BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: Automated Accounts Management Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my previous complaint, the response I received is as follows, " We have to respond to your request for validation of your account. XXXX did provide that and the information that was sent out is all that is necessary to validate that it is your account and it is still owing. We did respond back to you when you were requesting a settlement on this account as XXXX does not settle out their accounts. You then sent another dispute form in which we did respond back to you on XX/XX/21 that we indicated we have already provided you with validation of the account. You then again sent another dispute form in which we did not respond to you as we stated in the last letter we sent you back on XX/XX/21 that we would not respond to any more dispute letters. I have verified again today that you still owe on this account. You can call us at XXXX and we would be happy to work with you on this. Your account is marked as disputed. '' This is a joke. There is a huge different between debt VERIFICATION and debt VALIDATION. I asked for the following information more than 4 times and never once received any of it : *Agreement with the creditor that authorizes AAMS to collect this alleged debt *The agreement bearing my signature that I have agreed to assume the debt *Valid copies of the debt agreement stating the amount of the debt and interest charges *Proof that the Statute of Limitations has not expired *Complete payment history on the account along with an accounting of all additional charges being assessed *Show me that AAMS are licensed to collect in my state ; and *AAMS license numbers and registered agent *Proof of oral and written demands made. 

The ONLY thing I received was a bill that had personal medical information on it. This is a violation of HIPAA. Then I received a letter than they refuse to respond to any more letters. This is not professional at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 


ACCOUNTS XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is reporting accounts that are invalid and unverified. XXXX has investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA if its a collection because this is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

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 2015-09-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I signed up for an account with 5/3 after they advertised a promotion to giveyou {$53.00} for free if you signed up when they first opened. They gave me anadditional {$53.00} for shredding my other bank 's ATM card in front of them. I wasrequired to deposit {$50.00} in the account to open it. In 2012, they closed mychecking account without my knowledge and without notification. Apparently, they have been deducting money from my savings account since 2012 forinactivity on the account. I received a notice a few weeks ago that it was the '' final notice '' even though it was the first I received, that my account wasactually in a NEGATIVE status and they were going to send me to collections. 
They have taken all of my {$150.00} and actually taken it to a negative balancewithout giving me any notifications along the way. I never received anythingstating that money was being deducted from my account. I called the branchmanager and was told I can only dispute transactions 60 days old or less, andthat the only thing she could do for me was refund me {$11.00} and close theaccount. I offered a resolution to the company to refund me the {$50.00} I openedthe account with and they could keep the more than XXXX of the money they havetaken from me. I was told by XXXX XXXX, office of the president, thatthey would do nothing more than the {$11.00} they refunded. She did n't care thatI told her I would pursue this, and found that it would be worth the {$39.00} Ioffered as a resolution to fight it. 
They maintain that because there was not a checking account, the drafts werevalid. However, THEY CLOSED THE CHECKING ACCOUNT, not me, and they did sowithout notice and without sending me any notifications ( even annual orquarterly ). 
As I am now having to take this beyond the better business bureau, I would likemy entire {$150.00} back that they deducted from my account. 

Fifth Third will respond to this with statements showing the deductions taking place. The question to ask, however, is when were these sent to me? They were not sent to me, neither annually, nor even quarterly. They maintain that it was my job to log in online and notice them taking money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I tried logging into my account this morning to pay my mortgage for XXXX 2015. I tried on freedommortgage.com, and it would n't let me in so I called customer service, entered my SS Number, and it routed me to a lady who saw all my information, she told me my account was handled through myloancare.com let me connect you. No one answered. I tried to log into XXXX and it would n't let me either. I asked for temporary passwords from each site, each site sent me an email with a temp password, however I still am unable to log into my account. I called Freedom Mortgage back at XXXX this morning and spoke with XXXX, she stated my loan is handled through XXXX go back to them. I tried to explain to her that the XXXX website told me to go back to you - freedom mortgage, she said no, I know it 's confusing because Freedom Mortgage is the parent company to XXXX, but you need to deal with them. Right now I am frustrated with all the lies, and lack of accountability with my account. Is this a SCAM set up this way so I had to pay the {$5.00} extra dollars by phone to pay my mortgage to gain additional revenue? Which I paid by phone calling Freedom Mortgage, so they wont talk to me about my account, they wont let me log into my account, but they will take my money over the phone? I have had issues with both of these entities since day one, I have filed numerous complaints and will continue to do so, until they are held accountable for these outrageous actions and lack of accountability for my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Lockhart, Morris & Montgomery Inc.
State: KY
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:
in XXXX of 2019 i went to a XXXX XXXX XXXX i was told it were no cost to me. when i got there i got word that my father was very ill of course i left the school before doing so i was told that I would have to find my own way home and all my other fees would be waived due to the timing of my departure according to the contract i have sent multiple request for validation of the debt would show this information however the company has failed to or refused to reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  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 a Account with 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 non-monetary relief
Consumer complaint received 2020-01-10
Company: JPMORGAN CHASE & CO.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle on XX/XX/XXXX through XXXX XXXX XXXX, and received the first billing documents dated XX/XX/XXXX. The billing documents stated XXXX XXXX XXXX are licensed to JPMorgan Chase Bank, N.A. ( " Chase '' ). 
Approximately XX/XX/XXXX, I went online to sign up for auto withdrawal for my monthly payments. I do not have any account with Chase, so it was determined an " external account ''. The last step in the process, I was asked for my username and password for my personal bank account so it could be verified. I responded I would not give this information out, so I was then requested to give Chase permission to " deposit and then withdraw a " small amount '' " to this account. I have NEVER been asked for my username and password to a personal bank account to set up a direct withdrawal for monthly payments, and should NEVER be asked this. Chase had the statement listed - no one will have access to this information, but we all know how well cyber security works. 
If this request is not illegal, it should be. I was not given the second option until I checked I would not give out this information, which would lead many customers to feel they have to give out their personal username and password to complete the set up of the auto withdrawal. No company should request or need to have this sensitive, private information be part of setting up an auto withdrawal, or any other type of withdrawal from an external account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I sent a cease and desist letter to Discover and debt validation. Discover did not respond at all. I listed the violations and my specified remedies for civil penalties for violating FDCPA. Discover did not have prior written consent to contact me about a debt. Discover has reported late payment to credit reporting agencies. 

I am a victim of identity theft because Discover gave my cellphone number to a skip tracer to call me. Discover misrepresented a credit of {$5700.00} as a debt. The amount is showing as a positive balance. 

On XX/XX/2022, I received a collection letter from Discover after they were sent a cease and desist letter. Discover did not pay the civil penalties of {$14000.00}. 

References : 15 USC 1692 15 USC 1643

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
i opened a new card with a {$300.00} limit on XX/XX/XXXX inside the store. I made a purchase that day for {$99.00}. Once I received the card in the mail, I set up my account online and paid the entire balance of {$99.00} off on their site. I made this payment by checking account on XXXX and it posted XXXX. I paid it off because i'm trying to avoid interest and annual fees. I made another purchase on XXXX for {$120.00} and paid the balance in full on XXXX. On XXXX i went into the store and made a return for {$40.00} and tried to make another purchase for {$110.00} and my card was declined. On the site, it shows my available credit to be {$200.00}. The clerk in the store also pulled up my account and showed available credit of {$200.00}. She called their service desk, the guy asked to speak to me on the phone. I was told that i could not use my card whenever there is a payment pending, and it could take XXXX business days before a payment fully clears. So, anytime i make a payment, it could be as small as {$5.00}, they will block my whole card until the payment clears, no matter how much available credit i have. I called customer service today, XX/XX/XXXX. I spoke to XXXX and then escalated to XXXX, XXXX ID XXXX, located in XXXX  XXXX. They told me the same thing. Anytime i make a payment, they will block my card for XXXX days. This makes absolutely no sense and is not fair business practice or fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I am based in the XXXX and have a coinbase account. They had no issue taking my money but since I have sold my bitcoin the service of withdrawing the money is non existant. The some of XXXX is still in my coinbase account and it will not let me click on my saved account to withdraw the money. I have tried contacting via email and twitter with zero response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our Mortgage was sold to Freedom Mortgage when we bought our new home. We originally signed on with XXXX XXXX XXXX. The transfer was a nightmare that included misinformation, payment dates, and payment amounts. Freedom dropped the ball in all aspects. 

