BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been having trouble with Fifth - Third for the past three years. At XXXX point, they were fraudulently trying to foreclose and only through contacting EVER BOARD MEMBER we could locate through email did we finally get help. We have asked for loan help only to have our payment lowered XXXX a month, and we were told we no longer receive monthly statements, and after several requests for an amortization and payment booklet or SOMETHING showing our details, we have n't received anything. We were also given a direct address to send payments to only to have them sent back 2-3 weeks later saying they did n't know how to apply the money?? In the meantime, they 're saying we are in default. This is the SAME EXACT THING they did to us less than two years ago. How do we stop this and get the information from them that we need? We also have yet to receive our paperwork for our taxes this year. Thank you for your time and help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I tried to temporarily lift a freeze that I have on my credit report due to job searching. 
I tried doing it online but I never received the 6 digit code they were to send me. I tried this severl times. When that did not work I called twice and was instructed to go to the web site which was not working for me. I tried to get a representative but was told that none were available. They make it so difficult, I had no problem with the other bureaus. Experian is just antiquated and their web-site just don't work. I hope the delay in this temporay freeze lift does not have a negative impact in regards to the job that I am trying to get.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-23
Company: EQUIFAX, INC.
State: HI
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:
Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Residential Credit Solutions, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Residential Credit Solutions XXXX RCS XXXX failed to pay my homeowner 's insurance out of escrow last year. The due date for the insurance premium payment was XXXX/XXXX/14, they did not pay until the end of XXXX. Because of this, for approximately XXXX months last year, I did not have coverage on my residence. I had to go through an insurance reinstatement process after RCS finally paid the premium. The same issue happened this year. The insurance premium was due on XXXX/XXXX/15. As of today XXXX XXXX/XXXX/15 XXXX, the premium has still not been paid even though I pay into escrow for this. I have not had insurance coverage since XXXX/XXXX/15 because of this. Today I had to pay {$370.00} out of pocket to re-instate coverage and also had to sign a Statement of No Loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
It was impossible to keep my account balanced. Some day would be 3 days behind and some would be right away. Sometimes would show transaction but not deducted it from the available balance. There was never the correct amount that it was suppose to be. It was a joke that on Tuesdays dont check the account because it is never correct. We closed our account because this would alway happen and we would get over draft charges. We paid countless fees over the time we had Wells Fargo, so much we dont even know how much was accumulated. At branch tried to recover overdraft fees with no resolution so we chose to close our accounts and take our business elsewhere

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 2018-04-23
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a recent graduate of XXXX XXXX  University with degrees in XXXX  and XXXX XXXX. Upon looking for a job, I submitted my resume to XXXX. Approximately three months later I received a legitimate email including a questionnaire inquiring about the type of work environment I would be looking for and my target salary. Less than a week after this legitimate email ( ending inXXXX ) I received an email from someone posing as a " XXXX XXXX XXXX '' who I researched to be the director of HR at XXXX. She held a " soft interview '' on XXXX hangouts with me - asking similar questions to the questionnaire I had received prior. Then I was asked to scan my signature on the " acceptance of employment '' letter and email it back to her. The job was to start in two weeks from the false notification of employment in XXXX XXXX, Va, where an actual branch of XXXX is located. The next day " she '' sent me a " start-up check '' for {$1800.00} to purchase scheduling software that would go on my " work computer. '' The software was called " XXXX '' and " XXXX '' which she said could only be purchased through XXXX. I researched the software and the cost matched with the amount of money I was sent via check. The check deposited into my account ( for the full amount ) so I had no reason to doubt the legitimacy of the job offer. I purchased XXXX credit with the money I was sent and emailed the information to the person who instructed me to do so. I was told this credit would be used to put the software on my work computer. This check cleared on a Wednesday. After I purchased the software credit, I sent it to them and the check bounced on that Friday - leaving my account at - {$1800.00}. This is when I realized the job offer was a phishing scam. Because the check deposited to my account and I was given access to the full amount of funds in 24 hours, I blame PNC Bank for allowing a fraudulent check to be deposited in my account before it cleared. If they had done their job : the service of validating and safeguarding financial assets, this issue would never have occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
opened two business accounts at Bank of America online I order two cards one for my primary account the other an employee card for the secondary account however I added funds to the secondary account and it automatically without authorization or knowledge went into the primary account I called and spoke with a representative and was told the cards are attached to appropriate accounts and that I may have made an error with deposit into wrong account after further issues being the same I called in Again and was told on XXXX XXXX XXXX XXXX that both cards was attached to the primary account and that funds have been used from my primary account every time the my employee swiped their card my account was notated and I was told the issue was resolved however upon further issue I noticed the card was still attached to my primary account and my employee was able to directly have access to my business funds via XXXX atm and any other means and I was told by the bank that they cant issue my money back and that I can file a civil suit this has caused a great deal of stress both financially and emotionally and I just want my money back. As a response to complaint filed on XX/XX/ they totally disregarded the request for information and refused to address the individual complaint at hand that had absolutely nothing to do with their response in efforts to minimize responsibility

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-16
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 I reached out to Pen-fed Credit Union to refinance my VA home loan for a cheaper interest rate and also a 15 year mortgage. I spoke with XXXX XXXX in regards to refinancing my VA loan and he explained what the minimum credit score and debt to income ration was.

At this time I checked my credit score and I meet the requirements of the bank and the the VA requirements to refinance my mortgage. The next day I lifted my credit freeze and gave XXXX permission to review my credit for a refinance. 

When I called him back he said oh your 2 credit scores are ok but one of them you are off by a few points. I personally feel that he lied to me because I had checked my credit the same day and I meet the qualifications to refinance my VA loan.In fact the VA only requires a XXXX credit score and I was we'll above that., I personally feel that Pen-Fed loan VA loan originator discriminated against me. He never sent me a letter in the mail showing my credit score and nor did he send me a letter stating the reason in which my refinance was denied. 

I personally feel that above mention gentleman alone with Pen Fed Federal credit Union Violated the Federal Housing Act.

1. Discrimination in my getting a mortgage, seeking housing assistance, or engaging in other housing-related activities.

2. Discrimination against a 100 % XXXX military Veteran 3. Lied about my credit score 4. Failed to send me a letter in writing explaining why I was denied refinancing my VA loan 5. Unfair and unprofessional housing refinance practices I personal ; ly felt that XXXX XXXX was being untruthful to me on the phone, he was speaking to me as though I was a stupid moronic person or a child. 

Address of the loan officer that works for PEN FED as a 3rd party XXXX XXXX XXXX XXXX Mortgage Loan Officer XXXX XXXX XXXX Ph : XXXX Extension XXXX XXXX TX 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
Consumer complaint received 2019-02-04
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I consolidated my loans through Navient, after being told I could apply for PSLF through them. During several financial hardships during the mid XX/XX/XXXX and again during my divorce during XX/XX/XXXX-XX/XX/XXXX, I was advised by Navient to defer and/or place my loans in forebearance. The original principal was {$55000.00} ( Consolidated XX/XX/XXXX ) and {$7900.00} ( Consolidated XX/XX/XXXX ). In XX/XX/XXXX I was told my Navient that I could not apply for student loan foregiveness thru them. At that time, I consolidated my Navient Loans with XXXX  XXXX XXXX. My total balance is now in excess of {$110000.00}. I will never be able to pay these off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX, XXXX and XXXX are the XXXX main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase notified me XX/XX/18 that my account was being closed due to a policy violation. I was told multiple times that they would not disclose why my account was being closed. I had not logged into the account or performed any actions within the last year or two so I initially thought it was a scam. After going through weeks of attempts at verifying my identity and regaining access, I realized it was not a scam. 

I am being allowed 3 days to remove my funds before they lock my account again and keep my assets. I have protested four times that they must extend this window as it is impossible to create and verify a new wallet and also because they are preventing me from sending funds due to " security restrictions '' related to the recent lock and unlock of my account. They have only replied to say that my account was closed because of " either : resetting the password, logging in to an unknown device, or connecting to VPN that changes the IP address. '' which I have done none of. 

My funds were not available or accessible to me for the last month and are still not available for withdrawal. I fear I will be locked out of withdrawing them before I am able to and that I will lose all of my assets held with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
i went in to locate 53rd bank XXXX XXXX XXXX XXXX XXXX, OH XXXX wanting a explanation on why in being charge overdraft fee, they no explanation on what chagers cause the overdraft and why i being charged {$74.00} in fees when the fee should be {$37.00}, spoke with branch manger and she talked on me like i dont keep any record on my account, ask to close my account and was told i could not close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Someone open a Walmart charge card in my name from XXXX to XXXX and it is showing on my credit report on 3 credit cards bureaus. Needs to be immediately from credit report. The account # on my XXXX credit report is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MD
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:
There are accounts on my consumer report that are on my report without my consent and are not 100 % accurate. These accounts need to be deleted. The companies are committing fraud using my personal information without my consent! I tried to dispute with the reporting companies on multiple occasions and have been ignored. Multiple violations have been committed.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

These accounts on my consumer report is effecting my life in devastating ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: U.S. BANCORP
State: MT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am paying late 2014 IRS taxes. In XXXX the IRS took out XXXX payments of {$250.00} by mistake. I scrambled to get money to cover the payments. I could not verify thedate for XXXX. There was no pending payment listed on line on XXXX XXXX. 
I bought a plane ticket to visit my family at a great price of {$310.00} on Sunday XXXX XXXX. 
On Monday the XXXX, the IRS took out a {$250.00} payment and the plane ticket was listed as pending. I called the bank and asked if they could stop payment or holdthe {$310.00} payment until Friday XXXX. The person said she would take care of it and I was lead to believe there would be no charges. I did not proceed further with the airline. 
I checked all week online and the {$310.00} was listed as pending until Friday the XXXX. Then the {$310.00} was listed as paid on Monday the XXXX and XXXX overdraft charges of {$35.00} totaling {$100.00} were deducted from my account. When I called thebank, a manager told me that the charges were normal and she would not refund the charges. The bank has a new policy that a general manager must approve refunds. If approved, the refund is sent by check by mail to the customer rather being redeposited into the account. This process takes weeks. The very high charges and lengthy refund process place customers at risk of more charges. 
I work with XXXX and donot have much money. In XXXX, I finished paying off over {$22000.00} in credit cardwith this bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-01-23
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was Notified by On Line Information Services regarding a debt from XXXX XXXX in the amount of {$570.00}. This claim is erroneous as I have never had any interaction or account with XXXX XXXX. 

This amount must be owed by another person with the same name. I have lived in the same home for 18 years in XXXX, Ca and have always used XXXX California XXXX. 

I have account information that that substantiate my account history. My name is very common, and On Line Information Services has made a mistake by attempting to collect against the wrong person.

I am requesting that On Line Information Services please provide me with documentation proving that the debt is mine and efforts to locate the correct person. Please also provide full information and the address of the location for which they claim I owe the debt. Please also include a copy of the original signed contract that allegedly indicates I have contracted with XXXX XXXX for services. 

I do not owe this debt and it is likely that another person with the same or similar name rightfully owes this money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: EQUIFAX, 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:
XXXX  has refuse to invesitgate, verify, and delete negative accounts and hard credit inquiries on my credit file negative items and inquiries are not factual data unless verified

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Have asked the bureaus numerous times to update all of my personal info ( name, address, employer ) and they refuse to remove information that is inaccurate.

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