BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a previous complaint # XXXX which was answered by Freedom Mortgage in an email stating they made an error I asked for a new escrow disclosure statement and a call from Freedom Mortgage so I could see the numbers and what the payments would be. I received a letter from them on XXXX XXXX, 2016 and at this time XXXX XXXX, 2016, have received nothing. My first complaint was never answered and the whole case is still ongoing. Also all I get is the repeated harassment, many letters from Freedom Mortgage to refinance.

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 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 explanation
Consumer complaint received 2020-04-21
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I logged a complaint back in XXXX and the Lender claimed it was resolved so CFPB closed the complaint however it is not resolved. The Lender has been misapplying funds, changed my payment agreement without discussion, notification or authorization and I want it resolved. As stated in my previous complaint, I made a bi-weekly payment agreement with Ocwen and ever since PHH took over, there have been nothing but problems. I received a late notice in XXXX and you can clearly see by my attached bank transaction history I was paid ahead. Now they are showing I am delinquent and also have increased my monthly payment with no notification or reason why. My insurance and taxes have not increased. Actually, I recently qualified for a property tax exemption and they will be going down. I want the transaction records fixed, I want to know why my payment has increased and I want it all in writing so it can be read. The transaction history I received that I had to request from them 3 times and took 2 months to receive was such fine print I had to get a magnifying glass from a friend to read it and this is not an exaggeration. I would be happy to provide it as proof as well if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My name is XXXX XXXX XXXX Social is XXXX Checking account is with 5th 3rd bank Trying to close from last 3 months but they are not closing it. Have worst customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been a loyal citigold and citi priority client sin ce 2007. I ha ve recently tried to open a savings account to be linked to my citibank checking account, but the bank has immediately closed the savings account after opening it. My account has been in good standing for 10 years, and I have been a loyal client for 10 years, I have received very poor customer service, and have complained to customer service as well as the corporate offices of citibank, but they still have not resolved the issue with opening a new savings account. their response was very abusive, rude, and unprofessional.

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 2022-02-21
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been working full-time for the XXXX XXXX XXXX since XX/XX/XXXX as a young single mother. Due to my low pay, I went back to school hoping to better my situation and took out more loans to do so. I started school in XXXX and had already had some loans from when I was in college in the late XXXX XXXX. While working full-time, I also went to school full-time and obtained XXXX degrees. First an AS. At the time of graduation from my 1st degree, I was pregnant with my second child. Then, I went back to school for my 2nd degree. XXXX  My issue lies in that every time I called XXXX XXXX ( now Navient ) when I couldn't make my student loan payments, they would suggest a hardship forbearance or some type of deferment. These had to be documented so they saw my 'XXXX XXXX XXXX  XXXX paystubs with my state 's seal and not once suggested or offered me IDR until years later. Nor did they tell me this time wouldn't count towards PSLF, a program that really motivated me to stay working in public service as I didn't stand much of a chance of being able to pay them off. I had sent a number of applications for PSLF over the years but I never heard back until XXXX when my loans were finally transferred to XXXX XXXX from Navient. I had no idea until then that there are literal years missing from my payment counts. Despite working for nearly 17 years for the XXXX XXXX XXXX, the last count showed I had just 44 eligible payments suggesting I'd need to work another 7 MORE years in public service to have my loans forgiven. That's about when I'd be due to retire... ( I'll have been working for the state for 23 years at that point ) I don't see how that's fair. I was a victim of XXXX XXXX just like everyone else. Sadly the waiver is not even addressing people like me who have to pay another 7 years for their mess. Please help. When the XXXX  was offered to me, I was eligible for {$0.00} XXXX which is the real crime. All of those years ' {$0.00} payments would have counted if they weren't trying to balloon my balance to collect a higher payment from the federal government for servicing my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2017-07-19
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
This all started with a rogue, {$30.00} charge on my account with wells fargo. I contacted the company who made the charge and told them I had closed my account. I had done this, but they told me there was another account with an expired credit card from 2 years ago. They recently used the visa account updater service to retrieve a new payment token from Visa and Wells Fargo. I have closed my account with the merchant and opted out of their renewal program. I contacted wells fargo to find out how to opt out of the visa updater service and no one there that I spoke with knows anything about this. The visa updater service is a 2 part process. Wellsfargo has to get my information, or a token, to visa who relays it to the requesting merchant. Wells fargo is telling me I can opt out with the merchant. The merchant is telling me I can ask to opt out of this from the bank. The bank is tellingme I can not opt out of it from them and that I have to try to do this with the merchant. Meanwhile if you XXXX search " vau opt out '' there are many discussions from small banks who are tyring to find out the best way to offer an opt out to their customers, and whether or not they have to notify them when a request comes in. This indicates that it is the bank ( the company that provided the debit/credit card a customer would contact to opt out of the VAU ( visa account updater service ). I want to be able to opt out of this as I see it as an invasion of my privacy when a bank would send payment information to a merchant on their request, not on mine. If I choose to not update a card at a merchant, I want it to be on me, not up to the bank.

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 2017-07-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had the American express blue card for over 8 months with a perfect pay history and an average fico score of XXXX for this period. My credit limit was initially {$10000.00}. approximately 2 days ago, X/XX/2017 I received and e-mail from American Express stating they have lowered my credit limit from {$10.00}, XXXX to {$1400.00}. I called to ask why considering my perfect pay history and never utilizing for than 9 % of my credit available and was told it had nothing to due with pay history or responsible use of the card but a automated financial review system decided that I should have XXXX credit line without any notice or contacting me in advance. this has caused my credit score to drop because my account utilization has gone from 9 % to over 80 % because of this decision without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account : AFNI Amount : {$750.00} Date : XX/XX/2019 Discrepancy : Paid prior to collection. Paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
. I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Avant Credit Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX I had autopayment setup some how I kept occurring late payments from my account I would XXXX dollars a month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX also it was incorrect information on credit report as well. Avant- credit card same problem late fees XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of the West states they will make over draft payments at their discretion. 
I am not signed up for overdraft because Bank of the West has charged XXXX a day and at their discretion will charge {$70.00} a day. 
I had an issue last year with a total of {$270.00} in fees. They refused to listen to my calls. I went into the branch and the manager refused to reverse charges.

I was told that they can list deposits and debit in the order they wanted on your account. 
I now have a XXXX  charge for XX/XX/XXXX and the XXXX  charge for the XXXX. In their writings they say that they wont charge XXXX  for five days yet now I have a charge for XXXX on two consecutive days. 
I have written to the bank and ask them to remove one of the charges and Im hoping theyre not going to add another charge today. I will not get any money into my account until the XXXX of the month. 
Bank Of The West abuses their overdraft charges.

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 2016-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
After nearly a decade of business with Bank of America, I recently inquired for a Credit Line Increase. Over the years I have held active, but never delinquent, Personal Checking, Savings, and Credit accounts with B of A. My credit rating is top tier, thus I did not expect to find myself in the scenario Bank of America placed me in and feeling discriminated against. Upon requesting my Credit Limit Increase on my traditional XXXX Credit Card, I was immediately declined. While this news was shocking, my real goal was to capitalize on an opportunity for cash back which is XXXX of the only incentives offered by my particular card held with B of A. Due to this, I was not disappointed with the decision to decline my increase request. However, upon contacting B of A by phone I was denied the opportunity to receive my decline reason. Instead, after speaking with XXXX representatives by phone and XXXX chat support associate, I was told by each that they could not provide that information and I would not be permitted to speak with a Credit Analyst/Specialist to review my Credit Line Increase request. After several hours straight of going back and forward on the phone, I was eventually in verbal communication with the Credit Analyst/Specialist department who disclosed the nature of the decline. It was for insufficient of lack of a savings account with Bank of America. This is where I feel discriminated against, and as though I was unfairly evaluated by means that no everyone is evaluated XXXX. Upon receiving my denial letter, the reason was consistent with what I was advised on the phone and I also was not provided with my credit score, although I had requested such. Being in a top tier credit category of absolute low risk, my closure of my B of A savings account just a year prior is clear indication that I was unfairly considered for the credit line increase.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My payment for my Amazon Store Card is due today, X/XX/2017. I previously had scheduled a payment to come out today, but logged into my Account this morning to update the payment amount. For some reason, Synchrony Bank has locked me out of this payment and I can not edit it. If the system says I have until XXXX to schedule a payment and for it to count for the same time, why did they process my payment before that time and not allowing me to edit it? This is against my cardholder agreement as I should be able to edit payments up until that time. Customer Service Reps are of no help and I was left on hold for over 20 minutes waiting for a Supervisor. Poor Customer Service all 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 explanation
Consumer complaint received 2020-04-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I needed to dispute a transaction of the amount of XXXX that was wrongly put on my account by a merchant on XX/XX/XXXX. I originally was working with the merchant but than after sometime they stopped replying to my emails and answering my phone calls. So I contacted Chase, my bank, and asked the amount could be disputed. They claimed everything would be fine and submitted my dispute. 

A week later, before my document which gave them permission to investigate this charge on my before even arrived the case was automatically closed. They never asked for any proof or any documentation from me. It was clear they never even reached out to the merchant. 

I spent literally from XXXX on hold, being bounced around from rude customer service specialists who would transfer to someone else just to get rid of me, only to have to be transferred back to that department and be on hold for another 50 minutes. Two of them hung on up me and recorded as a disconnection but it was clearly them hanging up on me. 

After all this it turns out the person incorrectly categorization my claim as a recurring monthly payment which I tried to cancel instead of merchant error. However, they refused to reopen it with the correct categorization. And I asked for a literally an entire day and they adamantly refused to help me with this issue that they themselves caused. 

Upon doing some research into this, it turns out Chase 's dispute department has a history of pulling this stuff. Do not bank there, I banked there for years and their customer service has been pleasant for the most part. But their dispute department are rude, and do not care about protecting your money and that's what is most important. I advise everyone to bank else where because you have no recourse if your the victim of a merchant error or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The previous person that had this phone number is the one they are trying to reach. We have had this phone number for 8 years and they are still trying to collect from him. Is there some way we can stop these phone calls. We have an answering machine that picks up and our tv has give us this phone number and the caller phone number XXXX. They call two and three times a day every day of the week even on Sundays.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TD Bank Usa Target has reported a fraudulent address to credit bureaus and I am in the Missouri Secretary of State XXXX XXXX XXXX XXXX. Refer to Missouri Statues Chapter 589.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my XXXX  credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. I filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. I also put a seven year fraud alert on my credit report. I disputed these activities and sent the necessary documentation, which prove that I was not in the US when these accounts were opened, to the credit bureaus and to the companies. Finally, I filed a complaint to MA Attorney General 's Office about this issue. 

Despite all these efforts, Transunion and XXXX  still keep the record of a car loan account with the XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I was not in the US. 

This affects my life very badly because of the damage done to my credit history.

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 2016-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Around XXXX XXXX XXXX called my cell phone and asked me why I did not pay my capital one card today and what will it take to settle this debt today. I told them I do not know what they are talking about, and they proceeded to ask me why do n't i want to pay the debt I owe. I told them I do not have a capital one credit card, they wanted my social security number that I refused to give them, the person who they are looking for is an XXXX something year old person I told them its not me and they finally agreed to remove me from their list. I come home and the home phone rings same company once again I told them I already told you to remove me from your list this is harassment whomever your looking for does n't live here, they said OK verify your social again i refused they told me they would remove me from their list. They stopped calling for a few weeks and now this week they started calling again every day they call me trying to tell me I owe them capital one debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: AL
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 have previously filed a report stating the bills included in this report do not belong to me, XXXX XXXX continues to report these accounts irresponsibly causing undue strain and stress in me. I am in the process of relocating to buy a home and my credit is reflecting these accounts prohibiting me from doing so. I would like these accounts removes as soon as possible. These accounts are being recycled to different debt collection agencies by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
This account with BANK OF AMERICA with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

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