BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-24
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded in on XX/XX/XXXX a XXXX XXXX 2018 to XXXX XXXX in XXXX, CT. They fully paid the remaining balance and on XX/XX/XXXX I got the monthly payment ( {$840.00} ) debited from my bank account as I had automated payments set up since I opened the account. 
On XX/XX/XXXX I called the financial institution that had my loan and they acknowledged that they had debited after the account had been paid in full and supposedly issued a check for the total amount and sent it via mail. On XX/XX/XXXX I reached out again since I still had not received the check. I was told they would put a stop payment on the check reissue a new one and to give it until XX/XX/XXXX to receive it. On XX/XX/XXXX I called again and talked to XXXX who again said they would put a stop payment on the previous check and reissue a new one. It's the third check they say they sent. I confirmed the address with XXXX. It's now the XXXX and I haven't received any of the three checks they have supposedly sent.

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 2024-02-02
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX a law firm by the name of XXXX XXXX XXXX XXXX contacted regarding a old closed account from US Bank with dates XXXX of a XXXX debt and stated they work for XXXX XXXX who prepares the legal documents for US Bank . I have not had a account opened with those dates from US Bank and the account was closed in XXXX. This company is collecting from a old debt

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 2024-02-02
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I filed a petition with the court for XXXX XXXX XXXX in XXXX of XXXX. All of my creditors were notified, including Regional Acceptance Corporation that held the XXXX for a truck that i purchased. My bankruptcy was paid out and XXXX successfully in XXXX of XXXX. Regional Acceptance Corporation was notified electronically. Today, i received a XXXX for the car that I surrendered in bankruptcy to them and approved by the court. They reported the difference as income to the IRS and state of Tennessee. This is a factual lie. This was XXXX via XXXX XXXX XXXX, and I demand a corrected XXXX be issued immediately to the IRS, state of Tennessee and myself.

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 2024-01-31
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian does not have my full credit history despite XXXX and XXXX having it and the bank ( XXXX ) confirming that they have sent the information to Experian. I have a line of credit thats been open for 4 years and it does not show up on my credit report with Experian which has severely impacted my credit score ( not scorable with Experian resulting in denied credit applications ). Multiple attempts have been made to resolve the issue. First called and they opened an investigation XX/XX/23. Was never contacted with results so I called on XX/XX/23 and they had no idea what I was talking about and I gave them the case number. A second investigation was opened on this date and I was given a case number and I have never gotten an update. I know nothing has changed and they havent fixed the issue because my credit report is still missing this line of 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 2024-01-29
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
Was looking for an inexpensive car and had to get one quickly to be able to leave for the other side of Washington asap. Well, because I only had {$500.00} to put down on one they said I would be limited in my options. Asked carhop about a specific one, arranged to come see it, hoping I could just get it and drive it off the lot if it was decent enough. When I got there they sprung it on me that, oh no that one I wanted was gone, this other one over here is the only one I could still do with my XXXX. I was in desperate need of a car, so I agreed. I put XXXX down and payments ended up being like XXXX every 2 weeks ( so roughly XXXX a month ). I kept paying until I lost my job and then i couldnt afford the payments anymore. I went to tade it in ( at a diffferent place because we had moved at this point ) for something that is smaller and that is more gas efficient, but every person i talked to said i was being ripped off by carhop. The car was worth around XXXX ( they said probably even less ) and based on our loan they were charging us over XXXX the price of the car. We still owe over XXXX on it! Most of them said to just let it get repossessed, one even said he would help us file complaints because he thought the loan was " predatory, disgusting, and repugnant '' One of the people from CarHop has been talking to us and saying she will help us and offering to do a payment plan, which we were still in the midst of talking about. Suddenly we hear the tow truck outside. So basically seems like she was just buying herself time to get the repossession approval or something. If not that, then WHY have it picked up in the MIDST of negotiations? At this point I just want the loan taken off my account or marked as closed and paid up. Because this is absolutely ridiculous and a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was scammed by people impersonating ICE and police and I ended up sending 3 cashier 's checks of {$140000.00} to the scammer on XX/XX/XXXX from my bank Bank of America. I filed a claim with BoA on XX/XX/XXXX, claim number XXXX, before the cashier 's checks were deposited on XX/XX/XXXX. Later that day, the checks were deposited. {$53000.00} and {$49000.00} was deposited to two separate accounts at XXXX, {$40000.00} was deposited to XXXX XXXX. XXXX caught the fraud alert and froze the funds XXXX XX/XX/XXXX, {$51000.00} was returned to me from XXXX account where {$53000.00} was deposited. XXXX has stated they hasn't received the {$49000.00} account hold harmless letter. On XX/XX/XXXX, BoA has sent the hold harmless letter to XXXX again regarding the {$49000.00} account. On XX/XX/XXXX, I followed up with XXXX and was told the {$49000.00} was already returned to BoA on XX/XX/XXXX, but BoA is holding this {$49000.00} and hasn't returned to my account yet.

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 2024-01-24
Company: TRUIST FINANCIAL CORPORATION
State: AE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have not had a single positive experience working with Truist. I am XXXX XXXX XXXX, serving in XXXX. I have no possible way to access my account. When I moved here, my loan was with SunTrust. It switched to Truist with no notice or explanation. I lost all access and ability to even make payments! They would not do anything for me, and the only way to try was to place an hour long international call on my cell phone. They refuse to speak to me any other way. Each time I call, they talk in circles, and say that I need to try and call back. Each time they say they will leave a note on my account, but I call again and start from square one. Their incompetence is so outrageous it feels like it is malicious. 
I now am trying to sell my vehicle so I can be free from them. They can only send a payoff letter via fax, and not to an international number. So there is the first problem. Second, the XXXX government requires a letter from the bank giving permission to sell. I have spoken to them twice, and I am on the phone for hours with no answer. I'm stuck over here in XXXX, and they know I have no options. Yet they refuse to find any solutions to the problems that they create.

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 2024-02-06
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
I have returned my item from XXXX XXXX and was still charged. I have struggled to pay an item that was returned. Ive reached out and they did not assist me properly XXXX XXXX XXXX order XXXX I was told I need to dispute with actual merchant

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 2024-02-02
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
RoundPoint Mortgage Servicing received two payments in XXXX but only credited one. Claim we are not paying on time, charging unwarranted late fees and damaging our credit. We have provided our bank statements four times. The bank statements unequivocally show that they took our money but did not credit our 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 2024-02-01
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, my Name is XXXX XXXX. I bank with Wells Fargo on the XXXX of XXXX someone stolen my debit card & stolen {$1100.00}. From my bank account. I reported to my bank on the XXXX due to pending transactions & the weekend that department is not open. So I called Monday. Thursday come the outcome is no error. I dont know how its no error when the name & addresses dont match mines. Doesnt make sense. One of the transactions is a part for a car? I dont even have a car. So thats how I know this investigation is a lie & they really didnt do their job.

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 2024-01-24
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
I am buying a home via a loan assumption of a FHA XXXX loan in XXXX Nebraska. I paid an earnest deposit of {$5000.00} and a {$900.00} assumption fee along with a credit check fee. The contract/purchase agreement was signed on XX/XX/23 and the closing date of XX/XX/23 was set. US Bank is in control of the loan. They have been provided with all necessary information within 48 hours of request. Some documentation has been provided repeatedly as it's viable time frame had expired because of the lengthy time this has taken. I have repeatedly inquired as to why this is taking so long and have been told that it might be better to obtain conventional financing. I believe that US Bank simply wants this low interest loan to " go away '' and this is a tactic to get me to give up. The current hold up is getting my tax transcripts from XXXX. I was told that it may take 5-6 weeks. Tomorrow it will be 7 weeks. I have sent them copies of my tax returns and even copies of the transcripts, but these have been deemed unacceptable. 
In addition to the inconvenience this has caused me, the seller has moved and has made double payments. She has since stopped paying and now there is potential for the house to go into for closure. Anything that can be done to help this situation is greatly appreciated.

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 2024-01-23
Company: WELLS FARGO & COMPANY
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
This XXXX  XXXX or XXXX when my homeowners insurance was taken out and extra XXXX plus dollars came off my balance. 

I get a new statement saying my escrow is XXXX short so my payment is going up well if I am paying XXXX a year in escrow and my insurance is XXXX and my taxes are not XXXX how am I short XXXX??? 
I'm afraid I can't trust anyone at wells Fargo. 
When I was going through hard times from an accident they wouldn't refinance my loan and add three years they wanted to foreclose so all my money from my accident went into paying my loan back to save my house. That was XXXX? 
Would love someone to look over my loan that's not from Wells Fargo as I have seemed to only pay off a little over XXXX since 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 2024-01-20
Company: MRS BPO, LLC
State: NJ
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'm getting repeated cell phone calls from MRS BPO , LLC who are a collection agency and refuse to stop harassing me. I owe them nothing and they know this but they continue to harass me with phone calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Bank Regional Acceptance has different contract dates in their database than showing on my orignal agreement. In addition to this after reviewing this contract, my signature is not present in all places required. When visiting the orignal dealership where purchased, the finance team and managers were totally confused and stated that I should contact my attorney. I am requesting that this loan be removed from my credit file as dates and the overall numbers of the contract are conflicting. Regional acceptance is showing XXXX payments remaining and no term in months. Please remove from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I don't recognize many charges from XX/XX/2023 - XX/XX/2023 with total amount of {$12000.00}. 
I filed a dispute with my bank, which is Bank of America, however my dispute was denied.

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 2024-01-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
More mail today requesting bank information, I HAVE SUPPLIED ALL INFORMATION TO EXPERIAN AN I FLATLEY REFUSE TO GIVE THEM ANYTHING AGAIN NEVER NEVER NEVER GIVE THIS CROOKED FRAUDULENT COMPANY ANYTHING ELSE AND GOT MAIL SAYING AGAIN THAT 35 % OF MY CREDIT SCORE IS PAYMENT HISTORY, just imagine my score if EXPERIAN put back the almost 20 months of on time never late payments to XXXX  would be

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19
Company: U.S. BANCORP
State: CA
Product: Credit reporting 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:
Hard Inquiries appeared on my credit report that were not authorized by me. I did not consent for my information to be used for a credit check and have no knowledge of them. I request these hard inquiries be removed and reported back to the credit Bureaus to be removed from my name immediately. 

XXXX XXXX XXXXXXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX ( Auto ) XXXX XXXX ( Bank )

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 2024-02-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
last spring i closed my Truist credit card. i went online to download my XXXX statements to help w my income tax return. My account was not listed -- just a XXXX XXXX savings account. 

I contacted Truist to get electronic access to my XXXX statements : FROM TRUIST XXXX : Account and Credit cards that have been closed will no longer show within the online banking, however I can put in a request to have those mailed to you. I do have to mention there is {$5.00} fee for each statement copy. The cost may also include a {$25.00} per hour research fee for retrieving older statements from storage. Or you can make the request to have them printed at your local branch. Would you like for me to proceed with ordering the statements?

The statements would have become unavailable after the credit card account closed.

HUH? as soon as the account was closed my statements were NO LONGER AVAILABLE? in the SAME tax year??

Im sure that was buried someplace in XXXX point font in my user agreement!! but this is crazy! im not asking for my records from 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 non-monetary relief