BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: Empowerment Ventures, LLC
State: OH
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I received a notification through email XXXX XXXX, 2016, stating XXXX charges had been applied to my account {$23.00} at XXXX in XXXX Oh and {$51.00} at XXXX ' in Delaware as I 'm at home with my card in hand. I immediately contacted the merchants to advise them of the charges while I 'm sitting at home with my card, I was advised to contact my financial institution to dispute the unauthorized transactions. After speaking with the merchants I immediately contacted my financial institution Rushcard to advise them of the charges and were not made by myself, that I have never been to XXXX anywhere let alone in XXXX when I reside in XXXX nor have been to XXXX Oh, I requested to cancel my card and issue another and requested a refund. I was advised that they would conduct an investigation and would be about 90 days before I would receive and answer. In the meantime, I was no longer receiving emails nor text alerts until I made a complaint with the XXXX I then began to receive emails and text alerts again. On today XXXX XXXX, 2016, I received a final determination letter from Rushcard stating no error had occurred and they will not refund the unauthorized charges and that I could request a COPY OF THE DOCUMENTS THAT THEY USED IN THEIR INVESTIGATION TO MAKE THEIR DETERMINATION. I contacted Rushcard immediately to request the documents, I was advised by a representative that there was no such document, I read the letter to the representative and asked to speak with a Supervisor or Manger of the dispute department, I was placed on hold, someone picked up then hung up. I called back and spoke with another representative named XXXX, I explained the nature of my call and again requested to speak with a Supervisor or manger, instead of getting Supervisor/manger the representative said she had someone from the help desk with her and will request the document they used to make their decision sent to my email in an hour. I 've received nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-27
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA Mortgage loan with Flagstar Bank. FlagstarcBank Mortgage Loan Representatives refuse to provide me with a list of options in writing specifically identifying ways I can make up payments remaining after exiting forebearance other than making a lump sum payment. I have spent countless hours trying to obtain this information and requested a written list of options be mailed to my home address.

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 2015-06-08
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX XXXX, 2015 I tried to initiate a payoff of my Auto Loan on US Bank website. I entered the amount in the box on the bottom that said " other amount ''. I entered the entire payoff of my vehicle along with my banking information and clicked " submit ''. I was met with a screen that said " unable to process your request online, Please call ''. I called the XXXX number to speak with a representative. They advised me that such a large payment ( approx. {$25000.00} ) could not be paid online and that I would have to mail them a check. She provided me with the address and I sent them a check. Well Monday XXXX XXXX, 2015 comes around and I check my banking statement. Low and behold that payment that I attempted to make online XXXX/XXXX/2015 was processed and taken from my bank account. US Bank online banking webpage never gave me a confirmation number or indication that a payment was accepted. That fact that the only thing the US Bank website told me was " unable to process your request online, please call '' tells me that the payment was not made. US Bank website does not offer a way to view pending payments made online, no email notifications are sent, and their is no way to cancel a payment you have made online even before it is processed. Since I sent a check through my XXXX XXXX account online bill pay that was delivered XXXX XXXX, 2015 my account was overdrawn due to the lack of information on US Bank website advising me a payment was processed when the fact is that its website clearly told me it was unable to process my payment. I have encountered fees for payments that could not clear due to the incompetent website US Bank provides its customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I over paid my credit card by at least {$3300.00}. I've asked for a refund check over a month ago around XX/XX/XXXX and still have not received the check. They said 7-15 business days, it's been way over that time period, I feel the credit card company, Paypal Mastercard by Synchrony Bank, is holding my overpayment as long as possible, making it extremely inconvenient for me to pay my bills. I need this money and they have not paid me back, really messed up when they can hurt my credit score for not paying on time while these crooks have not paid me back in the time they said they would.

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 2015-04-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had our home loan servicing transferred from XXXX XXXX Mortgage to PennyMac effective XXXX XXXX, 2015. 
We paid our mortgage of {$2600.00} to PennyMac and they acknowledge it. When I go to their " new '' website, the only have applied the Principle and Interest totalling {$1700.00}. The balance of {$890.00} which should be applied to escrow is missing. When I contact PennyMac I get to a call center in Texas who tells me it is there, although on their website it shows zero. When I ask for documentation they say they do not have E-Mail ( Really, in 2015??? ) and can only send a snail mail letter. My complaint is that there is no one and no way to contact anyone at PennyMac to discuss this. I tried to reach their office in XXXX Ca and I am transferred back to the Texas Call Center.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: U.S. BANCORP
State: CT
Product: Credit card
Issue: Rewards

