BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After a forbearance period in XX/XX/XXXX, I contacted my point of contact, XXXX XXXX, on XX/XX/XXXX at Shellpoint/ Newrez and let her know that I still hadnt found employment. I was told on a recorded line that I would be put on a traditional forbearance that would allow me 3 more months to find unemployment and we would touch base after the 3 months to see if there were other options available if I still hadnt found employment. In XXXX I received a late payment for XXXX. I tried contacting XXXX to find out why I was receiving a late payment if I was on forbearance. To this day, XX/XX/XXXX, I still havent heard back from XXXX. I was informed XXXX that she moved to a different department 2 days after our conversation on XXXX. However, I ended up with a new point of contact, XXXX XXXX, who emailed me that I would qualify for those months to be moved to the end of my loan on XXXX and that I could resume payments on XX/XX/XXXX, and on XXXX, I was informed by his manager that if I wait until XXXX to resume those payments, that I would be in pre-foreclosure. I have been misinformed for months, until this has taking a toll on my health. First, being late due to a foreclosure that I was told that I was under that never took place, to now being on a foreclosure because, again, I was misinformed with a clear detailed email that I would not have to resume payments until XX/XX/XXXX. All that i am receiving is apologies, but my home is at risk of being foreclosed. I am in desperate need of help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: American First Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filled out the identity theft form and provided proof that I don't live in that city on XXXX first and I also reschedule put to them in XXXX letting them know that the account was fraud and they didn't do anything. And everything I try to call they al hang up and can't give any information on what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Was not notified of investigation status or results

Complaint:
I MAILED IN MY FTC ALONG WITH CHALLENGE LETTER!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: FL
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 have been writing letters to this company for more than two years. I 've made several request for this company to  investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General XXXX XXXX are still not in place even though TWO YEARS has already passed. <P/>Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is an able account for XXXX ( the nick name is XXXX ). We closed it as they kept charging fees. The condition for no fees is to have {$250.00} which we did or/and be paperless which we were. They backdated fees for a year and refused to refund them, we have had a balance among all accounts over {$250.00} and also been paperless the entire time. There is a state fee but this is the bank fee we are referring to, not the state able account fee. The bank charged us on top of the state fee. It was unreal! They refused to refund us on this special needs account! We want our monthly fee reimbursed. We have moved all money for both our able accounts away from fifth third.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I've registered for an account online and successfully registered auto pay with them. They can't confirm the account details I used to schedule their autopayments - they say that the first payment scheduled was denied. Their online portal contains significant issues. If I attempted to register a bank account for payment, I receive registration errors. Their auto-pay service windows tells me my next scheduled payment is for XXXX/XXXX/XXXX I attempted a payment to bring the account current but the payment was immediately returned ( I can not verify what account numbers they are using because they say they can not access them but I verified them multiple times before submitting ). Their system is not reliably scheduling payment or executing payments to the account I requested to pay from. I have checked with my banking institution and they say they haven't received any payment request from Citizen 's One. They didn't notify me that my payment failed and it doesn't reflect in their online portal. I have spoken with them and am attempting to bring my account current but my biggest issue is that they are now going to report delinquent marks on my credit report for a failure of their payment services. When I spoke to them, I learned that their website doesn't successfully work with the browser I was using, XXXX however there is no messaging anywhere indicating that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: CITIBANK, N.A.
State: MS
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:
ABOUT A YEAR AGO I ASKED CITICARD TO CLOSE MY ACCOUNT BECAUSE OF CHARGES THAT WERE NOT MINE AND TO NOT ISSUE ME ANOTHER CARD. THEY ISSUED A CARD ANYWAY.I CALLED THEM TO CANCEL THE CARD AND THAT I WAS NOT GOING TO ACTIVATE IT AND WAS DESTROYING THE CARD. THEY SAID THEY WOULD. TOWARD THE END OF 2016 I GOT A E-MAIL THAT I NEEDED TO PAY A BALANCE ON THE CARD.I CALLED THEM AGAIN AND THEY SAID THEY WOULD CLOSE THE ACCOUNT AND WRITE OFF THE BALANCE.THEY DID NOT.I CALLED THEM AND ADDITIONAL TWO TIMES AND THEY SAID THE SAME THING THAT THEY WOULD CLOSE THE ACCOUNT AND WRITE OFF THE BALANCE. SO FAR NOTHING HAS BEEN DONE AND I AM GETTING DAILY COLLECTION CALLS AND E-MAILS.

