BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/18 I submitted an online application for a XXXX XXXX store credit card through XXXX XXXX. I was told by XXXX XXXXXXXX customer support that I would get an immediate response on line, either approved or denied. With the online approval, I would get a card number that I would then be able to use today to make an online purchase with their promotional rate, even though I would not get the physical card for 7-10 days. I submitted the application and got a prompt to call XXXX XXXX as they needed additional information. When I called, they completed the application and approved me for a {$4500.00} credit line. However, since the approval was not on line and the application was technically completed by a live person, all they could issue me was a reference number. As such, I could not access this card to make my purchase. Synchrony failed to disclose that this added step would result in my not getting a usable credit card number today. I no longer need this card, yet a credit check was done! I intend to cancel this card but can not for at least 3 days, as per the bank! this is an outrageous abuse and misrepresentation. Synchrony and XXXX XXXX have mislead what would have been a loyal customer. I do not have an account number, as mentioned previously, as I have to wait 7-10 business days to get the actual card.

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 2022-01-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Once again Wells Fargo has allowed a scheduled payment that would overdraw my account show they can charge me an overdraft fee. This is a yearly payment that had slipped my mind. I have asked them not to allow such payments but to decline them. I tried to contact the bank about this matter but was told by the automated system the wait time was 2 hours. Wells Fargo does publish an email to send to complaints to. This is the second time I have had to file complaint about this issue.

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 monetary relief
Consumer complaint received 2022-01-19
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Account # XXXX To whom it may concern ; I am writing to request a goodwill adjustment to my payment history in regard to the payment that was made on XX/XX/XXXX. Said payment was reversed by Honda Financial because the account that was used marked Closed. 
On XX/XX/XXXX, I added a new payment account, XXXX XXXX XXXX XXXX Account # XXXX, Routing Number XXXX to my Honda Financial Profile. After adding the new payment account, I then went to payment option screen to make payment using the XXXX XXXX XXXX XXXX information. I entered {$500.00} and hit submit. 
On XX/XX/XXXX, I was notified by email that my payment was reversed because of the account that was used was Closed. I was quite puzzled because I would have never made a payment using a closed account. I called XXXX XXXX XXXX XXXX and asked if my account was in good standing. The representative told me my account was indeed and good standing. 
On Monday, XX/XX/XXXX and spoke with a gentleman with Honda Financial who informed me that the account that was used to make the XX/XX/XXXX was a XXXX account that was in my profile. I told him I would have never used that account because that account is never used. I told him that was a mistake and I asked if there could be anything done in regard to my payment history and not to be reported late the three credit bureaus.

I have leased two vehicles with Honda since XXXX and I have almost perfect payment history and I am loyal Honda customer. 
I am requesting a goodwill gesture from Honda Financial to grant me an adjustment to payment history to reflect no late payments or delinquency to the credit bureaus. 
Thank you in advance for your consideration. 
XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: Foris DAX, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
An account was made with crypto currency with my private info I did not authorize this and I contacted crypto support to get the account closed no one has gotten back to me I sent them everything they needed to do as I asked and the XXXX representatives have allowed days to go by without getting back to me on the account closure Crypto.com Crypto app

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: AFNI 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: Investigation took more than 30 days

Complaint:
i have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a used XXXX XXXX. I paid {$500.00} to hold/reserve the vehicle and {$1500.00} down payment the day I purchased the vehicle. This is a total of {$2000.00} down payment on the vehicle. I have both receipts of the down payment that clearly states the money I paid was a down payment. The contract is invalid as it is inaccurate and writes " N/A '' in the downpayment category. The {$1500.00} and {$500.00} I paid as down payment are not reflected in the total vehicle price and were not subtracted therefore the loan price and monthly payments I have been told to pay are inaccurate. It is illegal to steal my money that was a down payment for a vehicle. It is illegal to write the wrong price on a contract. It is illegal to omit writing the down payment on the contract. This contract is inaccurate and illegal with the wrong information listed. I DID make a downpayment and the contract should have included this and taken this dollar amount from the total price of the vehicle. I have been charged a downpayment and no adjustment was made to the vehicle price, this is illegal practice. This has caused undue hardship as this company is writing and reporting to the credit bureaus inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE 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 2018-01-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been battling this issue, and others, with Navient for several months. Ive submitted several complaints through their ombudsman and advocate office, as well as three CFPB complaints. One of the cases ( XXXX ) was documented as duplicate. None of my complaints have been resolved yet theyve been marked as closed. Part of my last complaint was regarding a fraudulent loan. While Im fighting the fraud issue, Im still trying to keep the loan from becoming increasingly delinquent. Upon submitting financial information for myself and my mother who is the co-signer, I was placed in a payment program. In the first three months of the program, I had to submit another complaint due to a manager deciding I was no longer eligible for the program, regardless of my XXXX status. The advocates office got involved again. They discontinued the payments and placed my accounts in an administrative hold status. While I was working on the medical documentation required for my XXXX request, my mother received a call from Navient about the loan defaulting. I called the person back and he stated one of the loans had now defaulted due to no payments being made and its been reported to the credit bureaus as a charge off. I made it explicitly clear this information was not accurate. After ending the call I reached out to the advocates office to find out what was happening as none of this made any sense. Approximately 2 weeks later, I was informed that the loan is now in the Navient recovery office for default but that a payment arrangement could be made and the interest reduced to nearly 0 %. Ive reached out to this recovery office but have yet to speak to the person who is said to be the account manager. This cant be legal. This account had three payments made, via the required ACH process. The loan was then on an administrative hold. So I dont understand how they are now able to say no payments were ever made and have subsequently charged the loan off. Not only is this loan included in my current request for the Borrowers Defense Act against XXXX XXXX, its also the loan Im fighting for fraudulently being processed. Its also the same loan Ive submitted complaints to your office about, including written and voice-recorded documentation. Theyve now severely ruined my mothers credit and mine and if this complaint is addressed in the same manner as my previous complaints, allowing things to progress to the present status Im facing, they will get away with multiple illegal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have written more than one letter to XXXX XXXX most recently in XX/XX/XXXX, about many of my payments not being accepted towards the Public Service Loan Forgiveness ( PSLF ) program. I have been employed in a public service capacity since XXXX, and have made sure to remain in a payment plan that was qualifying since the inception of the program. I have even highlighted some of the payments I have made after receiving records of payment via the XXXX XXXX XXXX via a FOIA request, enclosing them proof of payment. 

Despite these repeated inquiries to XXXX XXXX, I have not received any response whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Notified original company in XXXX that debt was included on bankruptcy. Never received notification from collection company of debt. Not responsible for debt included in bankruptcy.

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 2021-09-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I havent paid mortgage since beginning of COVID-19. I just want to make sure there is some help for homeowners because it will be a yr almost and Im still behind trying to stay afloat Im on permanent XXXX and all the extra stuff I been buying trying not to caught it put me behind plus now my car is broke Im tryptophan get it fixed I have a lot of meds and doctors appointments. I also saw were there was help for your animals well I have 10 cats that I take to vet and feed to keep me company I had before this pandemic hit they do not go outside but do have to here meds one had a XXXX  one can not XXXX  and the others I raised from tiny kittens because mothers left them my name is XXXX XXXX my address is XXXX XXXX  XXXX TN XXXX, USA and my number is ( XXXX ) XXXX please give me a call about my home my cats my utilities my car and living situation! I stay by myself and I worked from age 14 until young man ran light flipped my car three times XXXX XXXX XXXX and etc. I been here since 1998 in this house grew to children up here and dont want to leave thanks and have a Blessed day. And Im trying to do this on a once a month XXXX check XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Regions Mortgage continues to ignore the letters I have sent them clearly pointing out how they are in violation of two laws that I have proven and pointed out to them on more than one occasion, by stating to me that my dispute letter is a duplicate letter and that they are not required to respond, because this dispute is listed as an exception in section 12 CFR 222.43 ( b ) of the FCRA. Despite me informing Regions Mortgage that the recent dispute letters I sent them is not the same type of letter that they are referring to, they continue to completely ignore my letter alone with the evidence I have sent them that I also have attached to this complaint. 
I informed Regions Mortgage that they violated and are in violation of 15 U.S. code 6802 obligations with respect to disclosures of personal information ( c ). It states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise their nondisclosure option. I informed Regions Mortgage that the only thing they did was inform me that they may disclose my information to the credit bureaus but failed to inform me of my rights to exercise my nondisclosure option, and I attached the statement that Regions Mortgage first sent me that proves what I said is true, and yet they continue to ignore my letter, falsely claiming that its a duplicate dispute. 
If this was a duplicate dispute letter, Regions would only be showing how they ignorantly refuse to comply with the law. I also informed Regions mortgage that they are in violation of 15 U.S. Code 1681a ( 2 ) Exclusions, it states that a consumer report aka credit report does not include transactions or experiences, and because of these laws, I instructed Regions Mortgage that I do not want them reporting anymore of our Mortgage information to the credit bureaus until further notice, as this is our right as a Consumer under these mentioned laws. I also sent Regions Mortgage two invoices for a total of {$2000.00} for their violation of these laws, stating that under the FCRA remedy law, it is {$100.00} to {$1000.00} per violation, and because of the damages and stressful issues that Regions has put us through, I am demanding the max. 
I need for Regions Mortgage to honor the already invoices I have sent them and honor my instructions to stop reporting our information to the credit bureaus. 
I also attached a copy of the letter I sent Regions Mortgage in the mail that they keep ignoring. 

Nothing Further.

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 2017-07-28
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Because Automotive Credit Corporation keeps XXXX documents they lost a payment of mine And repossessed my car early XX/XX/XXXX of this year. I had to pay {$1800.00} to get it back. I was told next payment was XX/XX/XXXX which should have been due XX/XX/XXXX. Unbeknownst to me since I got my repo car back on XX/XX/XXXX, the new due date became the tenth so on the XX/XX/XXXX I began getting calls. I called on XXXX and informed of the change. The most cost effective choice to minimize processing fees was to arrange an electronic fun transfer on my Next payday XX/XX/XXXX to cover two payments totaling {$700.00}. Woke up XX/XX/XXXX to car being repossesses from my back yard. I called and showed receipt and they said they voided the ECT payment cuz they had no record of my call though they had record of payment arrangement and I emailed a screen shot image of my call and call time. They refuse to correct this and say I owe {$1000.00} and now need a cosigner to get my car back or property out of my car.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This unknown caller calls several times a day, and harasses me on the phone, and ask very personal questions. I need these calls to stop. The company is XXXX XXXX XXXX account # XXXX for a credit card for Walmart. There contact phone # is 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 2020-11-12
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX my husband XXXX XXXX bought Our family a new home address XXXX XXXX XXXX XXXX GA. He met all of the requirements for the mortgage, however after his death in XX/XX/XXXX I found out that our home was not inspected and did not have a certificate of occupancy. This information was not disclosed to us from our realtors, sellers realtors, XXXX XXXX who sold us the house nor our mortgage company Silverton Mortgage who financed this property for us. Silverton Mortgage ordered an inspection however after my inspection with an engineer in XXXX, our home was not built up to code to obtain a certificate of occupancy.

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 2017-07-28
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We refinanced the house we live in XXXX XXXX XXXX XXXX, Arizona XXXX in XX/XX/XXXX with a company called Freedom Mortgage. It was then at 6.75 % interest rate and a fixed monthly payment. Immediately the payment began to increase so I began to research and investigate why. Freedom Mortgage said it was our escrow which we have evidence it was not. In the summer of XX/XX/XXXX we tried to refinance with XXXX XXXX XXXX as they were our home owners insurance and they said it could be done at 4 % interest rate. It did not happen as they stated Freedom Mortgage made it very difficult and at this time by there word we were now two payments behind. We caught up and paid Freedom Mortgage {$4300.00} in addition to the then payment. Freedom Mortgages stated to us that they sent it to a Loan Servicing company yet every single month we got statements from Them and made the payment directly to them. In the fall of XXXX they changed the account number and it has been a nightmare ever since. We have made the payments and I have copies of all the checks they deposited but not accounted for. They send us statements with amounts of funds placed in an " unapplied fund '' account. They have hurt our credit stating we are almost {$9000.00} behind. They tried to modify lowering the payment to {$590.00} for 3 months but wanted a new signed contract at 6.75 % and 30 years. Now they are threatening forclosure and we are claiming criminal charges because they got funds for months, say we have not made payments, forced us to hire lawyers that we do n't get any feedback as to their assistance but call demanding the payments. Oh we are besides ourselves. We want to get away from such a corrupt mortgage company. WE have contacted you before and they seem to do a pretty good job at lying to you as well when I have boxes and boxes of the evidence. HELP us please. Please file criminal charges against them for keeping money and not applying it to our account. Please file charges for promising they themselves would refinance at 3.5 % years ago and ignored the packages of paper information they requested I send to them stating, " we will get to it when we can ''. Please file charges against them for threatening and intimidating because they can. HELP US please.

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 2018-01-04
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I tried to register With XXXX They said that my mobile telephone number is already registered to an account. I asked them to close that account. They require that I provide them with the email address used to open the account. I have no idea. I control the telephone number and I want it used exclusively for my personal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently notice that my credit report is showing an 30 day late payment on XX/XX/XXXX. Today is XX/XX/XXXX, how can this be? Can you please help me correct this? Ive made a payment yesterday ( which Ive done before ) to get caught up and this has never happened. 

Thanks in advance for your help, 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