BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
i have issues opening a bank account, and depositing a government check. i previously have had fifth third bank and my account was closed due to bounce checks thru my previous employer. i would really like for this problem to be fixed on my report because it makes things impossible to deposit a check. checks are on my name and have a valid ID. the bounced checks were completely by the employer so therefore this isnt my fault on how it affects my checking issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: KY
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  Account # XXXX, and XXXX, has violated my right.

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 2019-11-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a new credit card with XXXX  XXXX  via comenity bank for a furniture purchase. I never received the credit card and the charges for the furniture were levied. I was unable to make the payment for the purchase online by the due date since I did not have the physical credit card and hence did not know the credit card number. Comenity bank charged me late fees and interest. I called the bank to let them know I did not receive the credit card. They issued me a new credit card via mail and as soon as I received the credit card, I made the full payment. They agreed to waive the late fees but did not waive the interest charge. In this dispute, I had to close the account and lost on the {$250.00} store credit for opening the credit card. In addtion, I get daily harassing calls from the bank despite this being their error and it has severely impacted my credit score which was XXXX prior to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: MI
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 have attempted multiple times to dispute the late payments during COVID-19 when I was laid off and unable to always make the full payment. There was an order in place that companies were not allowed to report negative because the impact of COVID. XXXX was able to work with me to make payment arrangements, but they are reporting me as late during those times. I mailed letters and the returned as " unable to deliver ''. I also called and they stated it was noting I could do but dispute it. I have a copy of the letter mailed and returned envelope and a image of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My wife and I both Applied for the Barclays XXXX XXXX XXXX Master card on or about XX/XX/XXXX. On the website and in the terms and conditions it stated we would receive XXXX bonus miles after we spent {$500.00} with in 90 days. I had my card rushed delivered and received it on the XX/XX/XXXX. Upon receiving the card the documentation that came with the card stated on XXXX miles upon spending {$500.00}. I immediately called Barclays to address the conflict between what I signed up for and what I received. The agent was very helpful and she and I walked through the web links, which I screen shot for future reference, and she agreed that it did say XXXX miles but she needed to open a case. When my wife received her card it was the same issue. After no response other than a message stating the issue was being looked into we called again on XX/XX/XXXX and again explained the issue with both cards. The agent at that time said the cases will be reviewed and they would get back to us. Each of received a letter on XX/XX/XXXX stating " We're currently unable to assist you with your rewards issue. '' The case # s are as follows XXXX and XXXX. With the case numbers being consecutive it tells me the original agent never opened a case for myself as if was going to fix it self.

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 2022-12-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Following Accounts are incorrect and adversely affecting my livelihood XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Permenantly delete the accounts mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was scammed using XXXX, provided by the bank, for {$300.00}. 
I immediately stopped communication with scammer, contacted the bank with dispute and file an immediate police report, who determined THEFT BY DECEPTION. 
The bank Assistant XXXX would not help me in getting my money back AND followed up by SEVERING RELATIONSHIP WITH ME. 
I was treated as though I was the criminal. 
He did this all while knowing that my SOCIAL SECURITY XXXX DIRECT DEPOSIT would be affected. 

Total jerk!

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 2022-10-14
Company: BSI Financial Holdings, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought my home in XX/XX/XXXX. I am XXXX XXXX XXXX and I applied for and was approved for the Senior Homestead exemption on my taxes in XX/XX/XXXX. I have been asking for the escrow to be recalculated to reduce the payment since XX/XX/XXXX. I sent XXXX more emails to their customer service dept. on XX/XX/XXXX. They still refused to confirm receipt of the documents. So I called them XX/XX/XXXX to see what else they needed or to get a status of the request and they said they never received the documents. They told us to send the documents again so I emailed the same address again with the new tax bill showing the exemption along with the original application and my new ID with the address on it. I was told it would take 30 days to process the " analysis '' of the escrow. We called again XX/XX/XXXX and XX/XX/XXXX and they still do not know when it will be complete. This is causing me great financial hardship and I need help to make them adjust these payments. I am getting refunded by the tax office because they are collecting too much for the taxes but still refuse to process the change to the escrow. I don't know what else to do other than to file this complaint and see what can be done to help me get this processed. I am a retired XXXX Veteran and among some of the first women ever enlisted in the XXXX as a XXXX. I deserve this tax break and I have worked my whole life. I see no reason why it takes 6 months to a year to recalculate the tax deduction for the escrow. 

Thank you XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Navient Solutions, LLC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had my Navient and XXXX accounts consolidated with XXXX. Navient is still reporting loans in a negative manner instead of deleting from my reports as i no longer have loans with them. So now its showing as if i have XXXX different loans when i only have 2 none of which is with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 2020-09-23
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced our VA mortgage with Freedom Mortgage in XXXX. We were sent several versions of closing statement before closing. Each with increasing costs of closing. The loan officer we dealt with at Freedom Mortgage said that they would pay the closing costs except for fee to VA for loan ( approx {$1000.00} ) and a fee to them of approx {$1000.00}. 

The notary that came to our home in XXXX had a different set of closing documents and no copy to leave with us. We had been trying to refinance this loan since XXXX and with COVID 19 issues were just closing in XXXX - so in frustration and without options of getting ahold of the loan officer on a Sunday, we signed closing documents. Now our loan increased by approx {$5000.00}! 

I have made several phone calls and sent several emails to Freedom Mortgage since the closing in XXXX with no response or promises to send documents within the week - now we are almost 3 months later and still no documents. I have no idea what the closing costs were on this refinance and Freedom Mortgage refuses to send the documents. I feel we have been overcharged by Freedom Mortgage and were mislead regarding the costs of the closing.

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 2023-10-26
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX Chase charged me XXXX XXXXXXXX {$100.00} in overdraft fees even though I previously told them not to honor charges if they balance could not support it. They did the same thing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling another {$100.00}. 

I used ever feature available in their app to disable overdraft protection yet they persist in running this moneymaking scam. I told them the last time this happened that I did not want overdraft coverage and they removed the overdraft charges. Today they refused. They are STEALING MONEY FROM A XXXX PERSON ON A FIXED INCOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: MIDFIRST BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bank with midfirst. I cashed my check in store with a teller then went to atm in store added extra cash to make even XXXX and deposited that cash into my account. Cash deposit should be available immediately. But it wasn't. Not even a dollar. I don't know a single bank or anywhere that doesn't honor cash instantly. Even the policy says available instantly unless ... in which case 24 hours funds will be available. This is already a major issue but what can I do. I wait 24 hours and check to see that no none of the money is available. And my direct deposit made on the XXXX was held supposedly till XXXX on the XXXX but yet still at XXXX in the afternoon 24 hours later none of my money available. So I went to the branch and said what the XXXX oh sorry if its after XXXX it will take 2 days. Well it wasn't after hours it was XXXX XXXX and its now XXXX so 27 hours after I gave them XXXX cash. And no money is available to me. I sat with customer service on the phone who then waisted my time by placing me on hold 2 times when obviously they knew from the beginning they weren't gon na do anything about it. They ended up telling me the funds will be available at midnight. So another 5 hours. We will see. Not looking too promising since so far they have broke 2 of the companies policies. And so I just want to close my account and they can't do that because there still busy stealing my money. To me I view this as the bank has robbed me stolen from me. They deserve to be punished accordingly. And I want compensation. They hold back charges and clear them in order that makes you go negative and then charge overdraft fees and then they want to steal cash from me. They owe me for my time hassle embarrassment and hunger. I want ever monthly service fee and overdraft anything I've ever given them back plus I want my XXXX credited to my account like uhh 27 hours ago.. they seriously waited 3 days before then put 7 atm service fees all tacked on at 1 time 3 days later. So my account went negative. Hello, thats old news XXXX was sued over that XXXX long ago and now midfirst who use to not even charge atm fees is now pulling that shady XXXX. Amd now they won't give me my money. No I don't think so.

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 2019-04-25
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have paid early every month. They put one payment into suspension and then reversed it. Since then, they have been charging me a late fee. When trying to fix this by putting in reversals, I cant follow where the money is going. I have spoken to 3 customer service agents that cant follow where this is going as well. They see where it all stemmed from and why the reversals have been put in. They can not figure out why money is being applied to other and what that is. You also cant follow where the principle payments have been applied properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX and received a garnishment from Bank of America on XX/XX/XXXX for an alleged debt owed XXXX. I have never taken any out for a car from Bank of America neither I apply for a loan with Bank of America. I have never defaulted on a loan from Bank of America and the information that is on the garnishment is not correct and its 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 2023-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
How is this even legal? I received an offer from CapitalOne for 30.49 % interest. 

I want to know why the government is not protecting us against predatory credit card offers from United States banks. 

I will be asking the same thing of my congress people. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: AES/PHEAA
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On dates- : XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX I requested an itemization of the current amount of the debt with specification of where each student loan amount was applied to and its corresponding Semester/School Year. 

My request was initially forwarded to the legal offices of XXXXXXXX XXXX XXXX  XXXX XXXX who to date have failed to provide me with the requested information thus my rights under the XXXX Consumer Finance Protection Bureau Debt Collection Rule was disregarded making XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 

Though, it is true that in good faith on XX/XX/XXXX, I agreed to payment of all student loan monies owed to XXXX XXXX XXXX XXXX XXXX XXXX additional information from the Student Loan Financer, Navient, called into question the Accounting practices of XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Navient provided me with an Itemization of the current amount of the debt ( including interest, fees, payments, credit ) and the specifications of each semester in which the loans were applied. Navient paid monies to XXXX XXXX XXXX  XXXX XXXX via Student loans I obtained during corresponding semesters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX amount XXXX date XX/XX/XXXX. collection agency sent a letter stating they had bought a debt from original creditor from XX/XX/XXXX. The collection agency re-aged this debt and reported it to XXXX with the most recent date not the original delinquency date I have disputed with XXXX  and they are validating this to be true I have never made a payment and have disputed this debt in the past and it has never been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit 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:
In XXXX, I made a purchase from XXXX XXXX and opened an account with XXXX XXXX, then called XXXX XXXX XXXX. In XXXX, I received the first bill for the account and attempted to make payment online. I received an error saying I had to contact customer service. XXXX XXXX customer service told me that my XXXX credit account has been moved to another bank called Comenity Bank, and I should wait to receive a letter from Comenity bank on how to access my " XXXX XXXX account ''. After some time, I received a letter from Comenity bank with directions on how to access the new account on their website, but stated that the website will not be available until XX/XX/XXXX. I was away on a business trip during this week and returned on XX/XX/XXXX, which was also the payment due date. I was finally able to create the online account and make the payment, but it said that the payment would be processed the next business day, and the payment is late. I immediately contacted their customer service to explain the issue, and they told me that there would not be any late fee or penalty due to the account conversion. I waited two weeks and checked the Comenity website again and it showed that I was assessed a late fee on XX/XX/XXXX. The website also showed that there is an XX/XX/2023 statement with payment due in XXXX, but I never received this statement/bill either in the mail or in email. I contacted Comenity again to inquire why I am not receiving any bill, and the customer service representative told me that they do not send out a statement, I have to log in to the website to find the statement and just remember to do that every month. I asked how I can receive an email or text message alert when a new statement is available or when a payment is due, but again was told they don't offer any such alerts. I informed them that it is highly unusual and irregular for a bank or other credit/lending organization to have a revolving credit account but without sending out a monthly statement or alert that a payment is due. I believe that the failure to properly convert the account from XXXX to Comenity, which incurred late fees through no fault of my own, and potentially impacted my credit score, and Comenity 's refusal or inability to send a monthly statement, are both illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30
Company: KEYCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a bank account that My mother was my payee for my ssi. My grandmother lefted me some money and it was deposited in there. They wont let me get the money out because shes on the account as my payee so I would like a refund of all the money spent because she was never supposed to spend it. And I did not give her permission to do so.

Company response to consumer: Closed with explanation