Complaint:
I received a XXXX XXXX American Express credit card invitation in the mail. I applied on line and fulfilled the purchase requirement for an additional {$300.00} bonus. The paperwork stated to wait 6 to 8 weeks after the {$2000.00} purchase threshold was met to receive the bonus. When I did not I called customer service. I was told I was not eligible with an explanation that made no sense. Please help. Thanks

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 2015-08-11
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to refiance my home loan, I have gone to the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and both of them say they can not give me a better rate on my home loan because US Bank is reporting 99 months of payments on my home loan as follows:XX/XX/2015 - open XX/XX/XXXX Mos. reveiwed XXXX, 30 days past due 13 times ( no date ) 60 days past due 2 times ( no date ), 90+ days past due 6 times, payments {$1100.00} for 600 months ( no date ), US Bank said it is not reporting anything past due as far as there records show everything is current. and that they do not report from the day we received the loan XX/XX/XXXX. I need to have this information removed from my report it is the only thing I am told that would take my credit rating down to XXXX and my husbands down to XXXX, one of the reason stated is time since delinquesncy is too recent or unknown. The reporting is on page XXXX of XXXX in the attached document.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26
Company: EQUIFAX, INC.
State: NY
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:
The credit bureaus are in serious viloations of the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: DISCOVER BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I transferred XXXX to my XXXX via discover bank. The funds have gone missing as the recipient bank has not received the funds. My bank is not taking action to give me my funds back. They keep repeating that it was sent and not their fault. It has been a month and I have a significant amount of money missing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20
Company: National Principal Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They call my phone number and play games on the line, use offensive language towards me and call me names when I tell them to stop calling me and then they h/up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Gentlemen. 

Bank of America approved the borrower for a hamp modification back in XXXX 2014. Three times the borrower had to sign a modification document because Bank of America stated there was something wrong with the notarization. It appears to me that the first modification was signed and notarized correctly. Borrower got XXXX more modification documents to sign. XXXX in XX/XX/XXXX and XXXX more in XX/XX/XXXX. The XXXX in XX/XX/XXXX was executed in XX/XX/XXXX by Bank of America. 

Bank of America is now sending back Borrower checks. Bank of America needs to honor the hamp modification. Borrower has all funds needed to reinstate at modified payment. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26
Company: NCC Business Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received an inaccurate invoice which contradicts information I was given by a leasing agent at XXXX XXXX. 

On the morning of XXXX XXXX, XXXX, I telephoned XXXX XXXX ' leasing office and spoke with a gentleman regarding their move out procedure. I specifically asked him if XXXX XXXX replaces the carpet in a unit after a tenant moves out. I explained that I had XXXX small stains in the living room and had planned on paying a professional carpet cleaning company to remove the stains, prior to moving out, however I wanted to check first to see whether or not the carpet will be replaced. 

I was advised by their employee, to try my best to clean the stain, but if it was not possible, not to worry about it, as XXXX XXXX often replaces the carpet in a unit prior to a new tenant 's move in. 

On the afternoon of XXXX XXXX, XXXX I received a certified letter from XXXX XXXX with a final invoice for {$750.00}. I contacted the manager immediately to explain the situation, however she dismissed my case without investigating the matter. I had explained that I tried to do everything in good faith -- acknowledged the small carpet stains well in advance, repainted the living room walls, cleaned all rooms, tubs, kitchen appliances, etc. 

Had I been told the carpet was not going to be replaced, I would have proceeded with my pending order and had the stains removed from the carpet company. I was informed by the manager that the carpet is only replaced 5 years and that the stains would not have been able to be fixed. Due to the fact I have had several issues with XXXX XXXX in the past, I made sure to take photographs of my unit on the date I moved out. The XXXX small stains are in the photo. 

I 'm requesting that you please investigate this matter and make appropriate corrections to my account as soon as possible as I should not be penalized for being misinformed about XXXX XXXX ' protocol. 

Thank you in advance for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have spoke with convergent outsourcing in reference to a XXXX that is on my Credit Report. I have never had a XXXX account the amount is {$560.00}

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 2015-10-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Carrington Mortgage Services denied a loan modification request on XXXX/XXXX/15. We have since submitted an appeal along with supporting documents to substantiate additional income by requesting a review of the file XXXX loan # XXXX XXXX. After many phone calls they finally admitted they were in receipt of the documents as of XXXX/XXXX/15. We were told that the review will take up to 30 days. XXXX/XXXX/15 came and went, no word from Carrington Mortgage Services. Many calls later, we are hearing conflicting statements from their representatives. Promises of phone calls for an explanation for the outcome of their review produced only nothing. I, XXXX XXXX residing at XXXX XXXX XXXX, XXXX XXXX, MA XXXX, am appealing to the Consumer financial protection bureau to look into this matter. It seems that Carrington Mortgage Services is acting in reckless, deceitfull and unprofessional way XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Om XX/XX/20 I bought a washer and dryer off XXXX. Contacted the store VIA messages and asked condition -- they stated good and working also comes with a two month warranty. when they arrived they were broken and the company has refused to come get them and return my funds or fix them. Ifield a dispute with my bank and was told I lost the claim, I summitted screenshots and calls ... they company scammed us. Lied to us and my bank did nothing to help .... I sent all proof within 1 day of the dispute. PLS HELP ME CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
Rash Curtis is harassing me everyday with calls from several different phone numbers ( XXXX ). I filed for bankruptcy and had a hearing to discharge my debts -- medical bills and credit cards -- on XXXX XXXX and my lawyer said I should expect to get my discharge by XXXX 2016. 

