BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had a car loan with 5/3rd Bank which they sent me booklets for 72 monthly payments which I paid on time without missing any payments. The last payment in the last book ( # 72 ) stated " This is your last payment '' so I believed the car was paid off as anyone would. I expected to hear from the bank with my title information but never did. Today I got a call at work from a repossession company stating my car was listed for repossession by 5/3 Bank for nonpayment of my car loan. I explained to them that my car had been paid off since XXXX 2016. Thankfully, they understood that there was a problem with the bank and asked me to contact them directly and were polite enough to give me the account and contact information that I would need. I called the bank and they claimed to not have my address to contact me although there has been no communication from the bank since I received the payment books 6 years ago. During this time my address was the same until I sold my house XX/XX/XXXX. The US Postal service still forwards mail and no contact was made to me to discuss additional payments that were not included in the payment booklets. They claimed over the phone that I owed the last 3 payments of a 75 month payment plan. I do not recall agreeing to 75 months but they claimed they had a signed contract from me for that period. They quoted this to me without proof, without sending me the paperwork, or giving me notice that anything was late. I did not have this contract with me to review and was required to pay regardless of whether this was true or not because they had already placed a repossession order on my car. I questioned them why send only 72 months in payments and say " This is your last payment '' in the payment book on 72 when they expected 75 and got no answer. It was not a matter of not being able to pay for it. I paid over {$1300.00} instantly today to avoid the car being repossessed fraudulently. As shown in my payment history, I could have and would have paid the payments had the bank not sent a 72 month payment booklet saying the loan payments were complete when they claim more payments were due. I now have late payments claimed on my credit history that I consider fraudulent. Why would a bank send payment booklets with less payments than the loan requires? When questioned about this, the bank would not answer. When questioned why nothing was mailed to notify me of their claimed missing payments they claimed they did not have my address. As stated before, they had my address up until the last payment was mailed and the US Postal service continues to forward mail for XXXX customers. If they had mad any attempt to contact me concerning missing payments, they would have been received and dealt with immediately. I feel that this was a deliberate attempt by the bank to mislead a customer and obtain additional funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I contacted Fifth Third Bank XXXX/XXXX/2015 via XXXX regarding the status of my checking account due to Decline of a payment for XXXX on XXXX/XXXX/15 by the bank. As of XXXX/XXXX/15 I had over {$4400.00} in my checking account and it has disappeard. I am alleging it is a scam because the personnel at the bank through an outside party back in XXXX XXXX stole $ 8K from my checking account and never replaced it even though I have XXXX times a month called, sent letters and personally gone to the bank XXXX TN the have yet cooperated with me and when asked for the fraud dept to discuss this issue they gave me the wrong phone no which had been disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
OnXX/XX/2010 the mortgage payments on this loan were accelerated by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the entire debt became due on that date. 

Ocwen Loan Servicing is barred from foreclosing on the deed of trust as the statute of limitations to do so, has expired, per Washington State law, RCW 4.16.040 ( 1 ). 

This debt is no longer collectible. 

I have given notice to Ocwen Loan Servicing LLOC, and to the Ocwen Office of the Consumer Ombudsman without a response as of yet. 

Ocwen has previously identified themselves as the owner of the promissory note/loan, when XXXX XXXX has also been identified as the owner of the note/loan. Ocwen declared they were the owner of the note/loan under the penalty of perjury. Ocwen refuses to explain how there can be 2 owners of the note/loan, and when they became the owner of the note/loan. 

Ocwen has identified collateral file/note holder custodians, but has refused to say who these custodians were representing, whether it was XXXX XXXX or Ocwen?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX my chime checking account and savings account and credit card account got hacked at XXXX I get up for XXXX for work but I got up earlier at XXXX XXXX because I kept getting notifications about my account someone went into my chime account changed my telephone number in my account took all the money I had in my saving account transferring it to my checking to only transfer it to my credit card account and doubt all my money on crypto some company called XXXX XXXX I only found out what the company was called cause I did researched. Then they went back in my checking account and use my overdraft protection on some company called XXXX I immediately called chime and made them aware of the situation I had him freeze my whole chime account until I was able to verify myself. Chime then stated that they couldnt dispute my transactions until they clear so a couple days pass by the transactions cleared my account I call chime to dispute it the put a dispute on both credit card account and checking account the credit card account the said they found a error and gave me my money back the same day I did the dispute for my checking account literally XXXX that afternoon I received a email saying they found no errors occurred when I called the customer service number and spoke with a dispute supervisor he said there was definitely a error occurred and your account was hacked I just looked up the merchant and its a scam and he told me to resubmit my proof all the researching I did and information I had and he would do a rebuttal so they can reopen my dispute claim literally four days later the emailed again saying no error occurred but this is what I dont understand how can they give me the money that was stolen from my credit card account but didnt give me the money that was stolen from my checking account. They found a error on my credit card account but didnt find a error on my checking account Im not understanding. So when contacting chime the guy said that they couldnt help me anymore and they wasnt going to reopen my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received a flyer in the mail stating that Ocwen was part of a {$2.00} XXXX settlement. I have a mortgage with Ocwen on my secondary lake home at XXXX XXXX in Oklahoma. I contacted the XXXX number as was told since XXXX owned my asset and that they were exempted from the standard Mortgage banking rules, that I had to default on our monthly payment to be recognized for the reduced rate. I do not believe this is true. Please confirm.

Company response to consumer: Closed
Consumer complaint received 2015-05-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting inaccurate, illegal late payments on Myfico Experian credit report. 
Accounts were Charged -off /Closed and there are multiple late payments showing after the accounts was charged-off /closed is inaccurate.This is illegal! 
The lates should be deleted immediately.I plead with CFPB to investigate this matter. 
The XXXX accounts are inaccurately showing multiple illegal lates after charge/off. 

1 ) XXXX XXXX - XXXX XXXX XXXX ... ..., 2 ) XXXX XXXX - XXXX XXXX XXXX ... .... 
The lates report as recent as XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: OR
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:
On XX/XX/22 I contacted Equifax, XXXX, And XXXX Regarding my viewing my credit report, and seeing some inaccurate and false info on my credit report. It has now been over 30 days, and have not received a response. This false information has severely crippled my ability to obtain credit, secure housing, or even apply for SBA Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: MD
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:
For my account with XXXX XXXX, they reported I missed a payment. However, if you look, I am ahead on my payment and the balance is up to date and paid over the minimum amount due. Please have them remove the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have disputed charges made fraudulently on my account while in XXXX, XXXX. The charges were credited to my account while they were being investigated by Chase on XX/XX/2019 in the amounts of {$2000.00}, {$5100.00}, and {$2000.00}. During the initiation of the dispute on my end, I told the credit card company that while I handed my card over to the establishments to secure a seat, I have never authorized the transactions. I also inquired about receipts, which when provided to me by the credit card company, did not even remotely contain anything that resembled my signature. The company prematurely finished its investigation essentially telling me that because I handed my card to someone, I was responsible for the charges. I explained that I never authorized the charges and paid in cash. The credit card company re-investigated the issue and after me providing them with a copy of my signature, simply concluded the same thing as part of initial investigation, that I was responsible because I gave my card to someone. After 5 months of stalling, significant interest has also occurred placing my card into late payment territory for the first time in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This relateds to property that once was my primary residence. I left the area for job relocation. I sought a short sale of the Property, given the debt was seriously under the market value. Chase Bank promised through its authorized agents multiple times that a short sale was approved, only to have ultimate closings rejected by Chase. I relied in good faith on such representations to my detriment. I could have taken other actions to mitigate my losses if I had not relied in good faith on Chase 's misrepresentations. I further relied on promises of a deed in lieu of foreclosure. It has been 4 years and no resolution from Chase. Just recently I was informed my identity was stolen. Someone was representing themselves as me through XXXX and attempting to take rental funds. All of this could have been avoided but for Chase 's negligent and fraudulent misrepresentation. I need a deed in lieu of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company needs to remove all information from my credit reports. To my knowledge, all medical bills were paid by insurance and up to date. I have never been informed of any debts owed, and even if there are some that I do not know about, their client did XXXX and almost sent me into XXXX XXXX for not doing test requested by me and my wife as well as noted in my medical files. I have a case against their client for negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Back in XXXX 2021, i applied for a new CITI checking account because they sent me an advertisement on my app as i have 2 credit cards with them. I deposited $ XXXX and i was suppose to get {$400.00} bonus in 90 days. It's now been 6 months and no bonus. I called for the last 3 months and they validated that the bonus was coming and that i met all the qualifications. On XX/XX/XXXX i filed a dispute to which they now say i didnt qualify. I am so frustrated with this company.

