davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (VA)

When my husband and I needed to replace our home 's heat pump two and a half years ago the company replacing it offered financing through Synchrony Bank as an alternative to paying up front. After a little over two years we decided to take out a personal loan through another bank and one of the conditions of the loan was that we pay off the balance that we owed on the Synchrony loan, about {$2000.00}. The bank gave us a check to send in to Synchrony, which we did, XX/XX/XXXX. Since it was close to the due date for the loan we also logged in online and made our monthly payment, figuring we would get a credit and they 'd send us a check for the overage. I called Synchrony to let them know about the situation and was assured that it would be resolved within 10 days of them receiving the check. When the credit did n't post as expected, I began contacting Synchrony. Over the last two and a half months I have called Synchrony over a dozen times and been told everything from, " it looks like someone is working in your account right now, so that is probably the check being deposited, '' to, " We have no record of EVER receiving a {$2000.00} check (! ) '' I gave them every bit of information they asked for, including faxing in the cashed check showing that they had deposited it XX/XX/XXXX. Every time that I called they told me a longer processing time to receive whatever information I 'd sent and once that time frame had passed they implied that it was my fault things were taking so long for not following up sooner. ( I faxed something in on Monday and called to let them know to expect it, they said it would take up to 24 hours to process into my account. On Tuesday it was, " it takes 24-48 hours, '' on Wednesday it was, " It usually takes 72 hours, '' on Thursday it was, " If you faxed it on Monday why are n't you calling until now? '' ) It was not until I threatened to just have a lawyer handle the entire situation that I was finally transferred to a proper manager, who was able to find the payment within minutes. I ca n't help but think that they must be milking XXXX other people, most of whom do n't have the option of turning it over to a lawyer and just end up getting bilked out of doubled payments or late fees on something they 've already paid in full for.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (GA)

I am filing a complaint about Synchrony Bank. On XXXX/XXXX/16 I sent an email cancelling my amazon.com store credit card. Synchrony Bank supplies credit for amazon.com. The email address was found on an email from Synchrony Bank. I supplied my name, the last XXXX digits of my acct, the name of the card, and the reason for cancelling my acct. I also contracted to pay the remaining balance on Wed., XXXX XXXX when I received my social security benefits. I received no reply - no message about the correct way to cancell, no correction to email address, nothing about who I should contact. No message from customer service offering to assist me. No message saying I had to pay prior to the XXXX anyway - I would have gone without my XXXX medication to pay them. I know that the email was received - no error message, no returned emails, etc. After numerous attempts to contact the bank at both the statements and customer service depts ( XXXX, XXXX, XXXX, XXXX, etc ) on XXXX XXXX I went online and found that my acct had not be cancelled and a late fee had been added. I want my amazon.com store credit card acct cancelled. I want the past due charge of {$25.00} dropped. And, I want a guarantee that I will receive no further past due charges while in dispute.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (OH)

Under the Fair debt collection practices act as well as the Fair Credit Reporting Act my rights have been violated by XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, OH XXXX 1. ) 15 U.S. Code 1681C ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

2. ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

3. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.And they do not have my permission!
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (PA)

My mortgage was given  to 21st Mortgage Company, which is a loan servicing agency. My loan went into default and I went through the Court system and Housing Agency to save from foreclosure. I have not received any monthly mort gage statements from this company since  XXXX   XXXX . They change my interest rates ever time I speak to them. T he Housing Authority faxed them letters from me 1. Requesting  permission for them to speak on my behalf an d 2. Re questing monthly mortgage statements to begin again. That was on  XXXX   XXXX ,  XXXX . As of now, no statements received. Their story, as well as people, change ever time I call them. Now I do n't know how much my mortgage payment truly is and where payments have been allocated. I need assistance with this matter.
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I purchased appliances from Conn 's with a 12 month cash option. The loan debt was effective on XX/XX/XXXX and was due to mature on XX/XX/XXXX if normal payments of {$99.00} were made but my goal was to pay in full to receive the cash option. I made all of the payments ahead for time and my final payoff of {$200.00} was recorded on XX/XX/XXXX which was well within the 12 month cash option. Please note that I call Conn 's to receive my final pay off amount which was {$200.00} but they are claiming they have no record of the conversation. Conn 's has rejected the cash option because they claim I had multiple late payments but the loan ledger shows otherwise. Please help me. Thank you.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (VA)

My name is XXXX XXXX XXXX and I am XXXX. My XXXX number is ( XXXX ) XXXX and I have been XXXX since XX/XX/XXXX. The business is located in a brick and mortar store which I own with no loans or mortgage and the location is XXXX XXXX XXXX, XXXX, VA XXXX. My complaint is about a problem with a Lowes business account of ours, an account that we have had since XX/XX/XXXX. The problem started as a result of a failure of Lowes automated credit card service ( an IT programming problem ) that has resulted in our credit limit being reduced by XXXX % through Lowes. In our attempt to get the credit limit reinstated Lowes tells us that after 22 years with this credit card they can find no valid information that we exist, have a valid location, and they can find no credit information or credit report on us in which to reinstate the credit limit - Very curious because Lowes provide this credit card in XX/XX/XXXX along with original credit limit. As a result of all of this all of the Lowes ' credit underwriters are talking in circles without saying facts other than " try back in 90 days for a credit increase '' - What?
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (CO)

Synchrony Bank contacted me as a result of a complaint I filed last week. My complaint dealt with how they allocated all of the additional payment on my Care Credit account to the interest-bearing purchase and none to the soon-to-expire promotional purchases. I had to call XXXX to get the allocation changed which took about XXXX minutes each time. When the representative called me, she explained that the legislation passed in XXXX required them to allocate any overpayment to the balance with the highest interest. Since the promotional payments had no interest if paid off in time, they had to credit the interest bearing purchase. I believe this is a technicality or interpretation that Synchrony has made that enables them to profit from the accrued interest on interest-free promotional purchases and was definitely not the intent of XXXX when the consumer protection legislation was passed.
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (DC)

On XXXX XXXX, 2016, I authorized a debit from my account with my Walmart Credit card, in the amount of {$75.00} for the due date XXXX XXXX, 2016. I was leaving XXXX for my vacation last XXXX XXXX, 2016. I decided to mail a check for my XXXX XXXX due payments in the amount of {$75.00}. When I arrived after my vacation, They wrote me a letter, applying the check for XXXX XXXX due payment. Instead of my XXXX XXXX due payment. The balance instead of deducting my payments, it was even increased. For three months I was not using the credit card. Now my balance went up again because of the penalties, late payment as they claimed. I called them three times, to no avail, they are insisting on what they want. I wrote a letter requesting them to reconcile their records and waive the penalties and late payment they slapped on my account.
Consumer complaint received 2015-06-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (IL)

Account # 1 $ XXXXBalanceXXXX SYNCHRONY BANKOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXAccount # XXXX $ XXXXBalanceMEDXXXX HOSPITALOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXAccount # XXXX $ XXXXBalanceXXXX XXXXOriginal Creditor XXXX XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXthese accounts was open due to fraudulent activity and results in police report
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (KY)

Applied for credit through the entity " Barclay Delaware ''. I have been refused credit for reasons i do n't see find satisfying ( XXXX 2015 ). After that i believe without consent or disclosure i attempted to open what i believed to be a XXXX and XXXX card which was also declined ( XXXX 2015 ). I have a concern about their ( Barlcay 's ) client disclosure policy. I believe, they are in violation of the federal law ( Fair Credit Reporting Act ) which prohibits them from collecting sensitive information ( Country of origin ) on ( All credit card applications ).
Consumer complaint received 2016-06-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (NJ)

I requested a bi weekly mortgage payment with quicken loans which began XXXX XXXX 2016 when I went on line to check to see that the payment was applied I noticed that as of XXXX/XXXX/2016 they had put the payment into suspense. When I inquired about it they told me that the payment would be applied on XXXX XXXX, 2016. I believe this is against the law as the payment should be applied effective to the date received. My call was forwarded to a XXXX XXXX at the executive office who initially informed me that this was disclosed to me, I said it was not, she subsequently rescinded that statement. I ask that the CFPB begin a regulatory inquiry into this matter, if people are paying on a bi weekly basis there payments should be applied that way.
Consumer complaint received 2016-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bleier & Cox APC (CA)

XXXX XXXX, XXXX and her law firm, Cox and Bleier are attempting to sue for " legal fees '' they claim where accrued while trying to collect on a debt for plaintiff, XXXX XXXX ( XXXX ). Originally, the debt went to collections in XXXX and was bought/transferred by several different agencies and attorneys over the years. Bleier purchased/acquired the debt recently from XXXX XXXX XXXX XXXX, and is now suing for legal fees, they say were ratcheted up while representing XXXX. XXXX did NOT hire XXXX XXXX, according to the conversation I had with an XXXX representation, soem time ago. Neither firm is the original collector. Bleier recently subpoenaed my bank statements on XXXX/XXXX/XXXX in an effort to move forward on the phony suit. Her office is using predatory practices to obtain money from those who fell behind on their bills and found themselves in debt, years ago, when the economy fell. The debt is over 7 years old and the statute of limitations have passed for this debt. They have no right to collect on any fees and did not represent XXXX in any fashion.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (IL)

I am a XXXX. Bought a home in XXXX, and have NEVER been late with a mortage payment in 20 years. I called Ditech ( the current bank who holds my loan, since it has been sold to XXXX different banks in the last few years ) to request the {$5000.00} " XXXX '' incentive and to discuss refinancing my loan on XXXX/XXXX/XXXX. Since then, I have called on several occasions ( too many to list here ) to see where I was in the process. Ditech has given me the run around, sent more paperwork for me to fill out, placed me on hold incessently, transfers me to other agents, and I NEVER receive an answer. During XXXX conversation with a male agent, on XXXX/XXXX/XXXX, the agent told me they were holding the {$5000.00} incentive, and instead would give me that performance incentive as well as another {$5000.00} XXXX XXXX incentive next year in XXXX. I knew that was not part of the incentive program, and not true, and they were just putting me off once again. After five months, I still have not received conformation that I will receive the " XXXX '' incentive of {$5000.00}. 
What is a consumer such as myself supposed to do? The time is almost up for the program, and after 20 years of faithfully paying my mortage on time, Ditech has effectively put my request on hold until they can say, " too late ''. I have done everything they have asked of me. Please help me.
Consumer complaint received 2017-01-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC (GA)

Tuesday, XXXX/XXXX/XXXX In XXXX XXXX I bought a home in Georgia ; this is my primary and only home. The mortgage is with 360 Mortgage XXXX ( XXXX, TX ). I have several concerns, one being my escrow account has started with a deficit every year since I purchased the home, despite the decrease in property taxes and hazard insurance by about {$95.00}, and the increase in mortgage payments last year to cover the XXXX shortage. Also, in XXXX XXXX I notified the mortgage company that effective this year, I am eligible to take advantage of the Georgia school tax exemption. 

On XXXX XXXX, I called the mortgage company to ask for an explanation about the yearly deficits in my escrow account despite the decrease in taxes. I was told an early insurance payment ( paid in XXXX instead of XXXX ) caused the shortage. Here are my questions : 1. The increase in my mortgage payment last year was to cover XXXX taxes and insurance for that year regardless of when the insurance was paid. If the XXXX analysis of the escrow account was accurate, why did the early insurance payment cause a XXXX shortage? 

2. An analysis of my account was performed XXXX/XXXX/XXXX, but I am not convinced that the decrease in my taxes and insurance was taken into consideration. How can I be assured that it was? 

3. What other factors could drive my escrow balance to be short every year? 

4. In addition to the lesser taxes, will the school tax exemption help lower my monthly payments? 

5. Based on my conversation with the mortgage company, it sounds like the difference between the higher XXXX and lesser XXXX taxes were not applied to escrow. Is there a time frame the mortgage company has to issue me a check for the difference? 

