BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
my mom and I bought some funitures at XXXX XXXX. Theres staff told us that we have to sign up with their credit cards partner XXXX. 2 of their staffs asked me to give each of them more than {$65.00} for their sale services and another XXXX in cash for the funitures. I gave them all the cash i brought with me more than XXXX cash. They told me that money would later be subtracted from the credit account I signed up with them. they wont let me use my XXXX XXXX XXXX credit card. There were too many items I wasnt able to calculate the right price. Later I found out that cash wasnt on my receipt and wasnt subtracted from my credit card. I paid XXXX XXXX a total of more than {$6000.00} for their furniture. They delivered an old XXXX bed to me and charge me {$100.00} for redelivery. I contacted them many times. They said theyre unable to locate the funds. Sometimes I called in to ask questions, some people laughed at me, Some hung up on me, some were polite enough to say theres nothing they can do about it. 
I didnt remember which day I bought the items. I paid everything down to {$600.00}. But later I had to pay {$2000.00} within a couple of months. Thats more than {$1400.00} interest. 
I wish I was smarter so they wouldnt cheat on my XXXX mother and XXXX XXXX man like me. im a XXXX and a XXXX. i tried hard to earn that money with all my XXXXl capabilities. I have to do peoples feet and got XXXX by the XXXX and their XXXX. They have better jobs and friends than me. I just have my family. I appreciate any advice anyone can give. please tell me youre sympathetic.

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 2022-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello I'm having a hard time getting bofa to replace my edd funds which were stolen from me I applied for edd back in XX/XX/2020 and I never heard from them again so I thought I was not approved well come to find out someone stole and activated my debit card out of my mailbox they took over my account and now I keep having my claim denied and it's says reason for denial is there is no posting errors whatever that means please help I'm really going thru alot with them its been months now back and forth thank you for your time

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 2022-02-19
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I went to a XXXX XXXX as she advertised on a flyer and all over her front house on a build board and she asked for {$4300.00} dollars because she said I was cursed with XXXX XXXX and my family and children were in danger, I was scared so I zelled her the money and told me to call her back to do her cleansing but when I tried calling her she kept ignoring me and I realized I had been scammed I called my XXXX XXXX to report it and they couldnt do much I also called zelle and they couldnt do much either so I lost mine and my childrens savings because both companies cant get my money back when they can see through their end who I sent the money to I feel let down and taken advantage of it very sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Fairway Collections, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX FAIRWAY COLLECTION  added a derogatory mark on my credit report to XXXX & XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection, also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA FAIRWAY COLLECTION has violated my rights as a consumer and I am requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was sold from XXXX Mortgage on XX/XX/22 to Freedom Mortgage. I was in a COVID-19 forebearance at the time. I accepted the COVID-19 modification and had to submit twice because it was stated they couldn't read the notary signature. 

Freedom Mortgage has had my signed paperwork for over 30 days and they haven't processed it yet. I have also made a payment of {$4000.00} to be applied to the post COVID payments so that I had a couple of months to breathe. I was sent a receipt and was reassured this would happen. 

I have been receiving threatening letters every other day from Freedom Mortgage stating that I am in default and I am NOT. I have to call Freedom Mortgage every week to reexplain what is happening and then speaking to Loss Mitigation and they assure me that they are working on it. 

I have never been treated this way before and I am now worried that I am not protected because nobody knows that is going on and I want my money applied to my account. I need help with this situation ASAP. This has been going on since XX/XX/22

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 2019-08-02
Company: AVANTE
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I contacted Avante USA Collections about two identical accounts on my credit report after trying to clear up what I was looking at in black and white I was being told that it wasn't so and that I had two accounts in collection with them from the same place by two different people for the same amount. I told them they can't report the same account to my credit twice and that they needed to fix it and they said the can. I emailed XXXX showing her the evidence and still nothing other than telling me that they can do report what looks like the same debt to my credit twice, then go on to tell me I won't be able to get the information from the collector as fast as she can even though the debt has my information on it, then she was telling me where I was and that I was at the place in questions we were going back and forth and I told XXXX I would handle it. So i'm doing just that I have rights and I want this off of my credit, they said when I called that all calls where being recorded and it was an attempt to collect a debt. I never said that the debt was mine. 
the amount is XXXX  *XXXX= XXXX of bad debt on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-28
Company: CITIBANK, N.A.
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: Public record information inaccurate

Complaint:
A cancellation of Lis Pendens was recorded by Citimortage , Inc. on XX/XX/2013 in XXXX XXXX County. A satisfaction of same was also noted and recorded. 

Please remove this erroneous information from our credit report in a timely manner. 

Thank 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 explanation
Consumer complaint received 2017-09-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I had a dispute with HSBC BANK NEVADA NA about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually HSBC BANK NEVADA removed it from my credit report. 
However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, HSBC IN XXXX sold it to XXXX XXXX XXXX whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XXXX XXXX, XXXX. 
I have repeatedly advised XXXX XXXX XXXX that it is improper and illegal to state this to be a new derogatory default as of XXXX XXXX, XXXX and it causing me a serious problem of turning down for essential items to be purchased, XXXX XXXX refused to remove this illegally and in bad faith showing derogatory item from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today,XX/XX/XXXX, I used XXXX to access my credit reports. 

I am on a XXXX XXXX computer, running mainstream antivirus software, the XXXX web browser, and the XXXX plugin for additional security. 

XXXX and XXXX both allowed access to my credit report without issue. 

However, Experian blocked access with this error : " A condition exists that prevents Experian from being able to accept your request at this time. '' This error is reported online to indicate that Experian disagrees with my use of the security and privacy plugin 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 non-monetary relief
Consumer complaint received 2017-09-03
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 've attempted to work this debt out with my insurance company, they have stated that since XXXX did n't submit properly, they could not back date a payment from more than 2 years ago. I 've spoken with the collection agency, and ca n't get anywhere with them, and XXXX just violates the Hipaa act by sending pertinent medical information to the collection agency and then pretending like it 's not a big deal. Numerous phone calls, and nothing. The medical debt should have been billed correctly to my insurance in the first place and it would have never gotten to the point it 's at now.

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 2018-06-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XX/XX/2018 - I was informed that non-account holders can no longer deposit cash into Wells Fargo accounts per Wells Fargo 's policy

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 2017-09-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Last summer ( I believe XXXX ) I noticed that my auto pay on my XXXX XXXX card from US Bank was making the minimum payment and I thought it was set for full balance every month. I called the bank and they said I could change this online. I made a one time balance payment and then I thought I set up auto pay for full balance each month. The auto pay portion of the web site is difficult to navigate and does n't display which balance pay option you have selected for auto pay, as far as I can tell. 
I just checked my credit report and noticed that they did not make this change, so I have been paying minimum payment the past year, exactly what I called them last summer to avoid. The bank claims I made a mistake in setting up the auto pay, which is certainly possible, but they do n't have any records one way or the other. If I did make an error, I 'm complaining that the US Bank auto pay set up is not transparent and can lead to these types of errors. If I did n't make an error, I 'm complaining that US Bank did not implement my request for full balance auto pay. Either way, it 's very difficult to tell what the account is set up to do, which will lead to these situations.

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 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
AFFIDAVIT I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. 

My name is : XXXX XXXX XXXX File Number : XXXX ( Trans Union ) Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 non-monetary relief
Consumer complaint received 2022-02-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a credit card with the Shell gasoline company for about five years ( maybe more - don't remember when I first got it ). I use it to purchase fuel for my car. This happens about once a month - more if I am on vacation. Every month, for the past 5 years, I have faithfully paid off the balance on this card. 

Now they have sent me a letter saying they are terminating my card. The reason seems to be that my credit score isn't high enough. I've never missed a payment on their card? Why am I being punished? 

The thing is, I have had some bad credit in the past. For the past two years I have been working diligently to repair my credit. It happens that my Shell card is the oldest credit account that I have. Having it terminated will be a major blow to my credit score, since it makes my credit age younger than it should be.

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 2018-12-14
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to use the loss mitigation process to do a loan modification. I was {$14000.00} behind in my mortgage and I was only able to come up with {$10000.00} so Faye Servicing would not accept the {$10000.00} and allow me to make arrangements on the remaining {$4000.00}. I feel behind while in Bankruptcy During the process my loan modification paperwork was continually denied due to the need to obtain separate homeowners insurance, although I have forced hazard insurance. 

I was given time to obtain the homeowners insurance and during the alotted time to provide said documentation I received Foreclosure Court Papers. 

I sought an attorney to help me with the process. My attorney has been working thru the process with the Banks Attorney. 

However Faye Servicing has continued to pursue a bank foreclosure. I was told that I am subject to both a Judicial Foreclosure and a Bank Foreclosure. 

So, I have been subject to additional collection actions by Faye Servicing. Faye Servicing has demanded the same paperwork my attorney has submitted. Faye Servicing has continued to tape notices to my door and call me from multiple numbers.

I spoke to the Account Manager at Faye Servicing and I was told that by not participating with the Bank Foreclosure that I will lose my home despite the actions taken by my attorney. My attorney advised me to not talk to Faye Servicing but they continue their collection efforts. 

I am scared to lose my home! I am pursuing another attorney for the additional foreclosure proceedings. So, I will have two attorneys to address both collection actions moving forward. I just need to ensure that I do not lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/22 I submitted a payment in full using my credit unions online bill payment service to the XXXX XXXX by Marcus Sachs. The online bill payment system shows that a check was sent to MarcusXXXX XXXX and was scheduled to be paid by XX/XX/22. ( This was the due date on the bill from MarcusXXXX XXXX XXXX On XX/XX/22 the credit card company suspended card usage to my account claiming non payment and assessed a late fee and finance charge to my account. 

I contacted Marcus/XXXX numerous times to resolve the issue via phone and social media platforms. No one was able to resolve this issue to my satisfaction. 

MarcusXXXX claims that they could not find the payment in question and continued to restrict credit card usage. The check number, confirmation # and date of transaction were provided to MarcusXXXX on numerous occasions. 

I do not want this reported on my credit report as a late payment due to malfeasance on the part go MarcusXXXX credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Paypal Holdings, Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal flagged my account for selling collectible pocketknives, suspended my account permanently and has attached over {$8000.00} since XX/XX/XXXX. 

PayPal account. ( Ref ID - XXXX ) I previously used PayPal in XXXX and XXXX providing the same product and business model without incidence. XXXX 's sellers weekly use PayPal for thousands upon thousands of the same transactions I did. I've had no disputes over sales and all purchasers received their collectible pocketknives as fast as XXXX priority mail shipped. I have been singled out and unjustly discriminated against. I understand it's even a policy of XXXX and PayPal, that all sellers on XXXX, including sellers of knives, must have PayPal as a payment option.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-03
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
Santander made loans to myself as well s other car buyers while knowing that myself and the other borrowers were probably not able to afford the loans. A press release from the Delaware Department of Justice indicated that Santander had predicted a high default rate and that many applicants stated incorrect or exaggerated incomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Navient Solutions, LLC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NAVIENT Balance Increased by {$3600.00} Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, your NAVIENT student loan account balance increased by {$3600.00} from {$3800.00} to {$7400.00}. 

This has been reported to the XXXX and XXXX  and my student loans are in good standing and in income based repayment plans. This is the second increase they have reported in a month and no new loans have been taken out and I have payments of XXXX a month. I have called and they tell me they have not reported any new information.

Company response to consumer: Closed with explanation