BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-19
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was bought by Green Tree in XXXX XXXX. My husband lost his job in XXXX XXXX and we got behind. We tried to work arrangements out with Green Tree. They are refusing my payment unless I bring it current. They are calling several times a day and faxing over personal info and payment history to my work fax and my co workers seen it. I paid a XXXX payment in XXXX $ 4200- because of there threats of taking my home. I paid another XXXX in XXXX and called another payment in for XXXX in XXXX. I was told I am still XXXX payment behind and needed to pay {$4200.00} for XXXX not XXXX and that would bring me current. I explained to them I do not have it. I then received another call a few minutes later from another account Rep - who handles my Account - I was threatened they would void my payment for that day and it would put me 60 days past due. I asked again to speak with a manager - who then gets on the phone and says they will look in to it. I called back the next day and asked if my payment had been voided, I was told no. I pulled my bank statement up and see they reversed it back into my bank account. How can they refuse a payment after excepting it. The tactics they use are not right for those who are trying to keep our homes. They are purposely refusing PAYMENT to damage my credit and make me loose my home. What can I do?? They told me to file foreclosure. I can not believe they would want to push a customer into foreclosure over being XXXX payment past due. I am trying to keep my home and have always paid on time until my husband lost his job. I have proof of them excepting the payment then voiding it. I believe they are playing games, I have talked to several people who claim to be managers who say they will look into it with no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Over the weekend, I received alerts that a new collection account was added to both my XXXX and XXXX credit profiles. When I checked the alerts, it showed that MIDWEST RECOVERY SYSTEMS had added the collection account but I never received any notification concerning this, which I believe is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I purchased three items of clothing from Macy 's Department store in XX/XX/XXXX for {$87.00}. My account was set-up with electronic billing. Macys redesigned their website XX/XX/2015 and erased all of their previous electronic billing data. They subsequently never billed me nor did they make any attempt to collect the debt from me, or even contact me regarding the debt. I have subsequently incurred late fees and interest increasing the debt in four months to {$230.00}. I discovered the delinquent debt when applying for a mortgage refinance and discovered my credit score has dropped from over XXXX to XXXX. I have paid the {$230.00} debt, however I feel that Macys has acted in bad faith with regards to the imposition of late fees and charges given that my electronic billing arrangement worked well previous to their deletion of my information. While responsible for the underlying debt, I am unhappy that Macys felt they could delete my account and then charge me heavily for the action. Of more concern is the damage to my credit score. Their action could ultimately cost me thousands of dollars in increased interest due to the damage to my credit score. Prior to this incident, I had never been late on a payment in my entire life.

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 2017-01-26
Company: LEXISNEXIS
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have dispute a tax lien multiple times with XXXX that do n't belong to me, they remove the tax lien multiple times and wait a long period of time then the tax lien is back on my credit file. I asked XXXX to validate the information they have n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Fay Servicing, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in Chapter XXXX bankruptcy. My mortgage was sold to Fay Servicing in XXXX XXXX. In XXXX I was struggling to make mortgage payments. I finally got caught up with my payments, as I was aware, in XXXX XXXX. In XXXX of XXXX I called my account manager at the mortgage company and asked her to tell me where I was in my payments. She never returned my call. It turns out at that point I was less than {$60.00} behind. I missed XXXX 's payments due to some car repairs. In early XXXX the mortgage company filed to remove themselves from the bankruptcy. On XXXX XXXX, I sent XXXX 's mortgage payment. Unbeknownst to me, the mortgage company changed their mailing address and never informed me. As a result, the payment was lost for approximately two months. Now Fay Servicing tacks on a {$900.00} attorney fee. For being what was basically one month behind in my payments. By the end of XXXX all payments were current. In the court hearing with Fay Servicing to find me in default of my bankruptcy agreement and the subsequent paperwork the trustee sent to me, I discovered that Fay Servicing once again changed their mailing address without notifying me. If it were n't for the paperwork received from the trustee, my payments would again be lost, and I would lose my home. I believe they are deliberately not giving me crucial information so they can foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Synchrony-savings account was restricted And they havent given me a valid reason why even when i call them and tell them that i have done nothing wrong on my account. Im telling them i can verify everything on my account but they are saying the back office deals with this and even when i get a manager on the phone they tell me the back office doesnt take phone calls.

