WordPress.com is a blogging and website service provider which is owned by Automattic. It is a propriety blog web service provider. WordPress.com itself uses the open source WordPress software. Even thought WordPress.com uses the WordPress software in its core still it doesn’t meet the user requirement as it have various limitation.
WordPress.com contains a lot many of its terms and condition so that a user doesn’t abuse there site and which make most of the users to switch themselves to self-hosting.
Some of the biggest problem with WordPress.com is that you have a limited access such as you cannot install the desired plugins and custom themes.You need to choose themes from the site itself that is about 165 themes are available you need to choose from itself.
On the top of all that is the terms of monetization that is you cannot monetize your site using the platform like Google Adsense on WordPress.com.