BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a Wells Fargo customer- both for credit cards and checking and savings accounts for 20 years. I opened a Wells Fargo Rewards credit card in 2014 with a XXXX limit. My credit limit as of 2 days ago was XXXX and I have not charged to the card in over a year in an effort to pay down the balance, which is currently at {$11000.00}. I went to check the card today and my credit limit had been dropped to {$11000.00}, so I have barely {$300.00} of open credit now. While I am not looking to charge to this card, I am trying to build up a better a XXXX XXXX and having some open credit is obviously a large part of that. This card has an astronomically high interest rate in which I have tried to get lowered over the years with no luck. So my only hope is to pay it down and keep open credit with it. I have paid over the minimum payment for years now and have never been charged a late fee.I have a lot of debt in general, but am extremely careful with my XXXX XXXX - I have no late payment or derogatory remarks on my credit file, just a lot of debt that I am working to pay down. 

As soon as I saw my credit limit had been lowered, I called and the customer service agent I spoke to claimed he had no idea the reasons for my credit limit being dropped and that I would receive a letter eventually. I was so upset, I just cancelled the card so at least that would look favorably on my credit to close it. This is now the XXXX time that Wells Fargo has lowered my limit. They will increase it, and then lower it not because of anything having to do with Wells Fargo, but bc they will claim they do periodic checks of my credit and bc my debt is high, they felt they had to lower it. 

I strongly object to a company doing this to a loyal customer. I am working so hard to build up my credit and pay down my balances- how can I do that when these companies make decisions that they believe are best for them, but yet just punish their customers when it comes to their XXXX XXXX? I have done nothing but fulfil my requirements of this credit card 100 % and they still do something that negatively affects my own personal credit. 

I know I am a small time customer with Wells Fargo and they look out to protect their own interest, but how can they do this to me when I have done nothing but try and pay down this card in good faith for years now? My record with this card will speak for itself. I am disgusted and upset that I try so hard to pay down the card and I still have these negative actions against me. It is horrible treatment towards a long standing customer.

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 2023-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing in response to your notice about an alleged debt. ( XXXX XXXX & XXXX ). Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX - TD Bank - XX/XX/XXXX - present. I am having an ongoing problem with this companies online payment system. I submit a payment online successfully, only to find out later that they rejected my payment, I was never notified on this change. ( I have adequate funds to make this payment ), and they charge me an extra {$34.00} ( check assessment charge ). I have tried to call them ( their is no person to talk to via their customer service line. I have tried to email them and haven't received any response back or phone call., This has been the worst online payment experience I have ever had and regret signing up with XXXX to to purchase their products. I a senior citizen and a XXXX XXXX XXXX. I am very concerned that this ongoing issue is affecting my person. credit. Request immediate resolution to this problem. I have worked hard to be a good customer and make my payments and have received terrible customer service from this company. ( TD Bank handles the product financing and billing for XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CIS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD 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 2022-01-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been teaching for 17 years and continue to attempt in qualifying for Public Service Loan Forgiveness this last year. I have made payments consistently for more than 120 payments. Navient keeps informing me that my loan is not a direct loan but was informed by many other teachers that i can consolidate into a direct loan to qualify which they have. 

I can not get a straight answer or how to consolidate this loan to a direct loan after many phone calls and letter not helping to consolidate my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/20 & XX/XX/20 I called Sun West Mortgage company and spoke to a representative and then to a supervisor regarding the CARES Act forbearance. I am up to date with all of my payments at this time but will have difficulty making payments for XXXX and the next few months as my husband is not working. I asked for the forbearance to start on XX/XX/20 for 180 days. According to both the representative and the supervisor the forbearance starts on XXXX. I called FHA on XX/XX/20 ( reference # XXXX ) and spoke with an FHA employee who also reviewed the info with me and stated I had a clear understanding of the information and I was correct that the forbearance does not need to be retroactive or pushed back if I had made the payments. The Sun West mortgage representatives kept telling me that no matter if I made my payments in XXXX XXXX XXXX, I still have to have the forbearance start on XX/XX/20. This does not make sense to me as I have already made those payments and its the future payments that I am concerned about. How is this helpful as a consumer to have a forbearance start on a date when I was ok financially to make my mortgage payments. I have not heard back from FHA regarding this case other than the initial email I received from the rep when I called on XX/XX/20. Please contact me as this is a not how the CARES Act is supposed to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. 
This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR TRANSUNION ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). 
If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. 
IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.

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 2022-12-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried twice to set up a trial payment plan, but both times i had issues and they would not give me a chsnce to try again. I have my own business and it went through a very hard time because of XXXX virus which I caught twice., I also had a XXXX XXXX and was prescribed medication, and I also went through a divorce.. my business went down to almost nothing but now it has come back to almost pre Covid levels so im sure i can make the mortgage payment if they will work with me. I tried several times to get another trial payment plan started but the people im getting on the phone are not giving me any sign of hope. They are saying they cant do anything. Yet repeatedly in their letters they say over and over they want to help us retain the home. But the way they treat me on the phone really depends which person answers the phone. I also have a very very difficult time getting my so called relationship manager they assigned to me. She is impossible to reach. I also have documented proof that on the last trial payment plan i paid on time with two of the three payments but they sent the first payment back then refused my trial plan in s letter before i could make the final payment. I have documented proof of this and they still have not told me why they sent the payment back on the first payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had XXXX accounts with Synchrony Bank for some time. I used all accounts in a proper and responsible manner. I never had a single late payment and never exceeded my credit limits. In fact, I didn't even come close on many of the accounts. I made payments either on auto pay on the due dates or in many instances I would pay before the account had even billed and before it was due. 
I also maintained my personal credit with all creditors in a responsible manner and most of my credit scores were in the high XXXX 's and with in excess of {$100000.00} of available credit my utilization was always under XXXX XXXX  but usually at XXXX XXXX XXXX XXXX. 

I had just been approved for a new account with Synchrony and also received credit limit increases on other accounts. This also reflects that my handling of the accounts and my credit was without question or doubt. 

Then on XX/XX/XXXX I was notified that ALL of my accounts had been closed. There was no reasonable cause or reason for the closure. Nothing had changed in my internal or external credit profile or use that would warrant this action against me. 

At the time no one at Synchrony could provide me with an explanation for the closure. Then recently I received letters for each account with the same reason for the accounts being closed. These letters provided a false and wholly dishonest reason for the closure- in violation of federal law. Pursuant to federal law an adverse action letter must contain and provide a truthful and accurate reason or explanation, which they did not. 

In my research online, I then found that this was a complaint of many - XXXX XXXX XXXX XXXX, of other customers of Synchrony Bank. So it appears that this is not an isolated action to HARM their customers.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-05-29
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were placed in covid hardship program which we do not want. This is affecting our ability to get other loans. We have called the bank a dozen times to have them take us out of the program and the representatives keep telling us its a great program and we should be in it. They will not let us out and will not update our account and credit report. We call in each day and each time they tell us nothing has changed we are still in hardship and that we should be in it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Checking account with Citibank ( around XX/XX/23 ) to avail relationship discount on my mortgage application that was serviced by Citibank. I was asked to move all my funds for mortgage closing to my Citibank account. The loan officer told me I had to hold $ XXXX in my account post closing for 7 days after which I was allowed to move my funds back. 
Some of the funds I transferred was money I borrowed from one of my friend who wire transferred {$15000.00} to me. I was supposed to return the money after the loan closing. At the time of my incident I had approx. {$56000.00} in my account. For some reason, Citibank flagged my account for fraud and closed my account. No communication was ever provided to me about account closure or the reason behind it. I was told their F & P dept will do their due diligence within 60 days and return all my funds in 60 days. I did get a check but for approx. {$41000.00} - exactly {$15000.00} short of the total amount. Ive tired following up with Citibank 20+ times but Ive never heard any update. They keep raising service requests but no one ever responds or provides any update. Ive offered to provide all documentation to show the money trail but no one has looked into it. Its been 6 months since the account was closed and Citibank has till date provided 0 updates. According to a bank officer, the money is in a sub-ledger account but that money is still with Citi. They never tell me what is going to happen to it- either they should sent it to the original sender ( my friend ) or to me, hopefully after establishing that the wire transfer was legit. This has caused a lot of mental stress and financial hardship. Im hoping someone can help me get a worthy response from Citibank and return the money.

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 2022-04-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
fraudulent inquiries appearing on credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: CCS Financial Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These Accounts : XXXX XXXX XXXX XXXX XXXXCREDIT COLLECTION SERVICES  BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. 
This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). 
If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. 
IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation