BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Greetings, As of today, starting roughly around XXXX, I began a series of several phone calls to " Fifth Third Bank '' ( FTB ). Previously I received a letter from them that my current mortgage had been transferred to FTB. I therefore, wished to open an account profile online in order to AUTOPAY our mortgage as we have always done. To this moment, XXXXXXXX XXXX, I am now on my 6th phone call to set up my account. Each phone call has approximately a half hour wait time. My wife called on her phone as well, whereas, both of us were calling to get some kind of support. During one of the conversations, an XXXX, Name : XXXX XXXX : was asked for her NMLS ID : of which she responded, WHY..and gave me quickly a " FAKE '' number ( XXXX ), after being stern and requesting it again, knowing that the numbers were incorrect, I asked again. She finally gave me the correct number. But refused to give it in a manner that was understandable. I was able to find her on the consumer website none the less, for your review. This response, in addition to all the endless call transfers that go nowhere are unacceptable for honest consumers who are doing and making a diligent effort to pay a bill. Each call only inched me closer by a small margin. By the time I gained access to my account via a more helpful and resourceful agent, the access granted had no timed out. I had to start all over again. I finally, and stern bound, was able to speak with a supervisor above his subordinate ( XXXX XXXX who stated that I could not be HELPED, and he was able to reset my web access. I entered the information as agreed, and finally was moved to yet another step. However, now, I was greeted with an error. And once again I have to start all over again. After 4 hours of wasted time. This is a short version of the whole story.

No consumer, should be guided through a 4 hour " frustration tactic '' which could cost them a negative impact on the consumers credit report, risk repossession, legal charges and so on. No consumer should be lied and given a phoney NMLS number when asked. No consumer should be rushed off the phone when asked for an NMLS number. This company has numerous complaints in addition to the XXXX XXXX XXXX complaints of similar nature. As of this moment I will filing complaints with all the federal and state agencies who will be involved. I will not risk my credit being damaged, nor any other consumer who may have their rights violated. 

Please feel free to call me ASAP regarding this issue of formal complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The account from XXXX XXXX XXXX w/ a balance of XXXX is inaccurate.

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 2015-10-26
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX. Called about an old payday loan. It 's long since been written off. They called me, did n't disclose it was a debt collection call. I had to ask four times what it was about. They claimed is was a bounced check. Another 4 times until they said it was for Check n Go. I hung up on him. Immediately called me back. I hung up again. Then they sent me an unsolicited email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: EQUIFAX, INC.
State: NJ
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:
I disputed multiple inaccuracies on my account without success I would like them deleted immediately Account XXXX Account XXXX also late payments reporting that were never late XXXX XXXX   Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: STONEGATE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
STONEGATE MORTGAGE CHARGED ME PROPERTY TAX AND HOME OWNERS INSURANCE FOR THE YEAR XXXX, HOME WAS BOUGHT IN XXXX XXXX, ALL THESES FEE 'S WERE PAID AT CLOSING IN XXXX, XXXX XXXX XXXX. THEY CHARGED ME HOME OWNERS INSURANCE FEE 'S OF XXXX. WHICH WAS NOT DUE XXXX, I WAS ALSO CHARGED IN XXXX, WHEN THE POLICY RENEWED IN XXXX XXXX, ON XXXX XXXX I WAS CHARGED XXXX. FOR PROPERTY TAX, WHICH MY TAX BILL DID NOT COME OUT UNTIL XXXX XXXX. WHICH I ALSO PAID AGAIN IN XXXX. THEY RAISED OUR ESCROW ACCOUNT EVERY YEAR WE HAD THE LOAN, THIS YEAR IT WAS RAISED XXXX a month. a total of XXXX a month. THERE IS ONLY XXXX TAX BILLS ON THIS HOME, FROM XXXX, XXXX, XXXX XXXX THEY DEDUCTED FROM ESCROW ACCOUNT THE PAYMENT FOR TAX 'S. XXXX OFFICE SHOWS PAYMENT MADE XXXX XXXX XXXX. EVERY MONTH OUR ESCROW ACCOUNT GOES UP AND DOWN. WE HAVE A USDA LOAN FEE DUE ONCE A YEAR. {$440.00} I HAVE ALL DOCUMENTS TO VERIFY MY ACCOUNTS, ALL STATEMENTS FROM THE BEGINNING OF THE LOAN TO CURRENT. OUR CLOSING PAY OFF IS CHARGED XXXX OVER THE PAY OFF BALANCE. THEY ARE REQUESTING MONEY GO TO OUR ESCROW ACCOUNT, FOR WHAT. WHEN WE SELL THE HOME, WE PAY OUR TAX 'S FOR THE YEAR AT CLOSING. THEY SAID THEY ARE CHARGING ESCROW FUNDS TO GO FOR TAX 'S IN XXXX. I JUST WANT MY MONEY BACK. I HAVE ARGUED WITH THEM FOR OVER A YEAR. BUT I CAN NOT GET ANY WHERE, PULL UP XXXX XXXX TAX COLLECTOR. PUT IN MY NAME XXXX XXXX. SEE HOW MANY TAX BILLS THERE ARE FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!! AND I WAS CHARGED FOR XXXX, THAT EXPLAINS WHY EVERY YEAR I WAS COMING UP SHORT. THEY HAVE HELD PAYMENTS FOR LATE CHARGES, I WAS ONLY LATE A FEE TIMES, WHEN I WAS I MAILED PAYMENTS OF XXXX FOR THE LATE FEE, I HAVE STATEMENTS HERE WHERE THEY BILLED ME, FROM XXXX TO XXXX FOR LATE FEE 'S. I JUST WONDER HOW MANY MORE PEOPLE HAVE BEEN THREW THE SAME THING. I ONLY HOPE IT IS ALL CORRECTED AND I GET MY MONEY BACK.. THANK YOU FOR YOUR HELP XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
THIS LOAN HAS BEEN ONGOING FOR 12 YEARS, AND DO NOT KNOW WHAT THE XXXX IS LEFT AS XXXX KEEPS COMING UP ON MY STATEMENT, IT IS LIKE A DRAIN BACKING UP UNTIL YOU GET MTHE CLOG OUT IT WILL KEEP BACKING UP, TERRIBLE. ALSO I DO MY PAYMENTS BY CHECK AND A STATEMENT DID NOT ARRIVE AT THE HOUSE AT IT NORMALLY DOES, THIS WENT ON FOR TWO MONTHS, I DO NOT KNOW IF THEY ARE FOCING ME TO ONLINE BANK, NO I WILL NOT DO IT, A CHECK TO THESE PEOPLE OR WHEREVER HAS BEEN GOOD FOR 12 YEARS WITHOUT A LATE OR MISSED PAYMENT. AFTER THIS I GO ONLINE AND SEE THE BIG RED MARK BEHIND THE STATEMENTS. LATE FEES AND SO ON, WHICH THEY WILL NEVER GET. I HAD THE LOANS THROUGH XXXX WHICH I HEARD IS NO LONGER IN BUSINESS. I WOULD LIKE AN INVESTIGATION INTO THESE PEOPLE AND FORBEARANCE OF THIS LOAN, ICH I NEVER HAD A CHANCE TO USE AS A XXXX. THIS WAS MHAD MANY LENDERS NAMES ON IT AT LEAST 4 OR 5 THAT ARE IN THE LOAN SOMEWHERE, THEY KEPT CHANGING NAMES AND SENT ME BOOKS FOR PAYMENT METHODS BY MONTH, THEN THIS QUIT AND ANOTHER COMPANY TOOK OVER, COULD N'T KEEP UP WITH ALL THE MANEUVERING AROUND WITH THE MONEY FOR THE LOAN, FINALLY THESE CLOWNS NAVIENT APPEARED INTO THE ACT, NOT TO HAPPY WITH THEIR PERFORMANCE EITHER. PLEASE GET ME OUT OF THIS LOAN AS IT MEANS NOTHING TO ME ANYMORE WITH THE DEGREE XXXX CHOSE, THE XXXX NEVER HONORED WHAT THEY TOLD ME AT THE BEGINNING AS PLACEMENT AFTER GRADUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Barclays XXXX account was closed. I was notified via a letter dated XXXX/XXXX/2016. The letter referenced the reason was " history of account usage. '' I did not, to the best of my knowledge, violate any published terms and conditions, and my account was always paid in full. While I understand Barclays may close accounts if it sees fit, I lost earned award points. In contacts with Barclays they have been unwilling to credit my account with the rewards.

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 monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/DEPT of ED # 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

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 2022-06-03
Company: EQUIFAX, INC.
State: SC
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home XXXX XXXX, I have never refinanced my home and my mortgage has ALWAYS been escrowed. My current servicer is PNC Mortgage and my previous insurance company was XXXX XXXX XXXX. Im not quite sure of the dates but this is how PNC and XXXX XXXX explained the timeline. 
Around XX/XX/XXXX- XX/XX/XXXX there was an additional payment that was requested from XXXX XXXX for increased dwelling. Somehow PNC never got the request so a notice of cancellation was sent to PNC XXXX XXXX PNC calls the insurance broker for XXXX XXXX and spoke with XXXX . XXXX confirmed my insurance policy was still active XXXX XXXX PNC sends a check to XXXX XXXX XXXX for the renewal payment but the check gets rejected. Once PNC calls XXXX XXXX again, they told PNC that they cancelled the policy XXXX XXXX PNC puts forced insurance on my property from XXXX XXXX to XXXX XXXX for nearly {$3000.00} a year! 
Now for the last 3 months PNC increased my monthly by $ 300 monthly! NOT TO MENTION THAT I DIDNT RECEIVE A SINGLE PHONE CALL UNTIL AFTER FORCED INSURANCE WAS PUT ON THE PROPERTY ( funny how the timing favors PNC! ) I have called both companies multiple times and they always respond with " Let me investigate this and get back to you sir '' I havent received a single phone call from anybody. Im sure {$300.00} a month is nothing to PNC and XXXX XXXX but it is for me. 
Both companies just sit there pointing the blame on each other when IN THE END I GET XXXX WITH A HIGHER PAYMENT!! 
PNC even paid XXXX XXXX when my loan got transferred for a renewal on the previous insurance policy. Ive NEVER had a late mtg payment, my mortgage is ALWAYS escrowed but the way they are handling this, its just not right. I feel very taken advantage of when I did not do anything to cause any of this. Escrow accounts are the responsibility of the servicer, that is why I paid extra monthly. The agreement in the beginning is to trust my servicer to pay for my taxes and insurance when they are due. Im sorry but this is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Aargon Agency, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Aargon collection agency is trying to collect a medical debt from 2017 where my health insurance has already paid. I had a XXXX in XXXX of 2017 and I have contacted XXXX ( my health insurance company ). Ive contacted the hospital and they unable to provide a statement of charges that aargon is trying to collect.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I submitted a complaint in regards to inaccurate information being reported in my credit 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 2016-11-12
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted my mortgage payment to Quicken Loans on XXXX/XXXX/2016. 
The payment was never withdrawn from my account ending in XXXX. 
When I called Quicken Loans to inquire why that was the case, I was told that Quicken Loans had XXXX similar checking account accounts on file for me. 
I was assured that the incorrect account would be removed, and that my payment would have be redeposited, without affecting my credit because I had paid before being 30 days over due. 
I have called Quicken Loans, but I have only received empty promises that someone would call me back, and that everything will be taken care of. 
No one has called me back, and Quicken loans has not withdrawn any payment from my account, but instead, had referred me to multiple credit bureaus indicating that I am either 60, or 31-60 days late when this is not the case. 
Quicken Loans has not provided me with a good level of service ever since I became a customer. 
Furthermore, even though my insurance was renewed with a effective date of XX/XX/2016, Quicken Loans never made my premium payment, and had not done so until I called to complain on XX/XX/2016. Quicken Loans did not make a payment in my behalf until XX/XX/2016. 

Quicken Loans have never treated me well. 
The following explanation, and my current mistreatment are the basis for my rationale to finally file a complaint with the CFPB : When I applied for to refinance my mortgage, Quicken Loans accepted an appraisal that was based on houses that were not in my neighborhood. As a XXXX, I was shocked when Quicken Loans accepted a blatantly under evaluation that was based on minority neighborhoods, instead of using evaluation from my more prosperous and predominately XXXX neighborhood. 
To further prove my point, even though my house is the exact same as my neighbor 's and had recently undergone a complete renovation, my house was appraised for {$91000.00} less. {$120000.00} for mine, and {$220000.00} for theirs. 
I have brought this to Quicken Loan 's attention before, and nothing was done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Started in XXXX when I started to fall behind. I got in touch with my mortgage company, to see what my options where. They sent out a package, was told to fill it out. This has been an ongoing issue. I feel like they haven't been incompliance with the USDA loan guide lines. They would make our payments high to where we couldn't pay. We where told we couldn't make a payment in that they would not expect it. So from XXXX to XXXX we have been filling out modified package to keep our house. The lady today XX/XX/XXXX that we have limited access to our account, so if that's the case how am I supposed to know what is going on. I have been in contact with the XXXX XXXX from the # XXXX hope they advised me that my mortgage company was/is supposed to let me know what options there are for me with help on my mortgage. They have not. We are on a active forbances and they are not supposed to be processing paperwork untill its over. The lady said today once they get the rest of the paperwork then they can finish processing everything. She said we are in an active forcloser and we are not supposed to be.they are not following USDA loan guide lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
I have had billing issues with Synchrony bank XXXX XXXX cars. I have always made my payments on time never been late. I called in XXXX to get my regular balance for this card, not any of the promotional balances was told I owed XXXX, so I paid that in full, I have them telling me now that I owe XXXX and they charged me a XXXX late fee, I have XXXX promotional balances, No INTEREST, that have not expired, I have talked to so many people and supposedly a manager XXXX yesterday and there is a charge out of ohio for XXXX that I did not put on there, and no one knows anything, I think they are using under handed ways just to get money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-05
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
To Whom it may concern, I am extremely unhappy with the recent finance charges charged to my Barclay card account. I applied to this card via XXXX solicitation. When I applied, I was under the impression I had 18months at 0 % to pay this off. Apparently, I had only 12 months at 0 %. Which was not made clear whatsoever! This is the first card I 've done online statements with and never checked them because I always pay each month on time and thought I had 18 months to pay it. I received no notification via mail, phone or online saying my 0 % was expiring. The only reason I noticed something was wrong was because my account balance was off. I 'm truly disappointed that no one could call or make it easily and visibly apparent my 0 % was up by putting it on the main personal dashboard page and/or in the online payment section. I feel duped and taken advantage of ... .bait and switch for sure! I 'm a good paying customer and will no longer be a customer due to this method of business. While I appreciate the partial refund, I do not believe I owe anything because I was not aware my 0 % was up and believe they want online statements to gain money from unaware customers like myself. I believe I am owed back the difference I 've been forced to pay in interest. They charged me the interest for the entire year because my 0 % was up ... I had money to pay in full but was going to pay monthly because I thought I had 0 % for 18 months. Almost {$200.00} ... Unreal! From what I have found online they have done this to many many customers!! Appalling and criminal!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I opened a CareCredit account in XXXX of XXXX. I charged my XXXX treatment to the card ( about {$3500.00} ) and signed up for automatic payments. I arranged for {$120.00} to come out of my checking account each month. I was aware that it was only interest free for 1 year 's time and wanted to pay off at least half of the charges. In XXXX, when the promo period had expired, I realized that CareCredit had been lowering my payment from {$120.00} to their minimum payment. Looking back at my records, they began lowering my payment from {$120.00} to {$91.00} until eventually, {$70.00} was being deducted, something I had not authorized. After doing some research, I realized that CareCredit had been ordered to pay {$34.00} XXXX in a class action lawsuit in XXXX for that very same reason. I did n't know about the lawsuit at the time I opened the account and if I did, I would 've never opened an account with CareCredit. Now, I am paying {$200.00} a month, and it 's as if I never paid anything on my account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, I called my credit card company to get a payoff. I paid off the account per the amount that was told to me. On XXXX XXXX, I received a statement saying I owed money. I called, and they told me it was because I was only paying the minium amount that was due and it was because I paid it off after my due date. They would not waive the amount and keep telling me they can not do this and that I owe that money. Again, arguing, I called for a payoff on XXXX XXXX, the amount I paid is what I was told to payoff the account.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX began reporting on my credit report in XXXX. Account listed as opened in XX/XX/XXXX and closed XX/XX/XXXX, first issue. Account could not have been opened after it was closed. Second issue, account isnt mine. Ive disputed multiple times in writing via certified mail and verbally. No debt validation was ever received. XXXX agreed account is not mine and reports sending deletion to bureaus on XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX today and they state they haven't received a dispute from the bureaus but have sent requests for deletion.

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