BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 a man came to my door to sell a vacuum cleaner. He stated i had 24 hours to return it if I decided that I didnt want it. I phoned the gentleman that sold me the vacuum ( his name excapes me ) and he stated that he couldnt pick it back up because he was headed to XXXX and wouldn't ba back until late ( at this time we are now 16 hours into having the vacuum ). I reminded him that i only had 24 hours. He told me not to worry that it would not count against me. He came back 48 hours later ( approximately ) with his wife in a mini van to pick it up. He kindly said that he regrets I couldn't keep it as he was in a contest for the employee that gets the most sales, at that he left. Now I am being charged along with interest for this vacuum I never used and do not have. When speaking to a XXXX rep ( financial service for the vaccum ) they said the vacuum was not in the possession and I am responsible for it. Im now on the hook for {$1200.00} ( the original amount ) plus interest for the total sum of {$2200.00} I am highly upset because not only do I not have the vaccum XXXX to be exact, It has had a very negative impact on my credit. The interest continues to collect and is very stressful. XXXX os the original creditor and it has now been put in collections with Monterey Collections Services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This year in XX/XX/2019, I sent Navient an IDR form letting them know I have no income, due to XXXX  XXXX and being left destitute by my abuser. Yet on XX/XX/2019, they harass me by letting me know of amounts like {$26.00} is due. They accept the IDR form, yet they continue to harass and charge me. I have no income, money, nothing. Its predatory. I've defaulted on my loans, then filled IDR forms, due to a history of poor health and abuse. Yet they harass and badger me after they accept the IDR form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage rated was fixed for ten years, then went to a variable rate. The last fixed rate payment was due and paid XX/XX/2016. The loan was originally through XXXX, but after many changes is now with SLS Servicing. When SLS changed my rate, effective XX/XX/2016 they dropped it two points, from 6.625 % to 4.625 %. They told me the new rate, per my contract, is the LIBOR ( then 1.55011 % ) plus the index ( then 2.75 % ) for a rate of 4.30011 %. So I asked why I was getting a new rate of 4.625 %, which is obviously more than the formula they gave me. They said the rate, per my contract, ca n't change more the 2 % per year, and sent me a copy. But this is what the original contract says : on page XXXX, section XXXX, section ( D ) Limits on Interest Rate Changes : [ The interest rate I am required to pay at the first Change Date will not be greater then 11.625 % or less than 2.750 %. Thereafter, my adjustable interest rate will never be increased or decreased on any single Change Date by more then 2.000 percentage points from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be greater than 11.625 % ] To me this clearly says that when we first go from fixed to variable at the end of ten years the new rate can be anywhere from 11.625 % down to 2.750 %. That 's why those figures are mentioned specifically. After that ( hence the word 'thereafter ' ) the rate will change yearly, but not more than 2 %. I have since written to them four times and called three times ( it is often impossible to get through on the phone ), but they insist that my rate ca n't change more than 2 %. I 've asked why the range of 11.625 % to 2.750 % is spelled out for the initial change then, and what the 'thereafter ' means, but they just insist they are right and I am wrong. Today on the phone they literally said they just wo n't change it, regardless of what my contract says.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2022 - XXXXXXXX XXXX PDT : I got 3 different emails from a Chime ( Also called XXXX XXXX ) claiming that my account was closed due to me being reported as deceased. This is probably in reference to Social Security accidentally claiming me as deceased back in XXXX. The issue was fixed and nothing has come up since then. So I was confused by the fact I was XXXX as deceased. Today, on XX/XX/2022, I contacted Social Security about the issue. They informed me that I am indeed not marked as deceased and I am continuing payment from XXXX. 

XX/XX/2022 - XXXX XXXX  : I contacted Chime bank about this issue. I explained that Im not deceased and have a letter stating so. I told social security what form/letter they needed to reinstate me and they said they have no clue what that is. So Im fearing they are lying to me. They even refuse to pay out what little money I have left in my account. Its government money and social security informed me that they are not allowed to withhold my funding. 

Due to this, I had to change banks, but there is a lot of damage done. I wont get my money in time to pay bills, Im having constant anxiety attacks and XXXX, I have a XXXX XXXX next week so Im scared. Im at risk of becoming XXXX due to this. Im looking to seek legal action for the XXXX XXXX  and the withholding of money, as well as the fact they are putting me and my family at risk of XXXX. They never even attempted to contact me before this. 

I just want XXXX and this to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Experian Information Solutions Inc.
State: GA
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, delteted an account from my credit file. Now they have are adding it back to my credit file one by one. When I checked my credit it now reporting on my XXXX report saying I owe XXXX ( Whom I 've NEVER DONE BUSINESS WITH ) .. XXXX This account was deleted from all three of my reports late XXXX of 2017.. The FCRA states I must be notified in writing before it 's placed back on my credit. I never received notice. I believe I never received written notice because I 've informed them this account is fraud. It does n't belong to me. I have been a victim of fraud!! I also ask this company for validation of this debt and never received it. I received a letter from XXXX XXXX stated they would Deleted account from my files. *PLEASE ATTACHED INFORMATION *

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 2021-09-01
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have several consumer loans I am making payments on that XXXX  refuses to report. According to the FCRA, if a consumer report is inaccurate or incomplete, it must be corrected and made complete. I have reached out to XXXX  on several occasions, to no avail. My inaccurate consumer report is credit score is tarnishing my personal reputation and causing me mental anguish.

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 2020-06-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My partner received a phone call today regarding a civil dispute and requested a call back within 72 hours. I told her that I thought it was a scam, but she should call them just in case to see what it was about. She called them back and they asked her if she knew me, she responded Yes and they then asked for her to relay a message. At that point, I simply took over the call and asked how I could help them. 

The lady introduced herself as XXXX XXXX and stated that she was a Case Manager for XXXX XXXX XXXX XXXX, a law firm contacting me on behalf of the client Wachovia Bank/Wells Fargo related to a checking account that was opened in XXXX ( closed in XXXX and charged off in XXXX ). When I requested validation and verification of the debt, I was sent an email entitled Settlement Offer. When informed XXXX that this was not sufficient to verify the validity of the debt, she became defensive and stated that if I didnt care about my credit and finances she didnt. She then proceeded to threaten legal action, to report the account to XXXX and threatened to freeze my financial accounts. I told her that I wasnt paying a dime on an account that I knew was in good standing at the time of closure and unless she could provide a legitimate validation of the debt, she could go to XXXX and I hung up the phone. 

I reached out to Wells Fargo and was informed that this was a scam. They are not trying to collect any debt on any account that I previously had with them and that an account did not exist with the account number I was provided. 

I was also transferred to the collections department who stated that this was a scam and informed me that Wells Fargo does not contract with third parties, including law firms in an effort to collect debt - they keep all accounts in house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: IL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-20
Company: EQUIFAX, INC.
State: IL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: DISCOVER BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened a bank account with Discover. I received a check of {$1800.00} from XXXX after having a wreck. I used Discover mobile deposit to cash that check on XX/XX/XXXX2022. Yesterday on XX/XX/XXXX Discover emailed me stating they noticed suspicious activity on my account and to call them for more info. 

When I called I was told my account had been closed and they would be mailing my funds via a check. They also said that the check would not be sent until 60 days after the initial deposit. I asked to speak with a manager but the Discover agent refused. I asked to know why my account was closed and the Discover agent refused. 

I called XXXX to cancel the check but they let me know since the check is seen as cashed in their system, there is nothing they can do. 

Why didnt Discover call and verify the check with XXXX XXXX Why was the check cashed if it was suspicious? Discover has robbed me. I have been stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My statement ending XXXX had a due date of XX/XX/XXXX Then I receive a new statement with a due date of XX/XX/XXXX, with an interest charge added of XXXX with a date of XX/XX/27, before the previous statement was due This new statement cycle was only 16 days, below the minimum in the card member agreement. 

This {$60.00} interest charge is an error, I should not have been charged interest before the payment was due

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Gift card was purchased by a relative in California. He sent the gift card to my daughter here in Texas. Tried using the card to find the card was already used in California at a couple retailers. The card packaging was sealed, card was not tampered with. Please tell me how a sealed secure gift card was used at a XXXX in California when the card is here in Texas in my possession? Called US Bank to get this resolved but now being told I need to fill out a bunch of paperwork and send them my ID and it will take 90 days. doing research online, this is a very common issue. and many consumers are being told they have no recourse. This really is too much trouble for a {$100.00} gift card for a XXXX XXXX XXXX BUT based on principle, something has got to be done. This sounds like a perfect inside job. Its apparent that this has been going on for quite some time however nothing has been done or changed within the organization. One needs to ask why? Maybe its because they have not been exposed? No internal investigations? Its the perfect scenario... sell a good, make it seem like there was fraud? Keep the money in house! 
Also, the fraud case I opened with US Bank will require my ID, Paperwork and will take 90 days! I am very concerned about ID theft and now they want me to release my ID for a giftcard for {$100.00}? sending them my name address emails phone numbers isnt good enough? 
Something has to be done!

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 2017-09-14
Company: BARCLAYS BANK DELAWARE
State: GA
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 could not believe what I saw when I pulled my credit report. There were these late payments below. 

XXXX Date Late XXXX XXXX, XXXX Date Late XXXX XXXX I have no idea how this could have possibly happened, I believe that I made all the payments on time and I have a XXXX balance on the accounts.

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 2018-09-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied of a credit card based off of some identity verification issue. They never asked me to send in any documents to verify my identitiy, they just denied me.

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 2018-09-26
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Back in 2006 took out the first year of college loan in the amount of {$14000.00} second year took out loan for about {$15000.00}. This particular loan has been sold several times. 
I have paid for 144 ( 12 years ) back on this loan both together around $ XXXX/mo. = which equals {$34000.00} that has been paid back on loan.

Statement as of today I still owe {$13000.00} on one and XXXX on another. Called the current owner of the loan Navent requested original documentation of loan from 2006 and how payments have been applied. Waiting to get this information BEFORE I pay another dime to them. 
Refusing to pay them back ... I have already paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: D&A Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Repeated phone calls looking for someone by another name. I have had this phone number for over three years. Most recent harassment is from D & A Services, LLC., but they will sell the information to then next set of thugs to continue the harassment. When confronted with the wrong number, they claim " we do n't have this number in the system. '' This is a fraudulent claim, since they had called less than XXXX seconds before and hung up before I could get requisite information to formalize a complaint with their organization. 

If this were an incidental wrong number, this would not be an issue, but this is a concerted effort to harass by so-called debt collectors who keep selling this bad number and refusing to remove it from the database.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have called over three month to close my account with HSBC. They confirm the account is closed, but later I again discover is was not closed. It is a dispute for {$4.00} pending, but this should not stop the account closure. 

HSBC XXXX XXXX Mastercard Change account Card number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My XXXX credit card was paid off in XX/XX/2019. I had automatic payments set up and paid early on the XX/XX/XXXX balance. Since then they have been charging me interest and late fees that now result in {$170.00}. I have tried calling the company who don't listen to my complaints, emailed, and sent one letter. I received 4=8 calls a day from this company. When I answer they hang up. I have reported this to the XXXX ; synchrony bank did not respond. My credit report now has a negative mark as result of this. I do not know where else to turn to in regards to this matter.

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 2019-12-17
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I signed up for an American Express Card that offered XXXX dollars after you spend XXXX dollars in the first three months. I have spent way more then the required dollar amount in the first three months and never received the sign on bonus of XXXX dollars as promised. I reach out to American Express and they said I didn't qualify for this promotion. I can't believe they can change the terms after signing an agreement with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2015, my wife and I had a new loan set-up for our mortgage in the amount of {$460000.00}. Prior to our closing date and loan agreement, XXXX XXXX XXXX, our loan officer and his supervisor, XXXX, called us to meet at the bank. The four of us met at their conference room and they both explained to us that they ( Wells Fargo ) had made a mistake. Our loan had passed underwriting but since our loan was a FULL V/A loan the maximum allowed loan at the time was {$410000.00}. We were given three options, one : re-do the loan with the correct amounts, two : go to another bank to finance the loan and they would help us ensure the loan was approved or three : keep the loan as is and the WellsFargo would pay the difference for their mistake. We chose option three.  They further explained that we had to open up an account with them, Wells Fargo, so that the loan could be originated before they could pay any monies to the account and the difference would be paid in two payments. The difference from {$460000.00} to {$410000.00} ( max VA allowable loan ) is {$44000.00}. On XX/XX/2015 we opened up an account with Wells Fargo per their request and our new loan was set up in the amount of {$460000.00}. On XX/XX/2015 WellsFargo made a principal payment to our account in the amount of {$23000.00} leaving their balance at {$20000.00}. Instead of correcting the loan amount and setting it at {$410000.00}, Wells Fargo set us up for failure from the beginning and set the loan amount at {$460000.00}. We request the remaining balance of {$20000.00} Wells Fargo promised to pay be paid in full to our account immediately.

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