davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (MD)

I had a Barclays Bank Credit card which was charged off. The account is one of the only dbad items on my credit report so I took a closer look at it. On all my credit reports there are some differences in the way the account is reported. I have disputed this account with all XXXX credit bureaus and Barclays has verified all the information is correct. How can it all be correct when I can see some differences on the report? 
I was particularly interested in the last payments of the account. If they are wrong about my payments then maybe this account is affecting my credit when it should not. I called Barclays Bank at XXXX ( the number on my credit report ) and referenced my account with them on XXXX/XXXX/2016. I told the customer service representative that I was checking on this account and wanted to see what their record stated as far as the last payment made. She told me that she had no records of the payments and placed me on hold. 
She came back on the phone and told me she did n't have any payment records and I needed to contact XXXX XXXX XXXX about the account and they would surely have my payment information. I contacted XXXX XXXX XXXX ( I presume a debt collector ) at XXXX and the gentleman verified again who I was and could not find my account or my payment information. He suggested I contact Barclays. 
I called XXXX and I explained what happened and she suggested I dispute the account. She even did it for me. And on XXXX XXXX, 2016 the account was again validated by Barclays Bank. Even though as far as I know, they no longer have my account information or at least any of my payment information - the important stuff.
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (FL)

In XX/XX/XXXX XXXX discontinued its credit card affiliation with XXXX and moved it to Barclay. First we pay all credit cards in full each month. When the conversion took place there was no balance due XXXX, however we did have a disputed item for a medical bill with XXXX for {$1000.00} which we have since been reimbursed for by our health insurance provider and Barclay has been paid too. 
As of XX/XX/XXXX this matter is still not resolved and Barclay says we owe them {$3100.00} which includes interest charges. For one year I have asked for details and NONE received, I have written directly to The Office of the President and they have not resolved the problem. I have tried almost 20 times to get this matter resolved!!!!!!!! 
In the mean our credit rating has dropped several points. 
How can you help?
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NC)

Early in XXXX 2015, the XXXX or XXXX we received a call from XXXX that they had a question about an order placed by XXXX XXXX requiring XXXX packages and charged to our PayPal ( XXXX Bank ) credit card. We immediately informed the caller that we never placed the order and an email address provided by the buyer XXXXXXXXXXXX ' was not XXXX of ours. The caller from XXXX said she would issue an order to stop the shipments. We immediately called the credit card bank through PayPal and the card was cancelled and told a new XXXX will be issued. They noted our complaint of card fraud and said they would investigate. This was a representative in XXXX. 
We received a letter dated XXXX, 2015 from XXXX bank, a copy enclosed, stating they did not find any unauthorized purchases and this is after we identified these fraudulent charges to both XXXX and PayPal. 
Recently when time permitted we again contacted XXXX who confirmed the XXXX of the shipments were intercepted before delivery and returned, but XXXX shipped XXXX by XXXX. shipped on XXXX XXXX, 2015, even though already reported fraudulent, and delivered via rerouting request to an address in Texas. Tracking information from UPS and XXXX confirms this. A report of this fraudulent activity has been submitted to the XXXX, NC police department. 
We are concerned with the lack of assistance from PayPal to investigate properly and help to identify the criminals involved. They have apparently decided it was not their responsibilty to assist to get these charges removed. I believe the PayPal response to our report falls into an area of non ethical or even dishonest business practice. 
XXXX has removed and charged back the charges and will further investigate the address of the recipient of the fraudulent merchandise order. 
We have cancelled this credit card and resolve not to deal with this company-bank any longer.
Consumer complaint received 2020-04-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (SC)

This is Quicken Loans XXXX XXXX XXXX XXXX Michigan XXXX On on XX/XX/2019 I closed on a FHA refinance loan and During closing my escrow had 12 months of my homeowner 's insurance put into it and I had 10 months of my taxes put into it due to the fact that after closing my homeowner 's insurance was due two months later on top of a payment of XXXX for XXXX well here in XXXX and they did an escrow analysis and they're telling me at the time of closing it was {$1500.00} and some change in my escrow which isnt accurate they're supposed to been {$2400.00} in my escrow I did call them and they're trying to give me the Slick salesman. And talk away from the issue on top of that I refinance FHA loan and my MIP we're supposed to be refunded back to me and that was supposed to been taken off of The Upfront mortgage insurance premium and they never deducted it off of that so that disappeared and I don't even know where that went there legally trying to steal
Consumer complaint received 2016-04-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE (UT)

I opened a Barclay card account and ordered a card for myself and an additional card for my spouse, when my spouse card arrived the paper receipt with his card had the entire card number printed on it, which I think may be a FACTA violation, I know retailers can not print more than XXXX numbers of your card on any receipt so I find it unsettling that a card company would print the whole card number on a receipt, this was not a bill or statement it was a receipt that came with delivery of the card so really was no reason for the number to be printed on the paper, as it is printed on the card. Printing the whole card number on a paper just makes it one more security issue, so I am thinking do I keep the paper for records and risk anyone ever finding my card info, or shred it and hope that no one can piece it together and steal my info, so now I 'm saving the paper and just purchased a large locking file cabinet to try to keep this and other papers locked up so this card seems to have already cost me XXXX bucks and how can I expect a retailer to keep my info safer than my card company is willing to, it is all very disappointing. You get a credit card for security, but now instead of feeling more secure I just feel like I have one more thing to worry about .Tried to contact Barclaycard , as soon as I mentioned FACTA violation I was placed on hold and then they hung up on me.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (MO)

Sams Club MasterCard advertises XXXX % cash back on all purchases, w/ XXXX % on fuel, and XXXX % on dining and travel. For my statement ending XXXX/XXXX/17 I had purchases totaling {$4000.00} and yet they awarded me a meager {$27.00} in rewards. They 're not following through with their advertised promises. Not only that, I 've been a plus member for years & that 's supposed to get me even more in cash rewards.
Consumer complaint received 2016-04-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

Called into Hyundai Motor Finance on XXXX/XXXX/16 - to question why Hyundai Motor Finance has me XXXX days deliquient on my car payment. Stayed on hold for 15mins. Hung-up, and called back. Customer Serv Rep by the name of XXXX answered call. Explained to her that I am not 58 days past due according to my own records. She explained that I made partial payments for XXXX & XXXX. I explained to XXXX my records indicate me sending in more than my monthly payment each month. She explained that I have unpaid late fee 's and that the overage payments are not being applied to the late fee 's. She explained I need to call into Hyundai Motor Finance after each payment and advise them to apply my payments to late fee 's. I asked her to apply my payments to what I am billed. She said she can not reverse the payments and re-apply. I asked to speak with a manager in which she explained the Manager ( XXXX ) said she could not re-apply the late fee 's.
Consumer complaint received 2016-05-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (IL)

I received a collection notice for {$1500.00} from Simon 's agency Inc. dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I notified them that we are disputing the validity of this debt as : 1.We were billed for services not performed. 
2.We did not authorize some of the services that were performed. 
3.Some of these charges are for fraudulent billing. Simon 's agency has been notified about this. 
4. My insurance and I have already paid them about {$1600.00} Instead of providing us the requested info Simon 's Agency reported this amount to credit bureaus XXXX as " unpaid '' and " collection '' in an attempt to damage my credit report. When I wrote back to them they informed me that they have reported the account as disputed. However, none of the credit reporting agencies is reporting the account as disputed. 

In spite of my repeated requests Simon 's Agency has not properly investigated this matter and has not provided us the information that we requested. I last wrote to them on XXXX/XXXX/XXXX. 

As a result of misreporting of this information to credit reporting agencies My credit score has dropped by about XXXX points.
Consumer complaint received 2017-02-06
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: LDF Holdings, LLC (AL)

I lost my job in XXXX. I paid XXXX and XXXX and the first payment for XXXX but was unable to pay the second installment for XXXX. I received an email notice of the missed payment on XXXX, which I responded to and received a very cordial response. The day after the email conversation, the phone calls began, up to XXXX calls a day. I have tno is explaining to them even sending a second email stating that I would pay no later than XXXX XXXX, as I have gotten another job with a start date of XXXX/XXXX/17. I finally sent a Cease and Desist email XXXX and another on XXXX after the calls continued. The calls have began this morning again.
Consumer complaint received 2016-06-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (GA)

I have gotten a car from drivetime 2 and a half years ago and never missed a payment what so ever. Then I had a animal accident and it got totaled. I went back to get another car from them because I enjoyed their vehicles. And I got a XXXX Kia forte it was just perfect until 2 to 3 months later. Bolts are hanging out of my engine, my transmission started slipping and my electrical wo n't work properly. This car has turned out to be a lemon. But I 'm in XXXX on this car. So I tried to use my warranty. And they demanded to make me pay for diagnostics when I just got the car and I refused. Day after day it was arguments. Until the next week. They finally waved the diagnostics. So I got my car up to aamco to gethe it done. Well XXXX said they ca n't fix it but they see what the problem is only a XXXX dealership could fix it. So I got it to XXXX dealership, and do n't make me get started on how they would n't give me a car to borrow in the mean time. They sent me to XXXX and XXXX but theyou were charging me XXXX to almost XXXX dollars just to get one. So I refused until I got a car I could borrow to hold to work. Next after I got it up there to them it took the 1 and a half weeks to do the diagnosis. Then it sat because a XXXX and drive time was not communicating to get the diagnosis paid for. It took 2 to almost 3 weeks to get it paid. Then they wanted me to take it to a different XXXX trying to be cheap on the prices when I got XXXX with a XXXX loan I should have a good car. Anyways before that XXXX came to pick it up and the dealership would n't let it go because they said they have n't received any payments from drivetime. Whoa really? I waited 3 more dayes to get it actually a paid for so they can release it. Now I'must waiting for aamco to pick it up AGAIN.. I 've been calling all month telling the company I just can not make a payment on a vehicle I do n't have and I just got and it 's messed up. They told me it will be reported to the credit bureau and mess my report up. I 'm starting to look for a lawyer. Or work out something with the company. I should be able to walk away from a horrible situation Like this.
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (FL)

Went to XXXX and purchased a bedroom set with their 12 mo same as cash deal though Synchrony Bank. I made equal payments on time each month and payed off the original amount of {$2300.00}. The following month they send a bill for {$800.00} plus and for the 33 % interest plus Card Security charges and late fees. I never authorized any card security protection. I feel this is a scam against consumers and want this account cleared of all interest, card protection and late charges. 
Thank you
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: SYNCHRONY FINANCIAL (CA)

I received a letter from XXXX dated XXXX/XXXX/2017 in regards to my initial dispute with invalid personal information, invalid credit reporting, and inadequate reporting that was simply copied and paste from credit report. For example, the XXXX account 's date updated and Loan Type on the investigation report is different from the credit report. I requested to remove both accounts from my credit report. Especially, the XXXX account that has been closed for more than seven years closed without a balance. Also, my personal information was entered incorrectly, which I requested to update yet they failed to update my information. Hopefully they will comply with your department. Thank you.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (CA)

Purchased goods at Sam 's Club ( Walmart ) on XX/XX/2015 for {$100.00}. It was posted to the Sam 's Club Mastercard the same day. I returned goods totaling {$83.00} onXX/XX/2015. The credit has not posted as of XX/XX/2015. Given it is Friday it wo n't post until next week. The store Manager does not have access to the information but suggests it may take 1-2 weeks to post. By delaying the posting of the credit to my account and thousands, perhaps XXXX of customers, Walmart 's is enjoying XXXX of dollars in " UNDUE ENRICHMENT '' for using someone else 's money. This is unethical, if not illegal, behavior. Consumers are being victimized in several ways : ** Excessive interest charges caused by the delayed posting, most cards charge interest based average balances. Credits are not back dated to day of purchase. 
** Loss of available credit under the line ** Overstates customer 's account balances to credit reporting companies which may adversely impact their credit score
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Arbitration — 
Company: BARCLAYS BANK DELAWARE (NY)

My XXXX XXXX XXXX XXXX Credit Card was recently changed to a XXXX Card from Barcalycard and I was required to sign a contract with a FORCED ARBITRATION CLAUSE if I wanted the credit card. I sent them a letter asking to opt out and still get the credit card, but never heard back. This violates my rights by blocking me from suing if there 's a dispute. Also, there 's no right of appeal, no public record, no requirement to follow established law. It 's a consumer ripoff! Please stop this and enact rules to end this practice. Thank you. I look forward to hearing from you.
Consumer complaint received 2016-10-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (LA)

