BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX took a few hundred dollars of tee time money from our golfers and were not supposed to ; we asked them to stop and send it to us and instead they did it again. We asked for it back and waited a couple weeks, then asked again. We finally got frustrated with the way they do business and went with a different golf software. They never sent the check. This began in XX/XX/XXXX. 

About 4 weeks later they contacted us asking for payment and we told them we have clearly not been using their software. They threatened us and we told them to cease and desist since they breached the agreement and we went with an honest software provider. They are a very dishonest company and so is the collections firm. 
the collections company stated : " Satisfactory arrangements have not been made to resolve this obligation to our client. As a construction and building material company, our client has specific remedies at its disposal to pursue satisfaction of the above referenced account. '' They are a tech company providing cloud based software solutions to the golf industry, they are lying and saying they are a " construction and building material company '' so they can utilize collection methods that would otherwise be illegal. This is fraud and a material fabrication. This are a couple of very dishonest companies and they should be investigated. I have heard a lot of other golf courses left XXXX  due to their dishonest business practices. Our lawyer is sending this collections firm a cease and desist. We would appreciate some help as what they are doing is definitely illegal. 

XX/XX/XXXX An email was sent to us requesting we pay {$4300.00} this is false, we have yet to receive a check back from them

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 2020-01-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019, I received a promotional offer to my XXXX account, XXXX from XXXX, titled : Explore More : Score XXXX Bonus Points. In the body of the message, it states : XXXX, earn 75,000 bonus points with the Marriott Bonvoy Boundless Credit Card when you spend {$3000.00} in the first three months from account opening. 

This message was received on XX/XX/2019 at XXXX XXXX, I then clicked on apply and applied for the card after receiving this e-mail. I spent over the {$3000.00} amount, and in XX/XX/2019 I called chase to ask about my rewards points. The chase representative told me I should receive them in XXXX. By XX/XX/XXXX I still had not received my points, so I called again, and was told by chase that they would issue a request to the marketing department to see if they can switch my promotion offer. Apparently, my 75,000 bonus points offer was never applied to my account, and some other promotional offer was on my account instead. The representative said I should receive a letter in 1 week explaining the decision. 

It is now XX/XX/2019, and I have never received the letter. So I called Chase again, and was told over the phone, that chase marketing has decided to deny my request, as : too much time has passed. 

Chase has failed to correct this situation, and I could use help from the CFPB to resolve this matter and ensure it does not happen again to other people. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: JPMORGAN CHASE & CO.
State: PA
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 the consumer applied for a jp Morgan chase flex card on XXXX XXXX for a consumer open end credit plan I was denied instantly and later was sent a adverse action letter in the mail I sent the company two follow up letters trying to resolve this fraudulent denial inside my letters I broke down full details on how they violated me and broke the law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
BETWEEN XXXX XXXX,2017 THRU XXXX XXXX,2017 I HAVE OVER XXXX UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: SUNTRUST BANKS, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/XXXX on or about XXXX one XXXX truck was repossessed at XXXX XXXX in XXXX Maryland when payment was not due. Suntrust Bank had to return the truck promptly. I filled a complaint out and nothing happened. 
In XX/XX/XXXX Suntrust XXXX XXXX of XXXX  Maryland returned my payment saying that SunTrust had charged off the account, even though payments had been made without any due at that time. I have enclosed the Money Order that XXXX XXXX Suntrust XXXX XXXXXXXX had returned. I then called Suntrust and spoke to a CSR and she stated why had I not made all the payments with my bank card and said I stilled owed {$3200.00} and unless I make a agreement I will not get my title. That is one " mistate '' in XX/XX/XXXX and another huge mistake in XX/XX/XXXX. No excuse for this type of banking. I also have requested statement 's from them for ten years, but the prinicipal owner is in bankruptcy but I am not and I have made the 100 payments.

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 2020-01-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I paid to ship a package with USPS on XX/XX/2019. The package was requested by USPS to come back to me at the end of XXXX but it ended up being lost. USPS allowed me to file a claim but has refused to honor the insured amount of XXXX. 

I filed a dispute with wells fargo of the amount of postage I paid since USPS has not provided the service I paid for and has denied my appeal multiple times and are refusing to accept any responsibility. USPS accepted my package with no issues and knew what I was mailing as the contents were on a customs form they reviewed before I paid which they put on the outside of the package. 

Wells Fargo is refusing to help me with getting my money back for the service I paid for which was not provided.

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 2017-01-28
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My loans was with XXXX XXXX now there with navient and from what it look like they are over charging me for these loans they keep adding way to much money on my account I really do n't owe that much

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My current mortgage co. Freedom Mortgage, called and offered a refinance, but after I TOLD them my wife had an open credit fraud case they stated they could n't run either of our credit reports. We agreed on a recorded phone call I would consider a refinance in a few months. 
The next day a title co. called me regarding a refinance with Freedom mortgage. Also, when I called the Freedom mortgage loan officer he told me he ran my credit after an agreement I would not consider opening a refinance with them.

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 2016-01-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Something is not correct Fifth Third Bank has not computed the numbers right, in 2015 i have made all 12 Mortgage payments of {$1000.00} Plus and with each payment {$570.00} x XXXX is {$6800.00}, which the XXXX x {$570.00} going into my escrow account, fifth third is playing very hard with me and telling all you get is {$14.00} i previous had a balance left over in my escrow account of about {$1400.00} this total is was to suppose to be {$8300.00} after all payments are paid out for Disbursement, The items to be paid is my home insurance which is {$650.00}, Taxes {$4200.00}, PMI {$410.00}, and 2 months of Cushion of {$810.00}, i asked fifth third bank where is the balance of the funds in my escrow after all item have been paid and the balance should be {$2200.00} as an overage, Fifth Third Told me that i do n't have any overage in this amount only {$14.00} plus, Something is not right, can you please help me to figure out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I paid my Private Student Loan XX/XX/XXXX and was informed by the collection department my paid off letters would be generated and i would receive it in the mail 30days. Never received them and called mid-end of XX/XX/XXXX and was told my letters were mailed out but i never received them. I was informed they will send out a new copy and if not received to call back and have it generated through e-mail. XX/XX/XXXX I called and they indicated no letter was ever generated and it takes 2 billing cycles for my paid off letter to come. Called again XX/XX/XXXX and they were even ruder and not very helpful with my situation. I paid off my Private Student Loans and want my paid off letter and the right answer. All I am getting is the run around. The Loan provider is Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: DISCOVER BANK
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told them they have the wrong number and the person they are looking for does not live here, has never lived here and I have never even heard of this person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Back on XX/XX/XXXX we did a Loan Modification on my home. At the time that the modification was done the principal balance was around {$190000.00}. But, keep in mind that when Freedom Mortgage took over the loan XX/XX/XXXX my principal was {$190000.00}. So, when the loan was modified back on XX/XX/XXXX my principal balance was {$140000.00} and {$58000.00} was put to a Subordinate Note. Adding that up come to {$200000.00}. That is more than the original principal balance of {$200000.00}. 
When all the paper work came to me from XXXX XXXX the only things was the Subordinate Note and Subordinate Instrument. NEVER HAVE WE GOT A FEE BREAK DOWN SHEET OF ANY SORT. I HAVE TRIED TO CALL LOANCARE BUT NO ONE WILL TALK TO ME, THEY TELL ME TO CALL FREEDOM. WHEN I CALL FREEDOM MY CONTACT PERSON DO NOT UNDERSTAND WHAT I AM TALKING ABOUT. AT NO TIME I WAS TOLD THAT ADDITIONAL MONEY WOULD BE ADDED TO MY LOAN. ONCE AGAIN, WE NEVER GOT A BREAK DOWN OF THE FEES EVEN WHEN WE RQUESTED THE INFORMATION AGAIN. 
Please understand that LoanCare, may have done a fraudulent and or misrepresentation on your behalf. This will sever as notice to you. And a copy of this is been sent to Loancare as well.

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 2020-01-14
Company: Experian Information Solutions Inc.
State: FL
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 has sent me a statement stating the account is paid in full and closed. i sent it to experian for them to fix and 3 times they do not fix the error. I want it to reflect paid and closed. Thanks XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: Waypoint Resource Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: BB&T CORPORATION
State: SC
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 reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

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 2016-09-29
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX and Freedom Mortgage are not transferring my funds to make my mortgage payment. My account has been ignored more than twice and no one is taking responsibility. I have spent so much time on the phone and they insist on ignoring my issue. I feel threatened. I feel like they want to obtain a foreclosure on my property and want to see another late charge adding to my account. My credit score has gone down, and I 'm late on paying my mortgage because neither Freedom Mortgage or XXXX XXXX want to be held responsible for retrieving my funds. My mortgage funds I requested that Freedom Mortgage to retrieve are still in my account, and they have sent my issue to the credit bureau and are claiming I have n't made a payment while they are ignoring every call I have made. I 've owned my home since 2004, and I have n't been late making a payment until lately when Freedom Mortgage is taking care of the payments.

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 2020-01-14
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank bought out my mortgage XX/XX/2019. They keep messing up my payments. I send automated payments from my bank. I also send additional money every month from my bank, as much/when I am capable, clearly marked principal only. US Bank kept applying the check marked principal only to both interest AND principal, and I had to call them every month, to get them to not do that even though the check is clearly marked. US Bank told me I needed to use THEIR automated system and not my banks, or I needed to go in person to a US Bank, to prevent this from happening. I told them that if a check is clearly marked " principal only '' I should not have to call them to fix it, use their online system, or go to their bank in person, to get them to apply it to " principal only ''. After several months of my having to call them every month to get them to properly apply funds clearly marked 'principal only ' to just my principal and not interest, a manager told me he found a way to fix the online system. Unfortunately his fix made it so that EVERY subsequent payment was applied to ONLY principal and thus my standard monthly mortgage payment was not being applied to the required interest and I was being marked as late. Thus, I had to keep calling every month to get them to note my monthly mortgage payments were in fact received ( despite being 10s of thousands of dollars ahead in payment ). I am again told my only solutions are to go to US Banks in person, or to use the US Bank online system and not my own bank. I have wasted 1-2 hours of my life, and stress, every single month since US Bank took over my loan in XX/XX/2019. I wish they did not own my loan.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This isXXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Fact 1. Chapter.XXXX program, XX/XX/XXXX. Paid in full XX/XX/XXXX. 
2. XXXX in additional charges with no explication, XXXX. Repeated requests. 
3. XXXX XXXX XXXX XXXX XXXX said it was a mistake when they changed invoice styles and they had allot of errors to fix. That was XXXX. 
4. Since then I have not gotten a straight answer or response. 
5. I send a form letter with my payment every month, requesting a response. 
6. I currently send my payment priority mail, because they occasionally loose my payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016 I made my bank payment to my mortgage company freedom mortgage I called to see if they have received my payment and they told me that even though I had sent it in if it 's not registered they were going to mark me late I went to XXXX and got a loan for my car so that I can make a wire transfer to them that same day they sent me a letter saying they had received my payment but they still mark me late the XXXX credit bureaus after sending them my information and asking them to remove that from my credit they refused to do it I have lost the opportunity to refinance my house and my credit score went down I got into debt with XXXX because of this I want my credit cleaned and {$10000.00} back payment

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