BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-02
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage company did not disburse payment from my escrow account to pay my property insurance. The money was in the escrow account and the bill was due in XX/XX/XXXX. On XX/XX/XXXX I called LoanCare because I received a letter from them saying my property was not insured. I called them and asked, " How can I not have insurance when you're supposed to pay it from the escrow account? '' They said it was just that the mortgagee clause wasn't on the declarations. They put me on hold and called the insurance company. After a few minutes they came back on the line and said the problem was resolved. In XXXX I got another letter saying that my insurance cancelled on XXXX XXXX XXXX. This time I called the insurance company to see what was going on. They said LoanCare had not paid them since XXXX. I called LoanCare and they apologized for not paying the bill and issued a check to XXXX XXXX on XX/XX/XXXX. I called XXXX XXXX to confirm receipt of payment on XX/XX/XXXX and was told they mailed the check back to LoanCare on XX/XX/XXXX because the policy has to be re-written. When I tried to have the new policy re-written their underwriting department said they could not insure me at all due to the lapse in coverage. I made a report with with PA Insurance Commission and also had to obtain a policy from XXXX XXXX XXXX which is for people who are uninsurable through the marketplace. Meanwhile, the mortgage company has told me that I'm in violation of my agreement because my property didn't have insurance. However, they are the ones who did not pay it from my escrow account. I don't have access to that account. I had to do a report with LoanCare which is under investigation so that they can determine if I'm at fault. Additionally, the insurance that I purchased from the XXXX XXXXXXXX XXXX is under review with them as well. All of this, when I had the money sitting in my escrow account for them to pay my bill in XXXX when it was due, and in XXXX when they called about the XXXX clause, and in XXXX when the final notice was sent to them. It makes no sense.

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 2024-02-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a follow up to complaint ID XXXX submitted on XX/XX/XXXX. 
This is about the Synchrony Bank/ Care Credit account ending in XXXX. 

Synchrony Bank did not provide ANY of the OALD I requested in the complaint. 

Synchrony Bank provided me with a phony extension number I could supposedly call and ask for more information. It either rings and nobody answers, or it's busy all the time. 
This is obviously a line they provide to people they do not want to talk to. 

XXXX XXXX ( XXXX ) XXXX extension XXXX Synchrony Bank sold this account to XXXX XXXX in XXXX XXXXXX/XX/XXXX, so they claim that they do not have to provide me with any information, because I should talk to XXXX 

This account has been in litigation with XXXX XXXX since XX/XX/XXXXXXXX XXXX XXXX XXXX does not have any OALD.

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 2024-02-05
Company: Westlake Services, LLC
State: AR
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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715, 719, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.

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 2024-01-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit 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:
Synchrony Financial is not reading the information and reviewing the evidence that is being presented. Amazon clearly stated to me that the return had been recieved and I provided evidence of this through chat transcripts and emails from Amazon. Then Amazon submitted to Synchrony that the return had not been recieved which is false. Amazon has been inconsistent in their details and story. This is a {$1900.00} that I have had charged to my account and I do not have the item and Amazon admits this. Synchrony continues to commit what I would consider fraud and refuses to provide the proper resolution to this issue. Syncrony is using an outsourced call center which can not understand XXXX  or communicate properly. Numerous times I have had to explain the situation just to have to reexplain the situation to them. Simple things Synchrony customer support can not understand or respond to in an appropriate manner. This has created a hostile situation between myself and Synchrony financial. I just want my money back it has been since XX/XX/2023. Synchrony has failed in their responsibilities to the customer and the providing quality service to their US customer base.

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 2024-02-02
Company: Westlake Services, LLC
State: TX
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:
These creditors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-02-01
Company: SYNCHRONY FINANCIAL
State: TX
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:
This email is in regards to paypal case XXXX. 

I have Opened a case with pay pal and provided information below. 

The order was delivered to the wrong person, i have contacted the seller and they have contacted the XXXX and mentioned they have now opened a claim with XXXX and will get back to me as they hear back from them. I spoke to XXXX they have not yet opened any claim but i wanted to inform PayPal so we all can stay in the loop. 

it requested the signature and ID of the person to whom it got delivered It had been delivered to the wrong receiver and I just received an answer from the seller after so many days that XXXX has denied mentioning the order was delivered to the correct person. I was home the entire time and even upon tracking it mentions somebody else 's name as the receiver and completely some one else 's signature. I have asked Paypal if they need me can send them my lease where I live so they can see I am the person who lives here.

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: Radius Global Solutions LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX never verified the debt they had on my name and was it actually me. They never produced the requested info in a timely manner and the debt is considered to be void as they were in dishonor. 
XXXX XXXX shared private consumer info with a 3rd party debt collector without prior written or verbal consent per USC 15 sec 6802. That information includes false and misleading statements USC 15 sec 1692e.

They supplied Name, Address, account numbers and financial information all are {$1000.00} fines. 
Radius Global Solutions LLc has used all that information without confirming it and without my consent. They have no contract with XXXX XXXX giving them my consent and they have no consent from the consumer.

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 2023-12-31
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Documents uploaded on XX/XX/XXXX to show proof of income for plan Sent email on XX/XX/XXXX to inquire on status of loan due to no updates. Was supposed to be contacted within 15 business days XX/XX/XXXX message was finally responded to saying my documents are still being processed. 
It has been 3 months to process proof that was asked from me. Loan was in forbearance then active, accrued interest then set to forbearance again. This is fraud as I am providing documentation yet they are unable to process within the time frame that they are putting my loan in Forbearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I applied and received a financial mortgage assistance award from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on or about XX/XX/2023, in the amount of {$2300.00} to be disbursed to my mortgage servicer, LoanCare on or about XX/XX/2023. My monthly mortgage payments are {$1400.00}. The awarded grant funding covered the months of XXXX and XXXX. However, my mortgage servicer contacted me on XX/XX/2023 for a missing payment for the month of XXXX. The XXXX XXXX program disbursed the funds to LoanCare to cover the months of XXXX and partial funding for XXXX in the amount of {$890.00}. 

I contacted Loancare on XX/XX/2023 to make certain that the funds were disbursed to my loan appropriately. After speaking with LoanCares representative, XXXX, she indicated that part of the awarded grant assistance went towards corporate fees. I informed her that the awarded grant funds from the XXXX XXXX program was supposed to satisfy my monthly mortgage payments for the months of XXXX and XXXX. LoanCares representative placed me on hold to confirm with her supervisor about the funds being applied to corporate fees. After the representative returned to the call, she informed me that LoanCare could apply the extra funds to the month of XXXX, and that the corporate fees would have to be satisfied at the end of the loan term, which I was previously aware of. On XX/XX/2023 LoanCares representative took an over-the-phone payment from me in the amount of {$580.00} to complete the payment for XXXX. At that time, I was informed by LoanCares representative that I was due for XXXX payment. I indicated that I was experiencing financial hardship and requested a deferment, forbearance, or a modification, with lower monthly payments as a result. LoanCares representative informed me that I was not eligible for a forbearance, because I had already exhausted a forbearance a couple years ago. My question is, Is there a limit to receiving a forbearance during a hardship? I was informed to submit in an application, along with my monthly income statements and liabilities. I was also informed that my mortgage account would not incur any fees during the application review and processing. 

My complaint involves a letter from my mortgage servicer, dated XX/XX/2023 that indicates that I missed XXXX and XXXX payments, which is inaccurate. The letter states that I am in serious jeopardy of losing my home, and need to pay LoanCare {$5300.00} immediately by XX/XX/2023. This is totally inaccurate and not true. LoanCares unfair, deceptive and abusive practices ( UDAAP ) has contributed significantly to my financial injuries. I am in default of XXXX 's payment.

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 2024-02-05
Company: Diversified Adjustment Service, Inc.
State: MI
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:
I am not liable for this debt with XXXX. I do not have a contract with DIVERSIFIED ADJUSTMENT, they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to address an issue regarding my Bank of America credit card account, specifically its absence from my XXXX credit report. As a long-standing cardholder with an account dating back to XX/XX/, I have noticed that the information related to this credit card account is not reflected on my XXXX credit report. 

Credit Card Details : Company : Bank of America ; Account Number : XXXX Date Opened : XX/XX/XXXX  ; Credit Limit : {$50000.00}

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 2024-02-02
Company: Experian Information Solutions 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:
I was reviewing my credit report and I have been a victim of fraud. I need the mentioned hard inquiries removed from my credit report. 
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 They do not belong to me, I will never authorize them

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 2024-01-19
Company: Nations Info Corp
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received a credit card charge yesterday for {$1.00} for something I did not sign up for. Following the charge on XXXX, I was led to " Your Score and More ''. After 15 minutes, the service line ( that I had to dig for a long time to find, as the one on the website is clearly fake ) finally answered and it sounded like someone was loudly watching football. Preprepared script attempting to upsell and wouldn't take no for an answer until I said I was going to report them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: ZIONS BANCORPORATION
State: UT
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:
i was out of town and recently became aware of multiple unauthorized transfers from my zions bank personal and business accounts to found, XXXX {$3700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit 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 XXXX XXXX XXXX XXXX was reviewing my monthly bill from Home Depot and noticed transactions I did not make or authorized. I had a card in my possession. According to Home Depot investigation the orders were placed online and picked at the store. So far, Home Depot did not provide any information of what the location of the store or any receipts of these unauthorized purchases. At that time my balance on the card was close to max of {$5000.00} so this XXXX was put over my credit limit without any authorization also. Home Depot released goods without any ID verification as I never lost my California DL. I consider that Home Depot Citi/Card failed to protect my rights as a consumer since they are refusing to remove dept from my balance and increased credit debt over the allowed limit without any request. I did what I could to protect myself by filing the police report, fraud report with FTC, and requesting to conduct two separate investigations by Citi Bank. Last investigation was completed by Security Operations on XXXX with the same outcome. Right now, the interest and fees are piling up on my account. Please help to resolve the issue as it is hard to fight against such big company like Home Depot/Citi Card .

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 2024-01-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am now financing a second vehicle through Wells Fargo. For the entire life of my previous loan, I would have to call them every month to correct them as to how the payments should be applied. My payment was about {$270.00} per month and I would send in {$500.00} to pay down the principal and save me some interest over the life of the loan. Month after month, they were applying the additional funds to future payments. I know this because, XXXX. ) the statement for the following month would show I only owed about {$25.00} instead of the regular {$270.00}, and XXXX. ) they told me this is how they processed payments. 

I referred them to their own paperwork which says that payments are ( in so many words ) applied first to interest, then any fees, penalties or late charges and the remaining amount to principal. Even after reminding them of their own wording and my XXXX years in the mortgage lending industry, they continue telling me that " these are their rules ''. They try telling me that once the future payments add up to XXXX months of advance payments, THEN they will apply any overage to the principal. 

If they do this to every customer that pays extra in hopes that they are saving interest, they are likely costing the public millions of dollars a year in undue 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 2024-01-29
Company: U.S. BANCORP
State: NJ
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:
On XX/XX/XXXX, XXXX XXXX, and ally financial ran my credit without my knowledge and permission and add an hard inquiry to my account On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX ran my credit without my knowledge and permission and add a hard inquiry to my account I bought a XXXX car on XX/XX/XXXX. I authorized XXXX consumer to run my credit this day

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 2024-01-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit 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:
Home Depot notified me of a Fraud Charge in XX/XX/XXXX ; they assured me the issue was going to get fixed. XX/XX/XXXX, I received a bill and called Home Depot ; they notified me the fraud claim was denied. I re-opened the claim. XX/XX/XXXX, I receive another bill. I call once again, they say the claim has been denied once again. They are not able to tell me why this claim is being denied.

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