BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-22
Company: Netspend Corporation
State: MO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a PayPal card and put {$80.00} on it and went to activate it and I was prompt to call the number on the card whenever the company opened up at XXXX XXXX in the morning. So I did and they said there was an issue with my card that it was blocked. I was given the run run around and denied to be transfered to supervisor ; I waiting 20 minutes only to be disconnected from the first phone call ; then an hour the second one; finally I had a representative get on from the fraud department and she was extremely rude. Would not explain anything in detail and would not even listening to anything that I had to say. She just told me that although I had bought a PayPal card, It was XXXX XXXX  that I was transferred to and I had an account from the past and so therefore, for some reason unknown, she wouldn't tell me, I was being blocked altogether from my card that I just purchased. There was no way that they could refund me money right then and there. I explained to her. I was in the ice storm and on the side of the road until I got gas. And she didn't care. She was just extremely rude and said that I was no longer ever allowed to have a XXXX  account again. And then she just hung up on me. And so I called back again for the third time and finally talk to the PayPal people, and they couldn't figure anything out. They put me on hold and nobody ever got back on the phone again. I'm trying to get this resolved they're refusing to give me any information that is attached to this, any documented entries on the account. Everybody 's been very rude and very wishy-washy and saying one thing, and then just leaving me on hold forever. I really need my {$80.00} back from the PayPal card. Also, although the lady couldn't stress enough that I was no longer ever allowed to have a XXXX XXXX account, they still decided to use my information and go ahead and send me emails stating that I qualify for a XXXX  account. So now I'm just having junk email come in that I can benefit from.

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 2024-01-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX Note : Synchrony will not return our call. This is the only way to get them to communicate.

We had mailed Synchrony Bank a certified letter on XXXX XX/XX/XXXX that they received on XXXX XX/XX/XXXX telling them to not open another card in my name. I have never activated any Synchrony credit card and close them as soon as they came in the mail. Last year we locked down our credit in an attempt to stop Synchrony from doing this ever again. 
XXXX XX/XX/XXXX Synchrony e-mailed us the enclosed. We did not have a card to report lost or stolen and Synchrony did not send us this new card # XXXX. We dont have a phone number on the card that I dont have, to call and have it closed. Synchrony did send us a statement for this card # XXXX, ( enclosed ) we received it on XXXX XX/XX/XXXX. 
The statement says it has a {$30.00} credit that was transferred from the previous card # XXXX, which had a {$0.00} balance ( see enclosed ). It was never activated and we had it closed. It says it has a {$9000.00} credit limit and {$0.00} available credit. We do not know who they sent this card to, but we did not get it. 
There was no {$30.00} credit on card # XXXX to transfer to card # XXXX. Did they make up this credit to get past our credit lock down? The final statement for card # XXXX, XX/XX/XXXX shows {$0.00} balance, not a credit of {$30.00}. 
We have never filled out an application for a Synchrony credit card, a business opened one in XXXX of XXXX and a scammer fraudulently charged to it. When we asked for a copy of the application, Synchrony said there isnt one. 
Card # XXXX has a {$0.00} balance as the business credited back all of the money that was fraudulently charged to the card. Synchrony had credited back the {$29.00} fee to open the card on the XX/XX/XXXX statement but still denied our fraud claim and will not correct my credit report. 
Solution : Synchrony- Tell me who you mailed card # XXXX to. 
And where you came up with a {$30.00} credit to transfer to the card # XXXX from a {$0.00} balance on card # XXXX that was closed. 
Stop fraudulently opening cards in my name. 
Stop ignoring me, as you have my phone number, e-mail, and address. 
Fix our credit report. 
Documents : E-mail from Synchrony re : lost card XXXX XX/XX/XXXX XXXX XX/XX/XXXX card # XXXX XXXX XX/XX/XXXX 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 2023-11-27
Company: Dave Operating, LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I contacted Dave last Sunday because I received a call that my granny was in XXXX. I reached out to them to ask that they delay my payment so I could go to Illinois to see my XXXX. They stated that they were unable to grant my extension so I spoke with family and was advised to revoke the ACH ON my account and just mail the payments in to pay off. I contacted them and asked them to revoke the ACH/Debits from my account but they continue to attempt to debit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I have a mortgage with Nationstar Mortgage LLC DBA Mr. Cooper. Around XXXX of XXXX   I received a paycut from my current job and have become unable to make my mortgage payments. I have reached to the Company numerous times to explain my situation but they quickly mentioned eviction without even suggesting how they could assist or what can be done. I had to pry and look around the website to even get information about an Application for Hardship. I would love to keep my house and I have started to work 3 jobs so I can catch-up on missed payments. I have submitted the Application for Hardship ( early XX/XX/XXXX ) online and submitted but did not see anywhere to upload supporting documents. I was never notified that documents were missing and the application was disapproved without even telling me. Did not receive any letters or emails to the fact. I find out when I logged into the website that I was disapproved. I reached out to find out why and told I could resubmit a paper application. I mailed the application XX/XX/XXXX and looks like they have not received it yet. I called today, XX/XX/XXXX to make a {$1000.00} payment and was told they would not accept it because it was not the minimum. I was hoping they would be happy to receive some money from me at least to start paying down what I owe on the hopes of making another payment on my next paycheck. The process with them has not been the best and I feel like I scum when they talk to me. I truly would like to make-up payments as I work my 3 jobs to get me all caught up while also finding another job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Greetings, My name is XXXX XXXX and my Loan # is XXXX. Back in XXXX I purchased a home and set up auto pay. After one month I found out my loan would be serviced by LoanCare LLC. I waited for some contact, but apparently the contact information regarding how my loan would be handled and the loan number were mailed to a house I was not living at yet and did not have a mailbox. When I received the initial loan, my current address, email and phone number were given to the originator of the loan.. 
I called in at the start of XXXX, when no one had reached out to me from LoanCare, and I was told everything was good, just make your payments going forward and everything would be fine. 

Later I found out that I was in a 60 day grace period when I started receiving letters to my address that showed I had late fees. I called in and it was explained to me about the grace period and we worked out a repayment plan. On the same call they let me know that since the account was past due, my auto pay would not work. 

In XXXX I went to manually make the XXXX payment and from my bank account I could see the auto pay tried to come out at the same time. There was not enough money to handle the mortgage payment twice. This was attempted again before I could get things cleared up and get the payment in. By the time I could get the payment in, the report to my credit was already going to be made. 

I have since made up the payment, that should have never been behind, and LoanCare customer service removed all the late fees except one. They recommended I write a letter detailing what happened in hopes this situation could be cleared up and my credit be changed to reflect good standing and no late payments. Instead they denied any error in reporting and I assume they feel the situation did not warrant any further steps by them. 

Thank you in advance for your time and consideration. I hope this letter finds you well. 

Very respectfully, XXXX XXXX XXXX XXXX ~ 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 2024-02-02
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have a conventional mortgage with NewRez. In XX/XX/XXXX they placed a Lender based Insurance on it even though we have no escrow as we pay our own through XXXX XXXX. They never informed us. Then in XXXX I noticed that the payment had changed from {$1200.00} to {$2700.00}. I got on the phone on XX/XX/XXXX and after 1 hour they told me they needed the HOA/association insurance papers not mine. I sent it to them. Nothing happened. No action no adjustment. Called them back XX/XX/XXXX was told they needed another year of HOA sent them that immediately, no action, then on XX/XX/XXXX called as payment was pending. Was assured its all fixed but no the payment was pulled extra {$1400.00} and also insurance has not been refunded. Now its XXXX still nothing, payment still shows as {$2700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I was notified by the previous mortgage serviced that my mortgage was sold and would be transferred effective XX/XX/year>. I was told that I would receive a statement from the new company with the loan number. Ive been to the site servers times and tried to find the loan through my social security number and have been unable to. I also tried contacting the company and the phone number listed on the website is not in service. They claim to be XXXX accredited with an A+ but I am unable to get in contact with a company that I am attempting to make a payment to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently was offered a XXXXXXXX XXXX XXXX with XXXX in XXXX, Colorado. During my background screening it was brought to my attention that 3 older credit debt items included in a XXXX  XXXX bankruptcy I filed, has been relisted under a credit collecting company and were showing as current new debts, instead of showing included in XXXX  XXXX, with the original credit name, dates and amounts. 

The compliance department for HR for XXXX XXXX  requested details on these items, and this could potentially keep me from gainful employment. I am wishing to file this formal complaint and it is my request that all 3 credit companies remove those relisted old debt items that were included in my previous XXXX  XXXX filing, now showing as new debts in collection for XXXX, be removed immediately! 

