BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: Freedom Mortgage Company
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We have had our mortgage with Freedom Mortgage since XX/XX/2007. Sometime early on they began using a service company called XXXX. We did not send any payments to them as we did not understand what this is all about. Each and every single, on time payment has been made to Freedom Mortgage also indicated for what month and year the payment was made. They then advised us they took it back from the service company and gave the mortgage loan a different number. We have continued and have always made the mortgage payments on time and accurate. However, on a consistent basis they continue to send us a huge balance stating the payment was not received or is late. And then finally after speaking to several agents, a revelation came to me. This agent had said that the Loan service company is getting the payments and depositing them into their account that is XXXX as Freedom Mortgage uses XXXX. That it will take a long time to straighten out. The mistake is on their part and not on ours however they continue to hurt and report negative to the XXXX credit bureaus not allowing us to refinance with a different bank or mortgage company at a far lesser interest rate : That is why it is not important to them as with Freedom Mortgage we are at a 6.75 % interest rate. Oh if only you knew how exhausting this was. We have seen a lawyer, we have sent several letters to Consumer Financial Protection Bureau, XXXX and the Federal Trade Commission. Please, Please I am begging, pleading, praying and believing you can help us.

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 2015-04-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Order of events:1 ) I was notified of Bank Branch closing ; I recognized no other branch was convenient. 
2 ) I entered Branch and asked to have my accounts closed immediately ; They stated completed. 
3 ) Fast forward to yesterday. Attempted to add my name to newly married wife 's bank account in a different state ; Told by bank that I owed money on old XXXX bank account due to auto pay against the account after my closure of it ... 
4 ) I was willing to pay the amount though I should not have to. They say account debt sold to XXXX XXXX. 
5 ) XXXX XXXX states 5/3 bank took back debt on XX/XX/2014. 
6 ) XXXX Bank says no such debt for me to pay them but refuse to do a document to me stating I owe them nothing. They state it is with XXXX XXXX now and XXXX Bank. 
7 ) Called and transferred around XXXX Bank about XXXX times including hangups with XXXX resolution from anyone including supervisors. 
8 ) Basically I now have an outstanding debt of $ XXXX to be paid to??? no one but it is a negative on my record that it is impossible for me to resolve. 
I would like to have this cleared from XXXX XXXX as no one can tell me who I owe this money to. XXXX XXXX swears that I owe them XXXX ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: HI
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:
After multiple attempts with the bureaus I want all my personal information on all my credit reports to be 100 % accurate per the FCRA, XXXX, Equifax, and XXXX are either reporting outdated, incorrect, inaccurate, or missing information when it comes to my personal information which can lead to fraud, identity theft, being denied credit, denied a higher-paying career, or have trouble disputing inaccurate items on my credit reports. I have enclosed all documents that's needed to update or included the correct information, and supporting documents to delete outdated, incorrect, inaccurate, or missing information. I have included my Valid Hawaii State Drivers License to prove my identity and the name on my driver 's license should be the only name on my credit report all other reported names, alias, or also known as names must be deleted from my report immediately. Also, my birthday must be updated, my birthday is XX/XX/XXXX and should be updated on XXXX, My name should be reported as XXXX XXXX XXXX XXXX as is shown on my valid Drivers License and all other names must be deleted from my credit report immediately, also I have enclosed a current copy of my utility bill as proof as address and this is the only address that should be reporting on my all 3 credit reports, all other address must be deleted immediately per the FCRA also I have included a copy of my pay stud as proof of employment which is not being reported on any of my credit reports and must be updated as 100 % accurate. I wish to have this ongoing issue resolved in a timely matter as per the FCRA. I want an investigation done to why it hasn't been resolved and for the companies mentioned in this complaint to respond after updating my personal information and reporting correctly per the law. I also included a current screenshot of my credit reports personal information that's being reported as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I began working with XXXX XXXX and XXXX XXXX in XXXX 2015. Several times during the mortgage preapproval and application process I was told that I would receive communication back, either via a phone call or email, however, I did not. Having waited for said contact on multiple occasions over two months, mortgage rates have now risen. Because of their inability to follow through on what they said they would do, and the lack of communication on their part, I had to pursue my mortgage application with another company at a higher rate. My last conversation with XXXX XXXX ended on XXXX XXXX, 2015. He stated at the end of our conversation that I would receive a call back later that day. To date, I still have not received any contact. On several occasions, I had to call his office multiple times in one day. Specifically on XXXX XXXX, 2015, I called XXXX ; XXXX in the morning and XXXX at close of business, only to be told that I would receive a call back both times. I never did receive that call. Instead XXXX XXXX sent me an email to call him the following morning. Since I began the mortgage process, I have been pursing the XXXX Achieving the Dream product with the 3 % Down Payment Assistance Loan. Since XXXX 2015, the rate has held steady at 3.375 %. However, on XXXX XXXX, 2015, the rate rose to 3.5 %. Because I waited to hear back from these award-winning employees, I am now locked in at a higher rate, thus spending XXXX more over the life of my mortgage. I now highly regret engaging in contact with XXXX, believing that I would receive timely correspondence. During the course of my career, I have been trained to spot regulatory violations and this XXXX is glaringly obvious. It is exceptionally unfair that I am now subject to the higher rate and thus more money out of my pocket, because I waited for contact me back. Had these loan officers followed through not only in communication, but with my application, this could have been avoided. Furthermore, having sent XXXX XXXX and XXXX XXXX the XXXX pieces of information that constitute an application and receiving no response to date, this is clear violation of the service level agreements set forth by RESPA statute. I have attached a timeline of events depicting the correspondence between XXXX and myself. Emails and phone records are available upon request. I want to know what XXXX will do to rectify this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I believe I was a victim of mortgage fraud. My ex wife obtained a refinance/loan modification without my knowledge or consent. This occurred on or about XX/XX/XXXX. She either forged my name or electronically signed my name and provided my information without my knowledge. She obtained this loan through Caliber Home Loans, who sold the mortgage to XXXX on or about XX/XX/XXXX. This loan was obtained with forgery and false information and approved by XXXX. XXXX also ran my credit, doing a check resulting in a " hard hit '' to my credit without my knowledge or consent. XXXX also approved and processed the loan without my presence, written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received two separate insurance payments from the insurance company on a hurricane Michael damage claim. The first settlement was for {$44000.00} and a little over a year later I received a second payment on the same claim for {$92000.00} I sent the check to Fifth Third 's ( the mortgage company ) loss draft department via certified mail and they signed for it on XX/XX/2020. On XX/XX/XXXX I made an online request that the proceeds be used to settle the mortgage balance of approximately {$120000.00}. The loss-draft department acknowledged receipt of my request on XX/XX/XXXX as well in an online response that indicated someone would contact me " shortly '' ( I have all of these documents saved ) On XX/XX/XXXX I began calling to find out shat " shortly '' meant. On XX/XX/XXXX the request was forwarded from the loss draft department to the Mortgage Department. Since then on various calls I have been told it would take 3 business days, then 4, then 10 and then finally on XX/XX/XXXX I was again told it would be an additional 10 business days. 

During the time between their receipt of my money and their application of it to my mortgage my loan continued to accrue approzimately {$15.00} per day in interest charges. Additionally they held an overpayment in excess of {$7000.00} without payment of any interest for over one month. 

It is my opinion that the delays in this case were excessive and that the institution attempted to profit by intentionally inordinate delays in internal paperwork processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the MyChoice Plus Checking '' account on XX/XX/2022 at M & T bank from a promo page XXXX XXXX XXXX 
To receive a {$250.00} bonus I had to make qualifying direct deposits totaling at least {$500.00} within 90 days of account opening. 

The promo page was found in google- it was at the top of a search by mtb bank promo keywords. 
When I clicked Redeem Online '' on the page it asked me to fill my zip into the form with the message Enter your ZIP Code so we can connect you with special offers. Once I filled my zip ( XXXX ) it displayed Good news! A cash bonus promotion is available in your area, successfully passed me through, and applied the promo code ( TC ) to the account application. When I input all the required information the account was opened. 

I got my {$500.00} paycheck ( as a direct deposit ) on XX/XX/2022 - well under the 90 days promo deadline. 
According to the promo terms, the bonus had to be credited to the account within 90 days of all requirements being met. 
It didnt happen - Ive never received that bonus. 

When I contacted the bank representative ( via secure messages ) they replied that Im not eligible for that promo as my state ( New Jersey ) was out of the promo area. 

My concern is that the promo area was not defined anywhere- neither on the promo page nor during the application. I stored corresponding screenshots and can share them as proof. 

Moreover, the fact that the page asked me to fill my zip code at the beginning with Enter your ZIP Code so we can connect you with special offers text and then successfully proceed to the application with A cash bonus promotion is available in your area tells me that my zip was validated and approved by the system for the promo. 

And one more thing - right now, if you open that promo page ( there is a {$200.00} promo available now ) and enter my zip ( XXXX ) it returns Sorry, but this offer isnt available in your area - clear enough. 
If my zip was not eligible for the promo I wish I received the same message. But it was the fully opposite experience. 

I consider the situation above as false advertising and insist that I fulfilled all promo requirements and never received information that my zip is out of the promo area. Therefore I believe the bank has to fulfill the agreement and credit me that {$250.00} bonus.

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 2017-03-24
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit score and I have a debt on my report of XXXX for common wealth which when I looked it up it is a collections. This does not share anything in common with any of my other debts after reviewing my scores and would like it to be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A debt shows on my report as a recent debt of mine and it is not. XXXX XXXX, XXXX is the collection agency for XXXX XXXX XXXX, KS in the amount of {$6500.00}. 
I have never lived in an apartment in the state of Kansas or ever applied to XXXX either. My previous addresses are all houses, XXXX XXXX XXXX, XXXX, KS ; XXXX XXXX XXXX, XXXX, KS : and currently at XXXX XXXX XXXX, XXXX, KS. Neither have I co-signed for an apartment for any XXXX at any time. 
Please remove this entry from my report as it is not mine. 
I have a son whose name is XXXX XXXX XXXX who has lived in the XXXX area at XXXX time. Many institutions have confused us even though my first name is not XXXX it is simply XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: 1st Franklin Financial Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a loan for {$900.00}. I made 1 payment online. I went to make the 2nd payment and it said my account was closed ( it's not ) and I could not make the payment, nor was I notified I would need to mail the check earlier. I sent a check and sent them an email saying there was no way the check would get there before the due date ( Its due on the 12th and I paid it on the 10th ). Well they reported it to my credit report and and have called me at work over 20 times a day. I sent them an email telling them do not call my work, I still receive calls on both my office and my cell. I am not allowed any personal calls except for an emergency. Today, they had a sheriff drop off a note saying I am late ( which is their fault not letting me know I couldn't pay online ) which is embarrassing. I am being harassed over this payment! Now with the Covid19, I have no idea how long anything will take to be mailed!

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 2016-10-01
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage for my home is with Vanderbilt Mortgage and Finance, INC. XXXX # XXXX. As of XXXX 2015 the law was passed on FHA Loans PMI rate has dropped. Vanderbilt claims they are not aware of the law that was passed and has not ajusted my PMI rate according to the Law. Please Help me to make them aware and adjust my Loan amount and others. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my dept to CSI to XXXX over 3 years ago, even after 3 years of asking them to removing the debt off my record it still on my record. I currently use the service and have been for the last 3 years. I have filed a dispute with the credit report Transunion and it wont get off my credit. While I do n't have the original receipt that the debt was paid in full I have statements for months i use their service. I call and they keep saying that they will take care of it and it should be off my credit in 45 days and nothing gets resolved. I even call XXXX XXXX to see if they can do anything and they give me false numbers to call. This has been a big mess that I cant seem to resolve on my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the second time Freedom Mortgage has misreported information to the credit agencies. We completed our refinance with Freedom mortgage and closed the previous loan. Freedom mortgage has reported a 30 day late notice on a loan that closed and paid in XXXX of 2016 ( XXXX ). On XXXX XXXX, 2016 my wife and I both received 30 day late notices on this " closed '' loan. Freedom mortgage has also incorrectly reported our loan balance to the credit agencies. They ( Freedom Mortgage ) have added the paid interest to the loan instead of reporting the payments made. Both these items have a negative impact to our credit reports.

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 2022-03-25
Company: Experian Information Solutions Inc.
State: PA
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, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, 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 an 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 2022-07-20
Company: EOS Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted to receive debt validation from the company in dispute and they have ignored my attempts. My attorney sent multiple letters and they failed to validate the debt as well as the fact that they have re aged this debt on ny account multiple times. Letters were sent from last year up until this year to no avail. The company has yet again failed to substantiate this debt and also have negatively impacted my credit in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo has frozen my account with no explanation or course of recovery. They've been holding {$2700.00} with no explanation as to why this is happening or how I can unfreeze my account. 

I've tried to get in touch with the company through various avenues : A ) I called on XX/XX/XXXX, their phone support did not have any live agents that could help. 
B ) I emailed on XX/XX/XXXX, XXXX, XXXX, XXXX. 
C ) I attempted to contact through their app and via XXXX  on the XX/XX/XXXX. 
D ) Notified them that I am filing a complaint via XXXX  XX/XX/XXXX. 

I've only received automated responses with help articles ( that don't help ), an out of office response, and an email asking me to wait 6-7 business for more information. No follow ups or responses since.

It's ridiculous that they can hold thousands of dollars with no reason or communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Due to unforeseen circumstances, I have fallen behind on my mortgagepayments. I have been trying to get a loan modification with my lender ( Select Portfolio Services ). Unfortunately, It 's almost impossible to do so. 
I have submitted all required documents to them for a review. However, every time I call for a status, someone will tell me they 're missing several dodocuments and can not review my file, so I email and fax them again and aagain. They continue to call me and threatened me that my investor hasbegun the foreclosure process abd I will lose my house of 15 yrs if I don'tcooperate with them and submit the documents. I have submitted the samedocuments over XXXX times just in last month. 
I respectfully ask your agencies help with my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have wrote countless emails and talked to Customer Service about getting my Escrow check for 2014. They have never sent it and the town of XXXX is still never received and now FREEDOM MORTGAGE STILL HAS NOT SENT CHECK OR CALLED ME BACK. I have never had to deal with anything like this in my life. Please Help!

Company response to consumer: Closed with explanation