BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to American Express on XX/XX/2022 for the XXXX XXXX XXXX American Express Card. On XX/XX/2022 the decision was made and I was denied. The reason for the adverse action letter states : My FICO score. My reference number is # XXXX. Attached is the company adverse action letter and how they violated me and federal law by Pursuant 15 USC 1642, 15 USC 1681M and 12 CFR 1002. This is clearly a case of discrimination and adverse action and I demand American Express to comply with Federal Law regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
About XXXX years ago, I modified my mortgage terms under the Home Affordable Modification Program ( HAMP ). XX/XX/XXXX I found out I would be eligible for a {$5000.00} credit towards my principal balance sometime during XX/XX/XXXX because I made all my payments on time. My mortgage holder is Fifth Third Bank, XXXX XXXX XXXX, XXXX OH XXXX. In a letter dated XXXX XXXX, XXXX, they informed me that the {$5000.00} credit would be forthcoming and that I had a choice of either shortening the remaining term of the loan or getting a lower monthly payment, and that the offer expired on XXXX XXXX XXXX. I called them XX/XX/XXXX and told them I would like to elect the lower payment option. Their letter stated that the effective date of the payment change would be XXXX XXXX XXXX. In XX/XX/XXXX they told me that the paperwork had not been completed and I would have to pay the normal higher payment. XX/XX/XXXX they told me the same thing, and I again had to pay the normal higher payment. My latest monthly mortgage statements show that the {$5000.00} credit has been applied to the principal. XX/XX/XXXX I received another letter from them that required my notarized signature to amend the terms of the loan, which I returned to them last week. I called them and they told me I would not be able to receive a partial refund of the excess payments I made XX/XX/XXXX and XX/XX/XXXX, nor would there be any additional reduction in the principal balance for the excess payments. They have not given me a firm figure on my new lower payment, but I believe the total new payment for PITI will be about {$80.00} to {$90.00} per month less than the {$530.00} I have been paying the last several months. My payments are current and I have not had any late payments. I do not know if they will grant me the new lower payment this month ( XXXX XXXX ). I feel they are just dragging their feet on this issue to extract extra interest out of me because they feel they can get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
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 had my property appraised. My certified appraisal revealed that due to the improvements I had made to my property that the value has increase substantially. I contacted my lender on XX/XX/XXXX to inquire about how to request the removal of my Private Mortgage Insurance premiums. I informed the lender about the recent appraisal. I was told to fax or mail a written request along with a copy of the appraisal to their escrow department. I complied and sent a formal written request for the cancellation of my PMI via fax on XX/XX/XXXX. I was told I would have a reply in 5 business days. After this time, on XX/XX/XXXX I called back to verify that my information was being processed. I was told that my information was never processed because I did n't have my mortgage number on the fax cover sheet. So on XX/XX/XXXX I resubmitted my written request via fax ( confirming the fax number ) and adding my mortgage number to the cover sheet and ensured that there was nothing else that I needed to add for the request. I also mailed a separate copy of my written request and copy of the appraisal to the address provided. On XX/XX/XXXX I called again to find out the status of my request. Once again I was told that my request had not been received or processed. The customer service representative then told me that it did n't matter anyway because I would not be allowed to cancel my PMI until XX/XX/XXXX regardless of my LTV or a subsequent appraisal if the appraisal was n't provided through my lender, despite the fact that I had a certified appraisal report. I was told XXXX separate things from XXXX different employees. My request was never acknowledged as received or reviewed. No notification was provided to me to indicate that more information needed to be obtained or that a lender requested appraisal was required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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 sent disputed to Transunion, XXXX XXXX  XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Dear Consumer Financial Protection Bureau : In reference to the original CFPB # XXXX XX/XX/XXXX is when I initially contacted you about Equifax and it's business practices and the lack there of. They recently sent me a letter in the mail and have failed to block per my request the items on my credit report due to fraud and have asked me referencing 605B of the Fair Credit Reporting Act also asking me to provide a copy of my competed Identity Theft Report, with the Federal Trade Commission Affidavit or a Police Report. I have sent this each and every time and Equifax has failed to block the erroneous information, the same documents they are requesting have been attached to my complaint each time FTC report number XXXX and XXXX Police Report # XXXX Equifax is simply matching my name and an address and not providing any documents they have received. They are merely using the an electronic system. 

I have attached the letter I received in the mail dated XX/XX/XXXX that advises me of their lack to follow credit reporting procedures accurately. I have also attached to you again the FTC report, the XXXX Police report for the XXXX time which they seem to be ignoring. It seems more of a stall tactic because they are paid by companies to hold negative and positive information. I have sent to Equifax my Drivers License, FTC report and XXXX Police report several times. Original FTC report from XXXX attached as well. 

I demand that they promptly follow the proper reporting procedures immediately and delete the items that was involved in my identity theft case. 

All documents are attached again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a XXXX mortgage line of credit a number of years ago through XXXX XXXX XXXX Bank. I paid every payment on time. XXXX XXXX XXXX Bank was bought out by BMO Harris Bank several years ago. The line of credit loan continued as it had with XXXX & XXXX Bank. I continued to make payments on time, never falling short even one time. In the fall of XXXX I received a letter from BMO Harris bank stating they were discontinuing this type of loan and called the note due in XXXX XXXX. Even though we were very ill prepared to refinance, we took the fall to attempt to prepare our home and our finances for this transition. I went XXXX Bank to secure a mortgage to pay off my XXXX mortgage and the note demand from BMO Harris. When our home appraised for less than we hoped, we had to shift to a XXXX and XXXX mortgage. 
We were able to secure a payoff on our XXXX mortgage with XXXX Bank. We requested and received a payoff amount from BMO Harris Bank, however after accepting our payoff check, they decided to add a very large fee and refused to release the note. I have contacted BMO Harris Bank several times in this matter and they insist on charging this exorbitant fee. Large businesses such as these have a big advantage over the general public. They can bully the average consumer like me since I have no resources to battle against them. I struggle from paycheck to paycheck while they simply expect me to fork over an additional {$900.00}. This is a predatory practice that should not be allowed. I have faithfully paid my XXXX & XXXX mortgage on time, every time to XXXX Bank since. 
I do find it very strange that a company that I never seeked to do business with now has a stranglehold over my life and finances. To a normal middle class working family, this seems mighty unfair. I would appreciate some intervention in the matter. 
Thank You XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I sent a letter to FIFTH THIRD BANK letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and FIFTH THIRD BANK refuses to delete the fraudulent accounts from my credit report stating in a letter it 's verified. FIFTH THIRD BANK provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to all 3 credit bureaus about hard inquiries and the soft inquiries from pre approved credit cards on my accounts. I have had security freezes and active fraud alerts on all three credit bureaus agencies for years now because I was a victim of identity fraud. I have called and now sent letters to all three bureaus to erase the hard and soft inquiries that are not related to XXXX XXXX, XXXX, XXXX, XXXX  XXXX  XXXX XXXX. The rest need to be taken off and they all keep giving me the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom mortgage has failed to pay my property taxes for XX/XX/2016 to the XXXX county treasurer. I know have a delinquent tax notice out against me when I have done nothing wrong as it was suppose to be paid from escrow. Freedom mortgage, has been extremely difficult to work in getting this situation resolved. They are stating they will not have resolution until the end of XX/XX/XXXX which is unacceptable since I have been working on this for almost a month when I found out. I need resolution of this as I pay my bills and have done nothing wrong. Freedom mortgage needs to take care of their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Trailing interest or residual interest on clearly stated on terms and conditions. 
Capital One is taking advantage of me by posting erroneous finance charges to my account. I had a balance on my credit card that I paid in full. 
This was applied to my account on XX/XX/2020. I was then charged two different finance charges on XX/XX/2020, one for a cash advance ( which I have never requested since I had the card ) and another for purchases ( none were made ) totaling up to {$14.00}. 
I understand the concept of trailing interest or residual interest, however, this is not clearly stated in the terms and conditions of the contract that I entered into with Capital One. I could not even find it mentioned at all. 
I called the company and was told by two representatives that the charges will not be removed and I will have to pay it. The problem I have with this is the interest was calculated erroneously. How can I be charged interest on {$0.00} only because their system said I was supposed to pay on a later date than I did? The company retroactively charged me on a balance that no longer existed. I want them to remove fraudulent finance charges off my account. I did not make any purchase and I did not request a cash advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Monday, XXXX XXXX, my car was repossessed from the parking lot at work. I pay my loan through Fifth Third Bank, and have made regular monthly payments ( plus extra ) for the agreed amount when I purchased it. According to the bank, I did not have full coverage insurance ( which I did. They had my policy number on file when i called to investigate. ) they then said they had sent me letters, but they had miss-typed my address by XXXX digit, so i did not receive any notice. In XXXX, 2015, I was made aware of the insurance issue, told them that there must have been a misunderstanding and had the declaration page faxed to them and also XXXX to my work ( which I still have on file ) I faxed over the same information on XXXX XXXX. The insurance branch reversed the charges accumulated, but collections still demands i pay all of it including : {$1200.00} for what i supposedly owe, {$89.00} for late fees, {$560.00} for the repossession fee, and any extra fees for me to release the car from the lot. There are several complaints similar to this XXXX on the internet that i have read in regards to Fifth Third Bank. I have personal property in my car. I do n't know how or why things have gone to this seeing as how i have made my payments every month. I do n't know how I will keep my job that is XXXX miles away. And I also do n't know if I will continue to be charged after my car may be sold off. Please help if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital One XX/XX/XXXX Attn : General correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Dear Sir, I opened the Capital One Venture card in XX/XX/XXXX. Because of the accumulating mileage service, I tried to use the card in every opportunity and I accumulated XXXX miles. I hooked up my bank account and I paid all the amount owed, however, there was 2 times when my bank did not have enough funds. On the same day, I deposited fund to my bank account and paid the balance. I was never late for the amount due, but the Capital One decided to close my account without my authorization. I called the bank asking for the reason for the closure. They said that its because I had not enough funds for twice which is ridiculous since I was never late for the payment. I was trying to pay off as much as possible to avoid the interest. 
In my opinion, they closed my account since I am not paying any interest. This is the clear violations of the business policy and also trying to rip off customers. Even if its their policy, the mileage which I accumulated should be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Freedom Mortgage acquired my loan, then immediately contacted me about a payment lowering, no money down new mortgage. This proved to be a bait and switch as after months of wrangling, they insisted I come to the table with as much as {$18000.00}.

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 2020-01-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There are several items that are inaccurately reporting on my credit report. I have notified the credit agencies of these errors and they have not fix these errors. Please assist me in getting these errors removed. These credit agencies are intentionally disregarding the FCRA. 

XXXX is inaccurately reporting that i was 30 days late in XX/XX/XXXX. This is not accurate information. I have asked XXXX for proof of these lates and I have not received any documentation of this late. So how did you receive documentation and i have not. 

XXXXs is inaccurately reporting that I was 30 days late in XX/XX/XXXX. This is not accurate information. 

Transunion is inaccurately reporting that XXXX XXXX was 30 days late in XX/XX/XXXX. This is not accurate information. 

ACCOUNTS AS A RESULT OF IDENTITY THEFT : EQUIFAX is reporting an UNKNOWN COLLECTION ACCOUNT - that was opened on XX/XX/XXXX with a balance of {$100.00} ; this is not my account. Please remove this account from my credit report. 

UNKNOWN COLLECTION ACCOUNT - that as opened on XX/XX/XXXX with a balance of {$0.00} ; this is not my account. Please remove this account from my credit report. 


Please remove these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
AMEX XXXX These people are complete slime. They knowingly provide a vehicle for organized crime, XXXX traffickers, and money launderers to run their scams and get paid through credit card swipes instead of cash. Some of the front businesses laundering money that AMEX cards are used in employ victims who don't speak XXXX and are solely being used as slaves in the XXXX XXXX XXXX  industry. 

We paid them off anyway just to get rid of AMEX. AMEX makes millions from this activity and interest payments on obscene charges and they hide behind the law and their terms and conditions. They are also liars who have a legal department who puts things in writing and then ignores it because they assume they can push anybody around. They are bankers for criminals. 

This is solely filed for any federal law enforcement agency who cares to bust this scam to contact me at any point in the future. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
To whom it may concern, I feel that freedom mortgage is intentionally delaying the approval of my home refinance in order to gain more money out of me thru the increased fees of a rate expectation. On XXXX XXXX. XXXX I filed an application to refinance my home mortgage to pay off my credit card debt that I occurred in the repairs of my home. XX/XX/XXXX I called XXXX to see if I was approved and I was informed that my application was canceled and no explanation as to why. So I re applied at the same interest rate and the same amount to be borrowed. It is now XXXX XXXX, XXXX and I still have no approval on my refinance and I received a notice of unrealistic demands from freedom mortgage In order to come to a decision. 1. Freedom mortgage wants XXXX from all of my employers in XXXX by XXXX XXXX. By law employers have until XXXX XXXX to send out XXXX and I have not received mine so I can not comply with the demand from freedom mortgage. 2 I have given freedom mortgage all the documents that were requested of me in a timely manner and gave my reasoning as to why I did n't have some documents in my possession and freedom mortgage knowingly understood and accepted my justifications. I will not be held responsible for the delay of the approval of my refinance or any changes included by the inaccuracy and unorganized ethnics of freedom mortgage. 
Thank you for your time in understanding my concern

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