BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-07
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom it may concern : I am writing to file a complaint against Ocwen Loan Servicing , LLC in connection with the denial of a loan modification submitted as part of the National Ocwen Settlement ( https : //nationalocwensettlement.com/ ). After submitting all requested paperwork to make a settlement claim for modification of the mortgage on my primary residence, I received the attached denial letter from Ocwen. The denial states as follows : '' We are unable to offer you a Home Affordable Modification because : The Owner of your loan does not allow modifications. Please note, not all eligibility factors were evaluated. 

We are unable to offer you a Shared Appreciation Modification because : Unfortunately, the owner of your loan does not allowloan modifications. Please note, not all eligibility factors were evaluated. 

We are unable to offer you a proprietary modification because : Unfortunately, the owner of your loan does not allow loanmodifications. Please note, not all eligibility factors were evaluated. 

According to our records, XXXX XXXX XXXX XXXX XXXX, As XXXX For XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage-Backed Pass-Through Certificates Series XXXX is the owner of your loan. " For the past four years, I have attempted to modify the mortgage on my primary residence located at XXXX XXXX XXXX XXXX XXXX, WA XXXX. 
During the recession I lost a job in a field I 'd been employed in for over 20 years. 
My husband is the owner of a restaurant and had also fallen on difficult financial times in XX/XX/XXXX. 
I put 20 % down on this property and never refinanced. 
I made my payments and we had money saved. 
We depleted all of our retirement and savings in a 1 1/2 years, between having to loan money to the businesses and keeping our bills up. 
I contacted the mortgage company at the time and went to a foreclosure counseling, provided by the lender. 
I brought all documentation. 
At that time, I was told I was a prime candidate for a mortgage modification. There was never any disclosure made to me that my loan prohibited modification. 
To date, I have submitted at least XXXX MOD packages that I can account for. 

I am now facing a foreclosure lawsuit initiated by the lawyers for Ocwen in the name of the trust. A summary judgment hearing is scheduled for XX/XX/XXXX and I have yet to receive any response to the appeal filed in connection with my modification request made pursuant to the National Ocwen Settlement. 

I am XXXX years old and I do not want to lose my home. I 'm ready, willing and able to make mortgage payments on my house. I 'm hopeful that the CFPB can help me with a settlement claim so I can keep my home. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
A foreclosure sale is set for this week. I have been awarded the family dominical that I live in and I have the Divorce Decree which states that. The bank will not cooperate in processing a transfer despite me forwarding all the proper documentation and applications correctly. The bank will not discuss the case with me. The bank has sent my mortgage to other banks during the process and has made it very difficult for me to fund an Attorney to organize release paperwork. I have XXXX Children and I rent an apartment to my elderly mother. All I want is to continue to be a good farther and son, maintain the family home properly, and pay the mortgage. My name is XXXX XXXX, the address is XXXX XXXX XXXX, XXXX, MA XXXX, phone XXXX. Loan is # XXXX with IndyMac Bank, XXXX Bank, XXXX Bank. All I want to do is pay the mortgage payments in my name and I have never been allowed to do so. I am a good farther and provide for my children daily and at the ages XXXX, XXXX and XXXX just getting over divorce. Loosing the stability of their childhood home could be threatening to their future. Also, displacing the my elderly mother a wonderful tennant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: NARTEY LAW GROUP, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have already filed a complaint concerning XXXX XXXX placing a dunn on my credit scores. Now I am being contacted by XXXX XXXX XXXX, XXXX by phone & Nartey Law Group LLC is threatening a law suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
m and t bank will hold on to checks that should have been cashed when the account is low so they can charge you with an over draft fee, this is happing to many times.

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 2016-05-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent an amount of money by using MONEYGRAM.COM, online, there were several holds on which payment was available but i had to constantly give them in intervals more and more information on my personal, i.e. Drivers license, DOB, address year of birth, SS and all uncomfortable information to a representative that was outsourced in a foreign country. I 'm now watching my acct notoriously along with alerting my bank of what transpired, I 'm cancelling the money gram acct and reporting them to all agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
While applying for the Barclay XXXX Card I asked the application specialist if they waved the annual fee for XXXX XXXX service members ( since this is common in the industry and they have a high annual fee ). The application specialist told me that sounds right but could not give me a definitive answer until I actually opened an account so they could ensure I was in a DoD database. Given that they had recently waved the fee for a few of my friends I applied for an account. After receiving the card and opening the account I transferred to a SCRA specialist who told me that a few weeks ago 'leadership ' made the decision to stop applying that SCRA benefit unless the service member incurred the debt prior to DoD enrollment date. There were unable to wave my annual fee as my XXXX XXXX service started in 2005. I explained that the application specialist was vague when I asked this specific question and led me to believe that the fee would indeed be waved. There is no way I would have applied for this high fee credit card or let Barclay run my credit report if they had communicated their actual policy during the application process. 

I closed the account prior to the annual fee being assessed, however this account will now appear on my credit report, and the fact that Barclay ran my credit report will lower my score.

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 2016-01-25
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Around XXXX XXXX, 2016 - Barclays Card shut down XXXX of my credit card accounts. I believe the closure of these accounts were done in a deceptive way to entice me to spend money on annual fee 's, accrue miles/points in these accounts, and then to close my account with no notice ( verbal nor written ) and refuse to refund me for any of the annual fee 's, miles, or points I paid or accrued with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX from the office of the president for Barclaycard did reach out to me. However, she had left a voicemail and ever since then we have been playing phone tag. She also has n't paid attention to my request that I left in my voicemails. Because of my work schedule and the time zone difference, I had requested that she call me before XXXX. To me, that 's a small thing to ask. 
After each voicemail I left her, I ended up having to repeat myself as to what times would be best to contact me, and I had to leave a voicemail quickly as I was using my break time to respond to her. 
In my 2nd voicemail I left her I requested if we could communicate through email and I even provided her my email address. She responded to my email with a generic, robot-like response, only repeating what her office hours were and not at all like there was a human on the other end of that email. 
I have since again, left her a 3rd voicemail!, requesting her to either let me know if she could take care of my request which is to have my online account closed! That 's all I 'm asking for! I even told her to please pull the information regarding the communication via secure email that I sent to have it closed. XXXX reps told me that it had to stay open for 7 years and another said for 6 months. I have had multiple banks and all of them allowed me to easily close my online account. Why is barclay being SO DIFFICULT!! I do n't need anything regarding my online account services and wish to have it closed for my protection!! 
That 's all I 'm asking and it should n't be this difficult to get a response as to whether or not this can be done. XXXX XXXX shoud n't have had any problems figuring out what my issue was as I plainly listed it in my initial complaint. I 'm filing another complaint because of the way communication is being handled, the fact that she has n't bothered to really " listen '' to my voicemails, the fact that the email address she wrote me from was n't a direct email address to her and went directly to the call center email department and she did n't say that AT ALL in the email she sent. 
I 've just had enough. All I 'm asking for is to have my online account closed and I 'm not taking anymore time out of my work day to return her calls since she ca n't respect the time that I have available to talk.

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 2015-08-29
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card
Issue: Balance transfer

Complaint:
I am, disputing my Barckylcard rewards mastercard that I opened back in 2013. There it shows a balance transfer in 2013 back in XXXX that was made to all of the credit cards that I had under my name. The charges went to XXXX, XXXX XXXX XXXX and also XXXX. I called to dispute this charge sense I did not only have the card yet when I just applied for it, but also I was uneployed at the time and was not going to be getting a credit card to pay other credit cards. I am waiting for this issue to be fiexad and also the balance tranfer fee to be taken off of my account after XXXX years. I reported all of this as fraud and it keeps coming back that it is all valid. Yes, the accounths that was paid was my other credit cards but yet again, was not even done or the card was not in my hands or I did not recieve it at that time of this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2014 and XXXX XXXX, 2014 I submitted a dispute to XXXX XXXX at Synchrony Bank for current charges with Care Credit, the Provider is Animal Hospital of XXXX XXXX. I signed a contract with the Animal Hospital on XX/XX/2014 for XXXX for my XXXX dog. XXXX developed an XXXX which was diagnosed as XXXX. An X-ray was taken and confirmed that the XXXX that XXXX XXXX placed in her XXXX during surgery failed and because of the XXXX XXXX which she contacted during the surgery, needed to immediately be removed from her XXXX. He never offered to redo the surgery free of charge. I still have an open Care Credit with a balance of {$1500.00}. XXXX XXXX refuses to re-emburse me for the original charge of {$2800.00}. or remaining balance of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Perfection Collection
State: LA
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:
I paid a collection account, in XXXX of 2015, with XXXX that originated from XXXX Home Security. This debt was paid as a result of a settlement agreement between myself and XXXX. However, the problem today is that this same account, which has been paid, is now reporting on my credit report with Perfection Collection ( PC ). I contacted this company and spoke with a XXXX and explained to him that I had already paid this debt with XXXX. I was rudely told by XXXX they received ( purchased ) this debt approximately six months ago, the debt would remain if I did n't pay the debt, XXXX was a fraud and they would make sure this debt continued to report on my credit reports until it was paid. I have provided documentation to this company from XXXX, which reflects the same account number that they have, as well as, the same original creditor and the debt being settled, but PC refuses to remove this debt, despite the fact doing so violates my rights under the Fair Debt Credit Reporting Act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-04-25
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: Payoff process

Complaint:
Synchrony Bank did NOT adequately remind me that my promotional " Zero Interest '' was nearing it 's completion. I set up and fully executed a {$300.00} am month automatic payment AND, here 's my mistake, EMAIL statements, trying to save a tree or XXXX. The combination of automatic payments, email 's whose only subject was " Your statement is ready '' and human nature, I missed the end of the promotional period. I originally borrowed {$9000.00}, paid it down to {$3600.00} and then they added MORE THAN I OWED in interest : {$3700.00}. I paid two more auto payments before I noticed on the statement that I owed something like {$6800.00}, which was a whole lot more than my Quicken account had on it. Two calls to the company provided no relief. 

It is true that they are within the provisions of the agreement. They won the game. I lost, and yet I feel liked I got XXXX. When I reviewed my email statements, the ONLY place in which they gave me what I presume to be the legally required notice regarding the pending end of the promotional period, was on the statements which I had to open online and were NOT distinguished in anyway. Apparently, the law does not force them to make the " end of promotional '' statement stand out. This company probably complied with the law but NOT any concern for making me aware of my pending XXXX. 
At the very least, I believe they should be legally obligated to announce the pending end of the promotional period IN THE SUBJECT LINE OF THE EMAIL. I believe the laws are inadequate in this regard. 

I have the money and will certainly pay it off and close the account, but I 'd sure like a response from someone about this before I do so. I also at least intend to call attorney 's I found online who stand ready to sue this company.

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 2016-02-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry by SYNCB on XXXX/XXXX/2016. I did not authorize any employee of this corporation to review my report for any purpose at any time. Further, I personally contacted SYNCB to delete this adverse information and for all intent and purpose, to provide me with any signed documents authorizing them to review my report within 5 business days, SYNCB has failed to do so in clear violation of my civil rights under FCRA and Privacy Rights Acts. To that extent, I have continued to suffer irreparable economic loss, including but not limited to my inability to securing meaningful employment, housing and/or obtain new credits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I linked my XXXX XXXX XXXX checking account to PayPal and then used PayPal as an intermediary to pay a friend. I was given the impression that PayPal would deduct the amount I wired my friend from my checking account, similar to how Venmo payments occur. However, this never occurred. Instead, by linking my XXXX account to PayPal, PayPal slyly opened a credit card account unbeknownst to me and used the " funds '' on this credit card account to pay my friend. This credit card account is now in collections and I have been referred to a debit collector for an account I was never aware I opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Barclaycard has for the XXXX time offered by husband an increase in his credit line, while not offering one to me. We opened the accounts around the same time, carry similar balances, pay roughly the same monthly amounts, on the same day from the same bank account. We live at the same address, have mostly joint accounts, and have credit scores within about XXXX points of each other. Oh yes, and my husband earns $ XXXX per year, while I earn $ XXXX. The only marked difference between our accounts is that his is held my a man and mine a woman. I forgave the first instance of this in 2012 because they called it an oversight and promptly increased my limit above his. When I contacted them this time ( 1-called customer service, 2-sent email, 3-spoke to manager ) I was told I was " denied '' my request for an increase and lectured on my poor payment history. When I explained everything I stated above I was told that they do not take gender into account and it must be something else I have done. I am very disappointed and believe this company 's credit line policies should be reviewed at a national level to look for signs of gender bias.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this debt is not 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 2016-09-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a CareCredit Card through Synchrony Bank. It was brought to my attention by XXXX Credit Bureau by email on XXXX/XXXX/2016 that Synchrony Bank, without my knowledge or consent, reduced my line of credit from {$7500.00} to {$6000.00}. I called Synchrony and spoke with a manager as to why this reduction to my credit line happened. I was told by this manager that due to my card being inactive for a length of time ( one year approx. ), Synchrony saw fit to reduce my credit line to help prevent any fraudulent actions ... huh?! I explained that reducing my credit limit would not look good when it 's reported to the credit bureaus, but again was told this action would reduce any potential criminal activity. Which begs the question, if someone were to access my account in a fraudulent manner, what would be the difference between {$6000.00} and {$7500.00}? It would still be an unlawful attempt to pursue monetary gain through identity theft. I would very much appreciate any assistance from CFPB regarding this matter and what, if anything, can be done. Thank you.

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 2016-02-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Barclay 's Bank is cheating from their customers, I got credit card Arrival+ # XXXX from Barclay 's Bank.They offered bonus XXXX miles, if i have spent $ XXXX in 90 days, which i spent and paid their money in time.but i never got the offer, so canceled the card.I earned their bonus miles, but i never had chance to get bonus miles for airline ticket, every time i called the bank said my miles are not ready, i need to call back in the future.today, i called again & again, today, they just said my miles expired already. this is totaling cheating from their advertisements, they still offer this bonus offer all over media & internet, but you can not get the bonus miles.!!! I have more than XXXX miles at least, i earned and qualified from them, and i am asking my miles, i can not get it, it less than year, i tried several times, there is no way i can get from the bank, i really need your help to get my earned miles, so i can use them as airline ticket. 
finally the bank is cheating from their customer and this is totally manipulating, this is not the offer in the advertisement, this is the other cheating problem also!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In XXXX of 2015 I wrote to my card company about an ongoing problem which I had originally called about on four previous occassions. I had requested the no interest financing program, yet the company continued to assess finance charges. At the end of the fiancing period I wrote a check for the full amount, less interest and sent the check along with a letter to the president of the company. 

Since then I have not received a written response to my dispute letter and the company cashed my restictively endorsed check. Since then I have called three more times requesting a written response which I still am waiting for. 

I have stopped making payments on an existing program pending their response and resolution of my dispute. However, I have begun to receive collection calls and letters.

Company response to consumer: Closed with monetary relief