BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: SYNCHRONY FINANCIAL
State: NV
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:
The Collection Department of my Care Credit Account, issued by Synchrony Bank, contacted me in the afternoon on XXXX XXXX, 2017. They called inorder to inform me of a deliquent pass due amount of {$20.00}, that was carried over from XXXX, was being combined along with a {$38.00} late fee ; as well as, an interest charge of XXXX. I received a few weeks ago, an invoice for the month of XXXX that was dated XXXX XXXX, 2017. On that invoice there was an itemized breakdown of all charges and fees that had accumulated durring the previous billing cycle, as well as, a total minimum payment of {$100.00} due on XXXX XXXX, 2017. However, when adding the late fee of {$38.00}, the interest charge of XXXX, and the carried over {$20.00} balance from the previous month, the total amount only came to {$86.00}. I inquired about the remaining {$13.00}, but the manager on duty was unable to identify the justification for the {$13.00} difference. Furthermore, my copy of the XXXX XXXX, 2017 invoice excluded the appropriation of the {$13.00} remaining difference. I would like to have the {$13.00} charge removed from my {$100.00} minimum payment due on XXXX XXXX, 2017 ... Thank You for your Assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: WELLS FARGO & COMPANY
State: GA
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:
Attn : Office of the CEO - Wells Fargo I've always paid off my balances in full with Wells Fargo. I hardly carried any balances on my card or any other credit cards. I received offers for a 2.9 % balance transfer rate through Wells Fargo bank with the the payment of a transaction fee. Given the promotion and understanding that a low interest rate ( 2.9 % ) payable over months was a viable option when I became the victim of credit fraud ( XXXX XXXX Sheriff Department Case # XXXX ), I took the offer, thereby utilizing my credit lines with Wells Fargo XXXX and for which they charged a fee. It was then surprising to notice today that my credit line was being reduced to what the borrowed amount was. By doing so, my credit utilization has significantly dropped, despite me paying more than the minimum each month and well ahead of my XX/XX/XXXX date to payoff. This will indicate that I have a high utilization and a credit risk, whilst Wells Fargo forces me to pay off the balance to lower my utilization. Having paid the transaction fee, I purposefully didn't see an incentive to pay off the balance each month since the offer extended through XX/XX/XXXX. I am requesting Wells Fargo to reinstate my credit lines to the levels they were at since this reduction will cause lenders to think I am credit risk, for which I am not. Alternatively, they misrepresented their advertising. if they are unwilling to re-instate, then they should credit back the cash advance fees and I will pay off the balances in full. They can not have their cake and eat it, as their promotions is the reason I took the advance, understanding the time value of money. This should be done immediately and my credit report updated accordingly.

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 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/18 I went to a bank of America ATM to withdraw {$50.00}. The ATM did not dispurse the cash, but gave me a receipt. I moved to the next lane to do another withdrawal for {$50.00} and the cash was disbursed and gave a receipt. I contacted my credit union XXXX XXXX and they credited my account back while they investigated. Once the investigation was complete Bank On America came back saying the ATM was not out of balance. So XXXX XXXX  too the provisional credit back and caused my account to go negative. I contacted Bank of America and advised they look at the video the camera records every transaction. They stated they only review video if they have a police report number. I have yet to get anyone from Bank of America to help me. I know the first ATM did not give my cash and I was not the only car. It's {$50.00} but it was my {$50.00} that I work for. I have 2 transaction receipts in which the first did NOT dispense the cash.

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 2017-11-16
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: Old information reappears or never goes away

Complaint:
XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at XXXX my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as XXXX is doing illegal collecting and reporting porting practices to all three credit bureaus.

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 2017-07-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
SPS responded to an inquiry I submitted on XX/XX/XXXX. In their response SPS stated they need documentation to change their position that they are not the Servicer and have no financial interest or any other interest in my home. There are 5 issues at hand. First, SPS continues to erroneously insist that I owe on a mortgage they purportedly service. They have failed to provide proof for any assignments from the so-called trust XXXX Mortgage-pass through security XXXX nor any written proof as required under the Qualified Written Request that the security exists. To the contrary, I have provided proof of SEC documentation that the trust was terminated in XX/XX/XXXX. Additional documents are contained in this complaint. Second, attached are several more written documents that refute SPS claim the Trust or the parent company, XXXX , XXXX- a Delaware Company exist according to the Secretary of Delaware . There is no way SPS can represent the shareholders of the XXXX Mortgage-pass through XXXX if the Trust that SPS claims to represent has been terminated as a business entity ( Secretary of Delaware ) and as a Trust ( according to SEC ) since XX/XX/XXXX Third, SPS claims to be the servicer for the shareholders to the XXXX Mortgage pass-through XXXX Trust. Attached you will find a notarized and recorded document where XXXX claims to represent the shareholders of XXXX Mortgage pass-through XXXX Trust as its Servicer. ( See Attachment page 8 ). Fourth, the XXXX Mortgage pass-through XXXX Trust SPS claims to service is for a Home Equity Loans. The documents ( Deed of Trust ) SPS provided are for a home purchase not a home equity line of credit. ( See attachment-XXXX Structured Finance, page 1, midway down the page ). Fifth, in XX/XX/XXXX, XXXX XXXX filed a XXXX with the SEC where XXXX claims to represent the shareholders of XXXX Mortgage pass-through XXXX Trust ( See attachment-SEC XXXX filing exhibit XXXX, page 3 ). Finally, SPS does not have any financial interest in my property for the following reasons ( not an exhaustive list ). There is no Trust, according to the Secretary of State of Delaware for Corporations and the Security Exchange Commission ( SEC ). Notarized court documents by XXXX proves they are the Servicer of Record for the XXXX Mortgage pass-through XXXX Trust. Documents filed with the SEC by XXXX XXXX states it is the Servicer of XXXX Mortgage pass-through XXXX Trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Prosper Marketplace, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received approval for a credit card from Prosper Marketplace , Inc. XX/XX/2022, and to this day XX/XX/2022 I have not been able to activate or use the card. I have called their support number XXXX at least 30 times and was able to reach a rep once who sounded like she was on mobile phone instead of a in a call center. I tried explaining my problem but she kept saying she could not hear me and eventually hung up, so I emailed them at support@prospercards.com on XX/XX/2022 hoping i would get some help and the response I got back on XX/XX/2022 was " Thank you for contacting Prosper. We apologize for the delayed response as well as for the extended hold times. We are experiencing increased call and email volume due to high demand. Please provide copies of your Social Security Card and driver 's license by replying to this email for further review and account updates. We will then reach out about the account findings and/or resolution when those details become available. Thank you for your cooperation. 

For further questions or concerns, you may contact us at XXXX, M-F, XXXX XXXX - XXXX XXXX EST. Thank you and have a great day! '' So here I am a month in with a credit card I can't use and no one at this company will answer the phone and they want me to send a Social security card and driver 's license to them via email? Why I already have the card, but at this point I think it is just not worth it to have this card seeing all the hoops I have jumped through and still no resolution.

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 2022-02-18
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company. They shouldn't have access and that's a violation under the HIPAA Act of 1996 which state, Generally, your health information can not be used for purposes not directly related to your care without your permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company made numerous calls following dispute of debt in violation of FDCPA.

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 2021-04-14
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a refinance on XXXX XXXX with Third Federal. We entered the date that we requested to close on the refinance for XXXX XXXX. We submitted additional documents after the initial application and Third Federal did not communicate that they were not able to close by XXXX XXXX. Our credit was pulled, we submitted w-2s, bank statements and tax statements at a later time than the XX/XX/XXXX. At no time did they include or disclose that we would not be able to close on the date requested. We contacted them the week of the XX/XX/XXXX to find out the status and a date for closing. We were told that it would be 4 months possibly more depending on underwriting. XXXX XXXX with the XXXX office told me on Tuesday XX/XX/XXXX that half of the application had not been reviewed. I asked if anyone was going to contact us to let us know that we were not closing on the date asked and she said no why would we. An appraisal was done on the property and would not have been done, and an extra pull on our credit. Third Federal was not clear about their business practices and let us think that we could pick the date to close by posting it on the application. They also did not provide a rate lock and have no idea what the rate could be in 4+ months. It was very misleading and a misrepresentation of their process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: A-L FINANCIAL CORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Since  XXXX  -- -- - I have had savings and a money market accounts at the Citibank, which I opened on  XXXX , Florida. On  XXXX / XXXX / 2016  some unknown person requested at a New York Citibank agency a temporal ATM card. Surprisingly the ATM was given to him, which is against the rules because the bank sends the cards only to the clients registered address. With that card that person obtained a new pin and withdrew, using an ATM machine, {$1400.00} and {$100.00}. Later he withdrew {$9700.00} from inside the Agency. At the time of these fraudulent withdrawals I was in  XXXX , as it could be verified by checking my passport. On  XXXX / XXXX /   2016  the bank returned to my account the money that had been stolen by ATM, but they did not want to return the {$9700.00} that had been withdrawn at the ticket window, adducing that the money had been withdrawn using a debit card. In spite that I sent a legalized statement they never justified on writing the reasons for their denial. I enclose a complete description of this scam I have been a victim from.

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 2020-09-15
Company: TRUSTMARK CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Filed a dispute with the credit bureau XXXX and XXXX removed them XXXX left one XXXX refused I filed the theft report and sent to both companies and XXXX  with no results I keep all my payments up to date I did have to file bankruptcy in XXXX due to my wifes XXXX bills but since have been trying to build my credit plus I have 39 hard inquiries that I didnt request XXXX XXXX  XXXX.and XXXX  XXXX  XXXX which was purchased from another company they said payments had be made on it I requested them to send me copies of payments because Ive been with the same bank for 30 years and no proof was every sent also XXXX XXXX for XXXX I have a access one credit card to cover any out of pocket cost I filed the fraud report and sent the required documents to each lender and to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XX/XX/2018 Spoke with XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Michigan. Balance {$610.00}. Paid XX/XX/2018. Paid collection off for deletion off credit reports.

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 2019-02-09
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have private student loans with discover. There are a number of loans and I have been struggling to pay and get a lower payment. They charged off several of them on XX/XX/2019. They claimed that they called me but I never received the call and they did not leave message. They called on XX/XX/2019 and I spoke to them. I asked about reversing the charged off loans and was advised that they have a great reversal department. When I called that department after bringing the remaining loans current they advised that they would not reverse but would settle for 70 % of the amount owed but that I would have to make a down payment of over {$7000.00}, and that the loans would have to be paid off in 5 years instead of 10. I advised that that was quite obviously impossible to which they responded there were no other options. I am trying to pay the loans and work with them but they make it such that even with their so-called options it is still impossible to pay. So essentially the only option is to have mine and my father 's credit forever ruined. They are worse than loan sharks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage company, located in New Jersey has fraudulently enticed me to refinance through freedom mortgage, who is also my current mortgage lender - by falsifying documents, pressuring me to agree to illegal terms, and fraudulently charge illegal fees that do not apply to me. I have been in constant communication relating to the false documents and charges with freedom mortgage and their legal department- who have failed to correct it, but admit that freedom mortgage has acted incorrectly. 
Therefore, due to not being able to refinance as initially agreed, only due to the intentional delay caused by freedom and because I will not agree to false charges, I am still stuck paying PMI, Freedom mortgage holds my escrow account which also should have been refunded through the refi, and cost me so much time and effort to prove their lies and constant violation in truth and lending practices and violation of RESPA Please help take action against this lender who is well aware of their violations and makes no attempt to correct it.

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 2019-02-09
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently filed disputes against common wealth financial due to incorrectly reporting accounts to all 3 credit bureaus. In doing so, common wealth has deleted the accounts then posted these accounts as if they were recent hospital Bill 's,  basically re-aging these medical accounts fraudulently. I have received notifications twice in 23 months that this company has been found to have incorrect data and be deleted only to hit my credit months later looking like a new debt and hurting my credit score and reports immediately and causing me to look irresponsible to other cerditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: NC
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:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2021-03-08
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.

Company response to consumer: Closed with explanation