BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: ALLY FINANCIAL INC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
First off, let me say that Ally has been very accommodating in not taking any action against me while I've tried to work things out with them. 

The reason for the complaint is because Ally is not yet participating in the HAF program in Hawaii, and while it is voluntary on their part, there is no downside to their participation. The Treasury Departments Homeowner 's section regarding the HAF program provided a link to complain if you've been awarded a HAF Grant but your lender is not participating. 

Many months ago I was approved for a HAF grant in Hawaii, but as noted Ally ( and their servicer Ally/XXXX ) are still not participating in the HAF program in Hawaii. Fortunately, they have not turned down participating, but it would help me immensely personally, and I am sure it would help many others if they could make the decision to now participate. 

In speaking with their ( very friendly ) customer service representatives, I can tell you that there has been confusion on how the HAF program works in Hawaii. I've wondered if this may be part of the reason for the delay. 

They've told me things like the grant would have to be repaid ( which is not the case in Hawaii ), that Hawaii would put a lien on my property ( again, not the case ) and they said that I could not be in a Loss Mitigation process and also utilize a HAF grant ( which, from my reading of the HAF term sheet for Hawaii is the opposite of how the program is supposed to work ). 

At this point, I went through a Loss Mitigation process with Ally and was ultimately turned down ( after months and months of submitting and resubmitting the same documentation ). 

I am looking to refinance my home through a private lender. While not ideal, especially under the current interest rates, it may be my best option for addressing my arrears. If Ally were to participate in the HAF program now, I could reduce my principal and make the amount I borrow less costly to me. 

Since HAF is a voluntary process, issuing a complaint seems out of place, but I am following the process offered and perhaps this is all just due to a mistake of not understanding how the program works in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: MI
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:
Checking my report today and I noticed some inquiries that Im not aware of XXXX  Card XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XX/XX/2020 XXXX  Anything reporting inaccurate on my report that has nothing to back it up should be removed immediately because of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I spoke with a representative before I filed to re-certify my income driven repayment plan with fedloans.gov. I explained to her my situation ... that although I was making more money than the previous year, my financial obligations had also changed. My living situation had drastically changed. I am a single parent with a XXXX year old who is starting school in XX/XX/2019, which I have to pay $ XXXX  monthly for ( not by choice ) and I also now live on my own paying a $ XXXX  monthly mortgage. I was living with my parents before and was not paying rent. I moved out of their house ... now XXXX years old. I could not afford an increase in monthly student loan payments. I was paying about $ XXXX monthly, in student loans at the time. I was seeking some form of financial assistance from the Fedloan.gov student loan representative. She told me there was nothing she could do because I did not have any forebearances left and I made too much money to qualify for a hardship deferment. I in fact had a serious hardship, and was considering defaulting on my loan because of it! This interaction with this representative made me realize why people just give up paying their student loans, and let them go into default. Its bad enough that a loan that started with XXXX/XXXX at {$80000.00} turned into {$190000.00} from just the unfair interest that accrued over a few years ... but when your trying to just keep your payments the same and reasonable so that you can support your family, and you are not given any options ... it makes student loan companies look that much more shameful and abusive. As of XX/XX/2019, Im paying {$620.00} a month towards this horrendous student loan that keeps increasing, although I graduated from college over a decade ago and it has ruined my credit and forced me to consider it not being worth trying to pay anymore, so that I can provide for my daughter and I, without the grotesque hardship it is creating for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
In about XXXX of XXXX I was added as an authorized user on a credit card with my dad to help me build credit. However, a few months later, my dad and I went to our local Suntrust Bank branch to have me taken off as an authorized user. My dads credit is not the best and I wanted to avoid having a negative credit history. At the branch we signed a paper and the bank teller, XXXX XXXX, took my credit card and assured us I was no longer listed on the credit card. In XXXX of XXXX I began the process of buying a home. To my surprise, when my credit score was pulled, I was still listed as an authorized user on the same credit card and it was negatively impacting my credit score. So much so that I no longer qualified to buy a home. In XX/XX/XXXX, my dad and I went to the same branch to inquire the issue and have me taken off the card for good. The only thing the bank told us was that they would send me a letter in the mail stating I was taken off the credit card ; they said they were unable to provide me with any statement electronically. The letter was supposed to arrive within 14 business days and it never arrived. I called Suntrust and had another letter sent to me. However, that letter has also never arrived. I called Suntrust for a third time in early XXXX and was told they could no longer give me any information on that card since I was not an authorized user. Finally, my dad called and he was given the number of a contact in Executive services, XXXX XXXX, at Suntrust who was supposed to help get us that letter, but I have been unable to reach her. On XX/XX/XXXX my dad received a letter to his address, which is different than mine, addressed to me from Ms. XXXX asking me to give her a call. My dad and I have called numerous times and left numerous messages to her direct line at XXXX since XXXX and we have had zero luck. It is now XX/XX/XXXX and I am under contract to buy a home, however, we can not close unless I am able to provide a written statement that I am no longer on that credit card. I will lose this home if I am not able to provide a letter I should have received no later than XX/XX/XXXX. The housing market is extremely competitive and it is a miracle I was able to get my offer accepted at this point. Please help me get the letter so I can close on this home.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have attached a document with all the account information, along with DL, Social, and bill for verification

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 2018-04-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2017 my loan was over 5 years old and my balance was under the 20 % of property value. I requested to have my mortgage insurance removed, at which time Wells Fargo stated that I need to refinance at a higher rate to remove the insurance. 

Loan number : XXXX Mortgage insurance amount is {$360.00}. 

I would like to have Wells Fargo removed mortgage insurance, and keep my current loan rate. 

I would like to have them fined maximum rate per day until resolved. 

Thank for your time in this matter. 

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 2023-05-14
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX - Fraudulent activity on Truist account. {$13000.00} withdrawn to pay unknown credit card bill, not initiated by us. In " pending '' status XXXX - Called Truist. Was told I could not talk to fraud until the money was completely gone ( past pending status ) and no guarantees it would be returned. Asked if we could put a stop payment. Was told that would work to stop payment or ensure refund, but they'd have to charge me {$35.00}. Told them that was the less ridiculous or 2 ridiculous options and agreed. Freeze put on account. Discussed that my Truist mortgage payment would be pulled that night and asked what would happen. Told there would be no issues and I had a 15 grace period to pay. 

XXXX - Fraudulent {$13000.00} returned XXXX - {$25.00} fee charged on mortgage XXXX - Went to branch to open new checking account and unlock old checking account to transfer funds to new. Discussed risk of additional fraudulent activity but necessary to transfer funds and wait for direct deposit to transfer to new account. Discussed strategy of keeping at {$0.00}. {$35.00} stop payment fee waived. 

XXXX - Called branch. {$25.00} mortgage fee waived. All money transferred to new checking account per discussion, except {$71.00} to pay a bill hitting XXXX. One unexpected payment hit, resulting in an overdraft. Charged 2 overdraft fees of {$36.00}. ( One was refunded on XX/XX/XXXX ) XXXX - Expected payment hit, along with another unexpected payment. 2 overdraft fees of {$36.00} charged XXXX - XX/XX/XXXX - Multiple conversations with branch about refunding the still outstanding {$100.00} in overdraft fees seeing as they new this was caused by fraudulent activity and we'd transferred funds to another Truist account. Truist declined to waive and send they'd send us to collections if we didn't pay. 

XX/XX/XXXX - Final 2 payroll checks hit the old checking account, effectively paying Truist the {$100.00} against our wishes. 

XX/XX/XXXX - All money transferred to new checking account. Old account again frozen ( could not close b/c that department was closed ). Was assured no additional fees will be charged on the old checking 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 2021-06-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow analysis is erroneous with basic math errors. Called the mortgage servicer, asked for recalculation, emailed inside their website in secure email system, and received no coherent response regarding resolving or fixing this problem issue. Payment is proposed to go up about {$900.00} per month on a fixed rate loan. We agree the payment should go up due to escrow increasing from property tax, but their math calculations do not show correct projected escrow balances. Discussed with them, and the only response was a second PDF of same escrow analysis without corrections. Impossible to discuss directly with any of their escrow analysts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: U.S. BANCORP
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In 2020 of XXXX I contacted US BANK and was placed on a program for covid relief so I would / my companies would not be accruing interest and with a no pay status for X amount of months. I have hundreds of hours on the phone and have made no progress with any of the banks representatives to resolve the situation. They are making it impossible. Before this I had an XXXX credit score and because of the lack of help from the bank its down to XXXX. Same scenario for multiple accounts. 

I am hung up on / disconnected calls from the bank every time. ie ; on the phone for 4-6 hours a day transferred to multiple representatives that I have to re explain the scenario to. They do not and will not do their job, or honor the promise in the programs I was placed into. 

They have all calls recorded and Im being light about saying I have over 300 hours in phone time without the bank resolving anything in the last year.

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 2023-05-14
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Today XX/XX/2023 I received 2 cash app payments from a family member which were sent to a account that wasn't mine. 
XX/XX/23 between XXXX XXXX and XXXX XXXX in the amounts of {$20.00} and {$360.00}, I filed a dispute quickly but cash app refuses to refund money that was cash out to an account that was closed. I just want the money refunded because it was obviously stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX of XXXX I visited XXXX XXXX of XXXX to discuss the terms of a vehicle I was currently leasing from them. I ended up being pressured into purchasing another vehicle ( XXXX XXXX XXXX ). When I drove away in the car, I was under the impression that my new loan would be transferred to the finance company I was working with prior to XXXX, XXXX XXXX. Approximately a week after my purchase I received a letter from XXXX XXXX stating that they will not be financing my new vehicle. Soon after I received a letter from Santander Consumer USA informing me they would be the company financing my new car. It was at this time I learned the interest rates were outrageous. My monthly payment is {$490.00}, yet only {$56.00} of that payment goes toward the purchase of my vehicle. That means I am paying {$440.00} per month in interest alone. I would have never knowingly agreed to those terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent {$100.00} to this person and they were suppose to add to that amt and redeposit in my PayPal account within 3 to 5 minutes. It never happened. PayPal says as the money was sent correctly, the case is closed. But I have been scammed. They should have made sure I got the money promised before they closed the case. I have conntacted PayPl but all I get is the money was sent to XXXX correctly. But where is my money I was to receive plus the {$100.00} I sent. I also am still stuck with the XXXX  XXXX, {$1700.00}, that I turned in a complaoint about back in XXXX. Am I a bad person for not letting this continue? This is the person I sent the money to. 
XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Your recipient should have the money by XX/XX/2024. 
Repeat this transaction Paid with PayPal balance {$100.00} XXXX Unlimited Cash Rewards XXXX  ( XXXX  Credit Card XXXX ) You'll see " PAYPAL XXXX '' on your card statement. 
{$4.00} Exchange rate {$100.00} USD = XXXX XXXX XXXX XXXX USD = {$3.00} XXXX  Transaction ID 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 2024-01-04
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have both a personal checking and savings account with Wells Fargo. I opened my savings account to transfer funds into it each Friday to have the funds available to pay miscellaneous tax bills ( vehicle tax, municipal sewer, etc. ). 

The savings account is subject to a monthly {$5.00} service fee, subject to a few conditions which cause the fee to be waived. XXXX of those conditions- as outlined to me when I opened the account- is to have {$25.00} in monthly transfers. My weekly transfers were approximately {$16.00} each, causing me to easily hit the {$25.00} threshold for the first few months the account existed. 

Beginning in XXXX of XXXX, my account began to be hit with monthly {$5.00} service fees. When I visited a Wells Fargo branch in XXXX to inquire as to the fees, the banker I spoke with expressed that she was under the impression that my account should not be accruing fees due to the additive total of the transfers. She called what I am assuming is Wells Fargo 's internal helpline, and was informed that the {$25.00} was no longer additive for the month, but that there now had to be at least XXXX transfer during a month that was greater than or equal to {$25.00}. 

The banker was very apologetic to me, stating that she would have still been under the impression that the fees were still calculated the way they had been previously had I not brought it to her attention. She kindly refunded the XXXX  months of fees that I had been assessed ( {$15.00} in total ) and offered to file a complaint on my behalf. 

I have yet to hear from Wells Fargo concerning this matter. The funds were refunded to my account and made available sometime between XX/XX/XXXX and XXXX ( the funds were pending for a while over the XXXX holiday and I was traveling so I was not able to check regularly ).

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 2023-05-14
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I sold my home in XXXX in XXXX shortly after having used a Covid program to avoid foreclosure. During my closing process the loan servicer changed from the one I had made arrangements with for Covid relief to another called Mr. Cooper. At the time of closing I placed more than the value of the subordinate loan into escrow to wait for me. Cooper to file the claim. It has been nearly a year since closing and they have made no indications that they are anywhere near being able to accept my repayment of the Covid relief loan and complete my transaction with the closing attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: SC
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 is refusing to Provide documents I have requested to Validate the alleged debt that is reporting on my consumer report. This is causing my financial hardship and needs to be resolved immediately!! 
I Contacted the creditor requesting Validation of the debt and asked for the original creditor. Received multiple responses that they did not investigate the request and did not provide the requested information due to the account number not being listed.. Requested the same debt be validated again this time including the account number that they reported on my credit report and once again received a response that they did not investigate the claim nor provide the requested documents to validate the debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, Current placed my account " under review '' without contacting me or providing any explanation. I contacted their support, who said they would escalate the issue. I still received no response. I contacted support again, they said they'd escalate it again, and once again nothing has happened. I've received no explanation for my account being rendered inaccessible, and no recourse by which to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: ALLY FINANCIAL INC.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by ALLY FINANCIAL INC. d/b/a ALLY Bank. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by ALLY FINANCIAL INC. d/b/a ALLY Bank on XX/XX/2021 via mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by ALLY FINANCIAL INC. d/b/a ALLY Bank adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. ALLY FINANCIAL INC. d/b/a ALLY Bank is now civilly liable to pay me for the damages.

REMEDY Pay me {$5000.00} for damages.

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