BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-24
Company: Diversified Adjustment Service, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is an account listed under my name for the original creditor of XXXX XXXX, however, I never signed a contract with XXXX XXXX, and after attempts to obtain a copy of a contract, I have received no response from Diversified Adjustment Service. 

I have sent faxes and letters requesting copies of my signature on a contract or agreement, and would like to see where this information is coming from.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Account Recovery Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello, XXXX continues to attempt to collect on a debt that is not valid. I have requested proof of debt and they have not provided such. They continue to report the erroneous information to XXXX in violation of the FCRA and show that prior disputes were resolved, which they were not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX {$6600.00} Term 51 months ( 4 years ) Closed account Effecting my credit and abusing my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 602 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

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 2022-06-18
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Signed up with Venmo and used their services a few times. Someone sent me money and all of a sudden venmo froze my account asking for my ID even though my account was already ID verified. I sent that in and also sent in my bank statement just to show them I'm me. They closed my account with MY {$160.00} IN IT!! Now they say I have to wait 180 days and then I MIGHT GET MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
There are repeated calls from XXXX to myself and family members ( mother grandmother father step mother ) threatening to issue a bench warrant for my arrest. They say they are a law firm called XXXX legal group but when they begin talking they demand payment and threaten to issue bench warrant for my arrest. They call repeatedly to all my family members and are extremely rude to them. They call me private and from unknown numbers. They leave case or docket numbers XXXX XXXX./

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
You are in violation of the following Federally Protected Consumer Rights : Compliance procedures- 15 U.S. Code 1681a ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information I the consumer never gave XXXX any written consent to report anything on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
You are in violation of the following Federally Protected Consumer Rights : Compliance procedures- 15 U.S. Code 1681a ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information I the consumer never gave XXXX any written consent to report anything on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: CA
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 name : XXXX 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.

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 2020-01-15
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The calls started in XXXX till XXXX of XXXX. I was getting 3-4 calls a day. I feel that I was being harassed. I decided to answer the call from Cavalry and the person i spoke with he told me the amount I owed for a debt that XXXXXXXX XXXX XXXX wrote off. I explained to him I had a lawyer and I didn't owe the amount they were say I owed. I even explained to them I had also contacted cfpb. They didn't seem like they cared. I even told them about the charges were wrong. I Don't even think the original company who knew the right amount. I have had 5 different collection companies try to collect on this debt. I have harassed, also been called the f word and also other bad word. 
The company has sent me to court now for this debt I don'y owe that amount. I have told them months ago. 
I also had filed with your company on XXXX XXXX. I got a packet from there company, The dates were back from XXXX and XXXX didn't have XXXX XXXX  take over till XXXX of XXXX. I tried calling the person that sent the packet. I never respond. They would say I never called because that is what they did last time I had complaint. I would like to know how they can harass me up to 5 times a day. This has been going on for 3 years. I had to change my phone number and also get a blocker on my phone. I am still getting phone calls from this company and my husband also gets them. They can ruin my credit but nothing happens to the companies. I am enclosing the civil court from the county I live in. There is a letter I sent to the person ( XXXX XXXX XXXX ), I also tried calling him but the operator told me he doesn't work there anymore. Now I don't know what will happen now. But also mailed and faxed a copy like my lawyer told me too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently obtained a mortgage from HSBC. Initially, we were offered a rate which we " locked in ''. I signed the lock in agreement with HSBC specifying the rate and the subject property ( with the actual address ). Later, during the underwriting process, the loan officer changed the rate to a higher rate in violation of the lock in agreement even though nothing had changed. The property was the same exact property as listed in the original lock in agreement. I protested and insisted that we had a binding agreement. The lender would not budge. The closing date for the property sale was nearing and I had already paid for an appraisal assuming the lock in rate. I could not seek out another lender as it would cost me a second appraisal and would result in the seller potentially issuing a " failure to perform '' per the sale contract. I was over a barrel. I feel that this was a clear case of " bait and switch '' in which a lower rate was offered at first only to be revoked later when I could not switch lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
the reply from freedom mortgage makes no sense to me, the loan modifical would put me in a better position, with a lower payment and a fixed rate. the payment would not grow bigger than my XXXX check. i am a XXXX veteran. just looking for a tiny bit of 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 2016-11-30
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in the process of submitting paperwork for loan modification with XXXX Mortgage XXXX, after submitting documentation with Making Home Affordable to them with XXXX number XXXX, and received and signed by " XXXX, '' on XXXX/XXXX/16, XXXX mailed on XXXX/XXXX/16 ), when I received a foreclosure complaint from XXXX XXXX XXXX XXXX listed as plaintiff, by their attorney XXXX XXXX of Reimer Arnovitz Chernick & Jeffrey CO LPA in XXXX, XXXX, Summoned by XXXX XXXX with Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Someone used my name to try to get a student loan. I did not give anyone my information to apply for a student loan. It hit my credit really hard and took my credit score down. I am not applying for a student loan. through XXXX XXXX. I need this looked in to and removed from my credit.

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 2015-07-31
Company: CASHCALL, INC.
State: AR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The loan was for XXXX and they took out XXXX per month for almost XXXX years and whe I called to get payoff they said I owed more than loan amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: DISCOVER BANK
State: LA
Product: Credit card
Issue: Other

Complaint:
I submitted a claim with discover price protection and they denied my claim based off a service provider and not the actual product claim ( # XXXX ). I was told I would be able to be approved for the claim. I purchased the same exact XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am upset because Freedom Mortgage is refusing to review my new modification packet. Freedom mortgage approve me for a trial offer back on XXXX. I did not take the trial because Freedom mortgage refused to do an appraisal of my property they use a old appraisal in order to modify my loan. Therefore I was fighting the value of my property, because is severely under water and I believe I can be provided a more affordable trial payment based on the current market value. I have paid for my own CMA however Freedom Mortgage refused to take it into consideration. My intentions are to keep my house with an affordable mortgage payment, I want for Freedom Mortgage to start a new review so I can keep my house and become current once again.

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 2016-05-09
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was recently transferred to Freedom Mortgage. Paperwork was filled out so they would automatically withdraw money from my account on the XXXX of the month. They started withdrawing the funds for over {$300.00} more than my payment and have not been crediting it to my account. I have spoken to them numerous times and asked them to cancel the auto pay. I have started making the payments by mail. After instructing them to stop the auto pay they again still billed my bank for the auto pay. They also do not know where now approx. {$4000.00} of my money is.

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 2016-09-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a checking account in fifth third bank with a bonus offer of XXXX dollars. I finished all requirements to get the bonus but I did n't obtain the bonus because of XXXX occurrence of overdraft of my account. However, the reason why it happened is not my fault at all. The banker failed to code me as a student in the system, as they said, so that I was charged monthly fee at that time and the negative balance shown on my account. Then they regarded me as a bad account and refused to give me the bonus. The weird thing is that, for the first month I opened my account, the monthly fee was not charged on my account because they successfully coded me as a student. When I finished everything they required to get the bonus after the first month I opened my account, I was charged that mostly fee so that I was not qualified to get the bonus. What a trick! I should get that XXXX dollars bonus. All information can be obtained from my statements. You can also find the reversed monthly fee which means they gave me monthly fee back after I asked them. What they said to me about the bonus is that even though I was qualified and this was not my fault, they could not change anything in their system regard to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-15
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019, US Bank made an erroneous debit of {$290.00} to my checking account. This made my account go negative. On XX/XX/2019, US Bank  issued a check for the same amount of {$290.00} to me. On XX/XX/2019, US Bank closed my checking account with the negative balance caused by their mistake, and placed it with a collection agency. 
I have spoken with my main branch, cardmember services, recovery, and customer service on multiple occasions. On each call, or visit, I have been transferred to multiple departments without the situation being resolved. 

I never asked to have my checking account closed. I have not cashed the check they sent to me. After they closed my account, I was unable to use my online banking. The notice US Bank sent me stated that there was a withdrawal of {$290.00}, but did not provide any details as to who initiated the transaction. I only learned that US Bank made the debit, after visiting my local branch, but the teller did not know why. 

I have never received a thorough explanation of what happened, and now my credit is being damaged due to the actions of US Bank. My checking account had a positive balance, and by overdrawing my account, US Bank has stolen from me, and caused incorrect information to be added to credit report. This situation is still unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I refinanced my mortgage with the same bank that had held my mortgage for 5 years. I have always paid on time and my property taxes and insurance were escrowed and it was my understanding that all taxes due at closing were paid. XX/XX/XXXX the county treasurer sent me a letter stating that my XX/XX/XXXX taxes had not been paid. I contacted the bank and they informed me that they paid the late penalty and took the overdue taxes out of my current escrow and that I therefore owed them that amount ( @ {$3000.00} in back taxes ) in order to balance the account out and so that they would have the money to pay my taxes XX/XX/XXXX. I have asked them what happened to my escrow that was supposed to have been paid at the closing. I have received a letter stating that I should contact the title company or settlement attorney ( all of this was handled by them ). When I have spoken to them on the phone, they become very officious and demeaning and do not seem to understand the issue which is they told me that my taxes had been paid when they had not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called to simply INQUIRE about escrowing my taxes & insurance. I specifically told the agent this was an INQUIRY only. She said they would send information and I could decide then. They sent the information, I decided NOT to move forward. I called back and told them I would NOT be escrowing my taxes & insurance and I wanted to BE SURE NO CHANGES WERE GOING TO BE MADE TO MY ACCOUNT. The agent assured me there would be NO changes. She said they would have to receive signed documentation before they could make a change. 

On XX/XX/2020, they drafted {$740.00} plus a {$4.00} service fee out of my checking account WITHOUT MY AUTHORIZATION. I have called repeatedly and finally spoke to " XXXX in XXXX ''. She saw the phone calls and notes I sent and agreed with me, IT IS A BOA ERROR. I have since called back and sent an email but no one will call me back. It's still not resolved. 

THIS IS OBVIOUSLY ILLEGAL AND IMMORAL. HOW DO YOU NOT HAVE ANY CHECKS AND BALANCES TO ENSURE THE PROPER PAPERWORK HAS BEEN RECEIVED? FURTHERMORE, THEY NEED TO ALERT A CUSTOMER SOMETHING IS ABOUT TO CHANGE ON THEIR ACCOUNT SO THERE'S TIME TO CORRECT ANY POTENTIAL ERRORS. BOA DID NONE OF THIS. THIS IS A CHECKING ACCOUNT BEING DRAFTED. THAT'S A BIG DEAL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I, XXXX XXXX, called Navient to make payment arrangements and I was told that its income base which is fine but the interest was 500- {$600.00} per month. Its no way the lender expected for me to pay high interest and make my payments I'm not rich! Something need to be done about this. More student loans can be paid back if it was a rip off. Something need to be done.

Company response to consumer: Closed with explanation