davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

Please refer to CFPB XXXX for a history of the case which I thought was resolved when my mortgage provider, OCWEN sent me documented correspondence acknowledging approval of my request for a loan modification on XX/XX/2017. 

Now OCWEN is reneging on their approval of my loan modification in which they accepted and received trial payment funds in the amount of XXXX on XX/XX/2017. On page XXXX of the new loan modification agreement it clearly states the funds received on XX/XX/2017 were applied to the account for the XX/XX/2017 payment and the next payment is not due until XX/XX/2017 OCWEN is now saying I owe them a payment of XXXX for XX/XX/2017 when clearly the document I am attaching refutes this. They never contacted me nor provided written documentation to support their claim therefore I am not liable for any payment in XX/XX/2017
Consumer complaint received 2016-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

Ocwen does not approve me for a loan modification due to incorrect value that they have in their system, I have forwarded them a certified appraisal report about 1 month ago and they have still not changed my property value, they keep denying my modification saying that I have equity in the house and the NPV test has failed. I want you to intervene and have my property value changed to the certified appraisal value so that they can re review my application and approve me for a loan modification.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

In XXXX, XXXX we filed for Chapter XXXX Bankruptcy and at the time of the intial filing, we reaffirmed our mortgage with GMAC. The Discharge was entered on XXXX/XXXX/XXXX. We never missed a payment and never made a payment late. In XXXX XXXX, due to GMAC 's bankruptcy filing our mortgage was turned over to OCWEN and so began the nightmare. It 's been one thing after another with this company - I do n't understand how they are still permitted to do business! During a routine credit report check, I found that OCWEN is reporting our mortgage as " Closed - Derogatory '' and in remarks it states " Chapter XXXX Bankruptcy ''. In XXXX of this year, I called them and was told I 'd have to provide supporting documentation to my claim that they were no longer allowed, under the laws of the FCRA to report such things. I did so via certified mail on XXXX XXXX, XXXX. I awaited a correction to my credit report, which was never made. I contacted OCWEN again on XXXX XXXX, XXXX and was told that they were sorry for the error, they did, in fact, have supporting docs on hand and this reporting was an error on their part that they would get corrected. I just received notification from them that states they will notify the credit reporting agencies to change the remark to show the loan was discharged through bankruptcy ... what????? TWELVE YEARS after the discharge ( and REAFFIRMATION OF MORTGAGE ) the only thing they should be permitted to report is the fact that our loan has been paid on time, never late!! There should be absolutely nothing in my credit reports about a bankruptcy - is n't that correct???? We have paid and paid and paid for our financial crisis, OCWEN should not be permitted to continue this type of reporting practice! I have spent hours on the phone and writing letters to these people and I feel like I am just beating my head against a wall. I have no doubt in my mind that we are not the only ones fighting this type of a battle with OCWEN. I do n't know where else to turn. We do n't have the money to hire an attorney and should n't have to. Please help!!!
Consumer complaint received 2018-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (PA)

On XX/XX/2018 around XXXX, I was trying to deposit a cash thru ATM machine BBandT branch in XXXX XXXX XXXX in Pennsylvania XXXX. However, my cash was eaten up by the Atm machine. I inserted XXXX US dollars, XXXX dollars each bill. When the money was inserted to the deposit slot, it appeared on the screen that this ATM machine is not available for deposit transaction now. My money was left inside and I tried to log on again and XXXX was not posted in my account. I called the customer 's service of BBand T that time and reported the incident. then the day after, XX/XX/XXXX, I contacted the bank manager and she told me she would file a dispute about this. Then on XX/XX/XXXX, I received a provisional credit of XXXX while investigation is ongoing. I received some paperworks and completed and signed them then submitted back to them by the bank manager. Then XX/XX/XXXX, I received a letter from Fraud and Dispute Center from BBand T bank informing me that they concluded that no error occurred in the ATM and they will reverse the provisional credit. I am wondering if they did any good inspection of the said ATM machine and checked all the cameras and transactions happened XX/XX/XXXX. They said in their final letter that transactions were checked XX/XX/XXXX, whereas my case happened XX/XX/XXXX.
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SUNRISE CREDIT SERVICES, INC (IL)

My girlfriend received a phone call from a Sunrise Credit Services , Inc. about a week ago. She did not recognize the number and did not take the call. Soon-thereafter, this collection company contacted her number again and she decided to find out what was going on. After she identified herself as my spouse ( which she is not ), the collection agency continued to disclose my information to her without properly verifying. They informed her I had a debt with their organization for a phone bill. According to my girlfriend, this agency disclosed a lot of my personal information. The state of Illinois has a spousal restriction law and also third party disclosure laws. These laws have been violated by Sunrise. Upon contact with me, my girlfriend informed me of what occurred. I asked her to call the number back from her caller ID to see what was going on. When the agent answered the phone they specifically asked what number was dialed and then proceeded to state their call was a mistake. However, the agent then asked if she ( my girlfriend ) know who I am. The problem I have with this is, if they claimed they dialed a wrong number how did they come to ask for me? I am pretty sure many violations occurred on behalf of Sunrise.
Consumer complaint received 2016-07-16
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SYNCHRONY FINANCIAL (OR)

I have several CDs in Synchrony Bank that mature on various dates. I gave instructions to the bank to close my CD account that matured on XXXX/XXXX/16 and transfer the funds on maturity date to my bank account in XXXX XXXX XXXX. They are holding my money despite asking the to close my account 2 -3 times over phone as well as sending them e-mail thru their own website ( secured mail ). 
This is not the first time. They did it in XXXX & XXXX 2016. I will not be surprised if they do it again on XXXX/XXXX/16, when my another CD matures.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (CA)

Over the past several months my interest rate has skyrocketed. I am sure that, I did not, nor would have agreed to the terms and conditions of owning a Barclays credit card as they have explained to me. I have, on several occasions, requested to receive a copy of my contract. Each request has been met with a different reason as to why I can not have a copy of the agreement.
Consumer complaint received 2015-11-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

Purchased an item and offered interest free for 24 months if I got their credit card ( GE Capital, now Sychrony ). I was given an amount to pay over those 24 months and set up automatic payment on GE Capital 's ( now Sychrony 's ) website. Problem is twofold : 1 ) Not really interest free, it is interest deferred ; and 2 ) the monthly payment they set up for me was a minimum amount and not sufficient to pay off the amount in 24 months. On 25th month, got hit with interest charges and late fees retro to the original principal amount, even though XXXX % of the principal had been paid. That was 34.99 % interest per month retro for 24 months! Statement just prior to last payment said nothing about this happening. Did n't know about it until interest charge appeared on next statement. In fact, 23rd statement just said that I had to continue to make the minimum payments to avoid a {$35.00} late fee. That was incorrect as well. I had to pay it off in order to avoid the penalty charge.
Consumer complaint received 2015-08-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SYNCHRONY FINANCIAL (TX)

My complaint does not actually fit into any of these categories. It is a complaint against Synchrony Bank, financing via G.E. XXXX XXXX XXXX XXXX via Conn XXXX Appliance XXXX XXXX XXXX. I feel that Conn 's was not clear in communicating the terms of the finance deal and Synchrony is also guilty of the same and also of preying on consumers by applying higher than usual interest rates for products purchased through financing.
Consumer complaint received 2016-12-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

My wife and I went into Ashley Furniture in XXXX Florida town center. They approved both of us for a loan for {$1600.00} a piece. We picked out bedroom furniture and a mattress and put down {$1500.00}. We signed the papers and went home. A couple of weeks later we got a letter in the mail stating we only got approved for {$1500.00} a piece. I called and they told me to wait till the furniture was delivered in a few months so the account would show the difference. I wanted to cancel and was told it would be a {$1200.00} restocking fee.I told the manager why would I pay {$1500.00} dollars and get approved for {$1600.00} only to get my furniture delivered and be in the hole. I would of never walked out of the store knowing that. I wouldnt of signed the papers and went else where. It also showed up as over the limit on our accounts. l told them it would and hurt mine and my wifes credit. I cant believe they do people like that. I have been working on my credit for a few years to get an over the limit action on our account that isnt our fault. I feel Ashley Furniture was very deceiving in how they done us and its unfair to be treated like that. I knew once the payments where due on t h e accounts I wouldnt have enough money to pay the over the limit fee and both our monthly payments. I did pay our agreed amount and was jacked with an over the limit. I would of never in my right mind sign up for something like that. Please help me stop the big corporate guys from misleading hard working people.
Consumer complaint received 2015-09-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

RE : Cardinal Financial LPIn applying for a 30year FHA loan product the servicer deliberately delayed with processing and underwriting in and overcharged from the material GFE. The delay was blamed on inundated staff with overwhelming applications. 
reference : XXXX Approval No. XXXX LICENSE XXXX providing all the needed paperwork they were non-responsive as this is how they can justify providing multiple rate-lock extensions and have complete disregard for the binding GFE. 
XXXX ( attached ) does not reflect the origination fees supplied with the GFE. 
The GFE was charged multiple rate locks because of the lack of service provided from Cardinal Financial : XXXX the original GFE does not reflect the XXXX XXXX XXXX ) promised lender credit of {$690.00} dated XXXX/XXXX/15 when the loan was locked. XXXX attached email ) XXXX
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I send a dispute stating I want documented proof of how they verified information and they sent nothing. They send information on what they can do instead of following the consumer law, which would require them to send information on how they are able to report items on a credit report.
Consumer complaint received 2017-03-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank has been reporting falsely to the credit reporting agencies since XX/XX/2015. I paid off my debt to Synchrony Bank through a debt consolidation program called XXXX. Synchrony received the payments from XXXX and the last time I wrote the credit reporting agency to address Synchrony 's false reports. Synchrony sent me letter back with the contact info and copies of the last 3-4 payments confirming they received them ( attached documents ). Synchrony reports my high balance as {$3500.00} It shows they confirmed the final payment {$710.00}. The original balance I was supposed to pay through the debt consolidation program was {$2700.00} I ended up paying {$4200.00}. I have tried calling Synchrony Bank 16x on several different numbers they had given me and transferred me to only to to get sent to an automatic disconnected dial tone everytime. This is the only other option I have left to resolve the discrepancy. 

They falsely reported on my credit reports that it is unpaid and they are falsely reporting a balance on my account. They actually made way more money than I even owed.
Consumer complaint received 2015-06-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (PA)

I borrowed {$8900.00} dollars and the being reported to the credit bureau is {$16000.00}. I asked why is an inaccurate amount being reported to the credit bureaus, they replied that they are reporting interest just in case the loans carries out to XXXX years. This is a misrepresentation. How could they report unearned interest over time plus principle instead of just principle. Other creditors will assume that I took out a larger loan than I did and it messes up my debt/ratio balance. I want the balance corrected. 


This complaint is against One Main Financial ( a subsidiary of CitiFinancial ) Branch number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA, XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (LA)

On XX/XX/2018 I noticed a Collection had appeared on my credit report. It was opened by Diversified Consultnts. To which they said I owed them {$410.00}. I never did any business with them so I confused as to why they were trying to collect money from me to which I did not owe. I looked through and see that the original creditor is XXXX which confused me more as I still have a active account with XXXX and was never told about this debt or sent any bills for. Upon finding out this information I gave XXXX a call and was told it was from a closed account to which I was told I owed nothing towards after paying my final bill. This collection has destroyed my credit and ruined me from going forward to get a home loan for myself and my family.
Consumer complaint received 2018-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arnold Scott Harris, P.C. (IL)

Each weekend on both Saturday and Sunday the law firm Arnold Scott & Harris bombard my phone with incessant calls attempting to speak with someone that doesn't live here. I have informed them of this on several different occasions but yet they continue to call.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

I filed a complaint with Barclay Card and FreedomPop and I am coming back. There is inaccurate disclosures from BarclayCard and FreedomPop. 
Charge was {$280.00}. FreedomPop agreed to refund {$260.00} and Barclay will cover the {$16.00}. Freedom pop responded with only {$250.00} within 5 business days. 
I also never pre-authorized FreedomPop to charge my card again, they just have my credit card info for the first charge. Any mediation, arbitration, dispute with merchant should be done with myself and the merchant only ... and Barclay should stay out of it. I went through bankruptcy once and I want to stay in control of my expenses. 
I attach my XXXX account with their set up ... all pre-authorized charge, recurring, non recurring ... so the consumer can manage it ... not the credit card provider.
Consumer complaint received 2015-03-28
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

The XXXX XXXX bank raised my monthly payment and keep calling XXXX times insisting to make a payment that is no past due and they giving me an amount that was never reflected on the bills and they charging me for late fees that they removed because XXXX of the payments I made before the due date could not be processed then after that happened I made the payment but now they charging me for an amount that has been never reflected on the bill or never was provided from the representative I spoke with over the phone and they never provided me the amount they telling me now that I have to pay for my next payment.
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-12-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (AZ)

I purchased a bedroom set from XXXX which I finaced that same day XXXX also bought and paid for with my debit card in the amount of {$110.00} a second box spring from XXXX. I received my furniture however the boxspring was damaged so the took the one they were going to deliver and brought the other XXXX later. I paid XXXX $ leaving a balance of {$590.00}. I received my second paper statement reflecting an increase in {$100.00}. I called the bank and spoke XXXX XXXX who said she didnt know why but shows was additional purchase made XXXX. I never went back to this store or any furniture store. XXXX said she couldnt help with the details and referred me back to XXXX. I called XXXX and spoke XXXX XXXX people XXXX they also show I finaced {$1500.00} and paid for the other purchase I was also provided physically a second itemized bill they told me to call the bank again which I did and was told I made second purchase XX/XX/XXXX for {$99.00} I asked to speak with a XXXX because I clearly am getting the run around from syncrony so the man said he would dispute this for me if i like, of course I request the dispute and a month passed I have now received another itemized bill and was told I signed it it is my signature. I called XXXX in finance whom will nit return my calls.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

I been dealing with the promotion with synchrony bank ( XXXX XXXX credit card ) sincei made a purchase on XXXX XXXX 2015 with a promotional period of 36 months with 0 % APR and, they duplicated my purchase so I been calling every single moth in order to fix this problem once for ever, and I believe I a victim of an scam by this institution because I did only one purchase for {$3300.00} on XXXX XXXX 2015 no other ( of {$2400.00} ). 
I m sick and tire speaking with synchrony bank customer service and they did nothing about this problem that is affecting my credit and my minimum payment agreed as the promotion offered. 
thank you for your attention in this matter
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

this is a follow up to this complaint XXXX we were never given the option to modify this loan. we were steered into a deed in lieu then were told that they would do a short sale and take care of all the liens on the property. they knew about the liens since XXXX of XXXX since that was when the initial title report was pulled. we were run around in circles and provided a short sale approval with XXXX liens. we assumed that the lender took care of this but to our dismay it was not. then we were told that once it got under contract that then the lender would work the liens out. i have correspondence going back to XX/XX/XXXX trying to work this out. if we could have modified this loan we would never have moved out but we were never given that option. we were told by the previous rep that it was all go ahead for the deed in lieu and we would be obtaining a deed in lieu. the current rep stated the the house was schedule to go to sheriffs sale on XX/XX/XXXX. we have n't had any correspondence with the lender since the buyer of the property withdrew. i dont understand how they could provide us a short sale approval with {$XXXX} in liens against the property when they knew for well over 8 months that liens were on the property and they stated they would work on them to get approval then turn around and say you cant get a deed in lieu due to liens.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion has me stated as having an account with XXXX that is supposed to be deleted from my credit file. The account was closed on XXXX XXXX, yet Transunion claims that the last date of payment was in XXXX ... which is incorrect and not even possible. Why would anyone pay on a closed account? I spoke with a representative at XXXX Bank and they say the information is correct and they TOLD Transunion and they still have not deleted it. If the account in question was closed in XXXX XXXX, then the date of first deliquency had to me months before, meaning past seven years. On XXXX ( which is owned by Transunion ) they even state themselves the account was closed in XXXX.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To whom it may concern, I am being hit with a hard inquiry on on XX/XX/2018 from capital one which was not made be me and was 100 % fraud. This was not authorized by me. I called capital one regarding this fraud and they put on with there higher representatives.

I was told this was gon na be removed from my file and now months later I still see it on file. Again this was not made by me and I can answer any security questions about myself to prove that I am myself.