BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Problems with this company started once loan mortgage was transferred to Select Portfolio. I was paying but loan amount never showed decreased. Contacted by XXXX  who said they saw payments were being made but amount of loan remained the same. I did have issue with a missed payment in XX/XX/XXXX, but would pay extra money each month to get caught up. They didnt break up the payments. I have always paid couple of XXXX XXXX  extra each month which should have gone into escrow but I guess they applied to mortgage. Now they say I am missing a payment in which after I had notified them that this account was closed they kept auto billing this bank. I had new bank forward those payments to them. On one occasion they their continuous auto pay to prior bank they paid amount of that billing. 

I have bank records showing payments. 

I can not talk to them because I get very frustrated because each customer service person gives me a different reason and dates/year. 

When loan was transferred from previous mortgagor I had gotten a modification. Since then my mortgage has doubled that. 

I have copies of mortgage payments made by bank from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RECEIVED PHONE CALL FROM COMPANY, REQUESTED A TRUE BILL BUT REPRESENATIVES HUNG UP.

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 2024-01-26
Company: CORELOGIC INC
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 

I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security. 

Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance.

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 2024-01-26
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
I sent a insurance check in for endorsement on XX/XX/XXXX iao XXXX with a next day XXXX  shipping label. The insurance portal states this should have been a sign and go transaction, however it's now eod on XX/XX/XXXX and I still can not get a definitive status on returning check. I was told several versions that the supervisor had escalated and was resolving issue and the XXXX was improperly tagged to a old XXXX claim. My roof remains open taking on additional weather damages and contractors have been pushed back continously due to Shellpoint Mtg Servicing Loss Draft Department delays. 
Loan ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased a XXXX XXXX  and accessories from XXXX. The accessories were received, but the XXXX XXXX  was never received. I followed up with customer service at XXXX who claimed to make a request to the warehouse. The response after several days was " Sorry for the delivery delay of your order, we will check this issue with our relevant colleague and get back to you as soon as possible. '' On XX/XX/XXXX I reached out to PayPal Credit ( Synchrony Bank ) to dispute the charge for the XXXX XXXX of {$130.00}. I followed their procedures to file a complaint. Upon receiving my documentation, the charge was initially removed upon further investigation. 

On XX/XX/XXXX I received a message from PayPay Credit stating, " We located the sales receipt ( s ) in question and/or received additional documentation from the merchant indicating the charge ( s ) in question is valid. After reviewing the documentation, the sales transaction ( s ) appear to be authorized by and/or received by you or an authorized user of the account and we have removed the temporary credit. Please refer to your next billing statement for your balance and payment due date. '' I never disputed that the charges were unauthorized, my complaint was that the item was never delivered. 

On XX/XX/XXXX I followed up with PayPal Credit stating that I never disputed the legitimacy of the charges and again stated that the XXXX XXXX was never delivered. On XX/XX/XXXX they responded with the following : " We have completed our review of your dispute claim on your PayPal Credit account. 
We have received documentation from the merchant regarding the disputed transaction ( s ). The documentation is enclosed for your review. Based on this information, credit will not be issued at this time for the following reason ( s ) : Our records indicate that the service or merchandise was received by you and delivery was confirmed. '' While the accessories were delivered, the XXXX XXXX was never delivered and even in their evidence of delivery, the tracking status is " IN_TRANSIT ''. If you use the tracking number to check with XXXX it indicates a similar status- upon further review it appears that the item never even got to XXXX. 

Compared to other credit card companies, I've never experienced such a convoluted and arcane process for resolving a dispute. XXXX XXXX, XXXX and XXXX have resolved similar situations in minutes with a simple phone call. I seems like an enormous waste of time for the company and the customer for a relatively small charge.

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 2023-12-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had to relocate quickly due to a XXXX  XXXX situation. I had 6 months no interest on all purchases and it until this happened I had never paid interest on any charges. It was not until I was having to pay for things I usually did not to keep from being XXXX  with XXXX that I did start having things getting interest charges and getting behind. It took me a bit to get somewhere safe and get settled in before I was able to start dealing with things but I am including the emails where I reached out to the executive email for PayPal when I was unable to reach anyone outside of my work hours or that could assist. He refused to provide a direct number when I asked as I can not take calls while I am at work and kept wanting a time when he could call me. I have been trying to deal with investigators, the DA and many other issues and had to put it aside but when I called because my access to my statements has been blocked they refused to allow me access until I made the minimum payment. Some of these charges will need to be disputed as they are coerced charges as per the DA 's office and my Victim 's Advocate but I am being denied the necessary information so that we can try to address this and get my account back in good standing. They can see that for about 1.5 years prior I was not late with payments, always paid more than the minimum and never had interest charged on my purchases because I paid them off within the the 6 months no interest period. But I am not getting anywhere and not able to reach anyone that can do anything and now I can't even access my statements so I can dispute the coerced charges. I am including the police reports, bond conditions and screen shots of emails from the PayPal executive. Also the latest case I have not gotten a police report for. It is for texted death threats but the case number is XXXX and is with the same office the rest of them are with.

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 2024-01-20
Company: CORELOGIC INC
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

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 2024-01-02
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I'm a 100 % combat-related, service-connected XXXX XXXX  that has owned and resided in my home since XXXX. 

XXXX  XXXX has a full exemption from property taxes for XXXX with 70 % or more XXXX. My yearly tax bill is about {$10000.00} had I not been exempt I have received exemptions for all years XXXX ( Taxes are billed in arrears ). Penfed Credit union took over the loan in XXXX and honored the exemption till this year. 

Since I have to re-apply for the exemption on a yearly basis, there was an issue with processing it in XXXX. Till XXXX, Penfed has charged me only principal and interest as they should have, however, in XXXX they claim to have paid over {$40000.00} in back taxes to XXXX XXXX XXXX XXXX XXXX making an advance to my escrow balance and charged me the full amount. They have failed to provide any evidence of that payment except from the escorw statement and XXXX XXXX has acknowledged receipt of only ~ {$7000.00} of the {$40000.00} paid. Another ~ {$13000.00} that was paid has returned back to Penfed based on the statements, however, the remaining {$20000.00} has been unaccounted for - neither XXXX XXXX has received it nor Penfed has been able to produce evidence that they've paid in my name. 

I have obtained letters from the XXXX XXXX assessor 's office that I have been fully exempt for all years and have provided those letters to Penfed. The letters and tax bills provided by the assessor 's office claim that my tax bill has been 0 for each year all along. 

I have provided all the evidence to Penfed requesting proof of payment ( cancelled checks, paystups etc ), however, they have been unable to produce that. 

To date, I've paid {$26000.00} towards escrow for insurance and taxes in XXXX - even though I shouldn't have paid anything since I've provided evidence of 3rd party insurance paid in full as well as evidence of tax exemption. 

Penfed has been aggressively trying to collect the balance and has severely damaged my credit score - which has substantial negative implications on my business since I'm in real estate acquisitions and my credit score is extremely important to me. It has gone down from XXXX to XXXX within 3 months. 

They are trying to collect their remaining balance of advance escrow payment ( last bill they sent me was for 18K ). While I've sent multiple communications to them, and spoken to their supervisor, who has acknowledged that there must have been a mistake after reviewing evidence from the assessor 's office - however, this ordeal remains unresolved, with my credit score plummeting as they have been conducting their " research '' to resolve the matter for the past 4 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 2024-01-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a severe brutal case of identity theft. I lost all email access to my email accounts. Being. Locked out repeatedly 30 days at a time. I would have never stopped working on my right to privacy and fair business practices and my rights to equal opportunity. Which have all been violated. I have no correspondence from Wells Fargo that I have two accounts that are open for criminal activity. Had I not initiated the investigation to correct my information by visiting a Wells Fargo branch in XXXX Georgia. On XXXX XXXX I visited a Wells Fargo branch in person to find out there are accounts with my daughter social security number and my name and birthdate and address. All the while I was never made aware that there were any suspicious activity going on for years. All while denial of applications and deceptively adding on unauthorized fraud XXXX product, XXXX XXXX  to cause me to end up loosing my vehicle and everything I worked hard for to end up with nothing. Its XX/XX/XXXX XXXX I wonder why and how long I can be judged based on identity fraud impersonation to go unquestioned?!?!? The case investigation is attached. Also, its really disturbing to be denied my rights to privacy and no platform to protect the customers. I dont know if I can trust that Wells Fargo will do the right thing! Im XXXX XXXX  and I dont want to bring XXXX into this but I cant be dishonest about my rights are being violated because of my XXXX  There is no other explanation for this behavior and its being ignored.

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 2024-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
I had a USAA XXXX XXXX secured card with a credit limit of {$3800.00} credit limit. I owed XXXX on the card when I closed the account but USAA will not send me the remaining balance left over from the secured credit card and now states that I owe even more. They can not show me any charges that I have made since I closed the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: Orion Capital Solutions LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from XXXX twice on XX/XX/year>. Once at XXXX and again at XXXX. The first call I received, I answered and the rep stated his supervisor wanted to speak with me. He stated he was from Orion Capital and that's all he said. Once the female supervisor got on the line, she asked me to verify the last four digits of my social in order for her to explain why she was calling me. I told her it is not safe for me to give my personal info over the phone. Finally after 4 minutes of her going round and round about she has to verify info before explaining why she was calling, I told her I was at work and I can't go in circles while at work. She finally said this was ridiculous and hung up. 
At XXXX, I received a call from XXXX at my place of employment from the same supervisor. 
It is against the law for these types of tactics.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint serves as my final warning before I take drastic legal action against your bureau and all parties involved. Your continuous refusal to acknowledge my legitimate claims is not only negligent but also a blatant violation of my rights under the law. Let me be unequivocal : if you persist in denying my rightful dispute, I will not hesitate to pursue legal action against your bureau and any other entities involved in this gross negligence. I am prepared to take this matter to court and seek significant damages for the distress and harm caused by your willful noncompliance. Here are the accounts I needed to be removed : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX  XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2024-01-23
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I sent via electronic transfer {$100000.00} to US Bank, XXXX : XXXX on XX/XX/XXXX. US Bank created the XXXX # XXXX on XX/XX/XXXX that would come due on XX/XX/XXXX. On XX/XX/XXXX I contacted US Bank with instructions to redeem the CD plus interest earned. Since I had opened the account with electronic transfer, I requested my funds due to me via the same method. US Bank advised me that they would only send a Bank Check via the postal mail to my home. I checked several times with US Bank as to the whereabouts of the check and they noted that they mailed in on XX/XX/XXXX, some 8 days later! The check finally arrived on XX/XX/XXXX with no additional interest.

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 2023-11-15
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since XXXX, XXXX to today XXXX XX/XX/XXXX, I have not been able to access my savings account with Synchrony Bank XXXX I went through several bankers and tried everything suggested. I can access the website even though when I try to access my account, I receive " This site can not be reached and might be temporarily down or may have moved permanently to a new web address ''.

I have lodged a complaint with the Connecticut Attorney General today.

It is very important that I be able to access my savings. Can you 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 2024-01-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Issuer is Synchrony Financial. 

My account was charged an outrageous late fee for a payment that was one day late. I paid for the purchases in full on XX/XX/2023 and closed the account over their automated system since it is near impossible to get a live agent. They continue to add late fees on top of their late fees. Issuer is Synchrony Financial. Balance is XXXX now for the late fees and interest on late fees.

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 2024-02-06
Company: I.C. System, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX

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 2024-01-24
Company: Westlake Services, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Manager stated he wasnt aware of credit being pulled and told me he couldnt do anything about it XXXX XXXX XXXX : XX/XX/XXXX Spoke with XXXX a representative who referred me the credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

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