BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-03
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I wish to file a long overdue complaint against XXXX XXXX XXXX and Green Tree Servicing LLC, now Ditech Financial LLC. I apologize that this is happening so late and I wish I had more pieces of documentation to include, as I have spoken to so many people over the last few years and was told I had no other options and thus, I foolishly shredded some of the old forms when I also had to purge some of my mother 's old documents. However, I kept my log notes and with that, I will construct as detailed of a timeline as I can to explain how horribly I have been treated by both companies and how my health, current mortgage and living situation are all still being impacted by this ongoing display of poor communication, truly unconscionable customer service and what appears to be all-around unethical business practices. 

I have witnessed extreme unprofessional behavior and poor communication as well as feel I have been treated unbelievably unfairly for over 6 years by not XXXX, but XXXX companies ; though all are inter-related in regards to my initial application for the Making Home Affordable Program in XX/XX/XXXX, up to the present as my mortgage and supposedly also my HELOC has transferred hands now 3 times, even after I was told my HELOC was closed in XX/XX/XXXX. Yet, each company blames the other. yet offers me no formal options and has prevented from refinancing, as I am still sitting at 7.125 % interest and have dealt with so much, both XXXX and financially these past 6 years and this is my last hope for justice and resolution. I am not sure what exactly to mark below, as you will see this complaint/issue crosses several areas. 

Please refer to my very detailed letter and all of the subsequent attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complain because experian has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: TN
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:
Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please XXXX, dispute, and remove. Attached is fraud affidavit from FTC.

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 2015-09-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I got a phone call from XXXX round lp regarding my debt to Synchrony bank FKA GE capital. when I asked for original debtor information in writing I was told they would not provide that. Now they have turned me over to an attorney for lawsuit. And continue to harass me about payment, up to and including threatening myself. I wish to have my total debt amount in writing so I can make payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
Made payment to GE/XXXX/Synchrony Bank ahead of due date.  Due date was XX/XX/XXXX for $XXXX. Paid online $XXXX on XX/XX/XXXX. Received an email stating no payment received (XX/XX/XXXX.) Verified immediately with payment confirmation (XX/XX/XXXX), my bank (XX/XX/XXXX) and account online. Payment was received and processed.  I called Synchrony Bank (XX/XX/XXXX @ XXXX est.) Spoke with representative that could not help, except to remove late fee. Asked XXXX for manager. Spoke with Account Manager, XXXX (ID #:XXXX on XX/XX/XXXX @ XXXX est.) She said the account would be credited the late fee bringing it from past due amount of $XXXX down to $XXXX.  I stated, "How is that possible?" I only owe $XXXX for XX/XX/XXXX. She said I had to pay the late fee of $XXXX. It was in the XX/XX/XXXX Credit Card Laws. I stated, "You are penalizing a customer that pays ahead of time $XXXX." She said, "You have to pay it because you didn't wait for us to issue a statement." I replied, "How can you justify that? If you can, I'll pay it but you can't!" She said, "She has to do it with her credit cards so it's just the laws." I said, "Okay, I'll contact the Consumer Agency and see if that is correct because this is wrong."  We disconnected the call and I contacted FCPB. I spoke with XXXX (ID#XXXX.) She looked up the laws and could not find in the XX/XX/XXXX laws what XXXX was talking about. She offered to take my complaint but I chose online so I could attach the documents. Upon further research, I see that statements are generated on the XXXX. Payment was made on XXXX and received by them on the XXXX. Still, it is not right that I pay a penalty for paying the day they issue statements and they get their money the next day. Payment site also states: Please make payment by XXXX It does not stop you from paying before they issue a statement. This is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I REFINANCED MY HOME THROUGH ONE TRUST HOME LOANS IN XXXX. THEY FAILED TO ESCROW SUFFICIENT FUNDS TO COVER MY PROPERTY TAXES AND HOMEOWNERS INSURANCE FOR 2017. CLOSING DOCS SHOW THAT A PAYMENT IN THE AMOUNT OF {$710.00} SHOULD HAVE BEEN MADE TO PAY PROPERTY INSURANCE. PAYMENT WAS N'T MADE AND I CA N'T FIND OUT WHERE THAT MONEY IS. ONLY 6 MONTHS OF FUNDS WHERE ESCROWED TO PAY PROPERTY TAXES, PROPERTY APPRAISER WILL NOT ACCEPT PARTIAL PAYMENT AND THE CHECK WAS RETURNED TO THE TITLE COMPANY. I CAN NOT FIND OUT WHERE THAT MONEY IS AND WHY TAXES FOR THE ENTIRE YEAR WERE NOT ESCROWED. WHEN I QUESTIONED THE AMOUNT AT THE TIME OF CLOSING I WAS TOLD THAT EVERYTHING WAS COVERED. I WAS ALSO TOLD THAT THE ESCROW REFUND FROM THE PAID MORTGAGE WAS MINE, AT NO TIME WAS I TOLD THAT I WOULD BE RESPONSIBLE FOR 6 MONTHS OF MY PROPERTY TAXES. IT IS MY UNDERSTANDING THAT IF THE PRESENT MORTGAGE COMPANY HAS TO " LOAN '' ME THE FUNDS TO COVER PROPERTY TAXES AND INSURANCE THEY WOULD THEN HAVE TO RAISE MY PAYMENT IN EXCESS OF $ XXXX A MONTH, MONIES THAT I CAN ILL AFFORD. I WANT XXXX TRUST TO CORRECT THEIR ERROR AND GIVE ME THOSE FUNDS THAT ARE NOT ACCOUNTED FOR, THE {$710.00} THAT WAS SUPPOSED TO BE PAID FOR INSURANCE AND NEVER WAS AND THE 6 MONTHS ESCROWED FOR PROPERTY TAXES THAT WAS RETURNED TO THE TITLE COMPANY AND THE 6 MONTHS OF MONIES THAT WERE NOT ESCROWED TO COVER PROPERTY TAXES.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I had disputed and tried to get some late payments that were reported by mistakes made on the banks behalf to no avail. I sent in the letters received from the creditors apologizing and wrote my letter to the bureaus requesting a dispute and to please review my documents. This company I feel has done right by me until now. Now I feel like because it was the holiday season that my stuff does n't matter. I did file a complaint and I hope this lack of responding is n't retaliation. I 've downloaded some more documentation showing missteps and violations of credit report on behalf of this company. let me know anything else thank you, 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 2016-09-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Items on my credit report that is old and charge off need to be remove from my credit report it is affecting my credit. Please have them removed from my credit report immediately. It becoming a serious problem to 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 explanation
Consumer complaint received 2016-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
In XXXX, I opened a Secured Credit Card with Bank of America of XXXX dollars, I used it properly and I always made the payments on time. 
In XXXX, I decided to close it because I had some inconveniencies with this Bank and they did not informed me that I had to pay some extra fees for using the Secured Credit Card. They did not educate me on managing the Credit properly and did not inform me neither that I had to pay some fees. 
After a month, I paid what I owned, it was not more that XXXX dollars but they had already reported me to the Credit Bureau and it is affected negatively my Credit. 
Last year, they sent me letter in which they said, I do n't own anything to Bank of America but I need to get this removed from my Credit Report, please!

