BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-21
Company: Big Picture Loans, LLC
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a short term loan online XX/XX/XXXX at the website for Big Picture Loans. I did not receive any details about the loan but the money was credited for {$850.00}. I am still not able to view the online loan agreement and have requested but never received any copy. 

I thought I had paid off the loan but was still getting notices about upcoming payments. I requested that Big Picture Loans revoke my ACH agreement and asked for the payoff balance. 

The online account screen shows I still owe 8 more payments of {$200.00}. That would make a total repayment {$2600.00}. That is nowhere close to the cap of 36 % I expected. 

I have already paid {$1200.00} in payments but they say I still owe the full 8 more payments. The payments I have made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX should have been enough to payoff the loan, instead they claim it only reduced my principle by {$45.00}. That is not possible! 

I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/2018 along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. When I spoke to customer service they said my payoff, which included the payments I have already made is based on the interest rate of 550 % and they can charge that because they are a tribal lender and not subject to state or federal laws. I am a resident of South Dakota I had no idea they would be able to charge over 550 % interest. I do not live on their reservation, but they say that they do not follow federal or my state laws, that I am subject to their tribal laws. 

Please help me address my concerns about this lender and reach a resolution that is legal and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
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/2018 I signed a three year lease agreement on a XXXX XXXX from XXXX XXXX. At the time the car was not on the lot but expected to arrive within the week. They had told me it is showing on their database as in transit to arrive soon. I left expecting my XXXX within a week at the latest. Two weeks went by and I left for a family vacation without my new car, which I  expected to have for the trip. During my trip they called me to come in for a courtesy vehicle. On XX/XX/2018 I received the courtesy vehicle and again they told me my car should be in this week. They stated the computer showed my car in transit. On XX/XX/XXXX, I made a phone call to XXXX railyard. The manager said that vin number was not showing in her system which means it was not on its way. After that, I went to dealership to complain and ask if they could give me one of the four XXXX 's that were sitting on their lot. They stated it was out of their hands and they could not because I had signed a lease to a particular Vin Number. They continued to tell me my car was showing in transit. I have also been in contact with cooperate headquarters. They could not give me any answers nor were they willing to help me. I wanted out of my lease and after three weeks, I never received an answer. On XX/XX/XXXX, after a phone call to XXXX, I learned my car was finally showing " in transit ''. It's arrival date was XX/XX/XXXX On XX/XX/XXXX, I went to XXXX to pick up the vehicle. They were not willing to make this situation right in anyway. They put the blame on cooperate and cooperate put the blame on XXXX. I was inconvenienced and lied to for almost two months and all XXXX offered was to pay my two lease payments ( which I never actually had the car ). I am very disappointed and completely unsatisfied with XXXX XXXX of XXXX, Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I tried several times in XX/XX/XXXX-XX/XX/XXXX to open a checkings account, and to my acknowledge i was unable to open a bank account because they were previous accounts open up in my name, that i was unaware of. My identity was stolen in XX/XX/XXXX, but apparently many things were opened, received, and borrowed under my name. i requested a report from XXXX XXXX, and to my knowledge these accounts does not belong to me. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company refuses to mail me my statements in a timely fashion. I did not receive my statement until 5 days before my payment is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reached out to Equifax by phone and mail and I was explained that they would be deleted but are still showing on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 had an online approval for a Capital One credit card. To activate the card the sticker gave instructions to download and app and the with one click, the card would be activated. For others they gave a URL that was incorrect. When we find the right page for the Capital One website we are told to call Capital One to activate the call. When we call Capital One we are then told to give them a cell phone number on a smartphone and with one click the activation process would be completed. Without a cell phone, we are told to we muct submit documentation : Have a camera that connects to the internet, have a scanner or a printer to mail the documentation or have sufficient broadband to upload photos of the documentation. Then we are told to wait an indefinate period of time to hear from them if the card can be used. 
This is after we have given all our personal information and identifiers during the application process and after the card has been approved. 
Essentially these type of practices discriminate against people without smartphones, cameras with internet connections, printer and scanner, and broadband internet access.. This discriminates against the elderly, disabled, people living in rural areas and others..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TFS FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Third Federal- XXXX XXXX XXXX XXXX , Ohio XXXX -opened an equity line of credit on my home which resulted in a first lien being placed on my home. I had no knowledge of the account until XX/XX/2019 when I had a second mortgage opened through my bank. I contacted Third Federal and they told me I had a credit limit equity line of {$21000.00}. I explained to them I did not want an equity line of credit with them and to close the account. I explained that I have never used the credit line ( which each monthly statement shows a XXXX balance and XXXX available credit ). 
Every month Third Federal sends me a bill with the same information. A XXXX balance, available credit, and payment due. I have requested multiple times to close the account and have the lien removed off my home and each time they have me submit different documents and speak with a representative but someone it is not closed out. 

This month they sent me another bill ( attached below ) and I contacted them again to explain the situation as I have done monthly since XXXX. /a very rude woman assisted me and told me that there is nothing they will do about the fraudulent account and the fraudulent lien on my home. I asked to speak with a supervisor and she told me no one could help me. I contacted my attorney and she explained that I need to file a formal complaint and sent me the proper links to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. For the last 16 months Ditect has not responded to 16 certified mails requesting a monthly mortgage statement. ( All dates and tracking numbers available upon request. ) No response at all. They have previously responded to address, email and phone number. No mortgage statement has be sent to me. Our records indicate the entire mortgage was paid in XX/XX/XXXX with the last payment, Check # XXXX. Certified mail w/returned signature : XXXX XXXX XXXX XXXX. There has been no response to the request for the delivery of Deed of Trust or the Promissory Note. 

2. Because not statements have been received for 16 months, reviewing the tax statements from XXXX Ct , CO. it appears there was an overage of approximately {$150.00}. Where has this money gone? Was it rolled over into the next years tax account? No refund was ever sent to the mortgager. 

3. Physical records indicate payments received i.e. XXXX of the month via certified mail. Their documents to Credit Reporting bureaus show late fees accessed and reported late payments on XXXX of the month. This has happened several times resulting in a decline of over 100 points in my score. This is blatant consumer fraud, the same as the Attorney General of Massachusetts fined Ditech {$1.00} XXXX to settle allegations it had violated Massachusetts debt collection laws. This is in violation of the F.C.R.A. 

4. It has been necessary to consult council and we are proceeding with legal actions against Ditech. They refuse to release Deed of Trust although all principle has been paid. According to our records, accompied by monthly certified mail receipts, there are no late fees. Each month was paid in full before the due date. We pay the insurance, and because of no response from Ditech, can only guess where the current tax escrow is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I purchased my home and received a FHA mortgage through Wells Fargo, the cost of my home was $ XXXX. 

In XXXX, I went through the FHA HAMP program where they remodified my loan because I was having trouble making the payments. The loan did not substantially reduce my monthly amount. I went from {$2100.00} to {$2000.00} a month. 

Unbeknownst to me, a 2nd lien was placed on my property, through HUD through using a company called XXXX. To the tune of $ XXXX that included back payments, reduction of principle and legal fees. 

I find this out as im in the process of selling of my home and the balance that I owe Wells Fargo is $ XXXX + the $ XXXX from XXXX equals to $ XXXX. MORE than what I paid from my home. 

This is extremely deceptive and fraudulent. I know that Wells Fargo has been in hot water recently for such a thing and my immediate plans are to join the class action suit as there are thousands of consumers by me who have been duped by Wells Fargo. I would never advise anyone to get a mortgage from them.

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 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30  days late as of XX/XX/2017 I am not sure how this occurred. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21
Company: Navient Solutions, LLC.
State: IL
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 was making overpayments towards my XXXX XXXX loan through Navient. I had selected the " Quick Pay '' option not realizing that overpayments would not be applied to my principal. 

I got ahead in my payments and for a couple of years enjoyed " {$0.00} due '' on my statements. There was never any indication how ahead in my payments I was. 

However, my balance never went down. My balance remained at " {$3800.00} '' between XX/XX/XXXX until XX/XX/XXXX when I noticed that my balance hadn't moved. 

I called my servicer and they told me that overpayments only pushed my payment date back. Any money would be applied to unpaid interest, and the rest would push my due date back. 

I asked my servicer to reapply my payments to go towards my principal ( which i thought i was doing anyway XXXX and they refused. I paid {$970.00} towards interest only between XX/XX/XXXX and XX/XX/XXXX. There were many months where money wasn't applied at all. My balance never moved. 

If I didn't catch this, there's no telling how long this would have gone on. 

It's frustrating because I was AHEAD in my payments and my balance didn't move AT ALL. Had I made my payments as normal, my balance would be hundreds of dollars lower. 

NAVIENT STOLE {$970.00} FROM ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, 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:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$320.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : Inaccurate Balance : Should be {$0.00} Past Due : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice from Convergent stating I owe a debt in the amount of {$520.00} I have mailed a letter to the company XX/XX/2018 stating this debt was due to identity theft and does not belong to me. I have received repeated attempts to collect this debt after sending letter asking agency to stop.

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 2020-08-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed 12 of my accounts in one day : 1 ) Paypal credit card 2 ) Paypal Mastercard 3 )  Amazon Credit card 4 ) XXXX credit card 5 ) Chevron major credit card 6 ) Tj Maxx credit card 7 ) Tj Maxx Mastercard 8 ) Sam 's Club credit card 9 ) Sam 's Club Mastercard 10 ) Gap credit card 11 )  American Eagle credit card 12 ) American Eagle credit card I was not given notification prior to their decision to closed 12 accounts. I found out on Tuesday, XX/XX/2020, that my accounts were closed by Synchrony bank on XX/XX/2020. I was trying to make a purchase using my Paypal Mastercard and it was declined. I called Paypal to find out why my order was declined. This is when I found out that ALL my accounts with Synchrony bank were CLOSED. I never had a problem paying my accounts. I have a 100 % payment history with ALL my credit cards. I used less than 10 % of my credit limit. I did not request that any of my accounts be closed. This is very dismissive the way Synchrony treated me as a loyal cardholder. Especially at a time as this. It seems that Synchrony would actually care about their cardholders that paid their bills ON TIME, multiple times a month, EVERY month. I never maxed out ANY of my Synchrony credit cards. Plus, they closed four accounts that had balances. This is completely unacceptable for any bank to do.

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 2018-07-01
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company to let them know that this must be an error. They put this information on my report without contacting me. The original creditor was not owed and also if they were the debt was pass the statute of limitations for collecting due to utilities such as TV, cable, internet and phone has to be collected within 2 years from delinquency. All said I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: TX
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's been well over 30 days and I haven't recieved any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
the bank recently close my account for no reason and they refuse to return my money. 
i called them several times but they not give me any response

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 2020-05-12
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was attempting to remove a security freeze from my account at experian. For an unknown reason the website would not let me validate my information and remove the freeze. The site directs me to use postal mail to remove the freeze. I do not have access to postal mail that will arrive in a reasonable amount of time, as I am a servicemember XXXX overseas. The phone numbers for experian available on their website all result in electronic prompts that dead-end into a hang-up without being able to reach a person during business hours.

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 2021-03-25
Company: EQUIFAX, INC.
State: MI
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:
In XX/XX/XXXX, I was in an accident with grandmother, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from XXXX XXXX XXXX for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the original creditor ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: National Credit Systems,Inc.
State: IN
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:
Please see the attached letters from the Federal Trade Commission. I request that the accounts of XXXX XXXX and XXXX XXXX be immediately from my XXXX, XXXX, and XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
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:
Someone forged my name on an auto car loan, with a company I've never done any business with and have reached out numerous of times and provided documentation explaining the information they have on file is the result of forgery, this company is apprehensive regarding removing this account from my records due to the information on file matching my personal ID and SSN. The document 's attached list an address I never lived at and signatures that's not mine, the wire transfer and bank statement they have on file or forged and or doesn't belong to me and may be the result of wire transfer fraud

Company response to consumer: Closed with explanation