BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I used the Wells Fargo SurePay services to transfer money to my friend 's account using his phone number. I received the confirmation email and text message saying it was transferred to his account and received a text message as well. I sent XXXX separate transactions to the same phone number in forms of {$41.00}, {$500.00}, and {$2000.00}. The money was taken from my account to transfer over. I waited a day or two to see if he got the money, and he said it never transferred. I checked his XXXX XXXX XXXX account to see if it ever went through, and there 's no signs of the transfer. I checked his statements, transfer history, and even the preferences to see whether the correct number is linked to that account ; and it was correct. He called his bank to see if they can see if anything went wrong, but they said there was not any transfer that went to the account. So, I submitted XXXX claims to Wells Fargo, and they said everything went correctly on their end and that they could not do anything much more. They offered to send any documents that they used relating to the claim showing how they determined the outcome, but they had no documents to show for. I am submitting to claim to determine where my money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: LA
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Theft call my credit card like wells XXXX, Best BuyXXXX XXXX XXXX requests new and used it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BestBuy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX theft call XXXX XXXX  unlock and used it again XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX Pending XXXX XXXX XXXX 
- {$1.00} XX/XX/XXXX Pending XXXX XXXX XXXX. 
- {$1.00} XX/XX/XXXX Pending XXXX XXXX XXXX {$480.00} XX/XX/XXXX Pending XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ARS ACCOUNT RESOLUTION Was open on XX/XX/XXXX .. I dont know this account. The amount is XXXX  .. check everything please..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: ALLY FINANCIAL INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently applied for a loan and they stated that my car loan has not been reporting on my XXXX report. I tried calling Ally and they stated that he has been reporting but I am also not seeing it on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16
Company: Green Trust Cash, LLC
State: GA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
XXXX XXXX XXXX is the bank I use. I had to get XXXX loans to help a my spouse during a crisis and the amount for each has been paid in full but each company still expects me to pay additional money which will triple the original debts. Green Trust Cash will not acknowledge my request to end the account despite not being federally licensed in Georgia where I live, the reason is that they operate under an XXXX Federation Reservation laws. The other, Loan at last is no better but they at least do n't harass me as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied & was approved for XXXX XXXX XXXXXXXX in XX/XX/2022. I started employment XX/XX/2022. 
I realize the program was a XXXX time program, due to my circumstances I recently started employment. 
Seeing as I was approved for XXXX XXXX XXXXXXXX & received {$32000.00} toward my mortgage, not the maximum amount Why wouldn't I be able to receive additional mortgage assistance, an extension towards the prior XXXX before I started working... 
XXXX thru XX/XX/2022, an additional XXXX XXXX since I didn't receive the maximum amount available? 
Its pretty much impossible for me to make up the difference as I've been without income for over a XXXX. Plus my XXXX XXXX  was the lowest amount awarded even though I had wages to factor in, which was never recalculated towards my claim. I've been struggling XXXX XXXX XXXX XXXX XXXX, contemplating XXXX fighting to succeed to get to this point of loosing my house because the eligibility for XXXX XXXX  XXXX program is a 'XXXX XXXX  XXXX ' which makes no sense especially in my personal unique situation. 
I would GREATLY appreciate the additional money from XXXX XXXX XXXXXXXX fund to make my mortgage current. 
Thank you for your time

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 2022-11-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern, I am writing to you again in hopes of seeking assistance and/or direction. I have not been successful in trying to workout a plan in getting my mortgage current or modified. I have REPEATEDLY sent in the docs requested via fax and email ( using XXXX different fax machines ) and EVERY follow up call I make to SPS the response is the same, " we did n't receive your docs or we received your docs but not all of them. '' I am seeking some direction. I have done exactly what was asked and I I still seem to get no where. My concerns is I will be served with a foreclosure notice and I in the process I am accruing fees and penalties. 

I have not been able to ever speak with my 'SPOC ' as she is never available. I did receive XXXX messages from a XXXX XXXX ' in the Consumer Dept. but when I return the call the office is always closed. 

Thank you for your time. 
Sincerely XXXX XXXX Dear Sirs, My mortgage is serviced by Select Portfolio Servicing, at the end of ... 












We 've sent your complaint to the company for a response. 



We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 



You should receive a status update within the next 15 days. 



You can track the status of your complaint at : XXXX. 



New CFPB mortgage rules protect borrowers and make it easier for them to get the help they need. Submitting a complaint wo n't automatically stop or delay foreclosure, but if you 're behind on your mortgage, or having a hard time making payments, call us at ( XXXX ) XXXX ( XXXX ). We can help you find a housing counselor in your area who can develop a plan of action for your situation and help you work with your mortgage company. Foreclosure prevention help is free and special assistance XXXX be available to military members or veterans. You can find more information on mortgages at : XXXX Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX ) On Monday, XXXX XXXX, 2016 XXXX XXXX, Consumer Financial Protection Bureau XXXXXXXXXXXX XXXX wrote :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: CITIBANK, N.A.
State: WA
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:
The company constantly close my case XXXX without giving me any reason. I did not receive the package, uploaded police report and every other supporting documentations. I don't understand why Citi is telling me that I'm responsible for the charge without giving me any legitimate reason.

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 2016-07-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I have a credit card with Chase Bank. I am paying off the balance I have accumulated and can not change the amount of my monthly Automatic Payments. Neither the XXXX customer service representatives, nor the Online Banking, allows me to adjust my monthly payment. I am locked in at a low-level payment called a " Blueprint Payment '' that does not allow me to choose my payment amount. Instead, their computer chooses my amount. I think it is this way so that the company can make more money on interest payments against my balance. As far as I 'm concerned this practice is fraud, plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter requesting information about an alleged debt reporting from IC SYSTEM, INC and I have yet to hear back from them in regards to that. Please look into this matter for me.

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 2016-06-28
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently paid off my mortgage from DiTech - PAID OFF - and yet, to this day, DiTech has n't returned my escrowed tax reserve. I 've called - and told it was " in the mail ''. Then there was an issue with " getting the checks printed ''. In short, I STILL do n't have my money. DiTech is holding on to my escrow to this day, and I have no way of knowing if I will EVER get this money back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-11-04
Company: U.S. BANCORP
State: LA
Product: Credit card
Issue: Delinquent account

Complaint:
I have had a charge account with First National since XX/XX/XXXX never missed a payment. XX/XX/XXXX i set up a payment online that was due XX/XX/XXXX at the same time i set the account up for auto pay but using a different checking account.. 
First National Credit Card sent me a text one week later stating that my account was past due the same day i called to see why the account was past due. The rep informed me mmy payment could not be processed because the bank name didnt match the acct information. I confirmed the account information thatmy payments always came from while on the phone she wwas able to process the payment. 
FNB had mix the acct information up in the process of doing do reported my acct past due when i made the payment the same day i received notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Mobiloans, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a call today ( XX/XX/28 ) stating that they were going to file a claim with my local county, XXXX county. She stated she was looking for me and my location. She called my employer, my mother, my mother in law and me. I have never ever given out the information of my mother nor mother in law. 

They stated they were charging me with three different charges one which included a criminal charge.

I made a few phone calls to lawyers for representation. Then I called back to get more information from the company as I had already set up an appointment with a lawyer for tomorrow. The representative refused to give me a physical address for the company, he simply stated that the law firm was call XXXX XXXX XXXX. 

Later on in the afternoon me and an attorney called the number and he attempted to get more information from the representative which ultimately lead to the man disconnecting the line.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-21
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Names on the mortgage XXXX XXXX and XXXX XXXX. We were approved for the homeowners assistance funds since XX/XX/XXXX. XXXX adviced us the payment was sent since XX/XX/XXXX. My mortgage company still havent apply the payment. Now we are past due with a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Acceptance Solutions Group, INC
State: MO
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I had officially revoked my ACH hold. Spoke with my bank ( XXXX ) and the company ( Acceptance Solutions Group ). As they were overcharging me. It took me filing a complaint with the XXXX for them to finally acknowledge the ACH revoke request. After several months my account has started to be charged again. They polulated a check with my account information and just typed in my signature. I have spoken to an attorney and they were NOT to be taking money out of my account. IThis is fraud. I want the payment they took out replaced and I want them to close my account as paid in full as they were supposed to do months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Victoria Secret decreased my credit limit on XXXX XXXX from {$650.00} to {$100.00} without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
This complaint is a continuation of complaints filed over the last 3 years against Ocwen Loan Servicing LLC, and assigners.Please see the history of this complaint to supplement this complaint. 

In XXXX of XXXX, I entered into a modification agreement with Ocwen Loan Servicing , LLC, to modify my monthly loan payments. The result was my mortgage payment was adjusted to {$690.00}, per month. Upon completing the ( XXXX ) trial mortgage payments in XXXX of XXXX, the modification became permanent. However, the very next month, XXXX of XXXX, Ocwen breached the agreement, by increasing the payment. The month after that, XXXX of XXXX, the payment was increased again. The documentation of the modification and increases in payments are stored in the history of my complaint file. ( Please refer to those documents for proof. ) Since the initial breach, the Consumer Financial Protection Bureau ( CFPB ), et al, has won a court order against several mortgage companies, including Ocwen, that mandates these companies are to, among other things, provide modifications that will lower monthly mortgage payments so that consumers can afford to maintain ownership of their homes. Ocwen has been in constant breach of that " court-order '' as well. 

Today, I am still suffering from the many breaches that Ocwen continues to perpetrate against me, and it has caused me mental anguish ( intentional infliction of emotional distress ), and financial devastation. As of this writing, I have applied for another modification to lower my {$810.00} mortgage payment to a lower amount that would be affordable for a XXXX ( which I am ) person, managing on a XXXX benefit below {$1400.00} per month. However, instead of lowering the payment by : a. reducing the principal, b. approving a HAMP loan under the Making Homes Affordable Program, or c. extending the term by a sufficient amount of years to lower the payment, Ocwen has increased the payment by XXXX dollars ( {$9.00} and change. Please see attached. ) It is clear that Ocwen could have extended the term more, or it would not have extended it the XXXX ( XXXX ) year that it did. This shows a callous disregard for the court-order ( of XXXX ), et al, and me as a consumer, specifically. It 's also a violation of the Truth in Lending Laws:15 U.S.C. 1601-1667f, as amended, et al. 
The result of Ocwen 's reckless disregard for the court, CFPB, and its consumers, is more suffering and distress for me. Therefore, I demand that the CFPB enforce the court order that it won to force these predatory lenders to act responsibly and modify mortgages in such a way that helps, not hurts, their customers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had an unauthorized transaction of XXXX dollars taken from me and it was sent from XXXX apparently. I called my bank Chase bank and they said there is nothing they can do about that which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear CFPB, I am filing a compliant on Chase Bank corporation of Texas for closing my two different Savings Account # 1 ; and Account # 2 without my knowledge not once but twice and did not communicate with me with protocol under consumer policy or procedures in correspondence with regarding my accounts as well as the money that was deposited there in the amount of {$300.00} dollars due to reasons being : 1. not accepting or honoring my Reasonable Accommodations allowed under XXXX XXXX XXXX XXXXof the state of Texas XXXX XXXX ) XXXX. ; 2.  not sending me out any messages via email or letters in the mail to my home address on file ; 3. closing my account due to fraudulent activity and identity theft on my accounts. 

The company has also mentioned to different names reporting on my account by the name of XXXX XXXX XXXX and has stated that I owe a debt, I have verbally disputed the inaccurate information that I am not the person the alleged my name to be. They have two names reporting on my account status and will not remove the incorrect name of whom ever has been using my identity, nor will they give me any proof of documentation of the the two names reporting on my accounts and/or a copy of the alleged debt attached to the inaccurate name reporting on my account so that I can dispute this once and for all. 

This corporation has caused much confusion in regards to non acknowledgement of the current XXXX and utilization of my reasonable accommodations I have the right to use under The XXXX XXXX XXXX and has displayed great discrimination for these reasons my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I pulled my credit report and there was an account from syncb/old navy which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.

Company response to consumer: Closed with explanation