BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In mid XXXX XXXX wells Fargo called me and asked if I wanted to do a settlement on my credit card for {$1700.00} on a 9 month payment plan. I was told I had to make first payment within 30 days. on XX/XX/XXXX i mad a {$10.00} dollar payment on my bill pay just to see if I could pay the debt through my online account it went through. i called wells and asked them if i paid the {$1700.00} within a month would the do a paid to delete they said it was not something they do but didn't have a problem putting paid as agreed. on the XXXX of XXXX i paid {$180.00} on my bill pay. as agreed that was the date i agreed to pay first payment. On the XXXX of XXXX I gave them {$850.00} this is were it got all messed up on the XXXX of XXXX i called to pay the remaining balance of {$500.00} I was told i had a remaining balance of {$180.00} and the {$180.00} payment never went through on my bill pay and wasn't showing i ever paid it or it was ever processed to be so after about 5 hours on the phone we all agreed that i was to pay the XXXX again i told them i had no money left to pay to times so i paid the last {$180.00} the next day the {$180.00} came out of my bill pay that was agreed wasn't suppose to come out so after another 4 hours on the phone and un countable transfers was told it would take 10 business days to investigate. i was very upset they would even give me a credit after 10 working days I called and said one was never started with the write department and had to start over another 10 working days and about 7 hours on the phone was told would fix credit to paid as agreed for the inconvenience. and reimburse the over payment that they still owe me then in in XXXX I called again spent 3 hours on the phone and after two week came back with no return of money and will not fix credit as agreed i would have paid all in a month and spent my whole stimulus check plus money if i had know all this

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 2021-08-02
Company: KLS Financial Services, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
kLS financial never sent me written notification that a fraudulent charge ( reported to XXXX by me fall XXXX ) was going into collections. Spoke with KLS XX/XX/XXXX explaining charge was fraudulent and wellsfargo disputed it and account was closed. KLS did notify in writing that the charge for XXXX $ was going into collections 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 explanation
Consumer complaint received 2016-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I went directly thru Bank of America to get pre approved for my car loan. Once I found the car I wanted to purchase I went to the dealership and took with me the approval letter. I called Bank of America to get the status of the Loan a week after having my new car. i was told that because I had gone to a preferred dealership I needed to follow up with them. I was really upset and explained to them that the main reason I got approved directly thru Bank of America was to avoid dealing with the dealership. I immediately asked for my issue to be escalated. The representative said she would escalate the issue but I never received a call from the escalation department. A few days passed and the dealer contacted me stating that my rate had increased due to having been {$1400.00} over my approval amount. I called the lender again and was told that all was resolved and we reached a new agreement. A new approval amount was uploaded to the system and when the fewer called to confirm new terms Bank of America said that the loan was back in UW. How can an approval be given in WRITTING before an UW looks at it. Again I called lender and they said that I needed to go back to my dealer for answers. Why do I have to go back to the dealer when they did n't tAke care of my financing? I submitted my loan directly thru bank of Americas website!!! To make matters worse I was. Ever assigned a loan officer and ifs a loan officer is assigned it 's out of formality because no one has ever reached out by either mail or phone to introduce themselves, which makes this process even more confusing. So to sum it all up I was not assigned a point of contact, I am being mislead as to what the reasons of various UW are and although I have asked for my loan to be escalated no one has reached out. My application is about to expire on XXXX XXXX and I refuse to have my credit pulled again when it 's not my fault.

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 2016-09-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
ConServe sent a wage garnishment to my employer in XXXX 2016. After completing wage garnishment calculation sheet with my employer ; I called ConServe to see about getting into a REHAB program. I spoke with XXXX and he walked me through several online and printed documents that I had to complete to supposedly get into this so called REHAB program. He told me that my employer could hold off on the wage garnishment until a letter from XXXX XXXX XXXX is received that would change my payment to $ 5 month and he then said to ensure that this is done, I needed to make XXXX {$5.00} payments over the phone. I did this by giving him my account information. My employer called me in to say ConServe had called her and that the wage garnishment that we calculated would have to begin immediately at which time I called ConServe again to find out what is going on. I was told at that time that the {$5.00} payment was being made to Conserve to REQUEST a payment reduction or CANCELLATION from XXXX and that I would have to continue to make XXXX consecutive {$5.00} payments ON TOP of the wage garnishment payment before a request would be made to XXXX XXXX XXXX. It 's now XXXX and I 'm still completing paperwork in regards to a {$5.00} payment and still being garnished for the calculated amount. None of what they say, make any sense to me. There is no way XXXX will stop a {$22000.00} debt based on 5 consecutive payments made on time. I 'm trying to get them to be honest with me, because why should I pay them {$5.00} a month to ask XXXX something that I know will not happen. It 's crazy and they 're being very deceitful. XXXX should be ashame of themselves for contracting such an unprofessional company to manipulate hard working individuals ; who clearly do n't have the money to even pay back these loans. It 's not that we do n't want to pay ; but times are hard and the money is simply not available at the time. To hood wink someone into making payments like this is TOTAL FRAUD! I WILL BE MAKING A COMPLAINT TO DEPARTMENT OF EDUCATION AS WELL!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was in repayment with Navient over a series of XXXX private loans I have with the lender. I set up a payment schedule and have been paying XXXX a month as agreed by the lender. They continued to take my monthly agreed payments and in the mean time defaulted the loan. They claim to have sent letters however whenever we spoke about payment agreements they always failed to mention that I was in default after 2014 when the loan was offically filed as default. Prior to this they used aggressive collection efforts including calling, my old jobs, family, and person friends. They are a very crooked company that will stalk you with 20 calls a day from multiple location to get money out of you. It 's terrible, I should n't be in default. I was meeting my part of the agreement. This is side of Navient tha deals with private loans. XXXX is there number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX have reported an account to the credit bureaus that does not belong to me this account was in direct result of identity theft they have been notified of this incident and I filed a police report with the local police department regarding the identity theft and this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Synchrony bank - XXXX XXXX XXXX Card - charged me for Card Security without my knowledge. I never signed up for card security program and was charged for this without my authorization. I reached out to them and they know they committed fraud and gave me back a portion of my money and said they would open up a case on get back to me. Of course they never did. I call them back and they say the same things every time and I get nowhere. I tried to request all of my statements for the card but they only sent me the statements for the months they refunded me my money so they are holding out on the evidence that shows they committed fraud. XXXX XXXX XXXX is just as guilty they must get some kick back for signing people up with out them knowing. The paper work we got from XXXX XXXX XXXX showing Synchrony bank didnt show where we signed up for this. How can I hold them accountable for their fraudulent actions? What actions can I take to get my money back?

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 2017-03-29
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Everytime that I call Navient I get a different response, I 'm trying to lower my payments, twice they have forbereance my account and add interest to it at the end of forbearance also I tried the IBR program which it said for 10 years but then they sent me letters that I need to reapply every year after the forbearance is over and the payment is way to higher that I cant afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
please removed from credit report affecting my credit score

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 2021-08-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good Day My name is XXXX XXXX. I am an XXXX XXXX service connected veteran with a service connection of 40 %. Just recently I was released from federal custody to direct home confinement. I am now beginning to receive my XXXX checks again but while I was away I had a major issue with USAA bank as they allowed my XXXX checks to go into another account number without my approval for 11 months. Because of this I was then told by the government that I owed the government and in order to be able to receive my benefits again I would have to repay all that was owed. 
You see I self-surrendered myself to XXXX XXXX XXXX XXXXXXXX ( located in XXXX, Minnesota on XX/XX/2017. For the first 6 months of my XXXX  the VA continued to send me my full payment of 40 % when it should have only been 10 % due to incarceration. A state XXXX for Minnesota who works out of XXXX ( a Mr XXXX  XXXX ) helped me to put in for a reduction in my benefits so that they could be reduced to the 10 %. Somewhere in this process my information was switched and my account routing information went into another account number. While talking to a USAA representative they told me that I have to take it up with the people who issue the checks. It's my belief that it is the banks responsibility to ensure that no ones check goes into another 's account without consent. Following this whomever owned account received my payments for the next 11 months. When I found out Mr XXXX and myself put in for an audit and this is where the information was revealed. In the attachment below you can see what I am talking about. Debt Management then said that I owe the VA {$6000.00} in order to reinstate my benefits. I can understand owing the government 6 months repayment at 30 % but to say that I owe XXXX is crazy especially when USAA allowed my monies to go into another 's account. Next Mr. XXXX and myself just stopped the payment period. 
Now that I am released, I'm trying to get my benefits reinstated and rectified but it has been a fiasco. I contacted the bank who gave me no help whatsoever. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they said that no students were there over the summer. I reached out to the IDVA ( Illinois Department XXXX XXXX XXXX ) and they connected me with affordable legal and finally that's how I got connected to you. I pray that you can help me in this situation and that it will all be over soon. 

Thank you in advance for your time and consideration Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am extremely angry and dumbfounded at the way Citi Mortgage has been handling my case! At first, I was advised I needed to provide all necessary documents to get a review for My City modification and Principal Reduction Program. My home is severely underwater and I was advised by my lender that I do qualify these programs. Now I am getting noticed that my account will not get reviewed because of a court that I was already granted my home back! Please review the letter and evidence of my case because it is so unfair that I am not getting reviewed!

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 2015-09-16
Company: CITIBANK, N.A.
State: ID
Product: Credit card
Issue: Advertising and marketing

Complaint:
This phone caller continues to call my home phone number repeatedly regarding billing, products and collections. I have never had an account with said company nor have I applied with them yet they call my home phone repeatedly. Please have them comply with your recent Consent Order # XXXX. The number of the caller has been XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: Thaxton Investment Corporation
State: SC
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
XX/XX/2017 XXXX : I received a call from XXXX at Southern Finance at XXXX SC XXXX. XXXX told me that a check had been cashed in my name, and that repayment was expected. 

Suspecting a scam or con-job, I asked for additional information. XXXX told me that they had mailed a check to me and that it had been cashed. I told him I did not know anything about this. XXXX provided a SSN and DOB that match mine. 

When I asked him, XXXX told me that checks had been mailed as a promotion to many people, and that cashing these checks was acceptance of a loan with interest in the 40 % area. XXXX told me that they had obtained by address, SSN, DOB, and credit score from XXXX. 

I told XXXX that I had not received any such check, nor had I cashed any checks in that amount. XXXX tried to tell me that a relative or roommate must have cashed it, and that I was responsible. I have no relatives in the area, and live alone. XXXX told me that someone must have taken the check from my mailbox, and said that he needed me to present myself to him in person to " get to the bottom of it. '' I declined to do so, because I believe he would try to trick me into giving him information to add to his file and make it appear legitimate. Specifically, I think he would have tried to trick me into letting him copy my ID to add to the file and make it appear that I had applied for the loan in person. I think that security camera footage showing me in his office would be added to the file to make it appear as though I applied for the loan in person. 

I believe that the practice of sending out checks for loans that were never applied for is deceptive and predatory, because many people receive many checks from many sources, and would believe such a check to be a payment from a client or a settlement, and deposit it without realizing they were obtaining a high-interest loan. 

I believe that this contact from Southern Finance was an attempt to commit fraud and collect on a loan that does not exist.

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 2021-08-02
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My school district tax payment is due for a discount on XX/XX/31. I did not receive any information from PHH Mortgage about this payment, so I assumed that they received the tax bill. I assumed as much because, in XXXX, I was notified by them that they did not receive the XXXX XXXX tax bill that was due at a discount on XX/XX/31. I have had other issues with them in the past, so I contacted them on Friday, XX/XX/XXXX. They informed me then that they did not receive the tax bill. When asked why I wasn't notified, they could not provide an answer. I'm actively trying to obtain a copy of the tax bill and forward it for payment, but they haven't provided sufficient lead time, and I am concerned that they will not be able to pay it at the discount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call restricted or different numbers at any time day. All I know is that its ARS collection agency. I really dont know much about my case so I dont know if this is real or a scam. But they call at any given time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My XXXX  XXXX XXXX XXXX was repossessed by Capital One Finance. I was not notified of the sale of the vehicle I was only sent information after the sale and what amount was received. I reviewed the code of VA regarding repossession and the rules were not followed. I received no notice about the auction time date or place. I advised Capital One of these facts they have had no response. My vehicle was illegally taken the regulations were not followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CHILDSUPPORT XXXX CHILD SUPP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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