BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We own a small family business. Because we had a great credit standing, we coul n't ask for a home loan modification. When the economy changed here in XXXX XXXX and banks closed by FDIC, we lost credit and commercial lines, immediately we put our house on sale, with no luck. After a while we tried loss mitigation with the Bank but when a new mortgage deal was ready, the bank sold the loan to XXXX XXXX, which we found out who they were when they were foreclosing our home. After several attempts to keep our home and try to contact by letter their lawyer with offer to buy with no answer, we received a new foreclosure date for this XXXX. Our lawyer finally communicates by phone with XXXX XXXX lawyer and she desagrees to go directly to the owners with offer and gives a phone for loss mitigation dept, in SPS, inc. Last XXXX XXXX, 2016, I started conversations with SPS , inc, explaining all this and saying that for more than a year we have been offering money for the loan. Since then I 've been calling weekly doing exactly what told, and sending documents. Everytime I call I have to explain to a different person and they again give me new instructions and tell me to wait a couple of days or one more week for the answer. When I call they always remind me foreclosure date, XXXX XXXX, 2016 and I always tell them the same, why keep delaying?, they are not helping much. I was told this week I was going to receive answer to our offer, now today I was told they sent the offer to the owners to be considered and maybe it can take one more week. Is taking forever and time is what we do n't have. They send letters with an assigned relationship manager that speaks XXXX and everytime I call, I never find her. Every agent says different things, even the first one kept opened the loss mitigation case for us just in case we needed it and I sent all documents required for short payoff and later found out we were n't considered yet because the loss mitigation case was still opened ... really?, and they knew I was looking to short pay off. We 're desperate. We never knew how much XXXX XXXX paid to XXXX for the loan account because we found out late about them, but since that we offered to buy back and now with a higher amount is still difficult to get to the owners. Why not go directly to them since the beginning? They keep sending letters in XXXX, only with the ending in XXXX to make you call, knowing we speak XXXX. We bought that house, put our savings to live with our XXXX children and no one from the two different loan owners have been nice enough to help us keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian has removed an open account from my credit report. I did not request that you remove XXXX XXXX Acct # XXXX. This account was open XX/XX/2015. Please add the XXXX XXXX Account back to my credit file.

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 2015-09-18
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had XXXX vehicles through metro credit union. I had XXXX vehicles on XXXX loan. They were XXXX repossessed. I never received the the paperwork to this judgement that is now filed on my credit report for currently {$11000.00}. I recently went to the court house to get a copy of this judgement. First of all the reporting date that 's on the paperwork is n't the same as reported on my equifax and experian. But the part I found very disturbing is the paper work has the original loan papers which has the the XXXX and the XXXX on the same loan. I have the paper stating they repossessed the XXXX and that they sold it and put that amount towards the balance that I owed. But for some reason it does n't mention that they sold the XXXX van and if they did re sell it, they never added that balance to the amount that was owed. Which makes this amount that I owe not accurate. I do n't know if they sold the van or not. But what I do know is they are saying I still owe something that they have and if they sold it I was never compensated off the amount that I owed. The amount that has hurt my credit to the point of not being able to pay back because the interest is about almost or is XXXX %. The court house that gave me the judgment paper work told me that this account to be paid off in full including interest is over {$22000.00}. How could I ever afford that? They have charged me interest on a amount that is not accurate and because of this it has ruined my credit life. If I would of been given the paperwork I could of fought this in court. The person they served had no right to sign for paperwork important paperwork on my behalf not to mention I did n't live there at that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
For a billing statement XX/XX/XXXX, I had a due date of XXXX XXXX in the amount of {$100.00}. My payment of {$110.00} XXXX overpaid ) did not clear the bank until XXXX XXXX which made me 1 day late and caused me to have a {$35.00} late fee added to my card. I did not receive a bill in by the XXXX week of XXXX, so I called to confirm that my account had a zero balance ( I was unaware the payment posted a day late and resulted in a late fee ). I was advised of the late payment and associated late fee. I made a payoff payment for {$30.00} over the phone. I later found that no payment had been accepted when I got my statement for XXXX. I immediately called and paid {$35.00} on XXXX XXXX and asked about why the payment never went through when I did it previously on the automated system and they advised me that they could not pull up records for the automated payment system. They convinced me that it was completely my fault. I then paid off the account balance on XXXX XXXX for the amount of {$270.00}. 

I had a payment due by XXXX XXXX before it was considered 30 days past due. I made a payment by phone on XXXX XXXX and I was told the payment went through. On XXXX XXXX I received a letter in the mail saying that the payment did not properly go through. When I called the billing department they told me that the system showed my payment on XXXX XXXX. They also told me that on XXXX XXXX it was found to have had an error and the payment did not go through. My concern is that I did attempt to pay the bill before XXXX XXXX. And if I had been notified by phone ( on the XXXX ) of the issue then I could have still paid the bill before XXXX XXXX. 

After having the issue in XXXX, I have no doubt that I was correct when I believed their automated payment service also messed up with an error for the XXXX " late '' payment. I am now showing a 30 day late payment on all XXXX credit bureaus for XX/XX/XXXX because of this. I have contacted the company several times via phone, email, and mail, but I either get no response or I get told that the automated payment services messing up is my problem and not theirs. The credit limit was also lowered from {$1800.00} to {$100.00} after these issues. I am asking that these blemishes be removed from my account and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I pay it off so now I dont own nothing

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 2015-04-30
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a message from XXXX XXXX XXXX XXXX stating I have a complaint against my name and social security number and a warrant was going to be issued at XXXX tomorrow XXXX/XXXX/2015. This is a collections agency/ law office and I 've been ignoring they 're prior calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: SYNCHRONY FINANCIAL
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
While applying for credit I came to learn that I had a judgement against me from XXXX XXXX. I immediately disputed the case with the court because I was unaware of this, and the court it was filed in is XXXX miles from where I live. It was filed in the town where my parents live, and my address was listed at my parents house ( an address I have never lived at ). Someone visited my parents house and asked for me, and was told by my mother that I lived in Rhode Island. I remember my mom telling me this years ago thinking it was someone from school. Come to find out reading the documents filed at the court, they stated he left and envelope on my parents door and mailed a USPS first class stamped envelope to the same address. IF he had some such a thing, my parents would have given me an important envelope. Also, it should have been sent certified, anyone can say they mailed something, they ca n't prove they did. I feel that even though they were told that was not my residence, they continued to peruse a suit in that location to force a default judgement against 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 2016-01-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2015, I bought new furniture at XXXX XXXX in XXXX, Texas. I used their financial promotion no interest rate if paid in full in 24 months, they use Synchrony Financial. Around XXXX XXXX, 2015, I started to receiving calls from Synchrony when I was at work, they first called like around XXXX XXXX then every three hours after that, they kept calling for three days until I returned the call, I was told my payment was late, I told them I have not received my first bill yet, I gave them my mailing address and I was told I was going to get my first bill next month, Synchrony employee wrote a statement in the system explaining my situation about the billing. I month passed by and they started to call again like 5 to 8 times a day from XXXX XXXX to XXXX XXXX. I let them keep calling for like a week so for a whole week they kept calling 5 to 8 times a day from XXXX XXXX to XXXX XXXX. I returned the call and they told me by payment was late, I told them I have not received my first bill yet, this time they did n't care they kept asking for {$190.00} payment due. I told them this was an error on them, I gave my mailing address again but this time I repeated it to them for 3 to 5 times, I felt like I was doing their job just to have the correct address so I can get my first bill on time. Finally, I got my first bill on XX/XX/XXXX so I 'm filing this complaint to get {$190.00} to {$2500.00} back from them because this an error from them, they kept wasting my time, and my credit score went down thanks to them. Attach are copies of their bills I did n't get on time because they had the wrong address. Also, attach is a copy of my sales order from XXXX XXXX with my correct address. I hope you can help me and protect others from companies trying to play dumb in order to make more money. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX military personnel, I have my money deposited for my loan to be paid and USAA is to take the money out as scheduled on the 15 and 30 of each month. The money just sits in the account to be drafted on the specific date scheduled. I have spoke with representatives that are extremely rude, I have also tried to speak to a manager and the leadership refuses to speak with me as well. USAA takes the money out 3-5 days later when the account is lower than the loan amount and then reports to my credit the loan is being neglected which has taken my credit score down 70 points. As a military personnel I am unable to always call as to why my account is authorized for auto draft. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I applied for a WalMart credit card last holiday season after an offer I received in the mail. No big deal I thought but this card is single handedly ruining my credit health ( score ) and taking fees month after the month. I make most of my bill payments online and often the Wal Mart credit card website is not functioning properly. Therefore I can not make a payment as I want, when I want, when I can. I then would either have to mail or locate a store and pay it there which can be a hassle. Month after month I am getting hit with late charges and being reported to credit bureaus. I just want to get this account in good standing and have all the negative reporting removed so it does n't ruin my life anymore than it already has. Please if possible, from a loyal customer to you, please Walmart ( Synchrony Bank ) waive all late fees assessed and remove all negative reporting and I will sign up for automatic payments today to prevent any issues going forward. The balance is approximately {$1000.00}. and {$300.00} are late fees.

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 2015-08-27
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In process with short sale for property on XXXX XXXX XXXX, XXXX, CA. XXXX. Accepted offer of {$240000.00}. 1st and 2nd asked for new price of {$250000.00}. Buyer obliged to pay {$250000.00}. XXXX is the loan on the first, through XXXX XXXX. XXXX has accepted the offer, and from XXXX procedures, is offering the 2nd loan with 21st Mortgage the industry protocol of {$6000.00}. 21st is holding up the short sale and is insisting on {$44000.00} and that the first mortgage should pay them the difference of {$6000.00} and {$44000.00}. XXXX is saying no, due to industry standard. Short sale specialist and myself have contacted 21st. 21st is stating we should do a deed in lieu, which makes no sense, as 21st would have to buy out XXXX and come up with {$240000.00} to do that. 21st was not the original loan, they bought the loan from XXXX. 21st has an acceptable offer, and is industry standard, but would rather get nothing and ruin my credit when I have done everything they have asked of me to make this difficult situation better.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Credit Protection Association, L.P.
State: NC
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:
I signed up for a XXXX account, I did not downgrade but upgraded the account, however when I relocated to XXXX, XXXX from XXXX, XXXX an early termination fee was reported to collection agency which I never signed for. Attached is a copy of my signed contract that was renewed and subsequently upgraded with a phone service. The amount of about {$200.00} dollars now reflects in my credit report, please your intervention is needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Capital One credit card was lost or stolen and I have been trying to resolve this issue for three month now. I still have charges which were not resolved. My phone calls were transfered from one department to another and still were not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See attached settlement letter .... Yet this Collections Account is shown on my credit bureaus for debt owed to XXXX Bank Nevada although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: LEXISNEXIS
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I am filing a complaint because I have requested a full file disclosure from lexis nexis on several occasions and they have ignored my request. I continue too be denied credit every time that they pull my lexis nexis report. I need a full file with all the information or notes that have been placed on my lexis nexis file. I was also told that i have a fraud alert on my lexis nexis file and i have not requested this alert on my lexis nexis and it continues to hinder me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: CITIBANK, N.A.
State: CT
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I misplaced a rebate card issued by Citi for tires I purchased in XXXX of 2015. When I located the piece of mail and opened it I found the card expired a week earlier. I called Citi to get a new card and was refused being told they XXXX the balance as of the last day of XXXX. The card was for {$70.00}.

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
Consumer complaint received 2017-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have several two credit cards with Capital One for several months during which I have maintained my credit in good standing paying the full credit balance in most cases and always paying on time. I wanted to give my kids the option to begin credit and finance education early, so I called Capital One and asked them if they have a program to add my kids to my account as authorized users to have their own cards to use at school or when they go out. They welcomed the idea and told me that they certainly allow that and were eager to collect my kids information including the dates of birth, SSN, and names. Then they told me that the cards will arrive shortly. a few days later Capital One restricted access to my card. I was treated with total unprofessional way to say the least and was accused with fraud, insulted, and the representative hung up the phone on me. I called again and a manager was very nice and apologized and informed me that I need to send copies of my kids XXXX and SSN, and I did. The next day I found out that the earlier representative had actually closed my account without my consent and without reading me the required disclosure and had done so after he actually hung up the phone with me based on the time stamp of the call log which he should not have been authoirzed to continue accessing the account after he terminated the call. I called the following day and spoke with fraud account manager " XXXX '' who apologized and confirmed that the representative closed the account after he hung up the phone with me and he should have read me the required disclosure. Then I found out that he also restricted the other credit account I have with Capital One which was not even subject to the conflict. XXXX asked me to review the documents that I had previously sent to manager " XXXX '' the day before to help reopen the first closed account and remove the restriction of the second account. then she came back on the line and said that the department that would review the call recording to determine the wrong doing by the first representative is closed on Friday and promised to call me back Monday by XXXX XXXX. I called today when she did not honor her promise to call only to find out that they closed the second account completely as well. when asking about the reasons, they said we could do so if we want to at our discretion. I expressed that I have not done anything wrong as I called and asked Capital One before making any account changes and they were the ones that added the authorized users and then closed my accounts which were maintained in good standing the whole time to the extent that they increased my limits automatically several times from {$300.00} to {$5300.00} which would never have been the case if the accounts were poorly managed and there should have been no justification for the way these accounts have been closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have received various correspondence for my mortgage account telling me I owe this amount or another letter stating that my XXXX, 2016 payment is due, or when I check my balance online it showes a different balance. I am confused as to what my payment should be. Also, to add more confusion to this situation, I have had Flood insurance on this property, since it was required and yet Capital One keeps purchasing flood policy and when I have sent them proof of insurance it does not get applied to the mortgage. Then the Flood insurance department sends me notification needing flood insurance on the property when it has been sent several times from myself & the insurance agent. This is utter confusion for me and for my insurance agent when there is a severe lack of communication between the Mortgage department, Escrow, and Flood Insurance. They have completely mismanaged my mortgage account.

Company response to consumer: Closed with explanation