BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted Wells Fargo Mortgage requesting help for a modification/refinance XXXX XXXX, XXXX. I was declined twice. My home preservation specialist advised me not to make 3 months ( XXXX, XXXX & XXXX ) of mortgage payments and he guaranteed me by skipping those three months would not harm my credit in any way since I was protected under the modification program. Everything was done verbally, never on paper. I was approved XXXX XXXX, XXXX. He verbally told me the terms : 3.25 %. The missed three months would be tacked to the end of the note and they had added a couple years to the term. The monthly payments were more than my original payment. I was assured that figure was incorrect but would be corrected and reflected on the final documents that I should be receiving in the mail shortly. He advised me to make the inflated " trial '' payments and not file an appeal. It took me several weeks talking with him to agree to the " trial '' terms. I expressed numerous times to resubmit with the correct amount or to at least send me documentation indicating the corrected amount. He stated that they do not send out " personal correspondence ''. On blind faith, I made XXXX, XXXX and XXXX payments but still had not received any documents. I called numerous time and they told me to keep making the trial payments until the documents arrived. They arrived XXXX XXXX, XXXX with the inflated payments and added terms. My loan balance was approx {$85000.00}. The terms were : 3.25 %. The same inflated monthly payment for 279 months- XXXX years equalling approx {$93000.00} AND THEN A BALLOON payment of {$51000.00}. I have talked to many employees at Wells Fargo since I received their paperwork and was told that new paperwork would be in the mail shortly with the corrected terms. I have called and emailed my new home preservation specialist trying to make a mortgage payment. She will not answer, she will not call me back or respond to any of my emails. My credit has crashed to XXXX and I am now 5 months behind on my payments. This makes it impossible to find a new loan from another bank. I filed a complaint in Wells Fargo and she has delayed the process and no longer contacts me. I have attempted to let them know that I do not agree to the terms. I am in default because they wo n't take payments / I was advised not to make 3 months.

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 2016-11-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recently review my Experian report to find the same collection agency whom did not verify debt in first instance and deleted back on my report. Experian did not provide any notice of this reinsertion and did not provide notice it was deleted. The initial deletion was on XXXX XXXX, 2016 and reinserted in XXXX 2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Porsche Financial Services, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
XXXX 2008 I was forced to return my car to Porsche financial. Per CA statutory law, Porsche was then required to 1 ) give me notice and the ability to reinstate my loan, 2 ) give me the address of the auction. Porsche did not do any of the required items necessary to collect a deficiency balance. I have disputed the collection of the deficiency balance for three years. I have sent Porsche and all three credit reporting agencies a dispute asking specifically for a copy of all notices sent to me regarding the loan and repossession. Porsche has not sent me copies of any of the statutorily required notices that they had to send me before they could legally collect a deficiency balance. 
Finally I received a statement from XXXX where the history was removed, yet, they still continue to report a balance that is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I have been with USAA for more than 10 years and had a XXXX with them in good standing for just as long. On XXXX XXXX 2016, a charge was fraudulently made on the XXXX and shortly after that, USAA stopped using XXXX and changed their card to XXXX. This balance from the XXXX was transferred onto the XXXX which replaced the XXXX, and I did n't find out until a couple months later that there was a balance on my new card ( which had never been activated by the way ). After making several 2 hour long phone calls to USAA regarding this, a security credit was issued to the old XXXX but was never transferred over to the XXXX. Therefore, it shows a balance on the XXXX for which USAA is holding me responsible despite several phone calls over the past 4 months to USAA to try and rectify this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have XXXX checking accounts with USAA and I owed money in XXXX account and today I am locked out of all of my accounts until I pay the negative balance. The balance in my other accounts was taken out and put toward that balance all of my cards are frozen. I never received any notice that this was going to be done and now I ca n't pay my rent or car payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
As I was searching for mortgage options, I discovered XXXX, which is managed by Supreme Lending. After being contacted by XXXX XXXX out of Colorado, we talked and he told me that I would qualify for a home mortgage of up to {$150000.00}. The biggest question was " after deferment, how much would your student loan payment be? '' After getting the estimate from the generator on studentloans.gov, i gave him the approximate and he said it would be fine and I was credit worthy. Excitedly, I shopped around and found a house for {$130000.00} ( well below his recommended. After contacting him, he consistently told me he 'd get back to me to get more information, and often did not reach me for a week. After finally getting ahold off him, he asked for the student loan information and the number given after getting this years AGI was less than projected, which is good. However, he did not explain that since the loan was in deferment that they will count 1 % of the loan, which is substantial. He did not clarify this two months earlier when we were talking about this. After trying to talk to him and suggesting I just consolidate the loan, he just stated that I gave him wrong information and that he does n't get paid on loans he ca n't close and that I should find a bank in the area that will due it in a month. We were already discussing repairs and now I am out my earnest money because he does not communicate. Thanks Supreme Lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
ChexSystems, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX had release to XXXX, FALSE information about my credit report information, consequently, 4 applications for credit were denied injuring my rights to obtain credit. CheckSystems released outdated information, more than 7 years old, which not longer exists becuase of the statue of limitations are not longer legally to report to nobody. Also, ChexSystems provided an old address and phone numbers belonging to other people in other State which is FALSE. There is not any records of any jusgement against me, bankruptcy or liens filed against me by Federal or State goverments. My credit score with XXXX is above XXXX. Therefore, ChexSystems decision to publicly released FALSE information was intentionally made with the objective to inflict personal harm. As the result of ChexSystems'action my applications to obtain credit were rejected by 4 potential lenders. I affirmed that as long ChexSystems continues inflicting personal harm to customers like myself, this company should not be permitted to conduct this type of business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card
Issue: APR or interest rate

Complaint:
This is regarding the RCI Mastercard from Barclaycard. 

I set automated payments through my online banking for a transfer I did over a year ago and payments were happening without any problem. The on XXXX XXXX, XXXX I learned that I owed over {$200.00} dollars in late fees, which was unexpected given the automated payments. I called and was told there had been an interest rate change that I did n't know about. Anyway, not only I proceeded to pay that fee but I also asked what the balance amount was so that I could pay it in full and have XXXX balance. The proceeded to pay the full amount but then on XXXX XXXX, XXXX I get a statement indicating a balance of close to {$1000.00}. Note that I made no use whatsoever of the credit card. I called again and the representative said it was balance left from the last payment. I insisted that I paid the full amount I was told to be at XXXX balance because I did n't want to have to pay interests. So then I asked again for the full amount to have XXXX balance and I paid immediately. Then last night, XXXX XXXX, XXXX I get yet another statement indicating that I still owe {$2.00}. This is unacceptable! I called and was told it was interest. Why is RCI Mastercard Barclay doing this? The only explanation is that by ripping of a few dollars out of hundreds of thousands of customers they are ripping XXXX dollars from us. I the end the representative waved that payment but ( a ) I may still get another statement next month and ( b ) the issue is not the amount but the act. 
There should be a Class Action Suit against RCI Mastercard Barclay because this is deliberate abuse. I demanded all my conversations with RCI Mastercard Barclay to be recorded so that they can be subpoena. 
It is the responsibility of the authorities to take action on this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Back in XX/XX/XXXX I have a returned credit card payment on my old navy store card through synchrony bank. I corrected the issue a few days later. Moving forward I made all of my payments on time every month. In XX/XX/XXXX I got another returned payment notification and again I quickly corrected the issue. My card has always been set up on auto pay but on this day in XX/XX/XXXX synchrony bank attempted to collect the scheduled payment around XXXX est and my direct deposit did not enter my account until after XXXX that day. Although I made the payment once I was notified that the payment was returned my account with synchrony bank was closed. I spoke to a rep and XXXX managers and was told that there was nothing that they could do to help me. I do n't feel that this bank is for the people, I feel cheated. Ive been working very hard on my credit and to have a closed account on my credit report is just down right wrong. The rep and both managers totally understood where I was coming from and even stated that I 've made all payments on time. They were very apologetic but could not do anything to reopen the account. My current balance on the card is {$57.00} not even close to my {$300.00} limit. Is there anything that I can do to get this card reopened? I am planning to purchase a home this year and I really do not want this on my credit report.

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 2017-01-10
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Last year during XXXX I defaulted on my credit bill payments as I was gone for XXXX and subsequently, upon release from XXXX, was unemployed for over 3 months. I got a job XX/XX/XXXX and have filly fully paid my barclays debt. However, my credit report still shows that I owe barclays a balance of over {$800.00}, although, I have proof I have paid my debt in full. I called them to request the credit bureaus be updated but they refused to help me or point me to anyone who could 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 2017-10-11
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
credit card from fl. XXXX XXXX had an agrement to take {$150.00}. out of my checking acct. very month, on XXXX/XXXX/XXXX they took it out but also on the XXXX, they took unarthorize amount of {$750.00}. have called over a week said no money then said would credit wish they have not done. it made my checking acct. to be overdrawal {$750.00}, can u help 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 explanation
Consumer complaint received 2015-08-24
Company: USA DISCOUNTERS LTD
State: AE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had an account with USA Discounters and I saw that they are now going out of business. I received a letter from XXXX ( I am Military ) saying they were going to garnish my wages. I did not receive any paperwork or court order of having to pay them. I had trouble paying and they ended up suing me in XXXX back in XXXX 2015. I did not know that they did this and before tried working with them. Now that they are out of business how am I supposed to fight this? I am XXXX and according to XXXX I got the court order which I did not. What am I suppose to do to combat something I did not know was happening? I looked up Warrant of Debt ( that is what I guess they supposedly served me with ) and it says that they can not sue me in a state where a contract was not signed. I was in XXXX at the time and When XXXX said they sued me, I was in XXXX and the court proceedings were in XXXX. Attached is what I got from XXXX but never got any court orders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I went on a cruise in XXXX, 2014. Barclays Bank Delaware was marketing a Carnival Master Card. I applied and was approved. I never used the credit card. After learning there would be a processing fee, I immediately cancelled the card. All purchases incurred on the trip was paid from my debit card on another credit card. After sailing I never used the card and they charged off the account on XXXX XXXX, 2014 and claim that I owe them {$430.00}. I never used the card and why are they charging me {$430.00} for an account which should have a zero balanced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I found that a late charge was assessed to my credit card account ( Synchrony Bank, Gap VISA ) showing the last payment made on XXXX XXXX, 2015 even though my online banking account showed that a payment was clearly made on XXXX XXXX, 2015. When I called the customer service line, I was immediately transferred to the debt collection department. When I explained the situation, the customer service representative communicated that my payment was accidentally applied to a closed account and therefore showed the current account past due. She explained that she would waive the late fee and correct the payment so that it was applied to correct account. She noted that the next payment would not be due until XXXX. I thought the situation was completely taken care of until I received my statement and checked my credit card account online. Not only are they showing that the payment was never correctly applied, they have increased the payment amount from {$160.00} to {$340.00} and have assessed late fees. When I tried to call the customer service department, I was again routed to the debt collection department from which I received a recording that the department was not receiving calls today ( it is a business day during their normal business hours ). I did not want this to impact my credit history so I made a payment online, but the problem has still not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
We were late, only once, and on no other credit cards or loans, on a Carecredit/Synchrony Bank account over XXXX years ago. This has resulted in a lowering of our credit score and we have on XXXX occasions asked XXXX to remove this detrimental to our credit inasmuch as the mishap happened over that length of time. They refuse. Can you help? 
My name is XXXX XXXX XXXX, and that accuont with Carecredit/Synchrony ended in XXXX. 
We have no other bad credit charges on our reports other than this. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I got these negative items from unknown companies to show up on my credit report.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX BALANCE : {$96.00}

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 2017-03-08
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Other

Complaint:
Synchrony Bank opened a credit card account in my name without my knowledge or permission. Then sent me a credit card through the mail to my residence.

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 2016-01-12
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Billing statement

Complaint:
In XXXX 2015 I paid this card off leaving a zero balance. In XX/XX/XXXX I placed a small order on easy pay of 3 payments of {$19.00} for which I never received statements and forgot about in the holiday rush. 

On XX/XX/XXXX I received an email from myfico that my credit score was dinged and they were reporting me 30 days delinquent. I immediately contacted them to advise I was not receiving statements and paid the balance in full requesting that all fees, late payment credit reports, my credit limit be restored back to what it had been. To date they have only reversed XXXX late fee of {$35.00}. 

I multiple accounts with Synchrony and have never had a problem. I certainly would not default or be late on a $ 20 monthly payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
They XXXX 's said they closed my card out now saying no but basically holding me to things I never ordered received n refusing to close the account I 'm now getting threatening letters to take action vs a  identity theft victim XXXX which is wrong.i do n't owe XXXX 's n they sent me letters stating so I do n't know what their new position is but it 's not gon na fly vs me

Company response to consumer: Closed with explanation