BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: London & London
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent to this company a letter after calling them for about 3 hours, when you call the company they tell you that they have limited staff because of the covid. I have been working on my credit for about 4 months, I had advised the credit bureau that I had no knowledge of this company or this bill that they were collecting for. The credit bureau took it off of my credit report. Checking on XX/XX/2021, I found this company back on my with a different number and now the company has me owing 3 times as much. When I originally contacted the credit bureau 's I asked them for the original paperwork that had my signature listed on it and the status. If it was my debt I would have paid it off, but the credit bureau 's took the company or shall I said the company who bought my supposedly account. XXXX XXXX who bought my account had an attorney 's office collecting it for them. When looking at my credit report on the XXXX, I was fabregessed and sent to the floor. When I saw what XXXX XXXX and London & London had done to me. Even today today is the XXXX of XXXX and I called and London & London a couple of times today and still no answer trying to get in touch with these people. As I stated earlier in this I was on the floor, from such a blatant lie. I could not believe this, all they had to do was show me the original paperwork and this all could have been taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Fidelity National Financial, Inc
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was told this was just a mistake, but it is an egregious mistake that I was not likely to discover. If I 'm not alone, this could be a huge scheme. I bought a home and the agreement included an " XXXX XXXX {$380.00} '' warranty, printed clearly on page 6 of the sales agreement, which I was told was a standard 1-yr coverage for home appliances and the like. But XXXX XXXX and/or Chicago Title purchased the lesser XXXX XXXX for {$200.00}, which does not cover appliances. I only discovered this because my kid jumped on our dishwasher door and destroyed it, but would n't have known otherwise because the neighborhood is new and so are all my appliances. Upon reading the fine print, I realized abuse was not covered under the warranty I was supposed to get, so I said " Great! Just give me the {$170.00} you saved by skimping on my insurance! '' Since I only had a month left, it was a no-brainer, their mistake would help pay for my new dishwasher because that recently-discovered money had to go somewhere. But they refused, saying that they could " correct the mistake '' with the insurance company ( XXXX ) 11 months later, and give me one last month of XXXX XXXX that covered appliances, which is not worth the {$170.00} they almost pocketed so late in the warranty term. In your opinion, am I now buying 1 month of appliance warranty for the same price as as the 1-yr warranty? Should n't I be entitled to that money, having caught their mistake, given that I would no never agree to such an absurd warranty price for 1 month of coverage? Keep in mind, had I not caught the mistake, XXXX XXXX and/or Chicago Title would have never told me about the {$170.00} that was intended for me. Is this making sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/XXXX Direct Deposit Funds Transfer {$5000.00} XX/XX/XXXX Direct Deposit Funds Transfer {$5000.00} I opened XXXX claims in XXXX of XXXX. They denied them and I reopened them in XXXX of XXXX. 
Claim XXXX was credited back XX/XX/XXXX It was a funds transfer Claim XXXX was credited back XX/XX/XXXX these were purchases or services Claim XXXX and Claim XXXX are the XXXX {$5000.00} claims they are denying.

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 2015-05-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made my mortgage payment to  CCO mortgage in XX/XX/2015 for the amount of $XXXX.  This is the correct amount of the monthly payment.  The bank cashed the check for $XXXX short.  I was assessed a late charge for the incorrect amount paid to the bank.  I called the bank and was told that this was a bank error and that this would be corrected and had nothing to be concerned about.  I was also told that since I was such good customer, the problem would be resolved that day.  They also said they would credit the dollar shortage since the bank was at fault.  The following months passed and I continued to receive late charges on my monthly statements.  I called every month and was told that the computer was not updated and that the issue would be resolved.  In XX/XX/2015, I sold the property and noticed that I was assessed a late fee of approximately $XXXX.  I called the mortgage company and was referred to a woman named XXXX. She stated that noone in the company had ever states that this was a bank error and my late fees would not be reversed.  I e-mailed her a copy of the check in question and she did see that it was written for the right amount.  However, she stated that she could not determine if the spelled out amount was written as a XXXX or a XXXX.  Because of this she said the bank cashed the check for the lesser amount and that it was not a bank error.  Therefore, she would not reverse the late charges.  I asked to speak with her supervisior, but was denied that request.  Not only did she admit that the check was written for the correct amount, but her associate also admitted that the check was correct.  They have my late charges form the closing already, but continue to write letters to me  regarding this. They also threaten to report this to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The week of XX/XX/XXXX I purchased a TV from XXXX, A recently dissolved business. Immediately after purchase in XX/XX/XXXX, I contacted Synchrony Bank and XXXX XXXX, but mostly Synchrony bank re an extension of a promotion to extend payment period of NO interest charged from 6 months to 12 months. There is a recording on file and a date and a customer service agent attached to this extension. Synchrony bank refuses to honor this agreement and have sent to Synchrony management allthe documents given to me by the Insolvency agents that state that Synchrony is resposible for this issue. They also state that the store, XXXX XXXX, owes me a store credit. 
I 'm tired of asking Synchrony to fix this issue.They may tell me how much acrued charges are to attach to the estate XXXX. but they refuse to ackowledge anything. They keep asking me to contact a business that has been dissolved and the issue at hand, is the extension issued by during the recorded call they refuse to investigate. The date of this call is the date Synchrony began to collect {$110.00} dollars a month instead of the minimum. All of this done with calculation to conclude succesful payment with no interest before the due date XX/XX/XXXX. Please help me because if there were a court to take this bank to and subpoena the recordings of customer service, I would do it. Ihave submitted all emails relating to the discussion with a lawyer from XXXX XXXX estate insolvency group to Synchrony Bank. Please ask the Bank for this as this makes my argument real clear. I have in my records of e mails this also.However I am unable to upload it here.

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 2016-11-18
Company: Seterus, Inc.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Still having issues with Seterus Mortgage. They did get back to me stating that they made a mistake on reporting my paid payments to the credit bureau. Got the letter and am still trying to get pre-approved for a loan. Now XXXX XXXX & other places I have been dealing with state that I have to wait until it is fixed on my credit report. Months? I 've been trying to get pre- approved since XX/XX/2016 They did n't report the payments correctly and now I am to get it fixed? Seterus is going back to XXXX through XX/XX/2016 and fixing the credit report. At least they say so. All I want to do is get pre-approved, sell my house and buy a different one. There must be a special circumstance with the mortgage company underwriters to approve this. They received the letters from the company. They apologized for any inconvenience ... well it is very wrong and how they stay in business is beyond me. Should I file a grievance with the credit bureau too? That I have to wait for something that I had no control over. Sure hope you can help with this one. Thank you! 

Also, XXXX Bank reported XX/XX/2016, late, which was wrong. Attaching this letter too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I paid this guy from Lexington law To clear up debt, your promise that I only be charged for the download of the credit report, one monthly payment Of XXXX, but yet there's no credit change in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My issue is with PayPal and it's payment to service industry merchants, in particular hotels. I have attached a screenshot of the issue. The hotel originally authorized the amount of XXXX for my stat for the night which was deducted from my account balance. The hotel then completed the transaction on the same day for {$74.00} this allowed for them to collect on both amounts even though it was for the same stay. My balance was {$130.00} after the {$77.00} was authorized and remained the same even though the later completion was for a lesser amount of {$74.00} this has happened multiple times. Last year they were able to catch the mistake however this year it seems the authorized amounts simply disappear and the authorized amount gets collected as well as the completed amount. So instead of receiving only {$74.00} for the nights stay the hotel collects on {$150.00} the authorized amount, though deducted from my balance never gets released back to the account and in addition to {$77.00} both are taken from my available balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I just graduated from XXXX XXXX. Navient, as I was told when I first had XXXX XXXX services, I had six months forbearance. I even had gotten an email stating that I was " In School '' then the next stage was " Grace '' which generally meant I had to start generating profit as a member of society and get ready to pay back my debt. I have not yet walked acrossed the stage and they have sent me dozens of emails, " ca n't make payment??? Forbearance!!! '' " Ca n't make a payment? Call us we can help!! '' What happen to my grace? I sent a screen shot of the email they had originally sent me XXXX of 2017, and they asked if I was having issues making a payment.. there is no way I can give a cent to something that makes literally no sense! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
I have had a Citibank Mastercard account since XX/XX/XXXX. My account has always been current - as a XXXX. My current balance is {$19000.00}. 

I was laid off from my job in XX/XX/XXXX. I contacted Citibank regarding my job status in XX/XX/XXXX and let you know that I would be living off my bi-monthly unemployment benefits for the unforeseeable future. In the meantime, I would continue my fervent job hunt. At that time, I set up a monthly payment plan of {$97.00} for three months in which no interest, late fees or over -the- credit- line fees would be applied. I also agreed to close my account for the time being. I asked what would happen after three months if I had not found a job yet and the representative assured me that we would continue the agreement- if need be. 

Three months later, after having made my monthly payments - I still had not found a job yet. So I indicated that I would like to continue with our new agreement. However, the representative informed me that I could no longer continue the $ XXXX monthly payments and I would need to pay at least {$190.00} a month going forward. 

I was unable to afford to pay {$190.00} at this time. In fact, given my living expenses - I would be unable to live if I paid more than {$97.00} a month. Citibank did not care about this. They were totally unwilling to continue my payment plan. They wanted what they wanted. Period. 

It is now XX/XX/XXXX. I am still unemployed and they served me court papers recently informing me that they are suing me for approx. {$23000.00}. I just mailed in my response to the court. Can the CFPB help me with this crucial matter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Navient Solutions, LLC.
State: NM
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:
Upon being told by the VA that I was no longer able to pursue a career in Chiropractic I then took the steps to have my loans forgiven as I was in the process of becoming a 100 % XXXX XXXX XXXXXXXX Veteran. I had my physician at the VA fill out paperwork certifying that I was no longer able to pursue a career. My injuries sustained while in the service were the reason for me being approved by the VA for 100 % XXXX XXXX XXXX. 

I have submitted all the required forms to XXXX XXXX   including a letter signed by my physician at the VA acknowledging that I am 100 % XXXX XXXX XXXX veteran. Paperwork was submitted in XXXX 2010 return receipt signature required. 

Account # XXXX XXXX {$8500.00}, # XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/2015 with a balance of {$1100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: TRUHOME SOLUTIONS, LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage with Truhome Solutions since XXXX and The account number is XXXX. The mortgage company pays my home owners and flood insurance from my escrow account every year and this is done by TruHome solutions. In XXXX of XXXX the insurance was not paid. Funds were not sent in to XXXX XXXX nor the The XXXX XXXX XXXX XXXX ( XXXX ). Lack of payment to these companies has cause a world wind of problems. The XXXX cancelled my policy XXXX raised my rate and every other company I deal with think I neglected paying my bills. I have been a member of XXXX XXXX XXXX for over 20 years, with TruHome almost 10 years. Immaculate credit history. Never ever missed a home loan payment, XXXX auto loans and never late making a payment. Nonpayment of my XXXX policy caused that organization to require me to get an elevation certificate and the policy is now {$2100.00} from {$590.00}, 4 times the amount that it was .My homeowners and flood was {$1100.00} in XXXX. Now it is {$2700.00}. This amount is {$1500.00} more than I have paid since I have had this mortgage. I contacted TruHome Solutions and after days of calling and calling and getting the run around I got the Insurance supervisor XXXX. After countless conversations she informed me that there was a " touch error '' ..?? an error caused by a person not clicking 'send payment '. She informed me that my payment was sent in XXXX and scheduled to pay on XXXX but do n't know why someone did n't send the payment in XXXX. I asked if there was anything that could be done to change this and she pretty much said that I was out of luck. This mistake has caused me a tremendous amount of XXXX. This mistake in 5 years will cost me {$7700.00}. 10 years is {$15000.00} dollars. This is real money. I do n't have thousands of dollars to pay for this mistake. I have to consider moving from my home. XXXX of XXXX I have to find someplace to move to of pay {$31000.00} extra in payments due to TruHome Solutions mistake. This company may have to be investigated for fraud. It 's unknown how many people has suffered because of this type of blatant disregard.

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 2017-02-02
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Over the past two years I have been paying monthly payments to XXXX XXXX now Navient through my bank 's bill pay service. These payments have been accepted by Navient using the Navient account number I used to set up my bill pay service up until XX/XX/2017. I learned by phone on XX/XX/2017 that my Navient account was delinquent. I checked my bank account and found that the payment I made on XX/XX/2017 had cleared my bank account with Navient as the payee. I contacted Navient who stated they required a copy of my bank statement showing this debit to the account which I provided and Navient has confirmed its receipt. I was told to wait for their research process. I contacted them today ( 6 days following initial contact ) and found no progress had been made. They suggested something was incorrect with my billpay service. I contacted my billpay service through my bank and confirmed that payments made to my Navient account over the past year had been accepted by Navient to the account number specified. I did learn though that this most recent payment had been returned by Navient to my account with the indication that the account number did not exist. I verified this information again with the bill pay service representative who stated again that was indeed the notation made by Navient. I had not changed any account number on my bill pay service since the time I initially setup the bill pay account. I contacted Navient again this morning who told me the account number I have been paying to for the past several years was not an active account and did not exist. They informed me of a " new '' account number that I have. They stated that this was likely the cause of my returned payment. I have now been charged a delinquent account penalty and have lost the interest and reduction in principal on my account for the past month. Navient acts as if I had never made the payment on XX/XX/XXXX even though it is clearly shown on my bank statement and the funds were removed from my personal checking account on XX/XX/2017. So, how were my payments accepted for the past several months to an account which according to Navient does not exist? And how did I receive this " new '' account number? And finally, can I recoup my lost interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
Barclays Delaware creditor have some fraudulent was of dealing with consumers when it comes to debt collection they always use third parties who then sure consumers but when I settled with their third party The Fraudulent Barclays Bank will not honor the agreement of their representative the third party. In my case The Fraudulent Barclays Bank referred me to their third party after I finish settling with their representative Barclays is still reducing to honor my request.

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 2017-01-31
Company: Navient Solutions, LLC.
State: WI
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:
Once again I am requesting your help in dealing with Navient. My original complaint was made in XX/XX/XXXX. ( XXXX ) It was not resolved and I am hoping that my concerns were noted in the CFPB Navient complaint on XX/XX/XXXX. I have paid XXXX/Navient over {$95000.00} ( almost 3x loan amt. ) since XX/XX/XXXX. Since XX/XX/XXXX, I have paid {$30000.00} out of my Retirement account. Although I was told that would pay off my account Navient said that I still owe {$37.00}. When will this end? 

XXXX was unable to locate payment records prior to XX/XX/XXXX when I requested all my records before they merged with Navient. I was charged numerous late fees ( avg. $ 12- {$19.00} ) placed in forebearance when I attended school and laid off, denied XXXX Forgiveness although I XXXX for 11 1/2 years. I was a XXXX for over 14 years working for the XXXX. I could never figure out what they were allocating my payments to : late fees, interest, or principle. I never defaulted. No matter how much I paid, I could never get this eternal loan paid. I know I fell between the cracks, but now that I 'm XXXX years old, I hope you ( CFPB ) can help an old lady out by making things right. 
Respectfully,

Company response to consumer: Closed with explanation