BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am absolutely sure that the regulatory agent XXXX XXXX letter to the CFPB dated XX/XX/XXXX are 100 percent lies and mislead the CFPB to close 8 complaints and she must be held responsible and thereafter countless employees at Bank of America confirmed my claims as XXXX, XXXX, XXXX and an known XXXX fake claim an known fraud scheme by all involved employees. The claim was entered into the system and I were informed it was approved as XXXX then an supervisor XXXX told me one early friday morning around XXXX that someone came along and handwritten an XXXX dollar claim onto of your XXXX claim and there aint even an XXXX transaction on your account. 

Then here comes XXXX a loose cannon while I am in an totally different conversation I WILL STRAIGHTEN THIS OUT, I WILL FIX THIS BECAUSE THIS HAS THE XXXX TRANSACTION ON IT AND XXXX IN THE ACCOUNT IS YOUR MONEY. I WILL PUT ALL YOUR IDENTIFIERS HERE ON XXXX. ALSO MENTIONED WAS XXXX AND XXXX AND MY ACCOUNT IS XXXX. 

Then on XX/XX/XXXX XXXX I spoke to XXXX and he said your money were put into an XXXX XXXX XXXX of XXXX account instead of XXXXXXXX XXXX XXXX  XXXX there after 4 women told me that they had frozen the account and that they were trying to get the money back into my account 1. XXXX 2. XXXX i remember.

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 2018-05-22
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to the UNITED STATES SECURITIES AND EXCHANGE COMMISSION XXXX XXXX XXXX FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15 ( d ) of The Securities Exchange Act of 1934, Dated of Report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX were sold to XXXX XXXX XXXX on XX/XX/XXXX. See attached XXXX. 

Mortgage Assignment from XXXX XXXX XXXX XXXX   to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX dated XX/XX/XXXX is invalid based on at the least these findings. 
A - According to the SEC Form 424B5 - Prospectus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cut-off Date was XX/XX/XXXX with a Closing Date On or about XX/XX/XXXX. XXXX XXXX. 
B - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX were sold to XXXX XXXX XXXX on XX/XX/XXXX. See Attached. 
C - XXXX XXXX XXXX XXXX  XXXX is the Depositor. The assignment of the note and mortgage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rather than from the Depositor, violates the Pooling and Servicing Agreement which requires that the Depositor deliver to and deposit the original note, mortgage and assignments to the Trustee. Under XXXX XXXX Trust Law, every sale, conveyance or other act of the trust in contravention of the trust is void. XXXX XXXX. 
See Attached PSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT HAS BEEN AFFECTING MY CREDIT SCORE. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE ; I WOULD LIKE A RE-INVESTIGATION INTO THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
My wife and i went through a financial hardship due to her being XXXX  fall of XX/XX/XXXX. We went from two incomes to one. As a result we were a few days late on payments a total of 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Besides these times we were on time for the prior 10 months. This damaged our credit and will possibly impede on our chances and rates on getting a home. We reached out to the bank and they responded saying they do not have a forgiveness procedure.

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 2019-10-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been having issues with Carrington Mortgage Services since XXXX of XXXX. Carrington keeps sending me letters that I have missed payments. I have records of every payment I have made to them. I have NEVER missed a payment since day one. I will send you everything. Every time I receive letter, I send copy of payment to prove it was paid. I have talked with everyone in that company and get a different answer every time with nothing ever being resolved. On XX/XX/XXXX, I received a certified letter from Carrington that I have not paid since XX/XX/XXXX and they are going to foreclose on my house. I don't no what to do at this point. I am going to attorney tomorrow but she said I should also contact you. The amount they say I owe is XXXX, which also keeps changing. Have never been charged a late fee. This company will not deal with you and now threatening forclose for no reason. Carrington 's number is XXXX. Address I will mail all documentation since there is a lot. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Synchrony Bank, owner of XXXX XXXX XXXX, Master card, Accounts. On trying to get my cash Rebate for 2018, Purchases made, closes my Account, without my approval. I have been with XXXX XXXX XXXX for more than 20 Years, never late, never over drawn on my limit, I have been very upset on being treated in such an Insulting manner, never the less, now the XXXX Bank is saying since my account has been closed, my earned Rebate is vanished, no managers coming on phone to resolve the matterXXXX.Now the Bank is sending me letter mentioning that My Account was closed on my Request which is a Total LIE.

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 2020-07-02
Company: MONEY SOURCE, INC., THE
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received my mortgage statement today. It shows I did not make a payment last month. I called customer service and she said there is no record of a payment made. My bank cashed my check to the mortgage company on XX/XX/2020. They also have {$380.00} listed as unapplied funds, which should have been applied to extra principle and she refused to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: EQUIFAX, INC.
State: NV
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 sent Equifax 3 letters stating to validate and send proof of the following items : XXXX  account XXXX, XXXX XXXX account number XXXX, and XXXX XXXX XXXX account number XXXX. They have failed to due so. Each time the letters were sent certified and were received. Also they are reporting XXXX inquires that are not mine. ( my information was breached with their systems ) XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
on XX/XX/2019 I made a cash advance from a WELLS FARGO credit card to a WELLS FARGO checking account. I also have a large sum in my retirement accounts at WELLS FARGO. They charged me a fee of {$500.00} for this transaction that is in addition to the high interest rate they will charge monthly, and the interest charge I accept. l think this is such poor customer service and I feel practically like I have been scammed. I am sure there was some small print which I did not understand to be In Addition to the monthly interest charge. Also, in past months I felt I May be one of the names used for a fake account by them but strangely I could not access that information or add my name, for reasons I did not understand. I called customer service when I saw the charge of XXXX added to my balance and a supervisor ( XXXX ) says basically.. too bad, so sad, can not help you. No assistance was given. The main reason for my aggravation is that this transaction was all made within the same financial organization, Wells Fargo, I feel that this charge is excessive, that I was not properly informed, and an example of taking advantage of customers.

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 2018-03-09
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX was owed by myself for a XXXX XXXX XXXX and a XXXX XXXX XXXX   amounts shown on credit reports as {$13000.00} and {$22000.00} both sold to :1patenaude & felix a.p.c.add:XXXX XXXX  XXXX XXXX XXXX XXXX ca XXXX and 2 : XXXX XXXX XXXX add:XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX is currently showing on XXXX  and XXXX  I ask that they both be deleted a.s.a.p. please respond XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Presto Auto Loans, Inc.
State: AZ
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:
Presto tittle Loan I paid off the whole balance of my loan, the next time I went back try to get a new loan, they told me I need to ask credit bureau, some things they report on my credit, even thos I paid it off!

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 2019-10-01
Company: Select Financial Services, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We signed a modification in XXXX and in XXXX regarding XXXX XXXX XXXX XXXX, Washington D.C. and those delinquent payments were to be placed at the end of the loan and paid at maturity. But the servicer XXXX and XXXX XXXX has missed applied the payments by apply payments made pursuant to the modification to the delinquent payments which are higher than the monthly modification payments, At the time that the servicer XXXX computed the modification for XXXX they missed applied more than {$30000.00} to the delinquent payments that was to be placed at the back of the loan. 

Now XXXX  has applied current payments made pursuant to the XXXX Modification to payments that is not due until maturity. XXXX  has not given the borrowers a fair opportunity to make the payments pursuant to the XXXX modification or the XXXX modification because of their practices of entering into a contract and misapplying the mortgage amounts to the months which aren't due. 

It is clear that XXXX does not intend to respond to this agency regarding this matter. or to the owners complaints. XXXX will most like cut an past their answer. The XXXX Loan Modification was in writing and binding to all parties. I  agreed to the contract in writing to XXXX XXXX and XXXX XXXX confirmed my agreement via in writing. The borrowers did not received in other document in writing regarding the loan modification. The first payment was made on or about XX/XX/XXXX and a second payment pursuant to the Loan Modification was made in XX/XX/XXXX. The borrowers also made additional payments pursuant to the XXXX Loan Modification that totaled about {$36000.00}, in XXXX which was received by XXXX XXXX the servicer on XX/XX/XXXX. But XXXX  has not provided the borrowers with an explanation where or when that amount was applied to the mortgage. On or about XX/XX/XXXX the amount owed on the mortgage was XXXX which almost doubled with XXXX without any explanation as we requested. The last servicer amount due on the mortgage was pursuant to the XXXX Loan Modification and the XX/XX/XXXX lump sum payment the servicer transferred to XXXX. But in XXXX -- for some odd reason,

