BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Fifth Third Bank did not apply my payments to the right account, then tried to charge me late fees for their error. Towards the end of the loan Fifth Third bank REFUSED to accept my payments, offering numerous excuses as to why : it was short {$0.00}, my payment was coming from a different account then previous, my husband wasn't on the account so they wouldn't allow him to make a payment, etc ... Once I got them to start accepting my payments again I was then informed they put the loan into a repo hold until I paid the loan in full, all the while still accepting my payments. I paid the loan off since I wasn't given any other option, only to have Fifth Third bank still send wreckers to get my vehicle! I called daily and Fifth Third would not accept my calls, seriously. When I would call I entered either my phone number, account or SSN when prompted and would get disconnected immediately. But I could get through if I entered as a 'guest ', and even then would still get 'disconnected ' when they would transfer me. I had to get my bank involved to demand Firth Third send the title.

I was living in fear, was bullied by this lending company!! One of the specific reps they would transfer me to would yell at me, laugh and tell me she didn't care if it was there fault, that Fifth Third WOULD repo my car even though I was making my payments and there was nothing I could do about it other than to pay the loan balance in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Paypal credit advertised 24 equal monthly payment plans with 0 % interest on XXXX  purchases. I purchased a mobile device from an XXXX  seller named XXXX on the XXXX ofXX/XX/2019 for the amount of {$870.00}. Thus, my monthly payment should be XXXX = XXXX and my current balance should be XXXX, +/- 1 month. 
Since XX/XX/2019, i have been paying more than my minimum payment in order to pay off my expiring promotional offers. However, instead of applying the addtional payment amount towards promotional offers that are due to expire first, paypal has applied the additional amounts to balances that were advertised as 24 equal monthly payments. 
Attached are 2 screenshots ; the first with upcoming expiring offers and the second with the above described transaction.

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 2019-05-29
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX of XXXX Chrysler Capital had my car repossessed. All of my belongings were in that vehicle. So I called later on that month to let the finance company know I would not be attempting to get the car back. At no point during the conversation was there any mention of where my belongings were. I called the office of the president to find that information out and they were not able to provide me any of that information. When I contacted Chrysler Capital again at  the beginning of XX/XX/XXXX, I was informed my belongings had been sent to a recovery company, XXXX XXXX XXXX and spoke with their claims manager. The claims manager informed me that after an investigation was done into the where abouts of my belongings, my belongings were discarded. The reason they were discarded was because the recovery company never received a personal property letter from Chrylser. When I reached out to Chrylser ( or  Santander, as it was interchangeable every time I talked to them ) I was told that it was not their responsibility that my items were lost even though they were supposed to send a personal property notice to the recovery company so that they would be able to reach out to me. I feel that Chrysler Capital is very much responsible for the loss of my property as they did not send the property notice to the recovery company as they had been instructed. My loss of property totaled close to {$1000.00} and therefore they owe me for what was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Yesterday on the XXXX of XX/XX/2019 I spoke to a customer service representative at the American Express serve customer care center at XXXX XXXX. 
this customer care representative looked up my account card number XXXX XXXX. 

I informed him that there was a fraudulent transaction yes it was declined but it was on it was it was it was in the email notifications that I got not linked to the transactions on the phone system or the online system I couldn't feel it but it wasn't I got an email notification. 
after I inform you of this I have asked him to can't close the card and issue a new one unfortunately said there was a fee I disagree with that that I should have to pay that fee because process the change of a new card because it wasn't my fraudulent charge so he put a temporary lock on the card so that that merchants couldn't try to use it again that does not satisfy what I want as an outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I started a refinance w/cash withdrawl. There were numerous issues with me viewing loan docs so the officer sent then to my door via XXXX XXXX without asking, no signature required. The package left on my step contained every bit of information to assume my identy in it. This upset me and when speaking to the loan officer I was offered an apology and that wasn't not their normal practice to ship like that. At this point I just wanted the person who dropped the ball off my loan but I was willing to continue. Along this same time I was receiving multiple calls from the appraiser pushing me to schedule. Mind you I had not paid my app fee or even recieved loan documents to review before paying a {$960.00} non-refundable non-transferable fee. At this point ( beginning of XXXX ) I ended the refi and told them I would be going with someone else. The loan was not canceled it was sent to the underwriter. Because of this I was receiving emails urging me to long onto an account the I could never access in the first place to view non existant docs and even one saying since I hadn't logged in to view them they would be sent to my home again. I contacted the officer and begged nothing be sent, I heard no response and was told " we can not confirm nor deny there is a package with you information heading to your home ''. I filed complaints with PNC, 7 or 8 so far and on the XXXX of XXXX my refi was finally cancelled. This was after receiving mail that was telling me all that I had to get done before my XX/XX/XXXX closing. Not once have I recieved my callback in 24hrs like PNC promises. I made at least 10 different calls, waited on hold, and was told the issue was resolved. Currently, I am awaiting a call back from the representative handling the case. I last spoke to him on the XX/XX/XXXX where he had told me about the underwriter. I asked that my loan be transferred to another back due to their negligence and refusal to resolve the issue. I was told this was unusual but he would try. I asked for a callback by fridayXX/XX/XXXX he said no, I asked for a callback in a week ( XXXX ) he said he would try his best. It's now XXXX and I haven't heard. Throughout this process PNC has been unprofessional, dismissive, and down right rude to me. Like leaving me on hold for 5 mins, checking in, the 5mins of hold to tell me the dept I needed to speak to was closed. This entire ordeal has cause me tremendous stress about identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Automatic Data Processing, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX have my employer taking {$350.00} from my paycheck totaling to the amount of {$1500.00}. I never received any documents in the mail and all of sudden the money has been garnished from my payroll. This is against the law. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.

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 2018-04-03
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX my home and property was seriously damaged by Hurricane Sandy. All my savings went into repairs and I lost income due to all the time needed to handle the mess. My, then, mortgage company, XXXX XXXX finally granted me a modification in XX/XX/XXXX but they increased my term to 40 years. I was not happy but I accepted it to just move on. 

In XX/XX/XXXX, XXXX XXXX sold my 40 year loan to SLS ( Specialized Loan Servicing ). On the first statement from SLS they requested {$400.00} over the original mortgage amount within days. When I contacted them to ask questions they told me I had to pay for escrow. ( In the past any escrow funds have always been charged with options being either lump sum or 12 monthly installments added to the mortgage. ) SLS said I must pay it ALL and the only option to make the deadline was a XXXX XXXX payment. They did not accept any other electronic forms of payment. 
Upon further research I found that XXXX XXXX can prove the funds were sent but not that they were received and many many people had complained that SLS was not posting the funds to their loans. Despite many conversations with the company they refused to offer any other options and I was unsure how to proceed. 

Experiencing how they deal with their customers was scaring me quite a bit, so I contacted a colleague whom works for a Law Firm that specializes in these sorts of situations. He helped me craft a complaint to the NY XXXX XXXX Court for breaching the original mortgage. 

For many months SLS repeatedly claims that they are unaware of the lawsuit even though I have the docs stamped by the court and they filed for a dismissal. They refuse to discuss any of it. 

Finally, in lieu of continuing on the legal front I hoped to obtain a realistic modification with hopefully a reduction in years/interest. A few weeks ago I submitted all the docs for modification and on XX/XX/XXXX SLS  sent a letter denying me any assistance. 

Please assist me in obtaining a qualified rep with SLS to discuss all the above mentioned matters.

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 2020-11-23
Company: WELLS FARGO & COMPANY
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  refuses to remove the wellsfargo fraud account thats being reported on my file

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 2020-11-18
Company: EQUIFAX, INC.
State: TX
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:
A few years back we entered into an agreement to have my student loans reinstated and have a payment plan. Part of our agreement was to have the late payments removed from my accounts and updated with all 3 credit reporting bureaus. This was never done despite us following through. This is now negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Blakely-Witt and Associates, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They said I owe {$2500.00} from a form apartment. I contacted the apartment, they said i owed yet they never sent a mail to say i was owing. I stopped arguing but then when i asked if I did, how do I pay, they went silent. Then i called the company many times but no respond. So even if I owed money, i have no way of paying to get it off my report. I just when it off the report, I don't care if i was owing, i know I don't, but I'm tired of arguing. Please help to take it off my report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: SUNRISE CREDIT SERVICES, INC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from Sunrise Credit Services on XX/XX/2019 in regards to a past due Bill I have. I spoke with an agent around XXXX EST. I asked some clarifying questions in regards to credit reporting on my account. He responded with some very vague answers and then tells me that I NEED to pay my bill. I then question him telling me what I need to do and he responds back by saying he didn't say that, that he said I recommend you pay your bill. He flat out lied to me about that as the agent said I NEED to pay. Which is very misleading and confusing and deceptive by telling me I need to pay my bill. 
As he never asked if I was disputing it which I am The agent then proceeds to tell me that I am wasting his time and hangs up on me. I am very concerned about this behavior and being told that I need to pay my bill and how rude and abusive he was on the phone for lying to me and then trying to cover it up and the fact he hung up on me after saying that I was wasting HIS time. I feel very mislead and abused as well as misinformed by this agents actions.

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 2019-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am the victim of identity theft along with my wife through XX/XX/2019 and XX/XX/2019. I can not get a hold of a single person at this company. Someone has created a fake XXXX email address in XXXX and created an account at experian. I am trying to get it removed, get my account reset, and access my information and can not reach a live person AT ALL. Their online service just directs me to make a phone call and the automated service just directs me back to the website!!!! I have tried everyphone number I could find for this company including the client number. I can not get live help with this! These people are holding my information XXXX and have given it up to the wrong party. 

I attempted to go through traditional mail and received no response and I have multiple things I need to dispute! 
Someone has my AND my wife 's SS numbers, Address, Phone number, bank account information, credit card information. I need help ASAP. This is the only company of the 3 I can not get a hold of and this is the one that is compromised with the fake accounts! 

I have also tried to called XXXX to have them report or delete the fake email accounts and they told me to contact Experian ... 
I have FTC reports, Police Reports, and credit reports from the other 2 bureaus.

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 2018-02-26
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Am late on a student loan payment which I just have not done the bills yet and it is under 30 days late. Navient gives my information to XXXX XXXX and they call every hour at least. I already told them it will get paid and to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: FIRST FINANCIAL SERVICES, 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/2019 I received a call from First Financial stating that I had a past collection from a company named XXXX of XXXX. They provided me with all of my personal information such as full name, date of birth address maiden name, etc and stated I could settle this balance for a payment of XXXX. They also included that I had an available open balanced credit card to put it on and that they would only be able to do it today so my credit score wasn't affected. I was in a panic because my husband and I were in the middle of purchasing our new home out of state so I paid the XXXX. 

Come XX/XX/2019 a different collections company called me stating the same exact thing.. 
I owed for a past XXXX account, I owe monies,,, etc I explained to them that I had already settled but had no documentation ( only cc statement ) and they proceded to get pushy saying it wasn't fulfilled with them, I need to pay today or it will affect my credit ... etc etc. I don't remember this company 's name ( papers are packed somewhere ) but I wasn't paying twice. So I tried to contact the company who called me first, First Financial and can not get anyone on the phone. Goes to a generic automated voicemail. 

Called XXXX XXXX XXXX and explained that I had a fraudulent charge ... I had to write a letter stating my concerns. They took the XXXX off my account due to fraudulent investigation. As on XX/XX/2019 my card company placed the XXXX back on my card with the explanation of they are satisfied with what First Financial provided. I can not get a hold of that company whatsoever and that is all my CC company is providing.. Now here I am filing a claim,,

Company response to consumer: Untimely response
Consumer complaint received 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 2019-05-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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 have dates, Times /Names. police report file day of fraud HAVE TIME DATE/ PERSONS CONTACTED at Citizens Bank credit card dept names dates & Time & phone # s from XXXX TECH team that originated the FRAUD from my XXXX XXXX XXXX Need physical form to complete & Send back certified mail I HAVE PAGES OF DATA SUPPORTING THIS CLAIM i WOULD LIKE TO SEND VIA CERTIFIED MAIL OR fax FORR ATTACHMET IN SUPPORT OF THIS VALID FRAUD CLAIM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Harpeth Financial Services, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I called the company on XX/XX/2020, spoke with XXXX to provide information regarding my new job. I also asked if I could change my withdrawal date since my paydays had changed. I was advised to send over a check stub once I received one and it would be processed. I was told my payment would be adjusted for the upcoming payment and I would have to call in to make that payment, which I did. I called back on XX/XX/XXXX to verify my check stub was received, and I was good to go for automatic drafts for the next bi-weekly payment and I was assured it was. The XXXX of XXXX, the payment came out correctly. However, another payment came out on XX/XX/XXXX. When I called to verify why, I was told because my check stub was not attached to my account. Thatv made no sense because we verified on the XXXX the stub was there and on the XXXX the bi-weekly payment was automatically drafted as it should have been. I was told the payment was adjusted again and I needed to call in again to have the payment adjusted again. But that's not what XXXX told me. By the way, I kept getting the same representative each time I called in and he was extremely rude this last time I called. I asked could the erroroneous payment they pulled from my account on XX/XX/XXXX be reversed and he said no. I asked for a manager, he said one would call me by end of day XX/XX/XXXX and they never called. I called back to the company that day to withraw my electronic consent. They need to be investigated and fined for not following Reg Z and Reg E.

Company response to consumer: Closed with explanation