BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I received a letter dated XX/XX/XXXX from Synchrony Bank regarding my Care Credit claim. The letter stated my account would be credited for the amount of the award I received from the claim in accordance with the terms of the CFPB agreement. I received a statement on XX/XX/XXXX that my account was credited {$300.00}. When the claim was initially filed against Care Credit, I was told by Care Credit that the disputed amount on my account was {$390.00}, not {$300.00}. When I contacted Synchrony Bank on XX/XX/XXXX to inquire why the amount was different from what I was originally told, I was informed that the amount had been pro rated. I asked for an explanation on the procedure used to pro rate the award and was told that they could not provide me an explanation because the amount had been determined by CFPB. I informed Synchrony Bank that I wanted to dispute the amount until I was provided with an explanation of the difference and was informed I could not dispute the amount. I asked for a phone number for CFPB which they provided. I contacted CFPB but the representative was not able to explain why my account had been credited a different amount from what I was originally told by Care Credit. On XX/XX/XXXX, I made an online payment to my Care Credit account in the amount of {$5200.00}. When I received my statement, I had only been credited {$4900.00}, a difference of {$390.00}. I contacted Care Credit to inquire about the difference and was informed that the {$390.00} was the amount of finance charges in dispute related the the complaint filed with CFPB. Since XX/XX/XXXX, that amount has remained unchanged and I have received monthly statements from Care Credit indicating my balance was {$390.00}. Since Care Credit determined the amount of my account that was in dispute, I am requesting an answer from the company about the difference. My account now shows I owe a balance of {$89.00} after the {$300.00} credit was applied ( {$290.00} finance charge refund on XX/XX/XXXX and {$13.00} finance charge refund on XX/XX/XXXX ). I feel I should have been credited {$390.00} as I was originally informed this was the amount of finance charges in dispute and the company did not explain why I was credited a lesser amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card
Issue: Other

Complaint:
I received a letter from Synchrony Bank XXXX of this year stating that I was part of the class action lawsuit and would be receiving a check for {$270.00} within 60 days. It is now XXXX and I have not received anything. There is an XXXX number listed on the letter, however when I call, I ca n't ever get through to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am having a problem settling my Banana Republic XXXX Card due to some sketchy circumstances outlined below. The whole issue is somewhat complicated ; I will try to explain it at succinctly and clearly as possible. 

I am hard of hearing and do not want to handle the settling of the account in question over the phone. I wish to settle the account because I can no longer manage the payments : I have not put any additional charges on the card since XXXX 2015, and aggressively tried to pay off as much as I could, but I have missed payments and have been unable to meet my minimum payment for the past few months. Now I am at the point where I am unable to make any payments without foregoing other, more important needs, and interest keeps rising while my credit keeps falling. I have been attempting to settle the matter in writing for over six months now and have become very frustrated in my attempts. 

On my first couple attempts at settlement I received one letter stating they agree to only communicate in writing and another stating I MUST call and speak to a representative if I want to see if I qualify for any of their hardship programs. Another time they told me to call the XXXX ( which I do not have, nor do I wish to communicate that way : written communication is my preferred method in these matters ). At one point I was directed to a different address than the one I originally found : an Ohio address versus a Florida address, but when I wrote them about the issue they responded saying they needed a power of attorney in order to talk to someone other than me ( which I never asked for ). And the response came from the original Florida address, interestingly. In response to my most recent attempt sent to the Ohio address, which highlighted all of the ongoing issues, I once again received the letter agreeing to only communicate with me in writing and the other stating I MUST call to discuss their hardship programs. This response also came from the Florida address and not the Ohio one I sent the information to. 

Notwithstanding the fact that requiring me to speak with a representative to determine eligibility seems to be a blatant violation of the ADA, I believe that regardless of my XXXX I should be able to handle this matter in writing. Especially since upon researching this matter many suggested I get the deal in writing because of issues they have had with this company after making deals over the phone. I contacted the Attorney General 's office in my state, and they suggested make this complaint to help resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card
Issue: Billing disputes

Complaint:
Credit Card company ( XXXX ) allowed a charge from XXXX that was not authorized by me. 
There is an ongoing dispute on a contract which I had with XXXX XXXX that they did not perform on and we were in discussion on resolving this dispute.

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 2021-01-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Every single time I request an annual credit report from Equifax, They claim to " verify '' my identity by asking me questions on accounts or loans that DO NOT exist. Since I am not able to answer questions on accounts that do not exist, Equifax requires to send them copies of documents giving them additional information on me. Upon supplying them with the " required " documents, a credit report is received which has NO listing of any of the accounts they claim to have existed to " verify '' me. 
I accuse Equifax of fraudulently using this method to collect additional information on consumers, then selling the data. I wish to press charges against them This has happened for multiple years, I have not moved in over 20 years. 

I have tried multiple times to get them to correct this, but they claim there is " a data base error that is common in their system : '' they are unable to correct. 

Another effect of this deception by Equifax is they are intentionally violating the law regarding requesting a personal credit report once a year by consumers. this adds an additional barrier to consumers to get their credit report timely. 
Another effect of this fraudulent activity is a consumer may incorrect feel their credit profile is compromised and are lead to believe their credit file is compromised leading the consumer to purchase unneeded Equifax services. 

A consumer is also blocked from any phone support regarding their credit account unless Equifax fraudulent demands for unneeded documents are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Synchrony Bank mails customers statements of certificates of deposits ( CD ) balances and interest credited once a month. Bank credits interest monthly by individual CD date, but provides only a single statement for all CD 's in the customer 's name once a month. For CD 's with interest credit dates after the current month statement date, customers have to wait for the next month 's statement to verify the interest earned in the prior month. 

This reporting method results in a disconnected process and burdens the customer with extra work to reconcile accounts. The current system is new. The prior system handled the different CD interest credit dates so that the monthly statement showed interest credited through the statement date for all CD 's. 

This problem has been confirmed with the bank. Their answer is that this is the way the system works. The purpose of submitting this complaint is to raise awareness for the bank to take corrective action.

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 2016-03-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Payoff process

Complaint:
This actually started in XX/XX/XXXX with our call to the company but it is continuing now into XX/XX/XXXX. We called our Lowe 's credit card company, Synchrony Bank to check our balance and to pay off any balance. While we were on the phone we were told we did not have a balance. We used a credit card statement with XXXX balance to call them. Once we told them we owed the money and had a bill statement the credit card company rep told us again that we did n't owe any money. She had the account number given to her off the billing statement. We asked her to make sure she had the right account and to check all of our accounts because we wanted to make sure there was no mistake and that we had a XXXX balance moving forward. She said she checked all of the accounts and that XXXX card was closed and that there was no balance on any card. At that point let it go and took her word for it. After all, she was their rep and she had looked at all of our accounts. We thought that our bill pay at our bank had paid the last payment as planned and did n't worry about it any more. That is until we started getting calls about owning them money. We checked our credit scored and saw that they had now hit our credit score with at late payment. This lowered our score. I called the credit card company today and went over all of this with them. We asked them to pull the recorded conversation between my husband, myself and their agent. I talked with XXXX different people which also included a supervisor. They all said they did not have access to the recording and that we 'd have to contact the FCRA to get this fixed. My questions to them is this, why are we having to do all of this when it was them that made the mistake that caused all of these problems for us when all we wanted to do when we called was to make sure we owed nothing on the card? We feel like the credit card company is taking advantage of Lowe 's good customer through their mistake and it is unfair for their actions to cause these problems. Our credit was excellent. Now it is not. Credit card companies should be held responsible for their mistakes and the consequences that affect their customers. Should they not?

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 2016-09-06
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX is an XXXX XXXX XXXX who has lived in her home at XXXX XXXX XXXX XXXX in XXXX XXXX since XXXX. She and her now-deceased husband took out a home Equity Conversion Mortgage ( HECM - reverse mortgage ) from XXXX XXXX in XXXX. Even though it was not necessary, the lender had XXXX XXXX deed over to her husband, XXXX XXXX XXXX, who is now deceased. XXXX XXXX recently received an undated letter from HUD, stating that the HECM is now owned by HUD, which informed her of her right to remain in possession of the property after her husband 's death if she met the criteria, and the mortgage is not in default. The letter instructed her to work with the servicer, XXXX. XXXX XXXX does qualify to remain in her property, and is current on taxes and insurance. However, XXXX refuses to provide XXXX XXXX with the necessary information as to how to apply to remain in possession, or to process the request and documentation she submitted allowing her to remain in her home. XXXX XXXX representative was working with XXXX XXXX 's son XXXX, who is authorized in writing to assist, but then dropped the ball and said that a new individual at XXXX was handling the matter. The new individual will not communicate with XXXX son by either taking or returning calls. Instead, the property is set to be sold at foreclosure sale on XXXX XXXX, XXXX. XXXX XXXX 's attorney, XXXX XXXX of XXXX XXXX, called the trustee, Quality Loan Service, on XXXX XXXX, XXXX, and the representative said that XXXX XXXX and the attorney had to deal with the servicer. WHen XXXX XXXX 's attorney refused to do so because the servicer, XXXX was not properly assisting XXXX XXXX and had said that XXXX XXXX had to deal with the trustee, at XXXX XXXX ' insistence, the trustee gave XXXX XXXX contact information to the trustee 's attorney, XXXX XXXX XXXX. XXXX XXXX then sent a request via fax and email to XXXX XXXX XXXX to stop the foreclosure sale, but the attorney will not provide a response until five business days. 

XXXX XXXX is entitled absolutely entitled to stay in her home as the surviving spouse of HECM borrower, especially because she never should have been required to deed over to her husband in the HECM loan to begin with. By refusing to stop the foreclosure sale, and properly advise XXXX XXXX ( and her son ) as to her right to remain in possession, what documents are required, and in refusing to stop the sale, HUD, the servicer and trustee are acting illegally and against public policy by causing an XXXX XXXX XXXX widow to be foreclosed on her home of XXXX years when she is entitled by law to remain in possession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: ENCORE CAPITAL GROUP INC.
State: LA
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 XXXX XXXX Credit Card, which i was disputed as unauthorized charges due to ID theft. XXXX XXXX closed my account after investigation and sold to Midland Credit Management in the amount of XXXX, Midland Credit Management is trying to get money from me which i did n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a letter requesting validation that the debt is mine with a signature or contract between them and me in XXXX of 2020. They have yet to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We went online to get our tax statement from the mortgage company online and see our monthly balance for payment has an increase of $ XXXX. It says not enough money in escrow. We purchased a house 2 years ago. After the first partial year of having a mortgage, we received a letter with a check from NationStar saying your escrow is too much, giving us {$2400.00} plus reducing our escrow account by another $ XXXX. I called them and said this seems like a lot of money, are you sure you wo n't short us or in future years jack up our rates. The response oh no, we are pretty good at this and it shows we do not need this money. So you can apply it to your principal or cash it, its your call. So we put it in our savings. Now this year, no notice, although their online system says they sent a letter on XXXX, never received it, that our escrow is short. So now they need {$2700.00} dollars to cover the shortage, plus raising our monthly escrow amount. All this equals $ XXXX increase. Now we only have 10 days before our insane mortgage payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently received an unsolicited letter from Quicken Loans notifying me that I was " prequalified '' for a {$99000.00} 15-year loan to refinance my current mortgage ( actually a HELOC ) at a rate of 3.125 %. I called Quicken and asked how it was determined that I was prequalified, and the representative I spoke to said she did not know. When I gave her preliminary financial information, she said I was not eligible for that " product '' but was a good candidate for a 30-year loan at a rate over 4 %. I agreed to apply and authorized a {$100.00} charge on my credit card for a deposit on an appraisal. As I hacked my way through the insanely detailed application process, Quicken updated me, demanding ever-increasing documentation and telling me that I would have to close out my credit card accounts in order to bring my debt-to-income ratio to acceptable levels. Declining to cancel my XXXX credit cards, on XXXX XXXX I withdrew the mortgage application. When a local appraiser engaged by Quicken called me to schedule an appraisal, I informed him that I had withdrawn the application. However, Quicken charged my credit card {$390.00} for the appraisal. A " customer relations '' person at Quicken told me, after I withdrew the application, that he would look into the appraisal charge. But I have not received a credit. It seems that, after doing a bait-and-switch marketing ploy, QL hounds people to apply for loans on less generous terms. It does not inform applicants that they must close out current debts to meet XXXX and XXXX standards, since that would defeat the whole purpose of refinancing. ( This may be beside the point, but my credit card debt is not large or suspicious. XXXX of the cards is at zero percent interest, so I have no incentive to pay it off ; the other I pay in full every month, as I have for 20 years. My quarrel here is probably not with Quicken but with XXXX and XXXX. ) Most important -- and this is a separate problem that 's flat-out illegal -- QL levies unauthorized charges for appraisals not performed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: BANK OF THE WEST
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I did a Wire transfer two months ago with Bank of the West for the amount of XXXX Then a few days later they call me and asked for more information to complete transfer so at that time I asked them to refund the money back since it was to much of an issue then the person that was dealing with this transfer told me that they still wanted the other person info if not they were not able to refund my money back so two weeks ago provided the information that they requested but still no refund

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian has reinserted the creditor XXXX XXXX on my Credit Report. I contacted both XXXX XXXX XXXX and Experian notifying them that the debt does not belong to me. The address that XXXX XXXX XXXX had associated with me is not my address and has never belonged to me. They also attempted to add and report a new address to my credit report file after they were removed from credit report and now they are reporting back on my report. XXXX XXXX XXXX has used different tactics to add information to my report even though it does not belong to and Experian does not provide their methods of a reasonable investigation. Accepting the electronic answers via XXXX is not a reasonable investigation. I would like to know what type of investigation has been conducted by Experian to report XXXX XXXX XXXX on my report and why are the back on my report. How can they attempt to report different addresses on my report. They are phishing for information so they can report on my credit report they do n't. XXXX XXXX XXXX needs to be removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, I incurred a financial obligation when I purchased my home located at XXXX , GA XXXX for the amount of {$180000.00}. The loan was evidenced by a Note, naming XXXX as the " Lender. '' Sometimes thereafter, my Security Deed was assigned to Select Portfolio Servicing. I, however, was not provided any notices of the purported assignment, sale or transfer of the servicing of the loan to Select Portfolio Servicing. I began to have difficulty meeting my obligation during the housing market collapse. In an attempt to save my home, I 've made various efforts to get an affordable loan modification from Select Portfolio Servicing. All attempts, however, were unsuccessful. It appears that they refuse to give me a reasonable workout option and is bent on taking my home. Because I questioned Select Portfolio Servicing 's servicing of my loan and how credits had been applied and whether or not my loan account is actually in default, on XXXX XXXX, XXXX I forwarded to Select Portfolio Servicing a Qualified Written Requests ( QWRs ) requesting that Select Portfolio Servicing provide me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. Also, my QWR stated that it was my belief that my loan account has been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account. Select Portfolio Servicing, however, did not respond to my QWR, took no responsive action and undertook no investigation into the issues raised by my QWR. 
The only way to ensure the integrity of my loan and whether my account has been properly credited is for Select Portfolio Servicing to produce a verified accounting in compliance with RESPA 2605 ( e ).

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