BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
I sold a house located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX The loan was paid off in XXXX. Last month, in XXXX, 5 months after the house was paid off and cleared escrow, I received a call from PHH Mortgage, claiming I requested a charge back of {$750.00} and it was sent to the requester, I believe, two days later. I informed them I do not request the charge back and verified it through three way call with my bank. I even went as far to have my bank verify that Ive had the same checking account for over 30 years, that I do not have any other accounts and that I have not received the charge back. They gave me the last for of the account # that it was paid to and it clearly was not mine and they couldnt provide proof of who requested the charge back. Even after providing proof, they wont stop calling me and sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid 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:
I contacted Barclays credit card company in XX/XX/XXXX to dispute a charge in the amount of {$1100.00} that I made to XXXX XXXX. I contacted Barclays because XXXX XXXX  was not responding to my repeated emails to cancel a trip to XXXX that I booked XX/XX/XXXX. I wrote a letter to Barclays explaining that I wanted to dispute the charge because the merchant wasn't responding to me. Barclays acknowledged my letter on XX/XX/XXXX advising they would investigate and the investigation could take 45 days. On XX/XX/XXXX, I received a letter from Barclays stating they needed more information and could not reach me so my case had been closed. They had my cell phone number and I never received a phone call from them. The letter also stated I could reopen the case which I did. I called to find out what additional information they needed. I was told they needed proof that I tried to contact the merchant. I mailed copies of the emails I sent to XXXX XXXX  on XX/XX/XXXX and verified with their rep, Froi that the documentation was received on XX/XX/XXXX. I called Barclays again on XX/XX/XXXX and spoke to XXXX who told me they were still working on the dispute. On XX/XX/XXXX, I received a letter from Barclays stating they could not help me because " we are outside the permitted timeframes to continue this claim through the dispute process ''. The problem with that statement is, " we were outside the timeframes '' on XX/XX/XXXX when Barclays first acknowledged they were working on the dispute. If I had been told that in the beginning, I would have gone back to the merchant and tried again even though I have no confidence that would have changed anything. After XX/XX/XXXX, the opportunity for me to get any kind of refund from XXXX XXXX  had passed. Barclays ' advice in the letter on XX/XX/XXXX was to contact the merchant because they could not assist me any further. Second problem : I advised Barclays in the beginning that I was disputing the charge because I had been unsuccessful at working with the merchant. I'm filing this complaint because two of my friends booked the same trip at the same time and were given credits through their credit card issuers, XXXX XXXX  and XXXX XXXX. I want other consumers to know there are a lot of card companies out there and they should not use Barclays. I have been a customer since XX/XX/XXXX and I expected more.

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 2023-10-26
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

Company response to consumer: In progress
Consumer complaint received 2023-10-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I currently have a PayPal rewards Mastercard issued through Synchrony Bank and have over XXXX redeemable cash points but both companies/business 's will not find a solution on how to distribute to me. I've been going back and forth for over a month getting bounced around to different representatives with the same result and both companies take no responsibility and blame the other company. I've attempted to speak with supervisors and they've opened tickets to resolve but the ticket gets closed with no resolution. The points are set to expire XX/XX/2023 and I don't want to lose the cash value due to the large amount of points.

Company response to consumer: In progress
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: CA
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 submitting this complaint to you regarding account number XXXX  from XXXX XXXX I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail.

I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.

Company response to consumer: In progress
Consumer complaint received 2023-10-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I hope this letter reaches you in good health and spirit. The reason for my letter is because of my safe deposit box that I had since XXXX. I been having trouble paying on my mobile app and accessing the box it self. Its hard for me to come in the banking branch and pay because Im XXXX. I also didnt work the whole month of XX/XX/XXXX because of my XXXX were worst at the time my doctor took me out of work. I did go in the branch on XXXX and I was given a hard time with no help at all after I explained not having access to my safe deposit box because of the bank and how I didnt work XX/XX/XXXX because of my XXXX. Can you please help me with waiving the {$65.00} safety deposit box fee? Thank you very much for your time and understanding. Please give me a call.

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 2023-08-10
Company: EQUIFAX, INC.
State: NC
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:
My mother opened a XXXX Credit card account. She wanted to purchase my son a PC and she was unsure if they had the XXXX she wanted at the store where she lives, so she added me as an authorized user so if I needed to buy the PC from the store where I live. She asked me to help her manage the emails and bills so I told her she could use my email and address and I would be sure to help her by letting her know when her payments were due etc... .Next thing you know she is having some financial difficulty and it's my credit report showing past due. I have never gave anything like income a social sec number nothing. I tried to dispute through Equifax Twice and they keep saying I own the account and NO I do not. I just want this off my credit. She had 3 other cards from 3 other retailers and no issue at all because I have nothing to do with the payments or lack thereof, I was just helping her get something for her grandson and now I get to see my credit score drop drop in this economy it's awful. If they pull their contract they should see, she applied and provided her information alone. I wish I could get credit cards without providing my income employment social sec number etc, that would be lovely. This should be so simple and I guess they think because she is having issues paying her bills, they will ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: LA
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:
Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, had violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My financial advisor left Merrill Lynch in XX/XX/XXXX. Since that time no service has been rendered. Despite this, ML has continued to charge a 1 % management fee on the two accounts I hold there. I requested a refund of the charges ; and XXXX XXXX, the VP in charge of the region, agreed to reimbursement, provided I sign a general release and move my accounts to another financial institution. In and of itself, the release seemed unwarranted. She then began demands for a W-9, thus making the reimbursement taxable. This a refund of my own money. It is not any form of compensation, thus my reluctance to agree. 

On XX/XX/XXXX, Ms. XXXX sent notification that ML 's offer had been rescinded because I had failed to act sooner. I was completing a rigorous Master 's program, about which Ms. XXXX was aware, and did not have the bandwidth to deal with her high pressure tactics. After several subsequent emails she gave me until today to settle the matter ; however, she is unwilling to forego the W-9. 

This whole situation has been stressful and time consuming. ML should have reimbursed me as agreed. Their failure to do so has resulted in a significant amount of lost time which equates with opportunity cost.

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 2023-10-27
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I was charged {$2500.00} and {$4500.00} from a merchant called XXXX  XXXX XXXX. I had my physical card so it had to have been charged through manual entry. I did not see the charges until the following day and immediately called American Express at XXXX on XX/XX/XXXXXXXX  to figure out the best course of action. I understood it to be filing a dispute on the charges so that is the action I took. I also attempted to contact the merchant, but there is no contact information on their website and the contact information I was able to access through the AMEX app was directly to North Carolina XXXX XXXX XXXX, and not the merchant. I live far from North Carolina. I asked the customer representatives of AMEX if I needed to provide anything and they told me there was nothing I needed to do besides to wait to hear from them. After filing the dispute, I was given a credit for the amount and American Express closed the dispute. On XX/XX/XXXX, American Express reopened the dispute and charged me for both transactions. I did not see this until the night of XX/XX/XXXX when I received a message that I spent over my {$8000.00} credit limit, something I never get close to. I called American Express at XXXX on XX/XX/XXXX and spoke to a representative. At this point, they informed me that the merchant provided documents showing that I purchased the product and used it, and that I need to reopen the dispute and provide documentation. At this time, I felt misguided because I could have provided documentation from the beginning, but was told there was nothing I needed to do other than filing the dispute. I then looked deeper into everything and found documents. I made a purchase from XXXX  XXXX XXXX  back in XX/XX/XXXXXXXX  which I assume is how they were able to access all of my information and use it to make it look like I made another purchase. I provided all documentation showing this and that I had no access to the alleged products the merchant claimed I used. One of the documents included one of the merchants products being nothing other than posts about XXXX XXXX and links to scams. After this, American Express is still siding with the merchant and claiming I am responsible for the charges. I escalated the issue to the fraud department on XX/XX/XXXX which seems to be what I should have done from the start. That is still in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I CALLED WAKEFIELD AND ASSOCIATES AND TOLD THEM THAT MY MEDICAL INSURANCE PAID ALL OF MY BILLS THEY SAID THAT I STILL HAD TO PAY THIER FEES AND I TOLD THEM I CALLED THE HOSPITAL AND ASKED THEM ABOUT THIS BILL THEY TOLD ME THAT IDONT OWE ANYTHING EVERYTHING WAS PAID IN FULL EVEN THE DOCTORS FEE I HAVE XXXX AND XXXX I AM ON XX/XX/XXXXI HAVE HEALTH INSURANCE THEY HAVE CALLED AND TALKED SO HATEFUL TO ME VERY RUDE PEOPLE I DONOT OWE ANYTHING EVERYTHING WAS PAIDED IN FULL ... ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: NJ
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:
I looked over my credit report and saw some inaccurate information. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX mandate that the three credit bureaus confirm these details ( XXXX  ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Lennar Financial Services, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023 a request was placed with Lennar Mortgage to pull my file from them to place with another mortgage company. On XX/XX/2023 a call was placed to me from Lennar mortgage asking for additional details on my employment background and they requested a letter from employer. Because I was switching to a new lender I did not provide. They did not send case to new lender so I made request in writing on XX/XX/2023 via email. They ignored request for file transfer. Due to being a FHA loan this is a required step in the process. Instead of transferring file they waited 3 days and rejected file affecting my ability to obtain a mortgage for 6 months. When my current home is a week from closing. So with kids and no home. They made a decision with incomplete information and did not count half my income. They did not complete a through review of income and did not have complete information to make a reject noting my credit file. Their reject was spiteful and un professional.