All of my creditors should know by now that I filed for bankruptcy but Rash Curtis is continuing to harass 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 2016-04-15
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I AM XXXXYRS OLD LIVING ON SS AND GOV SUBSIDIZE HOUSING I MADE A AGREMENT WITH THE XXXX XXXX XXXX XXXX XXXX TO PAY THEM XXXX DOLLARS A MONTH BY THE XXXX OF THE MONTH UNTIL MY DEBT OF APPROX XXXX DOLLARS WAS PAID. IT IS NOW ABOUT XXXX DOL. I HAVE NEVER BEEN LATE PAYING THESE PEPEOLE, THEY ARE NOW SAYING I WAS LATE XX/XX/XXXX WHICH I WAS NOT THE CK WAS SENT ON XXXX XXXX XXXX EVEN THOUGH THEY DIDNT CASH IT TILL THE XXXX. THECO NATIOAL BUINSESS XXXX INC XXXX XXXX XXXX XXXX XXXX. NV XXXX THEY HAVE SENT ME SEVERAL THREATING LETTERS. THEY HAVE UP TO THE PRESENT HAVE CASH EVERY CK INCLUDING THIS MONTHS CHECK. I AM ASKING FOR RELIEF FROM THIS HARRASMENT. I AM PAYNG AS AGREED!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My mortgage company send employees to my front door to deliver past due notices and notices to contact servicer. I already speak to them via telephone and respond via mail from servicer. I 've never heard of mortgage companies being allowed to come to your front door almost weekly to hand deliver notes to call servicer or past due notices. Especially when I am currently going through modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have submitted disputes through XXXX they have not sent me a contract showing they lent me something or provided service to me and I agreed to do business with them, that it needs to be deleted. I have told them that any contract with you has to be between the accuser and you with both of your signatures. I have no knowledge of this company, have never contracted with them, they are strangers to any transaction with you and are not qualified to claim you owe them something under the Doctrine of Subrogation. 
I have disputed this with XXXX and the other bureaus and the other XXXX have deleted it. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them. The company is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax I answered one or more question wrong no report Some questions I did not know the answers..So no report I called later they asked for 3 types of idenity .Must be lost in mail still no report .why are they keeping my files that's the instructions to do by mail with my id 's and SS number and a billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a line of credit with BBVA Compass for Overdraft Protection. Although this is an open/active credit account, BBVA does not report it to my credit report. I have raised this issue with them, and they tell me that I need to contact the credit bureau. I contacted the bureau, however it is only possible to file disputes for existing information inside of the credit report already. I can not locate an option to 'add ' a tradeline to my credit report- really it is the financial institution that needs to do this. Additionally, I have to say the service at BBVA is not well. Their is frequently a language barrier, the bankers do not know the products or services. Additionally, they do not give consumers all of the available options to avoid fees- that is to say they retain control in order that they can charge fees. Ex : If I forsee needing my OD line, I can not advance it ahead of time. The bank advances it for me, and then charges me {$12.00}. As such, I never use the line because they do n't see fit for me to control my own money. It seems to me they have this practice to charge more fees to consumers. I guess the 22 % APR is n't enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
BBVA Compass will not give us our own money. We have over {$66000.00} on a gift card that we can not get them to release. We have called them, gone into their branches and reached out to them online. They keep giving us things to do, but now we are months into the process and we can not get our own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan has been sold to Loan Care XX/XX/2016, I have called, emailed many times to make sure they have my tax info, I finally received a email stating they do n't pay the taxes on the house ( not sure why that have a escrow with XXXX $ and my loan docs have the escrow )? I called was on the phone for an hour, the man said he will expedite my tax records to the escrow dept. That was 4 days ago, and still no confirmation they have them and are going to handle this. I have never dealt with such a nightmare of a company. I need to make sure they have my taxes that I have sent multiple times and rest assure this will be paid in a timely manner. I really an terrified that they have me by the throat, they have my home.. If I would have know n this is what the future holds, I would have never refinanced.. I would have stayed with 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