BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX a bill for {$600.00} from XXXX was sent to AFNI INC due to unpaid phone bills. The bills were in my name but but being used by a different person. This person fled continuing to use the phone and service. I have paid the collection service in hopes to have this resolved and the collection had been disputed. I received a credit reporting this month stating that this collection will remain on my record till XX/XX/XXXX and i am desperate to have this removed from my credit. I am not at fault and looking to resolve this as soon as i can. I was unaware that i was still being held accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Ocwen Financial Corporation
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have paid my mortgage payment, XXXX XXXX XXXX on XXXX XXXX since XXXX when I purchased the property. County taxes were received XXXX XXXX from the closing in XXXX. The mortgage company failed to send XXXX taxes to county.. A lien was placed on the property and then sold. The end of redemption is XX/XX/XXXX. The county taxes have been escrowed, however, the mortgage company have neglected to pay the taxes to the county Or attempt to resolve this issue in a timely fashion. When calling the mortgage company they transfer me to the escalation department. They tell me the tax department is taken care of this. And 14 months of me calling weekly, nothing has been done. And now we risk losing our home to a tax lien at no fault of our own. We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have been working through the red tape presented by Fifth Third Bank as the Mortgage Company, insurance checks were issued to Fifth Third Bank and us as the homeowners. Upon receiving the insurance checks, I notified Fifth Third Bank and asked for guidance on the necessary steps required to assure a smooth transition of endorsing the checks and making payment to the contractor. 
Upon receipt of the final settlement checks, I received notification from Fifth Third Bank of additional documentation required. All requirements should have been disclosed by Fifth Third Bank during my initial inquiry. Much of this documentation could have been provided months ago to assure no delays in making final payment to the contractor. Two months after the job was completed to the satisfaction of XXXX XXXX and myself, I have been presented with additional requirements which are causing further delay of final payment to the contractor. 
It is understood your need for the insurance estimate details and the Contractor 's work order which outlines the work to be performed and materials necessary to complete the job. However, it is unacceptable to require an inspection of this job be completed by an inspection company of Fifth Third Bank 's choice, at my expense. XXXX XXXX has verified completion of the work performed, to their satisfaction, with a final inspection at no cost to us the homeowners, for which they have made payment. 
Fifth Third Bank is now interested in working with me " to ensure that my home is restored to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company will be able to demonstrate that the work performed on my home restored it " to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company assessed the damages to my home prior to the contractor beginning the job. The only thing that Fifth Third Bank is able to assure is payment to their chosen inspection company, at my expense. This is absolutely unacceptable. 
I 've requesting that Fifth Third Bank waive the need for an inspection, at my expense. There will be no basis for which this inspection could possibly demonstrate the before and after state of my home. To ensure that the work being performed on my home was of quality craftsmanship and done to the specifications of the estimate, I monitored this job by being on site and visible. This required me to take time off from work, at my expense. With that said, Fifth Third Bank is welcome to send an inspector of its choice, at its expense. 
By pursuing an inspection at my expense, a formal complaint with the Consumer Financial Protection Bureau will be filed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX, I refinanced my mortgage. Because of the way the dates fell, after payoff I was due back approximately {$1800.00} from my old lender ( Freedom Mortgage serviced by LoanCare ). One month after payoff, I called to inquire about my refund check. The XXXX rep said I had to wait 3 months before they would look into it further or reissue the check. I called back on XX/XX/XXXX. The XXXX rep had trouble finding my information because she said the loan was " closed '' and " archived '' so she had no record of it in her system. She said she 'd put in a request to have it reissued and I asked her to verify my address and she said it was correct. Weeks later ... still no check. 
I called back XX/XX/XXXX and was told the earlier Rep had " messed up '' and did n't file the proper reissue request. Then I was told my address on file was also wrong ( they had # XXXX instead of XXXX ). This Rep promised to put a rush on my reissue request. I called back last week because I still had n't received the check. This time I asked to speak to a Supervisor who claimed his name was XXXX XXXX and ID # was XXXX ( but he sounded as if he was lying ). He said my loan was closed and they did n't have access to my information. He could n't confirm the status of my refund check nor whether my address was correct. When I pleaded for help as I needed that money and asked him, would n't he follow up on nearly {$2000.00} if he was in my shoes, he said " No M'am ''. He pretended to take my email address and phone number and promised to follow up. Now nearly 7 days later and he has not followed up nor have I received my refund check. This is illegal for this company to hold my money in this way and claim to have no record of it. I can not believe this servicer is allowed to exist. They are corrupt and a total mess. I just want my money back that is rightfully mine, and I want the CFPB to investigate this company. Just look at their XXXX reviews to see how horrendous they are : XXXX They are stealing from US citizens . Now it is getting close to tax time and I was counting on these funds to pay my property taxes. What am I supposed to do?

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 2022-02-25
Company: EQUIFAX, INC.
State: CA
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
So my car was repossessed from Fifth Third Bank. They said I need to pay {$660.00} because of a late payment in XXXX 2016. I look back and that was when I had a deferment because my husband was out of work. They told me to fill out a letter and send it in. I have proof that I sent the email in and signed it. They told me there would be an extra monthly payment added on to the loan. Now XXXX XXXX, 2016 my car was repossessed and I had no idea why my car payment was sent through mail a little over a week before ( because they said I am not eligible for the online payment ). I called confused and they said once your payments go through then we can give you the release form. Then my husband called and they said we owed XXXX in repossession fees ( including the 2 payments of XXXX on there way ) I was confused to why it was that much when my car payments are {$280.00} per month and {$290.00} when they are late. So I called again to try and understand where this money came from and they said it was from XX/XX/XXXX when we missed a payment. That 's when I explained that was our month of deferment. She then tells me it was n't approved. I explained how I would be told if there were any problems with the deferment process that she would contact me. The representative then told me we were contacted multiple times and left voicemails. I then asked what phone number they have been calling and she gives me numbers that do n't even have the same area code as me. I know they have my phone number and my husband 's on file because that is how I verified my account. On top of that they have my mailing address. She then puts me on hold so she can talk to her supervisor. They are now giving me a deferment for XX/XX/XXXX and adding repo fees to XX/XX/XXXX and XX/XX/XXXX but I still have to XXXX XXXX the {$660.00}. I just feel like I should n't even be in this position right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account with Regions Bank. and had an ACH from FEMA for {$9000.00} deposited into it. then another ACH out of the account for {$8600.00}.

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 2016-04-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
I 've been a diners club card holder for about 10 years. A few years back, I stopped using the card. When I moved a year ago, I changed my address with what I thought was all of my accounts, but I missed Diners Club. Since I was n't using the card regularly, I did n't get statements, and so nothing was forwarded from my old address. Then, Diners Club charged me an annual fee on the account. I never received a statement, or an email ( my email address was current with the company ). I only noticed something was wrong when I checked my credit report, and they were showing me 90 days past due for XXXX {$100.00}. When I called them, I discovered it was because of an annual fee. Despite saying they would fix my credit report, it 's still showing the past due at all three bureaus after three weeks. It 's unconscionable that credit card companies can tarnish your credit report simply because you did n't pay an annual fee -- I can understand closing the account, but to be penalized for years because of an unpaid annual fee is ridiculous. What is your credit score supposed to represent? I 've got pristine credit with nearly XXXX accounts over the past 25 years. It should be illegal to report to the bureaus just because of an annual fee.

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 2015-11-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Had funds taken out of my acct that were not supposed to be from my account. Saw the check withdraw of {$630.00} called and after a 20Min call was told bank mistake would try to credit account would take up to 48 hours. Later that day curious checked my acct to find that my acct was not credited but again debited another {$630.00}. Called talked w XXXX acct customerService and was told hopefully can credit acct tomorrow but wo n't find out until tomorrow what? The second charge was pending just reverse was told could not so now I am waiting on XXXX credit! Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Seattle Service Bureau, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company nam ed National Services c alled my husband on  XXXX   XXXX   XXXX  at  XXXX    XXXX   CST from phone number  XXXX . They called saying we owed for a medical bill of {$250.00}. They did not say who the doctor was, and they attempted to pressure us into giving them contact information. We told them we did n't know what they were talking about, since we have no outstanding medical bills and that they needed to send it in writing. They said they did, but we have never received it.  <P/> It is possible that a  XXXX  we did business with is fraudulently trying to collect on money they refunded to us in  XXXX   XXXX  over a dispute. They fraudulently attempted to charge our insurance company (  XXXX  ) for the amount they refunded but were denied payment. They never sent us a bill. I will not contact that  XXXX  about this because we do n't trust them, that was the dispute we had with them, and they refunded the money, thus admitting they were in the wrong. Their contact information is :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , UT  XXXX  Phone : (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Avant Credit Corporation
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I contacted Avant Credit after reading about them on a divorcing mom 's blog on XXXX XXXX 2015. I am mom who fled a domestic situation in Florida with my XXXX year old daughter, who was XXXX. I moved to a new apartment and needed help getting essentials so that my daughter and I would not be sleeping on the floor. I got the application online and filled it out. Someone called me withh in 15 minutes and said that I qualified for the loan and just needed to provide financial information to show that I could pay back the money. I provided pay stubs, and bank statements. I went back into the program to sign my contract when they said I could, but it would n't work. I spoke to the same rep and she said that I spelled my last name with an L instead of an I. I thought that was strange. She told me to sign it with the L and everything would go through. From there I was contacted and harrassed for maybe XXXX times for financial information, resigning contracts for the same loan, and given empty promises that the money would be deposited into my account. The XXXX time the money was supposed to be deposited, I received an e-mailed letter from Avant stating that the money would be deposited into my bank account ending in XXXX .... I contacted them and told them that the number was wrong. I assured them I double checked it and know that i entered the correct information. ( I have XXXX emails supporting what I am saying including the many times they asked me to resign the contract. ) They said that they had to hold my loan until it was returned to them within 3 days and that then they would deposit the money into the correct account. On the XXXX day, they asked me for a voided check for my account so that they could correctly deposit the money. I sent that information to them. 
They said someone would get back to me by the end of the week. Monday rolls around and no money and no call. I called them, they said they received my information and they money would be deposited the next day nothing. Finallly, I went to my bank to see if they had attempted to put any money into my account. The rep there said there had been no attempt. Then, she checked to see if money had been placed in the account with the " mistaken number '' in it. She checked and said that the account number did n't even exist. Then she told me to call them and tell them that she would wait while they deposited the money. The young man, claimed there was an IT problem on their end and said the he would ge to the bottom of it, Friday, and call me on Tuesday. I told them I knew that the wrong account number was false and that I intended to report them to you. They have all of my financial information, including my checking accounts, social security number, bank statements, addresses, etc ... Please help. Oh, and I never got a call back and they never deposited the money. It is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting robocalls from comenity bank u p to 6-7 time s a day after I stated that I was paying them before the  XXXX  of the month. There is no way to stop this call from happening although it is supposed to ask if you would like to stop these types of calls. This is a form of harassment. The next time this happen, I will use my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: MoneyLion Inc.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
my chp XXXX bankruptcy included a loan from moneylion which was discharged. since I filed for the bk the company has been charging me {$10.00} for this moneylion plus membership that was a non negotiable surcharge in order to obtain the original loan. I have once already complained to this company that they were taking bi weekly payments out of my check for the principle and interest of the loan while I was in the bankruptcy and they therefore refunded the transactions that occured during the automatic stay of relief. However this MONEYLION PLUS MEMBERSHIP FEE IS A HIDDEN CHARGE THAT THE COMPANY IMPOSES IN ORDER TO OBTAIN THE ORIGINAL LOAN AND SHOULD HAVE ALSO BEEN STOPPED, WHICH MONEY LION HAS FAILED TO CEASE COLLECTION UPON AS OF XX/XX/2019. I request that money lion returns all of the funds collected from my XXXX XXXX account DUE TO THIS MONEYLION PLUS MEMBERSHIP TOTALING {$150.00}, as of XX/XX/2019 and IMMEDIATELY CANCEL THIS MONEYLION PLUS MEMBERSHIP WHICH WAS THE ONLY WAY I WAS ELIGIBLE FOR THE ORIGINAL LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
One two separate occasions XXXX and XXXX my escrow payment increased. These increases caused my payment to have shortages. 
XXXX Issue : When this happened in XXXX I sent in the shortage amount and it was received before XXXX, but the offices were closed for the XXXX holiday and not credited to my account. This triggered a computerized non-payment ( 30 days past due ) process, because it was not in the full amount. All XXXX of the major credit bureaus were given negative 30 days past due remarks. I eventually got a supervisor from Freedom Mortgage to fix the problem and sent me a letter that the credit bureaus were notified to remove the negative remarks. Fast forward to XXXX and the XXXX 30 days past due is still there. I only noticed because once again something similar occurred. 

XXXX : Similar situation, escrow increase, I adjusted my scheduled payment for the wrong month. I did n't realize anything was wrong until I got the financial hardship paperwork, I was confused since I made all my payments. I called them immediately and they said I was short on a payment ( {$120.00} ) and they did not credit any of my payment. I was told it would not be marked late if sent in the shortage right away. I did this and obviously that was not good enough and I was marked 30 days past due ( even though they assured me I would n't get marked late with credit bureaus ), then I got hit for 31-59 days past due because they were just holding 2 months worth of payments and not crediting my account. I spoke CS everyday Mon-Fri during the month of XXXX. I was sincerely trying to deal with this problem, I even sent in the shortage amount again during the month of XXXX, which seems to be an over payment. I waited the entire Month of XXXX to get in touch with a supervisor, calling every other day with no luck. They called my house phone once while I was work even though I specified them to call my mobile number. For the last 2 weeks in XXXX, I never got a call back from a supervisor to address these issues. I was told it would take 2-3 business days by a CS rep eventually, but that never happened. There 's no way to call back a supervisor and every CS rep has a different supervisor so you have to go through the front line ( and the long process ) every time you call in and hope that a supervisor is available ( never ), or will actually call you back ( not likely ).

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 2015-11-06
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Rewards

Complaint:
Over the past couple of month, I have made several purchases of various electronics and other health related items. Discover is/was offering a promotion where they stated that customers would receive a 10 % reward bonus for using their XXXX account when making the purchase with their Discover Card. I was just sent an email today informing me that I would not be receiving this 10 % reward bonus even though it was specifically stated in the terms that it would be awarded. I called their XXXX number and was told that they thought that I purchased gift cards because of the dollar amounts. I did not purchase any gift cards with this promotion. They still refused to award the points and said that I could send them receipts. This seems ridiculous considering that these purchases were from two months ago and some of them have some private information on them, including various medications that my family members are currently on.

Company response to consumer: Closed with explanation