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 2016-04-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I 've been an American Express customer for over ten years and have never had a late payment. I always keep everything on autopay. In 2013, I switched from a Blue Cash card to a Blue Sky Preferred card at the urging of a telephone representative. The sales rep told me that my autopay for my old card would be carried over to the new card and I would n't need to take any further action. This turned out to be untrue. While I was out of the country, the autopay did not carry over, and my first payment on my new card triggered a late payment, charging me a fee and affecting my credit report. I 've tried to get them to correct the error a couple of times, and they did credit back the late penalty. What they failed to do, though, was " re-age '' the account so the late payment would n't hurt my credit score. I 've now just tried once again to resolve the issue with them, and they 're still not being helpful. They already admitted the error years ago when they credited me the late fee. The fee was negligible, though, as was the amount of the late payment -- the real issue was the impact on my credit score. I 've never had a late payment in my life. When I spoke with them today, the woman I talked to impugned my integrity instead of acknowledging their obvious error ( which they had acknowledged in the past ). The woman I spoke with was named XXXX, badge number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
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:
At first I remember I was making small payments while I was in school which I could afford. I believe I was paying about {$15.00} per month. I was only in the school for one year ; I could not return because I lost the only transportation I had & I also got injured on the job that left me XXXX for 3 months. My education cost was only {$27000.00} but somehow the private loan was for $ XXXX- $ XXXX (??!! ). Shortly after I was out of school I was still making payments, but now they were demanding more $ . They refuse to lower my montly payments or provide me with some assistance such as forebearance, deferrment.. Just anything.. They were always extremely rude. Honestly, I dont know how people had a joy working for them. During my time of employment they would harrass me with calls at all hours even on Sundays demanding I pay them {$400.00} a month payments and they love to make threats to garnish your wages. I honestly told them that all I may be able to pay is $ XXXX- {$150.00} a month and they still refused. I mean thats horrible! You are still going to get something from me. My school changed its name about 2-3x 's because they 've been sued so many times because the education was just horrible & now the school is officially shut down. I tried applying for loan forgiveness and they denied me because I left before the school was closed down. XXXX/Navient is the biggest debt I owe and has affected my credit score badly. I can only pray tgat one day Justice will be served & loans will be forgiven. The name of the college was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We moved out of our apartment in XXXX. We left the apartment immaculate, even cleaning behind the oven and vacuuming our way out of the apartment. 

Several weeks later the apartment management presented us with a bill for "repairs" that was full of mistakes and most of the items included were false and/or in violation of the Texas Property Code. In other words, almost all the charges were for things we either didn't owe or were for things that they could not charge for by law.

We attempted to resolve with the apartment management, but they refused to remove the wrong / illegal items. Instead they sent it to collections.

This is causing us serious financial and emotional distress. We are in the process of closing on a house and the closing is held up because of the disputed collection on our credit report. Additionally, this is causing us to incur higher interest rates and fees and will cost us thousands of dollars.

The collections agency filed a collection on our credit reports. We have attempted to resolve via the proper channels:

XX/XX/XXXX: we sent letters to the XXXX credit bureaus per the FCRA to dispute the information and request them to validate the data. All XXXX responded that they investigated and that the creditor says it was valid. When called to discuss, the credit bureaus said "you need to have the collection agency remove. We just ask them if it is valid."

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA asking them to validate the data. They replied that the creditor said it was valid and sent us copies of the lease and the form showing the illegal/wrong charges. They provided no proof.

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA stating that what they provided was not proof. It also clearly stated what was incorrect or illegally reported, and requested they remove the improper charges and remove the collection from my credit reports. They replied on XX/XX/XXXX that the creditor contends the charges were valid and resent the same information from their previous letter. No proof was supplied.

XX/XX/XXXX: we sent a letter to the XXXX credit bureaus per the FCRA to inform them that we asked the collection agency to validate the debt and remove if incorrect, and that the collection agency could not do this. We requested they remove the collection or we would file a complaint with the FTC and/or pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I began shopping for a new automobile in XXXX 2016. I have signed only two applications and it was upon the assurance from the Finance Manager at a XXXX and XXXX dealership that he could get financing for sure. I told them I already had my own financing and that I had a fraud alert in effect due to Identity Theft. I was assured it would be a soft inquiry. Of course I was turned down. I have only been in a dealership building twice but counting all XXXX Credit Bureau 's Hard Inquiry shows almost XXXX total inquiries. 
I understand there is a tern " Shotgunning '' where Automobile Dealerships pass your inquiry or tracking software to see that you have visited their web site and then the next day a salesman calls. 
Of course everyone wants to get the best price and I see nothing wrong with viewing their inventory online. I did not know they had the ability to see who visited their website until I got an angry email from a salesman at a XXXX dealership in XXXX AL who sent me a nasty email about visiting their website over 25 times and to make up my mind. 
I had a friend that formerly worked as a XXXX said all XXXX have sources that they can get Social Security numbers on anyone without consent of the consumer. 
I believe that laws should be passed to require a signature in person or notarized to sign for their Social Security number to be given. That is one of the provisions in the Patriot Act but Automobile Dealers and Mortgage companies. 
Therefore I ask demand that the Hard Inquiry placed on Credit File with XXXX and XXXX be removed within ( 15 ) days or Legal Action will begin. 
There is a section in the FCRA laws that you have reason to sue in ANY COMPETENT COURT OF JURISDICTION for improper Hard Inquiry from any Credit Report Agency. 
I am asking that you voluntarily see that your inquiry or inquiries be removed from the Credit Bureaus, or by acceptance of this Certified Mail, I authorize that I have the right to sue in the XXXX Court. Our Social Security Numbers will be provided on a separate document although you already have it. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have been sending {$100.00} to Capital One Bank for several years into my High Yield Money Market account. For some reason, Capital One stopped crediting my Money Market account as of XXXX/XXXX/15 although my Credit Union has continued to send the money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This issue was first resolved XX/XX/XXXX with Green Tree Servicing LLC and Consumer financial Protection Bureau case number: XXXX, whereas green tree acknowledged my payments.
What happen in the process: 
On XX/XX/XXXX, I talk with Representative XXXX with Green tree mortgage to get and explanation why every time I make a payment it doesn't show in my account activity for payments receive and principal reduction.  She informed me Green tree had placed my account into a loan modification.  As I explain to her I did not request or sign any documents requesting a loan modification.  She requested me to do two things:
1. Write a letter stating I do not want a loan modification, and I will send the balance of $XXXX needed to bring the loan current on Friday XX/XX/XXXX.  I fax the request on XX/XX/XXXX.  Green tree sent me a letter acknowledging my fax.
2. Mail funds on Friday XX/XX/XXXX as agreed to bring the loan current. On XX/XX/XXXX I mail check number XXXX in the amount of $XXXX to Green Tree.  I've confirm with my bank the funds was processed on XX/XX/XXXX.
Today XX/XX/XXXX
After Green Tree's letter of acknowledgement about resolving this issue Green Tree keep putting me off for the reason the monthly statements did not reflect I was current on payments.  Later Green tree moved my account to Ditech now this issue has not changed and I keep getting calls stating I'm late on payments and this month they reported it on my credit report.  I have details of all my payments to green tree and Ditech showing I have not missed a payment after I brought the payments current XX/XX/XXXX.  
Date	 	Check Number		Payments	         Balance
						
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX						
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX						
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX						
XXXX
XXXX
XXXX
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 2016-11-10
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I need my payment recast after making a large principal payment in XX/XX/XXXX. I called Ditech before making the payment and was told it would be done " automatically ''. It was not, so I called again in late XX/XX/XXXX, and despite a 30 day turnaround requirement for XXXX, I got no reply until I was sent a modfication document in XX/XX/XXXX ( received AFTER the deadline to return it ). In the meantime I have been making the full invoiced payments, but Ditech has put my " funds in suspense '' and I have received weekly harassing phone calls for payment. I finally spoke to a woman who promised to correct the documents ( not accurate, because " they ca n't change the XXXX form '' to use the correct dates ) and I demanded an accounting of how my last three payments have been applied. I am still waiting for that. This is 4 months since the initial principal payment, and they took 2 months to reply after I made an " official '' request for a recalculation. This still has not been done properly -- and in the meantime I have been making my full invoiced payments and have been harassed with collection phone calls about non-payment for funds -- that have been paid and put in " funds in suspense '' by Ditech themselves. I would like to have the recalculation done properly ( with a backup of their calculations ) and a guarantee that all my recent overpayments are applied to principal ; to make sure their math is correct and that they I receive some compensation for their violations of law and abysmal and abusive treatment of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is reporting incorrect information on my credit report. Several attempts via phone and US mail informing Transunion of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX  attempted to send several correspondences to correct wrongful information on Transunion reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 4. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.

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 2015-08-24
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Rewards

Complaint:
Little less than a year ago we started a credit card with American Express. We were told by them that items purchased at a grocery store would be given a 6 % cash back credit. We live within XXXX mile of XXXX XXXX and buy almost all our groceries at this store. After several months we noticed that we only received a 1 % credit instead of 6 %. My wife, XXXX XXXX, and I, XXXX XXXX ( both of us have this credit card ) called them about two months ago to see why we were n't getting the promised credit. We were told that it was a mistake and were given a partial credit for previous charges for the extra 5 %. I recently noticed that for the last two months we were again only being paid the 1 %. The reason, they said American Express changed their policy. Grocery stores that have gas stations no longer are eligible for the 6 % credit. Since XXXX XXXX has gas stations at their stores, that makes the grocery purchases not eligible for the American Express 6 % credit. I explained to them that our local grocery store at XXXX does not have a gas station. They responded that since some of the XXXX XXXX stores do have gas stations that that is how they code all XXXX XXXX stores. I complained that certainly this was n't fair but they refused to change our account to get the full 6 % rebate. Appreciate you help on this unfair matter. Thank you XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Prior to XX/XX/2019, I cancelled our XXXX account, this was over the phone. I was about to have surgery & knew that I would be at home recuperating for an extended time & wanted to have more choices along with Internet. We paid the final bill off & thought all was O.K. A month or so later we received another bill & thought maybe we had not received a final bill. we paid it & now we are receiving another bill. 
We have spoken with them numerous times with multiple representatives, and have been assured that this would be corrected.

Company response to consumer: Closed with explanation