BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX the XXXX I deposited {$440.00} cash into the ATM at Fifth Third Bank located XXXX XXXX XXXX XXXX XXXX KY. The ATM failed to finish my transaction and gave me my card back however it did n't give me my money or a reciept. I immediately went into the bank and explained to the manager what happened ... she told me due to me not banking with them and having a XXXX XXXX Bank account they are unable to give me my money that I would need to file a dispute with my bank. I did file the dispute and my bank gave me a provential credit on my account to cover the {$440.00} until they recieved the money from Fifth Third ... On Monday evening XXXX/XXXX/15 I noticed my checking account was overdrawn and when I called my bank they said they had debited my account {$440.00} bc they never recieved a response from Fifth Third Bank and they told me I would have to call the owner of the ATM and try to get a refund. 
I contacted Fifth Third Bank first thing Tuesday morning and explained the situation. I was told the manager was on vacation and was given an XXXX number to call. Upon calling the XXXX number I was told they ca n't give me any info I am not their customer ... I then called the bank back and explained again I need this money I am a single mother and this is a lot of money ... I kinda felt like I was just blew off when I got the response " I will have to pull all the records for each transaction that day and it 's probably going to take at least a week for us to figure anything out and I will call you if I find something out next week. '' I have tried to call again and no one will speak with me I just get " she 's working on it and will call you back when she figures it out '' I have also called the reginal mananger and left several voice mails that have not been returned. It seems to me that ATM have camera 's and they should have a log of each day 's transactions and end of day balances. I am not understanding why it is taking them so long to look up infomation that should only take hours to find.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: NC
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:
I have two credit inquiries from XXXX. I have never applied for their credit card.

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 2016-11-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a {$700.00} deposit to 5/3 Bank in XXXX NC on XX/XX/2016 at XXXX using the night deposit. When I checked my account at XXXX that evening they had not credited my deposit. Yet, they had charged me an overdraft fee at XXXX. My car payment will be drafted out tonight so it will bounce and I will be charged yet another fee. When I called customer service, the lady suggested I go to the branch. I am sorry, but I am not taking off work when they should be checking the night deposit daily. They need to refund these charges and write a bank error letter to my car payment company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I got this Credit card while I was an employee at BMO Harris. During the time that my father passed, I missed a payment and it has been on my credit ever since. It is the only late payment that I have had since I 've had this card and it is affecting my credit score. I have been calling to find a resolution to this situation.

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 2017-02-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
OCWEN Mortgage XXXX. Has not mailed me my tax documents. There 's a lot of complaints against them for this same issue. Also I submitted for a loan modification a couple of years ago & spent over {$700.00} in refaxing the documents to them from XXXX & ea. time they sd. They did n't get them. I almost ended up in the street with my XXXX kids & both of my parents living with me, I 'm a single mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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: Old information reappears or never goes away

Complaint:
id theif reach to have item remove

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 2021-04-19
Company: DISCOVER BANK
State: CA
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:
Hi, On XX/XX/2020, I received email from Discover regarding " {$45.00} back when you join XXXX XXXX XXXX ''. Then I signed up on XXXX XXXX on XX/XX/XXXX, but still haven't received my {$45.00} statement credit. 

I have already tried to contact Discover via their online chat, and their agents and supervisors told me that " after reviewing the account, [ he ] found that it did not earn the XXXX XXXX XXXX statement credit. One or more of the requirements were not met. '' Then, I asked which requirements that it wasn't met. Their supervisor told me : There were several requirements which were listed in the email. These requirements include : 1 ) It must have been a new membership 2 ) The new member can not have been a member within the last 6 months 3 ) The offer could not be combined with any other promotions, including membership promotions offered by XXXX XXXX XXXX 4 ) Was only valid for a basic membership ; it excluded Plus memberships, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid memberships or XXXX XXXX XXXX Gift of Membership 5 ) Only memberships bought within the United Sates are eligible Since the credit was not applied, one or more of these qualifications was not met. Is there anything else I can assist you with?

Sill, I have no clue which requirements I did not meet. I feel like that I have been scammed by Discover and request them to pay me back my {$45.00} bonus, since I followed every single step provided by their email promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i am being charged XXXX on my mortgage. my loan to value is better than 80 %. i will make my payment less the XXXX please have someone call me to reconcile this issue. i called and talked to a rep and they forwarded me to another department who was supposed to call me back and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  - NUMBER 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 without my written instructions.

( 30 ) DAYS LATE PAYMENT REPORTED TO ALL 3 CREDIT REPORTING AGENCIES

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 2020-01-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This item is malicious. I report them before and they went away, now they are back. I am a veteran and seventy percent service connected XXXX ; I get free healthcare for life from the VA. I am also on XXXX  since I live in a rural area not serviced by the VA. My insurance information follows : 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 2015-10-07
Company: Diversified Adjustment Service, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a XXXX year contract with XXXX XXXX beginning XX/XX/XXXX. I switched carriers, I ported my numbers to XXXX in XXXX or XX/XX/XXXX. This is well outside my two year obligation. I never signed another contract or extension with XXXX XXXX. I never received any bill from XXXX XXXX after my number was ported. The first that I knew that they had charged me an early cancellation fee was when their collection agency sent me a letter and a bill. XXXX XXXX wo n't speak with me because they say its been turned over to collections. I spoke with diversified, the collection company and they just say " I owe ''. I wrote them and asked for any contract and or bills. They only provided the early termination charges/bill, they did not produce any written contract from XXXX XXXX. I know that I was out of contract and within my right to change carriers. None of the involved parties wants to work to fix the problem. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Avant Credit Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I got a loan with Avant Credit XXXX {$2500.00} and I made XXXX payments of {$110.00} which totaled {$2200.00}, I still owe a total of {$1500.00} which in total calculates to XXXX, which means that the loan 's interest rate is 160.056 %, I am unable to find the original documents and have attempted to contact the company. I believe that the loan violates the Truth in Lending Act and specifically 15 U.S. Code 1602, 15 U.S. Code 1666i-2borrowed 2500paid XXXX XXXX owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company furnished my credit report without my consent. XXXX sent me a letter saying they deleted the item off my credit report but it still negatively shows on my credit report. Here is what they, XXXX sent me in the mail but STILL havent updated my XXXX  credit report

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: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing this complaint because Medical Data Systems is in non-compliance of the FCRA and FDCPAI was given no time notice from Medical Data Systems or the credit bureaus before placing the inaccurate, unvalidated information in my credit Report. Documentation sent as validation is a violation of the HIPPA Law. On XX/XX/XXXX I reviewed my credit report and found Medical Data Systems. XX/XX/XXXX I mailed 2 letters certified due the reporting contact info 2 different address on XXXX and XXXX and at that time they were not reporting on XXXX. On XX/XX/XXXX letter sent to XXXX and XXXX to Validate debt, No Response as of XX/XX/XXXX. I recd a letter dated XX/XX/XXXX from Medical Revenue Service with documentation and nothing on the cover letter that they are one and the same as Medical Data Systems, their mail address is po box and their name is not on credit report. a copy of a statement sent to an address that is not mine. breakdown of charges along with type of treatment and procedure codes and a copy of privacy practices. On XX/XX/XXXX I mailed a letter to Medical Revenue Services requesting any agreement from their client that granted them the authority to collect on this debt, or proof of acquisition or purchase or assignment, I needed to know why they have information this sensitive. No Response.XXXX  sent a letter notifying them they were in non-compliance FCRA Time of Notice. Again, asked for copy agreement and a copy of any HIPPA Authorization, XX/XX/XXXX sent letter to XXXX XXXX XXXX informing them furnishing my information to Medical Data Systems DBA Medical Revenue Service is not in compliance with HIPPA. No Response. I am also enclosing letters sent as of today to the credit bureau regarding the inaccurate reporting on and unvalidated account along with screen shot of this account from my XXXX monitoring highlighting inaccurate information.

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 2016-08-14
Company: Avant Credit Corporation
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
They advertised on their website that I could take a look at lowering the interest rate & payment on existing loan with them. They imply that no " credit inquiry '' would be done, did not go through with their proposal since it did n't save me any money. 

Later, I was advised by a credit monitoring tool that I had an inquiry that has adversely impacted my credit score. I was able to discover that this was from AVANT. 

I immediately contact Avant @ ( XXXX ) XXXX and spoke with their Customer Service Dept. They apologized, and after receiving my name, telephone number, date of birth, and last XXXX of my social security number told me to email their compliance department ( I emailed them also on XXXX/XXXX/2016 ), even though it was not my error to correct ). 

I believe this action by AVANT is a " DECEPTIVE LENDING PRACTICE, '' and want the inquiry removed from my credit history, and from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted a fax requesting a freeze be put on my consumer file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 with phone calls. Each time I got their answering machine and was told my call would be returned  within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Freedom Mortgage Company
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom mortgage issued me an escrow surplus check on XXXX XXXX 2016. Immediately after receiving this check my insurance agent called and informed me that my homeowners insurance had not been paid. I called Freedom Mortgage with my insurance agent on the line and requested a check be sent overnight. The Freedom Mortgage agent said that it would be overnighted. Several days later my insurance agent called me and informed me that a check still had not been received and that my insurance policy was close to termination. I called Freedom Mortgage back and an associate in the insurance department told me that indeed the request for payment had been denied from Freedom. So she said she would put in another request and this one should go through since the last one was denied. I called Freedom Mortgage the very next day and once again another associate in the insurance department told me that the request had been denied. At this point I asked to speak with a supervisor and I was told that a supervisor was not available. So I hung up and immediately called their customer service department. I told them about my problems and that I had requested to speak with a supervisor buy was told they were unavailable. The customer service associate put me on hold and called over to the insurance department and requested to speak with a supervisor. After thirty minuets of holding, I was connected with yet another insurance department associate who told me a supervisor was unavailable at the moment but that she would try to resolve my issue. After around thirty more minutes talking with that associated I once again asked to be connected to a supervisor and was put on another five minute hold. I was finally connected with a supervisor who said he would request that a payment be sent out to my insurance company. How am I supposed to trust that this payment request wo n't be denied like all the rest of them? So my complaint is : I 've talked to around five to six different people over the last two weeks about my problem. I have had three different requests for payment of my homeowner 's insurance that have all been denied and all anyone can tell me is sorry for the inconvenience. This company has put my home, me and my family at risk and this is unacceptable. An inconvenience would have been the first time I called at this point we are at a severe problem. My homeowner 's insurance is at the point of being terminated because of the negligence of Freedom Mortgage Company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
my bank account with 53rd bank, routing number XXXX and account number ending in XXXX was given an overdraft coverage for my withdrawals with a per-overdraft-item charge of {$37.00}. This coverage l have had since l opened the account with the bank for almost if not over XXXX years ago. Suddenly the bank cancelled this coverage without given me a proper notice so that they can return any over-drafting-item and still charge me {$37.00}. Please l need to know how legal this is and would like to know how l can get all my money in these charges back? I will provide all relevant information necessary for this investigation if need be

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: National Check Resolution Inc.
State: CT
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an outstanding payday loan XXXX XXXX store and had issues with payment due to identity theft. I received a call from a collector threatening to come to my house and job. He left a number but no name. I called the number given and it is National Check Resolution who was helpful but stating that it is an outside agency is the one that contacts debtors and that " they should not threaten but they do what it takes to get deadbeats to call - it worked right. '' I acknowledge that I owe the debt but being belittled, embarrassed and harassed is not right. This gentleman from the outside agency called me today XXXX XXXX every XXXX minutes to my cell as a private number and left the message about XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2022-02-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We bought our house XXXX our first payment on XX/XX/XXXX ( mortgage loan XXXX ) XXXX. The ( XXXX mortgage XXXX ) mortgage maturity date is XX/XX/XXXX as stated per the contract. We've been paying the XXXX mortgage month. To select portfolio services as they Has been sending us payment statements every month and we continue to pay the XXXX mortgage up until now. We sent select portfolio services letters stating that we've overpaid our XXXX mortgage. And the mortgage loan contract we had signed on XX/XX/XXXX. Had specific amounts and maturity date XX/XX/XXXX. Now here its XX/XX/XXXX. We've Paid nearly hundreds, thousands more than the contract stated. Also select portfolio services has manipulate the main mortgage XXXX balance XXXX of accurate mortgage principal and interest. and started sending unverified amount of mortgage balance adding instabilities and inaccurate information to the credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation