BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a pay off quote on XX/XX/20. They told me that I had until XX/XX/20 for {$3900.00}. On XX/XX/20 I completed a online payment of {$2700.00} and sent {$1200.00} in a cashier check. I paid the {$2700.00} online because I knew the cashier check wouldn't get there by XX/XX/20. I thought by paying the {$2700.00} first I can keep the payoff amount as quoted ( the interest would not accrued. ) I called customer service to ask if this would be an acceptable method ; he confirmed that it would be fine. 

They cashed the check XX/XX/20. These payments were not applied to the payoff amount ; the account is still showing unpaid principle amount of {$850.00}. I have been trying to resolve this issue since XXXX. XXXX XXXX, they told me that they can not honor the online payment as a payoff amount to the principal because it was not in the cashier check form. 
For the past 7 months, I have been the only one reaching out to them. I had explained to 10-15 customer service about my issue ; every single time, each one of them said that they would call me back, but none did. I feel that I had paid for amount and even proactively to sent the payment earlier so they could the money earlier. Due to technicality how the payoff payment was made, they lengthening the time of this issue to be resolve to accumulate the interest. 

I would appreciate any advise on how to pursue to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I went to XXXX from XXXX XXXX, 2016 until XXXX XXXX, 2016. While I was in XXXX, there were XXXX charges to my Bank of America credit card in XXXX California ( {$150.00} on XXXX XXXX, 2016 and {$100.00} on XXXX XXXX, 2016 ). There were no other authorized users for that credit card, and I had it in my possession during the entire time I was in XXXX. So, there is no way that I could have been responsible for those charges. 
I filed two disputes for the charges, and Bank of America denied my claims twice even after I submitted documentation showing that I was in XXXX during those dates ( boarding passes, hotel bill, metro transactions, and sales receipts ).

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 2021-07-29
Company: Penn Credit Corporation
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a debt with XXXXXXXX XXXX XXXXXXXX. The sold it to Penn Credit. I called to pay the balance and was told because of the state I reside in ( Missouri ) I had to pay an additional fee of {$7.00}. How does the state I reside in constitute an additional fee? I did pay it with my debit card and there is no payment pending with my bank! SCAM

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My complaint is as follows : XXXX I have leased XXXX XXXXXXXX XXXX for a monthly amount of {$270.00} -The financial representative added an insurance of tires of additional cost of {$26.00} to the contract without my consent and approval, -The amount of my monthly payment increased to {$290.00} a month -I called Honda and the dealer to cancel the insurance of tires - I have submitted several complaints to CFBP ended up that the dealer sent the additional amount of {$960.00} which is covering the additional cost back to Honda Financial services. 
-I called Honda asking about the check, - XXXX  from Honda told me that she had been told by her manager that she check will be held till I return the car after the 36 months end - XXXX  advised me that the insurance is cancelled and tires are not covered and they are holding my money that I paid for the tires till I return the card back - please help me against this Fraud by Honda Honda Financial services, they are refusing to end me my money back - I never seen such thing in my life that such company is steeling the customer just like that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not give this company permission to view my consumer report. 

WFDS XX/XX/2021

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 2015-05-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I applied for and was approved for a forebearance through Navient was paid for on XXXX XXXX, and on XXXX XXXX I began getting harassing phone calls and emails about a late payment because they had not correctly processed the forebearance, only taken my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I did call XXXX at that # XXXX, ( per attached file ) according to them ( XXXX ), I have XXXX XXXX XXXX accounts, all of them are according to EquiFax report but this XXXX with " Previous Balance : {$3500.00}. 
The only information from Equifax report that XXXX was able to find out what XXXX XXXX was, it was the opened date XXXX/XXXX/2007 and it is the XXXX XXXX, she reported balance of {$0.00} and was unable to find any " late charges '' or late payments since 2007!!!!!, also as my XXXX Statement attached, report {$0.00} as my present balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I had previously submitted disputes in regards to a bankruptcy being reported on my credit report. In those letters I submitted copies of my credit reports from all 3 credit bureaus with the inaccuracies and incomplete  information on each one.They failed to acknowledge the documents I sent. They failed to show proof that the bankruptcy belong to me. The only keep providing a case number and the address of the bankruptcy court. I requested on numerous occasions to verify it belongs to me. I requested how they verify their incomplete and inaccurate information. I was told by one of the credit bureaus that they in fact get information from a XXXX party source such as XXXX. Which under the FCRA they are suppose to gather complete and correct information from the furnisher which would be the Bankruptcy Court.  None of the credit bureaus could produce the amount of money in my bankruptcy, my full name, full social security number and address. If I filed bankruptcy it had to be a reason right? I have to have accounts associated with this alleged bankruptcy. I contacted XXXX and requested them to show how they verified the bankruptcy. I was told by a representative of XXXX over the phone that they get their information from the Bankruptcy Court. I got a letter from Bankruptcy court stating they do not give personal information to third parties and I will attach this letter with my complaint.

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 2022-04-13
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day and can not verify this account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
World Omni Financial Corp has reported on my consumer report that they have charged off the amount I allegedly owe them. A charge off means " a lender or creditor has written the account off as a loss, and the account is closed to future charges ''. Which also means the company has wrote it off on their taxes as a loss which means they technically got their money back on a tax break. World Omni Financial Corp also sold part of the debt before placing it on my consumer report as a charge off. Every month they add {$41.00} to the balance on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a Barclaycard Arrival credit card. The account was closed by the bank and the department responsible for closing my account refuses to take my phone call to explain to me why the account was closed. They are keeping over {$400.00} worth of points I have earned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-18
Company: PROFICIO FINANCIAL SERVICES, LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XXXX/XXXX/2015 I spoke to XXXX XXXX and paid off XXXX invoices that XXXX had past due. At that time I let him know that I thought it was a XXXX month contract and that I would be contacting XXXX to go over the invoices since we did n't use their services for XXXX and XXXX. I left a message for XXXX XXXX to return my call to discuss. On XXXX/XXXX/2015 I received another e-mail from XXXX with an email letting me know that it was XXXX months and I informed him again at that time that I was still going to fight it since we have n't used the service. 
He then proceeded to send me a hostile email that was rude and unprofessional. Once I read it I called him and asked him why he was so rude and unprofessional in the email. I let him know that I was contacting the company and trying to get it squared away. He just laughed and said he didnt give a XXXX!! Was screaming and yelling at me and then said he turn us into XXXX and XXXX. As you can see in the email his tone, rudeness and tactics of trying to intimidate. 
He should be shut down or fined for his behavior. If this is how he is threating people and companies I would never want this company working for me or anyone else I know

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying for a week to get a mini statement showing proof that I have the money in my account to purchase my house. I opened this account online as I am moving to XXXX XXXX  and needed a local bank. 
I have been in XXXX  and am currently crossing the country by XXXX  so I can not go into a physical location. 
All I need is proof of funding that my $ XXXX is in the bank so my home loan can proceed. 

First PNC told me they could not get me a mini statement except by mail or physically being in a location. Then they said they would email, but 5 phone calls and 25 hours later later and the email still hasnt gone through. Then they said they would fax it maybe sometime today after they told me they could, then they couldnt, then they could fax the mini statement. Im beyond frustrated. 
Here I am after hours on hold STILL waiting for a mini statement. 

This is unconscionable. I should be able to get verifiable proof that PNC has my funds any time I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 2021-07-29
Company: SYNCHRONY FINANCIAL
State: NY
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:
On XX/XX/2021, I made a purchase from XXXX for a XXXX XXXX color inkjet printer. It seemed strange to me that such a website ( that appears to sell women 's hair products ) would be selling a printer, but I took the chance. I never received any email or order confirmation from the website. I paid via my PayPal Credit account, which was charged on XX/XX/2021 for {$110.00} - the item price of {$99.00} plus shipping and tax. The seller as listed on PayPal Credit was XXXX XXXX XXXX. After two weeks of not receiving the product, I filed a complaint with PayPal on XX/XX/2021. They contacted the seller, who returned a XXXX tracking number, XXXX, as proof that the item had been delivered. However, this was just a tracking number and did not show any addresses or proof that it meant a printer had been delivered to me. In fact, the weight on the shipment is listed as XXXX lb., while I ordered a 70+ lb. printer. Having not heard a satisfactory resolution from PayPal, I proceeded to file a claim with PayPal Credit, which yielded no results. They closed their investigation, deciding that no fraudulent activity had occurred. I filed several complaints to no avail. Any attempt to reach the seller directly failed.

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 2022-04-13
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
U.s. bank reversed all or most of my charges to companies i made payments to. My car was repossed and other services were shut off including my cell service. At this point its in the thousands of dollars they are supposed to refund me. My car has been now sold at auction by the finance company. Im out of my car and all the payments i made for it over these years because of the mistakes. Not to mention all services being shut off on me. U.s. bank gov. Unemployment benefits over XXXX dollars

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 2021-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I changed my maiden name back in XXXX. My address changed in XXXX. Since I opened my Capital One account while living at XXXX XXXX, I changed my address to reflect the permanent address. However, their system still showed all this old information. The fact my maiden name was still listed makes no sense. I have not used XXXX since XXXX and that was 7 years before opening my credit card. I called in to correct it all. I spoke with a supervisor named XXXX. His employee number is XXXX. He insisted I mail a completed W9 and my drivers license to Capitol One. I explained that I did not want to send my personal identifiable information via mail since I have been a victim of fraud twice ( once was mail fraud and the fraudsters stole my IRS check ). Capital One has the capacity to accept documents via an upload if they send an email with an upload link. I have uploaded documents this way before, so I know it is possible. XXXX refused. I also explained that Capital Ones controls failed since there was not an appropriate process in place to ensure something like this would not happen. XXXX was not interested in appropriately handling this situation and correcting Capital Ones mistake. He pushed me off even after I said I was going to file a complaint with the CFPB. He said ok, if that is what you feel you need to do. Logically, Capital One could pull a credit report and see my last name is XXXX and that appears on all of my personal documents. I also asked XXXX to verify when my Capital One credit card was opened because that would show evidence that the card was opened long after I changed my name in XXXX. XXXX told me he could not see the opening date. This makes no sense. He works for Capital One. I assume he just didnt want to give me the information because that would substantiate my complaint that Capital One should not have had my maiden name in the system. I called back to ask for a different supervisor and spoke with XXXX and she said her employee number is XXXX. However, one has a 5-digit number and the other has a 6-digit number, so I suspect someone didnt give a correct employee number. XXXX also refused to work with me on this issue. I expressed my concern to her about missing the checking account bonus deadline because their turnaround time to process a name change is 5-7 business days after receiving my W9 via mail. Once that is corrected, then I still would have to go through the process of getting my new account funded in time. XXXX offered no assistance in working with me even though this mistake was entirely Capital One. So, after all this, Capital One may cost me a bonus that I should be entitled to just like every other customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Wave Financial USA Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I signed up to XXXX to use there payroll services in early XX/XX/2021. I did everything they asked to verify the account. I even sent extra verification via email. I was able to approve payroll for XXXX employees and XXXX  independent contractors. The company debited my account for payroll on XX/XX/XXXX, but froze the account the next day and asked for additional verification for the XXXX contractors. I sent that verification to them via email. Then on XX/XX/XXXX the company decided that my company was not able to use there services and the money would be refunded with in 65 days. Once a week I contacted them through the chat service to check the status of the refund. No movement was made as to giving me my refund. I continued to ask questions about my refund, but received not assistance. I was refused a supervisor and finally blocked from contacting live chat. Now I am limited to email which has a 10 day waiting period and then they have no calling number. Their website is completely fraud, by saying they would prefer to have a live chat instead of a phone number. I am looking for answers to this issue of getting my money back into my account. If they were not going to process my payroll then they should have never took the funds out of my account. 

attached are FTC filing about the company and most resent attempt to contact a live support representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter 265 Section 37 MGL Chapter 260 Section 2. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not owe the full XXXX $ balance. I made payments on this loan and I should only owe about 100 $ left because I only borrowed XXXX . I was told that the debt does not go up.

Company response to consumer: Closed with explanation