BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Monday, XX/XX/22 at XXXX XXXX  a person had left my wife a message claiming they were with our local law enforcement, Warrant and Claims department and stating they were going to detain my wife for missing jury duty. They claimed she had gotten a certified letter in XXXX that she signed for, stating jury duty was upcoming. My wife call them back, claiming to be XXXX XXXX with the XXXX, MN police department. He had asked to transfer money over the phone otherwise my wife would be detained for paying as she had a warrant out for her arrest. Unknown to me, she was in the other room of our house dealing with this person, transferred from our Wells Fargo Bank account through XXXX, {$1000.00}. After 20 minutes of dealing with this person, she had me talk to them as they wanted to transfer money from XXXX next in the amount of {$1500.00} and trying to get a total of {$3500.00}. I talked to the person " XXXX XXXX '' and called his bluff, unknown to me she had already transferred the {$1000.00} through XXXX. I stated if he is a police officer how can he prove it... he said he would hang up and call from the main number at the police station. He called back 30 seconds later and phone number came up with the XXXX Police department. I actually started to believe him somewhat, but told him still not good enough. 
He was going to have my wife stay on the phone, record her mileage on our vehicle and drive to the XXXX, MN police station. He stated she could not go anywhere else, to stay on the phone and drive directly to the XXXX Police Station and she was about to. I told him, the police could come to our house and arrest her if this was true and told her to hang up, in which she did. 
I started a claim with our bank, Wells Fargo and filed a police report. Wells Fargo stated today, XX/XX/22 that the claim has been closed, they reached out to the other bank and was unlikely to get our money back. 
This is very upsetting that someone would push this hard and take money from hard working individuals and keep going on to the next person and do the same thing. There has to be protection out there for this. We have banked with Wells Fargo for 30 some years, have excellent credit and no records, even as far as a speeding ticket.

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 2017-01-27
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, my name is XXXX XXXX Current address : XXXX XXXX XXXX XXXX, XXXX XXXX Address of property in Question : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been dealing with Di Tech ( Mortgage Servicer ) Loan number XXXX I was in the process of a " Deed in Lieu " on this XXXX Property Just recently .. I was in process of having the Deed in lieu approved ( As it was expressed to me ) .. the Title was Clear, the Home was Re-Keyed ( By drilling out the Old lock and new Lock Box and entered XXXX I have NO access ..How was this allowed to proceed .. 
the Cart was before the Horse .. as The XXXX was way above the Norm and I was told that the Deed in Lieu was DENIED .. 
How can ALL of this occur and it be denied? the XXXX was way above the common Comps for that area .. as I understand it was {$170000.00} +/- and I had Too Much Equity, therefore Denied .. I have not been able to pay on this home due to Hardship ( Which Di Tech has All that info ) and have had it for sale for years at a much lower price, just to Break even .. 
After all the Hoops I have had to jump thru, and a very poorly implemented process with very inaccurate guidance ..I do n't understand How this happened I request an " Appeal " of this Denial and make Di Tech act positively to this request. 
I have had a Triple By pass and the Years and last 6 months of stress dealing with this Servicer in attempt to satisfy the needs and process has taken its toll on me Physically. 
my only recourse ( I was told by DiTech ) was to contact XXXX and request another look at this Whole Deed in Lieu and have it resent with Special Approval to reinstate the Deed in Lieu process my Home phone is XXXX home address : XXXX XXXX XXXX XXXX, XXXX XXXX Please review this request and afford me the remedy I need to complete this process in my favor Thanks in advance XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Synchrony Bank has been reporting falsely to the credit reporting agencies since XX/XX/2015. I paid off my debt to Synchrony Bank through a debt consolidation program called XXXX. Synchrony received the payments from XXXX and the last time I wrote the credit reporting agency to address Synchrony 's false reports. Synchrony sent me letter back with the contact info and copies of the last 3-4 payments confirming they received them ( attached documents ). Synchrony reports my high balance as {$3500.00} It shows they confirmed the final payment {$710.00}. The original balance I was supposed to pay through the debt consolidation program was {$2700.00} I ended up paying {$4200.00}. I have tried calling Synchrony Bank 16x on several different numbers they had given me and transferred me to only to to get sent to an automatic disconnected dial tone everytime. This is the only other option I have left to resolve the discrepancy. 

They falsely reported on my credit reports that it is unpaid and they are falsely reporting a balance on my account. They actually made way more money than I even owed.

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 2015-11-28
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card
Issue: Billing disputes

Complaint:
An unauthorized purchase of {$340.00} was made on my Sam 's Club credit card account XXXX XXXX. When it appeared on my statement, I contacted the issuer and challenged the charge. I was assured in a phone call to Synchrony Bank ( issuer of the card ) on XXXX XXXX that I was not liable for the charge. When the charge remained on my account, I phoned again XXXX XXXX and was told to ignore it. When it continued to appear, along with late fees, I called repeatedly and was transferred to Collections instead of to Customer Service. I finally got through on XXXX XXXX and was assured that I was not liable for the charge, and that I would receive documentation to that effect within 7-10 business days. The documentation did not arrive and the company kept phoning my wife to demand payment. I finally got through to Customer Service ( after fighting with Collections again ) on XXXX XXXX and was assured that my account had been fully credited and showed a {$0.00} balance ( in spite of the fact that their computerized system had just informed me it was {$450.00} ). I will believe these assurances when I get my next statement. In the best case scenario, it took 115 days, XXXX direct phone calls and countless harassing phone calls to my wife to get this cleared up. Worst case, the saga continues...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello - My name is XXXX XXXX. I have been with My Loan Care since XXXX and it is always an issue with this servicer. They purchased my loan a few years ago and I was originally with XXXX. They constantly causes my insurance to lapse due to their lax policies on payments and this was an issue last year and an issue again. What can I do to prevent this from reoccuring or can I switch to another servicer since this is a Fannie Mae loan? I have asked on numerous occassions to remove PMI as I have been paying that since XXXX or to modify the loan to a lower interest rate. They never respond to inquiries or anything. 

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 2021-01-06
Company: Avant Credit Corporation
State: FL
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:
I started to notice small charges around middle of XXXX, but I didn't pay to close of attention to the small charges until late XXXX because I had only used the card twice since I received it. I called Avant in total confidence that the issue would be taken care of promptly ; only to be transferred to different departments 8 times, and then a representative assured me that they would take notes and have these charges removed and cancel the card and send a new one ; this was the first call in XXXX. I called again in XXXX, a this was a repeat of the first call, but I found out from the Avant rep, that someone attempted to use the first card ( the one that was supposed to be cancelled! ) after I had already received the new one ; with all of this said, they gave me no alternative. I had to cancel the card, however after the first dispute Avant responded with ; your account has been updated ; not quite sure what this means. I'm describing the happenings in this complaint to see if I can get this account expedited. I also threw the card and I only have the last four digits Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I emailed PHH to pay the second half of Summer Property taxes from my escrow account. 

On XX/XX/XXXX I notified PHH that the annual escrow statement was incorrect. I asked for a refund of the {$2000.00} that was in the account at the time of the " Annual Escrow Statement ( because they had not paid the second half of my Summer Property Tax ). 

On XX/XX/XXXX I responded to the incorrect Escrow Analysis letter and asked again for {$2000.00} that I paid for the second half of my property tax. 

PHH has not refunded my escrow that was available at the annual escrow statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: I.C. System, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX RE :  FORMAL COMPLAINT AGAINST XXXX XXXX / XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX CONTRACT NO. XXXX XXXX XXXX IS CHARGING ME FOR A STOP PAYMENT CHECK FEE OF {$15.00} AND WILL NOT ALLOW ME TO PAY ON LINE ANYMORE. 
BY MISTAKE I MADE A DOUBLE PAYMENT TO XXXX. ON XX/XX/2020 FOR {$220.00} AND ON XX/XX/2020 FOR {$220.00}. AT THE BEGINING I THOUGHT THE COMANY HAD OVERCHARGE ME BUT IT WAS MY MISTAKE, I MADE A DOUBLE PAYMENT THAT WAS REPORTED ON XX/XX/2020 TO XXXX  XXXX. THE INSURANCE AGENT CONTACTED XXXX WHO PROMISED TO CUT A CHECK THE NEXT DAY FOR THE REFUND. ON XX/XX/2020 XXXX   XXXX  INFORMED ME, THAT XXXX REFUSED TO CUT THE CHECK INMEDIATELY AND IT WOULD TAKE A LONG TIME FOR ME TO GET THE REFUND. XXXX  XXXX. ALSO SEND ME XXXX 'S EMAIL IN WHICH THEY STATED THAT IF I PUT A STOP PAYMENT I WOULD NOT BE ALLOWED TO MAKE PAYMENTS ON LINE, THERE WAS NO MENTION IN THE EMAIL THAT THEY WOULD CHARGE ME {$15.00}. MY RESPONSE WAS THAT I COULD NOT WAIT AND THAT I WOULD CONTACT MY BANK SO THAT THEY COULD REIMBURSE ME INMEDIATELY AND THAT THIS WAS AN INTERNAL TRANSACTION FROM XXXX XXXX XXXX  AND NOT A STOP PAYMENT. XXXX XXXX XXXX  RETURNED THE 2ND DOUBLE PAYMENT MADE ON XX/XX/2020 FOR {$220.00}. 
MY REGULAR XXXX INVOICE FOR THE MONTH OF XX/XX/2020 CAME FOR THE AMOUNT OF {$240.00} WITH A SPECIAL COUPON THAT NEEDED TO BE INCLUDED WITH THE PAYMENT TITLED " RETURNED CHECK CHARGE {$15.00} '' XXXX XXXX XXXX  CONFIRMED ON XX/XX/2020 THAT THERE WAS NO STOP PAYMENT INVOLVED IT WAS AN INTERNAL TRANSACTION DUE TO A DOUBLE PAYMENT FOR THIS COMPANY, AND THAT XXXX WAS NOT CHARGED BY XXXX XXXX FOR THIS TRANSACTION. 
I MADE A PAYMENT OF {$240.00} ON XX/XX/2020 WITH CHECK NO. XXXX TO XXXX BECAUSE I SAW THEY WERE CHARGING THIS TO ME ON LINE, THE NEXT DAY I RECEIVED THE BILL AND RETURNED CHECK CHARGE. 

I AM REQUESTING FOR XXXX XXXX XXXX TO REIMBURSE ME FOR THE {$15.00} INMEDIATELY. I SHOULD NOT BE PENALIZED WHEN THIS COMPANY RECEIVED A DOUBLE PAYMENT FROM ME AND THEY REFUSED TO REIMBURSE ME INMEDIATELY AS I HAD REQUESTED ON XX/XX/2020. IN ADDITION I HOPE TO BE ALLOWED TO PAY ON LINE IN THE FUTURE. 
SINCERELY, 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 2020-04-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been trying for the last 3-4 years to open a bank account with the large bank entities in the United States but with no good end result. Wells Fargo, XXXX, XXXX  XXXX XXXX. I have even tried the lesser accounts that Wells Fargo offers for those with bad credit history but still not an option. I am working on getting my credit score back up to normal and with a legit bank account it would definitely help but every bank is telling me no. I would like an in depth look into why that is and for it to be resolved. I have been up to date on most of my payments and dont owe anything to any banks.

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 2022-10-11
Company: NATIONWIDE ACCEPTANCE LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Last week started complaint with WA state AG, as I received a garnishment notification on a debt judgement dated XX/XX/2014. 
Washington state statute of limitations is 6 years. I do not recognize the company. There are not public records for my person in the said county on the written threat of garnishment mailed to my address. Some of the judges listed in the order do not exist and/or are in other states, jurisdictions, not related to the state or county the garnishment is said to be filed in. 
This is also past the 7 years allowed to be reported on credit.

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 2021-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I made a subscription to the website XXXX.XXXX  using my capital one credit card. The site was recommended to me on XXXX and I felt it was a safe purchase and if there were any issues capital one would protect me. After using the site for a few days everything was great and then all of a sudden I couldn't log in. I tried to reset my password and got the same error. I tired 3-4x before giving up and having to subscribe to another site. The next day I tried using the site again and there was the same error. It didn't say anywhere on the site that there would be downtime, that there were log in issues, or something was going to be happening. I messaged the site numerous times before filing the charge back. When I disputed they didn't ask for any documentation. After giving the money back now on XX/XX/21 they have taken the {$45.00} back from my account. How am I being protected? This is only the 2nd time I have ever charged back an item I had an issue with and they are forcing me to pay {$45.00} for something that was not provided to me. XXXX  XXXX is the name of the supervisor that said I would have to pay the {$45.00}. This should be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: SYNCHRONY FINANCIAL
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
A payment was electronically sent to Synchrony Financial from XXXX bank on XXXX. It cleared on XXXX ( the due date ) but was posted with a XXXX date and I was charged a {$25.00} late fee. The posting should have reflected the date the payment was received -- - not the date is was actually posted. I called Synchrony Financial and they waived the late fee but would not admit they posted the payment with the incorrect date. My worry is that Synchrony Financial are doing this routinely to other customers and this could be reported to a credit agency thus affecting peoples credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
walmart credit closed my account with no notification. I called and they demanded to run a new credit inquiry to reopen it. I did not request it to be cloed. This effects my available credit and therefore my credit score as would a new inquiry.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2016-09-05
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I make reference to my complaint number XXXX and several others before that, under which Ocwen keeps sending previous responses stating that they acknowledge that my loan # XXXX has been satisfied and that they have 'filed the corresponding documentation with the county clerk 's office ' ; however, Ocwen does n't include such filed documentation nor indicate with what county clerk 's office did they do such filing. 
I have recently had a title search done on property XXXX XXXX XXXX - XXXX - XXXX XXXX, NY XXXX and no recording was found. 
Ocwen keeps being oblivious to my request and keeps reminding me that the loan has being paid off, forgetting that I was the one paying the loan for 28 years and therefore, I am completely aware that the loan was paid off on XX/XX/XXXX. 
Ocwen does n't need to tell me nor remind me that the loan was paid off on XX/XX/XXXX but they rather need to send me the proof that I 've been asking for : i.e. Document they indicate have submitted to the county clerk 's reflecting the pay off of the loan. 
Ocwen 's letter dated XX/XX/XXXX, asked that I send a letter directly to XXXX XXXX via mail. They only provide a PO box address. They also provide a phone number ; however, no one answers. One has to wait at least 48-72 hours for someone to answer a phone call (? ). 
Something seriously wrong is going on with this institution : They do n't answer calls and when they answer any correspondence, they answer anything but the requested issue. 
I am sending a letter directly to XXXX XXXX with the hope that this time my request is understood and thus Ocwen provide me with the proper response and that Ocwen finally comply with its obligation. Should Ocwen still need further clarification to my request, please feel free to call me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: TX
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 accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number XXXX TBOM/ATLS/FORTIVA THD Account Number XXXX Chapter XXXX bankruptcy petition US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX Employers Select as many as apply XXXX XXXX XXXX

Company response to consumer: Closed with explanation