Then, Freedom Mortgage was late on paying our XXXX taxes. We called to let them know about this issue, we were told that they would handle the late fees incurred. When they got around to paying them ( a month later ), they paid twice and the late fees were charged to our Escrow account. After this payment they conducted an Escrow Analysis, discovered that our Escrow was far into the red. To balance this our Monthly mortgage payment was raised by {$340.00} so they can prevent this from happening in the future. We were in the red because of their double payment. 

We called and notified Freedom Mortgage of the issue, they 're response was that the Escrow Department would look into it and it could take up to 45 days, beyond the date of when the new payment was due. When we inquired about this we were told that if we skipped the increased payment ( which was due to their incompetence ) that we would be charged a late fee and it would negatively affect our credit score, or worse. It was advised that we pay the increased rate until they get the issue worked out on their end. 

So as a consumer, I am to pay for the issues that they caused until they work towards a " resolution ''. This is completely unacceptable.

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: ECMC GROUP, INC.
State: LA
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 has re added ECMC back to my account when it was removed. It is illegal to re add an item after it has been removed. I took screen shots of this and will provide if needed

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 2020-01-10
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have attempted to get caught up on my Mortgage Payments and they have closed my online payment access and refuse to help me over the phone even though there is a 15 day grace period and I thought I could make payment to catch up by the 15th but instead they are throwing me into foreclosiure. I have no documents and no access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Americas Car-Mart, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am only XXXX  days late on my payment. I only owe XXXX  payment. I have requested many times that they change my payment to monthly instead of every two weeks, because I have been pate before. I am only late XXXX  payment maybe no more then XXXX  days at the most when I am late. But why I am so upset about is they call me three times a day between XXXX. I have kept records of all the calls and messages. To me it's annoying and consider harassment. I work overnights, sleep during the day they know this, but they continue to call repeatedly. I can understand them calling if I was XXXX payments behind, but I have never been but XXXX behind no more than XXXX  days. Isn't this harassment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Freedom Mortgage mailed me an offer to lower my interest rate at no cost. When I talk to the rep he reiterated that it was no cost to me. I received the forms to sign via online and discovered that they are charging interest rate reduction points of over {$2000.00} and including it in my mortgage balance. They pressed me to hurry and sign the forms that would lock me into the obligation. It is very deceptive. NO COST is a lie. They wasted my time and trust. This needs to be address before someone believes them and signs without really looking at what is on the forms. It can be confusing. Please make them stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
We began our short sale paperwork with Freedom Mortgage in XXXX of 2015. After being required to submit paperwork multiple times, over a span of 5 months, because Freedom employees have repeatedly lost documents, we were finally notified that our application was submitted to underwriters on XXXX XXXX 2015. The letter stated that we would recieve a final decision within 30 days. Our realtor reached out to Freedom via phone today ( XX/XX/2015 ) and was informed there was not yet a decision. Not only has it been well over their 30 day allotment, this is only one of a long list of issues we have been forced to deal with over the past 7 months. I had to put in complaints with both the XXXX and the NC Banking Commission in order to get our application submitted. Yet again Freedom Mortgage is failing to do their job in this process.

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 2023-03-24
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied at US BANK for a business credit card on Monday XX/XX/XXXX and received an email on Weds XX/XX/XXXX that I was approved for a credit limit of {$3000.00}. When you apply you can not request how much of a credit line you need. It's a random number that's given to you by the bank. 
I called to get a credit line increase today, XX/XX/XXXX, and I was told by the Analysts Dept. at US Bank that in order for them to process the request to try to increase my credit limit they will need to pull my credit, again, after not even 5 days have past. And they can not move forward with the request unless they pull credit, again. 
I don't see how is this ok, since that already have my credit report from when it was pulled on XX/XX/XXXX. I blindly apply for a random number they give you and then they have to pull credit, again, a 2nd time just for them to try to increase it. If I knew they will have to re pull credit for a credit line increase after I had just applied, not even a week passed, I would have never done so.

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