BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
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 up a checking account with fifth third bank and was being promised {$600.00} account opening promotion bonus. 

The promotion bonus was divided into 2 parts : - {$250.00} for funding the account with direct deposit {$350.00} - Increase the balance in the account by {$14000.00} " within 45 days '' and maintain {$14000.00} for 90 days The complaint is that I met the condition of adding funds within 45 days but still 53 is not honoring the 2nd part of the bonus which is {$350.00}. 
The reason that they have told that the promo code fell off the account in between when I lowered my balance less than {$14000.00} for couple of days. 

But, having said that, I still have 45 days to recouped to the bonus requirement within 45 days which I eventually did. 

The 53rd bank has violated terms and conditions wherein they gave me time period of 45 days to meet the criteria. When I have met the criteria within 45 days, it shouldn't matter as how many times the balance fell below {$14000.00} or not. 

The bank is performing malpractices to avoid giving promotion bonus. 


Here are the account details - Account name - XXXX XXXX Account # XXXX XXXX branch location where account was opened - XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone # of the branch - ( XXXX ) XXXX Best Regards, XXXX XXXX Cell : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: NJ
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Chrysalis Holdings LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
A man from New Day Financial named XXXX XXXX called me directly in XXXX. He told me that they have a program for XXXX veterans. He told me they have 2.25 % interest rates on VA loans and they can get me that rate on my loan. I asked what it would cost me and he said it would n't cost me anything at all. I had been in my house for 21 years paying my mortgage and I thought I was almost done paying my mortgage. He did n't tell me anything about refinancing my loan, he just told me my interest rate would lower. I would n't have wanted to refinance because I did n't want to have to pay for another 30 years since I thought I was almost done paying my mortgage. If he had told me it was a refinance, I would not have wanted it. I trusted him because he told me that he stands for veterans and is there to help veterans. He sent me papers to sign and told me I had to sign them very quickly because the interest rate could change any minute. He sent a notary to my house with yellow highlights where I had to sign. The notary told me that he was in a hurry so he rushed me to sign then took the papers with him. He was only at my house for XXXX or 15 minutes and told me he would notarize my and my wife 's signatures later. Then he told me I would get the documents back later. I got a stack of documents but they did n't have my signatures. 

After that I had to pay New Day a higher mortgage payment for 12 months. XXXX XXXX told me that 's how New Day keeps helping veterans by taking payments for 12 months on the loans they make. I made the payments to New Day but I still did n't know I had refinanced. After 12 months they turned my loan over to another servicer XXXX. Now I 've learned that New Day was refinancing my loan, and refinanced it twice in XXXX and XXXX without explaining to me what was happening. 

Now my loan balance is much higher than I thought it was and higher than I thought it should be, and now my mortgage goes all the way until XXXX even though I 've been paying for 25 years. I feel like XXXX XXXX and New Day misled me and got me into a situation that I did n't want. He told me it would n't cost me anything, but it has cost me a lot. And my interest rate is 4 %, not 2.25 % like XXXX XXXX said. 

I have tried contacting XXXX XXXX since XXXX but I have never been able to talk to him again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. Midland Credit Management has not  validated this debt. They sent me statements of an  XXXX  Credit Card. The address on the statement does not belong to me. Please show me the signed agreement bearing my signature that proves this debt is mine.     2. Sending of a letter and it not be returned undelivered does not protect you under FDCPA. Please provide PROOF that this letter was delivered to me.
3. You voided an existing payment arrangement without my re  quest for your own convenience so you can renegotiate the terms of the agreement. Since you have breached the agreement we had made, without my authorization to do so this is evidence of your failure to keep your part in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: JPMORGAN CHASE & CO.
State: OH
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:
On XX/XX/XXXX I purchased a bike on my chase visa debit card online for in store pickup at XXXX XXXX goods. I paid {$220.00} and a hold was placed on my card for this amount and the charge would formally go through when the bike was picked up. I was unable to pick the bike up within 48 hours so the order was canceled. The hold was removed and I was never charged for the purchase. On XX/XX/XXXX I purchased the same bike at the same XXXX XXXX goods online for in store pickup on the same card. This time I paid {$230.00}. Again a hold was placed on the card. My husband went to pick the bike up that evening and the girl checking him out saw on the account we had previously purchased that bike but our order had been canceled. She offered to price match and give my husband the lower price for the bike. She assured him he would not be charged twice. On XX/XX/XXXX I checked our statement and realized we had been charged twice. I contacted XXXX multiple times who told me they would get back to me. Multiple times they told me it was taken care of and I should see the refund in 3-5 business days. When I never received the refund I contacted Chase. They opened a case and investigated it. They came back with conclusion that this was 2 separate orders and the charges were valid. In the meantime, I received an email from XXXX stating that they determined the first order was never picked up and they had processed a refund in the amount of XXXX to my chase visa debit card. I never received this credit. I contacted chase again and they opened another case. I provided the transaction ID from XXXX for the refund and Chase still came to the conclusion that the charge was valid. I called XXXX again and they again provided me with an email receipt showing the date and amount the refund was processed ( {$230.00} on XX/XX/XXXX ) and again provided the transaction ID. I faxed this yet again to chase and they are still stating they will have to review the case and contact me. It has now been 2 business days and they stated they would get back to me in one business day. Its also worth noting that on XX/XX/XXXX I went into a Chase branch and tried to get a resolution and the banker took my information and assured me someone from the escalated claims department would contact me in 3-5 business days. No one ever contacted me. Its absurd to me that a bank can keep my money which was refunded to me by the merchant. Also, Chase came to the conclusion that the charge was valid when I provided them with proof from the Merchant that the merchant was admitting the charge was not valid. Im frustrated and want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28
Company: SinglePoint GI
State: OK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint against GENERAL REV because they are attempting to collect a debt that I do not owe them. Account Name : GENERAL REV, Account Number : XXXX. 
I would like for GENERAL REV to show proof of verification that I owe them {$640.00} with the account above. To my knowledge, this account has been paid. GENERAL REV is reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: BROADVIEW MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Broadview Mortgage company is sending me unsolicited mail encouraging me to refinance one of my properties. I have never done any business with this corporation or any of its affiliates, so I should not be receiving this mail since I never requested their services. The envelop they sent it in does not include any sender address information and the outer face of the envelope states " Notice of Overpayment '' leading me to open the letter because I thought it was about one of my bills. Only when I opened the letter did I realize that this was in fact an unsolicited advertisement. The disclaimer in the letter included an expired CA DBO number ( # XXXX ) so I had to do my own research to get their current and active number ( CA DBO # XXXX & XXXX # XXXX ) and address information. 

I tried to tell the customer service at the provided telephone number in the letter XXXX to completely remove me from their marketing and mailing list, but the representative refused and hung up on me. 

I do n't wish to do any business with this company that engages in such sleazy marketing practices so I request that they stop sending me any more mail or marketing materials.

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 2022-03-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 30 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Home Point Financial Corporation
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We closed on our fixed rate home loan at the end of XX/XX/XXXX. Our monthly payment, based on debt-to-income was approximately {$1400.00}. In XX/XX/XXXX we were notified of an increase of approximately {$300.00} per month due to a projected shortage in escrow. There was no significant increase in annual, local property tax or in homeowner 's insurance. The lender chose to pay both in full between late XX/XX/XXXX and XX/XX/XXXX, reducing escrow from close to {$3000.00} positive balance, to approximately {$2000.00} negative. After extensive communication with an attorney from the lender, we were able to reduce the monthly payment to about {$1500.00} per month. This was difficult, but manageable. In XX/XX/XXXX in spite of requests to pay the property taxes in quarterly installments ( as is recommended best practice and, as is easily demarcated by the tax bill, itself ), a notice was sent to us indicating the projected monthly payment based on escrow shortage was to increase to over {$1800.00}, as both the tax bill and the insurance bill were paid in full, again immediately before the annual projection was calculated. My income has neither increased nor decreased significantly. Therefore, the initial agreement in good faith, as well as the XXXX loan agreement, both based on a debt-to-income ratio calculated with full transparency of what we are able to pay, bears little resemblance to the monthly payment now owed, at a rate XXXX % higher than what we agreed to just XXXX years ago. We have been late in payment because of the financial hardship a {$400.00} dollar per month increase has caused. Now, we are receiving XXXX and XXXX default notices by mail each day. I have spoken with representatives from the lender, mailed them evidence of income, as they requested, and emailed them requests for modification. I have spent hours trying to rectify this situation and, when I have received a response, it is as if they are hearing this for the first time and are completely unaware of the situation. Or, I receive contradictory information, dated after they have processed a payment, indicating they still have not received a payment. Furthermore, they are requesting documentary evidence that has already been sent. Not only is this causing financial hardship, extreme anxiety, and personal frustration, it is also taking hours of time during which I should be performing my job duties to earn the extra money we so desperately need. It appears that the lender is exploiting a loophole in an otherwise fiscally responsible fixed rate mortgage in order to utilize projected escrow shortage to raise rates such that we are unable to meet timely payment and, thereby, default on our property. We have no intention of foreclosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX. I am told that PennyMac is obligated to return all monies in my escrow account within 21 days. I called PMac last week and was told the check was sent on the XXXX or XXXX of XXXX. I called PMac today and advised them they were in violation of the law as it is now 30+ days since closing. I was put on hold for about XXXX minutes after telling the rep I wanted the check Sent by XXXX. I was then transferred to a voice mail where I repeated the problem and again requested the check which is for about {$400.00}. Your aid is requested and it feels good to have a place to go to when people with wobbly business practices display their contempt for us. Thanks!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: DriveTime
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One day past due and they will call every 2 hours.

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 2022-03-23
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/2013 my husband was terminally ill. We had a modification thru Chase XXXX. The XXXX balloon is due this XX/XX/XXXX. I have tried modification twice with them..No Go. When I questioned the Chase Rep about balloon. I was told I could re modify. Now foreclosure is looming and Chase will get my hone valued at XXXX for XXXX. My question how can a coustomer in in financial hardship expect XXXX years later to come up with XXXX. I feel that Chase didnt explain the process and took advantage of my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I found fraudulent activity on my credit report in XXXX, 2015. 
I disputed the information with the XXXX credit bureaus and filed a fraud alert. 
I also called the XXXX creditors to report the fraud. ( Chase, XXXX, and XXXX XXXX. ) The companies said the accounts were being closed due to fraudulent activity. I have never heard anything else back from them. I have tried to call back and am unable to reach anyone with a record of my dispute. 
The fraudulent activity is still being reported to all XXXX credit bureaus and I have tried to dispute this information again. The companies ( XXXX, XXXX, and XXXX ) do not investigate the fraudulent activity. They call the creditors to verify it is my account and then close my dispute. They are not investigating the fraudulent charges on my account. I have not made any purchases on these accounts. ( Chase, XXXX, XXXX XXXX ) nor any payments. My credit file shows payments being made on these accounts as well, and I have checked my banks statements for the last two years and have not made any payments on any of these accounts. 

I received XXXX transaction history report from chase which was about XXXX pages long and I did not make any of the purchases on the report. 

I have not heard anything else from any company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received negative scores on my credit due to communication errors by the lender ( University XXXX Pennsylvania ) and the servicer ( XXXX, a division of XXXX XXXX ). I made a payment to the servicer XXXX XXXX but they failed to credit this XXXX account and gave a negative credit report that severly hurt my credit score. The XXXX website managed by XXXX that I traditionally used to make payments was not working, and I was directed to make a payment over the phone. When I made the payment over the phone they failed to credit the right accounts, and I was reported to the credit agencies as 30 days past due. In addition, when this account was first brought into repayment, I never received correspondence from the lender nor the servicer regarding repayment, indebtedness, and schedule of repayment and my account went into delinquency and I was given negative reports on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: OH
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:
XXXX  XXXX XXXX  XXXX/XXXX CARD HAS REPORTED TO ALL THREE CREDIT BUREAUS THAT MY ACCOUNT WAS LATE THIRTY DAYS, THIS ALLEGEDLY HAPPENED IN XX/XX/2019. IN XX/XX/2019, MY CARD WAS PAID OFF. THE COMPANY REPORTED THIS ERROR JUST RECENTLY THIS MONTH MY TRADELINES HAVE NEEN NEGATIVELY EFFECTED BY THIS INCORRECT NEGATIVE INFORMATION. I WAS NEVER LATE WITH MY PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have an unemployment forbearance. The unemployment forbearance is currently in effect. 
Problem : The credit reporting companies are reporting me as late, all while the forbearance is in place and the lender does not consider me late. First of all, the forbearance should have been in place months before, I simply did n't remember the option. Second, making me whole ( and I can argue the fairness of whole ) and not late or past due with the company and they get to keep reporting it as late seems unfair and deceptive. 

The CFPB should not allow late payments, which are included in the time of the forbearance, to report as late on the Credit Bureau. This practice serves no purpose, is unfair, and hurts the borrower more than it helps. What 's the point, being late and getting a forbearance, or just letting it all go bad?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loans were with Nelnet. I lost my job and requested a deferment. I got another job paying much less than what I was making, however, I know I still need to pay my responsibilities. I have been trying to get on the IBR income based consolidation repayment program. Nelnet just kept giving me the runaround. Then they made me think that I was speaking with them but was transferring me to a collection agency. I kept calling them. Now they tell me that they sold my loan to XXXX a collection agency. XXXX is not bonded to collect in my state. I have been a victim of identity theft in the past and it was hard overcoming that. Now my identity has been compromised and I am being denied my rights to be on the IBR PROGRAM due to their mishaps. Nelnet have a moral obligation to be honest and if they are selling my information, they need to know that it is with a legal entity. PLEASE HELP ME

Company response to consumer: Closed with explanation