BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Complaint : Rocket Mortgage failure to itemize Appraisal Fee and XXXX XXXX XXXX ( AMC ) Fee separately on provided Loan Estimate and Closing Disclosure for an FHA Mortgage. Rocket Mortgage purports that the AMC was lumped into the Appraisal Fee ( which is illegal per 12 CFR 1026.37 ( f ) ( 2 ) and 12 CFR Part 1026.38 ( f ) ( 2 ) ). In addition, AMC fees are not excluded from the definition of " finance charge '' under 1026.4 ( c ) ( 7 ) ( iv ) - which can result in discrepancy of the APR. 

Timeline : XX/XX/2022 Rocket Mortgage provided a Loan Estimate to me which included an XXXX XXXX of {$1000.00}. No XXXX XXXX XXXX Fee. 

XX/XX/2022 Rocket Mortgage provided a Closing Disclosure which only included an Appraisal Fee of {$1000.00}. No XXXX XXXX XXXX Fee. 

XX/XX/2022 FHA Appraisal conducted. 

XX/XX/2022 FHA Appraisal Report issued to me with the final Appraisal Fee of {$800.00}. 

XX/XX/2022 Rocket Mortgage charges my credit card for {$1000.00}. 

XX/XX/2022 I sent an email to my broker regarding the incorrect charge and refuted the charge as unauthorized with my bank. The broker communicates this to Rocket Mortgage. 

XX/XX/2022 Rocket Mortgage responds by email to the broker that the charge was correct and the fees were disclosed according to " guidelines ''. 

XX/XX/2022 I respond to the broker with the following : I've included the LE and CD which were provided to me and highlighted the sections titled " Services You Can Not Shop For '' and " Services Borrower Did Not Shop For '', both specifically cited within 12 CFR Part 1026.37 ( f ) ( 2 ) and 12 CFR Part 1026.38 ( f ) ( 2 ), respectively, that a lender must separately itemize Appraisal Fee and XXXX XXXX XXXX fee on the XXXX and XXXX in the highlighted sections. 

I am already past opportunity to receive my earnest money back and my closing date is XX/XX/2022. Pursuing another lender at this point guarantees I would not be able to make the current closing date. The only option I am now left with due to Rocket Mortgage 's discrepancy is to either continue business with them ( knowing they've blatantly acted illegally ), or lose my earnest money, inspection cost, appraisal cost, and potentially the home itself if the sellers aren't amenable to extending closing to allow time for me to find another lender who will likely require a new appraisal. 

Attachments include : XXXX ) Email chain with broker and Rocket Mortgage ( Lender ) XXXX ) Loan Estimate provided XX/XX/2022 XXXX ) Closing Disclosure provided XX/XX/2022 XXXX ) Appraisal Report with final Appraisal Fee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to request your assistance in resolving my mail fraud case and restoration of my {$14000.00} in stolen checking account funds. Per your instructions, I have filed a separate complaint regarding XXXX XXXX so this complaint is specific to PNC-my bank and where the checking account involved resides. My intention in contacting the CFPB is to motivate PNC to respond. I also imagine I am not the only consumer waiting on a response from PNC ( or XXXX XXXX ). 

I was a victim of mail check fraud in XXXX, XXXX, as a result of the armed theft of XXXX XXXX from U.S. Mail carriers in the XXXX region XXXX As the first anniversary of my theft approaches, I am still awaiting restitution of the {$14000.00} in stolen funds from my PNC bank account. Per PNC, they are still waiting to hear from XXXX XXXX, the recipient bank that cashed my fraudulently altered check and, since XXXX XXXX does not have any real presence in Ohio, this is further complicating the timely resolution of my case, per PNC. I have also been told by PNC that there are no rules regulating timeframes for the banks to respond. However, as a customer, I had 20 days, per PNC policy, to respond and prove the fraud or I would lose all future rights to any claim or restoration of my funds. I have complied with all of PNC 's request for information and filing of XXXX Police and Inspector General reports and within the 20 days required timeframe and all of these documents have been provided to PNC last year. 

It has been challenging to receive any detailed information about my case, anticipated timeframes or even additional actions I can take as a consumer on my behalf, including where to complain. While everyone at PNC has been cordial and sympathetic, that has clearly not resulted in the expeditious restoration of my fraudulently stolen funds and has not moved XXXX XXXX to respond to PNC. My request is full restoration of my funds with interest by XX/XX/XXXX, which, as I understand it, requires XXXX XXXX to respond and work with PNC. The PNC reference number for my case is XXXX. The checking account # is XXXX. 

In addition, it appears expanded Federal regulations that will better protect consumers, improve transparency about this issue and mandate timeframes for responding, communicating and restoring stolen funds and advising consumers where/how to complain appears to be needed. In an ideal world, the Banks would step up to do this in the interest of customer service but I am doubtful that will occur without further Federal intervention. Please let me know what additional information you may require and I am best reached on my cell ( XXXX ) XXXX. Thank you in advance for contacting PNC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18
Company: Southern Auto Finance Co
State: FL
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:
Safco XX/XX/XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX No action taken yet I do Not recognize the hard inquiries on my account i may have an idea on whos using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: TX
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 contacted the XXXX as of XX/XX/2022 about this issue of them having the wrong person in this bill. I have filed the FTC report for identity theft and have not gotten a response from them on this. I have made MULTIPLE calls to them in which they have given me contact emails and numbers that DON'T work!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: FL
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:
EXPERIAN REFUSED TO UPDATE MY PERSONAL INFORMATION ETC PLEASE SEE ATTACHED FILE

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 2018-01-15
Company: Experian Information Solutions Inc.
State: NC
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:
My complaint is against XXXX and Experian. They have not removed the collection of XXXX XXXX XXXX off my credit report, when I have already filed a complaint against XXXX XXXX XXXX and the have reported twice that they have have the 2 credit bureaus to remove this from my credit report. Screenshots of the company response is attached.

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 2022-01-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an account reporting for a collection/chargeoff that does not belong to me. I have sent numerous letters to all three credit bureaus to investigate this account and all they do is say it's been verified with no dispute results or proof that the collection was validated. I know it couldn't have been validated because this account does not belong to me!!! 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # 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 2022-01-20
Company: ACIMA CREDIT, LLC
State: AZ
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:
The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: MS
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:
15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, 2021, Roundpoint Mortgage, without our knowledge, paid our insurance company ( XXXX ) our home insurance premium for the upcoming year - {$1100.00}. This amount divided by 12 equals {$96.00} a month. Roundpoint then added {$230.00} per month to our mortgage payment for escrow. Our closing documents state escrow for {$38.00} a month for flood insurance only. Since that time we have been unable to resolve this issue. Have had multiple phone calls lasting up to 3 hours. We have paid Roundpoint {$1300.00} over 3 different payments to cover their {$1100.00} payment made to XXXX yet they still say we owe more money and are late on our mortgage payment. They sent threatening letters mentioning credit bureaus, etc. ( Husband and I both have excellent credit in the high 700s ). I've asked to speak to a supervisor but request was denied. I've sent Roundpoint the requested documents to request removal of homeowners insurance escrow - first rejection letter back stated escrow account had a negative balance, second rejection letter stated no because we have been late with payments within the last 12 months. We have made our regular mortgage payment of {$1000.00} every month, just not the additional {$230.00} a month for the escrow we did not want in the first place and have paid over the original amount to fix. When I've called them I am sent into a 'black hole ' of reps whose speech is difficult to understand. Their insurance department just transfers me back to customer service. As stated above, husband and I have been trying to resolve this issue since XXXX with minimal headway and no end in sight. My husband is in poor health and the stress of the situation has negatively impacted him. Roundpoint appears to be a 'bait and switch ' operation and as consumers, it appears we have no recourse and can not request another company to facilitate our mortgage payments. We are requesting the homeowners escrow that we never requested/agreed to be removed from this account, and the amount we've overpayed refunded back to us. Please help!!

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 2020-11-05
Company: Franklin Financial  Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I researched companies for auto loan refinancing. I found this company online called XXXX XXXX XXXX XXXX. Someone from the company called me in claimed they can negotiate with my lender for a lower car payment they charged me half of my car note to start the process which was {$270.00} I have signed docusigned documents. After 2 weeks I hadn't heard anything from this company when I call them they never answer the phone. Finally I spoke to a lady named XXXX  she claimed I had to get all these different documents from my lender that they never mentioned at first I was suppose to get calls from a worker named XXXX he never called me! ... when I spoke to my lender my lender stated they never heard of this company and that they do no negotiate lower car payments ... I did more research on this company by XXXX  the phone number on the site. I found out they scammed more people claiming to help lower car payments ... I disputed the {$270.00} bank payment with my bank and they denied my dispute claiming they could find no evidence of fraud ... this company is not legit this is the website they use to scam people XXXX XXXX XXXX. There is not enough contact information shared I would like my funds returned to me this time period is already hard due to the pandemic yet you have people out stealing from people by lying like they are out to help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: August Real Estate Investments, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Failure to credit a payment to a borrower 's mortgage loan account as of the date of receipt in violation of 12 CFR 1026.36 ( c ) ( 1 ). 

