BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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:
XX/XX/2017 we tried to refinance our home with the student loan and 5/3rd home equity. We weren't able to because 5/3 reported that our home was in foreclosure. I tried several time to contact someone to help me. Final after being on hold for 3 hours and transferred to 15 different people. I finally got someone to talk to me. 5/3rd admitted my credit report was incorrect and sent me a letter. Then I started the refinance process again and was on hold with XXXX trying to prove what the letter said from 5/3rd bank was correct. I finally got the re-finance to got thru. I have a statement stating that I owe {$26000.00} and 5/3rd bank says the pay off balance is {$31000.00}. Once again i'm on hold with the bank for about 2.5 hours with no resolutions and no reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Enhanced Recovery Company shows on my credit reports with original creditor XXXX XXXX XXXX  opened XX/XX/2016in amount of {$510.00} While I recognize XXXX XXXX XXXX  I have no knowledge of Enhanced have never had any business with this company. Have never received any communication from either in regards to this alleged debt. The last 4-5 years I have been on someone else 's account with XXXX and XXXX. This is either a mistake or fraud and from all the complaints on XXXX XXXX, # 3 most complaints on CFPB 252 % increase in complaints from one year to next average of 193 a month. Some 13,800 results on XXXX  related to lawsuits I would tend toward fraud. I would have to ask at just what point do these companies get shut down and put in prison?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: KEYCORP
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Key Bank They love to charge overdraft fees. 
They charge me to they should not have charged. I called in and they did not credit me for them. They are very dishonest bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I referred my friend for the XXXX XXXX XXXX XXXX XXXX XXXX Credit Card on XX/XX/2017. American Express had a program that promised me XXXX XXXX XXXX points if that referral was approved. The referral was approved on XX/XX/2017. I've reached out to American Express many times and they keep saying to check back in a few weeks. It has now been 16 weeks and there has been no resolution. I have given them the opportunity to fix this, but they keep stalling and telling me to check back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX contacted me saying they represent XXXXXXXX XXXX XXXXXXXX XXXX. they said i owe XXXX to XXXX. I have never had an account with XXXX, even though they gave an account number.. I looked up XXXXXXXX XXXX XXXXXXXX XXXX on the net, your article came up about fraudulent charges. I have decent credit and I do not want this to ruin it. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, INC.
State: IL
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:
After sending information to verify myself with my disputes, Equifax, XXXX, & XXXX have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: CA
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 someone else info mixed with mine that has similr Name Social security number and birthday. they are taking almost a year to fix it! I did make an FTC report and police report and ID theft. and still no resulution from XXXX XXXXnd Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX  appeared on my credit report with XXXX  and XXXX stating that I owe a payday company by the name of Easy Money. The collection was placed on filed XX/XX/2018. I have contacted the company directly, and there is no loan taken out. They are not sure of why its on my credit report. I called XXXX   which is the number that shows on the report through XXXX XXXX  for XXXX, and you get nothing but a recording then silence. I researched the company as well and this is a scam. It seems to be going around with the users of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, INC.
State: NC
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 am attaching a copy of the request that I sent to Equifax and XXXX XXXX on XX/XX/2018. In the letter, I requested that the two agencies request errors on my credit report. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, HSBC bank send me a letter with the information that they will transfer the subservicing of my Home Line Of Credit Mortgage to XXXX XXXX, XXXX ( XXXX ) on XX/XX/2018. What means tha XXXX will perform all services related to my loan after XX/XX/2018. also the letter said that the only change will be where I send my monthly payments, that the transfer does not affect any of the terms or conditions of my original loan agreement. 
On XX/XX/2018 Statement with a monthly payment of {$1500.00} wish is almost 3 time the original agreement of {$530.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a unverified account on my credit report from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the account responsibly. However during that term I managed to acquire some alleged negative credit items with FICO. Eventually I look forward to the correct status of this inaccurate account and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.

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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with XXXX to XXXX, transunion drop 30 in 2 weeks and same with XXXX. I do believe that i am being unfairly targeted.

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 2020-08-03
Company: CITIBANK, N.A.
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:
I am writing in merit again to my issue with Citibank not opening a dispute and resolving the dispute in my favour despite asking for information and the merchant not respond and proving that the merchant took my funds and has not performed the work. My issue with with the charge made on XX/XX/2019 in the amount of {$7000.00} with merchant XXXX XXXX XXXX XXXX. I was contact by Citi Executive Response UNit after filing my first claim, requesting more information which I provided and they never were in touch again. To date no refund has been issued. 

XXXX is perpatrade fraud by allowing merchants to bill large sums of money and not protect there cardholder when the merchant is running a scam.

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 2018-02-16
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Someone took an Advance America account in my name they got a payday loan with my name and I had a fraud alert on my file on my credit report and they went through with it anyway without calling me to verify who the owner was I never got a payday loan with Advance America and they will not help me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 XXXX XXXX, XXXX, at Walmart ; I purchased XXXX XXXX, one yr warrantee. After the XXXX XXXX XXXX emptied, I installed a cheaper XXXX XXXX ink cartridge and working very well until XXXX XXXX manipulated my computer printer software to make it stop printing. On XX/XX/XXXX, I called Walmart and complained to XXXX at cust service and she agreed for me to bring it back to replace or refund, but on XX/XX/XXXX, I was at the Walmart with the printer in the original box, Mgr XXXX XXXX refused and pushed my cart of printer out of Walmart. I called 3X at XXXX, but refused to do anything. I complained to XXXX 3X, but of no avail. I then used my Walmart CapitalOne Credit card to purchased an XXXX $ XXXX, because of additional money I used on the XXXX, and XXXX in addition to the printer cost I paid ; I want to recover. CapitalOne requested all those documents I got in solving this problems which I complied hoping for them to stop billing me, but they didn't and still billing after I put a lot of effort into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Once again FNBO has accepted an application in my name. Even though there are fraud alerts on my credit bureaus. This is 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 non-monetary relief
Consumer complaint received 2023-01-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
All completed documents and approved for mortgage XX/XX/XXXX ready for closing. XXXX I received notice that property was not available due to fraud. I received notification from lender on XX/XX/XXXX that my application was denied due to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: EQUIFAX, INC.
State: NY
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:
IVE BEEN DISPUTING INFORMATION REPORTED ON MY EQUIFAX REPORT FOR ALMOST A YEAR WITH NO SUCCESS BECAUSE THEY KEPT VERIFYING THE DEBT AS ACCURATE INFORMATION. I HAVE NEVER OWNED A XXXX   CARD ACCOUNT AND THIS IS A FRAUDULENT ACCOUNT. IVE ALWAYS DISPUTED THIS ACCOUNT AS NOT BELONGING TO ME. I HAVE NOW COMPLETED A FRAUD AFFIDAVIT FROM THE FTC TO ALSO HELP WITH THIS DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off a few years back and fell 2 months behind. I've been keeping up with payments but can't catch up on the 2 past payments. I wrote letters asking if they can put the owed balance to the end of my loan. They never answered back and keep adding charges. I'm up to XXXX in back pays. They also never sent me a mortgage coupon booklet for XX/XX/XXXX so I continue paying what I paid a month for XX/XX/XXXX. They're not helping me at all. I'm in desperate need of help. I am supporting XXXX kids with no help and it's impossible to catch up with all these penalties. Please help. My loan is with pnc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After sending information to verify myself with my disputes, XXXX, XXXX, & Transunion have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.

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 2020-05-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS, Select Portfolio Servicing, purchased my mortgage from the previous lender ( XXXX, XXXX XXXX XXXX ) in 2019. SPS is conducting activities during the payment process designed to deceive the customer, and to cause customers to incur additional fees because of SPS ' intentional delaying tactics. 

For example, they will not permit me to log in to pay my account until I receive a " verification email '' from them. This is the procedure I have had to endure each month when I try to make my payment, for the past nine months. 

They say on their web page : " We'll send your code to the email address listed below. Please verify this email and click Continue ... ... Allow time for the email to be sent. We will send it immediately, but other factors determine how quickly you will receive it in your inbox. Be sure to check your SPAM folder if you have one. If you waited but never received an email from us, please contact customer service. " After this page is published they then fail to send the email, at least not until after the online session times out ( Screenshot attached ) or you call customer service and wait on the telephone for an extended period of time, last time was about 40 minutes. Then when you do get a customer service representative on the line, they tell you it is your fault because you " cleared the cache '' on your computer, and that by doing so you have removed their capacity to recognize the computer you are using. As if they have the privilege of determining which compute I might use to make my payment, or how I should operate it! Outrageous! 

As of this moment it has been just over 35 minutes since I received notice at their website that I should check for an email, and none has arrived. 

They are trying to generate late fees and service fees by this tactic, and it is simply fraudulent. So far I have managed to spend the time each month to comply with their foot dragging, but it is infuriating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX- requested a payment due date change. Never responded to my request.XX/XX/XXXX- Told me I had to go 30 days late before they would assist me with payments. Called 1 day after due date and was told that was not policy and they would have helped before then. I requested the late payment be removed from credit report and they said they would have manager call. Toyota called 1 time and I called back. No one returned my call. I attempted 5 more times with no one helping or returning my calls. Was told they could listen to the original recorded call and correct my report if that was said. Will not call me back.XX/XX/XXXX requested statements from XX/XX/XXXX and XX/XX/XXXX. I believe the due date was incorrect 1 month. Ignored my request.

XX/XX/XXXX attempted to make a payment at XXXX on XX/XX/XXXX for a loan thats due XX/XX/XXXX. Website now says will not accept weekend payments. I have made many prior weekend payments without issues. System changed my date to XX/XX/XXXX and now will be late. No noticed was ever given they no longer accepted weekend payments.

XX/XX/XXXX- found my husbands ex-wifes parents phone number on my account. I googled the number and they came up. They are obviously calling people that have NOTHING to do with this account. Where and how did they get it??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a certified letter on XX/XX/XXXX to XXXX for them to provide validation for accounts that are appearing on my credit report. I received a letter from XXXX on XX/XX/XXXX that included a copy of my credit report and no proof that the account belongs to me. This is my second attempt and I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the accounts listed below : XXXX XXXX XXXX Navient XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract to all accounts posted on my credit report. If the accounts are unverifiable they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to money stolen from me by my ex-husband and son I became late with mortgage payments. I applied for a loan modification but was denied by Carrington Mortgage Company. I met with a Maryland state mediator and an attorney for Carrington Mortgage Company since I was denied a modification and my place of business was closing. I entered the loan repayment plan because if I did not I would lose my house because the mortgage company said a temporary reduction in salary or temporary loss of employment would automatically disqualify me from remaining in the home I purchased 25 years ago. The loan repayment plan requires that I make a payment of 5100.00 a  month for six months. My initial monthly payment amount was 2100.00. Prior to entering the repayment plan Carrington Mortgage was holding ( XXXX of my money in a separate account because they said it was not the total amount of money I owed for a payment before entering into the loan repayment agreement ) During the mediation meeting in XXXX between ( myself, state mediator, and attorney for Carrington Mortgage ), I was told that I could use the {$1800.00} toward one of the {$5100.00} payments, I would just have to call prior to the payment and make a request to use my money they are holding toward a future payment. I called in XXXX and requested to use that {$1800.00} toward my XXXX payment. When I called in XXXX to make a payment minus the {$1800.00} that they were holding I was informed that I could not use this money until I completed the repayment plan. I was also informed that no supervisor would speak to me and that they did not have to provide me with any documentation reflecting that they have the right to hold my money and not use it toward a mortgage payment. Carrington mortgage is holding my money and refuses to apply it toward a mortgage payment. I have two more payments to make. Due to a decrease in work hours and no overtime pay I do not know why the mortgage company refuses to allow me to use the $ XXXX towards my XXXX payment as agreed to verbally during the mediation meeting. Why should the company hold on to money and not apply it toward my monthly payment since I am going through a hardship. So far I have made 4 out of the six payments I agreed to pay.

Company response to consumer: Closed with explanation