BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-25
Company: U.S. BANCORP
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hello. 

My husband and I both have platinum credit cards through Elan Financial. In taking inventory of our debt, we realize that we have overextended ourselves and want to take care of this. We arent asking to not pay our bills. We expect to pay every XXXX we owe. My husband and I called to get the interest rates and payments lowered on both of our cards. Elan Financial took care of his, and then said I was eligible for the same program. The person helping us said that his computer was running slow, and that we needed to call back to get all the details arranged. I called back repeatedly. Elan Financial is now saying that I am not eligible for the hardship program. We have made the first payment on my husbands Elan card, and I am eager to make a payment and get started paying back the amount I owe. Multiple calls have resulted in no help. Today I called, and they again said to call back in a couple of weeks. What is wrong with these people? I have called several times and keep hearing the same thing. Keep calling back. In the meantime, I am sure they are reporting this to the credit bureau. Seriously the worst company ever to deal with.

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 2024-01-25
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX NC to purchase a new XXXX XXXX XXXX. The loan was written with Hyundai Motor Finance and include GAP insurance. On XX/XX/XXXX I traded in the above XXXX XXXX XXXX and the loan was paid off in the amount of {$48000.00} on XX/XX/XXXX with no additional balances owed. I began contacting both XXXX XXXX of High Point and Hyundai Motor Finance to cancel the optional GAP insurance product to receive a prorated refund and I have not received any solution. Multiple emails ( 2 ) and calls/voicemails ( 10 ) were made or sent to XXXX XXXX beginning XX/XX/XXXX that went unanswered until XX/XX/XXXX, which is when I was contacted by XXXX that he could assist. I signed the required documents that day and the request was submitted. Contact History attached Both of these businesses have continued to play the telephone game with Hyundai Motor Finance knowing nothing about GAP refunds and each keep telling me to contact the other and I have since been told by XXXX at XXXX XXXX that the insurance has been cancelled however funds can not be released to me even though I am entitiled to the refund. I have been advised that they are waiting on direction from Hyundai Motor Finance on how to distribute the funds, however as of XX/XX/XXXX they have not received a response to their submission on XX/XX/XXXX. I inquired as to why no one has reached out to Hyundai Motor Finance and I was told that they are watching it in an online " portal '', I assume like watching paint dry. Neither company is doing their due diligience to ensure the refund is being provided to me in a timely manner which is creating harm. I was told by XXXX that the refund has to go back to Hyundai Motor Finance so they can then in turn return the money back to me however that has not been done. So I requested the check directly since the loan is paid in full and Hyundai is no longer owed any funds. I have technically paid the GAP to Hyundai Motor Finance in full and am due the funds directly. I am unsure as to why there needs to be funds sent to a loan that is now closed.

I have been told by other Hyundai dealerships that Hyundai Motor Finance does not handle GAP refunds at this time and should go back to the initiating dealer. XXXX XXXX seems to be the only dealership that is not aware and is making it difficult. I feel at this point they are hoping I forget and they can keep the money that is owed to me.

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 2024-02-03
Company: Mr. Cooper Group Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XX/XX/2023, I closed on the selling of my home. The mortgage was through Mr Cooper / XXXX Mortgage company. Initially, the closing was uneventful, however there were issues between the Title company and Mr Cooper for 2 months following the closing. Mr Cooper continued to be difficult with the Title company, and would not accept the payoffs that were sent to the mortgage company. At one point, a Mr Cooper representative even claimed they did not know what they had done with the payoff money. On my end, the mortgage began to show overdue, and requiring a payment even though the home had been sold and the mortgage should have been paid off. I talked multiple times to Mr Cooper, and they assured me they knew my account was not actually late, but that it was an issue between them and the title company. I was comfortable with those statements, however yesterday my credit report showed a 30+ day late mortgage payment, and my score dropped XXXX points. At this point, the mortgage has officially been paid off, I just need the late payment removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03
Company: Velocity Portfolio Group
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this account with the debt collectors and they failed to respond.The previous complaint that they responded to they said they were not reporting on my credit but i have proof that they are reporting!

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 2023-12-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am filing a dispute for {$1400.00} made to XXXX XXXX for the XXXX handbag purchased on XX/XX/. An empty XXXX XXXXXXXX envelope was delivered to me which I still have as evidence. I promptly instituted a complaint on XX/XX/ with XXXX XXXX XXXX case ID # XXXX, after which the advised me to contact my credit card company for a refund as the bag was shipped through one of their vendors. I requested the information of the vendor from XXXX to file my complaint, information was declined. I also realized that I had 2 tracking # for the same order on XXXX XXXX attached below which is still delayed. 

1. Duplicate results found More than one shipment was found with the following tracking number ( s ). Please click on the tracking number ( s ) below to find your shipment. 

XXXX DELAYED Estimated delivery date Pending PICKED UP XXXX, GA MANAGE DELIVERY TRACKING NUMBER XXXX FROM XXXX, NJ, US TO XXXX, GA, XXXX SHIP DATE Thu XX/XX/2023 XXXX PM PACKAGING TYPE Your Packaging ORIGIN XXXX, NJ DESTINATION XXXX, GA, US SPECIAL HANDLING Direct Signature Required STANDARD TRANSIT Fri, XX/XX/ by XXXX NUMBER OF PIECES 1 TOTAL SHIPMENT WEIGHT XXXX LB SERVICE TYPE XXXX Standard Overnight Duplicate results found More than one shipment was found with this tracking number ( XXXX ). Please select the correct shipment to add to your summary list. 
Table contains details of duplicate tracking numbers that are associated with the tracking number. Column one has the tracking number or nickname and the remaining columns provide the status description of the shipments. 
TRACKING ID SHIP DATE SHIPPER CITY, STATE RECIPIENT CITY, STATE STATUS DELIVERED DATE SCHEDULED DELIVERY DATE SERVICE XXXX XX/XX/2023 XXXX, NJ XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Delivered XXXX XXXX XXXX According to the information above the envelope delivered does not have the shipper 's city and state and it is just a bogus shipment with no merchandise. 
I now decided to go to XXXX to enquire about why I have 2 tracking # for the same order. Based on the paperwork I received from XXXX. 
I have consistently tried for XXXX to contact XXXX and the vendor to resolve this dispute to no avail. 
Thank you, 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 2024-01-29
Company: Gemini Direct LLC, dba Credit Innovation Group
State: WV
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
I started paying for my rent to be reported to the credit reporting agencys and dispute some charges on my report back in XXXX of XXXX. Rent was never reported and as far as I can tell no disputes have not been filed. Talked to XXXX XXXX a few times. The last being on XXXX Asked for proof of work done got a email that would not download screen shot of supposed work done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was in the XXXX  and I had relocated and that I didn't receive most of the pandemic unemployment benefits, and was denied. The claim account number ( XXXX ) I had received this notice stating that my issue was resolved. Bank of America did not Show me any proof of how this was determined, or let me know what I can do to further proceed. I am a XXXX XXXX that has and is being taken advantage of by this Bank. I had received this notice on XX/XX/2023 I also had contacted the XXXX, CA. Police Department to file a report pertaining my situation. I had other complaints but can not locate documents. So as of now I'll proceed with this one. 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 2024-01-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
I am exercising my right under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, to request that you exclude my information from any reports or disclosures provided by ChexSystems.

Additionally, I would like to bring to your attention the fact that, to the best of my knowledge, there has been no formal written instruction from me, the consumer, authorizing the furnishing or sharing of my information with ChexSystems. As such, I am concerned about the inclusion of my information in any reports or disclosures provided by ChexSystems without explicit consent. 
I kindly request that you promptly process this opt-out request and confirm in writing that my information will no longer be included in any reports or disclosures provided by ChexSystems.

