BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-08
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I recently submitted a complaint against Synchrony Bank on another XXXX of my credit cards. Unfortunately for me, Synchrony Bank is such a large institution that is attached to ALL of my credit cards, but XXXX. I have been paying on my accounts and have not been late. I have been trying to pay my credit cards to a zero balance. After I submitted a complaint with regard to a couple of my other cards, I most recently received ANOTHER statement from Synchrony with regard to my Walmart Credit Card. I recently owed approximately {$25.00} as a payment on my Walmart Card, my monthly amount due. I paid {$100.00} on my account, because I am trying to get it to a XXXX balance. After I submitted my complaint and payment, Synchrony Bank sent me the attached letter indicating that they were reducing my credit line amount. I recently check my credit reporting status and it is indicating that a portion of my poor credit status is based on the fact that that the amount of my credit lines are maxed out to the amount that I owe. I have been trying and trying to correct that, but each time I make a substantial payment or file a complaint with your agency, I am punished my Synchrony Bank with a lowering of my credit line. I am at a loss. Your agency has not helped me and Synchrony Bank, certainly has not. I thought you were established to protect the consumer. This has certainly not happened in my case. I have been trying my hardest, only to have Synchrony Bank, because they are much larger than me, hurt me, the consumer. I really wish your agency would do something about this! Thank you. As a post script, I DO have a few outstanding medical invoices being reported due to an accident. This accident claim has been settled and these should be removed from my credit shortly. Thank you for any help you can provide me. I am at a loss with Synchrony Bank and really am trying my hardest to increase my credit score. Each time I increase it a little, Synchrony Bank makes it decrease.

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 2016-12-16
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have an inquiry from Barclay 's Bank Delaware that I never inquired about and it is effecting my credit score

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 2015-08-15
Company: Servis One, Inc., Titusville, PA Branch
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
XX/XX/2015To whom it concernsI applied for the HAMP application XXXX XXXX, 2015. I sent the application XXXX ways. I sent it by email to a BSI Financial Services and to their XXXX office. It was later determined that the information was not being processed and had been sitting in someone 's inbox. I resent the information on XXXX XXXX. I received a confirmation letter on XXXX XXXX that all of the information was being processed. The loan information was transferred from one representative to another on XXXX XXXX. My wife and I have been calling ever since. 
Here are the days that we called or correspondedXX/XX/2015 - My wife left a XXXX XXXX am - spoke with Supervisor. Verified all documents were received and that load was reassigned from one rep to anotherXX/XX/2015 - Left voicemail for repXX/XX/2015 - Left voicemail for repXX/XX/2015 - I called and left messageXX/XX/2015 - Spoke with supervisor again XXXX : everything filed on XXXX/XXXX/2015 and it take XXXX days. Normal process is XXXX days but they are backed upXX/XX/2015 - left voicemailI am just a little frustrated with the process because what normally should have happened by XXXX XXXX has spilled over into XX/XX/XXXX. I.e a XXXX day process is not has now been XXXX days and still no response whether we have been approved for the HAMP. Please helpThanks

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 2017-05-08
Company: Continental Finance Company, LLC
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My account with  Continental Finance w as re-billed in the amount of  XXXX  on  XXXX , this is for a disputed transaction, an item I did not receive. Apparently the merchant provided a response to dispute which I did not receive, was not provided. I was not given a chance to reply, my account was automatically re-billed without my knowledge. I found out about it after recently checking my account, it is currently over-limit due to this. The item in dispute, a mens  XXXX  watch, was not in package when received. I 've attached photos of  XXXX  box showing it empty. The merchant,  XXXX , is known to send defective items and or empty watch boxes out. This is nothing new for them, its happened twice in the past. This information was provided in dispute, however, the bank does not seem to care as they have re-billed the amount without giving me the chance to reply in re.

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 2015-06-23
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
The lender obtained a new credit report and score for me, without my express permission, and used that new information to judge and lower my credit limit with them removing all of the available credit I had on my card even though I have never had a missed or late payment with them during the XXXX years that I 've had their credit card. Their action changed my credit utilization on that card from about 60 % to over 99 % causing an adverse effect to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from  Huntington National  bank indicating that I needed to make updates to my insurance policy to reflect my address as :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MI  XXXX . Mind you, the letter was sent to the correct address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX     XXXX  MI  XXXX . There are no condo 's with the number  XXXX  in my development, I LIVE IN  XXXX   XXXX . Huntington confirms this is the address on my loan, and their insurance department states this is not the address they have and tells me I have to speak with the Mortgage Department. I have tried calling twice to resolve this.   The first call, I called the insurance department, who stated I had to talk to the mortgage department. The mortgage department told me I had to speak with the insurance department. I could n't wait for the insurance department and had to end the call ( I was on the call alre ady ~30 minutes ).    The second call, I called the mortgage Department, they said I had to speak with the insurance department. I held for quite a long time. After getting to the insurance department, they said again, that I needed to speak with the mortgage department.   The property address for my mortgage is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MI  XXXX  I am not calling my insurance carrier to have them update my policy to include  XXXX  as my unit as that is not my address. Something is clearly wrong here.

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 2021-12-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I Mad my payment on time and they keep claiming they never recived it, and wast hours of my time, customer service is very very poor. asking too many questions and no help.

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 2016-05-31
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX, 2016 I called CitiMortgage for payoff information on my mortgage loan. I was told that the total payoff amount to pay the loan in full is {$30000.00}. On XXXX XXXX, I transferred {$30000.00} form my Citibank account to CitiMortgage loan account. However, CitiMortgage did not process the transaction as the final payoff and instead processed it as a payment for the month of XXXX ( Principal {$170.00}, Interest {$75.00}, Additional Funds Received {$28000.00}, Escrow {$980.00} ). I called CitiMortgage again on XXXX XXXX to correct this processing error and to process it as the final payoff. They still did not correct the amount of interest that was charged for until the payoff date of XXXX XXXX. I have written and called CitiMortgage numerous times in the last three weeks, however, they will not give me an answer as to why they have charged me interest for the entire month of XXXX, when I made the full payoff of loan on XXXX XXXX. According to the payoff statement my escrow balance should be {$2700.00} after the payoff, however, by overcharging me the interest for the month of XXXX, CitiMortgage took money out my escrow and lowered the escrow {$46.00} to {$2600.00}. It is a small amount of overcharged interest but it is wrong as a matter of principal should be corrected.

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 2015-11-08
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Citibank continues to make calls to my home concerning a debt for XXXX XXXX. We have told told them onXX/XX/2015, XX/XX/2015 XX/XX/2015, a total of 21 calls, speaking to a XXXX and XXXX this is not our debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered this information on my credit report. Doctors Business Bureau. Despite repeated requests to them that they show proof of this debt they refuse to remove it. The best I could do was contact the hospital in question :  XXXX  and ask about this debt. They did n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When I took out my mortgage in   XXXX  , the promised a low interest rate and affordable monthly payment, as advertised. However, the interest rate and the monthly payments did not take place as promise by the bank.  XXXX   XXXX  started a foreclosure against me even though I though I took out a loan with  XXXX    XXXX    XXXX . My case is not an unusual one. I am one of the hundreds of thousands who were victims of the housing bubble.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is using multiple debt collection services and continues to collect on an invoice that has already been paid. 
In 2016, the used XXXX from GA and now they switched to Firstsource Advantage LLC. There have been other collection services involved as well, however, I do not have access to the paper any more. 

In all these cases, we provided the sufficient evidence that the payment has been made. XXXX seems to ignore that information and is switching to another debt collection agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In my  XXXX   XXXX   XXXX  Credit Report, I found   XXXX   XXXX   as creditor that says I opened on  XXXX   XXXX ,  XXXX  and was closed on  XXXX   XXXX ,  XXXX  with last reporting on   XXXX    XXXX ,  XXXX  with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in my  XXXX   XXXX .     It further shows a contact details for Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX  x  XXXX   XXXX , OH  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 explanation
Consumer complaint received 2017-05-08
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: Information belongs to someone else

Complaint:
In my  XXXX   XXXX    XXXX   Credit Report, I found   XXXX   XXXX   as creditor that says I opened on   XXXX   XXXX   XXXX   and was closed on   XXXX   XXXX   XXXX   with last reporting on   XXXX   XXXX   XXXX   with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in  my Credit Record.      It further shows a contact details for Creditor :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , OH  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX had a special going on where i got a discounted price on calls to international country. Called got the special and apparently the country i was calling wasnt on the special, i asked the representative multiple times before i took the special if the country i wanted to call was in the special she said yes it was so, i went ahead used the service to call internationally. went on vacation came back and my service was discontinued i called the service provider i was told i had to pay the bill because the country i was calling wasnt in the special so i told the representative that the lady who helped me assured me that the country was in the special he said " well its not so you have to pay the bill '' I said to him are you crazy where am i going to find all that money to a phone bill. From that day i never use XXXX again they are rip offs

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Firstsource Business Process Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company is leaving messages at my place of employment after telling them by phone to not call my place of employment because I could lose my job.The calls are still being made.My place XXXX employment tel. no. that I have asked them not to call is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: FirstPoint Collection Resources
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 resulted from identity theft

Complaint:
I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a fixed mortgage on our home - we have always paid out mortgage on time and always online via the web portal of the financial institution that services the loan ( previously XXXX ). Recently our mortgage was transferred to another financial institution and the servicing of the mortgage was transferred to CENTRAL MORTGAGE COMPANY. 

We received details in the mail from CENTRAL MORTGAGE COMPANY how and where to make our new monthly payment. We followed directions on their website WWW.CENTRALMORTGAGEONLINE.COM as to how to make the monthly payment. We set up our account but they want us to pay {$5.00} per month as an additional charge for the 'convenience ' of making the payment online. Principal + Interest + their $ 5 monthly fee. 

In the past 16 years since we have been paying our ( various ) mortgages with different banks and servicing companies - we have never had today more than the agreed amount of the monthly mortgage payment. This is a bogus and erroneous charge and with add {$60.00} per annum to our payments and {$900.00} over the lifetime of the remaining balance on the loan. 

I called CENTRAL MORTGAGE COMPANY direct to see if there was a way to resolve this and they advised it was their policy for internet / online payments. 

This is price gouging - we have never been charged a fee previously by our original lender or their servicing company. 

Can you please investigate this as CENTRAL MORTGAGE COMPANY is unwilling to waive this charge. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Ditech Financial LLC
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Green tree is attempting to reage a debt older than 7 years and has posted this debt to my credit report without a notice to dispute the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have incorrect information on reporting on my credit.

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 2016-05-12
Company: Law Office of Rory W. Clark, APLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The Law Office of Rory W. Clark is attempting to collect on a debt which has been deemed a matter of ID Theft by both XXXX XXXX XXXX ( ID # : XXXX ; XXXX : XXXX ) and the XXXX XXXX Police Department ( I.D. # XXXX ). Furthermore, upon my own discovery, the said law firm has demonstrated to be the subject of several lawsuits against them which casts doubt on the legitimacy of its claims : XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Exeter Finance Corp.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
XXXX/XXXX/2015XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXXSS # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: ECMC GROUP, INC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The loan was originally with ECMC. I consolidated the loan to my fedloan account back in XXXX of last year. XXXX confirms that the consolidation was completed and that a check for XXXX was sent to ECMC on XXXX. ECMC turned the loan over to XXXX after they had receieved tha payoff from XXXX ( Acount NUmber XXXX ). I have worked with XXXX, ECMC and XXXX to in an attempt to resolve the issue. XXXX indicated that it is up to me to get ECMC to turnover the funds from XXXX to them, XXXX is indicating that they have reached out to ECMC to get them to return the funds but have not been successful to date. I can not afford to pay both XXXX and XXXX for the loan. ECMC needs to return the funds to XXXX so they can pay XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Fleet Mortgage Corp
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In   XXXX /23, I   entered into a mortgage agreement with  XXXX    XXXX   XXXX   XXXX  n as a refinance mortgage for my house and lot at  XXXX   XXXX   XXXX   XXXX .  XXXX  Il  XXXX . The Loan number was  XXXX .  XXXX  transferred the mortgage loan to  XXXX   XXXX  which transferred it to  XXXX   XXXX   XXXX  which sold it to Fleet Mortgage group. From all these transfers,  XXXX   XXXX  did not remove the lien they put on our house or was not recorded as removed. I have tried to contact these companies but all the available phones are no longer in service and  XXXX  and  Fleet h ave no functioning phones.  Fleet w as brought by  XXXX   XXXX  which went bankrupt and was bought by  XXXX   XXXX . I have been trying to find out who can provide the release of lien for my property to no avail.

Company response to consumer: Untimely response