BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX in the amount of {$500.00} dollars. I have deposited this check via mobile app to my XXXX XXXX XXXX Account. After a while I noticed that this moneys were never deposited so I contacted XXXX XXXX XXXX customer service to search for this deposit. After lengthy phone calls I received a letter from XXXX XXXX XXXX instructing me to bring the original check to the XXXX XXXX XXXX physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at FIFTH THIRD BANK on XXXX/XXXX/XXXX. I have never deposited this check to FIFTH THIRD BANK! I have NEVER owned an account there I never even heard of this bank. I contacted FIFTH THIRD BANK to see what happened to my check. They said that they cant research this check because there is information missing and that I am not their customer. I asked FIFTH THIRD BANK to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in XXXX XXXX XXXX the money never showed up and according to XXXX XXXX XXXX this check was cashed at Fifth Third Bank but the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to XXXX XXXX XXXX and they are claiming that I mobile deposited it in FIFTH THIRD BANK! 
Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
CAPITAL ONE HAS FAILED TO REFUND MY ACCOUNT FOR SEVERAL CHARGES TOTALING OVER {$1100.00} THESE CHARGES WERE NOT AUTORIZED AND NOW CONTAMINATED MY CREDIT CARD.SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: AR
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:
I decided to get my credit pulled due to a couple of bills I continued to receive. I have never heard of the place. I quickly suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$3800.00} XXXX  XXXX {$4400.00} XXXX XXXX {$4900.00}

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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I decided to get my credit pulled due to a couple of bills I continued to receive. I have never heard of the place. I quickly suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$3800.00} XXXX  XXXX {$4400.00} XXXX  XXXX {$4900.00}

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 2015-08-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made my payments on time with BMO HARRIS bank, and somehow they missed one of the checks my bank sent, the money cleared my bank account, and the funds were taken from my XXXX checkings account. this happened XXXX of 2014, they 've been calling me an harassing me for a whole year about it, and I already explained the situation XXXX times to different people. they never put notes on the system, they 've called my mom at work, my brothers and almost got my Mother fired, I am a United states Marine. a and they call my job everyday from the same number. and they are not trying to work hard to find out who lost the check and were did my money go. at this point like I said my money cleared the account and I never got reimburse for the lost, if you look at my payment history I 've never missed one payment! and I have XXXX cars. they told me they would take my car and that it was n't their problem the money got Lost, that I HAD to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: AZ
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:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMP Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My loan was sold by XXXX XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX ) in XXXX. My first payment due to XXXX was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted XXXX to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Billing statement

Complaint:
I have a credit card with Fifth Third bank. On XXXX/XXXX/2015 I was billed XXXX for next years annual fee. I received the bill on XXXX/XXXX/2015 and called the customer service line at XXXX and told them that I wanted to cancelled card as I did not want to pay a XXXX annual fee for a credit card. They closed the account but are refusing to reverse the unauthorized annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX Re : Navy Federal Credit Union NFCU knows I am a XXXX Veteran. NFCU knows, my information was sold to the dark web. Received calls from NFCU XXXX twice XX/XX/22 at XXXX, XX/XX/22 at XXXX and XX/XX/22 at XXXX. Sent a message via the message center asking why NFCU was calling so much and never leaving a message? I then requested that NFCU only communicate via the message center. Navy Federal Credit Union 's response was " Ms. XXXX. We understand that you would like communication only by eMessage or message center. To process this request, you are welcome to delete your phone number from your profile. Regarding the calls you received, we will be glad to assist you, but we need to learn more. In your reply, please advise how you learned the calls were from Navy Federal. We hope to hear from you very soon. '' What type of employees do you have working at NFCU to provide such an alarming unprofessional response? I am not a debt slave and NFCU already violated the Electronic Fund Transfer Act ( EFTA ) by stealing {$1500.00} out of my account and it was put back in my account after my CFPB complaint. Now NFCU is violating the Telephone Consumer Protection Act ( TCPA ) with masked robocalls.

NFCU violating and harassing members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a XXXX mortgage with Fifth Third Bank since XX/XX/XXXX. The loan amount was {$36000.00}. My monthly payment is {$260.00}. I have consistently paid more than the required amount. I am not delinquent and never have been. To this date, XX/XX/XXXX I have paid over {$27000.00} in interest and have requested repeatedly that the excess amount be applied to the principal. I was advised that interest is charged on a daily basis and that has to be paid first. My loan balance is still at {$34000.00}. My loan payment is due on the XXXX of each month and is considered late if not received by the XXXX. From what I was told from the bank was that even though my payments are received on or around the XXXX, that I am being charged interest for those days prior to the due date (? ). This is a terrible loan product and I have requested that my loan be modified to be fully amortized and was told that they do not do business in Arizona ... but yet, my home is in Arizona. I feel that this bank has taken advantage of me and still continues to do so. Their products are inferior and certainly not for the benefit of helping homeowners. Their lending practices are very unfair and unreasonable. I have asked for help but to no avail. Please look into this bank 's policies and procedures as it does not look good for just everyday working people that deal with this awful bank. Also, I am not delinquent and my interest payments are always on time ( their time ). This is not an interest only loan, although it sure looks and feels like it ... .just awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never lived at XXXX XXXX XXXX XXXX, SC XXXX that is attached to the debt. I did however live in the same town at XXXX XXXX XXXX XXXX, SC XXXX. I can only assume someone near me got hold of my information and made the account. 

I don't know how to prove I have never lived someplace other than providing the only two Drivers licenses I have had in the past decade. If you can please tell me what I need to provide to prove I have never lived here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We just went through a period where we were making extra payments due to my having been out of work earlier this year without pay. Now we are trying to make our normal payment but we ca n't reach anyone at the phone number, they are no longer open after XXXX EST and when calling during normal business hours, no one answers the phone. I 've seen numerous complaints online from other customers as well about the same thing. I 'm afraid that if we ca n't figure this out, we 'll lose the house. I ca n't even make the payment online. The mortgage company is HFC, the phone number is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Conduent Incorporated
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My debit card wasnt delivered, and it has been sent since XX/XX/2020, I have been waiting for my card but seems they didnt send it all. 

I will so much appreciate if you could get me their direct contact. 
XXXX XXXX For Tennessee XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: PA
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/XXXX, I sent a request to the credit bureaus, to investigate five errors that currently appear on my credit file. They were supposed to respond within 30 days. However, 30 days have passed, and I have yet to receive my responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Their investigation did not fix an error on your report

Complaint:
I have sent multiple requests for investigations into the two following accounts currently reporting on my credit report. I sent letters on XX/XX/2020, XXXX and XX/XX/2020. All with no response or no resolution to my request. These items are affecting my ability to obtain new credit and affecting my credit status negatively. 

XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 


XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2020-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has been offering me Forbearance from the beginning of the Covid19. They called me in the middle of XXXX to offer me forbearance on my payments. They told me the payments would be added to the back of the loan at the end of the forbearance plan. They said I had 12 months of help from the CARES Act. They also called me in the middle of XXXX to offer me 3 more months of help. Stating that I had 9 more months to go. In the middle of XXXX, I spoke to 2 different Customer Service representatives just conforming the help for the following 6 months and both of them confirmed that I had 6 more months of Forbearance. I have been making financial decisions based on this for the last few months, Obviously, I need the help and I am grateful they offer to help me during these tough times. On XX/XX/XXXX I received a call from XXXX XXXX ( Home Preservation Specialist ) She stated that Wells Fargo made a mistake by calling me and offering the forbearance plan for 12 months. They said I was only supposed to get 6 months and that I needed to pay back for the months I did not pay which would include XXXX, XXXX, and now 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 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from XXXX and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.

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 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
B of A is still trying to open a fraud generated credit card account in my name. They have tried this for several months and I thought it was over with your help. But this week I received another email saying they have received a credit card application in my name.and i have told them I did apply for a credit card. Please help.

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 2016-10-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
A number of years ago, my wife ( now deceased ) filed an individual bankruptcy. At that time we had a mortgage with Fifth Third Bank. Some after the bankruptcy was complete, Fifth Third added an amount to the mortgage. This was not noticed to me nor is it allowed in the mortgage. I have tried for years to get this resolved but to no avail. The Bank is reporting this as a late payment every month which affects my credit rating and adds costs to my insurance. The rep for the bank said " we did n't charge you we charged the mortgage. '' I fail to see how this is different than charging me. I tried working with a local rep at the bank but the supervisor we tried to talk to would not talk to us and hung up on us. I live to a great extent on social security and this is affecting my credit and my ability to make ends meet. I ca n't even refinance with this showing as late payment every month. I do make my regular payment every month just not the extra which is unexplained and not allowed for in the mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26
Company: NATIONS RELIABLE LENDING LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had been a part of the covid relief program with my mortgage company. Once it was finished they said I needed to make 3 on time payments in a row and they would renegotiate the loan. After making 6 on time payments they had not sent out the new paperwork to sign. I had called them every two weeks asking where the paperwork was. I continually was told don't worry and just keep making my payments. They finally sent the paperwork XX/XX/2022 which was a Friday. The bank was closed by the time I got it and Monday the XXXX was XXXX XXXX banks closed. I immediatley went to the bank Tuesday XXXX the XXXX and got it signed and notorized and mailed it back in the fed ex envelope provided. That next day ( XXXX ) NRL Mortgage called me and said they were issuing new paperwork because the time ran out??? I should not have to keep playing this game. I need this paperwork done and recorded so I can refince my mortgage with a different lender. I am being penalized because they took 3 months to send me the paperwork and when they did the time ran out?? This is unacceptable and I want it resolved immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your 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 2017-01-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company is returning my payments and did not credit a payment made in XXXX 2016, I had tried to refinance from a HAMP loan to a HARP loan and found a credit card judgement set against me and a lien placed on my home. The credit card debt is n't even mine. I am now in default on my mortgage because they are returning my payments and are accessing late fees, they want all payments up to date plus late fees. First, I thought it was illegal to place a credit card lien on a HAMP loan, is that true?

Company response to consumer: Closed with monetary relief