BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened an account with Fifth Third bank on XX/XX/XXXX. I received my retirement income by auto deposit on XX/XX/XXXX. I also had made a deposit of {$500.00} by Phone pic which was a CASHIERS CHECK. I went to bed on XX/XX/XXXX with {$120.00} in the bank. I woke up on XX/XX/XXXX to find that I was negative {$300.00} in fees because they decided that they could read the Computer printed Cashiers check. I took the check to the bank personally and they still want to charge late fees. Now they are going back and simply cancelling all of my payments I made by computer ( Heath Insurance, Car Payments ) to add positive money to their account which is all negative fees. NO END IN SIGHT. They refuse to remove fake negative fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: SUNTRUST BANKS, INC.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I recently purchased a new vehicle through a local dealership in XXXX, VA. The dealer set me up with Suntrust as my lender ( I 'm not sure if this was based on the lowest rate, or that he was incented by Suntrust to push them - He claimed he got box seats to the Washington Nationals game from Suntrust and was going that weekend ). Once I was approved and my loan established, I registered online ( as I 'm an online / digitally engaged person ) so I could regularly pay my bill there. Suntrust does n't allow online payments outside of having an account with them - So I am now being forced to make a financial decision ( open a new account ) with Suntrust to pay them. I called and asked if I was going to have to pay by phone now and they advised that there is a {$15.00} charge to pay by phone. I was not disclosed any of this information when choosing Suntrust as a lender - If I had known they operated this way, I would have chosen a different lender ( even if the rate was higher ). It feels as though this borders ( or holistically lands in ) UDAAP territory as they did not clearly disclose this information to me in making my financial decision.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
Back in XX/XX/2019 I traded in my XXXX XXXX XXXX in which I was going to buy a XXXX XXXX. I was under the impression that I sold the vehicle to the dealership while waiting for my custom vehicle. The dealership provided me a loaner until my custom vehicle was completed. It took longer than expected which caused 2 late payments on my credit. The dealership in fact paid the payments off and sent 2 letters to XXXX XXXX XXXX letting them know it was their fault and excuse the late payments. I received a letter from XXXX asking for documentation. The XXXX dealership again sent them documentation of the transaction and also asked to pardon the late pays again. XXXX XXXX  refused to remove the late payments after the dealership admitting FULL fault of the late payments. I am simply in need of them to remove the 2 late payments on my credit which is creating a hardship on my life. Im not able to obtain anything due to the late payments making my scores drop tremendously on all 3 credit bureaus. I have spoke to several representatives who thought that the credit bureau management team would have the decency to adjust my account. After weeks of begging them they still refused. This was my last resort in order to try to get my life back on track due to someone elses mistake that they took responsibility on.

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 2017-01-12
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in the process of a deed in lieu foreclosure with Freedom Mortgage company. We were told XX/XX/XXXX that we qualified for this type of foreclosure and that the final paperwork was in the mail for signatures. Weeks passed with no word from Freedom and no papers in the mail. I called XX/XX/XXXX to let them know the paperwork never arrived. At this time I was told that Freedom could not proceed without the DMV title. I informed Freedom that there is no DMV title, as it is not a mobile home. It is on a brick foundation not on wheels. We informed Freedom further that we have a VA loan and VA loans can not be obtained on mobile homes, the home has to be on an actual foundation. Therefore this should n't even be an issue. Today Freedom said that the 'title ' says its a mobile home, and that if it is not a mobile home then I need to go to the DMV and fix it. There is nothing to fix at the DMV nor can the DMV give me any paperwork because there is no title, there never was a title because it is not a mobile home. I also asked if they have a so called 'title ' why did they ask me for a title XX/XX/XXXX? No one could answer me. Ive been transferred all over to various Freedom employees and no one can help me because it is underwriting who makes the decisions. The people that speak to me are only relaying what underwriting says. I am also told that it is impossible for me to speak with underwriting. Freedom refuses to finish the foreclosure because of the 'missing title ' which does n't exist. I am unsure how to proceed as I can not produce paperwork that never existed to begin with. Freedom also did n't have the title when they obtained our loan from a different company, nor when they refinanced us from an arms loan to fixed rate loan a few years ago. It is my understanding that if a title existed for our home they would have also needed the documentation at those times. They could n't have had it either of those times either since it does n't exist and I did n't provide it. There was also no title exchange when we bought the home, nor the owners before us, nor the owners before them ( we 've gone through the real estate records trying to find it ) All this is on top of spending over a year trying to sell our home via short sale. Freedom refused to process our request for short sale. They repeatedly lost paperwork and sat on paperwork until it expired, dragging out the process so long that we lost our buyers. After loosing our buyers we decided to just turn over the property and accept the financial repercussions. This whole process has been going on for almost two years and ruined our financial standing all we want is for Freedom to take the property and let us move on.

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 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had 2 capital one credit cards opened in my name in a case of fraud. Capitol one removed one of the cards from my credit report and not the other one. They both were opened within months of each other using the same information. I have tried to resolve this with them multiple times with no luck. This is a serious problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: WI
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 Reporting Act JXXXX XXXX XXXX XXXX  acct 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 an 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 explanation
Consumer complaint received 2022-02-22
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), XXXX : XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of 83,000 USD was transferred from my wallet utilizing Coinbase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been paying on a credit card debt for over a year and to my knowledge the debt has been paid off but the company keeps taking money out of my account. I have been unsuccessful to contact anyone at this company to discuss this matter. This seems like a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My account transferred to Freedom in XXXX. Right from the start I had issues. I called Customer Service because my insurance was paid by the previous servicer on XXXX XXXX, 2016 ( this is confirmed on Freedom 's website ) Freedom then paid my insurance on XXXX XXXX, 2016. I called to get the payment cancelled and the agent was very rude i let her know there were XXXX payments showing on the website and she proceeded to argue with me that only XXXX payment had been made. I offered to wait while she logged onto the website to verify but she claimed there was no way the previous servicers history was on the website ( see attached screen shot its on there ). After getting hung up i finally got to the insurance department whom claimed they stopped the check from going on out. However the check did go out and so my insurance company sent me a refund of {$1100.00} thankfully I knew enough not to cash this. I called my insurance company who stated that Freedom stopped payment on the check and it was not valid. So while my issue is resolved my complaints revolve around XXXX things XXXX the shoddy customer service and the rude agents at Freedom. Second i have sent to email requests to freedom regarding this issue w/no response the first in XXXX which i do not have a copy of and the second XXXX in XXXX ( copy attached ) i have not gotten a single written response from Freedom other than an acknowledgment that they have gotten my complaint and will respond by mail. I work for a mortgage company and was appalled out how i have been treated and how i have not received a response.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: IN
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:
I sent two letters to Experian to have incorrect information verified and removed they refuse to acknowledge my request by sending letters stating I did not provide sufficient identification for them to verify my identity. I submitted with my request twice, life insurance documents, current bank statements and Valid driver license.

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: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank closed my account with out my knowledge. I have never have a negative balance or over withdrawn since I had chase bank! Called to ask why and to dispute their action and they would give me no reason! Now I have to wait 10 business days for a check to be mailed and all my accounts with my bank info have to be changed! Im furious!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I an a JPMorganChase Client, I currently hold a Mortgage and a Checking account with this bank. This morning I logged into my account to discover that Chase had approved an Amazon/Chase Credit Card on XX/XX/2017 with a credit limit of $ XXXX. I called JPMorganChase Fradulent Card department to inquire about this credit card.. non-chalantly the CSR said to me - " If you did not apply for this credit card, we will cancel it, and YOU can notify the credit bureau of fraud ''. I further asked where was this credit card being sent, and I was told it was not being sent to the address on file though they can not provide me this information. I am amazed that JPMorganChase being my banker approved a credit card in my name, linked it to my other accounts without doing the necessary due diligence of a Red Flag that a card was being sent to a different address. 
I again called JPMorganChase later this afternoon to provide this information to me about why and how can they approve a credit card in my name without doing a better due diligence on the application and where was this credit card being sent to? I was told in order to receive this information, I must provide a copy of my identity..i.e. Driver 's License, make a police report, Send a Miscellaneous Incidence Report and provide an affidavit of this claim. 
I find this very disturbing that my bank issued a credit card in my name without asking for identification, yet at this time I must provide proof of who I am ; as my banker who holds my Checking account and my Mortgage and with the array of cyber fraud, JPMorganChase should be held responsible for higher due diligence standards. 
Please help me to hold JPMorganChase responsible for this poor due diligence, and take responsibility for this by providing the information to me on this application. It makes more sense to have this information before I can file a police report. 
I do not have the credit card information that was issued, I believed the last four digits I saw was XXXX, before it was removed from the link on my account. I have reported the fraud to all XXXX ( XXXX ) credit bureaus. I have also requested that Chase remove this hard inquiry on my credit reports because it is affecting my Debt to Ratio credit score. 
Thank you in advance for your usual prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: Focus Holding Company
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have never had an account with the XXXX cable that my debt originated from. They sent my case to Focus RM collections, and I ca n't get a hold of anyone to resolve the issue! I 'm so frustrated and confused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
i bought my house XX/XX/2011 Originally when I sign up the loan with XXXX bank I have private mortgage insurance added to my loan and the agreement was i have to be five year paying on time and it will be remove. my loan was sold to XXXX and now its currently with planet lending now it being five year paying the pmi. i am asking them to remove my pmi and they are giving running around and they cant not remove it

Company response to consumer: Closed
Consumer complaint received 2021-01-27
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The representative contacted my mother after not being able to reach me on my line. Once I got to the phone, I attempted to inform the representative that I would send a written response to the letter I received in the mail within the 30 day response period. 

The representative then began to get hostile, unprofessional, abusive, and back me into a corner to force me to accept responsibility for a debt that is an inaccurate reporting. I informed her that I would be disputing the account in a written response but she attacked me in a manner that was extremely disgraceful. I do not appreciate being spoken to in a condescending manner or harassed after I repeatedly asked her to stop. I would like to have no further contact with this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: TN
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:
PLEASE BE ADVISED THIS IS MY 2ND REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. 





Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Phoenix Financial Services LLC
State: FL
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: MONEY SOURCE, INC., THE
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX Money Source bought my loan. I mailed my first payment and did so consecutively for the next 10 months. In XX/XX/XXXX, Money Source wrongfully reported me to the credit bureaus. In XX/XX/XXXX, I received a letter from Money Source indicating I was one month past due. I reached out to Money Source immediately by phone, calling up to four times a day without getting through and extensive wait period. I have proof of my payments to Money Source. I reached out to the XXXXXXXX XXXX  XXXX Program Manager. As of date its been no real dialog and still no monthly payment history sent from XXXX. In good faith I sent my monthly payment in XX/XX/XXXX of {$3000.00} to only have the check returned with a letter stating due to the foreclosure status they can not accept it. No other options of repayment was offered. XX/XX/XXXX I wrote a letter to XXXX XXXX, at XXXX XXXX XXXX Attorney at XXXX. I requested a copy of payment history and informed them that my mortgage payments were misapplied. The reporting of fraudulent/incorrect information to the credit bureau XXXX XXXX has hurt my credit worthiness. It seems like the accounting and numbers are not in line. From day one Money Source Inc. just did not feel right. ( Note this all happened within 6 months into XXXX buying loan ) ( see documents attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: CT
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation