BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage lender claimed that I did not have HOA insurance on my property which is not true. I have the official copy of the HOA insurance and tried repeatedly to provide the proof of insurance to the lender via website, email, and phone. 
Every time I talked to a customer service agent from the lender, they assured me that the information I provided was sufficient and the problem would be solved. However, the lender kept sending me the letter saying I did not have the insurance and threatened to charge me {$45000.00}. And the lender has already started to change me. 
I again tried to provide my proof of insurance to the lender. But they have not accepted it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
I had a vehicle loan with Navy Federal credit union in XXXX. I've asked them to remove it from my credit many of times. They took money out of my bank account for it too. I NEED Navy Federal credit union to remove this from credit report immediately. And on some credit reports it doesn't show up at all. 

Thank you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I have a loan CHFA in XXXX XXXXs. We recently sold our house and are having trouble getting Loan Payoff information sent from CHFA to our title company to close on our house. The first time i requested this information was XXXX-XXXX-18 and was told the information would be sent to the title company within 4 hours. It was not received within that time. I have called them every business day since to get an update on the status of our request and we get the same answer that it is " pending ''. We have tried to talk to a manager or a supervisor and they are dragging their feet. We are less than a week from closing on our house and it is not getting completed. I would be happy to talk to anyone that needs more information about our issue. I am completely disappointed in CHFA. We pay our mortgage to them every month and they can't send one simple fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am liable for this debt I do not have a contract with receivable management they could provide me with the proof of debt that I ask for

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 2023-12-06
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The froze my account, sent me an email and said we did this for your protection ; they have failed to address the problem that occurred in all departments and told me to wait for an email. Its been more than 48 hours no one has called or emailed me. The have many of the same complaints : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
Company: Affirm Holdings, Inc
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX, I received a confirmation of an Affirm loan being taken out under my name through the XXXX franchise. I did not make this purchase nor did I receive anything from this purchase. The bank account linked to my Affirm account was not mine, and there was no money taken out of any of my accounts, but the loan itself is linked to my account. The linked Bank account made payments from XXXX, leaving about {$1600.00} left on the loan. I do not want this loan linked to my account and there are no payments being made towards the loan at the moment, so it will eventually affect my credit and by XXXX it will be sent to debt collectors. I have never made a XXXX purchase in my life and do not know who is using my account for this reason. I do not know who made this purchase, but have the last XXXX numbers of their routing and bank account numbers since it is linked to my Affirm account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: TX
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, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: PA
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:
We filed for bankruptcy and that was over 15 years ago and it was discharged but it still stayed on my credit report despite asking for it to be removed and then they sold our mortgage right after that. So nothing was ever done about it and the mortgage companies we have keep selling our account. 4 times and on the statement still shows bankruptcy therefore we are getting bad rates. All because of this. I never missed a payment as it came out automatically from my paycheck.

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 2018-09-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, I believe that Chase Credit Card Company overcharged me for interest. I received my XXXX statement and the interest/fee was approximately {$25.00}. My balance is approximately {$2000.00}. I called to ask how they calculated the fee/interest. The man said they applied to interest rate ( approximately 14.50 % ) to the outstanding balance daily and arrived at the interest payment. I am really looking to understand how the contract changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Kinum, Inc., Indianapolis, IN Branch
State: PR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a collection notice of {$22.00}, about a XXXX XXXX. I never had that kind of XXXX. Reference # XXXX. XX/XX/2023 date of letter received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Self Financial Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone reopen this account twice in my name which cause me to have a late payment on my credit report I did not give anyone authorization to do any of this this is complete fraud and I shouldn't be hold accountable for it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: ENCORE CAPITAL GROUP 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:
XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XXXX/XXXX/XXXXMIDLAND FUNDING XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX   Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX  District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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:
XXXX XXXX and XXXX is being reported as late payments on my accounts. It is against the law for them to be reporting that under the USC1666B Timing of payments. I would like them removed immediately.

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 2020-10-29
Company: Stenger & Stenger, P.C
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Stenger & Stenger has continued to submit the same statement regarding an illegal obtain judgement on XXXX XXXX in XX/XX/2010. XXXX XXXX has never once been notified regarding the 1st judgement, nor was Mr. XXXX ever proper notified on this current judgement. XXXX XXXX XXXX is the 3rd purchaser of this debt that ... AGAIN.. IS A TIME BARRED DEBT!!! ( apparently, not understand that part of this conversation ) & that Stenger & Stenger has shown any and all proof of legalities of this TIME BARRED Debt. ( again NOTHING IS ON MR XXXX 3 CREDIT REPORT regarding this so called debt & JUDGEMENT!! ) Yes, we understand the 6 years!!! Yes, we know it is 10 years on Judgements ( again, no record of any JUDGEMENT on Mr. XXXX 's 3 credit reports!! ) However, once again, Stenger & Stenger has not proven that Mr. XXXX was properly notified with either a proper signed summons that Mr. XXXX was notified regard any court date to dispute any action taken against him. Stenger & Stenger only answer is that they are trying to use that We do not under the laws regarding Fair Act regarding Consumer Affairs. Stenger & Stenger, as with any and all other debt collection bottom feeders is utilizing the back door to enforce an illegal issued judgement from XX/XX/2010 ... but, supposed Summons was back in XX/XX/2010 & the supposed hearing was on XX/XX/2010. Stenger & Stenger has not followed any of the proper protocols regarding the laws under the Fair Debt Act. Until, Stenger & Stenger can follow this laws put in place to protect all consumer ... there is no such case against Mr. XXXX. Also, I find that CFPB is not doing it job properly by investigating any part of these complaints. All CFPB is doing is submitting our complaint to Stenger & Stenger & allowing them respond & close this complaint. We can do this ourselves. CFPB is suppose to be here to help the Consumer regarding improper collection from bottom feeding Debt Collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2023, I received three letters from a debit collector Jefferson Capital that stated I used a service called XXXX which I did not. The first collection notice is Account # XXXX {$200.00} dated XX/XX/2023. The second collection notice Account # XXXX dated XX/XX/2023 in the amount of {$120.00}. The third collection notice Account # XXXX dated XX/XX/2023 in the amount of {$170.00}. I called Jefferson Capital on XXXX XXXX and explained that the charges are not mine, they stated that they would raise a dispute for me concerning theses charges. I then waited 30 days and checked my credit report and the three charges were still being reported as delinquent and in collections. I then called Jefferson Capital again in late XXXX and explained that the charges were still showing on my credit report, and again they said they would take care of this. XXXX I checked my credit report again and the charges were still being reported. I then Called XXXX they stated that they could not find any accounts for my name or even with the account numbers I provided from Jefferson Capital. Today I filed a Police report with the XXXX XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Federal Adjustment Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
FABO reinserted a collection that was discharged in BK years ago. They even reported it as a XXXX balance.

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 2018-05-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have an American Express Platinum Card. 

On XX/XX/XXXX I wrote a convenience check ( balance transfer check ) from my XXXX Visa card for the amount of {$3400.00} and mailed it to American Express. On XX/XX/XXXX XXXX posted the payment, and listed that American Express had cashed the check. 

American Express have refused to credit the amount to my American Express credit card. For over 6 months they have disputed and delayed, refusing to admit they received the check. Via XXXX, I have supplied them with all the information I can ; copies of my statements, copies of the check itself ; all information pointing to the obvious that American Express received the check but misdirected the funds, lost them somewhere. 

Meanwhile, I am being charged by both American Express and XXXX for money that has been lost by them. 

I have spent hours making calls and explaining the situation over and over again. I have been on numerous calls with both banks, even conference calls with both banks at the same time. XXXX assures me that American Express took my money. American Express keep asking me to ask XXXX for more information. XXXX tell me they have given me all the information they have. Meanwhile, I am caught in the middle. 

At this point I should file a police report, as the only explanation is that American Express has stolen my money. 

I don't know how else to resolve this, I need some urgent help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Rosebud Economic Development Corporation
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Applied for a loan and was approved for {$1000.00}. I made a payment or two and now the loan balance is {$2800.00}. After several phone calls and emails they are threatening to turn it over to an aggressive collection account. I spoke with dept of banking of Montana and I was informed to close account due to the loan being illegal in Montana. Does this sound right what are my options?

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 2018-08-01
Company: JPMORGAN CHASE & CO.
State: TX
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:
XX/XX/2017 chase bank {$150.00} delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
they are trying to collect a debt I do not owe. and its a third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
US Reliacard is a parasitic SCAM!!!

My unemployment benefits were paused, then paid in a lump sum. I am unable to use or access my benefit payment without unnecessary fees and delays. There are ridiculous transaction amount limits as well as frequency of transaction limits. I am forced to slowly withdraw my benefits in small transactions and pay a fee after the 2nd monthly transfer. Their direct bill pay option is not direct at all and redirects to a 3rd party with a non-affiliation disclaimer, should anything go wrong.

I have called the US Reliacard 24HOUR hotline several times in an attempt to increase my account limitations and access my benefits. EVERY call has been redirected to a personal phone line, answered either by a recording that this number is closed, call back again for the next available rep. ( there aren't any! ) ... or it gets answered by someone confused, simply saying hello and hanging up.. not a professional call center or representative able to handle any US Reliacard business whatsoever! 

This Fraudulent bank and card exists solely for the purpose of applying hurdles and obstacles in the way of our taxpayer-funded benefits in order to skim funds to enrich themselves. Their website and app do not provide the necessary customer service and access to account settings and features and their customer service hotline ( XXXX ) is a deliberate time wasting loop that directs you to only dead ends before hanging up on you every time you select to speak to a live representative.

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 2020-10-29
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Back in XX/XX/2020 I received a phone call from regions bank. They asked me to come in and verify my identity. I explain to them that I wont be able to verify my identity until I get my drivers license which was a month away. Fast forward to XX/XX/2020 I went inside the branch located in XXXX XXXX. The financial banker XXXX XXXX told me they just needed to verify identity. Keep in mind that I have an existing account with Regions Bank already. The banker told me that everything was gon na be fine and that my account was it going to be on hold. A few hours later they froze my account saying that they needed to investigate it. Because I have two accounts which I am allowed to have two accounts. They are saying that one account had the wrong social on it. Keep in mind that I have two businesses and 2 I EIN numbers along with my social so I mustve been one number off. Regardless of that Regions still open the account so that wasnt my fault. The banker try to associate me with criminal intentions by making statements like the FBI was going to get involved and things like that. It didnt make any sense to me because I came in there and provided a lease and drivers license regardless of one number being off I still am the person that opened the account. I believe that I was discriminated against because as soon as I came in and they saw someone other than thats when they froze my account. I will be filing discrimination charges against this bank. The bank itself told me that they were going to have my account on hold for months while they investigate they caused me to miss an important XXXX date that I had because I dont have access to my funds

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