BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe the amount of {$410.00} as of XX/XX/2019 I've disputed this debt several times with this company, but it was under a different name. I've tried to resolve this debt by showing proof of validation, but no avail. I need proof of validation from this " new named '' fraudulent company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid 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:
On XX/XX/2023, I received a call from XXXX saying that someone had placed three orders on XXXX with a credit card associated with my XXXX account, but with an email address and phone number that did not match my account. I confirmed that I had not made the purchases and they were able to cancel one of the orders before it was processed. I immediately called TD Bank and cancelled my credit card and reported two fraud charges- one for {$1400.00} and another for {$1300.00} ( totaling {$2800.00} ). I did not hear anything else from TD until XX/XX/XXXX when I received a letter ( attached ) saying that my fraud claim was denied because they claim the CVV provided for the purchase was correct ( which is possible to accomplish with identity theft ) and because there was " unclaimed activity after the fraud began ''. I later found out that the charge for {$1300.00} was not included on the initial claim, which I believe was the reason that this fraudulent charge was considered " unclaimed activity. '' In addition, the total amount in the claim was completely incorrect. When I pointed these discrepancies out to TD, I was told that they did not matter because I had a prior relationship with Apple because I purchased something from their website over a year ago. I refiled the claim for the correct amount, but the {$1400.00} portion was immediately denied because it had been part of the initial, improperly filed claim, and the other portion was subsequently denied presumably because TD had already wrongly judged it as " unclaimed '' non-fraudulent activity. I have since also filed a police report ( attached ) for the charges and associated identity theft with the XXXX XXXX Police Department in XXXX, NJ, where the fraudulent orders were placed for pick-up at the Apple store. The police are currently investigating my case. TD has repeatedly told me that they do not believe fraud occurred and they are unwilling to do anything besides refile the claim, which results in an almost immediate denial since some steps of their claim process seem to be automated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Amazon 's Credit Card- through Syncrony : Initially set up an autopayment for the minimum due, in case I missed making the payment I wouldn't get dinged for missing with fee 's and a 30 day late- which all banks want to do to you to raise the costs to you. That autopayment unbenounced to me wasn't going because I was already making payments during the month to pay down the card. I was confused when I calculated the amounts over the last 6 months that should have been made as to why the cards balance was still so high. It was because NONE of the autopayments had gone. I then adjusted the autopay to be {$50.00} which was higher than the minimum due by far. This over 6 months would have paid off the balance ( along with the extra payments that were made ). Instead it goes additional months- with interest - that's not acceptable. Synchrony will tell you that it's to avoid double payments and avoid NSF 's, I can see that use case as well. But, for me it's about paying the debt off as quickly as possible. Why do I want to pay interest if I don't have to? 
The letter today was - ( attached ) your autopayment is {$0.00}. The online system tells you that you are paying {$50.00}, that's another issue. This is screwing the customer for additional interest and that's not acceptable. 

If I have an amount in my autopay- it should get paid. They can't chose for me. This adds additional interest to my account.

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 2018-01-28
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX Mr. Cooper formerly Nationstar emailed me and sent a letter notifying me that XXXX had sold them my home loan. A few days later I received a letter in the mail stating the same thing. The effective date of the transfer was XX/XX/XXXX. In that same email they said that they would mail me additional information in about two weeks. I received no payment information for XX/XX/XXXX. I received no written statement of debt : where should payments be made, no monthly statements, no information about what to do if I wanted to seek a new loan company, etc. On or around XX/XX/XXXX I still had not received a monthly statement for payments to the new company. I called Nationstar/Mr. Cooper was was told that I could sign up online to make payments. I told them that while I would sign up, I was requesting that an actual monthly statement be sent to me. I should as required by law be provided written information about my debt. Nationstar/Mr. Cooper never sent a XX/XX/XXXX bill/monthly statement and never informed me of the amount due for XX/XX/XXXX. I eventually just paid the same amount I had previously paid to XXXX. Each time I called I got random answers about why they were refusing to send me a XX/XX/XXXX mortgage statement or bill. Once again - Nationstar/Mr.Cooper refused to send a XX/XX/XXXX bill/mortgage statement in writing as requested many times. In late XX/XX/XXXX I started receiving harassing calls from Mr. Cooper staying that XX/XX/XXXX mortgage was not paid. I immediately disputed that. I provided the date that it was paid from my XXXX banking account. Mr. Cooper informed me that they applied that payment to XX/XX/XXXX. I immediately demanded to talk with a supervisor and disputed that XX/XX/XXXX was not paid. Mr. Cooper did not own the loan until XX/XX/XXXX. XX/XX/XXXX payment was already made to XXXX. Mr. Cooper refused to send out a monthly statement or bill for XX/XX/XXXX. Currently Mr. Cooper is reporting me to credit bureaus as being late because they have been and continue to apply payments one month behind. Once again- XX/XX/XXXX payment was applied as an XX/XX/XXXX payment- when Nationstar did not own the loan until XX/XX/XXXX. Payments are not being applied correctly. Mr. Cooper refuses to send a XX/XX/XXXX bill/statement in writing as required by law, and Mr. Cooper is not honoring the dispute process. I disputed in writing that XX/XX/XXXX payment was owed to them ( they didnt own the loan until XX/XX/XXXX was half over and payment was made to XXXX ). The creditor is refusing to send written proof of an amount owed ( No XX/XX/XXXX bill ), and they have incorrectly reported me to the credit bureau as being late when this is in dispute and Mr. Cooper has not provided written verification of the dispute status as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My auto online bill pay is set-up to pay every month on/by the XXXX. The payment for XXXX was due on a Sunday, XX/XX/2023. The payment was credited on XX/XX/XXXX which is the next business day. Chase is scum and will not remove the late fee that they assessed which is illegal. 

Credit card companies generally cant treat a payment as late if its received by XXXX XXXX on the day its due ( in the time zone stated on the billing statement ), or the next business day if the due date is a Sunday XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2021 I gave Capital one my Checking and routing # to make the payment of {$270.00} which was the balance on my credit card. They waited until now to send me something in the mail saying that the payment didn't go through and that there was an issue with the checking and routing #. My complaint is that they should have called me as soon as the payment didn't go through, not only has my credit suffered due to there neglegance but they have doubled the price that I owe them, making it now {$410.00} I am a United States Veteran and I haven't been late on payments in years. My hopes are that Capital one will reverse the late payment claims on my credit report and erase the extra amount that they have added on to the {$270.00} I intend on paying {$270.00} but anything over that I do not want to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
After submitting my complained finally the BBVA compass agent have left me messages on my voicemail. I found a job finally and my work is from XXXX to XXXX and my work is very detailed oriented and I can not receive calls on my job area. 

After filing my complain someone finally tried to call. I tried to call back after XXXX EST but was not possible. 

I want to continue my complain becuase they only refunded me {$220.00} on XX/XX/2018. And the total amount was {$500.00}. I am still waiting for {$270.00} more. Plus, the account is impossible for me to make a deposit becuase they took out all the features fron the online banking and also when I tried to print the direct deposit form, was not there either. I want the rest of my money back and I want my account restored. This bank has given me problems since the first time I opened the account and I want all my features back. I complained to them and they deactivated everything. All I received was appologizing emails for late response and emails to call the bank, when I am trying to contact the bank they always transfer the calls until the call drops ans they keep emailing to call the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: FL
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 a consumer by law, this has not been submitted in error. 
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 U.S.C 1681. 

Inaccurate Name : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inaccurate Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inaccurate Address XXXX : XXXX XXXX CT XXXX XXXX XXXX NY XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have violated my rights Account XXXX : XXXX XXXX - Account number : XXXX Have violated my rights Account XXXX : XXXX XXXX  - XXXX Acct # XXXX Have violated my rights Account XXXX : XXXX XXXX - Account # XXXX Have 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 : Also states a consumer reporting agency can not furnish 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,, other than records of convictions of crimes which antedates the report by more than 7 years 15 Y.S.C 1681s-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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: IL
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:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

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 2021-01-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've been trying to talk to an actual person at Lakeview Loan Servicing LLC for months about a brief hardship experienced due to Covid-19. I've called every number I can find related to the company. I'm either put on hold for hours, or I opt for a particular department through the automated phone system, at which point I'm either immediately disconnected or put on extended hold again. If lucky enough to not be disconnected, I'm given the option to leave a voicemail for a call back. But surprise. The voicemail box is always full. I've yet to even be able to leave a message. I've left requests through customer service online, but I've yet to receive any replies. 
I now am interested in refinancing my mortgage and am shopping for the best deals and rates. I'd like to speak with Lakeview to discuss the possibility of a simple rate adjustment. But as before, I can get no one to talk to me. 
I find it reprehensible that I'm not able to speak with a representative of the firm that holds a quarter-million dollar lean against me after purchasing my mortgage from my original lender.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: KS
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:
XXXXXXXX XXXX  sold our loan to XXXX XXXX on XX/XX/2023. They failed to report this correctly to both Experian and XXXX. Both credit bureaus are showing twice the amount owned on the same house due to XXXX continuing to falsely and illegal report our mortgage with them as open instead of closed. Our reports still show our XXXXXXXX XXXX as open with a current amount of {$270000.00} and with XXXX XXXX with a current amount of {$270000.00}. This shows future creditors that we have an open balance of {$540000.00} and XXXX mortgages which is false. 

A dispute was opened with Experian on XX/XX/2023 and the letter from XXXX showing the sale of the loan was provided. On XX/XX/XXXX, XXXX knowingly, illegal, and falsely told Experian that their loan with us was still open. Experian denied the dispute and kept the information on our credit reports due to XXXX reporting all the information as accurate - open account. Additional information was provided such as the letter XXXX sent to our insurance company asking to be removed from our policy and they are no longer our lender. XXXX knowingly, illegal, and falsely told Experian again on XX/XX/2023 that our loan with them is still open and all the information on are report is current. 

In addition, even thought it has been more than 30 days, XXXX refuses to provide an escrow statement after closing the account.

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 2021-07-28
Company: CARD Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 unemployment deposited {$15000.00} into my ( XXXX ) Card.com account. Also, on XX/XX/2021, they deposited {$1000.00}. Totaling {$16000.00}. However, it has not shown up in my account. Several times I have called the company, and they claim they have not received it. Unemployment states it was not returned to them. So, after numerous calls, Unemployment gave me this number to call your company for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted Wells Fargo on XX/XX/XXXX asking for help to lower the interest rate in order to make my monthly payments more affordable. To be honest I don't even know my interest rate and the rep never disclosed it. I only see an electronic payment due date and payment amount. I am struggling to make my monthly payment and asked the rep for XXXX XXXX XXXX. My last payment was on XX/XX/XXXX for {$100.00} and I missed my XX/XX/XXXX and XX/XX/XXXX payment and I now owe {$530.00}. I told the rep I could only afford {$50.00} or {$65.00} on a balance of {$2700.00} with my credit limit at {$2500.00}. I've had this card since XXXX  and my balance as consistently been at {$2500.00} or {$2800.00} for the past XXXX years. I've been maxed out the whole time and the reps resolution was to close my card and remove my XXXX rewards. The account was considered closed to me because it was maxed out!! My balance never goes down. I usually was making anywhere from {$83.00} to {$120.00} but with inflation and everything else I simply can't afford to make payments on a card that never changes the total due. I asked if I can make lower payments and stretch out payments to pay the balance off. She said we can't do that. She ended up closing the card but advised I will continue to pay interest and late fees. So basically I will probably end up paying another several XXXX dollars with no benefit to me but full benefits to Wells Fargo Bank. I want to make payments but would like some flexibility and help so I can successfully meet my financial obligations and not fail. I have concerns because each month I am paying approximately {$18.00} in interest, {$40.00} late fee and {$46.00} in cash advance since my card is over its limit amount. So many fees!!! The added fees are increasing my balance but also adding on extra fees making it impossible to bring the balance under my maximum {$2500.00} limit. Wells Fargo even sent me a letter saying to call if I need assistance but they really don't have anything for me. This is causing me extra financial stress.

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 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Captial one has had my account in frozen status since XXXX and they are refusing to return my funds. They requested XXXX and XXXX returns but yet they are not processing their investigation. After being told my account would be unlocked after I submit my XXXX returns. They refuse to communicate with me about my money. They are fabricating their reason for freezing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom It May Concern : I have nowhere else to turn. My current mortgage lender ( Mr. Cooper ) has me over a barrel. Ive been trying to refinance for the past 2+ years, but every time I try, Mr. Cooper puts up a road block. 

What happened most recently, I make weekly payments for my mortgage, but in the month of XX/XX/XXXX I had one weekly payment reversed which resulted in a partial payment for XX/XX/XXXX and thus triggered a 30 day late status. 

Mr. Cooper did send a letter about the reversed payment, but I was unaware of the letter because I spent 3.5 weeks traveling in XX/XX/XXXX. Also, the letter that I received from Mr. Cooper was dated XX/XX/XXXX ; well past 30 days late and didn't give me an opportunity to rectify the payment issue. I was unaware the check was returned until I received/saw the letter. As soon as I came home, I saw the letter and made the payment right away. The payment was made on XX/XX/XXXX and that was for the balance of the XX/XX/XXXX payment ( the other weekly XX/XX/XXXX payments went through ).

I made a good faith effort in paying on time for XX/XX/XXXX, but due to Mr.Cooper notifying me after the fact, it made me miss the full XX/XX/XXXX payment by a few days. 

I can't seem to talk directly to the department within Mr. Cooper that investigates and reports to the credit bureaus in order to explain what happened. I keep getting the run around when I try to call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently filed a complaint against BBVA for an abundance of unauthorized XXXX transactions. The company responded saying in the end they would reevaluate the charges and get in touch with me. Two weeks have gone by and not a single rep has reached out to me as stated in their response. A dispute has not been started ( again as they stated in their response ) and since I have left the account open to hopefully get my funds back they have now charged me {$64.00} in low balance fees. BBVA is completely unable to manage a bank, has little to customer support, and is being bought out which makes them probably care even less about people and when they get their money stolen. I would like my original dispute totaling over {$13000.00} and this {$64.00} returned to my account before having to file a class actions suit against the company.

Company response to consumer: Closed with monetary relief