BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX mortgage with Harris, they are asking for the full balance and will not take payment. Will soon be adding late fees etc. I asked for a modification and they said I would need to see about applying for new loan at 8 % fixed. I will not gaulify for that it has been over 30 days with no answer. I do not want a new higher payment will sell in two years and pay them off. I feel they gave these loans before the mkt tanked and they should help customers who did not walk away from house and modify the XXXX until we can pay off or sell. I need a modification before they eat up what little equity I do have while they add late fees etc.

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 2017-01-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Fifth-Third bank had sent me a letter ( attached ) demanding that l sent to them the sum of {$1800.00} to update my loan file and bring it current by XX/XX/2017. l complied with the request, sending in {$1900.00} not minding that the company has no basis for their demand because l have series of payments in the amounts of {$430.00} ( usual mortgage payment for {$420.00} PI and additional {$9.00} for principal reduction ) and {$500.00} ( escrow ) sitting unapplied on my accounts. WhatThis check was returned to me with letter ( attached ) saying that it was not enough to off my loan. had happened was l was late on my taxes and the bank paid it but when l started getting more than double the amount of my mortgage because of this escrow gauge, l had called and spoke to one of the reps who told me if l wanted to pay off the escrow, all l needed was to bring in about {$3400.00} once. Also when l got this letter l had called the number given to me on the letter over and over and could not get connected. l made frantic efforts to reach the customer service number XXXX, up to 4-5 times, none of the people l talked to could help me either. Sometimes, the machine will attempt to connect me to the right department but it did always end up cutting off ( dropping ). Frustrated, l took my case to the branch where XXXX ( XXXX ) told me the escrow balance was {$2400.00} and I gave him the check right there to pay it and advice the right department to apply it to liquidate my escrow. This is in addition

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: VA
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 Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: National Check Resolution Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX called several times from an unknown number and said he was going to come to my place of work or home to serve me court papers if I did n't call NCR,XXXX I called the number got no answer the next day a block number called me saying he was XXXX XXXX from NCR. I called the number back a lady answered but only said hello no company name or anything, she seemed nervous. XXXX XXXX got on the phone and said he was trying to collect XXXX for a debt. After talking with XXXX at NCR several times he said he had no idea who this XXXX XXXX XXXX XXXX is. The XXXX time I spoke XXXX XXXX explaining to him that I spoke with the debtor and they gave me the name of the of the collection agency and it was not XXXX or National Check Resolution. I asked XXXX XXXX who they purchased my account from and he kept insisting the original debtor. I told him no, that I already spoke with them and I was waiting on the Collection Agency who they gave my account to return my call. XXXX got angry and said I had till XXXX XXXX XXXX to get back to him or the courier service would serve me! I said you told me you have no idea who the are?? He the hung up on me!

Company response to consumer: Closed
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.

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 2015-09-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am the XXXX XXXX for the City of XXXX XXXX. A resident, XXXX XXXX, came to see me last week to discuss a concern related to obtaining a fixed rate mortgage on his home to replace a home equity line that has an adjustable interest rate. Last year, XXXX XXXX obtained a home equity line for {$75000.00} for the property he owns at XXXX XXXX XXXX in XXXX XXXX, OH. The property has no other mortgage or lien against it according to XXXX XXXX. He visited our local Fifth-Third branch to apply for a mortgage loan, but he was denied, because based on a drive-by appraisal, Fifth-Third determined that the home had a market value of {$44000.00}. In 2014, the home received an appraisal of {$94000.00} at the time the home equity line was opened. XXXX XXXX 's credit score is XXXX. He has recently improved his property with a new roof and windows. The property is well-maintained and owner-occupied. We believe that XXXX properties were used as comps in the appraisal. Property values in the area have increased over the last three years. There have been XXXX new homes constructed on XXXX XXXX XXXX street in the past XXXX years which have sold for over {$160000.00}. The City has seen an increase in the number of low-ball appraisals in the past few years which cause our residents to be unable to refinance loans or obtain new loans. In our opinion, this is a form of redlining, and it is causing disinvestment in our community. The city is in the process of undertaking an analysis of our XXXX data which will be released in XXXX. Preliminary results suggest a large discrepancy between deposits and lending in our community.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Freedom Mortgage on XXXX/XXXX/XXXX to inquire as to the status of the PMI being charged on my loan. I was informed that the PMI was scheduled to be terminated in XXXX XXXX. Freedom Mortgage stated that, as of XXXX/XXXX/XXXX my LTV is XXXX. When I stated that my PMI should be automatically cancelled when the LTV drops below XXXX. The rep told me to write an email to Customer Care so Freedom could research the issue, which I did on the same day. My husband called to follow up on XXXX/XXXX/XXXX as we had not received a response to my email. Freedom told my husband that, in order for Freedom to consider our request to drop the PMI, we would be required to secure a new house appraisal at our own expense. Further, Freedom stated that, when making the decision to drop our PMI, they would take into consideration that they do n't have 12 months of payment history from us. My husband noted that this is the XXXX or XXXX time the note has been sold since we purchased the house in XXXX. 

The information provided by Freedom is in conflict with information provided by CFPB. Our original amortization schedule lists XXXX XXXX as the ending date for the PMI. However, we have paid above the monthly principal due almost every month since the beginning of the 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 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX  XXXX # XXXX is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be removed.

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 2015-12-11
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid on XXXX/XXXX/2015 to Focus Receivables a collector for XXXX in full {$1000.00}. I have called Focus and they insist I still owe this amount. I have sent Focus a copy of my XXXX XXXX Statement as verification that I used my XXXX XXXX Card to pay this amount on XXXX/XXXX/2015. I have also filed a dispute with XXXX, and Focus still has refused to remove this negative status on my credit report. 
I just do not know what else I can do, pay Focus again??? 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had been making bi-weekly payments on our mortgage for some time and paying extra towards principal. On XXXX/XXXX/16 and again on XXXX/XXXX/16 they pulled the payment from a different account at the same bank ( not sure how they got that account # ). This resulted in the second payment coming back NSF which alerted me to the problem. I immediately transferred money to this account and contacted Ditech. They claimed that it was impossible for them to get the other account information so it had to be on my end or the banks. The payment did go through the 2nd time it was processed but then Ditech sent me a refund for that payment? I then cancelled the autopay per there instructions and set up and electronic payment for XXXX/XXXX/16 to pay the next payment that was due on XXXX/XXXX/16. On XXXX/XXXX/16 I became aware that they did not apply the money to the payment due on XXXX/XXXX/16 but instead put some towards principal and {$420.00} towards some type of bogus corporate late fee? I called on XXXX/XXXX/16 and talked to XXXX (? ) and she told me that the funds would be reallocated properly and all late fees removed but it would probably take a few days. I have been checking my account every few days and calling every few days and always get someone different XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX that tells me that they can see that it is in for reallocation and that I do n't need to worry, all late fees will be removed when this is done and it will not damage my credit. It is now XXXX/XXXX/16 and it is still not done and my next payment is due on XXXX/XXXX/16. I refuse to send another payment until they straighten out the original payment because they tell me it will go to the past due payment of XXXX/XXXX/16 and I know this will further complicate things.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Portfolio Recovery is aggressively attempting to collect a debt I discharged in bankruptcy. They are reporting this debt on my credit report as an active collection. I notified them of this 2 months ago yet they refuse to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: VA
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 Credit Act XXXX XXXX  XXXX account # 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 2020-01-15
Company: REGIONS FINANCIAL CORPORATION
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 or about XXXX XXXX XXXX 2019 I used my debit card for a purchase and was denied. After investigating I found there were several hundred dollars of charges made to my debit card through my XXXX  account, they are linked. I spoke with a CSR at XXXX and her supervisor and was told they would not reimburse me the money because it appeared that the charges came from my phone. I have NEVER purchased in game apps before but was told that this was why. I then called my bank, Regions Bank and filed a dispute. On XXXX  XX/XX/XXXX, I received a letter from Regions essentially saying the same thing XXXX did. They said that since it was through XXXX I should have filed a police report saying that my card was lost or stolen, even though I always had it with me. I have also never filed a dispute before. Now ( because of returned check charges I am almost XXXX XXXX dollars in the negative. I am a single grandmother raising XXXX small grandchildren alone. Next week when my paycheck is direct deposited it will all be gone as the bank said it is my responsibility to bring the account positive. When this happens my entire check will be gone and we will have no money for food or gas for my work. Yesterday I visited the branch and came out incoloble after being told again, that they could not do anything else for me. I do not understand how this can be ok or legal..

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 2020-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My Bank of America checking account was closed, due to fraudulent activity. I was not aware, but Bank of America didnt seem to be interested as they skipped straight to account closure and said Im more then welcome to reapply but Im not guaranteed. I think I may be in debt because of this and I dont really know how to go about it. I was given poor customer service on the phone who only listened to me for a few seconds then forwarded me to the closure department.

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 2015-06-23
Company: PRIMARY RESIDENTIAL MORTGAGE
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello. I 've been working with XXXX from Primere Residential Mortgage , Inc. in XXXX, KY. First, I 've been repairing my credit for a year to get my score where it needs to be. I understand the consumer report may show a different score than mortgage companies calculate ; however, I did not expect there to be inaccurate information. Primere Residential uses XXXX XXXX to provide the FICO score to determine your loan eligibility. However, their middle score was XXXX versus my XXXX middle score. I compared the XXXX and immediately realized XXXX XXXX had old information. At least 3 months old. 1st, my credit utilization was showing 85 % on their report, but XXXX was reporting 30 %. I can calculate this myself and I had been at 30 % for a few months. Also, they showed a collection in the amount of {$300.00} that I had already disputed w/ the XXXX credit bureaus and had removed about four months prior. When I called to ask why there were discrepencies, XXXX XXXX refused to talk to me, the consumer. They said that the mortgage agent who requested the report must call. When I contacted XXXX, he basically told me to keep working on my credit and did not call. He said he talked to his boss and there was nothing they could do, even though I had supporting documents showing that the information being reported was inaccurate and more than 30 days old. I can not fix something on my credit report that the bureaus have already removed. The report is wrong, yet the reporting company and the mortgage lender refuse to fix the errors OR even explain to my why I 'm seeing those errors.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Aargon Agency, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Argon collection in I believe XXXX XXXX NV. Won't stop calling from different numbers I keeps blocking them and a new number. I've asked them repeatedly to stop calling. When they call they will not tell me which company there even attempting to collect for, they just keep saying verify your birthdate and ssn it sounds like a scam. I've worked XXXX party collection and have studied they FDCPA for years they are representing them self in a shady unprofessional way. I have a current credit report my accounts are all clear or closed my debt is not effecting my credit. They have threatened my credit score and won't even tell me for which company there attempting to collect for unless I blindly give them all my vituals. I'm over it they should be fined and out of business.

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 2022-02-23
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On ( XXXX ) : XXXX XXXX I transferred some XXXX from XXXX to Coinbase. XXXX is usually and instant transfer. But I still have not received it. I contacted Coinbase through their online chat/email/ and phone and no one would help me or tell me why they were withholding my funds. Only that they will get back to me in 2 weeks. I asked many times why this was happening but was completely ignored. 

Support ticket number : Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Borrower applied for a loan modification but was denied. The explanation for denial was borrower 's income was insufficient. After receiving the written denial explanation we determined the income was calculated incorrectly. Chase will not open another review after our appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage needs to stop sending me Cash Out Refinance marketing materials. I receive at least 1 of these mailings per month. I have called them and asked that they stop. I asked to be opted out of all marketing materials when I called. In addition, I completed an Opt Out letter they sent and returned it. They responded with a letter confirming that I was opted out. However, I continue to receive these letters monthly.

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