Another concern is regarding the XXXX Form. As of year-XX/XX/XXXX, my mortgage balance was about {$2000.00} less than the amount the mortgage company submitted to IRS. They explained two XXXX forms are submitted to IRS and the second one will have the correct mortgage balance. Is this normal practice and if so, why? 

I look forward to a response.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (NJ)

We were contacted by telephone on Friday XX/XX/2017 XXXX ( EST ) by a representative named XXXX from who informed us that they are reducing our credit limits on our XXXX Chase credit cards because our XXXX debt to ratio was too high and they are considering us a financial risk. We have had these open accounts with Chase for over 2 years - our business credit card with them is over 5 years and they choose to reduce this credit limit also - when it is not even reporting on XXXX report which they said they used to make the determinations. They sent us letters on the credit limit reductions on XXXX of the credit cards but have not to date sent us any letter regarding our business credit card. They claimed to have used XXXX with this determination but how could they if the credit card is not even reporting to XXXX? The reasons they outlined in the letter to us were ( 1 ) rapid increase in revolving balances ( they were not with our Chase cards ) ( 2 ) Balance owed too high ( 3 ) Business Bureau shows PAST DUE HISTORY ON XXXX OR MORE ACCOUNTS. This is a lie and we have demanded them to show us the negative history at request they have yet to comply with - We have contacted XXXX and they have NO NEGATIVE PMT HISTORY - all of our accounts are in good standing - we pay more than the required monthly payments each month to all of our credit cards. This action has created a negative mark on our credit, especially our business. These people lied and continue to lie about the reasons for their actions. We will never do business again with Chase Bank or have another credit card with them. We are considering taking legal action as we feel " violated and insulted '' - we could understand the action if our accounts were delinquent or late payments but we have NEVER had a late payment on any of our credit cards. THESE PEOPLE LIED! 
We are demanding the lies be corrected - they can keep their credit cards - we are in the process of closing all of them. We want all communication in writing from Chase - NO PHONE CALLS. We want them to comply with our request in writing about the negative payment history they claimed to have used for this action. We have never had a credit card company reduce our credit limits and call us and DEMAND to know when and how we are planning on taking care of these balances - how dare they when the accounts are in good standing and we are paying more than the minimum payments each month. We want someone to listen to the recorded conversations we had with this chase department on XX/XX/2017 ( XXXX and XXXX ) and again on XX/XX/2017 with XXXX. These employees should be fired for their attitudes and customer service.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (FL)

We are buying a place in a XXXX. We are XXXX residents but spend a few months in the summer XXXX. We wanted to get pre-approved for a mortgage. We choose PNC since it has offices in XXXX places. We have perfect credit and no debt with XXXX scores of XXXX. So we had problems from the start. Our banker never seemed to know what was happening. He would be sent documents from us or our lawyer and not know he had them. He would promise to call with updates and not do so. He would never know the whole story. PNC picked an appraiser that did not live in XXXX. The appraiser did not know the community. Even though our property was considerable lower in price that comparable properties, the appraiser stuck to his/her position. The banker finally filed paperwork concerning the appraisal but told us it would delay the close. The discrepancy of appraised value to sale price was XXXX 1 %. Another independent banker and a lawyer told us the amount that can be borrowed is 80 % of the sale price or appraised value, which ever is lower. PNC bankers were insisting the contract be changed. Again the banker appeared to be clueless. We are now working with a much more responsible lender. We are only sharing this story in the hopes that other consumers become aware and AVOID PNC.
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (OK)

My ex-husband and I held a joint credit card account. When I applied for a loan recently, it was brought to my attention that this particular account was overextended and in default. My ex-husband was responsible for closing this account and opening a new XXXX after our divorce, thus removing me from it entirely. Since he has not, the status of the credit card is adversely affecting my ability to purchase a car or a home, which I plan to do at the end of the year. I paid the account off in full in XXXX before our divorce was final in XXXX.
Consumer complaint received 2016-03-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

The Us Bank operations ctr. XXXX XXXX mn. XXXX, Phone : XXXX have a report on my chexsystems record saying that possible false information used in opening an account. I used my proper and legal identification opening this account. The U.S. bank closed my account and took the funds I had in my account