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 2018-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I participate with Bank of America mortgage, which they offered ,3 month no payment plan because of the hurricane that affected florida in XX/XX/XXXX. Before participating in the plan, they had assured me that they do not report to credit agency as missed or late payments, the representative said they are doing it to help consumers.Now i got letter from them saying, I need to participate in modification plan, which i do not want to because it will ruin my credit. so i called them today ( XX/XX/XXXX ) about it, the representative at the modification place threatened me that either i need to make the full 3 month payments or participate in their modification.Otherwise, they will report to credit agency as late/missed payments.

They told me that not report to credit agency. Now they are forcing me to participate for new modification .They also not deleting my PMI ( my loan was over 5 yrs ) due to this reason. What will i do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have made a similar complaint another time. In XXXX of XXXX, someone stole my identity. They have opened an account through XXXX  that luckily I was able to close. I'm getting random calls about me applying for loans up to $ XXXX ... i went ahead and closed my bank ( citibank ) permanently all my accounts and they told me multiple times they were going to make it so I can't sign up for a account there at all. Although, I gave them the benefit of the doubt for the 4th time to do their part, I'm once again dissapointed. I got a letter from them today stating on XX/XX/XXXX, my account was overdrawn and now an account is open that i know nothin about and i refuse to pay money for something im not using. Can you please help me? When i called to talk to them they refused to help me at all ... when I told them they obviously don't care and aren't following through with what they told me multiple times. I told them they obviously aren't checking ID because if they did, he wouldn't have been able to open 3 accounts in 4 months. I don't know what else to do if the bank who is not doing their job refuses to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill was paid in full I should not be in collection

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 2022-04-06
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:
Hi, my name is XXXX XXXX and I am complaining about the XXXXXXXX XXXX account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.

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 2017-06-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the Amount of {$5600.00} XXXX XXXX, 2010 unauthorized withdrawals of {$4900.00} Check # XXXX XXXX XXXX, 2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the amount of {$2500.00} XXXX XXXX, 2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the amount of {$8500.00} XXXX XXXX,2010 unauthorized Withdrawals of {$6100.00} check # XXXX XXXX XXXX, 2010 unauthorized withdrawals of {$15000.00} check # XXXX XXXX XXXX,2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX Business account in the amount of {$3500.00} XXXX XXXX 201 unauthorized transfers from another XXXX XXXX XXXX. Business account in amounts of {$2000.00}, {$7000.00} and {$3500.00} XXXX XXXX,2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX Business account in the amount of {$4000.00} check # XXXX XXXX XXXX, 2010 XXXX XXXX Citizens Bank employe made unauthorized withdrawals from XXXX XXXX XXXX. Business Account in amount of {$16000.00} check # XXXX All checks were sent to XXXX XXXX residential in XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
During the year  XXXX , I was late paying my mortgage payment for 3 months. Prior to the fourth payment 's due date, I rendered all late mortgage payments plus all late fees. Shortly thereafter, I received a document from Bank of America indicating that unless I discuss the situation with the entity, payments rendered my not be applied to my account. I did n't discuss my financial situation with Bank of America therefore, the non-delinquent account was sent to a collection agency for recovery. Collection agency representatives constantly placed collection notices on my front door knob and rang my door bell or knocked on my door. Because I did not respond to their demands,  XXXX   XXXX   XXXX  was dispatched to my resident. The representative placed a notice on a window near the front door saying the resident was vacant. As I was observed entering the home through the garage, a second notice was placed onto the garage door. Once I dial the telephone number typed on the document, a recorded massage said ; if I did not contact that agency, someone will change all the locks on the structure 's doors. Bank of America has mishandled my loan 's escrow account. The financial institution did not pay my property taxes and insurance premium. Today,  XX/XX/XXXX , someone dispatched the police to my resident to apprehend a squatter. However, I am not a settler with no legal title to the land occupied, The police officers wrote an inaccurate and would not provide me with the name of the person whom reported the incident. During my conversation with both officers, I said, I was late on a few mortgage payments but, they were remitted. This incident report is suspicious. I will attempt to encourage the po lice officer to a mend his report.

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 2022-10-06
Company: Aldous & Associates, PLLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was charged XXXX for and apartment I never moved into. I informed the leasing office prior to me moving in that I would not be moving in. I never had a lease agreement. They still charged me XXXX for unpaid rent but I never lived in the apartment. 

XXXX XXXX NC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Second Round Limited Partnership, Austin, TX Branch
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been writing letters to this company for more t han two years. I 've made several request for this company to several times that I be provided with a copy of the complete payment hisotry, proof of agreement which bears the signature of the alleged deb tor showing that there had been an agreement to pay the original balance, letter of sale or assigment from the oeriginal creditor. None of these has been sent to me. Nothing has been done. They are reporting items that are unsubstantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX   XXXX  you lied to me when you stated you had nothing to do with   XXXX   XXXX   and that you know nothing about the  XXXX   XXXX ,  XXXX  letter from  the OCC. Also  you have nothing to say about the current resident   XXXX   XXXX   and   XXXX   XXXX  . A mortgage from ch ase Manhattan wa s registered to my name on  XXXX / XXXX / XXXX  that i s five  months after he convinced me to move out claiming he bought the house from   XXXX   XXXX  . THAT MORTGAGE IS IN MY NAME AND I AM OUT OF THE HOUSE.  <P/> I have a letter dated  XXXX   XXXX ,  XXXX  from chase home finance llc.loan #  XXXX  fro m your executive resolution group with CC. TO The Office of the comptrolle r of the Currency, case  XXXX . This is what the letter dated  XXXX   XXXX ,  XXXX  from th e OCC are refe rring too.  <P/> Please explain to the CFPB.  <P/> I see on  XXXX   XXXX  full detail public record where I taken out the loan from  XXXX   XXXX   XXXX / XXXX / XXXX  but I dont see where from  XXXX   XXXX  how ch ase Manhattan Mort gage got back on the chain. Please explain in writing to the CFPB. Produce to them in writing and I will get the reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting and XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
n accordance what the fair credit reporting act XXXX Account XXXX XXXX has violated my rights15 u.s.c 1681 section 602 A States I have the rights to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting can not fumish a Account without my written instructions n accordance what the fair credit reporting act XXXX  Account XXXX has violated my rights 15 u.s.c 1681 section 602 A States I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : its also says a consumer reporting agency Can not furmish a account without my written instructions

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 2018-04-16
Company: SYNCHRONY FINANCIAL
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is trying to collect a debt but are unable to provide me the proper documentation stating the debt was mine and that i signed contracts. the debt is for {$1500.00}. Being that they can't provide these documents, they can not prove the debt is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Checking and savings accounts were opened with my Social security number, name, address with Huntington National Bank in Ohio. Several letters and a debit card arrived at my home address on the same day XX/XX/2021. Huntington has contacted their fraud dept. I have contacted all 3 credit bureaus to flag my social for fraud. I contacted all financial institutions I do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was required by XXXX in XXXX, ME to attend an XXXX XXXX in XXXX, ME. I arrived at XXXX XXXX on XX/XX/XXXX. I was working with XXXX to do reunification ; to get back custody of my XXXX year old son. XXXX required everyone to go to regular doctor, medical, and dental appointments as part of the overall treatment and recovery plan. I incurred debts with XXXX XXXX in the amount of {$2700.00}, and the account was sent to collections on XX/XX/XXXX. XXXX was fully paying for my XXXX   costs, medications and mental health appointments ; but they were not paying for doctors visits.I was not aware of this at the time, and was blind sided when my credit score dropped to below 430. I tried to dispute it but they are relentless. I do not feel that I should be obligated to pay this debt, I was not aware of it, I was under the impression XXXX was covering these bills, it ruined my credit so that I stand NO chance of ever getting a home, they harassed me endlessly over the phone, and I suffered extreme mental stress because of this bill. I am not looking for a handout - But the whole situation was completely unfair. I have been sober for over 3 years now, regained custody of XXXX of my boys, and am happily married. This debt is literally sucking the life out of me.. I hope you are able to help!

Company response to consumer: Untimely response