BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the third time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee.

My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in XXXX XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX/XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello someone wrote a check to me for a job that I got and I guess the check I deposited the account was closed. I went to get my XXXX dollars out for car repair this morning and it would not let me. They closed my account because of a check that someone else sent me. It was bank of america

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 2022-08-08
Company: EQUIFAX, INC.
State: IL
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30-60 days gives a reason to immediately remove those items from my credit report it has been over days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
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 tried now for months to handle this on my own. I have gone to Citizens bank and they don't even want to sit down with me because the account is closed. I tried XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX. I have also called numerous times same dates because I would go into the branch they would give me number because, " they were unable to help me '' and I was on the phone for hours transferred to multiple times all while getting no where. Then one day recently XX/XX/XXXX I called to be transferred to 6 representatives when I finally got a nasty man XXXX XXXX agent number XXXX. That was a 4 hour conversation where I was transferred 6 times and they said there is nothing they can do because the account is in my name and closed. 

Back in XXXX I started working for XXXX XXXX, owner of XXXX XXXX XXXX  and XXXX XXXX XXXX, in XXXX XXXX. I was doing mostly office work helping him collect on past due accounts, I was in charge of payroll, ( Which never happened ) scheduling and sometimes I would go out into the field for estimates or to do work. He had mentioned to me that he was going to add me on the " XXXX Bank account '' and make me a signer because we were getting into situations when he would want me to write checks and I told him I can not because it is not my account. Then one day in XXXX we went into a XXXX bank and we did just that, made me a signer. I made it clear on multiple occasions I just wanted to be a signer. That day when I was added XXXX account was already negative, I said this seems like a bad idea I don't want to go on this account as a signer when it is negative. He said a customer had written him a check and it will be handled. I believed him. 

Now fast forward to XX/XX/XXXX I have never written any checks out of that account nor did I ever have a debit card with my name on it. My issue is this was his account it is negative because of his negligence not mine. I had a XXXX XXXX XXXXXXXX account for 19 years which now is closed and purged because XXXX XXXX wrote and deposited checks into my account and they were bogus. I have already filed charges against him and had to get multiple police reports because this man stole my identity and ruined my life in just under a year. He is now being held at the XXXX XXXX  XXXX XXXX where he is facing multiple larceny, stolen identity, and forgery charges. 

I need help resolving this issue so I can begin to get my life back. When I met him I had an XXXX credit score and the same bank account for 19 years. My credit score is now under a 5 and I am unable to get a bank account because of him. He also opened a XXXX account in my name which had multiple checks deposited and it was left negative and purged. He opened that without any of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$1400.00} by ATM in my Fifth Third checking account on XXXX XXXX, 2020. At the time of deposit, my account had a balance of $ XXXX. As is customary, {$100.00} was made available to me upon deposit but due to the overdraw, only {$91.00} was confirmed available based on the printer receipt I received. Later that evening, with verification that those funds were available, I made an ATM purchase for about {$20.00}. 

The next morning, I checked my balance and found that it was now - {$28.00} and the deposited check had not been posted to my account. I called the bank to see why the check had not been deposited and the {$20.00} withdrawal was showing as an overdraft when the bank receipt had shown {$91.00} available after the deposit. 

To my surprise, I was informed that the bank had placed a 10 day hold on the check and that 'it didn't realize ' the hold would be placed on the deposit so the info that was printed on the receipt was moot. The bank further explained that, although the check is clearly written to me from a major company ( AAA ), even after they verified the legitimacy of the check and availability of funds from AAA, they would not release the funds prior to 10 days, essentially they were free to arbitrarily hold available funds that a legitimate payer intends for me to receive for 10 days for no other reason than they can. 

I am deeply concerned about this policy not only because I need access to those funds to feed my family and pay bills amidst the pandemic, but because there have been several banks that have been sued under class actions for policies and practices in which they hold customer funds or delay debits as a means to negatively effect consumer accounts as a means to collect additional fees. This case sounds just like that in that the bank supervisor with whom I spoke confirmed that, irrespective of how quickly the check from AAA was verified, Fifth Third would not release the funds to me before 10 days. Again, this type of random application of policy that generally harms consumers and does little to protect banks from fraud seems particularly unfair and egregious during a pandemic when family 's like mine need access to the little money they have available to sustain essentials like food, heat, and internet access for virtual school.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have recently lost my job and contacted Shellpoint Mortgage Servicing about any programs/options they may have to assist me. 

My first contact was shortly after I became unemployed on XX/XX/2018. In this conversation I was informed that there was a pay for two months, then defer two months payment. 

My second conversation with Shellpoint Mortgage Servicing on XX/XX/2018 led me to first believe that there were NO options to provide me that would help ease the pain and stress of being unemployed. 

Once pushed, I was forwarded to another customer representative to discuss the options which suddenly became available. The options available are for a 3-month forbearance which will become 100 % due on the fourth month. The fourth month would require 4 whole payments at once!

I do not believe this is a viable option that would be of help in relieving the financial burden during a period of unemployment. Having to come up with 4 months of mortgage payments after having been unemployed adds to the financial stress caused by the disruption in income.

When asked about the original offer of deferring two months after having made two months payments, the customer service representative told me that my financial backer, XXXX XXXX   does not participate in that offer. 

I am having a hard time believing that there are no viable options that would be of benefit to helping a customer out during a time of financial burden.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have store credit cards through Comenity Bank. They continuously decrease my credit amount resulting in decreasing my credit score. When I get my balance paid down, they decrease my credit amount which decreases my credit score by increasing my credit to debt  ratio. They have done this to me on many occasions. I have called them raising concerns, but they tell me it is due to my low credit score which is actually is a result of their actions. This is not right. I have worked hard to try and increase my credit score, but they have made it impossible by their shady practices. If I could do it all over again, I  NEVER would have opened these accounts with Comenity Bank if I knew how they conducted business. I can't wait to pay them off and close all of my accounts. BEWARE OF THIS COMPANY. They will rip you off and destroy your credit. In addition to the bad practices mentioned above, they will call you 10 times a day from 4 or 5 different phone numbers if you are even one day past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Fraudulent XXXX XXXX XXXX XXXX with Lasting Consequences. A Fraudulent Sale, with No Inspections, therefore No Occupancy Certificate could be issued. The inspection document is blank. Three major water intrusions in the home from point of sale to the last intrusion which resulted in forclosure because I could never really live in the home. All information was hidden to the reasons for the flooding into the home which only occured during heavy rains. Major mold condiitons condiitons exsisted and you could see and smell the problem. California has been under drought conditions currently and in the past years that allowed them to get away with it. I knew that they where a group of the most dishonest individuals I have ever been involved with but could not prove it until many years later in 2018. My XXXX XXXX XXXX walked away from 8-9 claims that I filed and they ended up suing the builder themselves so they withheld information that would had been helpful to me navigating the condiitions I was involved in. Wells Fargo who was the lender on site that you had to get pre-approved with which was condition of the sale of the home with this builder at the time. Wells Fargo closed there division later doing homes with builders. XXXX XXXX  was the builder that had lots of problems with this subdivision and others. XXXX XXXX to search the many cases. They built in other counties also so that search would change. 
I filed complaints with XXXX XXXX XXXX XXXX, Department XXXX XXXX XXXX, and hired an attorney who was useless. The XXXX XXXX Attorney was involved originally which I did not know at the time. I have a full Chronology that I would like to submit & upload. I have other documents that the system does not allow me to upload as they are sitting in email ( outlook XXXX let me know how to send by email. Please let me know if you can help! 
**XXXX  is currently involved with a case playing out in a court of law in XXXX that is surrounds fraud.

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 2020-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, I noticed a series of fraudulent and abnormal charges on my debit card for what appears to be cryptocurrency exchanges that I did not authorize. Some of these charges were blocked and two separate charges were cleared and, since this is my debit card, the funds immediately withdraw from my checking account. The two charges are {$3000.00} and {$1000.00}.

Upon noticing, I immediately contacted Bank of America 's fraud team to report the fraudulent activity, review my account and filed a claim. I shut down the card and they are issuing me a new one. It is a very stressful and taxing process to try to get ahold of anyone at Bank of America over the phone. After waiting for more than 20 minutes to speak to someone, the rep basically told me that had I been monitoring my online banking daily, I could have called and notified them before these transactions were able to be processed which, while I will certainly do going forward, is unacceptable.

The rep I spoke with at Bank of America said that the transactions received approval via text automation which I did not do. I have no idea how someone could have stolen my identity in order to do this so I have also contacted my wireless carrier, put a freeze with the credit bureaus, and am in the process of filing a police report. I am doing a lot of research on resources to effectively handle this and am shocked at the level of technological sophistication scammers operate today. 

I am a recent college graduate with significant student debt, rent expense, am saving for graduate school and am also assisting to support my family financially. With COVID, my income has been severely impacted and as a result of this, I can not pay my next month 's rent or even cover basic living expenses.

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 2018-04-16
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: Their investigation did not fix an error on your report

Complaint:
I contacted all three companies bureaus transunion, XXXX, and XXXX on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with XXXX credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with transunion, and 10 points with XXXX, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with XXXX XXXX XXXX as well. They are also reporting accounts which have been resolved with XXXX XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.

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 2020-10-16
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Through numerous phone calls to GM Financial, I am unable to get a copy of the contract or anything in writing from them. 
My car was totaled and my last 10 payments add up to XXXX. I owe from XX/XX/XXXX to XX/XX/XXXX. 
Upon attempting to pay off the car GM is trying to get {$4400.00} from my insurance company. With no explanation other than it's interest.

GM also refuses to account for over 2 years of payments in which every month I paid {$350.00} instead of {$340.00}.

Usually when you pay a car off early it's cheaper, not more expensive. Can someone please help me as GM is obviously trying to take advantage of it's consumers and refuses to communicate via email. GM will only communicate via phone and I get a different answer every time I speak with someone at GM. This time I am trying to deal with the " total loss department ''. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been asking the credit bureaus to delete these unknown addresses on my report since XX/XX/XXXX. 

Equifax has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I need them deleted off of my credit reports they do not belong to me. Not my primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: CT
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 sent a letter to all three of the credit bureau on XX/XX/2021, and have not heard anything back from any of the three. Its been over 30 days which now make me feel as I am not liable for the debt and it need to be removed.

Company response to consumer: Closed with explanation