I have had several loans with Conns and this month I was unable to make a payment due to having a baby and a miscalculation while paying my bills. I called 3 days before I was due to let them know I was unable to make a payment until the first because we are on my husband fixed income ( va XXXX ) that he receives once a month. I was told that I would have to let my account go 30 days past due to receive any kind of help and they call me everyday, and every hour if I do n't answer, to ask me the same set of questions. They tell me to ask family members for help paying. I feel as if I am being harassed for having one late payment because they have been doing this for the last 10 days with only a one day break.
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

Continuation of Case No : XXXX-Ditech Financial LLC Ditech did not honestly address the issues in my original complain beginning with the charges added to my bill for " repairs '' and they continue to fraudulently add charges each month for " repairs '' and/or " utilities '' that are not actual charges incurred on the property. I have attached my billing invoices from Ditech to show the charges each month starting with the XXXX statement showing the charges to prove the amounts they have charged. I have also attached a copy of my Alabama XXXX billing statement to show a complete summary of how much my monthly charges have been up through XXXX when Ditech called them and took over billing for the power on the property. My Alabama XXXX monthly charge has not been over {$39.00} since the home has been vacant. You can see that on this invoice beginning in XX/XX/2016. Ditech has NEVER paid for the Water/garbage on the property and I recently had the water turned off to the property and closed that account when Ditech informed me that they had the property winterized. I do n't know if they have actually winterized the property or not because I am 3000 miles away but since I have been told by a neighbor that there was a sign on my door that it had been winterized I am assuming it has. ( Although XXXX informed me that they were never contacted by anyone to winterize the property or turn off the water to the property by anyone other than me ). As you can see by the Ditech statements beginning with the XXXX statement and ending with the XXXX statement, I have been charged a total of {$1600.00} in additional charges labeled as " repairs '' and/or utility fees. I still have not received any invoices for these charges and I have asked for them several times. 
Also my deed in lieu has been approved and all additional liens that were showing on my home were cleared up within 1 day by me once I was informed that they were showing on my title. I also had all remaining articles removed from my home that Ditech stated they would charge me {$250.00} to remove at closing which was supposed to be on XX/XX/2016. The only thing I have heard from Ditech was that they were having trouble with XXXX and the negotiation of my second loan because they would not accept the {$2000.00} that they were offering them to settle their $ XXXX loan. I have been given no other alternatives and I have been told by XXXX ( the loan company for my second mortgage ) that the representative from Ditech has only called them 1X to discuss any type of settlement. Again, the communication with the mitigation representative ( XXXX ) at Ditech is unacceptable. I only received call backs the first week after my first complaint to CFPB. I need this resolved. I demand a NEW mitigation representative who is dedicated to resolving my deed in lieu and my negotiations with my second mortgage company. I demand answers. I demand integrity. These additional charges on my account are fraudulent and need to be investigated!
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC. (FL)

In XXXX XXXXXXXX advised I had XXXX open accounts, XXXX accounts that ECMC claims they represent XXXX on XXXX represented by XXXX. Ecmc garnished wage w/out notification, said they mailed letter but had no proof, told me I was not eligible to contest garnishment at all, later found out I could contest but it would not have stopped the garnishment at that point. ECMC sent a breakdown of my XXXX loans to me. Shortly after contacting ombudsman and getting response in writing regarding ECMC 's XXXX debts, I received another letter from ECMC of my XXXX loans and this additional loan was now on my credit report and XXXX. How did this extra debt get added 5-6 years after I left school?
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

After going through repeated phone calls and asking them to stop. They are still call my house phone as well as my wife cell number. This issue is causing great dismay with my family. I keep telling them our situation has not changed and the time we are using to make it work is being blocked by the repeated calls ( harassing ).
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

Greentree Mortgage has denied me a loan modification reducing my interest rate, without going thru the proper review process. I submitted their form on XXXX XXXX, theuY denied the modification with a letter dated XXXX XXXX, never asking for any documentation. The letter sent to me on XXXX XXXX stated that all documentation was complete! This is a loan shark operation, my mortgage was sold to them by XXXX XXXX XXXX 2 years ago. I have been modified on other loans based on reduced income, I just think Grrentree operates on a shady mode!