davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (MO)

XXXX XXXX, is XXXX XXXX XXXX and XXXX about two years ago. Her XXXX affected many of her XXXX including her XXXX and required her to purchase XXXX. Since she is on XXXX and has no income, the XXXX doctor recommended she use the Synchrony Bank card with its interest free promotion to purchase {$3000.00} XXXX. XXXX signed up for the card without fully understanding what she signed up for and purchased the XXXX. With no income, she should not have been provided credit. XXXX believes the Doctor told her that she would have 3 years to repay. But, she is not sure and has no paperwork. 
Upon receipt of each monthly statement, XXXX diligently paid what she thought was the amount needed to pay off the balance during the promotional period. Since the bill each month only provided her with XXXX choices ... '' minimum payment only '' or " pay off in 3 years '', she assumed that by paying the " pay off in 3 years '' amount each month, she would pay off her balance interest free. Again, that is what she thought the doctor had told her. Unfortunately, the promotion was an 18 month promotion period, not 3 years, and the deferred interest was charged after 18 months of {$1100.00}. XXXX is XXXX XXXX XXXX and was confused by the monthly bill and did not understand the bill or " warning '' they sent to her in advance of the promotional period end date. 
XXXX deteriorated further in XXXX 2016 and was no longer able to handle her bills or estate. Her son and I was required to assume management of her affairs and pay her bills. XXXX is confused as she thought she was paying the bill correctly based upon the options on the statement and what the doctor told her. The bills are confusing as they do not provide a correct payment option to pay off the balance in advance of the 18 month promotional period expiration. Obviously, the XXXX options provided each month on the bill do not pay off the balance in time. Had the bill included a payment option that paid the charge off in 18 months, XXXX would have paid that amount each month. In addition, charging a XXXX XXXX XXXX XXXX victim who is in a XXXX home surviving on XXXX a 26.99 % interest rate to purchase XXXX XXXX that she could not afford is an just inappropriate use of credit. 
XXXX 's son has called Synchrony and explained the situation. They have been unsympathetic to date and unwilling to assist in this matter. Using this type of credit card with the elderly for health related issues and then charging them 27 % interest is predatory. XXXX has no income and should not have qualified for a credit card. 
XXXX is requesting that Synchrony waive the almost {$1200.00} of deferred promotional interest charges. The principal amount of {$3000.00} has been paid. The current remaining balance is interest only and Synchrony continues to charge 27 % of interest on top of interest. This is a predatory card which preys upon the elderly who do not understand what they have signed up for or agreed to and, in this case, do not have the income to even qualify for credit.
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

I made 3 trial modification payments to XXXX. I made a 4th payment XX/XX/2016. XXXX sold the loan to BSI. I was told that BSI would honor the terms of the modification. BSI stated that they were waiting to find out who was going to pay the taxes for the home, BSI or XXXX and then we would receive the permanent modification papers in the mail. On XX/XX/2016 the representative said I would hear back from him by the end of the week about the permanent modification being mailed out and the {$30000.00} which is in escrow. The escrow account is 3 times the amount that is needed for escrow. On XX/XX/2016 I called the company to speak with the representative and he is not available. It has been over 60 days since BSI received all the paperwork from XXXX. I still have not received the permanent modification from BSI.
Consumer complaint received 2015-10-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE (FL)

I have a XXXX XXXX CARD number XXXX recently this card have many problems, on XXXX XXXX they charged me XXXX $ + XXXX $ for a TOTAL of {$1000.00} for annual fees for XXXX XXXX CREDIT CARD, the last month BARCLAY decided to change without authorization the Card and my account to a XXXX CARD, I am not agree with this change and asked them to close my account an refund the annual fees. Now, they closed the account and told me that are " unable to refund the fees '', this is a fraud and its happening with many clients, please help. 
Thanks, XXXX XXXX
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MS SERVICES LLC (CO)

I called and they did not give me much information on the debt at all. after finally doing some research I called them back and decided to pay the debt in full. they would only do a transaction by me giving them my routing number and account number which they would make a check out in my name to pay off the debt. It if very dangerous to give out your routing number and account number. I paid them off in full and then they refused to give me any kind of transaction record or receipt. they claimed they will only send it out by mail only after everything has cleared which can take up to 30 days to receive a mailed receipt. they were very rude and unprofessional. I do not agree with the way they handle business and do not think they should be able to conduct business this way or business at all in the future. all I want is some proof of a transaction since I am giving them my account number and routing number.
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (AK)

I purchased a XXXX with a no interest promotion through Synchrony bank XXXX/XXXX/XXXX. My regular payment is {$160.00}. I made {$200.00} payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I was just told I can not pay ahead. I have to make a payment once a month before the XXXX of the month. I also can not set it up for autopay. 
They want me to physically go in and pay it because if I miss it, they go back and charge me interest on the ENTIRE AMOUNT from day XXXX! There is also no grace period days. 
Something is SERIOUSLY wrong with this company being able to get away with that. 

The entire time I 've been thinking I 'm a month ahead!
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NC)

I have a Walmart Credit Card through Synchrony Bank. My account became past due in XXXX 2016. I went online and chose their option of Pay your full account balance off in installments. I chose 5 monthly installments. All of my payments were paid on the date allowed during the payment arrangement. However, they have continued to charge late fees every month. At the end of the 5 months, I still have a balance on the account due to the late fees and the interest they have continued to charge me on those late fees. When I called them, they were only willing to waive one fee, stating that I knew when my due date was. 

I just do n't understand why they would accept a payment arrangement from me to pay it off and continue to charge me the late fees.
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

SYNCB/GAP ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/GAP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/GAP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2016-03-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

I was granted an extension on my loan. I was asked to pay two payments of {$380.00} and was told that would pay the loan until my XX/XX/XXXX due date. This was offered to me by a supervisor. Rver since I made that second payment I continue to get emails, texts and phone calls multiple times a day trying to get me to pay more. I have been told numerous times that the payment was done wrong and it would be fixed and that I would no longer get calls. However I still do. One lady told me well we did not honor the agreement and you did not honor your original loan so there is nothing you can do. That is unacceptable.
Consumer complaint received 2020-04-21
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (FL)

Property AddressXXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX I took a reverse Mortgage on my home on XX/XX/2014 with RMS. The Reverse Mortgage Company   without my knowledge put forced placed insurance on my property which they than demanded I pay in full or I would lose my home. I did pay them {$4800.00} towards the insurance. I had made a payment agreement with them. They have since sold my mortgage to Celink and are nearly impossible to reach. In addition Celink is not honoring the payment arrangement and I am concerned about being without a home to live in. Plesse advise me as to what I must do.
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC (MI)

After much time spent with this company on the phone and e mails, trying to force me to borrow more than I wanted too, we finally came to an agreement on a mortgage. At this time a closing was scheduled and kept on XXXX/XXXX/2017. 10 days after closing they called me and said they never received the mortgage papers and did not know where they were or what happened to them. At this time I did what I could to protect myself and stopped payment on the check I had gave to the person they hired to do the closing. Since this time they have continued to call me numerous times per day trying to force me to continue with the mortgage. This has been going on for over week now to the point of harassment. Now tonight XXXX/XXXX/2017 the escrow company called and informed me they went ahead and deposited the check any way knowing I did not want to do business with them or loan depot. This has got to be the most devious and unprofessional business practice ever perpetrated against someone. I hope this information is published so others will not have to go through the deception, harassment, and devious games this company plays.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (AZ)

I was recently contacted by Wells Fargo Bank with regards to an unpaid balance on a line of credit. The account had been closed for years. The last record I have of it was a series of 6 balloon payments in XXXX to satisfy the amount due before closing. Regular auto-payments were also established in XXXX. 

The premise of the conversation was that I owed roughly $ XXXX, but they would accept $ XXXX for a very limited time. Without access to the account, statements or records to justify their claim, I had to make a choice : 1 ) Make it go away for $ XXXX 2 ) Let them send me to collections I chose option # 1, not because I believed their claim, but because I believed they would send me to collections without any financial justification. 

Financial data security should be paramount, especially if you are a top 4 banking institution. The Wells Fargo rep, who was most likely decentralized and working from home, asked for payment. I was not given the option of a secure method of payment. No Wells Fargo payment portal with a verified amount due. So now my options were : 1 ) Give my payment details over the phone 2 ) Let them send me to collections I suggested a 3rd option, that I would pay at the branch. They reluctantly agreed. I went to my local branch the following week but they had no record of any such payoff amount, only that $ XXXX was due. I called Wells Fargo and they now said that the account had been charged off, sent to collections, and that $ XXXX was now due. How did that just happen? 

The whole process felt like a scam. Wells Fargo has given me nothing to justify any amount due and I was not in reality given the option for secure payment. Whatever offer it was, it expired a week earlier when they hung up the phone. 

I dont know how this is going to turn out for me, but I do know that no financial institution should be allowed to operate with such loose security standards. Their security should be audited and no one should be forced into a situation like this. 

Wells Fargo recorded our conversations. Everything said here can be verified.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY (FL)

I purchased my vehicle from XXXX XXXX XXXX XXXX and got the loan through Wells Fargo. They added double gap insurance on my vehicle and added other random charges to my loan. I have my own gap insurance and I have tried to get them to drop the gap insurance since I purchased the vehicle in 2020. Both Wells Fargo and XXXX of ft XXXX have not resoved the issue. I got behind on my payments because they are {$640.00} a month. They tried to charge the payment to my bank account three times in one day and then told me i can no longer make payments through my bank account. Then they locked me out of my account to make it harder for me to make payments. I have since threatened to file a complaint with CFPB they said they were restructuring my loan. I didn't hear anything back from them for 3 weeks so I Finally called then and they said they were trying to get a hold of me and sent emails but this is not true. All I want is to be reimbursed for all the years I was paying for the gap insurance.
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Cawley & Bergmann, LLP (CA)

My name is XXXX XXXX and I am filing a complaint on Cawley and Bergmann. I was shocked to find on my credit a debt of XXXX in XXXX or XXXX after running my annual credit report. I reached out to this vendor and they informed me that they were given my loan from XXXX XXXX. I did not understand what this debt was until further investigation which it belong to XXXX that had closed their loan offices in XXXX. When I spoke with them in XXXX, Cawley and Bergmann acted like they were a legal agency who was taking me to court so I out of fear begin payments of XXXX per month and eventually as they called once a year and informed me that I was n't making a dent in my account I increased to XXXX per month. Several times I was inquiring about how the debt went from XXXX to XXXX and they informed me it was because of interest. This year I did some research about understanding my rights and I was informed that a agency should not misrepresent themselves as attorneys and any threats made to the consumer are also illegal. Furthermore, when requesting to speak with the initial debtor I was told I could not and they were handling my account. When reviewing my initial documents and questioning the amount I owed I discovered that I only owed about XXXX. Because XXXX is no longer in business I was also made aware that they went bankrupt and that it may be possible that my debt is cancelled. I am wondering since I have paid Calwely and Bergmann almost XXXX am I still required to pay more than 50 % of my loan. I read that a consumer must only be made to occur only XXXX percent of additional fees.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (OH)

XXXX XXXX. Final payment was paid on XXXX XXXX, 2014. Equipment was returned and the collector said that the charges were for " services '' and that the account was n't actually closed until XXXX 2014. We moved in XX/XX/XXXX to a new address. We also have XXXX XXXX currently so I 'm confused how we got service here and yet some collector has this as a debt?
Consumer complaint received 2017-01-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (AR)

This bill was originally from XXXX Arkansas XXXX XXXX and was placed with EOS CCA while I was appealing this bill with my insurance. EOS CCA is charging interest on this balance. My insurance paid all but {$56.00} of this bill but EOS CCA is continuing to charge interest on this and has reported a balance on my credit report of {$94.00} as of XXXX/XXXX/16. I have disputed this on my credit but they verified to XXXX that this was the correct balance.
Consumer complaint received 2015-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

We purchased our home in 2007 and at that time P.M.I. was required. We were told 2 years of perfect payments and it would be removed and found out that was a lie. We have requested many times it be removed from our loan and they refused too. At their request, we had our home appraised by their appraiser and when it came back, we were at XXXX % L.T.V. and we are required to be at XXXX %. When we requested it be removed they told us it had to be at XXXX % so we offered to pay it down to the XXXX % L.T.V. to have it removed. They are now telling us it is based on the " original '' amount of what the home was worth when we refinanced a year ago! This is NOT what the law states! They are claiming the value of the home was {$230000.00} when THEY refinanced it for {$240000.00} so they are claiming to have advanced well over XXXX % L.T.V. at that time! We feel they are and have been taking advantage of us and need it to stop!
Consumer complaint received 2016-04-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

I paid of my mortgage to Ditech on XX/XX/2016. On XX/XX/2016 they debited my checking account for {$1500.00} for my regular payment. I called Ditech and demanded they return my money. After several calls they refused to return my money immediately and told me they would issue a refund in 30 days. If I had taken their money and held it hostage for 30 days I would be in jail. The took the money by ACH transfer because I had set up automatic payments but the account was paid in full by wire transfer and closed on XX/XX/2016. 
I want my money returned immediately. But if not and there are no consequences for Ditech, I want to know if I can do the same thing and that nothing will be considered illegal or theft. 
Thanks, XXXX XXXX
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I had several inquires reported on my credit report on XXXX/XXXX/16 from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX dealers and XXXX. I have contacted all of these companies via telephone and by letter. They all have informed me that they do not have any information to provide me regarding the inquiry. I have asked Equifax to provide me with information they have collected from these companies. Which I have not recieved. I have asked for removal.
Consumer complaint received 2017-03-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WV)

Ditech mortgage, how many complaints is it going to take to have cfpb do something about this company? 
This company holds a note on a property next door, abandoned, health and safety issue, drug den. I cant get insurance on my home due to this property, owners are gone for the last XXXX yrs. no payments were made for XXXX yrs. no forclosure. I offered to buy it to tear down, asked them to fix it or tear it down. called several times. told them I was recording the call they hung up immediately. { thought it was funny they always say we are recording this call for quality } lmaof. I feel companies like this should be held accountable for their and wonder what cfpb can do about these complaints. with the number of complaints, I would think something has been or is in the process of being done. 
Yes I am getting legal rep. at this point. I am also logging complaints with every agency and my local and state representatives.