Those companies are as follows. 

1. XXXX XXXX Financial- {$2300.00}, showing as a current charge off. 
2. XXXX XXXX- {$6700.00}, showing as a current charge off. 
3. American Profit/RecoveryXXXX XXXX XXXX- {$3400.00}, showing as a current collection item. 

I need this investigation to rectify this matter as soon as possible. I will use this complaint as proof of dispute as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: Shellpoint Partners, LLC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
At convenient times for reporting my credit score is lowered due to the negative reporting of NewRez. Most often XXXX to XXXX point decrease. 

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section two, it also states that consumer reporting agency can not furnish and I can account without my written instructions under 15 USC is 1666 be a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Can you help with the credit let me know if you have late payments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Interest rate

Complaint:
I'm XXXX XXXX XXXX and a XXXX  resident stationed in XXXX. My mortgage is financed through Freedom Mortgage and I have requested to apply XXXX  SCRA statute LA RS 29:312 which states that debts incurred prior and during XXXX XXXX service must be capped at 6 %. I have been denied 3 times, and the denial letters only reference the Federal SCRA law that has interest rate caps to debts incurred prior to 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 2023-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company 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 2024-01-26
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was never verified, which is a breach of the FCRA! I have requested numerous times that the signed contract with my signature as well as monthly statements for ALL charges be mailed to me to be verified as I never received any letter offering me to verify the debt, but they refuse. I also have disputed the account with XXXX and they refuse to remove it and instead within only a couple of days of my dispute put this on my account, which is NOT verified as accurate and also a breach of the FCRA!! I want the debt removed and dissolved for this reason and I want both the collection agency and XXXX fined for breaching the FCRA!! They can not follow the law AFTER they BREAK THE LAWS!!!! 

CBNA Your information may have changed since XX/XX/XXXX Account info Account name CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance {$1600.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX Current / Terms met XXXX Past due 30 days XXXX Past due 60 days XXXX Past due 90 days XXXX Past due 120 days XXXX Past due 150 days XXXX Past due 180 days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX to XXXX XXXX 180 days past due as of XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX, XXXX XXXX  30 days past due as of XX/XX/XXXX, XXXX XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1000.00} Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX XXXX, SD XXXX Comment Current : Completed investigation of FCRA dispute - consumer disagrees. 

Account closed at credit grantor 's request. 

Previous : Completed investigation of FCRA dispute - consumer disagrees. 

XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item was updated from our processing of your dispute in XX/XX/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 non-monetary relief
Consumer complaint received 2024-01-19
Company: Financial Credit Network Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call often and I have told them its not something I can do right now due to loosing my job and then finding one that I make very minimal at and have to pay for my son. They keep saying interest is added on daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I placed a SINGLE online order on the HomeDepot.com for 58 items. The total was {$2300.00} and had a single order number of XXXX. I used a promotional code for 0 % APR for 24 months on purchases over like {$1800.00}. However they broke the entire transaction down in multiple transactions to avoid the promotional rate. The Home Depot website shows a single order but their credit card shows multiple smaller transactions. They spread the transactions out over XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-01-20
Company: Rausch Sturm LLP
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Please, before reading this complaint, refer to my previous complaints : XXXX and XXXX. 
Yesterday, XX/XX/XXXX, the sum of {$720.00} with XXXX ID # XXXX and the XXXX XXXX processing fee of {$120.00} was debited ( stolen ) from my XXXX XXXX checking account. When I called XXXX XXXX they informed me that this belongs to a garnishment imposed by XXXX XXXX XXXX. This company on XX/XX/XXXX sent me a Notice of Garnishment Dismissal ( See attached letter ) stating that they voluntarily dismissed the garnishment. After that I have not received any new communication from XXXX XXXX XXXX  or its attorney so I assume nothing has changed. The money charged is NOT even earned income because I am unemployed. ( please read my previous complaints for a better understanding ). The account was overdrawn once again and I don't understand why my bank admits making these types of charges without the authorization of me as a customer. 
I repeat, I have not received any new communication from XXXX XXXX XXXX  or its attorney. 

I'm attaching the response from XXXX XXXX to my last complaint and the solution I received by mail.

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