BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-17
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Account # XXXX XXXX XXXX Care Credit Synchrony Bank GE I entered into a debt management plan with XXXX XXXX XXXX XXXX XXXX XXXX which set up a program with Care Credit GE Synchrony Bank on my behalf. Prior to setting up the XXXX plan I cancelled a plan with another firm called XXXX ( due to service and fees ). Care Credit cancelled my XXXX account in error. I have made over 15 calls to Care Credit to speak with Care Credit XXXX with no access to their department and thus no response. No one at Care Credit would help addressing this mistake. XXXX has made XXXX calls on my behalf. Recently XXXX and myself tried to set up a XXXX conference call which placed us only in an automated message. I want to speak with Care Credit to address this mistake. My account has been negatively affected due to this misunderstanding

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 2017-02-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Barclaycard has been aware that a fraudulent account was opened with them using my information and they have not used any information I have provided to stop reporting this item on my credit report or unlink it from my information and actually investigate it. I 've attached a copy of the identity theft affadavit I have sent to them numerous times.

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 2015-07-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Here 's my story, I went to chase to take out a Loan in 2008 to by my wife a car. I contacted the loan officer for about XXXX days, They continued to put me off. After several attempts to secure the Loan, I decided that since they did n't want to help me with the loan I went back into my local branch and told the loan officer that I no longer wanted the loan, and paid cash that I had in my saving account. I was told that because they went through the process that I would have to pay them XXXX dollars. I could n't believe what I was hearing. So I thought that the matter was over. I checked my credit report and found that they charged me XXXX dollars and this is still on my report, I 've written to each agency and they would not remove this from my report. That my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
When I indicate a payment amount and date, the credit card verification page changes them. For example, just now I indicated I wanted to make a {$350.00} payment tomorrow from my personal bank account. The verification page showed a {$270.00} payment ( the minimum payment due ) scheduled from my business bank account. 

A few days ago I made a {$400.00} payment, indicating I wanted the payment date to be XXXX XXXX. The payment processed on XXXX XXXX, the actual due date of the payment, which I am sure incurred additional interest. 

This happens very frequently and I must be vigilant and correct the errors every time I make a payment. Last month I sent a comment to the credit card company and was told it was an error in their system that would be fixed. The next XXXX payments I made suffered the exact same problem. My comment sent earlier this month received a response that did not address the issue. I just sent another comment stating that I would take the issue to the next level, which is the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX I took out a XXXX loan from GE Capital. It was transferred to Synchrony Bank shortly after the account was opened. I did not receive statements or invoices from Synchrony Bank. I did receive a call after 60 days from their accounting/collections department requesting payment, at which point I mentioned the lack of statements or details on configuring automatic payments. I received no information on configuring automatic payments or statements, but was contact again each 60 days to make another {$630.00} payment. In late XX/XX/XXXX I got upset and asked that the representative or their manager to assist me with getting my online account setup so that Autopay could be enabled, and that I would make the payment online instead of over the phone. They assisted me with creating my account. I added my XXXX XXXX XXXX checking account to the methods of available payments. I had to clear the outstanding balance of {$630.00} before autopay could be enabled, so submitted a payment for the outstanding balance of {$630.00}. Afterword paying the outstanding balance I enabled the Autopay feature using the same XXXX checking account. After this I did not receive another call from Synchrony Bank until the morning of Saturday XXXX XXXX, at which time I was told that the account was now 3 months past due, and a payment of {$1300.00} was required immediately. I immediately made a payment to Synchrony Bank over the phone and inquired as to why auto pay was not covering the balance. The representative had no ability to check on my online account, they were only able to collect the payment. I went and checked my Synchrony account online and even though my bank account is clearly still a method of payment the autopay feature is disabled for my account. On Monday XXXX XXXX I received a collections letter from XXXX XXXX XXXX XXXX XXXX. The envelope was postmarked XX/XX/XXXX, the letter was XX/XX/XXXX The content of the letter started off with " The above referenced account has been referred to our office for collection. Previous attempts have been made by the creditor to obtain payment of this debt. As of this date, those attempts have not been successful ''. However the account was brought current 2 days before the letter was written, and the outstanding balance was zero as of that date. I found out that Synchrony Bank or XXXX XXXX XXXX submitted a report to the credit reporting agencies and negatively impacted my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Purchased a household appliance. The financing was done through Synchrony financial, one year interest free. Paid much more that the minimum payment. Was not able to pay off in the 1 year time frame. Now I am told that I owe interest for the loan for the entire amount of the loan for a year, not just interest on the remaining balance. This was never indicated in any way to me. I will never do business with this group again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have called a few times in the past to get an exact percentage as to what my interest is on my current loan and I have been given the run around on it. I was told XXXX different numbers which did not add up correctly when running the numbers through a spreadsheet then I was told it was in my promissory note. I checked that and that lead me to look at a XXXX XXXX number which did not add up either. Been lost in all of this and felt that I have not been told what is the exact interest number as it seems like it constantly changes. 

I understand the amount I have left, but what interest do I owe? If I gave you XXXX each 30 days, how much of that goes to the current balance and how much goes to the loan? And why does it change? How do I know what I am actually paying?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Access Credit Management, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2014 and Account was established or billed to me without my prior knowledge or consent. In addition, Access Credit Management who currently owns the debt has failed to provide any original application or documentation as per the Fair Debt Collection Practice Act, section 809. Also, the statue of limitations in the state of Arkansas for medical bills or debts is for 3 years, for contracts not in writing ( A.C.A. 16-56-105 ). 2 years from the date the service ( s ) was rendered for from the date in which the most partial payment was made ( A.C.A. 16-56-106. The time frame for both statues have been exceeded and puts Access Credit Management in Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have tried unsuccessfully to get Navient to lower my payments without any success.My payments are {$700.00} a month. I {$2000.00} before taxes. I have cosigners and they have been after them to make the payments. I am able and willing to make payments but not {$700.00}! My mom has been helping me out for the past few months. Her house burned last year and with the insurance money that she was to used to replace items in her home, she gave to me. I have called Navient numerous times asking for a reduction in payments and their only answer is my cosigners. Neither of my cosigners are financial able to help and both are retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My wife and I bought a house in XXXX and did some remodeling, etc. In XXXX when we refinanced our construction loan into a XXXX year fixed mortgage, the rate for our nonconforming loan was 6.25 % with Bank of America. The recession then wiped out a substantial portion of the value of our home - which we have not yet recovered. 

Since then, I have had several setbacks. In XXXX, I lost my job and in XXXX, my wife passed away. 

Since XXXX, I have repeatedly tried to refinance at a lower interest and can not, despite the fact that BofA already own the liability on the home through my current mortgage. I have been given many different reasons that we cant refinance, including ; " there is no tarp loan modification program that fits for jumbo loans, even though there is XXXX for everyone else '', '' your house does n't appraise high enough to meet the 80 % threshold '', '' you do n't have sufficient income history '', and " you need XXXX years income history for your own business. " I have been paying interest at substantially more than the market rate for more than XXXX years and feel victimized by the bank. 

I have never missed a payment, but it 's becoming more difficult with kids in college, with a lower income, and without my wife 's help. I simply want to refinance at a rate that makes sense in today 's environment, a rate that is fair considering the XXXX of people who have been able to refinance since the recession. I have done my part and now I need some help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: NM
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:
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 USC 1681. 

The letters are stated with items and issues. 

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 : It also states a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.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 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 2017-02-28
Company: ONLINE Information Services, Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
While monitoring my credit, this collection account showed up on my credit report. Immediately wrote them a letter requesting validation, bearing my signature, on XX/XX/XXXX and sent it out, certified, return receipt mail, which they signed for on XX/XX/XXXX. 30 days from the date they signed for this letter would be XX/XX/XXXX. There should have been a statement of dispute added to my credit report by the close of business on this day to comply with credit reporting laws. They wrote me a letter back on XX/XX/XXXX and indicated that their client confirmed the name, address and amount owed and sent a print up of a bill. This is not validation of anything. This is not the information I requested. I requested validation, bearing my signature, as the only person who can validate my signature is me. I wrote them a letter again on XX/XX/XXXX again telling them this is not validation and making a second request for the information I am legally permitted to request and receive. They responded on XX/XX/XXXX and basically said, we already sent this once, and we will do it again this time, but we do n't have to keep doing this, in so many words. They still did not send me validation. I then wrote them a final notice letter on XX/XX/XXXX, stating I felt they are acting in bad faith and that they have failed to comply with the laws and unless they took appropriate action, I would be forced to elevate that situation. They have completely ignored me since. I have attached copies of all documentation listed in this complaint as well as a copy of my credit report to show that as XX/XX/XXXX, my credit report still does not show the disputed statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX a XXXX Nebraska Sheriff knocked on my door. He told me that he was there to serve me with a Notice of Quit, which he then explained was a pre-eviction step. I was dumbfounded since, to my knowledge, we had been paying our mortgage every month. Turns out, we were having some confusion with the bank and our checks were Their l not clearing. This had been happening for about 9 months, and up until this point, we had received no communication whatsoever. We were not told that we were facing Their l foreclosure, we were not told that our home was being sent to auction, but magically, they were able to inform us that our house had been sold and since Nebraska has no buyback plan we were out of luck. Our only option was to go to the bank and take out a brand new loan, which we could n't get because of the foreclosure. Had Franklin American contacted us before the sale we would have been able to pay what was owed, but since we had no idea we were in trouble we took no steps to save our home, leaving our family scrambling for a place to stay. Their lack of contact/communication is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loan was for about {$30000.00} for XXXX school but the school went out of service about 10 years ago. I defaulted in XX/XX/XXXX after dropping out. In XX/XX/XXXX, my wages started to be garnished and had been garnished for the past 14 years and still paying. I had paid over {$50000.00}, since then, and still paying with balance of {$12000.00} left. Of the {$50000.00} paid, {$18000.00} has gone to the collection agency as collection cost. This is unbelievable since there is no end in sight. This means that the {$30000.00} loan is going to cost me {$60000.00}. Is this legal? Please help since my wages are still being garnished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sent a letter saying I owed on my XXXX account that I in fact paid off in XXXX of this year. I told them and they said they would submit a dispute and that I needed to send in proof. I have sent in proof XXXX times now and a letter telling them to validate the loan if in fact they are saying i still owe. I can not get them to stop contacting me and releasing this debit that i have proven I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PNC is servicing my mortgage. I filed for bankruptcy in 2012. Chapter XXXX. It was stated in the bankruptcy that I was going to sell the house on a short sale because I could not afford it and I would be moving to a more affordable area. Four months after I filed, I sold the house. It was XXXX at the time. The buyer was paying cash so there was no question of funding. PNC gave us the run around for a year. They never approved nor denied the short sale. They just kept asking for new paperwork. They always had a different contact and would always lose the paperwork. We asked to speak to the actual holder of the loan and pnc refused to give the information. After a year the buyers finally had to back out. There was no end in sight. I have since found out that the original lender was never even told about the pending sale. I asked the realtor why this was happening. He said that PNC gets money from the government for each month the short sale is pending. I had to wait till the value of my house went up enough so it would n't be a short sale. In addition PNC HAS REFUSED to acknowledge the bankruptcy. Refusing the lower payments set forth by the bankruptcy court. I am currently in closing on a second sale of the house. This should not be a short sale. They said it would take 10 days to get me a payoff amount. I 'm worried that it will be incorrect. They are basing what I owe and penalties on the original full payments. I feel this is wrong. If they had not DELIBERATELY held up the sale of my house I would not have incurred these additional charges and penalties. I also feel like all of the money they received from the government for holding up the sale should be credited back to my account. I do n't know what to do. I do know that my realtors have had several of the same issues with PNC with other short sales. It took them 7 mos to give us a single point of contact. And 8 mos to send out and appraiser. Please let me know what I can do. I know the payoff amout they are going to give will be wrong. Do I have any recourse to get this fixed after the loan has been paid off? These people are so incompetent they scare me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was originally With XXXX XXXX, then sold to XXXX, sold to XXXX and then sold to Bsi financial. Bsi financial does not answer their phone, return calls, and they lose documents submitted and Certain departments of BSI do n't even see me as a consumer. I keep submitting that I have insurance on my condo and when I call the insurance department of BSi they say no loan exists in my name. I could be making payments and sending my information to where? Also my interest rate keeps increasing every year. I can not afford this and when I submit paperwork they tell me it 's not valid or expired. I do n't want to lose my home. Today I waited 2.5 hours on hold and then a message came on to leave a voicemail ( I have done so and emailed but never hear a response back ). 
I was also told that my person of contact is a XXXX XXXX, I have called him, left messages, to no avail since XXXX. I can not connect with him. 
Something needs to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: SECURITY FINANCE CORP
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I lost my job and am unable to pay the loan and now they are targeting my spouse since she is the only XXXX with a job at the moment they call everyday visited and harassed me and my spouse called her work and went called our friends to contact us and she is very stressed out since they are threatening to take legal action to garnish her wages for the amount we owe.

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 2017-03-02
Company: Collection Technology Incorporated
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loans went into default. I worked with XXXX. XXXX XXXX XXXX to get my student loans out of default. I st up payments with them for a year and then at the year they told me they could no longer help me. My account was then sold to another collections agency with out my knowledge. I have been trying Contact my original loan service to see where the debt had went. They were unable to assists. Said i did not owe. Now my check is being garnished by Collection Technology XXXX XXXX XXXX and when i try to contact them i can never get thru. I have never recieved a bill from the new collecion agency however they were still able to process a wage attatchmnet. I have filled out several applications for loan consolidation and I am not sure which direction I should be headed in and who to reach out for help

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