Company response to consumer: Untimely response
Consumer complaint received 2020-05-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a lady that I adopted a puppy from. She had a " pet delivery service '' which I believe she is working with because the emails they sent me were unprofessional and claimed to be " XXXX XXXX '' on one email and " XXXX XXXX '' on another plus they only took payments via XXXX, wire transfers, or XXXX. Many red flags, but I wanted the puppy so bad I proceeded as I believe my bank would protect me plus I was promised a full refund by the individuals. Nonetheless, I was told I had to pay {$600.00} for a special crate for the puppy to survive the flight, but that it would be refundable upon delivery. On the day of the delivery, I could no longer accept the puppy due to personal issues that arose and I paid the " delivery service '' another {$200.00} to transport the puppy back to the owner. The following day after ignoring my messages they finally reached out to say the puppy is " sick '' and that I needed to pay {$400.00} for her medical bills. I asked what vet they took the puppy to, what was the diagnosis, and what was the phone numeber of the vet office. They would not answer. I kept asking and they became annoyed and told me they were using " their '' vet, but refused to give me any information or contact for the " vet. '' I contacted the police after they began threatening to sue me for " pet abandonment '' and demanding I pay for the medical bills. The police informed me I've committed no crime, I am not legally responsible for the bills, and that I was being scammed. After that I reported these individuals to the FBI ICC and obtained an attorney. I then tried reaching out to Chase to have the quickpay transactions to the individual reversed, but they claim they could not. This is unbelievable. Why am I banking with them if they will not protect me from fraud and scams? I understand I made a mistake and did not practice the best judgement, but I am human. I shouldn't have to be out of {$800.00} because someone else has decided to scam me regardless of the red flags or anything. I should be protected by my bank. If XXXX doesn't give these banks jurisdiction over reversing XXXX ( that is what the representative told me ) then they need to find another company to work with. I am disgusted with Chase. It is not the first time they have refused to help me. And I am looking to bank elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: PNC Bank N.A.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PNC customers may be somewhat shocked at how difficult, time-consuming, and expensive it is to schedule a wire transfer. I have been on hold for two hours trying to schedule this wire transfer for a home closing that is now in 2.5 hours. I was initially on hold for 50 minutes and the call dropped after the hold music timed out, and now I have been on hold for about an hour after speaking with an initial representative ( useless step ), the escalation department ( who was also useless ), and finally onto the wire department. 

My home closing is now in jeopardy because it took me hours to schedule the wire. I eventually got through and was taken care of professionally, but it is clear that PNC is understaffed and needs to invest resources into this function, or is avoiding doing so to keep funds in PNC. Further, the wire fee was {$45.00}. Quick online research indicates that {$10.00} is the standard wire fee that most every bank charges. This is price gouging. 

I want the CFPB to look into the business infrastructure and whether PNC just needs to invest more in their customer-facing business lines or if they are purposely making wires difficult, and secondly investigate the price gouging. They might be the highest fee for wire transfers of any Top 20 financial institution, and these fees are certainly not  advertised or else I would have switched to a different bank in advance of my home closing. I was naive to expect my own bank would be a smooth process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Loan was transferred from XXXX XXXX to XXXX XXXX. Information was due to be provided so that an account online could be created - a " Heartland key '' so that payments could be made. Key was never provided. Updated information was never mailed. I was able to obtain a key from chat support. Payments fees are exorbitant - over 9 % with a debit card. Between $ XXXX {$1.00} to pay by check. I decided to do a full pay-off of the loan. Was unable to complete the payment online - received repeated errors that they could not process my payment and was provided a Customer Service phone number. Called in and was told to use a different browser ( error code does not indicate as such ) - tried XXXX, XXXX XXXX, XXXX, XXXX, and XXXX with cleared cache in each browser. Was told " in certain cities we only allow certain browsers. '' Asked to make a payment over the phone since an online payment was not possible - was told that I would be charged {$10.00}. Asked to speak with a supervisor to waive the {$10.00} fee. Was told none were available and someone would call me back ( meanwhile, the loan accrues interest daily ). Customer service agent was rude and eating during the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caller ID cash net phone # XXXX XXXX XXXX called on XX/XX/19 @ XXXX XXXX. I have never had a dealing with a company by this name. They have called in the past. I do not answer calls from people or businesses that I do not know or do business with. I receive many calls daily, most of which I do not answer because I do not know who is calling. The only possibility I can think of as to why this company called is that it relates to my son XXXX XXXX XXXX who has not lived at this address for 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/XXXX of XXXX I purchased 2 tickets from XXXX XXXX in the amount of {$2500.00}. The flight was from XXXX to XXXX with a layover in XXXX. 
These were for a funeral. The layover was supposed to be a couple of hours but ended up being 24hrs long causing us to miss connecting flights, reservations, and ultimately the funeral. 
For about a month I went back and forth with Turkish airlines because they made additional charges to my account without my authorization ( same credit card ). 
I finally filed a dispute with my bank on XX/XX/XXXX of XXXX. Today on XX/XX/XXXX they reversed the {$2500.00} credit on my credit card without any explanation. There was no letter in the mail nor was there a message on the banking app. 

I use Bank of America. I called the bank and they told me there is nothing they can do to assist me. They allowed charges to be made on my account that I didnt authorize and they refuse to reverse charges for a services that wasn't properly delivered to me and caused me to lose a lot more money.

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 2021-03-29
Company: Shellpoint Partners, LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed ( XX/XX/XXXX ) that my credit report is reflecting a new charge-off from Shellpoint. Upon review, I was able to confirm that the alleged debt is actually an illegal attempt to collect on a previously charged-off account from another lender. Ditech ( original creditor ) charged off the balance in XXXX. Shellpoint has never provided any documentation to support their claim or any notification that they are attempting to collect a debt or informed me that the debt can be disputed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation