BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: SC
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:
On   XXXX   XXXX   XXXX     I submitted a dispute to   XXXX    regarding  XXXX  financial on my credit report. I asked for all the information regarding the account be verified. On   XXXX   XXXX   XXXX   the investigation was completed and it came back verified. It is my belief that  XXXX  did not complete a investigation because EVERYTHING on the account is reporting inaccurately. The high balance is incorrect, the balance is incorrect, and the date of last payment is incorrect. I am fully aware of my rights and if the credit bureaus fail to investigate and update with accurate information according to the FCRA then this account must be removed.  XXXX  is supplying the credit bureaus with outdated, inaccurate information and the accounts should be deleted from my credit reports. You will find a copy of my   XXXX   dispute regarding this account. I have also supplied you with the latest information reporting from Equifax so that you  may  compare the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: AMERISAVE MORTGAGE CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I applied for a XXXX loan with Amerisave mortgage on XX/XX/2015. We supplied them with all the information they asked for in a timely manner and paid XXXX $ for an appraisal of the property. Everything was fine untill the rate we locked in at ( XXXX ) went up a quarter point. Then the circus started. They have asked for countless documents which we have supplied and as of XX/XX/2015 they are still asking for more. Seems they are going out of their way to discourage us from wanting to go thru with this loan. Believe me if I could get this rate elsewhere I would not be writing this and would have gone to another institution. Heres the real kicker. Our credit score is XXXX credit report shows perfect payment history on all loans. Show XXXX in CASH, XXXX in IRAs. They have 3 years of tax records with all schedules, all bank account records sinse XXXX of 2015 and we still are getting a run around. I saved all the emails of all the hoops that they put us thru because to expain it all in detail in this forum would take days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On approximately  XXXX   XXXX  my son moved to Oregon, and when I checked flights so I could visit, I found that   XXXX   XXXX   had service from   XXXX   XXXX   XXXX  . While I was looking at flights on my tablet I saw an ad for a   XXXX   XXXX   branded Visa card offering mileage benefits. I signed up, supplied name, address and requested info and submitted the request. After the submission a popup appeared with terms and conditions and I noted there was a {$75.00} fee. That day  I  tried to find a contact phone number on the popup, to complain that there was NO notification of the fee prior to the submission action, but I was unable to find an active number. I wrote myself a reminder to contact the company after I received the card, with the intention of simply explaining the problem and cancelling the card ( and the fee ).   Yesterday,  XXXX   XXXX ,   XXXX  , the card arrived, and I called the number on the back (  XXXX  ). After explaining the problem to the agent, I was informed that it was my problem, and that the fee was expected to be paid even if I did not use the card.   I feel that their web-based promotions are badly presented and purposely misleading. I would like Bank of America to cancel this credit card account and remove the {$75.00} fee. If this resolution is made after the date this {$75.00} fee comes due, and I am forced to pay any yet to be received invoice, I ask that that amount be refunded to me via check. I further ask that there be NO negative credit report issued because of this misunderstanding.

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 2016-05-27
Company: Harris & Harris, Ltd.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harris and Harris, Ltd. started calling my parents ' number. My parents called me about this, but I do not know when it started. I have not lived there for over a decade now. I can tolerate whatever they want to throw at me, but my parents have enough stress and poor health, so I want them to cease immediately with the possible exception of XXXX phone call or letter apologizing. 

I also do not want my financial information disclosed to my parents or others. I am the only XXXX they should be contacting. 

Also, I called XXXX XXXX days ago and they said they had pulled the case from debt collection for at least 90 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I applied for a line of credit with care credit thru GE I as originally denied but was told I would be approved if I had a cosigner. I got a cosigner and was approved. I received a welcome letter and XXXX cards in my name. When the bank changed to Synchrony bank I received another letter. a few months later I called Synchrony bank due to not receiving a statement and I was told that I did not have an account. I argued with the rep to no avail. They said my cosigner was the only one on the account and I was just an auth user. The only info they have on my cosigner is name, ssn and dob. No phone number, no address, no employment was ever disclosed on the online application that was in my name. This was about a year ago. Now I call into Synchrony bank to get a payoff and they are saying again that I am not allowed to get any info. Also, I have been making more than the min payment amount and some months pay XXXX or XXXX payments a month. Synchrony bank does not credit my account for payment for the month paid if the payment is before the due date. that 's right. if you pay your account on the XXXX of the XXXX for your XXXX bill which is due on the XXXX your payment is posted to XXXX and you are then considered late pay and hit with a late fee and additional interest. I pulled the payments on line from both my bank statement and the payment postings on my Synchrony statement they all do show up each and every month, not missing a month and some times XXXX or XXXX payments a month but some were posted before my due date so they were not applied to that month. So I am being punished for making additional payments during the month to pay off the loan sooner and Synchrony stealing from me. I am not trying to pay months ahead I pay each month for that month and add more payments to lower my total amount to be charged interest, I am sure that I am not the only person this is happening to I have read many online complaints and it seems to be their standard practice. I totally see and will seek a class action law suit against synchrony bank.

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 2017-01-27
Company: Red Cedar Associates LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I recieved a restricted number phone call ( voicemail ) from a XXXX XXXX stating he had some legal documents that are to be served to me and for me to sign. He stated he had my name and social security number and he was reaching out to me to inform me he will be serving me papers on Monday, XXXX XXXX. I called the number he provided and submitted the ref number that was left in the message. The lady that answered said the business was Red Cedar Associates and asked my name. I asked who they were looking for and when they said the incorrect name I hung up, in suspicion of a scam. I then looked up Red Cedar Associates and found the are a debt consolidation company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: The Hamilton Law Association
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello. My name is  XXXX   XXXX  and I was repeatedly contacted by The Hamilton Law Association,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL  XXXX . Phone  XXXX , email address :  XXXX  XXXX  XXXX , website : www.myhamiltonlaw.com regarding a debt that is more tha n 10 years old. The original creditor was  XXXX  and the   account had a balance of {$18000.00}, account number  XXXX .     I was contacted in  XX/XX/XXXX  and was told tha t Hamilton Law had a lawsuit ready to file against me regardin g this matter. They offered to settle the matter for {$7800.00} but gave me less tha n 24 hours  to come up with the money.     The money was paid to  Hamilton Law  so they would not sue me and take me to court. I was afraid of the threats they were making regarding filing suit and how I would pay for the money owed.     I suffered a   XXXX   XXXX   in  XX/XX/XXXX  and earn significantly less than I used to. I can not afford to the funds paid. I now work for  XXXX   XXXX   XXXX   XXXX    XXXX   and the more I continue to think about this matter, I feel like I was coerced into paying money that I do n't have and feared about the concequences.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: American First Finance, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I opened an account with American first finance. The account was stated as a 90 day same as cash contract towards my 90 days I received a call from a account representative and we set a payoff date and agreed no other charges would come out of my account until then.  American First Finance  took money out of my account before the payoff date. My  Visa  card which we agreed was going to be used for  a one tim e payment only had money took out of it 3 times 2 times was unauthorized.  XXXX   XXXX  I had a call from the company I asked to speak with a supervisor so that we could try and settle the account. The representative was rude put me on hold for  20  minutes then said there was no supervisor available and she would schedule a call back for  XXXX  the call never came and I never talked to a supervisor. The calls continue to come the reps was loud and argumentative.Due to the fact that I could not speak with a supervisor and the rep was argumentative, I told her to cease all call activity and only communicate with me threw us mail and the calls still come.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Other

Complaint:
I did a credit card balance transfer from XXXX ( XXXX ) to Barclays Bank Delaware on XXXX/XXXX/16 for {$1100.00} the money was never credited to XXXX we were charged late fees from them and the worse part is that Barclays Bank deducted {$2000.00} from our checking account without our authorization ( I 'm attaching XXXX statement ) ( I did a previous deduction authorization on other credit card I have with them, but not in this XXXX ) and we do n't know the reason how they get to that amount ; now, up to today there is no trace of the payment made by Barclays and what is worst our money is still lost and we have to pay our bills.

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 2016-10-25
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I have a US Bank CashPlus visa credit card which explicitly advertised XXXX % cashback on Department Stores. They even list XXXX as a merchant. I have with success purchased at XXXX online and received XXXX % in the past, but all of a sudden last quarter my {$2000.00} quarterly online purchase at XXXX, where I went to XXXX, checked out at XXXX, only received XXXX % cashback. They claimed it coded as " business purchases '' and would only receive XXXX % cashback. This seems like the height of bait and switch, to open list a very well known department store in the list of accepted merchants and yet claim purchases directly from that merchant 's own website somehow does not get XXXX % cash back. And to not even do the courtesy of a manual credit is false advertising.

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 2021-12-25
Company: CCS Financial Services, Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Convergent Resources, Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

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 2017-08-16
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
I borrowed approximately XXXX dollars on my Care Credit card. I have been making payments every month for over a year and a half. My payments have been between XXXX and XXXX dollars each month. My care credit statement says that I now owe XXXX dollars even though I have been making payments. I believe the Care Credit / Synchrony employee I spoke with on the phone told me my interest rate was around 26 % and that it was 0 % initially and that I was charged accrued interest after not completing payments after 1 year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Equifax has my personal information incorrect, so I can not get a loan, a place to live, and I have lost a hard job offer because of this. I have submitted certified copies of bills, birth certificate, and social security cards to them, and they " lost them. '' I have been on the phone for hours with people who do n't speak  XXXX .     XXXX   just performed an investigation and removed  XXXX  of  XXXX  charge-offs from my account. My credit score dropped  XXXX  points over night, and again, no one at  XXXX  can speak  XXXX  or help me figure out how removing charge-offs causes a  XXXX  point drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: AMA Advisors, LLC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We applied for a refinance at 3.125 % for 20 years. Homebridge, which is also my current lender, dragged out the process for over 60 days, continuously delaying submission of documents. Each time we were asked for a document, we provided within 24-36 hours. Homebridge delayed our closing so long that the mortgage rates skyrocketed and they refused to honor our signed rate lock even though all delays were their fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid several doctor visits off 3 months ago. They have not been taken off the credit report. Now XXXX new collections appeared from 4 years ago. These are doctor Bill 's. The doctor except Medicaid but the charges are more than Medicaid XXXX pay. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: GA
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:
XXXX  signed reaffirmation agreement for mortgage ...  XXXX   XXXX .    XXXX  called  XXXX   XXXX  for another reaffirmation agreement. I received it in late  XXXX  and sent it back to them. They said it took long to receive and the debt was now discharged. My bankruptcy papers show where I am reaffirming my mortgage and my car. It 's listed on page  XXXX .    XXXX  asked Equifax to investigate and sent them proof of payments and BK information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Received a bill in my minor sons ( XXXXyears old ) name from a debt collector. The company is Transworld Systems Inc XXXX, PA, referring creditor was XXXX XXXX XXXX XXXX Tx. I called Transworld upon receiving letter and was told by XXXX that she would just document that the child was XXXX but he still had to pay the debt. I spoke with a supervisor at that point. The supervisor XXXX informed that XXXX XXXX provided that my son was the responsible party for the bill, even though they have his date of birth on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
When I was in the process of refinancing my house 4 months ago, the mortgage company asked me to pay off my Synchrony bank consumer account. So, the escrow company issued a check to pay off the balance of {$9700.00} around XXXX. 20 days later, my account was still showing the balance of {$9700.00}. So, we called the customer service to check the status and they said our XXXX check might be lost. So, we cancelled the XXXX check and FedEx the XXXX check overnight on XXXX XXXX. Couple days after we mailed the XXXX check, my account suddenly became {$0.00} balance 2 days later ( I think they finally update the record from the XXXX check we mailed ). 
Due to the {$0.00} balance showing on my account, Synchrony bank has returned the XXXX check. 1 week later after I received the returned check, my account balance has been updated to {$9700.00} ( they finally found out that the XXXX check has been cancelled ). Therefore, we FedEx the XXXX check overnight again on XXXX XXXX. I called on XXXX XXXX and talked to XXXX ( account manager ). She confirmed that she has the check and would make it will be cashed. By looking at the back of the check, we are sure that Synchrony bank has cashed the check on XXXX XXXX ( with proof of the stamp on the back of check ). The escrow company 's account also showed that the money has been cashed on XXXX XXXX. 
However, Synchrony bank has never record this payment. I have made at least XXXX calls talked to different account managers. They all said that the record show the check has been reversed ( XXXX XXXX, the time XXXX returned my XXXX check ). No one wants to investigate what 's going on. I even faxed the copy of front and back of the check with Synchrony bank 's stamp on it, but they said it can not prove anything. They asked me to provide bank statement to prove myself. This is escrow company trust account. They can not provide the bank statement to me or to anyone else. Just like Synchrony bank, can they provide their company bank statement to me? Of course not. They try to make thing difficult. 
On XXXX XXXX, when I called them again to discuss this issue, Synchrony bank asked me to pay off my account to avoid late payment record on the credit report so I did. Now I made the payment twice but they still claim that they did n't receive the payment made from the escrow company. They now have extra {$9700.00} in their bank account, but they do n't want to admit it. I do n't know what else I can do to get this issue corrected. For the big bank like Synchrony, they can not find out extra money on their bank account? I do n't believe it. Please help me to get this problem resolved. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: SYNCHRONY FINANCIAL
State: FL
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 has called my cell phone repeatedly without my permission for the last week. They call me 3-5 times a day. I am on time with my payments with the account I have with them. I have spoken to several different representatives and no one can figure out why they continually call 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 non-monetary relief