BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Its a small amount but it 's affecting me big.In the past I did n't understand the importance of having a bank account which lead me to get into debt. i learned and Wellsfargo gave me a second chance account a strict account with very few capabilities ie, no ATM deposit, no daily withdrawal limit at {$200.00}, ECT. Over time slowly gained more capabilities 3yrs not onevOver draft then out of the blue I have an overdraft of {$350.00} dollars. And I had overdraft protection on my account I can track spending step by step but the bank is telling me that funds were n't there or I spent funds before they got deposited impossible and if I 'm paying a monthly service fee of {$10.00} how was transactios approved then they tried to tell me I never had but that was one of the stipulations of having a opportunity account then they said it got taken away when I became eligible for standard checking and savings account never notified bout this deletion of service.do now I do n't have an account and I owe the bank for money that I actually had in the bank. 
I do n't have bank statement or access to obtain online but it was s joint account other applicant was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2020 we received a PayPal notification of 2 transactions at XXXX of {$990.00} and {$1900.00} that were unauthorized and we IMMEDIATELY contacted the company to dispute charges. PayPal responded at XXXX the same night that no fraud was detected, though we just told them that transaction was not us. Then we contacted our credit card company with XXXX XXXX  and they conducted an investigation as well on XX/XX/2020 Dispute ID XXXX with the disputed amount of {$2900.00} and on XX/XX/2020 we received a final Determination letter that our claim was denied because they were unable to confirm with the merchant that the disputed charge ( s ) are valid. If we wish to dispute matter further to contact the merchant directly. 
PayPal only was able to share a name and email : XXXX XXXX XXXX. I researched the sellers email XXXX and it did lead me to a XXXX XXXX possibly at XXXX XXXX XXXX XXXX, XXXX, TN XXXX yet the website XXXX says the seller is also XXXX of an alleged product XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX items and XXXX   XXXX XXXX XXXX XXXX XXXX have no idea what that is or what that means. Nevertheless, I contacted the seller to find out where they sent the product or any information on the buyer, yet without response. We opened several resolution disputes with PayPal as well : Dispute Case ID : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying on my student loan almost XXXX years. They are saying my principal balance has only gone down {$390.00} after all this time. They say I have another XXXX years left before it 's paid off. The original loan was {$5000.00}. The principal balance is {$4600.00}. This is at 11.8750 % interest. It just does n't seem to add up. I have asked for a payment history, but have only receive a partial. XXXX XXXX was who the original loan was through before Navient took over. All the payment history that was with XXXX XXXX they have refused to give me. I have tried several times, but what they give me always has missing information or inaccurate information. They ca n't explain to me why this balance has n't gone down more than it has. I always get the run around with them and it always seems like they are hiding something. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Years ago when my student loans were not consolidated, Navient encouraged me to consolidate at a lower interest rate. They made me seem like I was going to save money when the exact opposite happened. I said " can I get a breakdown of the loan amounts and the current rates and what the new rates would be '' and when I got a letter in the mail stating the consolidation had happened I called back immediately and said I was only " inquiring '' of the rates. The new consolidation rates were almost 4 % higher then some of my current rates that were only at 1.5-2 %. The new interest rate was only going to save me on one loan but drastically increased the rates of the others. I called back and they said there was nothing I could do, that it had already happened. I told the representative that I had not allowed it, only inquired ; and why would I agree to a higher interest rate? I called multiple times and no one ever helped me. I accused them of bullying me and I cried and begged on the phone for them to help me while I watched my balance increase from {$40000.00} to over {$130000.00} ( today ). I just saw that action was being taken against them and I need to have my case against them heard. As of today I am signed up for the income driven repayment, that I have no hope of paying off with out a full-time job. If Navient would not have misled me and tricked me into consolidation I may at least still be under {$100000.00} ... which is still disheartening. I recently tried to contact attorneys in California to get help with my case against Navient, I know there are others in my situation. I did not know that the CFB was an option until I read about the recent action taken by the CFB against Navient. Please add my story to your list of grieving, hopeless underemployed student borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My bills are only mailed every other month giving me consecutive " past due '' fees when I have never once signed up for paperless billing. I have spoken with representatives about this several times explaining I can only receive hard copy bills in the mail, because their online statements go directly into my spam folder. About once a year, they automatically switch me to online billing without my consent as well and refuse to cover my late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX a bad actor posing as me went into two different Best Buy locations in XXXX, XXXX. I was at a concert with my wife in the town that I live -- XXXXXXXX XXXX. I got an email on my phone thanking me for my purchase with a receipt attached. Receipt was from XXXX XXXX  on XX/XX/XXXX from Best Buy # XXXX in XXXX. The charge was for and XXXX XXXX for {$1500.00}. I called the Best Buy XXXX number to report this as fraudulent. I assumed that would be the end of this. 

An hour later I got a similar email from Best Buy # XXXX in XXXX, XXXX. It was time stamped XXXX XXXX  on XX/XX/XXXX. THis was for several XXXX  and a XXXX XXXX XXXX XXXX totalling {$2900.00}. 

I called again the next day to report these again. Nothing happened. I called back after a few weeks and was told that my claim was denied and that I had authorized these purchases. I DID NOT! I resubmitted a claim and was denied again. 

I have had to freeze my account not only with Best Buy, but also with the big three credit bureaus. 

Last week we took a family vacation to XXXX XXXX XXXX. Cell service is spotty at best there. When I got back to civilization, I had multiple emails, voicemails, and missed calls from Best Buy/Citibank . They have continued to call but I haven't spoken to them. 

I filed a police report in XXXX XXXX I filled out a complaint on the FTC website and now on the CFPB site. Please advise. I'm attaching the receipts in question and a picture of us at the concert on XX/XX/XXXX in XXXX. XXXX XXXX was made the following morning, but the show was the night of XX/XX/XXXX. A quick search of XXXX XXXX XXXX XXXX dates should confirm this. 

Thanks!

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 2022-08-18
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is regarding my XXXX XXXX XXXX XXXX XXXX credit card. XXXX has sent me a statement validating the account was never past due. XXXX is showing this account was 30 days late as of XXXX of 2021. The account was opened on XX/XX/2021 - the XXXX payment wasn't due until XX/XX/2021 - therefore it was impossible for the account to be past due in XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America gave me a PREDATORY interest only loan of about {$59000.00} ( ten ) 10 years ago. During the past 10 years I paid approximately {$160.00} a month in interest only or a total of {$19000.00} in interest only as the loan was not amortizing. In other words I paid Bank of America an effective rate of 34 % interest and I still owe Bank of America the entire PrincipalDespite the draconian conditions that Bank of America imposed I am current on my loan ( number XXXX XXXX XXXX ) and I never defaulted over the past 10 years. During this ten year I applied 7 times to Bank of America for a modification and a lower payment of about {$68.00} a month and each time my application was callously denied.even though my income is very low. But I continued to cut back on my medications so that I can afford to pay Bank of America and to date I am current on my loanTo add injury to insult Instead of lowering the payment to {$68.00} a month as I was requesting Bank of America has suddenly increased my payment to {$500.00} a month. Bank of America did not have the common decency to notify me by ( 1. ) return receipt or ( 2. ) certified mail or ( 3. ) registered mail.that they were about to abuse me. How could a Bank just unilaterally change the loan terms on a client without notifying him? 

In fact Bank of America just increased my monthly payment by 300 % from {$160.00} to {$500.00} a month without even notifying me. When I went and complained at the Bank of America branch on XXXX XXXX in XXXX XXXX the officer told me I signed to it 10 years ago.. The officer just said that Bank of America is within its legal rights and there is nothing I can do about it. 

This is a predatory loan and I can not afford to pay {$500.00} a month.I need help to lower the payment to about a {$60.00} a month. I am current on my loan and I never defaulted and I intend to repay the loan in full and would be most grateful for your urgent help Bank Of America IS FORCING ME TO DEFAULT even though I faithfully met my financial obligations to Bank Of America over the past ten years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Atlantic Recovery Solutions LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Representatives have called many times per day to myself and to my family members, anyone with my last name that lives in my area. They have left messages that this is to collect a debt and that they are taking action-XXXX legally and through wage garnishments. I called them back to get their address and XXXX number which they were very hesitant to release. first representative said very rudely " im not talking to you'then put me on hold. They were asked to provide any supporting information but failed and could n't do so then hung up. Very rude to my elderly mother. 
I do n't have a debt that is owed so I am not sure what they are trying to accomplish.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This file was opened 27 weeks ago in XXXX, the online platform used to negotiate short sales. Since that time, though the file has gone to underwriting five times, the file has yet to be deemed a complete file. Nationstar appears to be reviewing single documents or single pages of documents instead of an entire file. I have persistently asked that this file be considered 'complete ' for a short sale. I have submitted files and documents for months! Time to make this a complete file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage and a home equity loan both payable to Ditech. Every month, I would receive XXXX bills with payment stubs. I would mail XXXX check with both stubs back and payments were allocated correctly. Until this past XXXX when allegedly Ditech got a new system that electronically read checks and stubs. They apparently applied XXXX check to the equity loan making the mortgage appear in arrears. I started to receive collection calls and each time I would explain and receive assurances the payment would be reallocated. That never happened. I have received XXXX calls, XXXX sets of collection letters, XXXX sets of certified letters, instruction on filing for government assistance. In between all this I get letters telling me they 're investigating. 

I 've spoken with several service reps, XXXX supervisors who never return voicemail messages and I 've attempted to reach an executive in Ditech 's headquarters in XXXX PA only to be dropped from their IVR system. I 've attempted to email Ditech at an email address in their statement only to have it bounce back. I 've mailed outlining payment check numbers, amounts, date of issue, date the check cleared and no response. I 've paid every. Bill in full and on time. Ditech have been completely unresponsive and inept.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX my father in law passed away, leaving his home to his daughter, my wife, XXXX XXXX XXXX. we have been working with our attorney, estate attorney, about giving the house back to the lender, Select Portfolio Services, which was serviced by XXXX XXXX XXXX, XXXX, with no results. 

as of XX/XX/XXXX there has been no filing of public record, as far as foreclosure, since the mortgage hasnt been paid since the death of XXXX XXXX, father in law. 

We ( XXXX and myself ) went to the property, yesterday, XX/XX/XXXX to finish clearing out the property and cut the yard and noticed the locks had been changed and a lock box placed on the front door with a notice from XXXX XXXX, stating the lender had requested them to secure the property. 
after obtaining entry to the property, we also noticed personal belongings had been removed from the property and the property had been " trashed '' inside, as if who changed the locks had been looking for valuables. 
we contacted the XXXX XXXX police, in which they filed a criminal complaint for Breaking and entering. when XXXX XXXX was notified, all they would say is the lender ( Select Portfolio Services ) had given them authorization to enter the property and secure the property. 

this is a violation of our rights, seeing the lender has not filed any type of foreclosure paperwork. 

we are requesting the CFPB get involved so this will not occur again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Genesis FS Card Services, Inc.
State: OH
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:
XXXX XXXX. XXXX 
Genesis Card Service. Sold this Account to XXXX XXXX XXXX. I Mailed a Validation Letter to XXXX XXXX XXXX. I got No Response from them Then received a letter from XXXX XXXX stating that the Account was Sold to them from Genesis Card Service. I Contacted Genesis by Phone. Whom stated they had No Information with my Name nor Last 4 of my SS number. Genesis stated the Account was Sold to XXXX XXXX. 
All of these Debt Collectors have my Information my Data. My Credit report is Reporting XXXX in Collections and XXXX XXXX in Collection. But Neither have the Account. On all 3 Credit Reports it states XXXX and XXXX XXXX for the Same Account. That is illegal according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a big lump sum of money into my bank of America account and I don't regularly check my account nor did I receive any notifications from my institution on irregular activity. So when my XXXX XXXX was hacked I was unaware but soon as i found out on XX/XX/2020 I immediately filed a dispute. AFTER waiting over a week for my dispute to finish I was told i waited to late to report the dispute. I also closed my XXXX XXXX and my card the day I found out about the fraud activity.

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 2015-07-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A package was submitted for a loan modification with XXXX XXXX Loans, XXXX XXXX, 2015. An modification offer was received from XXXX XXXX XXXX, 2015. The documents were signed and returned to XXXX as requested. The loan was transferred to Select Portfolio Services ( SPS ) XXXX 2015. Select Portfolio says that they will not honor the agreement because it was not signed. XXXX says they received the signed documents but did not have time to process and execute because the loan had to be turned over to SPS. Select Portfolio Services now has the loan in default and says it has to be cured by XXXX XXXX, 2015 or foreclosure proceedings will begin. We do not have {$4500.00} that they are requesting to stop the foreclosure action.. We have made on time monthly payments as per the agreement signed with XXXX. All we are asking is that SPS honor the agreement from XXXX XXXX Loans. Select Portfolio says they need to get a copy of the signed agreement from XXXX. We want to save our home. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a saving account with over XXXX in it. I logged in online and set up a transfer of the whole sum to another bank. At the same time, I also send a mail inside the bank 's web portal asking them to close the account after the transfer is made and if there was any interest due to me afterwards, to send it by check to me.

The bank acted on both requests at once. They closed the account first and then when the transfer was executed the account was already closed and the transfer failed. However, I didn't find out about it until several days later when I got an email telling me the destination bank has refused the transfer. Only after calling the issuing bank did I find out that it failed because the account was closed. I also found out that the communication noted down in the account was blaming me for the issue since I requested to close the account. I explained the rep what went
wrong, and asked that the money be transferred again to the external bank. A few days later I found out this transfer also failed and the email again indicated it was refused by the receiving bank. I call the issuing bank to find out that the transfer failed this time because the money has already been sent to me in a check and that is why it couldn't be transferred. I was told the check was mailed to me on the XXXX of XXXX and that I should wait 10 business days, or even more, because mail is slow these days because of COVID. So I waited 13 business days and called again because the check never arrived. This time I was told the check was actually sent on the XXXX of the month so wait a few more days. It is now more than 10 business days since the XXXX, and I have not received the check. It is already 3 weeks since I have requested the money. I am going to call again tomorrow but I also wanted to start this claim just in case it again takes a while for the bank to straighten this out.

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