BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
ON XXXX I saw a charge off on my credit report from company Caine & Weiner i called spoke with a collector who I explained i never received any notices validation letters anything that was sent out prior to just putting a charge off on my credit she said they emailed me a settlement letter for XXXX something trying to get me to settle told her i never received that and told her I am willing to settle at {$1200.00} she said she cant do it ask for her supervisor which was the worst person I ever spoke with she was rude a bully very defensive she scream yelled at me refuse to let me talk she told me her company does not offer settlements told her that info is false her collector just told me a settlement was offered and emailed to me she became extremely upset scream called me unkindly things and refuse to talk and she hung up on me this is how progressive allow their customers to be treated being abused by a collections agency this is not right and consumers like me we need protection UPDATED NEW NUMBER XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I RECEIVED COPY OF MY CREDIT REPORT AND I SAW ACCOUNTS WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE COMPANIES, SO I HAVE NO IDEA WHERE THESE ACCOUNTS FROM, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-18
Company: Selene Finance LP
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX XXXX XXXX XXXX transferred my mortgage to Selene Finance in the middle of a loan modification that I had been trying to get since XXXX. Well I was denied that modification and forced into bankruptcy. My bankruptcy closed in XXXX so I again requested a loan modification, I was denied modifications twice in XXXX, then twice in XXXX. Finally in XX/XX/XXXX XXXX  XXXX XXXX said I was approved for the HAMP modification, problem was the new payment amount was over {$100.00} more per month than the original payment, the principal did not go down it went up and I was never ask to fill out a new modification application after the original modification was denied so my income was not even the same 3 years later. Then I made my first two modification payments to XXXX XXXX XXXX and they transfer my loan to Selene Finance, and I sent them my 3rd trial payment ... .after that fought them over a year for the modification. They say they could not get the paperwork needed from XXXX XXXX XXXX, however they end up sending me the modification paperwork in XXXX and once again does not have me fill out a new application so this is like five years after the original application was submitted, the payment was still over {$100.00} more than the original and the principal was now {$30000.00} more than the origiinal loan amout was, but I was desparate to keep my home so I signed them. Then in XX/XX/XXXX I lost my job when the company I worked for decided to give all 300 employees a 30 min notice to get out of building because they filed Chapter XXXX and in XX/XX/XXXX I had a XXXX so I have fallen behind in my payments. Two days ago I received a notice that my home is being forclosed on and the forclisure sell ia set for XX/XX/XXXX ... .I was notified 18 days before they sale my home of 30 years.They say they dont have to gi thru the courts, I never received a copy of my deed after they took over my loan ... .but seriously 18 day notice in the middle of the winter??? And where was the home affordable modification I applied for ... .everything went up not down and I fought for this since XXXX. The whole thing is just nonsense since my income went down twice since XXXX qnd no one even gets any updated information since XXXX when processing the modification ... ..just why did the government give them all the bail out money ... .I don't get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
first of all, I was never informed from XXXX subserviced by LoanCare that they have a data breech where they shut down their phones and online accounts. so, when trying to make a payment for my mortgage on XX/XX/23 I could not. I called customer service and got nothing. Called again XX/XX/23 for a rep to answer the phone and was not helpful all she told me was I don't have any information. when I asked her about late fees, she said she didn't know. Finally got an email from LoanCare saying that their back online so I tried making a payment online inputted my checking account number and hit submit for it to say unable to process payment so I hit exit and called and made a payment over the phone got my conformation number. an hour later I get an email saying thank you for your payment of {$2000.00} which I was like good it went through but only to get a second email saying thank you for your payment {$2000.00} now I'm freaking out because if they try to take-out two-house payment my account will be overdrawn. my first payment will go through but no the second one and I hate for that to happen because I'm NEVER overdrawn or late for a payment. So, I called My bank which the funds come out of XXXX XXXX they said they don't see anything yet but takes about 24-48 hours to process they said to contact LoanCare let them know of the situation they should be able to reverse or stop payment. She said if I don't hear from them to call back XXXX XXXX, they will try to submit a disclaimer. I called LoanCare today XX/XX/23 at XXXX was on hold for XXXX min for the rep to tell me that she'd need to transfer me to a supervisor so in that process she hung up on me this is VERY frustrating!!!!!! I've been trying to call and get a live person but all I get is, if you're calling during normal business hours sorry for the inconvenience if you're calling after business hours, please call back tomorrow during normal business hours and hangs up not option for waiting just hangs up. I'm stuck I don't know what else to do this is just not right how they can run a worldwide business like this and get away with this?? Please just some call me back I need answers.

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 2018-11-18
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo still has not explained how the mortgage on my house has not changed in the past 13 years since we have been paying on it. They are a cheat company who misrepresents themselves and do nothing but cheat and lie to customers. I want an explanation as to why our morrgage has not changed in 13 years ... ..it should be less than what they say it is and they are basically having us pay 5 times the actual house cost with their lies and so called loan modifications. Our original loan for the home was not through them since I never trusted this company and I would like my mortgage sold to another company.

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 2023-11-28
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a car from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX formally located at XXXX XXXX XXXX, XXXX XXXX XXXX is no longer in business as of XX/XX/2023. 
I reported with west lake financial they said they will try to get the title it has been 8 months to almos 9 months and they dont give me no answer the car have expired tags I cant drive it like that, I went to the XXXX and they said that is like the car doesnt exist, I call west lake they dont give an answer and they even hang up on me I paid {$870.00} every month plus {$200.00} for insurance for the car to be just park, I cant even refinance the loan with another bank because there is no title, I dont know what to do because west lake just said that I have to make the payments and I return it it will ruin my credit. Please help me, I even taking XXXX XXXX XXXX XXXX because I feel like there is no help in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Chase checking and savings account online on XX/XX/XXXX, and transferred {$15000.00} from my XXXX  XXXX XXXX checking account to the newly opened Chase savings account. Several days later I found that I could not login the Chase online account. I called Chase customer service and was told that my checking and savings account were closed, although no reason was disclosed. I also visited the branch as instructed in the phone call but no more useful info. 
I filed a XXXX XXXX XXXX XXXX complaint on XX/XX/XXXX. On XX/XX/XXXX, I received a voice mail from a Chase representative explaining the refund was not issued because they held the fund for verification. Theres also instructions in the voice mail to speed up their verification, i.e. visiting a local branch, showing two different identification document, and login my XXXX  XXXX XXXX account to show the banker that there are sufficient balance in it. Although I visited a local branch before regarding the issue, I followed the instructions and visited the branch on XX/XX/XXXX again. The local banker did verification and put note in the system that all requested verification had been done. However, theres still no response at this moment when Chase would send me my refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
to whom this may concern, on the date of XX/XX/ i opened a new credit card with Syncrony ( Syncrony car car ) they are to report to all CRA 's on on the date of XXXX each month, However did not report this information of the status of my account on for month XX/XX/. 

I contacted the office on XX/XX/ the rep stated she would have this resolved however reported the account of the status on what it was on that date of XX/XX/ at XXXX balance. 

After noticing what happened on the decreased points on my credit file i contacted the reps at Syncrony bank back and advised the following the account was opened on XX/XX/, the reporting of XXXX XXXX never reflecting the balance at the time of {$5.00}. The amount of was paid in between the time i called on XX/XX/. I have advised several time they need to report the corrected amount for the month of XXXX however they are refusing to do so. 

This is violation of the fair credit act, due to this error my credit has taken a down fall of XXXX points. I have spoke with several reps and nothing has been done about this. 

due the recent hit on my credit i also was denied a new credit card with syncrony in hopes to do XXXX shopping with Ashley furniture, I have no idea until the sales rep pointed out why. 

the expectation is that my credit needs to be corrected with the correct information showing activity on XXXX and also 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 2023-11-27
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEB-GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
An Hard Inquiry was reported by my XXXX XXXX XXXXhat NORDSTROMTDBANKUSA accessed my credit information from XXXX on XX/XX/ without my authorisation. 

Location of the NORDSTROMTDBANKUSA is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had any thing to do with the above agency and and this is defiantly a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have been trying to get Online to see if my payment has been processed and the web site is gone- it will not come up. I made a payment on line back on XX/XX/XXXX which is my XXXX payment late - but themoney is still in my bank account has not been withdrawn and there is no web site and no one will answer the phone. I do not want a 30 day late on my credit and that will be XX/XX/XXXX. XXXX XXXX and the website is MYLOANCARE.com

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 2023-11-27
Company: SYNCHRONY FINANCIAL
State: PA
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:
I have been dealing with this dispute for nearly a year. I would appreciate your assistance, XXXX XXXX with XXXX XXXX XXXX was started on XX/XX/23 cancelled the following day on XX/XX/23, as per attachment. 

*Returned XXXX Cell phones- XXXX XXXX XXXX XXXX XXXX-Deep Purple ( Order XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Order XXXX ) Return confirmed by XXXX XXXX XXXX  via email XX/XX/23, as per attachment. 

*Account was credited {$60.00} and {$72.00} on XX/XX/23. These are the taxes that I was charged as per attached email. 

*Restocking fee charged on XX/XX/23, per attachment. 

XXXX XXXX XXXX posted {$970.00} and {$680.00} totaling {$1600.00} on XX/XX/23. 

*The plan was cancelled, and phones were returned within allowed time as per XXXX XXXX XXXX  contract, but they are not crediting my 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 monetary relief
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business in Crypto trading since XXXX. My paypal account : XXXX has incoming payments from my customer that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For validation, I attached my Valid ID

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: BB&T CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/17 BB & T bank did two hard hits on my credit via XXXX. I have been complaining to BB & T bank since I received a report of the double hit. Finally after many inquiries to BB & T they sent me a letter admitting that they accidentally hit my credit twice for the same thing. They said that they are human and theyre not perfect. They also said that they asked XXXX to remove one of the hits and that XXXX   complied by removing one of the double hits. 
I have a credit monitoring service which shows that both hits still show on my credit. 
I took that to BB & T bank to show them and two days later I received a call from them saying that corporate said that the problem had been fixed. 
I logged into Trusted ID and I still see both hard hits from BB & T bank. 
I cant get anywhere with this bank so I am asking for help proving that they did a double hit which caused my score to go down 78 points, give it take 2 points. I have done all that I can do to try to fix the problem that BB & T bank caused. And I have not got anywhere with them. 
I strongly feel that BB & T is purposefully lying to me regarding this matter, and I will not allow them to damage my hard earned credit score and get away with it. 
So Im writing you to ask for help to get that extra hit removed from my credit. 

Thank you Mr. 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 2023-12-11
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I purchased a total of 4 items on XX/XX/2022, from XXXX. The items were delivered on XX/XX/2022. Upon opening the box, I noticed something strange from the start. I noticed the seal of various boxes to be tampered with. The seal being broken was the first red flag. The second red flag was the condition in which the boxes were in. The boxes were clearly mishandled because they were damaged. This is the reason why I am requesting a full refund of {$1300.00}. 
Processors The two processors I purchased were the XXXX XXXX and the XXXX XXXX. The XXXX turned out to be a XXXX XXXX XXXX and this was one of the items with a broken seal. The XXXX XXXX was correct, but the pins were bent and it was also one of the items with a broken seal. Upon realizing what was wrong, I immediately went to XXXX in XXXX, CA to try and fix the problem. When I got to the store, the manager in charge refused to replace the items stating, Its my word versus your word. I went home and tried to talk to customer service over the phone but they kept insisting I visit a different store and try my luck there. 
Motherboards I purchased two motherboards in this same purchase. I purchased an XXXX XXXX XXXX and a XXXX XXXX XXXX. The XXXX XXXX motherboard was misboxed and I received a random blue motherboard made by XXXX. This was not at all what I ordered. The XXXX XXXX tomahawk was the only correct item. It worked as intended, but after dealing with all these other defective products, I just wanted my money back and did not want to deal with XXXX anymore. 
Second Attempt I made a second attempt to return the products. On XX/XX/2022, I visited the XXXX location in XXXX, California. I explained my situation, and the employees seemed to understand where I was coming from, but unfortunately, they did not go through with the return. Instead, they gave me a customer support number to call and try to get the return approved that way. I was unsuccessful in having them provide me with the means to return the merchandise in the same condition I received it. 
Final Thoughts My experience with purchasing items from XXXX was a complete disaster. Not only were the items delivered in a mishandled condition with broken seals and damaged boxes, but the items themselves were defective and incorrect. Despite my attempts to rectify the situation by visiting XXXX different XXXX locations and contacting customer support, I was met with resistance and unhelpful responses. I am left with no choice but to request a full refund of {$1300.00} for the XXXX items I purchased. This experience has left me extremely dissatisfied with XXXX and I do not recommend anyone to purchase items from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation