BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: MN
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:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Navient Solutions, LLC.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was trying to pay my student loan with Navients automated system. It would not let me pay what I wanted to pay it put in {$1000.00} payment to come out of my account. Is it legal for them to put the amount in for you automatically??? What can I do??? Who can I complain to about their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Scam letter from intercontinental Capital Group Inc, located at XXXX XXXX XXXX XXXX XXXX, XXXX, New York, XXXX. Website XXXX. phone number in the letter which is posing as an invoice or statement and spam deceptively looking like they are servicing my current loan which has been identified as benefiting fromXX/XX/XXXX, and tells me what you need to do is to call their office before XX/XX/XXXX with the notice number in the letter and understanding XXXX enhancements, and the letter had no return address on it which is deceptive, and mentions XXXX XXXX County notice of enhancement which is attempting to look like official government business or like my current mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
My loan had a maturity date of XX/XX/2022. I called the company & told them I could only pay {$1000.00} for XX/XX/2022 & would pay the remaining {$1100.00} in XX/XX/2022. The customer representative told me that would be fine & no report would be sent to the credit bureau as long as the final payoff was paid in XX/XX/2022 And no late charge would be assessed. I paid the final payment on XXXX but a few days prior to that, I get a notification that my credit score had decreased like XXXX points due to my account being 30 days past due. That is completely insane & unfair on what they did to me after they said that would not happen. I have been a good, loyal customer & now have paid off the loan in full. I would truly appreciate if they would reverse that 30 day past due because it was not & that would help my credit score tremendously!!! Please Help!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Bank of America Mortgage Loan Officer lied to pressure me to close the loan earlier than required. Further, the day before closing they increased the loan amount for no reason, which would have resulted in cash back I had not requested as well as a higher monthly payment over the life of the loan.

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 2021-03-16
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received summons to appear in court on XX/XX/2021. I called Credit Corp to find out what this was about and why I had not been notified of this earlier. Credit corp said I was served papers in XXXX last year. Claim I was served by placing on my door. I never received a phone call or letter till the XXXX summons to appear in court. I send a letter Credit Corp to verify my signature and have received no paperwork with signature. Been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Credit card
Issue: Late fee

Complaint:
Barclay cards. XXXX 2016 I consolidated XXXX credit card payments with the help of XXXX, with all parties agreeable to the terms. Payments have been automatically generated every month. Barclay starts charging late fees ( they changed the amount due ) There was never a late payment. I called and thought we had it settled a couple of weeks ago even with the communication barrier only to find that there was no changes made to my account to bring it current. I have never been late on my credits cards ever. Called again last week ( XXXX ) and was assured it would be fixed. It is not fixed and they have inactivated my access to my account online and am currently being charged late fees as well as staying in arrears for 2 consecutive months now. Have spent numerous hours on phone in attempts to rectify this with challenging language barriers. Customer support is not worth the time invested in the phone call. Emails go unacknowledged. Access to account cut off. Please help. 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 2016-09-09
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a bp XXXX credit card in XXXX 2016 and gotten approved and the company reported to all XXXX credit bureaus, but they refused to send the credit card. I have not received my credit card for a month. Which is not fair for only a XXXX limit

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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX Payment never late XXXX  XXXXSubmitted XXXX XXXX Not mine or No knowledge of account 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 2021-03-16
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
my last loan payment To Kia Finance was made twice due to automatic payment withdrawals, They refuse to refund the remaining amount since XX/XX/2020 2020

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 2016-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I had over paid on a Bank of America credit card that I had done once before and transferred the over payment back into my checking electronically ( from B of A to B of A ) however B of A decided to charge me a cash advance fee and charges on my own money. I Called B of A and complained to where they finally refunded the fees and said to call in next time and make the adjustment manually to avoid the charge. Well it happened again, I called in being bounced around until she would make the correction. I checked my account and the overstatement was gone from my credit card but no deposit to my checking. Called again and this time the customer service rep. said that for some reason there was a check drafted instead of the direct deposit being made. She stated the records indicated that it was to be a direct deposit as I had said and commented how dumb it would be for me to request a check just to put it right back into the bank, also I commented on how I would never do that because USPS and does n't always deliver the mail and quite often we never receive it. She claims she put a stop payment on the ghost check and made a request for the electronic deposit and would have her supervisor call me on Monday for verification of the deposit. This call was on Friday and I watched all weekend long for the cancelled check to show in the mail and /or the deposit to my checking. Come Monday I checked again and still no cancelled check, no deposit and no call from any body. So I placed another call to B of A and asked for a supervisor. This lady was no help at all. now she says that it could take up to 5 to 15 days for me to get my money. This is the last straw. If I messed around and played games with their money I would be charged penalties, fees and interest.I am on social security and have n't received a descent increase for the cost of living in a long time. I now want to charge them interest and late fees and damages. I 'm at risk now on being late with a payment or two because of their greed. I have told each and every person that I spoke to that the call is being recorded just as they record me. I am seeking help in this matter urgently. 
The option below dosent cover my situation. It 's Checking and credit card issues XXXX XXXX vs Bank of America

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 2016-09-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I visited my bank on XX/XX/XXXX16 for the purpose of withdrawing {$1300.00} from my savings account. After the teller counted the cash, I requested an envelope. He gave me the change from this transaction, but not the envelope with the cash. I was not aware of this until I left the bank. I returned to the bank within 5 minutes, but the teller claimed he gave me the cash. Bank employees checked my purse as well as my car.This envelope with cash could n't just disappear into thin air. The bank in question does have a Resolution team, but since this is 'in house ' I feel they could be biased. Also, an entity within the bank has viewed the video from this transaction and can only tell me the video is inconclusive. I do n't understand this. If they can not show me that the teller handed me the cash, I would think the bank findings would be in my favor. I have filed a police report as I feel a theft occurred and the bank is not allowing the police department to view the video as of the date of this writing. 
The bank is not being transparent or forthcoming with information.I believe you to be the only agency that can assist me with resolving this issue. I also want to note that this bank has no video cameras outside their front door, so no determination can be made as to what happened when I exited the bank. I think, overall, the bank 's lack of security regarding cameras is appalling.The bank in question is Wells Fargo, located 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 explanation
Consumer complaint received 2016-12-20
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
I have a Barclay Rewards card and after seeing my XXXX score stay the same for over 45 days with the negative impact of reflecting a balance due that been paid over 30 days ago .... i called BarClay and escalated to an Acct Mgr ( XXXX # XXXX ) who informed me that they only report 1 time a month to reflect our dealings ... I questioned why this was only done once a month, she referenced billing once a month, payment once a month. 

I asked if I could change my billing date to be due days before that monthly transmittal to secure my ability to pay the balance and have it reported in a timely manner.. She tells me this would change the reporting date, i questioned why ... She says that they report to the Bureau according to the billing date, not the date of payment due ... and it would change if we changed my due date ... 

It 's very arbitrary of Barclay to report only monthly, but even more arbitrary to report after a bill is sent ... not waiting to see if the payment is received before reporting to the Bureau. This is not a consumer friendly policy and subjects the consumer to false information on their credit rating via the company reporting 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 2021-03-16
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I purchased tickets for an event that was later postponed due to COVID 19 and I did not receive a refund and I was not able to get my bank to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I have a credit card with Barclay Bank US. They will not agree to reduce the overall interest rate on the card and refuse to agree to partner with XXXX on a debt management program for me. They refuse on the basis that a very small balance of the total money owed is on a reduced interest rate although greater than XXXX % of the money owed is at a interest rate of greater than XXXX % on an annualized basis. When I try to call customer service to discuss the issue my call goes into a call center where I 'm told there is no one there who has the authority to negotiate with me. I then have asked how can I talk to someone who can, and I 'm told that no one knows. The amount total amount owed at this time is approximately {$21000.00}.

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 2017-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Portfolio recovery about the 2 accounts which I paid and asked for the amount of {$300.00} for a XXXX XXXX debt that has been paid. Additionally there is another collection account in the amount of {$1100.00} that was also paid. I paid this amount and my credit score was decreased a second time even though I paid what I owed on these 2 accounts. I asked Portfolio to remove these accounts from my credit and they mentioned that I had to call all 3 credit beaureas as they will not remove these items. Port folio is the company holding the debt so they are the ones who are in the position to remove such debt. further more the original debt is over 7 years old. Portfolio uses XXXX ( an email verification system ) and can delete directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent two validation letters to Portfolio Recovery and they ignored my requests for validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Late fee

Complaint:
I have a Bp Visa credit card from XXXX. I was notified in XXXX, 2015, that the credit card was being transitioned to another to another bank. I was told to continue to use the credit card until a new card was mailed in XXXX. 
The bill for the XXXX XXXX XXXX card came XXXX/XXXX/15. As has been my practice, I scheduled the payment from my checking account to be deducted XXXX/XXXX/15 ; I also received a XXXX digit transaction number for the scheduled payment. 
As I review my checking account activity on a daily basis, I noticed the payment had not been deducted. On XXXX/XXXX/15, I checked the XXXX credit card account online and was denied access. 
I contacted the card 's customer Service and was told the scheduled payment had been cancelled by XXXX on XXXX/XXXX/15 ; the agent acknowledged that no notice had been given by XXXX. I requested the card balance and was informed of that a {$25.00} late fee had been assessed against my account. 
I complained and the late fee was removed from the card. 
My complaint is XXXX fold. First, the scheduled payment was cancelled by XXXX and I received no notification - no E-Mail, phone call, etc. Secondly, a late fee was charged to my account. 
I consider these actions by XXXX to be irresponsible, unethical, and illegal. Had I not been proactively reviewing my accounts, I never would have known of the transition and late fee charge. 
A question : how many other XXXX XXXX XXXX card customers are being treated in the same manner, and being assessed inappropriate banking charges?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As a result of the Covid-19 pandemic I was laid off of work on XX/XX/XXXX ... I immediately called my mortgage company ( Select Portfolio Servicing ) and alerted them to my situation ... .I called as instructed on the 10th of every month to update my status, which remained unchanged, with SPServicing as instructed ... Additionally, in my communications with them I wanted to be made aware of any potential long term solution ... .With the magnitude, complexity and unpredictability of the virus little was done for months with policy guidelines that loan services were dictated by ... .It wasn't until XXXX that I received a request to make 3 monthly pandemic related payments of {$170.00} which would enroll me into the pseudo pandemic assistance program ... .I immediately called and asked to speak with someone that could explain the guidelines and parameters that SPServicing was going to use to determine any forbearance or deferment ... .I continued to check in on a monthly basis while still not having had a single return call as to an explanation in detail of the " pandemic assistance program '' that was being offered ... .A second request was sent for {$170.00} per month to be entered into the " pandemic assistance program '' ... .I immediately called ... .Got the same vague explanation about requirements and guidelines ... Reluctantly made the 1st payment and then received a determination from SPServicing requesting 3 years worth of payments to be made at {$2300.00} per month for 36 months to make up for the deficiency and arrears on the mortgage ... .Collecting a {$120.00} per week on unemployment I am sure you can sense my alarm at their repayment plan ....!!! ... My normal payment is {$1500.00} ... .I immediately called them and explained the feasibility of being able to pay this amount as impossible and immediately appealled the payment restructuring ... XXXXI formally appealled on XX/XX/XXXX via email ... .I also called on XX/XX/XXXX to verbally verify receipt of my appeal email ... I received verbal confirmation as well as electronic confirmation that the appeal email was received ... ..As I continue to call on a weekly basis SPServicing will only state that they loss mitigation department isn't connected with the servicing department and that loss mitigate will contact me in 30 days ... .I find this situation has not been handled as it should have been ... None of my own financial criteria has been used to formulate any assistance aside from not reporting as delinquent or filling for foreclosure ... .My latest call today to SPServicing produced no changes in status with loss mitigation and my appeal ... .Very disingenuous that in my very first call in XXXX of XXXX, which was recorded, that forbearance and deferment were all that was discussed ... ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation