BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: Avant Holding Company, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Avant card states that if you can avoid paying interest on your card by paying it off in full by the payment due date. On XX/XX/2021, I paid my statement balance in full and payments are due on the XXXX of the month. When I received my next statement there was interest charge for {$4.00}. I immediately contacted Avant and was told that the interest could not be removed so I ask to speak with a Supervisor. I spoke with XXXX/Supervisor and explained that I am a good customer, I pay more than the minimum due and this time I paid the balance in full before the due date but was still charged an interest fee. XXXX stated that I needed to pay my balance in full 2 months in a row before they would waive any interest fees. I told XXXX that did not make any sense, if I paid my balance two months in a row there would be no interest to waive. And their statement says that if I pay it in full during the grace period which I did, there would be no interest charged. XXXX refused to waive the late fees and I informed that I would be filing a consumer complaint, they are taking advantage of customer with false information. There has not been any purchases on my account for months, just interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: MRS BPO, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received threatening and harassing letters in the mail. This is mail fraud. There was also XXXX XXXX etc.

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 2016-11-21
Company: Skopos Financial, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
skopos financial lost XXXX of my payments made in XX/XX/XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XX/XX/XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX ) speaking to them verifying the payments were made and on what days. Skopos Financial refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. Skopos also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against Skopos Financial concerning the documentation that I nor the primary borrower received with the XXXX, XXXX. Skopos Financial claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. As a last resort I sent Skopos a repo dispute letter on XX/XX/XXXX, which I have enclosed yet it is XX/XX/XXXX and I have not received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with the bank on XX/XX/XXXX while a promotion was running to start up a checking account with them to receive {$220.00}. The promotion ended XX/XX/XXXX but I met all of the qualifying activities ( direct deposit needed to be set up to waive fees, promo code was submitted to bank, I created the account with them in person ) prior to that date and the terms stated that the promotion would be distributed within XXXX days of meeting the qualifying actions, not the end of the promotion. It has been nearly XXXX days. I have called the bank numerous times. I have had many email exchanges and nothing has resulted from it. I just continue to be told they are working on it. I have no proof that they are. This is false advertising and they breached their own contract by not acknowledging it. Customer service is terrible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-31
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking and savings account with BB and T in XXXX, Georgia. 
The bank ordered me a debit card. I never received the debit card from them so I requested a new card be sent to me. They sent me the new card but the bank accidentally attached the debit card to my savings account instead of my checking account. I used my debit card as usual ( thinking it was attached to the checking account ) and on XXXX XXXX, XXXX, I was charged a XXXX time activity fee of XXXX for excessive withdrawals/used of my debit card. I called the bank on the XXXX and the customer service agent said he could refund me XXXX. That is not nearly enough. 

I visited the bank on XXXX XXXX XXXX. I went into the bank to speak with them XXXX XXXX XXXX XXXX when I noticed the statement activity fee charge and the phone call only resulted in the XXXX credit. They immediately took that debit card saying it was a mistake, and they issued me a new debit card attached to the correct account. They said they would have to forward the issue to an upper level manager for approval to reimburse the funds. In the meantime, there had been an additional XXXX} in activity fees also added to my XXXX statement for the same problem. ( Charges prior to me visiting the bank to inform them ) Total activity fees that have been charged to me for excess use of my savings account was XXXX 

It has been XXXX weeks and I have not been reimbursed. I have called and emailed many times and no one is able to solve the problem as of yet. I did not know that the card was attached to the incorrect account, my phone app that the bank said to use showed both accounts as checking and the amount was not taken each time I went over rather it was charged as a XXXX time large fee at the end of the month so I would have had no idea there was a problem until I read my bank statement. 

This is an excessive amount of money that I would like to get back asap so I can pay my bills. Thank you so much.

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 2020-04-25
Company: ProCollect, Inc.
State: MS
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 am unaware of any collection amount of XXXX from XXXX XXXX XXXX. I have never lived at this address. 

According to the FCBA & FACTA 312, i would like for them to send me 1.A COMPLETE PAYMENT HISTORY of the alleged amount ( verification line by line ) 2. DATE OF LAST PAYMENT 3. CHARGE OFF DATE 4. CONTRACT/AGREEMENT with signature 5. PROOF OF PHOTO IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR I would like for the COLLECTION AGENCY PRO-COLLECT to send me 1. COMPLETE PAYMENT HISTORY of the alleged amount ( verification line by line 2. DATE of LAST PAYMENT 3. CHARGE OFF DATE 4. CONTRACT /AGREEMENT WITH SIGNATURE 5. PROOF OF PHOTO IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR THE INFORMATION PROVIDED FROM PRO-COLLECT DOES NOT CONSTITUTE PROPER VALIDATION

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 2022-03-12
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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXXXXXX & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31
Company: The J. G. Wentworth Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX applied for an online quote and lock in mortgage rate for an FHA 30 year fixed loan with J. G. Wentworth Home Lending, XXXX XXXX, FL with agent XXXX XXXX.. Agent said she needed an authorization to pull my credit to lock in a rate. On XX/XX/XXXX I gave authorization. Loan agent said she locked in 3.625 rate for an FHA loan for me on XX/XX/XXXX for a 60 day lock and said she would send me confirmation of the lock. She asked me to provide all my financial information on their site which I did. She asked me to send in all supporting financial documents which I did. I called numerous times without response asking for the lock in quote she promised. No positive response. I emailed her after about 20 days of not receiving it. No response. The following day I gave her an ultimatum to send the lock in quote she promised and that J.G.Wentworth advertises that you can get the same day, and if I did not receive it I would file complaints. No response the next day but the following day I received a rubber stamped introduction letter from her stating to fill out a computer based questionaire which obviously been tampered with. No matter what figures I submitted in the 6 question format, it stated I did not qualify unless iI had excellent credit and a whopping 70 % down payment. Only under these terms would she be able to get me 3.875 %. Its obvious this was a passive/aggressive way to attempt to humiliate me by fraudulently tampering with the system she submitted to me. These are foolish qualifications which indicate to me she did not lock in the 3.625 as promised. I had already been pre qualified by two other lenders and was seeking this company because they advertised lower rates. She wasted my time, and now that my escrow is getting ready to close, my new lender wants to charge me {$5000.00} in points to bring down the current rate of 3.875 % to 3.625 %. I am accusing J. G.Wentworth of 1. false advertising, 2. false promises, 3.misleading, 4. misrepresentation, 5. improper lending practices, 6. possible mortgage license violations, 7. fraud, 8. personal financial damage, 9. improper use of my personal financial information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-12
Company: Spring Oaks Capital, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Asked spring oaks capital several times to remove item or verify I had personally signed contract with them and they would not verify and repeatedly sent same UNSIGNED documents over and over. Nothing ever had my own personal signature on it and nothing ever verified I had personally opened an account with them or any other entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started and signed my RESPA with 5th3rd bank on XXXX I was told for the next three months that my application was good and my file was moving well. I have multiple emails, texts, from XXXX XXXX XXXX number XXXX that the file was working. He called my realtor and told them all was good. He asked me multiple times for more documents which I have email proof I have provided. He then went missing and I was forced to call his manager XXXX XXXX. XXXX XXXX informed me that XXXX never submitted my application and was lying to me throughout the entire process. He then stated he would get me back on track. They asked me for more documents which I provided and then told me we would be closing soon. Then they both disappeared as my closing date came. I asked what the status was and they said they would get back to me immediately that was four weeks ago. This person took my personal information by email told me that not to do it through the secure portal 5th 3rd provides. I am afraid he may have stolen my info and also I am not able to close on my real estate transaction that is closing me roughly {$1200.00} a day in rent loss. Neither will respond so I attempted to reach out to XXXX XXXX XXXX manager with no response. Basically, I have missed my contract, lost money, and have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have now spoken with three/four ( but the second woman hung up on me after she said her scripted info ... it was strange ) people at XXXX XXXX. Each of them told me completely different information. The card was activated in XXXX, but she could n't say anymore. Then she told me There was no manager they were " on a call '' and I told her I 'd wait, and the VP was never in a meeting,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions 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:
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this COMPLAINT with CFPB as well as copies of the 10 written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite 10 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 


XXXX XXXXXXXX XXXX XXXXXXXX A copy of my credit report is attached. ( Review highlighted sections on 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 explanation
Consumer complaint received 2017-12-27
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans were transferred to XXXX when I submitted my application for XXXX XXXX XXXX XXXX. XXXX stated that it would take a few months for the payments I had previously made to count toward my XXXX plan. They state that they have now completed the reconciliation of my payments, and that only XXXX of my payments for my subsidized loan and XXXX payments for my unsubsidized loan qualify toward forgiveness. They stated that they will review the file, but they have made no adjustments since that date. I do not have access to payments made to previous servicers which they say are not qualifying. The person I spoke with stated that some of my payments were short by {$0.00} and are therefore not qualifying, which is incorrect. She also stated that she could not tell why others were marked as not qualifying. She indicated that they do not have the proper information or systems in place to make the determinations about qualifying payments, and as of the date of my call only one person had actually received the forgiveness under XXXX to which they are entitled. 

Every payment I have made is a qualifying payment as they have all been full payments of the required amount under my qualifying repayment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: NY
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:
Im mystified all this time. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint 2nd time already. You claim Im not the one submitting it. This to me is unbelievable. So Im submitting it again hopefully this is for the last time. Equifax has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that established this legal issue but they have disregarded these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked or removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please have them remove XXXX XXXX XXXX from my credit file. Im a senior citizen and it bothers me to see that this has happened. Its not fair to the consumer when this happens. I reach out to you because resources are limited. It keeps appearing under many different names and I have to keep writing to you.

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 2017-12-27
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was visiting each credit reporting agency website ( XXXX, XXXX, Experian ) to place a security freeze in the wake of the XXXX data breach earlier this year. I  was shocked to learn that Experian has a {$10.00} fee in Connecticut ( my home state ) to place a freeze, another {$10.00} fee for every time you want to temporarily remove it when youre applying for a credit card, and a {$10.00} fee to permanently remove it ( see attached screenshot ). Since everyone is automatically opted into their system once you start using credit cards and the like, it is absolutely ridiculous that they can charge you a fee for the basic control and security of your own information. 

A quick search reveals that some states prohibit these agencies from charging these fees : XXXX XXXX XXXX From that article, it shows that as of XXXX, 38 state Attorneys General ( not including Connecticuts ) called upon the agencies to remove the fees, which clearly has not been successful. 

I urge the CFPB to do what it can to stop the credit reporting agencies from charging these fees. Consumers should not have their data collected by a company, only for that company to then charge them for security services on that data. They take my data without my asking and then charge me for its security. 

Thank you very much. I know that this simple policy will help Connecticut residents and those in other states who see these fees - people of any income level - better protect their personal data without being forced to pay a fee over and over.

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 2017-10-31
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently looked at my credit reports and noticed that this GMAC MORTGAGE reported 30,60,90, 120 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

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