BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: WSFS FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wilmington Savings Fund Society DISCRIMINATED AGAINST ME along with the servicer they hired. Their servicer XXXX XXXX XXXX in an attempt to hide the discrepancies in my loan repeatedly sent illegible ledgers showing the payments made and where they were applied. Meanwhile claiming there was no record of any payments on the modifications. I repeatedly disputed the validity of the balance due to every servicer, the law firm, and the referee only to have my disputes ignored. Their law firm submitted fraudulent and false documents affirming the amounts due were correct. The amounts affirmed by XXXX employees are incorrect. XXXX has admitted in bankruptcy court they did not verify loan balances yet they lied to the court and said they did. XXXX also did not validate the amounts due. They even purchased my loan proceeded to foreclose on my home without a valid assignment and ignoring a modification in place. They discriminated against me and denied me my legal right while their servicer and law firm XXXX XXXX XXXX XXXX  committed fraud upon the court anyone with a foreclosure being brought by XXXX XXXX XXXX XXXX should review their paperwork. I reviewed dozens of their cases many had document issues.

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 2023-11-03
Company: COLLECTIONS USA, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLLECTIONS USA INC has placed a debt collection on my credit report for {$4400.00} on XX/XX/2023. 
This is not XXXX XXXX XXXX 's debt and must be removed. 

I believe this is elder senior abuse, and this XXXX has placed this on my credit report to my determine. I also request monetary damages. 

Please investigate. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Arcadia Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I started a dispute for my medical debt with XXXX XXXX XXXX XXXX on XX/XX/2021, the debt was bought by a collection company called Arcadia, I never signed the HIPPA act that is required in order to sell the debt, in addition, the collection agency didn't give me my right to dispute the debt. 
On XX/XX/2021 I sent a follow-up letter since they didn't respond to my previous request, XX/XX/2021 they still didn't respond so I sent a final follow-up letter, and by today ( XX/XX/2021 ) they still haven't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt numerous times for validation, and keep receiving updates as it has been validated but no proof. There is no signature, no contract, no proof of the bill, and no validation of the debt. There are two accounts from credit systems intl on my credit showing opened in XXXX for a utility bill, however I was not in that city in XXXX I was living across the state from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an email offer from Bank of AmericaXXXX for a credit card offering a {$200.00} credit statement and XXXX bonus points after spending {$1000.00} in the first 90 days. I spent over {$3000.00} in the first month. I clicked on the " Apply Now '' button and received the credit card and points. However, Bank of America has steadfastly refused to give me the {$200.00} statement credit. For the past 7 months I have been calling XXXX and Bank of America only to be given a case number each time with no results. I took a copy of the offer and the email to the Bank only to be told " we are not going to honor that offer ''. Can they refuse me the {$200.00} credit statement? Since I am XXXX years old, I believe they think I will just go away and will ignore me. Thank you for your assistance.

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 2019-06-25
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX XXXX Reported my heloc payment for XXXX as a 30 day late when it was not. Due to incorrect information on their web page the payment sent was {$63.00} short ... .I immediately paid that amount when I found out but still reported me late. I want that derogatory mark removed asap ... 

# 2 and far more important my payment due date isXX/XX/XXXX tomorrow ... I just went on line to pay and the account is GONE ... .I called XXXX  and was told The servicing was sold to a company called SLS Specialized Loan Servicing . 

I was never notified by XXXX XXXX XXXX or SLS ... ..I believe there are laws protecting the consumer in this situation. My understanding is by law I should been notified at least 15 days prior to the sale date ... .I have not notified by anyone and If I did't call I wouldn't know..I now do not know where to send my payment and am sure after reading the horrible reviews on SLS that I will be put in a compromising position due to no fault of my own .You must have read the on line reviews and fielded many complaints. HOw can this company still be operating? 
1. I want the derogatory remarks from XXXX removed immediately 2. I want to know what remedy I have under the law for not being notified of this transfer ... this has to be illegal If I have not been notified. 
3. I want to know what protection I have as I do know where to send my payment which is due tomorrow and from the reviews I read about SLS they will still report it late due ti know fault on my part Thank You and PLEASE help help me 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 2021-09-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a purchase on XXXX and paid for it with the XXXX credit card from Synchrony Bank. About 15 minutes later I received an e-mail from XXXX that the charge had been denied and advising me to contact Synchrony Bank. I called the Bank, spoke to a representative and then asked to speak to a manager. The manager informed my that the Banks credit terms provide that the Bank can cancel the credit card for any reason. I said I have no problem with that ; I have a problem with not being notified that the card has been cancelled! Her response was " We don't HAVE to notify you. '' Consumers should not have to use a CC, have the charge refused, and then call the issuing company to learn that the card has been cancelled. If the CC company can send notification of interest rate changes, arbitration changes, minimum payment changes, etc., they can certainly send a notification that the card has been cancelled!

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 2023-11-03
Company: Incomm Holdings Inc.
State: CA
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:
Bought a Mastercard Vanilla giftcard which was compromised. Someone had opened the packaging, photocopied the barcode to activate and then sealed it back up with superglue to defraud people buying giftcards. Whoever did that put another giftcard in there that was the wrong denomination. The barcode on the back matches the packging numbers because it is a photocopy of the card on card stock and even feels like a real barcode.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had Fraud on my HSBC checking account. Several unauthorized ATM transactions were made on my account using my PIN. Now, prior to that, I had received several phone calls from people claiming to have been HSBC. I'm a XXXX  veteran receiving XXXX compensation from VA. Literally the day, my VA XXXX check which was being direct deposited into HSBC, hit, just under {$600.00} of unauthorized ATM transactions hit my account. When I brought it to the banks attention, they stated that the transactions, however fraudulent, still put me over the daily ATM withdrawal limit for my relationship w them. I temporarily did not have access to my money, as it was past normal business hours for me to be able to go to a teller. I was ultimately able to go to the tellers the next day and use my other bank accounts/ credit card for transactions. But I feel like my accounts were spied on by the fraudster, as they knew exactly when my money hit this account, as well as I was told by the bank I was unable to access my money, fraud or not. I think HSBC, has an inability to safeguard their " Premier '' account holders information and do not recommend banking with them in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime which is a branch off of XXXX, closed my account which had a little over XXXX dollars in it and told me that they would send me a check in 30 days. That was late XXXX when my account was closed. As of XX/XX/2023 I have yet to receive my funds from them. Ive reached out to customer service numerous times and have gotten the run around as to why I havent received my funds. Yesterday as of XX/XX/2023 they told me for some reason my account wouldnt be eligible for a refund of my legitimate tax return. They arent trying to pay me back my money and thats not right. Ive provided them with all necessary documentation to prove my case and to verify the legitimacy of the funds. This has been a stressful process Im in the midst of losing my home because of this scenario and it feels like they are trying to steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
received a rejection email saying my application for a Marcus ( through Goldman Sachs ) " My GM Rewards card '' could not be approved due to an email discrepancy. I did not apply for any such card.

I contacted " GMCardByMarcus '' and they said a fraud alert has been placed on the application, but also requested I create a police report. I spoke with agent " XXXX '' at about XXXX on XXXX, but was advised there was no case number or tracking info I have filed a police report with the city of XXXX XXXX PA XXXX # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2013 I applied for a student Visa card from Capitol One. The limit was {$300.00}. I called and told them my card was lost and I needed a replacement. I never recieved it so I didn't think twice about it until years later this portfolio recovery company was calling me and my mother and sending letter. I disputed it at that time. They denied my dispute. I even filed an identity theft claim with the ftc. My ex- roommate stole my identity. Now it's 10 years later and it's still giving me a low credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been making payments to Navient through the XXXX XXXX XXXX in the monthly amount of {$67.00}. Every year I do apply for the renewal which includes the current income at the time of the application. In my application dated XX/XX/XXXX, my pay stubs showed an increase of my salary from {$38000.00} to {$43000.00}. This is an increment of {$5000.00} which represents 13.1745 % increase from the previous salary. I have explained to Navient this simple math by applying 13.1745 % of {$67.00} which will result on an increment of {$8.00}, therefore my new IDR payment should be {$76.00} and not the amount being asked by Navient of {$110.00} per month which represents an increase of 63.8683 %. My increase of salary is 13.1745 % not 63.8683 %. I have made contact several times with Navient customer service since XX/XX/XXXX with no resolution by them. Also, I have written 2 letters, being the last one on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
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:
This is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I do not remember ever having a legal obligation with this company nor do I believe one exists. Please examine the way USAA SVG BK ( account number:XXXX ) is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I would highly appreciate it if you block these accounts from reporting immediately. Failure to comply with the request should result in the immediate deletion of the items in question.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: MD
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 n 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) 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. 

Experian has " XXXX XXXX '' on my report it is an error that needs to be removed XXXX XXXX states i have had a card since XXXX  but the information only reflects XXXX XXXX XXXX  Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX/ bureaus illegally restarted removal timeline after settlement

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 2023-11-03
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid off my student loans in full on XX/XX/XXXX. The payment processed on XX/XX/XXXX. I realized that I accidentally overpaid by {$10000.00}, because the payoff calculator on Nelnet 's website I used to determine my final payment didn't take into account a payment I had pending. I emailed XXXX on XX/XX/XXXX and XX/XX/XXXX requesting help and provided my loan number and details about my case and got no reply. I used the website customer service form on XX/XX/XXXX to request assistance and got an automated reply asking me to call the hotline on XXXX. On XX/XX/XXXX, I received an email in response to something ( I'm not sure what ) asking me to explain my situation if my issue hadn't been resolved, which I did, and received zero response. I called Nelnet repeatedly the week I made the payment, and finally spoke to a customer service representative within a week of making the payment. I was on hold for at least an hour before speaking to the rep. That representative told me he would escalate my issue to management. I received no follow up. I called again in XXXX and spoke to a billing agent, who told me refunds take 4-8 weeks, which is totally unacceptable. I told her I can't wait months to be refunded {$10000.00}, and she told me there's nothing that can be done about it. It's been approximately 8 weeks and I haven't heard anything about my refund -- Nelnet should not be allowed to keep refunds for months!

Company response to consumer: Closed with explanation