BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a Checking and Savings account with Fifth Third Bank. On XX/XX/16 I had a balance of {$3900.00} in my checking and {$500.00} in my savings. On XX/XX/16 someone somehow had gotten control over my account they deposited fraudulent checks for {$1900.00} then withdrew everything out of the account my {$3900.00} included. This bank now tells me that I owe {$5700.00} from my checking and {$1400.00} from my savings. There was never any credit given to me for the money that was stolen. I've asked the bank several times in writing to show me proof!!. What hurts the most is that they are saying I owe what was taken from me. The told me oh the account is closed its charged off so we really don't care about it anymore we sold that account. {$4500.00} may not seem like a lot to this big bank but that was my kids trip to XXXX that summer!! Do not bank with Fifth Third they have absolutely NO Fraud or Identity Theft Protection!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am part of the wellsfargosettlement class action lawsuit. I'm confused about the acounts opened in my account, when my retirement savings account money began to disappear. I had basic accounts, I earned less than 2000 monthly. I was confused about the way my retirement savings was gone within 2 years. More than 40,0000. I have tried to get the bank to help me understand the situation. There explanation makes no sense. I didn't open 4 accounts. How do I get the reimbursement. Now the bank has my original accounts for my s.s. checks. Basically the same thing before my retirement Fund was available to the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: ARVEST BANK GROUP, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My taxes and Insurance are impounded this is the second year in a row since my loan was sold to Arvest Central Mortgage XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Arkansas XXXX ( XXXX ) XXXX that my insurance was not paid on time by XX/XX/XXXX and I received a Expiration letter from my insurance company XXXX XXXX XXXX XXXX XXXX Ca . XXXX ( XXXX XXXX XXXX dated XX/XX/XXXX. 

When I received the letter I called to make sure the payment had not crossed in the mail, todays date XX/XX/XXXX. In fact the payment has still not been made, called Arvest their automated service said the pay was mailed out on XX/XX/XXXX when I got a live operator XXXX he stated the payment was made on XX/XX/XXXX, he advised that they have a 30 day grace period to make that payment, XXXX stated they have 14 days from the due date. 

I am in the process of submitting documentation for a loan they requested Homeowners declaration which will show as expired causing problems with processing my loan. Kindly advise the process and time frames for normal escrow impounds to be paid I have never had this issue with any other company for 30 years of being a homeowner. 

I would love it if Arvest would sell my loan as I have complained about how they accept payments in the past. That was not resolved they stated they did not have to accept partial pays on the acct and I had signed for that, when I pulled the copy of what I signed it reads they " do not have to accept partial pays on delinquent accounts '' MY ACCT. IS NOT DELINQUENT, IT IS CURRENT therefore I do n't see that applying to my situation of me wanting to make the pays as my money comes in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX XXXX and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

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 non-monetary relief
Consumer complaint received 2018-06-06
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Citi attempted to bill my full balance ( not the amount due XXXX to my bank account, resulting in 3 overdraft fees of {$30.00} each, so {$90.00} in fees. Citi additionally charged interest and additional fees to my account, which have already been refunded. I am seeking reimbursement for the fees resulting from their multiple, incorrect, and unauthorized charges. I have already spent several hours on multiple phone calls attempting to resolve this issue. Citi sent me a letter on XX/XX/2018 requesting documentation, but no address to send it to. I am providing that documentation.

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 2022-10-04
Company: Advance America, Cash Advance Centers, Inc.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I revoked my Authorization for electric debit in XXXX and today XX/XX/2022 they tried to put a check thru for {$100.00}. I was charged a nsf fee because of this and advance America claims I didnt revoke my authorization but I have the email from them when I did and I will attach it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have 2 loans with XXXX. On XX/XX/XXXX, the interest for both loans capitalized. When I called XXXX to inquire the reason behind the capitalization, I was told by their IR department that my REPAYE recertification application submitted on XX/XX/XXXX had an electronic signature instead of a wet ink signature and that this resulted in an incomplete application. Because my application was incomplete, I missed the XX/XX/XXXX deadline to submit the recertification application for REPAYE so my loan repayment automatically changed to the 10 year IBR repayment plan and consequentially my loan interest would capitalize at an unspecified future time. I was not notified by XXXX that my application was incomplete and denied until XX/XX/XXXX, at which point it was impossible for me to submit a wet signature in time for the XX/XX/XXXX deadline. I had called XXXX customer service multiple times in XX/XX/XXXX and XX/XX/XXXX regarding the status of my recertification application and I had been reassured by multiple customer service agents that my application was complete and that it was a matter of time before my application would be reviewed and processed. After I learned that my application was denied on XX/XX/XXXX because of my electronic signature instead of wet signature, I promptly submitted a wet signature to XXXX within 1 day. However, XXXX still faults me for missing the XX/XX/XXXX deadline, even though I had submitted my recertification application in its entirety to the best of my knowledge and following all instructions on the recertification application given it was not written nor verbally conveyed to me anywhere that I had to submit a wet signature. Therefore it is not my responsibility nor my fault that my recertification application was signed and submitted with an electronic signature. So XXXX should not be allowed to capitalize my interest for the reason that I missed my recertification deadline in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: RGS Financial, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I sent RGS a letter, via certified mail, asking them to validate an alleged debt that was on my credit report. I dont recall ever having XXXX XXXX. In my request I asked them to provide the agreement with their client that authorized them to collect on alleged debt, an agreement that bears signature of the alleged debtor wherein he promises to pay the creditor, and complete payment history on this account so the amount owed could be verified as correct. RGS failed to supply me with any of the information I asked for and only sent me two statements.This is a negative remark on my credit report that I am reaping the consequences for and its not properly validated to prove that it is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Michael & Associates, PC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I fell behind on my payments to XXXX XXXX due to being in an accident, which left me unable to work for the past year. XXXX XXXX cancelled my accounts and sent my bill to a law firm, Michael & Associates , PC for collection. 

On XX/XX/XXXX, I received a letter from Michael & Associates , PC. They were attempting to collect my debt for XXXX XXXX and they told me they had a wide variety of payment options to assist me with paying my debt back. 

There was a phone number included if I had any questions or if I wanted to make payment arrangements. I called the law firm in XX/XX/XXXX and spoke with one of their attorneys. I told him I wanted to set up a payment plan and would be ready to start a payment plan in the next month or two. He advised me to call him when I was ready to make payments. He said he would touch base with me in about a month and that it would be no problem. 

One month later I received a letter dated XX/XX/XXXX which said please be advised that this law office is in the process of filing a lawsuit against me. As soon as I read the letter I called the office and gave my case number and asked to speak with the original attorney I spoke to the first time I called. 

I got transferred to a woman named XXXX XXXX who told me I could not speak to the original attorney. I asked for his full name and she refused to give it to me, and only offered me his initials, ( XXXX   ) and was told that he did not work in that office and I could not speak to him. I told her I was ready to set up a payment plan but the amount I told her I could pay was not acceptable to her. She said she needed at least {$2000.00} up front and then we could figure out a payment. She asked me if I could borrow money from my family or if I had Social Security. I told her that was not an option and that I did not have Social Security or any income. I explained to her that I had been out of work for the last year due to my accident, and taking care of my mother who is XXXX XXXX  and XXXX. 

XXXX proceeded to tell me that Michael & Associates , PC had already filed a lawsuit against me on XX/XX/XXXX. I checked with the court and as of today, XX/XX/XXXX, no lawsuit has been filed. I dont know how to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
this is my uncles phone number, they are calling for me i have told them to stop calling my family members just as my family has told them to stop calling but they continue to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE A NEW COLECTION ACCOUNT THAT JUST APPEARED ON MY CREDIT REPORT THAT I THINK IS PART OF MY IDENTITY THEFT CASE BECAUSE I HAVE NO IDEA WHERE THIS CAME FROM AND WHO MAY HAVE OPENED IT USING MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wrongful fees and deductions

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft and I would like to have my documents looked at and deleted.

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 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX {$500.00} XXXX {$410.00} XXXX {$590.00} XXXX {$240.00} XXXX {$970.00} XXXX {$970.00} XXXX {$330.00} XXXX {$1400.00} XXXX {$43000.00} XXXX {$22000.00} XXXX {$780.00} XXXX {$1700.00} XXXX {$850.00}

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 2018-06-06
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
1 ) On or about XX/XX/XXXX I attempted to open a checking account with Suntrust bank. I made a {$100.00} opening deposit from my current XXXX XXXX XXXX account. 

2 ) On XX/XX/XXXX, Suntrust bank stated that they could not fund my new account. On or about the same date, they returned my opening deposit in full to my XXXX XXXX XXXX Account. 

3 ) In or about early XX/XX/XXXX, I received a checking account statement from Suntrust bank. I contacted them via their online contact form notifying them that they had not opened my account. 

4 ) In or about early XX/XX/XXXX, I attempted to gain online access to the Suntrust checking account via their online banking service. On XX/XX/XXXX, they notified me that they were unable to open the account because they did not have all of the required documents. 

5 ) On XX/XX/XXXX, I received a checking account statement from Suntrust bank dated XX/XX/XXXX showing a - {$3.00} balance. The statement consisted of a {$0.00} opening balance, 0 transactions, and a {$3.00} paper statement fee. When I attempted to open the account, I opted for electronic statements. Further, Suntrust never opened the account or allowed me access to the account.

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 2021-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
US POSTAL SERVICE CERTIFIED MAIL XXXX On XXXX I sent certified mail to this company, They have received the letter but fail to respond. 
RE : Violations I pull my credit report and notice you ( Portfolio Recovery Associates, LLC ) pull my XXXX consumer report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX without a verbal or written consent from me. 

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. According to the Privacy Act of 1974 552a ( 1974 ) The purpose of the Privacy Act is to balance the government 's need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy stemming from federal agencies ' collection, maintenance, use, and disclosure of personal information. 

Because you did not have my permission to access my consumer report. Theres a penalty of {$500.00} per date you ( Portfolio Recovery Associates, LLC ) pull my consumer report. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I am maintaining a detail record of all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Acct # XXXX needs to be deleted and removed immediately from my Equifax credit report because I did not open an account with them. XXXX failed to send proof that I opened an account. Where is the contract that I signed to agree to the terms and conditions? Your company will not put any accounts on my credit report that I did not authorize. I will be filing a lawsuit against your company as well as reach out to my Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX is not legally authorized to collect debt in the state of Texas. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from  engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 
Based on the information filed with the Office of the Secretary of State, the bond for this company has been cancelled, and  therefore they are not legally able to attempt debt collection within the state of Texas, where I reside, and can not report these false negative items to the credit bureaus. Please remove this item from my credit report for all 3 bureaus asap and stop contacting 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 2018-02-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to call these three credit reporting agencies for annual credit report and they said they can't recognize me over the phone even after I told them my personal information. They refuse to send me 3 free credit reports to me. Also I tried to get approved for XXXX It secured credit card but they declined my application. I suspect that my parents ; XXXX XXXX XXXX and XXXX XXXX XXXX are using my SSN to open more accounts and they financially abused my settlement money after I turned XXXX. I'm XXXX XXXX XXXX and I try to rebuild my credit using secured credit card but I can't because of fraudulent activities by my own parents. They need to be held accountable for doing that to me. I tried to call these three companies but they won't send me free credit report information because they can't recognize me at all. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX. 
Experian - www.experian.com. XXXX  XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX  XXXX. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation