BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a mortgage payment on XXXX XXXX, 2015 in the amount of XXXX. I paid on the XXXX primarily because I was in the process of closing on a refinance and the loan officer did not want me to past the XXXX days. On XXXX XXXX, 2015 I was notified that I failed to make my mortgage payment and was now XXXX days past due. I spoke with a supervisor by the name of XXXX and explained that made a payment, but was told that my payment was XXXX short due to an escrow shortage that they applied to my account effective XXXX XXXX. 2015, so even though they cashed my check they did not apply it and would report my account XXXX days late. I explained that there were issues with escrow, that I had requested statements which I had not received but that most important, I was in the final process of refinancing my loan, WITH THEM, and was told both verbal and written that the escrow issues would no longer be an issue with the new loan and I start over. I was literally scheduled to close in XXXX days, only waiting for final payoff. XXXX XXXX took my payment for XXXX and said she would forward request for credit adjustment. Btw I had received only XXXX notice re escrow, called and asked for previous years escrow accounting because mistakes had been made XXXX made XXXX payments for homeowners ) but never received it. Bottom line, there should never be a reason a person is reported XXXX days late on a mortgage payment for a XXXX escrow shortage. Money that sits in an account and in an amount so insignificant. I will rethink refinancing with this lender but in the meantime, I need my escrow account audited and my XXXX day late to be corrected. At a minimum I have not been adequately informed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: Self Financial Inc.
State: MI
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:
Self Lender/ Lead Bank credit card was opened by me, however, card Was stolen in XX/XX/XXXX. After realizing months later that the card was stolen and had a balance I attempted to view the account online with no success. I notified Self Lender of the problem and was issued a new card that also took several months to be received. After receiving the new card, I did pay the balance and notified Self Leander that the missed balance was not from me but from the card being stole. I was told to write a GOOD WILL letter explaining the situation, which I did. This letter was denied and they refused to make the change on my credit report. I reached out to SELF in XXXX and XX/XX/XXXX asking for documentation that I called and reported the card stolen and that a new card was issued to me and I was told that I would receive that from " XXXX '', however, I only received statement that I had an account with SELF. Nothing stating that they had been notified of the card being stolen.SELF refuses to correctly report this account and the fraudulent activity. I never received any documentation that was promised, The account has been closed since XX/XX/XXXX and it is still reporting as a balance on my XXXX report as well as delinquent on XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: PNC Bank N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX2020, my PNC Bank Credit card was stolen. I instantly made out a police report. The police came to my home and gave a police report # XXXX. PNC Bank will not send me the fraudulent transaction from XX/XX/XXXX2020 to current -Last XXXX # XXXX. The officer need that information to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: TX
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:
Between the dates of XX/XX/2022 and XXXX/XXXX/2022, I sent dispute notices to the following Credit Bureau 's ( XXXX XXXX, XXXX, and Equifax ). After 30 days, no response. 

According to your policy ( FCRA & FDCPA ), if no action is made within that period, all disputed item ( s ) must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: TX
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 have submitted disputes to you and did not get a response within 30 days, and you are required by law to do so. Please investigate my disputes, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: CITY NATIONAL BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
This bank treated me horrible when calling to inquire about having an account they said I dont deserve to be their customer awful that I dont make enough money and send me an email with a rude manager from the XXXX XXXX XXXX branch he was rude to me the entire day calls me at XXXX to tell me that I cant have an account with no reason He even told me to go somewhere else I can afford this is unacceptable from a bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Shellpoint Partners, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
1. The lender or lender representative tried to gain access to the home and did go into the fenced backyard without any legal documentation giving them the right to do so. Moreover, they engaged with an individual in the home and shared information about who they were in an intimidating manner, which created a problem with my renter. To try to make ends meet, I have taken in a renter ( business colleague ) in a portion of the home as I dont use the entire home myself. I dont think that they are allowed to gain access to my home or property in that manner. They have created an uncomfortable environment as we dont know when they will return. They also created an unsafe condition by not wearing masks and being too close to my renter who has a new grandchild that was visiting at the time. 
2. During this pandemic, the opportunity to defer payments has been given to FHA backed loan holders, of which I am. This has been formally requested but no response has been given by lender. I also asked for a loan remodification and none was offered. 
3. The lender is trying to circumvent the legal system, by not speaking with my attorney who has been handling this issue and directing themselves to anyone in the home, not even the note holder. As the bank will not seem to work honestly with me directly and I am not sure of my rights in this situation, and with the pandemic, I have contracted legal assistance over a year ago and they are fully aware of my representation. I have paid my attorney to avoid exactly what has occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I just got this number last month. The debt belongs to another individual. I've asked numerous times for them to quit calling. The company 's name is Afni. I spoke to  XXXX at XXXX today and again advised that this person does not have this number please put me on the do not call list. Tried to get me to sign up for debt relief in my name. They call 8-10 times a week trying to collect debt from someone named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i had a phone plan with XXXX XXXX XXXX for one month and they told me the charge will be {$30.00} and when i got my bill it was {$280.00} ...... I called them and was trying to talk to them and nothing helped so if you can please help me I d'ont want this to effect my credit. I pay all my bills on time a I think its not fair that this wrong bill should effect my credit

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 2016-02-03
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am a cosigner for my son. I have a good credit rating so I am making sure the loan is paid. I do n't deny payment is due but the phone calls are out of hand. I will get a call every hour, sometimes no one is there when I answer. They continue calling until XXXX Today, XXXX/XXXX/XXXX, I spoke with a customer service representative at XXXX central time and told her I would pay the amount due on Friday, XXXX at XXXX central. She wanted me to post date the transaction. I told her on XXXX separate occasions I had done that only to have them process the transaction immediately, causing problems with other payments and would not be doing that again. She supposedly made notes to my account stating the arrangements made. Literally XXXX minutes later I received another call from Navient requesting payment. I told the rep I had just made arrangements. There was nothing showing in file. We went through the whole post-date conversation again. I have tried to get assistance on some of the forgiveness programs but since it is private we do n't qualify. We have been paying on this loan since XXXX and have only dropped the balance by {$3000.00}. I would love to find a way to refinance and get away from Navient. I do n't know if they have internal communication errors or if they are just bullies but I am not a satisfied customer. Also, as a cosigner, I get a call when the payment is late but they want the next months payment at that time too. I refuse to pay it before it is due. I hope this is not the general practice of all student loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi - I have contacted XXXX XXXX in XXXX, Nevada multiple times about an identity theft that occurred through their apartment complex. I have sent them a fax, called a number of times and they give me the run around. The managers name is XXXX XXXX and their financial person 's name is XXXX. I spoke to a women named XXXX who seemed helpful and asked me to email my information that I had faxed the week before - which I did. I have yet to hear back from XXXX XXXX. A woman by the name of XXXX XXXX XXXX stole my social security number and used it to get an apartment at this complex. The apartment complex did not do the proper background check or they would have realized that she was a fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Comenity bank is saying my payment is 30 days past due but I didnt receive a past due notice saying that the account was late. I made payment on XX/XX/18 for the outstanding amount which brought the account to a {$0.00} balance on XX/XX/18. They reported the account to XXXX when theyve already received my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
HiI previously lived in XXXX, XXXX and at the time of move to XXXX ( 2008 ), I opened a Bank of America account to make use of their national branches. I opened the account at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I was provided a checkbook obviously with a routing number and account number. I used that routing number since 2008. In XXXX of this year I ran out of checks with my account and requested a new checkbook through Bank of America 's website. Unbeknownst to me ( without any notice ) Bank of America changed my routing number. Around the same time, I filed my taxes with a firm that filed my taxes last year. They used my routing number and account number they had on file. My check with the IRS bounced since the IRS was using the " old '' and now expired routing number. Also, my refund with the State of Virginia was deposited into my account also because of the routing number error. I contacted Bank of America to alert them to this matter but have not yet received a satisfactory response. I subsequently sent a check to the IRS and am in the process of clarifying the error with State of Virginia. I have also updated as many e-check/auto payments as I can remember but I am concerned that checks/electronic payments that I have not yet updated will bounce. Bank of America has not provided me with any set of procedures or accounting for payments that do not get processed as a result of the change of routing number. I am concerned about my credit and not honoring payments as well as not receiving payments, such as the State of Virginia tax return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: TX
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:
Upon reviewing my recent credit report I did not authorize the listed inquiries below please DELETE them from all three credit reporting bureaus due to Inaccurate Reporting I did not authorize any inquiries to be pulled either in writing, verbally or initialed.

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon reviewing my recent credit report I did not authorize the listed inquiries below please DELETE them from all three credit reporting bureaus due to Inaccurate Reporting I did not authorize any inquiries to be pulled either in writing, verbally or initialed. 
Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
I ed learn that in summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. I contacted Transunion and asked regarding this glitch but I was told that is not true, I reviewed my credit report and noticed that the inquiries are back in after being deleted. They added back without giving me legally required written notice 5 days prior to them be re-adding, these inquires are a hardship and my rights were violated by transunion.

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 2022-02-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Synchrony bank is an online bank through which I purchased a laptop computer via another online retailer ( XXXX & XXXX ). Synchrony bank did not mail me ( or email me ) any statements and in XX/XX/XXXX added a whopping {$1000.00} charge to my account when my balance was down to {$740.00}. I called them to pay off the balance without this charge and see if I could get the interest from XXXX and XX/XX/XXXX reimbursed to my account. Synchrony was unwilling to discuss the issue to resolve and offered no alternative to me other than to file a complaint with you. 

Synchrony bank told me that I could log into my account to see the statements but that is incorrect. I can not see the statements as they pop up in the browser in a tiny window that is illegible. To view the statements correctly, I would be required to download the PDF as I can not see the statement online without downloading them. This practice appears to be unlawful. I have downloaded and attached the statements from XX/XX/XXXX and XXXX XX/XX/XXXX. 

See attached pop up statement that is illegible on the computer screen. After downloading this file I need a 3rd party viewer ( XXXX XXXX ) to open the file. I also do not know the full account number as I do not have a card, I only know the last 4 digits of the account that end in 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 2015-06-23
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have had XXXX accounts with Southern Oregon Credit Service for a few years now. The debt collectors have now attempted for the XXXX time to garnish my wages. XXXX accounts have been paid off with them. The XXXX times, I called SOCS to make the delinquent accounts right with them. Each time they have worked with me to fix the problem. This XXXX time was different, I will admit that I did not return their call. however I have never returned their phone calls. I send in my payment of XXXX each month. XXXX is the collector I last talked to who told me that they sent back my XX/XX/2015 Check because my account was expired and that I cannot just send in money and expect them to accept it. I told her this is the arrangement that was made with them. She said they refused the check and sent it back to me. I have yet to receive the check. Today XX/XX/2015 I received the garnishment papers as well as a letter from their attorney that was written on XX/XX/2015 but post marked on XX/XX/2015 The letter states that I have XXXX days to dispute the validity of the account. This leaves me with a week to make any arrangements with them. However When I called to make the necessary arrangements, they refused to help me and told me that the garnishment would stay in place. I need to know what I can do to fight this. I feel that even though I did not make contact they are still contradicting themselves. Their attorney is telling me that I can make payment arrangements but XXXX has refused to help me with anything, as well as refused my monthly checks. I have spoken with my bank institute who has confirmed that my XX/XX/2015 check was in fact cashed and processed.  Is there anything that I can do to fight this Garnishment? This will be processed as of next week. I can use all the help I can get. Legally isn't their something against refusing payments on accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage does n't keep a running total of the amount that I 've paid in to escrow. I could n't locate this information on their website, nor their mortgage statements I 've received. I have paid additional funds toward escrow and I ca n't locate that information. I believe it is a Reg Z requirement to provide detail regarding these amounts.

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