BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-22
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I have been a Barclay Credit Card holder since 2014. After reviewing my payment history I discovered that they were taking XXXX dollars a month for interest which only 10 percent of my payment was actually going towards paying down the balance. Their terms and agreement page is misleading and unclear.

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: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
At the beginning of XXXX 2016 I received a phone call from a collection agency stating that my Sears had been sent to collections. I had not been able to access any information about the card for a year, I had elected to get electronic statements but had not been able to see them for 14 months as of XXXX. I was paying my bill through the electronic payment service provided by my bank. I do not know how long it took to process the payments because I could not access a statement.

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 2016-07-04
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card
Issue: Credit determination

Complaint:
I closed my accounts after having a card for 10 months, my credit limit was {$500000.00}. 
The reason I closed my accounts, because I had several accounts with Synchrony Bank and being with them almost a year and was NEVER late with any of my accounts, they wanted verification of my social security number and tax forms, they cut my cards off and when I went in a store to use a card it was declined and very embarrassing. 
Closed all the accounts and no open accounts with Synchrony Bank after a few months I decided to apply for a Walmart Card and I was told it was in the credit department review, I received a letter of denial and the reason for denial : The request was judgmentally reviewed and denied for the following reason ( s ) POOR PAYMENT HISTORY WITH CREDIT PROGRAM I have documents of payment history and I never paid minimum payment, I always paid more and they even increased my credit limit to {$7000.00}! 
The credit department is treating me unfairly and my credit is excellent.

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 2015-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have discovered the enclosed Assignment of Mortgage on my loan was robo-signed by serial robo-signer XXXX XXXX. 
Robo-signing is illegal in the State of New York. Therefore, making the robo-signedAssignment of Mortgage on my loan fraudulent. Mortgage Line Financial Corp., aNew York Corporation did [ n ] ot exist on XXXX XXXX, 2011 and XXXX XXXX was [ n ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc on that date. 
Mortgage Line Financial Corporation was also [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) on XXXX XXXX, 2011, whom can be reached for verification of this fact at ( XXXX ) XXXX or toll-free ( XXXX ) XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card
Issue: APR or interest rate

Complaint:
In XX/XX/XXXX I borrowed {$45000.00} on my XXXX XXXX XXXX XXXX XXXX XXXX, with a XXXX % APR for 1 year and a fixed interest rate of XXXX % thereafter. Meanwhile, my loan was sold to Barclay, who proceeded to charge me 16.99 % variable interest. For 3 years now I have spent HOURS on the phone with them, asking for them to XXXX ) produce the original contract ( which they claim to have never received in the purchase from XXXX, when I contacted XXXX, XXXX told me they had given it to Barclay, Barclay again never received, etc. ) ; XXXX ) honor the original XXXX 8.99 % interest rate ; XXXX ) provide me the courtesy of sorting this out. I have always paid above and beyond the minimum payment due. I always initiated above said phone calls. On various conversations, I was informed that the APR was reverted back to the XXXX FIXED rate, yet this never occurred. I also quit using the card as although I would pay in full that month 's charges, along with at least that month 's minimum loan payment, and always on time, yet interest always accrued on the current charges ( which never were beyond their 30 days due XXXX. Verbally, they claimed this was not to happen, yet on my statements, it always did. Just this last XX/XX/XXXX I was alerted by a recorded telephone message that my XX/XX/XXXX payment had not been received and is now past due. Until this point, I had never been late on this account. I had also sent in this payment. I called to find out what was going on, and they had attempted to take the money out of a checking account I had closed over a year ago ( which they had known about the account closure, as I had given them a different account from which to withdraw funds ). This caused the payment to be declined. I immediately called, and was told that late charges were removed and my payment was accepted. Upon receipt of this month 's ( XX/XX/XXXX ) bill, it showed me now owing twice the minimum payment due, and unbeknownst to me, XXXX of my XX/XX/XXXX 's over payment did not go towards the principal balance, but was applied toward XX/XX/XXXX 's amount due, subsequently accruing even more interest on the principal than their already unfair interest charges. This unfair practice happens over and over and when I call I do n't seem to get resolution, and no one gets to the bottom of this nightmare. I have yet to receive copies of the original contract, and I have never been a bad, defaulting or even late customer. I look forward to some sort of fair and courteous resolution. In frustration today, I advised them of my intent to file a complaint in regards to this matter, and the representative 's response to me was, " Do what you got to do, and good luck with that. ''

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 2016-04-22
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Sent an insurance check from XXXX XXXX XXXX XXXX to Ditech Financial Claims,XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX/XXXX/2016 for endorsement from tornado damage inflicted in XXXX 2016 XXXX XXXX . Still have not received check back as of XXXX/XXXX/2016. Would like to fix my home as I have spent available funds to temporarily do so. I keep getting dates for " the check is on the way '' from different people with Ditech. I was told by Ditech to send it Attn : XXXX. Do n't know who that is, and have never spoken to her. I need that money to repair stuff. HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are submitting a complaint against PENNYMAC XXXX mortgage company. They faithfully took our mortgage payment for over 1 year, always paid ON TIME. At the beginning of 2015 we received a bill totaling approximately {$15000.00} due to insufficient escrow and a statement that had our taxes at over {$24000.00}. INCORRECT!! We called to inform them that the taxes they have are wrong and even provided tax statements from our local township that had our taxes listed at between $ 6,000- $ 7,000/year. They stated that they had paid the township much more than the township states they actually received from them. They state that they were able to obtain a refund of THEIR money that was overpaid but it still left an error on our account for which they are trying to bill us approximately {$2000.00} in order to bring our account up to date which they will then refund to us. ALL calls to Pennymac have resulted in nothing but delay, poor customer service, inability to rectify this problem in a timely manner and now they have put us in collections and have affected our credit for THEIR error. We have continued make our monthly mortgage payments and have faithfully been calling asking for them to resolve their error only to receive harassing " automated '' notices and NO actual assistance or resolution. We are seeking legal counsel for the issues with this company and have noted MANY similar consumer complaints online with many of the same complaints. This company appears to be conducting itself in numerous unethical ways and has the poorest customer service we have EVER experienced ANYWHERE. We desperately need investigation, assistance and intervention to rectify this issue and have the company resolve their errors and restore our credit. Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred from XXXX to Green Tree on XXXX XXXX, XXXX. Green Tree is now Ditech Mortgage Corporation. I have not received loan documents from Green Tree or Ditech as of today XXXX/XXXX/XXXX. I have made numerous requests for my loan documents via Green Tree and Ditech customer service email web site and by phone with their customer service representatives. As a result of those requests I received from Ditech three sets of loan documents covering a loan I had with XXXX back in XXXX, but nothing covering my loan withGreenTree/Ditech. In addition to the missing loan documents Green Tree/Ditech tacked on late fees to my loan amounting to nearly {$300.00}. I have never been late with my payments to Green Tree/Ditech. I am very frustrated with the situation. I know Green Tree/ Ditech is breaking the law by not providing me with loan documents..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Ditech Financial LLC
State: AL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I got a loan from XXXX. this loan was sold to green tree. Green tree then foreclosed on the loan and took possession of the property and sold it. they then sold the loan to Ditech. Ditech sent me a XXXX form to pay taxes on a loan that was foreclosed and stayed on my credit report for 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt has been charge off, now it is comingbac for collects. I would like for thisto be removed from my credit report. XXXX and 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 2018-03-20
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2018, I ordered a copy of my credit report. Upon review, I noticed well over 30 unauthorized inquiries on my credit report. I immediately called each credit bureau and filed a formal complaint as well as the Federal Trade Commission so as to provide them the necessary information so as to have these unauthorized inquiries removed from my credit report. Well after 45 days of waiting I received letters stating that these inquiries have been verified and when I inquired as to how the bureaus stated they sent out emails or some sort of electronic communication asking were these inquiries made by me. They stated each company had responded as " YES '' but when I asked whom did they speak and what kind of physical evidence could be found they all said they didn't speak to anyone or review any documentation. I am completely baffled by this so they just sent basically a TEXT requesting the company in question do they KNOW me and those companies said YES. This is completely disturbing to know they did not truly validate these applications yet are reporting I made them. I supplied them with a copy of my utility bill, driver license, and social security card so they could validate said requests which I found in most cases were inaccurate or simply erroneous as the companies who made the inquiries did not have my personal information correct in ALL CASES yet the laziness of each credit bureau is of such they do not care or truly try to investigate such matters as serious as this. Please assist me in this most serious of matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me numerous times a day ( at least XXXX ) ..they have also called my work XXXX times daily, they have been told several times not to call me at work because im not able to receive personal calls, and they continue to call. If I do not answer they start calling from a blocked number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received emails showing someone used my previous name to open an account with Bank of America. The application was approved and sent correspondence through my email. I called their fraud department and they confirmed someone used my identity to open an account, so they closed it.