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 2016-08-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Original loan was through XXXX XXXX, when it came time to repay my loan, my loans were then the property of Navient. They wanted me to pay {$1000.00} a month for my student loans and I did not have the income, they explained to me that I could pay deferments of {$150.00} for every 3 months to keep them in good standing. I did this, but of course I ran out of deferments and my loan amount went back up, I tried to set up an income bases or payment plan with them and they would not give me any amount less than {$800.00}. I tried to I did not have the money as I was just graduating from school and not landed a full time yet. my income was unpredictable. I asked for relief after paying something towards it, but they said since my account was in good standing there was no program that I could qualify for. So I had to let them go bad, by this time they were willing to work with me or so I thought, no they wanted XXXX dollars, again stressing to the and filing out monthly financial reports, they then begin to say you do n't have enough surplus income to pay these so we ca n't prove that you can pay them, therefore you do n't qualify for a relief program. I was so disgusted. Again, I had to let them go bad. Then, finally in XXXX I spoke with a nice lady who told me I had now been able to qualify for a 15 month, lower interest rate program, where I could pay {$260.00} a month for all of my private loans, and that they would lower the rate to 3 %. I had to set up automatic payments for the entire program, but could not be promised that after the 15 months, they would skyrocket again. I decided to take their word in hopes of raising my effected XXXX credit score due to these loans, and pay them so they would be in good standing. Well I received a call on XXXX XXXX stating that XXXX of the loans would not qualify for the repayment plan and they needed an additional XXXX dollars to satisfy the loan. " Wait, what? '' I said to myself, this can not be true, the whole reason I signed up for this program was to state repaying this loan, after Navient continued to attack my credit score and offer me absolutely NO RELIEF, I finally qualify for a program and they renege on our agreement! I am considering bankruptcy because I do not see an end in sight. I am XXXX years old with XXXX in private loans, and if they continue to treat me like a rag doll my credit score will be XXXX : ( I do n't know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing my credit report, I'm challenging a series of errors on credit file according FCRA guidelines 1. Payment history is inaccurate according to number sequence. Review attached documents from Experian to support findings. 2. It states payments were made 48 % onetime, which is incorrect. Payments review by the amount of time determined by number of payments which generate differ from whats on credit report. 3. Update status states XX/XX/2020 which is a National Holiday all agencies are closed. Home was recently sold.

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 2022-02-25
Company: Conduent Incorporated
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I reported fraud on my account. They shut down my debit card and replaced the funds. The fraud case was closed. They have since placed a suspension on my account. I have done everything they have asked me to, but they still refuse to give me access to my account or any updates on when they might grant me access. They will not allow me to speak with any upper management, but tell me to keep calling back to check up on it. Every time I call, they charge me a fee for calling. They are holding roughly {$14000.00} with no end in sight. This is concerning the New Mexico unemployment Eppicard which is owned by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
THe State Employees Credit Union is committing dual tracking and proceeding with foreclosure related activities or proceedings eventhough I have submitted a purchase and sale agreement as well as sell information sheet for the Attorney. The sale of the home is scheduled to close on XXXX XXXX, 2015. I was informed today by XXXX XXXX that they plan to move forward with my foreclosure related activities and engage their attorney to restart the process. This will be determintal to my loan as I will incur additional fees. I request that the postpone foreclosure related activities until the sale is completed. My tenant moved out of the home and I have been unemployed for over XXXX years. Therefore, I need to sale the home to prevent foreclosure. So far they have been unwilling to do anything to help me and want my loan account to continue to rack up unnecessary fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: MD
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:
For my account with XXXX XXXX, they reported I missed a payment. However, if you look, I am ahead on my payment and the balance is up to date and paid over the minimum amount due. Please have them remove the late payment.

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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
For my account with XXXX XXXX, they reported I missed a payment. However, if you look, I am ahead on my payment and the balance is up to date and paid over the minimum amount due. Please have them remove the late payment.

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