BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: INVESTORS BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with {$250.00} promotion bonus last year. In case, I confirmed the promotion details with customer service on XX/XX/20 and received response " The account is eligible for the {$250.00} reward and the conditions you confirmed are correct ''. So I just completed the monthly requirements but never received the bonus. Then I was told " The first month from you opening the account allows you to establish one of the conditions. So as long as you have the conditions on your account you will see the reward starting in XXXX '' from them. Surprisingly I didn't received the monthly reward In XXXX and received the response " We do apologize for the delay in following up on this situation. In completing further research, the account is not eligible for the reward due to the opening date. The account was opened on XX/XX/XXXX and we did not begin the promotion until XX/XX/XXXX. I could provide the screenshots to confirm I did see the promotion in XXXX last year but it never mentioned the period ( please see the link also https : //www.investorseaccess.com/Checking? utm_source=InvestorsBank & utm_medium=email & utm_campaign=eAccess % 20Checking % 20Launch # FAQs ). I confirmed twice with the promotion but they said I was not eligible for this bonus after completeing the requirements? It was actually a fraud and wasted my time and money during such a hard time. 

The promotion details : Bonus is up to {$250.00}, {$25.00} per month for 10 months. To be eligible to receive monthly bonus you must maintain a monthly average balance of {$1000.00} or more AND satisfy one ( 1 ) of the following transaction activity requirements : you have an ACH deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, you have Mobile Check Deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was erroneous offered a HAMP Modification. The lender accepted my payments and then contacted me and advised me of their error. They told me XXXX other loans were also given these modifications in error and they were working to resolve the error and find alternative modifications. They then sent me another trial modification which I completed XX/XX/2015. At that time they contacted me and let me know there was a problem with my title that was preventing the final permanent modification. They then let me know that was resolved and I would be receiving final documents any day. They kept requesting additional payments, which I always sent. My final communication with the lender was on XXXX/XXXX/15 in which they told me permanent documents would be arriving by the end of the month. I received a letter dated XXXX/XXXX/15 which informed me that they were transferring my loan effective XXXX/XXXX/15. They have taken at least 6 payments from me promising that each payment was leading to a permanent modification which appears to be a lie. They should not be allowed to transfer my loan prior to correcting their many errors and providing my permanent modification as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen lied!, I sent you how the mess up you are, They have a report on them thru Forida, a payoff toXXXX XXXX.If thats is what they due, well think about, does it go higher to the requators, that report to the attorney general.Ocwen has XXXX XXXX of assets out thier, no wonder all the lawsiuitsare letting them off the of, imagine all of this and thier senior loans can perhaps bring us to a nother ression, Dear XXXX, i hope they have not gotten to the regulators which l eads to the attorney general, I left out a lot of complaints on them.i love my country, please if you can pass this to the powers to be, but be really careful for they have intwinded us to a ression, I learned something today, they hold You!!!!!! by the strings/To you Ocwen, i made a mistake, i will now take names and IDs and notes on you.by the way my first complaint on you was to show how messed up you are!!!!!!!!!!!!!!!!!!!!!!! Now go live with yourself/ToAll Employess, would you finance with Ocwen??????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2016 I made a monthly loan payment using phone system per Ocwen phone menu prompts On XXXX/XXXX/2016 I received an email that payment has been received But on XXXX/XXXX/2016 I received a letter saying that the payment was reversed due to no account found and ocwen added about {$160.00} as late and return payment charge. I have been using same account to pay ocwen. Had I not received a confirmation that your payment has been received from ocwen on XXXX/XXXX/2016 I would have contacted ocwen and made a payment. Providing inaccurate information via email and then assessing and demanding late payment is not a fair business practice. 

I made a payment already on XXXX/XXXX/2016 in the amount of XXXX instead of XXXX ( XXXX dollars more ) please credit this extra amount and please work on improving you system so that customers do n't get charged late payment and compromise their credit history too. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This letter to Attorney General XXXX describes the nightmare Ocwen has made of the entire year of 2016. They are endangering the life of my XXXX son : Dear Attorney General XXXX XXXX, Department of Justice , XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXXXXXXXXXX, is trying to help my XXXX son XXXX with a XXXX problem but OCWEN keeps making my credit score go up and down like a yo-yo preventing me from getting a loan. XXXX could get a XXXX and XXXX XXXX if we keep putting it off because OCWEN keeps changing my score from " very good '' to " poor '' by their constantly taking my loan on and off of my reports. XXXX already has a XXXX XXXX. All this delay could cost him his life. 

I pay all my bills on time. I have never been late on any bills since I became a single mom. 

I have a blog which shows OCWEN has been doing this to us all of 2016 : XXXX My OCWEN loan is being reported as closed, AGAIN. This is not true. My credit score fell from very good to poor the day Ocwen started changing what they report to the bureaus. This denies me the ability to get a loan to fix my XXXX son 's XXXX XXXX. XXXX has a XXXX XXXX. He could get a XXXX and XXXX XXXX if OCWEN ruins my credit all 2016 in spite of my perfect payment history. They are preventing me from conducting business as usual. They have crippled me financially all of 2016 when they first began attacking my loan in good standing. 
Please make them stop destroying my good credit. OCWEN claims they HAVE to ruin my credit anytime I contact the Dept of Justice or CFPB. They expect customers to be afraid to ask you for help for fear of having their credit score drop drastically if they do. That is wrong. Please help me so I can get a loan for XXXX ' XXXX XXXX with XXXX XXXX before something terrible happens to XXXX. Thank you. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: TRANSWORLD SYSTEMS INC
State: OH
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:
The debt collector is attempting to collect a debt for an item that was disputed and resolved in my favor with my credit card company. The dispute was for services not rendered from XXXX. XX/XX/2016, I purchased a lawn service package from XXXX to plant grass seed & aerate my lawn because it had a lot of bare patches. I tried to order the seeding & aeration services by themselves, but the associate would only sell them as a bundle along with a monthly weed control service. The associate told me that the seeding & aeration would be scheduled that week in XX/XX/XXXX & that I would receive weed control & fertilization in subsequent months to maintain my new lawn. As of XXXX 2016, the seeding & aeration service was never performed. I called numerous times to inquire about the seeding & aeration, but the company continued to reschedule the service. They showed up instead to spray weed control product & fertilizer on a damaged/bare lawn. On their visits, they were only on my property for 1-2 minutes. That was not the agreement that I entered into. I tried to call & stop the other services until the seeding was completed, but the company would not stop them. Finally on XX/XX/2016 I began a dispute with my credit card company because XXXX had not been responsive or helpful. The amount was disputed and resolved in my favor. A few weeks later, I began receiving debt collection notices from Transworld Systems , Inc. for the amount of the services XXXX had delivered that were not in accordance with our agreement. These services held no value because they were delivered without the primary service. This was already disputed through my credit card company and resolved ; however, I continue to receive debt collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Early Warning Services, LLC
State: MA
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:
XX/XX/23 a company named Zelle hacked my account and took {$3000.00}. I contacted Zelle who said they wouldn't help. I contacted my bank and it was reported as fraud. 
XXXX XXXX  will not reimburse even though it's fraud because they lose money. This was not a scam. My bank can see the withdrawals. I want everyone know about fraud reporting and how it does not help to get what back what was taken from you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Block, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My name is XXXX XXXX My problem is with the cash app. My cash tag is. XXXX XXXX  Cash app let XXXX fictitious companies take money out of my account when I spoke with them about it they said I had to get the money back so I worked on it to get the money back. I got some of it but then I cash app close my account. There is still bitcoins and stocks in that account which they will not allow me to get out. They said they could long no longer help me.and that it is closed I have screenshots of all the companies even the conversations that I had with cash app they refused to help me. They made me do it on my own and then when I did they close my account so I could not receive money. and now I have another account and theyre doing the same thing and allowing people to take money and not help me that is one scandalous system. this is my email address and phone number XXXX ( XXXX ) I would be grateful if you could help me with this issue Thank you oh a list of an authorized payouts XXXX XXXX. XXXX. XXXX. XXXX this did it 2 times on my account. XXXX 2 times as well if not XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX 2 times as well XXXX XXXX if you look you will see that cash app let these so called companies take money out of my account 2-3 times when I asked them to put a stop to it they did nothing!!!! And then I worked hard to get my money back but before I could get anything back cash app closed my account Thank you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
account was paid off on XXXX/XXXX/15. Confirmation # XXXX. Need to delete this from my all XXXX of the credit reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax reporting inquirys i did not consent on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Direct Account Management
State: CA
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:
Company Direct Account Management claimed to be a student loan forgiveness program who was working on helping me with my student loan. They said they would be working on my behalf to get my total loan amount down. They withdrew {$430.00} from my bank account on 3 separate occasions, in XXXX, XXXX and then lastly in XXXX of 2020. I received a letter from my student loan provider and noticed no payments or progress had been made on my account. Said company Direct Account Management took money from me and did not provide any service to me nor have they done anything with my student loan to help me, but instead just took my money and have disappeared. They have not returned any of my calls and their main contact number is no longer in service.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: CA
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:
Experian refused to remove hard inquiries for mortgage loan within 45 days.

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 2016-12-14
Company: CITIBANK, N.A.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
citi bank did n't response to my argue sent on XXXX regarding to Case number : 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 2015-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a check from my insurance company for roof replacement made payable to myself, a XXXX veteran, and my spouse. It was also made out to the previous mortgage holder, XXXX XXXX I endorsed the check and gave it to the roofer. He in turn, took it to the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The bank cashed the check without the endorsement of the mortgage holder. I also called XXXX XXXX Bank, the bank the insurance check was drawn on because Bank of America told me ( after multiple calls to them ) that it was a XXXX XXXX problem not theirs. However, XXXX XXXX did not cash the improperly endorsed check, Bank of America did, I believe that the Bank of America did not follow their own guidelines when they cashed this improperly endorsed check. Please advise and I have provided a copy of the check in question. The other signature besides those of my husband and mine, is that of the roofer, XXXX XXXX. I have also filed a police report as XXXX XXXX never did the roofing work so I am out XXXX the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
I was alerted that XXXX hackers had infiltrated my IPS on my computer and had charged a total of {$20000.00} to three different XXXX XXXX sites. I was instructed to work with a representative from Discover card to delete these charges. I was told that the charges had been made as a customer designated purchase and I would have to use gift cards to override the purchases and reclaim my money. [ I have said XXXX  enough times that you don't have to. ] The Discover contact used the phone number of XXXX XXXX XXXX. I gave him the gift card info from XXXX 's, XXXX 's XXXX, XXXX XXXX, and XXXX. I did not give credit card numbers. I have called all of the credit cards to ask for help but they said that this does not count as fraud. To my deep shame and great regret, he XXXX  me for {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE BEEN a victim of identity theft and a card was falsely taken out in my name

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 2015-07-20
Company: AR Audit Services, Inc
State: ND
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I got served papers through certified mail. Im not sure how everything works so i was waiting for my day in court to explain my situation to the judge. then i received this judgement in the mail only 30 days after i learned that i had been turned into collections. I was paying the agreed upon amount monthly to the clinic and they decided to turn me in anyway. Please help with this issue. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/21, XXXX checks totaling {$1600.00} ( that were made payable to XXXX separate insurance companies ) were stolen from my mailbox. The checks were altered. Unauthorized amounts were paid to XXXX XXXX ( for {$2100.00} ) and XXXX XXXX ( for {$4000.00} ). I have never met these people and an unaware as to how this occurred. My bank is Chase. It is my understanding that XXXX is a XXXX XXXX customer and XXXX is a client of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Jim Bottin Enterprises, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Due to covid, I was laid off from my job and decided to cancel my XXXX XXXX membership. I contacted ABC Financial ( XXXX ), the third party billing company that handles their memberships, to cxl the membership. I spoke with XXXX and was told a request needed to be submitted in writing. Written request was submitted XX/XX/XXXX. Received response back confirming a pending cancellation on XX/XX/XXXX. This letter also stated any outstanding charges would draft from my account automatically ( auto withdrawals are set up through my bank ). 
Separately, an email to all members was sent out by XXXX XXXX on XX/XX/XXXX stating that they would be ceasing billing for all members due to the covid pandemic. 
In XX/XX/XXXX, I began receiving calls from a debt collector in California, XXXXXXXX XXXX XXXXXXXX. When I called back the number, a man named XXXX XXXX ( XXXX ) spoke to me in a condescending, argumentative and extremely unprofessional manner. He practically laughed mockingly at me and demanded close to {$400.00} for delinquent gym fees. I explained my membership had been cancelled and he did not want to hear it. I asked for a simple explanation of charges, totals, fees any backup he could provide - he would not elaborate. He was arrogant, spoke with a loud angry tone and it made me extremely uncomfortable. I felt threatened. 
I reached out to ABC Financial, the third party billing company that XXXX XXXX uses ; I spoke with XXXX again who told me the account had already been transferred over to XXXX XXXX  so she could not speak any further about it. XXXX was able to at least tell me I was responsible for one last month due to the terms of my membership totaling {$49.00}. I then prepared a check in this amount to XXXX XXXX which was mailed to XXXX XXXX XXXXXXXX in XXXX XXXX California XXXX. 
A few weeks went by without any calls but I now have again heard from XXXX, today receiving a message from XXXX XXXX. 
After XXXX this company online, I was not surprised to see many other people with similar experiences. These people are relentless and I feel I fairly paid what I owed, even with the gym offering to forgo charging its members. I do not feel I should be held accountable to any late charges or the XXXX XXXX from these ruthless people.

Company response to consumer: Closed with explanation