for the charges. This is completely wrong!! Ive done everything they 've asked me to do and they have waited 2 months to ask me for anything and now want to hold me accountable for something I did n't do and because according to the supervisor XXXX because they ca n't determine if I benefited or not they are holding me accountable and I would need to seek options outside of the bank. This is wrong, Ive done everything they asked me to do including making a police report and signing and getting everything they 've asked me to do and now they want me to be responsible for something that I took no part of or benefited from, this is wrong

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 2015-11-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I signed up for the Care Credit account I 'm XX/XX/XXXX. They had a " promotional '' deal with low interest rates good for 18 months ; the rate thereafter would go into the high 20 's ( 26 % + ). 

The expiration for the low rate was XXXX, whereupon an accrued amount of {$3000.00} was added to my balance taking it from $ XXXX to $ XXXX. 

My understanding of how the rate increase would occur was that at the end of the promotion, my remaining balance would be charged interest at the non-promotional 26 % + rate. It was never explained otherwise to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-01
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a HAMP mortgage since XX/XX/XXXX. It was with XXXX and sold or taken over by Ocwen Servicing when XXXX went out of business. Ocwen is a debt collection agency ; however, we have never been late on our mortgage payments.Whenever we contact Ocwen they treat us like we are delinquent in our payments, regardless of our excellent payment history. 
We have tried a couple of times to get information from Ocwen about the terms of our HAMP loan. We want to know why we did n't get paid {$5000.00} after the first 5 years for an incentive offered by HUD for HAMP loans. There is also supposed to be another {$5000.00} incentive after the 6th year as well as the opportunity to reamortorize our loan. We ca n't get Ocwen to explain anything to us about these incentives or tell us why we did n't get the {$5000.00} when we completed year XXXX on XX/XX/XXXX. They tell us we need an appointment with a representative but they ca n't get us an appointment and do n't call us back. An escalation manager on our call today told us he can call us back in a week to get us an appointment with a representative. This is the same answer we received 3 months ago from them and no one ever called us back. If they service our loan why ca n't they tell us anything about it? Are they getting paid for servicing our loan? This is unacceptable and we 're stuck with this company that is a debt collector not a mortgage company and has awful customer service.

Company response to consumer: Closed
Consumer complaint received 2022-01-02
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was linked to my XXXX XXXX XXXX, XXXX CA. 
I called XXXX a while back and closed the account when I moved out of the home. 
XXXX had my wrong email address, which they admitted to and they failed to update my forwarding address. 

The collection company failed to send me notice of adverse reporting. I recently got new service with XXXX, who only then told me an additional account was in collection and gave me the collection companys number, I immediately tried calling the collection company who told me that they couldnt find my account in their system and that I had to wait a month. 

Unfortunately after that time the account was already reported to my credit report. And now the collection company states they wont remove the account from my credit report. 

This has destroyed my perfect credit score and Im unable to finance properties for my real estate business.

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 2022-01-02
Company: Experian Information Solutions Inc.
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:
Seeing a fraudulent and inaccurate inquiry on my Experian personal credit report made me have painful headaches. I then submitted a CFPB compliant ( XXXX ) ( Exhibit A ) on XX/XX/XXXX about a fraudulent and inaccurate inquiry on my Experian personal credit report. On XX/XX/XXXX, Experian responded ( Exhibit B & C ) to me stating that they will be removing/deleting the fourth inquiry on my identity report ( Exhibit A ( 1 ) ) which is XXXX - XX/XX/XXXX. The removal/deletion of that fraudulent, inaccurate, and unauthorized inquiry is their admittance to violating me pursuant to the Fair Credit Reporting Agency . I am owed {$1000.00} for that violation and I want Experian to send me what I owed by XX/XX/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 non-monetary relief
Consumer complaint received 2016-03-31
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
As a result of a serious personal issue my account was past due. I had communication with customer service but due to my circumstances was not able to make the payment on the agreed upon date. I did however pay the account balance in full a few weeks past the agreed to date. 
I went online and found that my account had been closed however I did not receive any prior notification of a pending closure nor was I advised by the customer service team that this was about to happen. 

I had a conversation with one of the customer care account executives who was short and abrasive. He belittled me personally and did not want to hear about my personal circumstances and he stated that my 9 year history did not mean anything to him. When I asked for a higher authority he told me that he was the ONLY authority and he was standing by the decision. I have never been treated so poorly and I feel that I am being discriminated against because of my medical issue.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX  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 non-monetary relief
Consumer complaint received 2018-01-18
Company: Credit Central Holdings, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Last year employees of Credit Central, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX ( XXXX ) XXXX, ( XXXX ) XXXX started calling me to ask me to ask my brother to call them. They said he listed me as a reference on his account. I gave my brother the message. Since then this company calls me constantly until I had to ask them to stop calling my house. I do not have an account with them, have never had an account with them and the harrassement is bothering me and my husband. We are both senior citizens, my husband is a veteran, and we just want to live in peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: VA
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:
Equifax has failed to protect it's consumers by attempting to deceit the consumer by forcing them into endless disputes that do not matter to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I applied for the Barclaycard Upromise for the " {$100.00} Bonus After First Use '' and to get a free XXXX score and to have a XXXX. They then sent me a letter ( WEIRDLY, IT WAS A COPY OF A LETTER, NOT AN ORIGINAL LETTER which XXXX always gets from Legitimate companies ) - and I was then asked for an " original bill ''. I sent them an older electric bill, because I do n't get original bills anymore ; it 's all online. But here is my problem : I never heard from them again. This is the second time I have ever had this happen in my life : Barclays and XXXX. 
Is it normal or reasonable, or legal, for a company to collect all of your personal data, and even an original bill and you never hear from them again?? 
1. If I am turned down - despite XXXX debtedness, and no negatives on my XXXX report, then I want a reason, but mainly I want a free copy of the Credit Report from the agency they used. ( Based on research, I think it is XXXX, but I do n't know for sure. ) It feels like a scam. I also suddenly got many XXXX and Phishing Scam emails in my normally pristine Mailbox ; I NEVER get junk, much less XXXX, at that email address anymore. )

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 2022-01-02
Company: Chime Financial Inc
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2021 i loaded {$500.00} on to my Chime Account card. The only money I had TO MY NAME. I used it at a XXXX XXXX XXXX XXXX and XXXX XXXX for breakfast. Later that afternoon on XX/XX/2021, I went to a local bank and tried to use the ATM. After trying to use the ATM, I received an email from CHIME stating they closed my account. They took WHAT I HAD TO MY NAME and what I had left after XXXX. Now how am I supposed to get my kids what they need??? I have tried to call them and when I do, it says they recognize the phone number and my account is closed. I have tried to send MULTIPLE emails and have had NO RESPONSE to their 24/7 customer service statement. I have advised them I would send proof of identity and still no reply. I have also advised them if they do not handle this matter, I will contact my attorney. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 
XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 2015-09-21
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid all of my debt off on my credit report and XXXX company ( AR Resources ) has not reported it paid, so it 's still showing open and it 's hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Experian Information Solutions Inc.
State: OH
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: Was not notified of investigation status or results

Complaint:
Accounts in question : XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5700.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4000.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5200.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7600.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4300.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7900.00} On these mentioned accounts, they state I had XXXX missed payments on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These accounts have never been late as they have been in deferment while I was attending school. I am uploading the Transaction and Payment spreadsheet that has been downloaded directly from the XXXX XXXX Website. There have never been any late payments posted. I have reached out to the account holder and they have been unable to provide me any documentation regarding these accounts. I have also disputed this with Experian, XXXX, and XXXX with no change. I would appreciate if these late payments are deleted 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 non-monetary relief
Consumer complaint received 2022-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Capital One Auto Financing : Purposely delays crediting customer accounts in order to accrue more interest owed on principal. Monies were transmitted electronically from XXXX to Capital One XXXX XXXX. On XXXX XXXX ( the 2nd business day after the holiday ) XXXX marked it " completed, '' meaning the transaction was confirmed that it arrived at the destination and was accepted. Every day after that, I called and chatted with Capital One, was put on hold while they checked and was told each time that their system had no record of my payment. When asked how long it takes for an electronic payment to post, the Capital One person said, " Oh, it's automatic, in one or two days. '' It is now 8 days ( 5 full business days ) and I literally watch the interest accrue on my account about {$2.00} every 24 hours. I know that's a small amount but if you multiply that by millions of customers, that's a lot of money! They use the excuse of " the holidays '' to generate more interest. I had XXXX draft a letter and I faxed it to Capital One. I have no doubt they will eventually post my payment but I find this purposeful delay practice horrible in an economy when every penny counts. Shame on Capital One!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
XXXX XXXX XXXX has moved my credit card to XXXX WITH BARCLAyCARD. I filed a complaint with XXXX XXXX and they referred me to XXXX stating all statement and information has been changed over to Barclay. When I contact Barclay they say they only have records as of XX/XX/XXXX when they merged and they refer me back XXXX. I am stuck in the middle I need my credit card statement From XXXX XXXX thru XXXX XXXX. I was paperless with XXXX. I do n't know what to do and this is not fare and I am being sent back and forth and no one is helping 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 monetary relief
Consumer complaint received 2016-02-04
Company: SYNCHRONY FINANCIAL
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My husband needed XXXX XX/XX/XXXX, ( XXXX ) the XXXX office wanted the money up front but we did n't have that kind of money. They suggested for us to call " care credit ' to see if we would be approved, they then would apply the billing inquire to them. We got approved. I have been paying the bill on time, XX/XX/XXXX, the bill said the promotion was going to be over if we did n't ' pay it in full?!? We would get charged the back interest. This was not reiterated to me at all not was it any where in the paper when we received the cards. Is this practice legal? It 's going to cost me double and I do n't think it 's right for them to do this. Is there thing I can do to fight them on this? Help would be much appreciated. I have all documentation of payments and so forth. It was never stated when we were signing for a short promotion until I got this past bill. 

XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief