BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a credit card with the company with a credit line of {$700.00}. I went onto their website and made a purchase of {$580.00} on Tuesday   XXXX    . I went into the store today  X/XX/17    to return {$340.00} worth of the online purchase due to ill fitting clothing. I then went to try on clothes and shop in store for better fitting clothes. I went to the check out counter with my purchase and was told I had to to call the customer service number but not why. With a line of people behind me I had to call the customer service number. The first representative advised me that I did not have any available credit to make my purchase and that I was in fact over my limit. I advised her that I had a credit line of {$700.00} and made a purchase of {$580.00} and a return of {$340.00} ; therefore, I should have {$450.00} available. She informed me that my return today of {$340.00} would not credit my account until the clothes made it back to the online warehouse. That is bad enough. I can understand if the credit takes a few days to post, but if the store has the clothes they should not have to wait to credit me until the clothes physically make it back to the warehouse when the company is possession of the clothes! My real gripe though is that even without the return I should have had {$110.00} in available credit. The lady argued this point with me as I tried to get her to understand basic math. She then transferred me to a another representative who researched my account and let me know that while she agreed that yes I should have an available credit of {$110.00} I do n't have any available credit and I 'm showing as over my credit limit. I asked how this could possibly be. She tells me that even though she can see the original {$580.00} hard posted to my account that there is still a {$580.00} authorization holding funds on my account that she can not manually release, so my account reads as having {$1100.00} charged to it. This makes absolutely no sense. I could have spent {$700.00} even that day online, but I did n't. Due to their weird practices of hard posting and having the authorization still there  four  days after my purchase means I could not use {$110.00} worth of credit that I should have had available to me. I wasted three hours of my time in that store trying on clothes and dealing with the phone call in line in front of other patrons only to walk away empty handed. I also missed out on a store-wide sale today that I wo n't be able to take advantage of when my account finally balances out. This is beyond frustrating. When all credits post to my account and the authorization falls off I think I might just close the account and never shop there again.

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 2015-10-01
Company: Convergent Resources, Inc.
State: NJ
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:
part of the amount i try to pay, but haft of that debt i not. because we use calling card to make that call. and they never tell us to that we can`t use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Hello Digit, LLC
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Over the course of XXXX, I signed up for the waitlist to join XXXX XXXX ( now partnered with XXXX ) to open an account. This account would have included a Bills account, Spending account, and Saving account. After normal processing, I held the account, but I wasn't using the account as actively as I thought I would have. So in XXXX of 2022, I decided to close the account. I have included supporting email records to show this. 

Almost 6 months later, I was looking to re-open an account with XXXX  and fully transition to them from XXXX XXXX. I started the process over since it had been a while since the previous account was closed. I followed the instructions to create a new account, but after entering my SSN, I received a message stating that " Something went wrong '' and the " Bills & Spending '' account can't be opened for me right now. 

I then reached out to support to find out why and was told " I took a look, and I'm seeing that you previously had a XXXX account and then signed back up to XXXX. Because of that, you are not able to change your XXXX  account back to a XXXX account. I'm really sorry for the inconvenience, but there are some technical limitations with our system that prevent more than one switch between the two account types. '' I asked if there was an override for this. I was thinking that it was something I needed to do on my end to fix the issue and get the account opened, Instead I was told " You're asking a great question. I can definitely see how this could have been beneficial, but unfortunately it's not something we can offer right now. '' I was, however, allowed to open another account type, which is their saving feature account, but not the other. Also, considering her language about more than one switch between the two account types, this would have been my first and only switch. 

This feels unfair and unclear. There's nothing I could do to resolve the issue with them. There is no number I can call. Nothing. Just going the extra mile, I requested my consumer records from XXXX to see if there was anything I could be at fault for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: ATG Credit, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I only became aware of a debt that was placed on my credit file because of a security clearance for my job. I contacted phone number XXXX, which was shown to be the number for the collection agency, not sure of the name, as the credit report shows XXXX, but when I contacted this number the recording states, office of XXXX or XXXX I spoke with a rep. by the name of XXXX who informed me that this debt was from the creditor XXXX from XXXX. I explained to the rep. I have no idea what this debt is and why it 's on my report and why I am just hearing about from XXXX. I informed XXXX I am disputing this debt, please refer it back to the original creditor! He stated the debt will stay on my report until it is paid and it 's on my credit report because it has n't been paid. I disconnected the call because XXXX was clear about their company 's disregard for the laws of the Fair Debt Credit Reporting Act. I have not received any information about this debt, in any form, but it has been placed on my report, wrongfully. I ask that this debt be immediately removed and never placed on my report again! To place a debt on someone 's credit report after XXXX years is totally ridiculous. The collection agency shows a id number of XXXX, original balance of {$44.00} and a current balance of {$43.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Exeter Finance Corp.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
In XXXX of 2014, I tried an XXXX XXXX XXXX and found their interest rates and car selection to be predatory and unacceptable. I never went through with any of the loans offered, and when asked if they could do a credit inquiry I was told that they would only do XXXX soft inquiry that would not affect my credit report, only to find that my TransUnion credit report has XXXX hard inquiries from the same group of financers that I never approved. XXXX of the hard inquiries were made soon after my meeting at the building that XXXX tells you to go to when financing a vehicle. XXXX inquiry was made a month after my visit to the office. There is simply no excuse for them having done XXXX hard inquiries when I only authorized them to make XXXX soft inquiry that would not impact my credit. I did not use any of these financial services and went with a XXXX loan instead. 

EXETER FIN ( XXXX XXXX, 2014 ), XXXX ( XXXX XXXX, 2014 ), XXXX ( XXXX XXXX, 2014 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: SC
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:
Inaccurate reporting. I filed a dispute with XXXX XXXX XXXX. They did not respond to my dispute. This item should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Select Management Resources, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/XXXX, I asked my brother to take a payment to the title loan company and the representative XXXX XXXX XXXX at the counter disclosed my entire account information with him even though he is not on any loan contract which I have with them. I have made calls to the corporare office to lodge a complaint and I was told that I had to speak with someone at the office where the offense occurred. The store manager said that " I told her not to talk to the relative but she did it anyway '' as a store manager she should have stopped this immediately. They are not taking responsibility for the error in judgment. I want the satisfaction of knowing that no other customer has to endure this unethical behavior. I take pride in my privacy and they have completely violated that by disclosure of financial information to a third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is claiming our escrow account has a shortage. Our county, local and school taxes did not go up. Actually, our school taxes went down according to Wells Fargo, but I ca n't find the exact amount. Our homeowners insurance increased by {$53.00}. When I add the monthly escrow amounts, we only have a shortage of {$41.00}, but Wells Fargo claims it is a shortage of {$62.00}. I asked customer service to re-do the yearly analysis since it is wrong, and she says they wo n't redo it. They mailed our coupon for XX/XX/2017 and now have us paying a shortage of {$100.00}. I 'm willing to make up the shortage of {$41.00}, but I 'm not willing to pad my escrow account and have an extra {$60.00} for Wells Fargo to use for their interests. My escrow account should balance {$0.00} when Wells Fargo is finished paying our taxes. Wells Fargo makes money on our mortgage, not on our escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Freedom Mortgage on XX/XX/XXXX to request an excess from our escrow account to be refunded. I was told the escrow excess would be sent in a check via 5-10 business days. I called back on XX/XX/XXXX and was told by the agent that the analysis was never completed or requested. I can see online that there is an excess, and it needs to be refunded. This has been 30 days since to get a simple formula let alone the money.

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 2015-03-26
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XX/XX/XXXX I closed my XXXX account where my XXXX loan payments were drafted automatically every month without any delay. At that time, I setup through ECSI 's website an automatic payment to be drafted from my XXXX account starting on XX/XX/XXXX even increasing my minimum payment of {$59.00} to {$81.00}. I noticed that my account was drafted on XXXX and assumed that I had setup correctly the automatic payments. On XXXX XXXX I received a call from XXXX ( XXXX XXXX ) stating that the XXXX payment has not been received and I was due XXXX, XXXX and a fee of {$30.00}. Immediately, I called XXXX and spoke with a representative by the name of XXXX and explained him that I tried to setup through their website the automatic payments, and please go ahead to take my new XXXX account information where the monthly dues were to be drafted. He advised it had been done and starting XX/XX/XXXX at that time I went ahead and made a payment through the website for {$150.00} which represented XXXX, XXXX and the late fee. In XXXX XXXX I called again because I received another call and when I called back I spoke with XXXX. She advised that the XXXX payment was still missing and that I owed XXXX ( again ), XXXX ( in XXXX ) and another {$30.00} fee totaling {$210.00}. At that moment I requested automatic payments to stop thinking that XXXX had declined the transaction. I went ahead and called XXXX to ask for an explanation where they told me they had not received any request to debit my account from XXXX or XXXX. Then I called back to ECSI and was advised that they tried again to collect in XXXX from XXXX and could n't collected the payment ( even when I had specifically asked for that account to be removed from the system ) and that the payment I submitted of {$150.00} did n't cover the XXXX payment because it was applied to interests and I was due XXXX, XXXX and a fee of {$35.00}. Note that I have not been late since I started with this loan. I see this as a very unfair practice from this lender and I recommend the CFPB to look into this as they are collecting fees unfairly from their borrowers due to a mistake in the way their system is configured and poorly trained representatives. Such fee I have been advised twice that is not possible to be removed. I am supposed still to receive a call from a supervisor in XXXX business hours. I appreciate your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Comerica
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I found out today that there are several fraudulent charges on my XXXX debit card issued by Comerica Bank ( DirectExpress - USDirectExpress.com ). I 've tried multiple times to dispute these, but each time I 've been disconnected. I 've reached the first tier customer service- after giving all my personal info each time - and then they say I have to talk to " Level XXXX '' and they transfer me and then I get disconnected after they transfer me. One time I did reach a level XXXX rep and told her about problem being disconnected and she said it would n't happen again, and sure enough it did. They have the info regarding which charges are fraudulent, but apparently I still need to talk to another dept. anyway - yet I ca n't reach them. They ( the crook ) took all of my XXXX payment which is what my son and I live on and now there is no money left in my account so we are in a desparate situation. I 've also had other issues with this credit card company where they cancelled my card without notifying me and then charged me for a replacement card. I appreciate any help you can offer. Also, uploaded transaction info from bank website which shows XXXX of the fraudulent charges ( apparently there are others that have n't appeared on the website yet. ). The first XXXX charges are fraudulent XXXX XXXX, XXXX XXXX XXXX XXXX and there are also several not shown which are from the XXXX XXXX, CA area ( XXXX. and others ) which are fraudulent as well. The only authorized charges were from the XXXX store and XXXX atm withdrawal - the rest were not authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE. XXXX XXXX. {$140.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Veros Credit, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I defaulted on my Auto Loan with Veros Credit. they repossessed my Vehicle on XXXX I called to gt location and amount needed to get vehicle back. I was told that the vehicle was in route to the auction so there was no location on file for me to retrieve my personal property or to pick up vehicle. The agent said they were unable to tell me how much is owed to get vehicle back. I had 2 agents hang up on me, finally spoke to a manager and I was told i need to pay the entire amount of loan which was close to XXXX. On XX/XX/XXXX I received a phone call from a rep at Veros Credit who said I only need to pay {$3000.00} to take ownership of the vehicle and that would allow me to keep my current loan and reduce my payments to {$350.00}. XXXX I made the payment for {$3000.00} on XX/XX/XXXX XXXX the following day I got a call from the Same woman at Veros Credit XXXX She informed me that my Vehicle was SOLD the day before at Auction. The funds were returned to me. I only got 1 notice in writing regarding the sale and repossession of my Vehicle and that document DID NOT include the address for me to pick up my personal property either. If I had this option in a timely manner I would have been able to secure my personal property out of my vehicle and get my vehicle back. This information was never disclosed to me. The entire process was extremely deceptive. I was mislead, lied to and taken advantage 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 2017-01-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been trying to work with Naivent to help lower my payments. They have given me few no options as to which to lower my payment. When I submit for lowering my payments they take into account my gross pay, not my net pay and they also do not consider any other expenses a month. This in turn allows them to charge an extraordinary amount of money to repay my loans. I have been trying for several years with no resolution. I have been reported to my credit agencies as late but have not defaulted. I fear if there is no positive resolution I might default on my loans. I have no problem paying but it needs to be fair to me. If you have a car loan for 6 years for {$70000.00} you are still paying less than for a student loan for 30 years at the same cost. Makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a loan through Flagstar bank and I tried to do a loan modification XX/XX/XXXX and XX/XX/XXXX. I had a credit score that should have qualified me for loan modifications per government regulations at the time but the Flagstar Rep told me they look at " other things '' too and that I did not qualify. They told me my only avenue for saving my home was to " stop '' making payments on my home and let it fall into foreclosure and I can apply for loan modification that way. I gave them everything they asked for ( bills, bank statements, Profit and Loss statements, tax returns, etc ) It was everything. I was told to fax it to them and I did. Over and over and over again. When I called to check on anything I got a live person XXXX out of every XXXX times I called. I kept getting letters saying we need more information but I would call and they said " no we got everything but send it again with updated versions ''. I must have done this at least 10 times and I never ever got a legitimate answer or resolution. Then the trustee sale happened and I was notified to leave the home immediately. I did everything they asked for over a year sending every last document they asked for several times over and over and never got an answer or resolution from Flagstar. The bank forced me into stop making payments by saying they ca n't do anything until I miss XXXX payments. They did not modify my loan even though at the time my credit score was over the minimum required by the government HARP program. Then they took my home that I had for nearly 20 years. I see they are part of a class action suit how do I become a part of that? What is my best course of action? Appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent a collection notice on a bill that I paid already. Hospital has no record of sending to collections.

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