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: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX years ago in XX/XX/2021, my son had an XXXX  visit with 5 days without insurance. The hospital, XXXX 's XXXX  of Colorado neglected to work with me despite numerous contact attempts, and ignored me for over a year. XXXX 's then sent me to collections with BC Services who again, did not respond appropriately to attempts to correct the balance owed. BC Services after 1 year of ignoring every request along with XXXX XXXX XXXX XXXX Colorado tried to sue me, and sent a police officer to my door. Under the immense pressure of having police at my door for my son 's emergency medical debt, they made me set up and sign an agreement for payment. This was only after I was being sued and sent to court. There are phone recordings of me crying hysterically and BC Services not paying attention or following appropriate protocol. I since, have again reached out to XXXX XXXX XXXX XXXX Colorado and sent notice to BC Services that payment would be on hold until any discrepancy was rectified.

I have put in 2 complaints with BC Services now, and they have simply been closed with no additional explanation. This collection company is not honest, and they are not following protocol. I find this to be a violation of rights set forth by Colorado laws regarding medical debt and I am astonished that this can keep happening. 

My most recent letter ( sent to an old address ) is " RE XXXX '' From BC Services Legal Supervisor, 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: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
So my account was paid because it was total in a car accident WESTLAKE financial is falsely report my vehicle as being repoed

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: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
In XX/XX/XXXXXXXX  when we completed a mortgage with XXXX, now Newrez, they assured us that the mortgage insurance payments would be removed from our monthly bill when we reached the minimum percentage of home cost. That event occurred six months after the mortgage was initiated but XXXXNewrez did not make the adjustment. When I discovered the problem in XXXX, Newrez said they would fix it and look into the possibility of reimbursement. After numerous attempts on my part to contact them, Newrez hasnt resolved the problem. Moreover, their mortgage statements do not identify mortgage insurance amounts so it is difficult for a consumer to know.

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: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Late Charges XXXX + NSF XXXX + Other XXXX = {$880.00} total fees XX/XX/XXXX to XX/XX/XXXX Hardship due to medical condition + prescription costs. 
I applied for loan modification. XXXX I was back to health, my mortgage current. 
Next mortgage due date is XX/XX/XXXX The fees are way too exuberant.

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: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Care Credit account through Synchrony Bank. I not only paid regualrly and on time, but made payments over and above the monthly amount. I had a balance of XXXX  in XX/XX/2023. When I received my statement the balnce was XXXX I called and asked about it and was told it was a late charge. I asked how can there be a late charge if I made payments that would cover several months. Apparently they failed to credit my account with the extra I was paying. At any rate, I included a note with my XXXX payment, " Full and Final Payment ''. My check was cashed, yet I received yet another statement with an additional {XXXX added I called as was treated quite disrespectfully, and they disregarded the fact I clearly stated, " Full and Final Payment '' in XXXX. Now today, I received a statement with a balance of XXXX}, this must stop. I attempted to reslove this issue with the bank once again and was told there is nothing they can do. I need to know to what extent can I take my complaint?

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 2024-02-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Stop lying experian because your NOT WORKING ON ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-01-27
Company: U.S. BANCORP
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Reminder : XXXX The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :

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: TRUIST FINANCIAL CORPORATION
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Due to an escrow shortage caused by a change in insurance, the monthly payment increased. The mortgage company was unable to contact us, therefore we underpaid two payments. Though we never missed a payment the mortgage company submitted a delinquent payment to the credit companies. We did not miss a payment.

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: WELLS FARGO & COMPANY
State: TX
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:
I want to refile this please as my formal complaint to WELLS FARGO BANK for still allowing the fraudulent account on my credit report. I filed an identity theft with the FTC report number XXXX. As I rechecked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports but they seems to neglect the responsibilities to provide accurate information to my credit report.

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 2024-02-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This fraudulent crooked company is trying to get dump complaints by marking as duplicate WONT WORK AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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