BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I received notice that I was required to vacate my house from my landlord in XXXX. My one year lease expired in XXXX and we did not request a new XXXX. The house was purchased for his daughter and had verbally agreed to a 3 year rental. His daughter returned from school early and he needed to move her in. This is the situation that caused me to become late on my Care Credit with Synchrony Bank. In XXXX of 2015 my total balance was {$310.00}. I made a payment of {$84.00}, my minimum payment was {$45.00}. I paid extra due to my earlier delinquency. Payment shows posted on XXXX/XXXX/2015 on Synchrony statements and the total balance due is now {$270.00} I have made XXXX payments of {$50.00} since XXXX for a total of {$250.00} which should leave my account balance at a credit of + {$21.00}. I had switched to electronic statements and made all my payments out of my XXXX check on or around the XXXX of each month. I noticed my balance was increasing rather than decreasing and logged into my account on my phone, saw I had accrued late fees. this is not possible since my due date is the end of the month and I pay at the beginning. Called customer service and they kindly agreed to refund the {$25.00} which they did. The agent said it would be better to make my payments after the XXXX of the month, not earlier and then there would be no confusion. I do not agree to making my payment later, I have cognitive difficulties due to my XXXX and could easily forget. Today I finally was able to go to an actual computer and pulled up my account they say I owe {$130.00} in interest and late fees! I have been on the phone for well over an hour and spoken with a total of XXXX different agents. My very first statement was I do not want to have to repeat myself, may I please have the XXXX person who has the authorization to fix my problem. XXXX Agents later and I still have no resolution. The agents barely spoke XXXX and kept interrupting my train of thought. I even authorized my son-in-law to speak on my behalf because they kept confusing me talking about XXXX, the XXXX fee they did refund. I asked them repeatedly to start in XXXX when it all started and had no success. So now I 'm filing a complaint which I should have done in the first place rather than try to get Synchrony 's XXXX agents to understand me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had this credit card since XXXX. Bank of America closed my account for inactivity which I do not believe is the case to begin with but they have closed access to my statements. My issue is with the credit history. Obliviously credit history is a major part of credit scoring. I believe this is an institutional construct to lower credit scores of long term clients by closing accounts without their knowledge. I was not notified and was told I was told that they mailed my new renewal card on XX/XX/XXXX and cancelled the account on XX/XX/XXXX without notification. I find this extremely disturbing and poor business practices. I asked to have my account reopened which seems very easy but was told that is impossible. That seems like an easy fix. They immediately offered to give me a new card which would lower my credit score which they did not disclose. I find all of these reasons that are just as poor form as the XXXX XXXX incident from a few years ago. Thank you for your 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 2016-11-10
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I find it interesting and not a coincidence that Nationstar did an escrow analysis on my account AFTER I filed a complaint on XXXX. complaint # XXXX. When I checked their website before I filed the complaint on XX/XX/XXXX, it said my next escrow analysis would be XX/XX/XXXX. Before XX/XX/XXXX, it showed the next escrow analysis would be XX/XX/XXXX. So why was one completed AFTER the complaint was filed? Why did the website show the next one would be completed next year XX/XX/XXXX? I am sorry but I XXXX! 

AFTER I submitted the complaint and right after they responded, on XXXX, on XXXX they did an escrow analysis. So I do n't believe this is a coincidence but rather a result of filing a complaint against them. 

so now my payment is going up again by almost {$100.00} which again defeats the purpose of the modification, my payment is now higher then before it was modified. If I dont make the full payment then I get kicked out of the modification program and my house goes back into the Foreclosure process. How is this helping homeowners stay in their homes???? 

They cant admit they are wrong EVER and still refuse to prove that a lower interest rate was given over the phone multiple times. They have the proof in their phone recordings but refuse to provide that proof because they know they are wrong. Yes the modification paperwork was signed but again phone records should prove that this was still in question but due to the shortest timeframe ever, there was too much of a risk of losing the modification while the interest rate was still being disputed. which I was reminded of multiple times over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Yes, I still am a Wells Fargo customer. I have an open active Wells Fargo Visa Credit Card. 
I have it in my posession. I have not closed my account. Why is Wells Fargo making calls to me? A male calling me at XXXX XXXX  from XXXX and harrassing me today XXXX, XXXX  and stating, " You are not a customer of Wells Fargo XXXX '' This has to stop! I certainly am a Customer. My account was opened by me In XXXX, Oregon and I have the legal documents to provide .This is continual direct verbal attacks and harassment from Wells Fargo XXXX The call today is legally documented at XXXX minutes and XXXX seconds. 
Why am I receiving Wells Fargo advertising and emails and calls from Wells Fargo? Why is Wells Fargo sending me checks from illegal activity on my present credit card. Please explain? I have an open active account. My question to Wells Fargo is how many accounts did you open under my name without my knowledge and permission? A Wells Fargo manager in XXXX purged accounts without my permission. 
Please prove to me that I am not a customer of abuse. 
Please contact the XXXX, Arizona police and schedule an appointment for viewing of this Wells Fargo Visa credit card that I have in my profession. 
I am not a liar. 

I have established who I am to you in your banks and have the legal documents in my posession and you should have them also. I want my settlement court ordered final check. I will not be accused and abused by the Executive Wells Fargo office or other unknown people calling me directly. Please check my Wells Fargo history I have an opened XXXX XXXX and as soon as you pay up my court ordered settlement I will rid of my card. 

Please do not harrass me. I have done nothing illegal. Please note you once again have my address incorrect. You have been provided the correct mailing address numerous times. My banking account is not closed. 




LouA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2020 XXXX  reported that my account with XXXX XXXX was 30 delinquent. However this information is not accurate as the charges that XXXX XXXX has attributed to me are not related to the actual payment history. The charges are being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Resurgent Capital Services L.P.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home with The XXXX XXXX Bank in XXXX in XXXX 2016. XXXX sent a cashiers check to LVNV Funding / Resurgent Capital Services to payoff a judgement filed against my deceased husband that became a real estate lien due to non-payment. After many telephone calls by myself and my banker, we received a letter dated XXXX XXXX, 2016 stating that the lien had been satisfied and the release of judgment will be filed. No such release has been received by XXXX XXXX as of this date. I feel that this release should have been taken care of many months ago. I am sure that my bank would have taken care of this in a matter of days, not over 6 months.The bank 's attorney sent a letter to LVNV / Resurgent Capital Services on XXXX XXXX, 2016 with no response. Your assistance in this matter will be appreciated. I wish all financial institutions treated customers as XXXX and XXXX XXXX XXXX Bank in Staunton does. They do it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: SC
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: Other problem getting your report or credit score

Complaint:
On XX/XX/2020 I was alerted that my Equifax account was frozen and was asked to submit documentation to prove my identity in order to open my account back up. Listed below are the attempts I have made to rectify this problem by phone call dates, and paperwork submission dates : Phone Call dates : XX/XX/2020 ( 2 calls ) XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 Paperwork submission dates : XX/XX/2020 ( Via facsimile ) XX/XX/2020 ( Via facsimile ) XX/XX/2020 ( USPS ) XX/XX/2020 ( Via facsimile ) With every phone call, the Equifax response was either disregarding my phone call or giving me a statement by an employee the issue would be resolved if I submitted the same paperwork one more time. I have now spent a lot of time and money trying to resolve this matter, and a lot of confidential paperwork has been lost by their department. I have gotten several law offices involved in the discussion of pressing charges, they suggested I start here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: AXOS FINANCIAL, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I checked my account and noticed a fraudulent transfer and immediately notified my bank ( AXOS BANK ) and it took them over two weeks almost 3 weeks to tell me that " no error has occurred '' and that they are denying my claim and not even letting me appeal their decision. I am not sure what's going on but they have also lied and made up things that I have not said quoting that I told them that the other bank which my money was transferred to was going to refund me which I never ever said!!!!! It seems like they are not trying to resolve my case or look into it whatsoever and they are just trying to keep the money that was stolen from me which I do not understand. At this point AXOS BANK is just as bad as the criminals and thieves that steal money from other hard-working people. I have asked over three times to speak to a supervisor or manager and nobody has once bothered to even call me and each time I call they tell me no supervisor is available which is complete XXXX!! Customer service is literally non-existent and they act like me losing my {$350.00} is very normal which to me is kind of odd because I thought your bank was supposed to try to protect your money... not let people steal it and then tell you there's nothing wrong with that at all! I would highly suggest to stay away from this Bank unless you want them to rob you and smile in your face or let someone else rob you. I will be filing a police report against the bank itself and also about the fraudulent transfer. I am beyond DISGUSTED with this bank and I don't believe there is a worse financial institution out there!! Please never leave EVEN A XXXX of your money with this Bank unless you like having your money taken from you!! SHAME ON YOU AXOS BANK..SHAME ON YOU!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a student loan in the amount of approximately {$44000.00}. Navient is my loan servicer. My loan is currently defered due to unemployment. While employed I was making monthly payments that, unbeknownst to me, were not enough to cover the monthly payment. Instead of reducing the amount owed my principal was increasing every month regardless of my payment. My loan began with a balance of approximately {$38000.00}. I was never informed that the unpaid interest would be added to the principal monthly. The interest rate i s 6.8. It  is possible to extend the loan period to 25 years and reduce the interest t o 6.75 maki ng monathly payments of {$300.00}, which is still too high. My loan balance would then increase to over {$90000.00}, almost tripiling the original amount. It was never clearly explained that the loan amount would continue to increase when I took a forebearance or deferment. It is becoming more difficult to pay this loan as the balance has never increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Beginning Monday, XX/XX/2020, I have attempted to contact my lender, XXXX, and the team ( copied ) numerous times via email, text message and phone to answer questions regarding my home loan. Each day, I have been told by various recipients that my questions and concerns need to be directed to my personal lender, as he should advise. Simultaneously, I am told by my lender himself that he is going to check with the team and get back to me, only to leave my calls and messages unreturned and questions unanswered. 

I have been trying to ask questions regarding compliance, policy, documents I have received and, most importantly, communication. I have asked multiple times why there has been a lack of transparency and honesty in regards to my loan in underwriting and as it nears closing. Once again, the team directs me to my lender, and my lender is not providing any explanation as far as the reason for any miscommunication. The lender also added additional charges to the initial closing disclosure, which have been question but he has not provided specific answers. 

Additionally, I have also been asking for a revised closing date for the last four days as my family and I have to make arrangements to attend. Initially, I gave a closing date of XX/XX/2020. Beginning XX/XX/2020, I began asking the lender and the loan coordinator if we are on schedule to close by the given date ; the lender has always told me that we are on schedule and should be closing. During the week of XX/XX/2020, I received communication via phone from the lenders assistant that we are definitely not closing on XX/XX/XXXX and the soonest would be Monday, XX/XX/2020. This was not communicated to me directly from the lender, who still said he had only hoped it would have closed on the original date. To my knowledge, my file was not sent to XXXX XXXX on Friday, XX/XX/2020 as the lender stated in the email below. The closer, XXXX, at the title company, has said to me that she has not received anything concrete from the lender and the team and will not schedule closing. 

To reiterate my concern, both the seller and the contacts at the title company both share the same sentiment : that XXXX and the team are not responsive to their calls and emails. I do not believe they are telling me this to get me worked up, as the lenders assistant said to me via text. Understandably, we are all trying to close on this deal ; however, this can only be done when there is communication between all parties involved. I, as the buyer, have the right to obtain feedback from all parties and have attempted to sort through the misconstrued information as best as possible. As the buyer, I also expect my lender to provide timely and truthful answers to my questions about my loan specifically and the buying process as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: AL
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The root of the problem goes about 6 months ago when my son 's XXXX XXXX got involved on an accident with XXXX XXXX, client of XXXX XXXX, reference # XXXX : XXXX/XXXX/2014. The accident was resolved and declared as mutual responsibility. However, XXXX claimed it different to XXXX, who paid her claim and after filled a collection bill on my name and my son 's name. Soon, I started receiving letters and threating phone calls from a company called AFNI, saying they were legal representatives of XXXX and telling us we need it to pay the bill immediately or face jail time, drivers license suspension and claims on the credit bureaus instead. After reporting this situation to XXXX, XXXX representative XXXX XXXX closed the case and sent me a letter saying the collection was definitely resolved and apologized for the inconvenience. I have this letter on my possession, showing that the case was closed and resolved. We moved on, but two weeks ago my son got pulled over to find out his license had been suspended by XXXX and AFNI collection company since the accident took place. He was driving without a license for months and we did n't know because we were not notified by either of these companies. We have contacted the State and pertinent authorities and they have told us, they need form XXXX signed in order to reinstate my son 's driver license. We have repeatedly called AFNI collection company and asked them to signed this form giving the proof that the case was closed and resolved, but this company supervisor refused to signed and laughing told me " you can paid the amount ( collection bil ) or you will never see your son 's driver license again '' " this is not my problem, contact XXXX and have them sign ''. I contacted XXXX and faxed them the letter they sent me stating that the case was closed, and I have got nothing but promises that someone is going to help me, but no one has. In the process, my son has no driver license and I 'm sending off to college. Also, I requested a proof of debt which I never received, most likely because this case has been closed and resolved and because we never went to court over this debt that was falsified by XXXX, client of USAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Paypal Holdings, Inc
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I used Paypal to send money. They withdrew {$2500.00} from my bank account, but never sent it to the recipient. They have refused to provide customer service to resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I switch from XXXX to XXXX XXXX for a lower rate ... my insurance premium ended on XX/XX/XXXX ... and I did not have a lapse in coverage now XXXX   has sent a collection account to the 3 credit bureaus without explanation ... I feel as if I should not be charged {$270.00} for trying to find a lower premium especially if XXXX XXXX has more benefits ... they are over charging me as if I had a lapse in coverage ... I want XXXX to remove this from my credit reports

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2016 I opened a XXXX Account. XXXX had accidentally opened 2 accounts at the same time. The second account was supposed to be closed and was never activated or used. JEFFERSON CAPITAL SYSTEMS had ( 2 ) collection accounts for the same date range and approximately the same dollar amount. I paid the account that was tied to my phone number. Aftervmultiple disputes JEFFERSON CAPITAL SYSTEMS is still refusing to remove the {$750.00} collection account from my credit report.  XXXX also has no record on file for this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: EQUIFAX, INC.
State: IL
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  is reporting XXXX as a collection and as an account that was bought by a third party. Not only is XXXX  reporting the account as delinquent but also as an account that has been sold to a third party for collection. 
The information regarding the account in the report is not only incorrect but also being reported multiple times in different ways as a negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: WELLS FARGO & COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Unauthorized XXXX money transfers from my checking account for total of {$1400.00} in 3 different transaction on XX/XX/2022 reported to my bank but rejected the claim and closed case.

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