BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My 5th 3rd Credit Card increased its bank hold period by 10 days without informing me. I payed {$250.00} to pay down this line of credit, but they put a hold on receiving the payment, effectively denying me the use of this credit until it clears, which has never happened before. Whats more, this credit line is used as overdraft protection for another 5th 3rd account, with a {$12.00} fee assessed for using this credit card in this fashion. I over-drafted by {$88.00}, expecting my credit line to kick in ( {$12.00} fee ) and transfer {$88.00} from my credit account, but nothing happened. I was assessed an over draft fee of {$74.00} dollars by my bank instead. Customer service indicated that my {$250.00} transfer to my credit card was on hold and it was the reason my overdraft protection did not work. Both the credit card and bank account are administered by 5th 3rd Bank. Had I known they could hold my credit card payment for 10 days, I would not have transferred the XXXX to my credit card account yesterday and would have left it in my original bank account, and would not have over-drafted at all. I find it really convenient for 5th 3rd that I did not pay {$12.00}, but instead now have to pay {$74.00}. I believe they did this on purpose ; and strategically used this holding period to push me into overdraft and charge higher fees. By effectively not allowing my credit payment to post, they invalidated my overdraft protection, so they could garner higher overall fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
What do you think would be a fair resolution to your issue? 
should have forbearance from XXXX to XXXX ( when I became employed ). 

Then from XXXX, I would be due the outstanding balance and be back on my original loan. 

However, Freedom Mortgage failed to process my forbearance. Instead, they are restructuring my loan at a higher rate and with a higher principal to capture the amount that should have been on forbearance because they failed to process my forbearance in a timely manner in XXXX. 

I requested the forbearance in XXXX and the forebearance should have been processed in XXXX before I became employed in XXXX. However, due to Freedom Mortgage 's negligence, the forbearance was never processed and instead, Freedom Mortgage is restructuring my loan since we are now in XXXX. 

Please process the forbearance with a date of XXXX and update my accounts. 
Please send me the full amounts due as of XXXX XXXX, 2016 and I will issue payment. 

Then I will be back on my original loan with the original principal and interest rate rather than the inflated principal and interest rate as a result of Freedom Mortgage 's negligence. 

Once the forbearance is on my account, then the credit bureaus will need to be contacted to revise my credit scores since I am not past due but in forbearance. Then my credit will be better so I can move to another lender in a year. 

Right now, because Freedom Mortgage has failed to process the forbearance and is moving to a loan restructure, I have a more negative credit as a late payment rather than loan on forbearance. This makes it impossible for me to move to another lender in the future and forces me to remain with Freedom Mortgage at a higher principal, higher interest rate and in a loan restructure I did not consent to. 

Had they processed the forbearance request in a timely manner, then I would just pay my amounts due as of date of first employment and be back on my original FHA loan. 

Freedom Mortgage is using their own negligence to force me into a new loan with them and exclude me from being able to borrow from someone else and get away from their unprofessionalism.

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 2016-03-15
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XXXX XXXX, XXXX, my loans were transferred from XXXX to Navient. I have continued to pay more than what is due on time every month. Now, it is time to re-apply for Income Based Repayment plan. I submitted the application through Studentloans.gov, and then received an email back from Navient on XXXX XXXX, XXXX stating that they had received the application. On XXXX XXXX, XXXX I received another email from Navient stating that my payment amount had gone up. Since my income had decreased, and I had applied for IBR, I knew this was innacurate. I emailed them back stating the problem, and received a confirmation email on XXXX XXXX, XXXX that stated they had received my inquiry and would get back to me soon. I never heard more about the matter. Then on XXXX XXXX, XXXX I received an email with yet another new payment, this one a few dollars less. On XXXX XXXX, XXXX I called to get the problem fixed. They told me they would defer my payments for a couple of months, and give me time to complete an IBR application. I told them I already had, and that they had emailed me that they received it. The person I spoke with said to wait until the end of the week. On XXXX XXXX, XXXX, they emailed me three times. One that gave me repayment options. The second that said there was a new document to view, which was information on how to submit the application for IBR. This email states that the best way to apply is to go to Studentloans.gov and apply. I have already done this. The third email said they were still waiting for me to submit the information to process the request. I have no idea what information this is. On XXXX XXXX, because I still had n't heard anything, I decided to submit the IBR application again through Studentloans.gov. On XXXX XXXX, XXXX I received an email again from Navient that they had received the IBR application. On XXXX XXXX, XXXX I received another email from Navient that showed my payment had again increased even higher. Then on XXXX XXXX, XXXX, after hearing nothing from Navient, I again emailed to get the problem fixed. They sent an email of confirmation that my request had been received. And today, XXXX XXXX, XXXX, I have received another email from Navient reminding me that I need to return some sort of information to process my request. But it does n't tell me what this information is that they need. When I go to my account on the Navient webpage, no where does it say that I have to submit any information. In fact, I ca n't even find the documents that have been submitted until I go to the old website. I have been doing my best to pay off these student loans with the limited amount of finances I have. Navient has just given me the run around, and increased payments so that I can not afford to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom It May Concern, On XX/XX/XXXX I was looking at my credit report and noticed inaccurate information. 

Derogatory marks XX/XX/XXXX it says XXXX XXXX  XXXX {$130.00} Is owed. I had called this company many times in the past as this was all taken care of and there customer service reps had said they would remove from file. For some odd reason It is still on there. But was taken of. There was additional fee 's than it was fraud and never authorized by me. 

Inquiries XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX ( both companies I had called as neither company had I signed anything or applied for anything and to the best of my knowledge was fraud and unauthorized by me. Both companies agreed to remove from my file but for some reason still there. 

I have attached the false inquiries picture on here so you guys can see it

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 2015-05-08
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been applying for a mortgage through US Bank. I use a local bank and they sell their loans to US Bank. The Underwriting team at US Bank has been completely unprofessional throughout the process. Whenever they have requested documents I have provided them in a timely manner. After that happens the underwriting team changes what they need. They have been unavailable for any discussion and continually put my loan request at the back of the pile with no regard for my scheduled closing date. My closing was scheduled for last Thursday at XXXX. At XXXX that day, obviously 4 hours prior to closing, US Bank made up a new issue that prevented me from closing. I immediately took care of that issue, and yet we are now a full week since that time and the Underwriter is showing no urgency at getting back to my file. I am sitting and waiting. I feel that this is an unacceptable way to treat a customer, and simply an unacceptable way to treat a human. When I have tried to resolve the matter with US Bank they tell me that they can not help me without a loan number, but my issue is the failure from US Bank at processing my loan request so I can not provide a loan number. It also takes a full week for US Bank to respond asking me for my loan number on a complaint involving them not finalizing my loan. I wish I had a loan number, if that were the case I would not have a complaint. I would like US Bank to treat me as a valued human being and resolve my issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I purchased cruise tickets using my Chase card because of the built in travel insurance. After we boarded the ship, we discovered that the itinerary had been changed. Instead of travelling to the XXXX, the ship was going to XXXX, to which I did not want to go. I called Chase and asked whether I could cancel the trip and get reimbursed for the cost of the cruise using the Chase travel insurance. The Chase representative said yes, so I left the ship. 
When I filed a travel insurance claim, it was denied. The reason it was denied was because the cruise line offered me " something of value '', so they do n't have to pay the claim. Only if the cruise was cancelled would the travel insurance pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
This statement is not new, just an update. Years ago I wrote about the foreclosure on property that was mortgage. I also explained how the mortgage company lied and falsified documents. Now, here we are in 2013, and I still have the same problem. No attorney will help, but that 's ok. I am in a different phase. At the time of requesting help, the house was livable, now it is falling apart and still, no help. I have XXXX situations and need directions. First, the house deed is not in my name, went to court, judge ruled in my favour that I could not by evicted from property and not to pay rent. Second, it have been some years and because this house is not in my name, no work was allowed, not even a roof after the hurricanes past through. Now here is where I need some advice, the address that was mortgage is a vacant lot, but the house sits within the perimeters. In other words, I pay a light bill and water bill where a house should be but is not. It is a vacant lot. Now, I have not heard from Chase bank who foreclosed on the property over XXXX years ago. At one point they would send someone out to check on the property ( house ) that they believed they purchased and cut the grass. But that soon stopped. After that, there was a call from an attorney in the XXXX XXXX area that called to ask me questions concerning the signature of a family member that was not notified about any of the court proceedings that lead up to the foreclosure. He said, no wonder this file was sent to me, who is XXXX, and why her name is not on these papers. I told him the long story of what happen and that was the last time I heard from anyone. I do n't know what my options are, just puzzled. The electric and water bill is affiliated with the house, is not the address on the bill. The vacant lot do not have a house on it, but that is the address where I pay to have service. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Alorica Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from SST saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX  ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX XXXX in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of XXXX of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2018 my XXXX year old saw a doctor. She has VA XXXX at the time. After MULTIPLE harassing phone calls to not only my phone, but the mother of my daughter, she called and for the 3rd time gave them my daughters insurance information. Which they continued to bill me instead of the insurance. I verified that the insurance was active at that time.

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 2016-01-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My Chase Mortgage Statement has XXXX payment options. I was reviewing the option to pay the mortgage off in 20 years but the payment amount indicated on the mortgage statement did n't make sense. I manually calculated the payment and came up with a payment roughly {$2000.00} less each month. I checked and rechecked, assuming I made a mistake. Then I phoned Chase, the customer service agent pulled up her copy of my statement and insisted the statement was correct. As we continued the conversation I explained what I thought was incorrect and eventually she manually calculated the payment herself and admitted the statement had bad information. However, this loan has been an interest only loan so the principal amount has been about the same throughout the last nine years. She then went on to tell me the 20 year amortization is actually based on 12 years. I questioned that since the statement says it 's based on 20 years but she said the calculation was fixed at the time of origination and that would have been the payment if we had started making the 20 year payment at the time of origination. That does n't make any sense and is misleading. There is still 21 years left on the mortgage and basically no principal has been reduced so 20 years should be 20 years and not 12. I think their making excuses for a glitch in their mortgage statement and instead of admitting it was an error they 're trying to say 20 is actually 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One is putting fake information on their website. They have 0 % APR for 15months on purchases and balance transfers. I applied and went I received my card all the information given on website was fraud. My APR said it was 26 % with no and never said anything about the offer they offering which was the 0 % APR for 15months. I called Capital One customer service to see what was going on. Thinking they maybe had done a mistake. To start off they had me on hold for 10mins trying to figure out what happen. Person I was talking to said I apologize and didn't know what else to say. I asked to talk to the manager which she kindly transfer me to their account manager. And again same thing he said was Im sorry, but we have on file is that theres no 0 % APR for 15months. He said it all depends on your credit score, but lies the website says ( if your approved the APR will depend on your credit score never says depending on credit score you'll be eligible for 0 % APR for 15 months. I had to canceled that credit card and take the fact that my credit score will be affected. Who knows what else they are lying about I didn't want to took the risk and canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: PA
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:
I do not recognize the following accounts listed on my credit profile ( accounts ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me! I AM NOT A CREDIT REPAIR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ftc violations XXXX XXXX : If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX XXXX : FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers Paychecks SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE  XX/XX/2011 TAGS : Consumer Protection After the Federal Trade Commission filed an action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers wages has agreed to stop the challenged conduct pending trial. 

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that XXXX XXXX, XXXX, doing business as XXXX XXXX and XXXX XXXX XXXX, along with other defendants, illegally attempted to garnish consumers wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges. 

According to the FTC, defendant XXXX XXXX XXXX operates XXXX XXXX, XXXX, and several related businesses in XXXX XXXX, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of {$300.00} to {$2500.00} to consumers throughout the country, advertising on television and through websites such as XXXX and XXXX. 

XXXX inquires : creditor contract XXXX XXXX XXXX XXXX XXXX XXXX ( twice )

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 2017-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
Portfolio Recovery Associates LLC ( PRA ) is a collection agency contacting me about a previous debt {$470.00} with XXXX XXXX Bank. I mailed a certified letter to PRA on XXXX/XXXX/XXXX requesting debt validation ( see attached ). On XXXX/XXXX/XXXX, PRA responded but failed to validate debt. On XXXX/XXXX/XXXX, I mailed a letter to all three bureaus advising that PRA is reporting a debt that has not been validate. According to the Federal Credit Reporting Act, it is unlawful to report unvalidated debt on my credit report. I also mailed a letter to PRA advising them that the bureaus have been notified of their failure to validate the debt. In XXXX XXXX, the debt was removed and re-inserted. Please assist in collection removal from my credit report. PRA has not validated debt by only providing a debt summary instead of providing proof of actual document that created the debt. XXXX, XXXX and XXXX are illegally reporting an unvalidated debt. Also neither bureau has advised me of the collection re-insertion, also violating the law. Please assist, the illegal reporting of the debt on my credit report is a defamation of character and against the law. Please assist.

Company response to consumer: Closed with explanation