BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Greetings! I am a member of XXXX XXXX XXXX, that is to say, I have a savings account with them. I am satisfied with this product so I went in to open a checking account. I was given an " Adverse Action Form ''. They could not allow me to open a checking account. They use a reporting agency who discovered that I owe money to a bank called BMO Harris. I 'm quite certain that I have never done any business with this bank. So I gave them a call. The clerk I spoke with asked for my name and SSN, which I provided to her. She said that her records indicate that my SSN reveals a debt owed to them. However, my name does not match the name they have on file linked to my SSN. As I said : I believe that I do not owe this particular bank any money and the fact that they do not have my name on file reinforces my opinion. Please help me get this item addressed. Thank you, 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 2015-09-23
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage purchased my loan fro XXXX Mortgage and did not supply a new account # in the correspondence. Therefore, I mailed my payment to Freedom mortgage well before the due date of XXXX XXXX. They proceeded to call me to collect, send me multiple collection and late notices, and meanwhile they cashed my check and mis-applied funds to someone else 's account. I called my bank, XXXX, and they supplied evidence of Freedom cashing my check ; while someone at Freedom hand wrote someone else 's account # on the check. I faxed and emailed the cancelled check to Freedom ( XXXX XXXX XXXX did directly as well ) ; yet Freedom still is " investigating ''. When asked if they are charging interest on the principal payment I made and they cashed, I was told " I do n't know. ) Their website also did not permit me to access any of my account information after multiple password resets and is clearly far behind the times. 

I have never had a late mortgage payment in over 20 years on any of my properties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have asked for over 2 yrs to be provided documentation from Fifth Third Bank that the credit card they show on my credit report is valid. Put in disputes with the credit bureaus but none of the XXXX will change the line. I did not sign an applicaiton for joint credit the card was in my wifes name, I have never had a card was not aware of the card. Have asked XXXX multiple times to provide a signed application giving them authority to use my credit or list me as an owner but they have failed to provide a signed app or remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Recently, I have checked my credit report and found XXXX negative items in relation to a 1 year lease with the XXXX XXXX. There are XXXX amounts of {$3500.00} and {$4400.00} in collection with the XXXX XXXX XXXX. I fulfilled all my lease obligations with the XXXX. My monthly rent was {$980.00}. The same building complex was hit with XXXX Code violations by the City of XXXX in 2011. By the way, they have changed their name to Sphere now. The building is still violating housing rules and regulations. I want these items removed from my credit report. I do n't owe them, and they have not returned my security deposit.

Company public response: Company chooses not to provide a public response
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: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I recently applied for credit with 2 credit card companies. A copy of the driver 's license was sent to both companies approximately 6 times. I received feedback that they could verify my identity which I thought was strange. After speaking with a representative from one of the companies I was told that it is the credit reporting agencies that are reporting this information. It appears that they have incorrect information on file about me.

I

t is all three agencies that are reporting this false information. I am not sure why because I got a letter from one of the
companies at my home address indicating that they could not verify my identity, but they sent the letter to my home. These agencies, credit agencies, are reporting false information that is creating hardship for me. 

I want all three agencies, to correct this information and send letters to the credit card companies acknowledging their mistake. 
Sincerely XXXX 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 2020-06-21
Company: DriveTime
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
DriveTime from XXXX, Florida ripped me off. My car is {$8000.00}. I literally bought this car 3 weeks ago. Why does my loan say I'll pay {$25000.00} at the end of my loan. My interest was 25 percent. Like they say, " Never let a crisis go to waste. '' I am on XXXX and they refuse to assist neither did the loan company XXXX wanted to assist or change the terms. They made is so that I could not trade in my car because I had alot of negative equity. If I wanted to trade in my car at another dealership, I had to put {$10000.00} dollars down. My car was only worth {$3000.00} as a trade in. Don't go here. Drive Time XXXX used this crisis to prey on people like me. Beware.

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 2015-06-11
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have insurance, the insurance company said the hospital messed something up and that I was not responsible for the bill. They also said the hospital needs to figure it out. I explained this to the hospital and they said ok. Then I started getting the debt collector calls, I have asked them to stop calling and explained the conversation I had with the hospital. They start getting angry and loud saying you owe this money, etc. today after telling them to stop calling they kept talking until after the XXXX time me telling them to stop calling and that 's when they said goodbye and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over past few weeks have been receiving phone calls that caller ID identifies as Fifth / Third bank. the # is XXXX. When I pick up and answer there is silence on the other end of the line ( I can not tell if its a human or a robot. After a few moments the phone will disconnect. Yesterday I call 5/3 @ XXXX to verify if the phone # calling me was a 5/3 # ... after being put on hold the representative came back on the line & stated that YES ... THIS # IS FROM THEIR COLLECTIONS DEPARTMENT, ( SHE ADMITTED THAT 5/3 WAS MAKING THESE CALLS ) plus I have had other similar calls from other # 's .... 
15 USC 1692F ss 806 ( 5 ) Seems clear regarding this type of call. 
THESE ARE HARRASSING PHONE CALLS. 
IT 'S INCONCEIVABLE TO ME THAT A BANK WOULD ACT IN SUCH A DISPICABLE MANNER, I do n't even believe it is me that they 'd be trying to contact ... PLEASE HELP WITH THIS ISSUE Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I received a loan modification for the mortgage on my home that I have lived in for 22 years. It was a principal and interest only loan, with my monthly payment totaling {$440.00}. The loan was made possible by extending the years on my previous mortgage, which thereby lowered my payments. The interest rate was fixed for a 30-year term. In order to be accepted for this modification, I had to go through a 3 month trial period to ensure full payments of {$440.00} were made by the first of each month. I met this requirement and therefore, my mortgage payment stayed at the rate of {$440.00} for the remainder ofthe loan. I knew that this was a principal and interest loan, and that I was responsible for paying real estate taxes and home owner 's insurance, as was directed on the signed contract. I continued to pay my taxes and home insurance and am current on all payments up to this date, XX/XX/19. 

Approximately a little over a year after my XX/XX/XXXX modification started, I received a bill from Citizen 's Bank/CCO Mortgage stating I owed approximately {$5000.00}. They said that they had mistakenly not included escrow in the modification from XX/XX/XXXX and  therefore, owed this amount. But, I had paid the town of XXXX, MA for all the real estate taxed owed as well as paid my home owner 's insurance. I tried to set up an escrow account with CCO mortgage from that date forward, and provided them with proof of all the last year 's taxes and insurance payments. They did not agree to this. I have made several attempts to resolve this issue and am still paying real estate taxes and home owner 's insurance, as well as my {$440.00} monthly mortgage payment. CCO Mortgage claims that they have been paying the real estate taxes and insurance, and now say I owe them thousands of dollars, as this issue has gone back and forth for the past few years with no resolution. 

I have provided to CCO mortgage all documentation and proof of taxes and insurance payments, and can still provide this documentation, if needed. At this time, they are threatening foreclosure, though I've continued to make timely payments. I appreciate receiving the modification, which allows me to stay in my home, and just wish to resolve this issue as prorrptly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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've been reporting these accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA XXXX A ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA XXXX XXXX ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( XXXX, XXXX, and Transunion ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022

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 2016-06-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am excercising Power of Attorney over joint assets, because JP Morgan has engaged in the elder abuse of XXXX XXXX and XXXX XXXX. When XXXX XXXX and XXXX XXXX attempted to use their money from account XXXX, a joint account with my name on it, they were denied access to their money. They could not access funds to pay an exterminator for maintenance services of real estate property. There is a specific company set up to manage real estate property and assets, XXXX XXXX My company, XXXX XXXX is helping with the real estate law management of this situation. JP Morgan has repeatedly spat in my face and abused elderly people in my family. They have repeatedly committed acts of fraud and taken over {$200000.00} in cash assets and real estate assets from me. They have also given XXXX XXXX, and other questionable individuals access to money from my bank accounts when they did not have any legal right to. I would say that the people running JP Morgan have some severe mental issues. If I am given a difficult time while exercising power of attorney over joint assets, I am going to have my elder law attorney file papers in surrogate court. JP Morgan is under investigation by XXXX for participating in this type of abuse. I already have been to the correct court and I have obtained a judge 's order against certain abusive third parties. If the XXXX continues, I am going to begin to file motions against JP Morgan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Planet Home Lending. Despite having a non escrow account Planet Home Lending attempted to pay my property taxes to XXXX XXXX County. These taxes were not late and I had already paid them so the money was sent back to Planet Home Lending. I was able to have the county give me a check number and the date that their payment was cashed, which was XX/XX/21. 

I called Planet Home Lending on XX/XX/21 and relayed this information to them and they told me that they couldn't find the repayment in their system. They said that the would need to investigate the issue and that it would take 45 business days giving it an estimated resolution date of XX/XX/21. This seems like a shockingly long amount of time to resolve the issue given that this was a mistake on their part and that I have given them the information they need to resolve the issue. The amount of {$4900.00} is significant and is holding up my ability to get other financing. I have also submitted a written request for help on the Planet Home Lending website and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a company credit issued to me and the company closed the credit card in XXXX 2014, however the credit card continued to charge me a fee for a service from another company that I had already closed, without informing me of this going on. The card had been closed and expired and the credit card still let the charges accumulate. They also went to an electronic notification and I was never notified of any of this until I received a collections letter over a year later about charges and they were sending me to collections. The credit card let a company charge a closed account for over a year and never informed me of this, and the company charging against the credit card has not provided any service to me since XXXX of 2014, when I closed the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My XXXX XXXX AAdvantage Citibank card has been CLOSED and apparently " charged off ''. Without any official notification! Now, with XXXX this is crippling my Credit Score. In fact, I have had multiple correspondences with a variety of Citibank representatives from XXXX, XXXX, XXXX XXXX, Missouri, USA, and other locations. On an emails dated XX/XX/XXXX and XX/XX/XXXX, I received warnings that I needed to contact Citibank to resolve the status of my credit card. I realized I was late on some payments. At that time, I contacted Citibank and set up payment to bring my account current which I did. On XX/XX/XXXX, I scheduled a payment for {$1900.00}. During these interactions, I was NEVER notified of account closure?! The representatives said thank you for being a valued customer and we are happy to assist in getting account current. On XX/XX/XXXX after trying to use the card and was DECLINED, I contacted Citibank and spoke with a representative in XXXX. The representative said there was a Fraud/Travel Alert on my account and if I could let Citibank know where I would be traveling to in the near future, I could have full usage of my card. I told her that I am a XXXX XXXX XXXX and travel often throughout country and world. Citibank forwarded me an email dated XX/XX/XXXX showing my next few travel destinations that we had discussed. Not once did she tell me my AA Citibank Credit Card account was closed?! Why would she even set up a Fraud/Travel Alert if my account is supposedly already closed??? The Citibank Supervisor in XXXX XXXX was astonished and apologetic that I was being treated so poorly and told me she was filing a complaint/grievance on my behalf. After more frustrating interactions and getting nowhere, on XX/XX/XXXX I  asked for and received an Account Status email that I have been a " valued customer '' and that my account has been in Good Standing for the past 12 months! However, I still can not use my card. And, now Citibank representatives continue to say my Account is closed, there is nothing they can do and they have declined to reopen it. I 'll have to reapply for a new card. Which will no doubt get declined. To reiterate, this is detrimental to my Credit Score and XXXX is now affecting my other credit cards and debit card usages. For example, it 's impossible to rent a car let alone order a pizza. Citibank has been misleading and telling me a myriad of different things. I think their practices have been very unprofessional and deceptive. As a matter of fact, I have never been told the official date my account was CLOSED? Ridiculous.

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 2016-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been struggling financially for over a year now. Due to circumstances, we were not able to refinance our loan as we had planned. We did attempt to obtain a loan modification. For over 4 months I dealt with mortgage company providing them, over and over again, with documentation they requested. Finally, they said they had all documents they needed and I needed to complete a trial to be eligible for the modification. They said I needed to make special payments for 3 months, which I did, on time, even a month early. They said for me not to pay anything else until XXXX XXXX. After those three months were completed, they mailed me a modification letter that I had only a couple of days to read, understand, sign and return. They modification would help a little, but it would n't have helped us in the long run. Meanwhile we were able to repair the home well enough to finally be able to refinance our home with an FHA loan. We decided that we should refinance instead. We completed all we needed to refinance the house, but when the loan officer requested our payment history from the current mortgage company, it showed we were 3 months behind in our payments, which I knew nothing of. It took two phone calls for me to find out what was happening and I ask them to fix the situation so I could refinance, but they refused. They claimed the payments I had made for the trial were just to catch up what was behind XXXX they payments were larger than my usual monthly payments ) and I still owed for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I paid those three past due payments in XX/XX/XXXX, however XX/XX/XXXX and XX/XX/XXXX still appear over 30 days late on my payment history and because of that NO ONE will consider refinancing our loan for another 12 months. I had no idea our payments were so far behind. I was simply doing as I was instructed my the loan company regarding the modification, which I thought would help us and the company managed to drag this situation out for months. Now we are stuck. We can not accept the loan modification, we can not refinance, we can not afford to pay the 8.9 fixed interest rate and fees on our loan. We have a nice home with excellent equity and need to refinance to pay our debts and lower our rates. All we need is our payment history modified so that we can obtain the loan. I feel like the loan modification process was not handled well, as they constantly " lost '' documents I had sent in, and was not explained well at all. I find it very unreasonable that this situation prevents us from refinancing our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: NC
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:
This information is fradrglent and does not belong on my credit report. This information should be removed from my credit file. Any information used in your investigation should be sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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