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 2023-04-13
Company: EMPIRE MEDIATION SERVICES LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX of Empire Mediation - They contacted my family via text and voicemail right after leaving a voicemail on my phone

Company response to consumer: Untimely response
Consumer complaint received 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have a closed capital one venture account, but recently Ive been receiving about another capital one credit account thats been opened up and is maxed out, thanks to XXXX XXXX 

So I gave capital one a call about the fraudulent account but apparently they only have records of my closed capital venture account. So I literally cant even get them to deal with this fraud account, even though its tied to my SSN. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Chime Financial Inc
State: VA
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:
In XX/XX/2023, a merchant by the name of XXXX got into my account and took {$150.00} out. This person is a scammer. I reported it to my bank which is Chime who started an investigation into this. The bank gave me back my XXXX XXXXXXXX. On XX/XX/2023, chime took back {$150.00}. Which is more than the merchant got. I called and asked for another investigation and it was denied because they agreed with the merchant. I explained that I did not know who XXXX was and the support stated that was all that was on them. Chime took more money than the XXXX took out of my account and refused to refund me money. This XXXX is a scammer and I would like someone to stop them. I also filed a complaint with the XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: FL
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:
I am formally requesting this letter to update the listed account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: MO
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Early Warning Services, LLC
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 AT XXXX. I was trying to fix my XXXX XXXX XXXX and used XXXX to look for Contact Number of XXXX found the number and called them. They assisted me and after assisting me they told me that my account is not yet completely fixed so I need to purchase a Gift card thru XXXX. They told me they will just cancel the order after the call. After Purchasing 5 gift card they told me that the problem is not being fixed and I should transfer money thru my bank account using Zelle  to a person Name XXXX XXXX with an email XXXX. I told them NO this is a Fraud. They told me they will just return my money. So I transferred XXXX dollars and they told me its not enough. I have to send more money and threaten me that they have access to my bank account and they can transfer more money because they know my Username and Password. So I transferred another XXXX dollars because they are threatening me that they will took all my money in my bank account. And told me its not enough so I transferred again XXXX dollars. I was already anxious at that time and they are still asking me for more money. I disconnected the call and reported it to XXXX and XXXX XXXX XXXX at same Date. XXXX refunded my Gift card after several days but advancial refused to return a total of XXXX dollars that was sent thre XXXX XXXX thru Zelle. The Bank said I should have reported it to the FBI.

Company response to consumer: Closed with explanation