Your company did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2200.00} This payment should have been credited to : - XX/XX/XXXX payment to principal, interest, escrow, or other charges. in addition, {$170.00} of that amount was to be applied as the additional principal amount. 
Your company failed to credit the payment I made on XX/XX/XXXX as of the date of receipt. This error resulted in an additional over {$43.00} per day in interest that would not have applied to my account. 
Your company did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2000.00} This payment should have been credited to : XX/XX/XXXX payment to principal, interest, escrow, or other charges. 

Escrow Errors : Failure to refund an escrow account balance as required by 1024.34 ( b ). 

I believe that I am entitled to a refund of excess funds in my escrow account and I have not received them. The insurance has been paid for the year and the total tax liability is less due to the homeowner 's exemption. 

My taxes are $ {$6000.00} without any exemptions as an estimate from county. 
my insurance is {$2300.00} which covers until XX/XX/2023. This is about eight months away. Currently, they are holding over {$5600.00} in my escrow account and continue to deduct {$440.00} per month for the next eight months. 
Please note the following : {$440.00} ( current escrow payment monthly ) x 8 ( months left until homeowners insurance is due ) = {$3500.00} additional by bill due date {$5600.00} ( current balance in an escrow account ) -- -- -- -- -- {$9200.00} in escrow total by the due date... 

Escrow payments due ( taxes and insurance ) {$6000.00} taxes rough estimate from county ( not including my homeowners exemption ) {$8400.00} for property insurance -- -- -- -- -- -- -- - {$8400.00} total bills due This is an overage of $ XXXX {$1100.00} once I include the homeowners exemption. 

Fee Errors : Imposition of a fee or charge that the servicer lacks a reasonable basis to impose upon the borrower. 

Your company incorrectly imposed a late fee on XX/XX/XXXX in the amount of {$75.00}. My XXXX payment was not late, it was sitting in your reserve account from my payment on XX/XX/XXXX that was not applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: NAVY FEDERAL CREDIT UNION
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 I notified navy federal credit union in writing to only contact me by mail. I notified them through their messaging system and received a reply to other portions of my written request. Since that time I have received over XXXX calls and voice messages from them including multiple calls per day at times. This is a violation of my rights and has impacted my daily life in a negative manner.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-02-19
Company: AES/PHEAA
State: CO
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:
1 - Since XX/XX/XXXX I submitted and updated PSLF/TEPSL Form to update my " eligible Qualifying '' payments and Fedloan has repeatedly refused to update my total payments. On the submitted form, Question 8 asked is your employer a government organization and I answered " Yes '' and the form states if " Yes '', skip questions XXXX, If " No '' complete XXXX. My employer has certified the form and I have re-submitted four times since XX/XX/XXXX and my information has not been updated. 
2- Also, 6 payments made, I have been told are not " qualifying payments '' and don't understand why. 
3 - Fedloan has refused to give me appropriate access to select which loan I want to make payment on. I have two loans and on the smaller loan, I am now making principal payments only. When I go to the website, it doesn't allow me to select the loan I want to pay on and I have repeatedly asked for this access so every month, I have to haggle with them to re-apply the payment made to the appropriate account. 
4. My XXXX, XXXX payment made was not included in my total " qualifying payments '', I am just getting the run around on this. 
4- Lastly, the customer service provided is terrible. I am getting confusing instructions on what to do regarding all of the above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
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: Account information incorrect

Complaint:
The account information was disputed based on Date of delinquency, Date of last payment, Date last active which by XXXX does not match. I disputed the information with XXXX and Transunion and the investigation by XXXX came back to the credit bureaus that the account information is accurate. I live in CALIFORNIA and this information is inconsistent under the CCRAA. 

FCRA 623 and FDCPA 806 ( b ) Maximum Possible Accuracy state that the creditor MUST enter a notice of dispute.If this is not entered the account can not report on the account XXXX p. 2-2 Industry Reporting Standards '' All accounts must be reported on a monthly basis. '' The creditor XXXX did not update the account status as " disputed '' while I was shopping for a new home at which time I was denied a mortgage loan. 

FDCPA 809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

This account should no longer be reporting because of the violation of my consumer rights under the CCRAA and the Rosenthal FDCPA

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