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 2017-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I 'm been disputing XXXX hospital bills that showed up on my credit report from a very shady collection agency named XXXX out of XXXX XXXX CA. I 've dealt with this company for over a year. They had an incorrect social security number as well as address and other information. I was able to get XXXX and XXXX to remove the information as they confirmed it was incorrect. However Experian was difficult to deal with. I called them several times, they confirmed the info was incorrect that the collection company and even told me they would remove it yet they did not. I called them last week, XX/XX/XXXX, FOUR times until finally a representative from Experian came back on the line after having me on hold for 15 min and told me the collection company wanted to talk to me. I told her I already dealt with them and they we 're very, very nasty and refused to accept this was not my account despite sending them information. None the less she came back on the line and said the collection company refused to proceed without talking to me. She also said she would be right on the line with me and I just had to answer questions. I begrudgingly did this and as I suspected the representative from the collection company was rude, condescending and put me on hold because I " was not behaving. '' Once he came back I gave him the information he requested however the representative from Experian did not tell me that the numbers on my social security number that we 're incorrect where the last XXXX numbers. The agent from the collection company asked me the last XXXX of my social, I gave it to him and the minute I did so the agent said " thank you thats all I needed, we 'll be in contact '' and hung up. Experian did not help me remove this item as they should have, they made it so this criminal company now has access to my info. I want Experian to be held responsible for this and I want these XXXX false reports from XXXX removed.

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 2018-03-20
Company: ALLY FINANCIAL INC.
State: TX
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:
Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX, and 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 2015-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a capital one credit card account that has restriction due to suspected fraudulent activities.I called there Fraud Department and I talked to a representative and fraud specialist to validate and verify all the the information that I own the account after verifying all this information they still wont able to remove the restriction to my account so I can use itXXXXagain.This account is paid off and there is no balance.I 'm requesting that I can waive or remove the restriction to my credit card account.And they sent me a PIN but how am I suppose to use my card it has restriction to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a prvious complaint ( XXXX ) about my mortgage servicing company holding extra funds earmarked for principle reduction in a non-interest bearing account. It took them five months and your complaint to get the funds applied. The following exceprt from a letter dated XXXX/XXXX/15, that I received from Ditech, " When an account is in active bankruptcy, Dtech can not apply overage payments to principal without court order and trustee approval. Additional funds would need to be considered by the trustee and possily result in a new bankruptcy payment plan. '' Is it Ditech 's perogative NOT to notify the trustee? If this preposterous statement is the truth then they are in violation with full admission of knowledge of the rules by the statement from their letter! The mortgage company ( there have been somany I wold have to research who held he mortgage at the time the of the filng ) was only used in the " means determination '' for our bankruptcy. It was our intention from day 1 to meet this obligation. We did so with 60 consecutive on-time payments to both the mortgage company and the bankruptcy trustee. Our payment plan which we completed sucessfully repaid all of our includeed creditors in full. Recently, I received a telephone call from Ditech collections about a " partial '' payment. They wanted an electronic payment over the telephone with a service charge. The loan that Ditech services assumed was an interest only payment which just recently went to interest and principle. Ditech never notified us of the change. Their claim is that they could not tell us because it would violate bankruptcy law if they contacted us about a debt. The bankruptcy was discharged XX/XX/XXXX and we just got our first regular statement form Ditech. I requested a payment history from Ditech for the bakruptcy period ( 5 years ). They claim that they have only serviced the loan for two years and can only provide a two year payment history. In this age of electronic records it is hard to believe that a payment history would not follow an account from financial institution to financial institution. 
I believe these practices to be both irregular and illegal. To claim that by " magic '' ( without any notification requirement by the mortgage servicing company ) I was supposed to know the new payment amount. This company is an affront to any sense of fair play or customer service. I am dealing with thm with no chice in the matter or any recourse!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from a representative at Credence Resource Management ( he stated that his company 's mailing address was XXXX. XXXX XXXX, XXXX XXXX, Michigan ). He attempted to verify my name and address without stating that the call was from a debt collection company. He addressed me by my maiden name ( I changed my name when I married three years ago ) and told me that they had an address on file for me in a state that I have never lived in. He stated that the call had to do with XXXX XXXX, but did not say whether he was trying to sell me XXXX XXXX or collect a debt for XXXX XXXX. I have never purchased XXXX XXXX in my life. He continued to try to verify my address and I refused. I looked up his company online and found that it was a debt collection agency. I told him that it was illegal to obtain information from a consumer without first stating that he was a debt collector. I asked to be transferred to his supervisor. I reported him to his supervisor and asked to be placed on their do not call list.

Company response to consumer: Closed with non-monetary relief