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 2017-02-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
They where not willing to work with me when I lost my job and put multiple of duplicate accounts on my credit causing my score to go down causing more of a financial hardship for my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Tried on several times to get my service sailor act rights. I was told to defer them I was not eligible for. I was told I must defer them and change to higher percentage rate. This also made more charges on my account. This has made my account increase and not helping me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
We have a Sams Club Credit Card ( Synchrony Bank ) and they have a practice of lowering your credit limit after running random credit checks. Doing this continues to negatively impact our credit. For example, we may have a credit limit of {$1800.00} with a balance of {$1600.00}. After a random credit check, Synchrony lowers our credit limit to {$1600.00}. To those looking at this account, if now looks like we are over our limit, which can negatively impact our credit score or be seen negatively to someone if we were looking for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I signed up for an account and added automated payments. The payments I setup were double the minimum amount. I have only received XXXX emails from this company since signing up but the payment continued to come out of my account. last week I received a email stating I owned over {$2000.00}. After doing my research I found out my promo was up in XXXX with less than {$500.00} left to payout. f I had not received anything from them until now. I called to try to get this straighten out and the customer service agent we rude and dismissive however they did inform me that another {$1700.00} was added to my {$500.00} and there was no way to go back and pay of the amount even though I had not been receiving any statements to know it had run out. I researched further only to find that this company is know for these types of antics. I have tried to work this out with XXXX different reps from this company and all of them were either rude or did n't care to help. There has to be some law against what they are doing to customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My initial loan was for the amount of {$19000.00}. After 4+ years of perfectly on time payments my current balance is at {$23000.00}. Close to {$1000.00} of this is only from the past 3 months of non-payments. I have ceased payments do to the fact that my servicer ( Navient ) may come under suit from you ( the CFPB ). I believe I am a victim of everything your pending suit entails. Dodgy practices, exorbitant interest, have all kept me in debt and makes sure that I continue to be. 
Preliminary estimates of my balancing book show that the above debt is all but nearly paid. However as stated the debt has only gone up, after 4+ years of payments. 
The school that I attended, The XXXX, located at XXXX, XXXX, PA XXXX, owned by XXXX ( XXXX XXXX XXXX ) has also come under fire, adding insult to injury. They too are dealing with impending litigation for their practices, mostly which have to do with private loans. However this claim is against Navient and their practices. 
I urge the CFPB to continue there research into the practices of Navient and follow through with there suit against the company. Doing so could help thousands like me currently dealing with this company as well as help future students from companies like Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
XX/XX/XXXX during the Holiday season Walmart approved me for a credit card without any income verification. Since then I have paid my account on time and paid off the entire balance twice. In XXXX XXXX I actually paid my account twice XX/XX/XXXX and XX/XX/XXXX although payment was due on XXXX XXXX which was a Sunday. In XX/XX/XXXX I was charged a late fee but I was given credit on XXXX/XXXX/XXXX. In XXXX my credit limit was decreased to {$400.00} without any justification, I called customer service to dispute the matter and after verifying my net income, Walmart declined to increase my limit again to {$500.00}. XX/XX/XXXX XXXX increased my credit limit to {$1000.00} because I 'm a good customer. I have been a good customer to Walmart also. Since obtaining the Walmart credit card in XXXX XXXX, I have actually lowered my debts and increased my credit score. Walmart reduced my credit limit unfairly. Walmart is using deceptive practices in providing quick credit approvals then re-tracking themselves after 6 months of paid interest at 23 %. The approval in XX/XX/XXXX at the {$500.00} limit was based solely on my zip code, nothing else was asked.

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 2016-01-10
Company: CHECK INTO CASH INC.
State: MO
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Loans by Phone a subsidiary of Check Into Cash deposited a {$300.00} loan into my checking account on XXXX XXXX, 2016 without my authorization. I never applied for a loan from this company. If any interest is taken out, I will pursue fraud charges against this company. My bank has already been informed of this situation, and the account will be cancelled when Check Into Cash debits my account. As I am currently in a chapter XXXX bankruptcy, I am also informing my attorney about this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had XXXX Bank of America checking and saving account. Someone compromised the second account I had and used it in a different state that i 've never even been to. They deposited a fake money order into my account, forging my signature and all. I got a call from letter from BOA saying saying my accounts were closed due to fraud. I explained to them what happened and they said they were n't able to help me. I now have a fraud alert on checks system and owe BOA money! This has all been very frustrating to me knowing someone stole my account info and the bank wo n't do anything to solve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
Bank of America sent me a new credit card with the reason that they stated was to protect my security. I had automatic payments set up with their bill pay site. I got a letter from them saying I missed a payment. I called them and said I was on auto pay. I was told I never set up a new bill pay with new credit card number, IXXXXwas never told to do that and their was statement with my new card stating I should do that. They charged me a XXXX dollar fee. Then today I got a letter in the mail saying they reduced my credit card limit because of missed payment.

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 2016-04-07
Company: BANK OF THE WEST
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX/XXXX/XXXX Senior Vice President XXXX Bank of the West Hello XXXX XXXX, On XXXX/XXXX/XXXX I made a early extra {$300.00} payment using funds in account from Income Tax return deposited into account on XXXX/XXXX/XXXX. Enclosure ( Auto Pay debit 0f $ XXXX XXXX ) As we know The Section titled " Prepayment '' in the Promissory Note states " Early payments will not relieve me of my obligation to continue to make payments under the payment schedule. '' It was explained to me this is why AutoPay debited {$570.00} on XXXX/XXXX/XXXX to Satisfy the Regular scheduled payment due under the payment schedule. 
On XXXX/XXXX/XXXX I made a early extra {$450.00} payment using Income Tax return funds that deposited into account on that day. 
As we know by " Promissory Note rule '' the regular scheduled payment of {$570.00} is still due on XXXX/XXXX/XXXX. 
That would make regular payment of {$570.00} due on regular payment date according to you " XXXX/XXXX/XXXX ''. As we know AutoPay should debit {$570.00} on regular payment date " XXXX/XXXX/XXXX ''. We know by the Note Rule an early payment can satisfy a late payment fee of a future payment date but does not ever satisfy a Regular payment due under the payment schedule. 
Account balance on XXXX/XXXX/XXXX was {$2500.00}. Plenty of funds to satisfy Regular scheduled payment of of {$570.00} on XXXX/XXXX/XXXX. Enclosure ( XXXX XXXX Checking AccountStatement ) One thing we do know is the Regular scheduled payment can not be satisfied because of an earlier payment. 
Why did AutoPay fail to debit regular scheduled payment of {$570.00} on the Regular scheduled payment date of XXXX/XXXX/XXXX? Enclosure ( Mortgage Transaction History ) Thank you in advance for acknowledging and answering this request. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello I am struggling with paying my student loans and Navient told me that I am not qualified for lower monthly payments. They are expecting me to pay XXXX a month which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EOS Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get frequent calls from XXXX but when I answer they do n't respond. I did some XXXX research and learned that this number belongs to EOS CCA, a debt collection company that apparently buys uncollectable debt from various companies and then tries to collect on it. As far as I know, I do not have any unpaid debt and I have no adverse actions on my credit report, so I do n't know why they keep calling me. And since no one responds when I answer the phone, I ca n't even find out from them why they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The XXXX XXXX Hospital sent me to collections for {$750.00} for medical services that was not provided to me on XXXX XXXX, 2011. I was never seen in that hospital. Also, XXXX XXXX XXXX XXXX is sending me a bill for {$50.00} for services for XXXX XXXX. I never received any care or services in these mentioned facilities. I want them to correct this matter.

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