BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Contacted Suntrust now Truist regarding the covid forbearance program, however they said they were not following the recommended implementation for XXXX XXXX XXXX, and that instead veterans must request 90 day segnents rather than the six month initial period and 6 month additional period set forth by the XXXX XXXX XXXX XXXX XXXX XXXX. 

So, I naturally contacted them during the following 90 day segments. 

I was told there would be a paperwork to sign at the end of the program related to modifying the loan. 
However Suntrust now Truist has not sent that paperwork. 
And their automated system is not allowing me to make a payment on the loan. 
I have tried relaying these concerns to Suntrust now Truist. 
But the representatives say it is too complicated for them and they need to wait for an answer from their litigation team before sending me those forms. 
1 ) Does this mean that instead of following the governments guidelines, that they are preparing to ambush me with some sort of litigation? 
2 ) Can they use a less scary name for their " litigation team. "? 
3 ) Why is their system rejecting my payments? 
4 ) Why does Suntrust now Truist not to follow the department of veterans affairs own guidelines for the covid relief program 's time periods? 

Additionally, Suntrust now Truist had refused to recognize the local tax authorities ' crrtification of my property tax exemption, and overpaid my property taxes from the escrow account. 

This exemption has since been recognized by Suntrust now Truist. 

This overpayment occured on XX/XX/2021. 
The overpayment was returned and received by Suntrust now Truist on XX/XX/2021. 
With the escrow being funded from the loan, this seems to mean that my loan balance increased for a period of 16 days, due to Suntrust now Truist drawing funds out for escrow. 
Additionally for several months, while Suntrust now Truist refused to recognize the property tax exemption and paperwork forwarded to them by the City 's tax office, it seems funds were taken out in order to fund future calculated tax bills. 

This seems to have had the effect of un-needingly enlarging my total loan balance and accrued interest at Suntrust now Truist 5.So my escrow account amount, and interest amounts are in need of review and correction.

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 2023-07-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX my insurance company XXXX XXXX submitted my declaration page showing my homeowners hazard insurance was paid for the year by myself. I requested a reanalysis on my escrow to deduct the monthly escrow for my homeowners insurance. On XXXX XXXX Rushmore loan management performed said reanalysis still including the homeowners insurance in the escrow analysis. 

I contacted Rushmore again and was then told I had to request a cancellation of the escrow for the home insurance which I did. I am now being told by Rushmore they can not cancel the escrow for the insurance part due to their policy requiring the loan to be seasoned for 24 months. 

This became obvious to me that Rushmore is not acting in good faith with their consumers. Rushmore is demanding I pay for 12 months of insurance that has already been paid. I have initiated several phone calls with Rushmore supervisor XXXX to no avail. I am not receiving call backs nor updates via email or the message board on my account. 

I am asking once again that Rushmore deduct the insurance part of my escrow to reflect the correct escrow of only showing escrow for taxes for 12 months currently my escrow is well in the positive not negative so legally there is no reason for Rushmore to be trying to bully consumers to pay for two homeowners policy in one year. 

No good faith effort is being made on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: NE
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:
I have an old credit card account listed on Experian as " XXXX XXXX XXXX XXXX XXXX listed as " Open '' which is incorrect. The account was closed three to four months ago and I let Experian know that it is being incorrectly reported as open when in fact it has been closed for a long time. This account was never reported as late or anything like that. 

Experian verified within 24 hours that the account is indeed open, despite me sending a copy of a letter from the creditor, dated three months back, that the account is closed. I am not sure why they think the creditor letter 's lack credibility. I am not sure if they bothered to even read the letter I provided them from the creditor. It clearly states the account was closed. It was at my direct request. 

I submitted a second dispute with much of this information contained herein and called Experian dispute department to ask a few questions to see if I can get this resolved correctly this time. 

The Experian representative claims Experian contacted the original creditor who verified the account was open. I do not believe this is truthful. He then stated I filed the wrong kind dispute the first time. The dispute was under category " account closed '' He said the second dispute was the right category. It's the same category both times. I question whether he even looked at the first dispute. 

He became argumentative very quickly after I pointed out it's essentially the exact same dispute a second time. It took several requests to have him let me speak with a supervisor. After holding for a while, the representative stated he can not wait more than five minutes and so I need to wait for a call back to speak with a supervisor. 

Given they can not be bothered with reading a letter in PDF format from the original credit, I doubt it even matters IF a supervisor even calls back. 

Experian is blatantly violating the FCRA by not investigating a dispute that has obvious merit.

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 2023-03-31
Company: EQUIFAX, INC.
State: FL
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX, Equifax and XXXX has not complied with the Fair Credit Reporting Act, XXXX5U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiries that are ( still ) reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX # XXXX My credit report is showing it was purchased by another lender by this account still showing in my credit report, I contacted the lender and they do not have any information about the account : Account Information * Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX * Phone ( XXXX ) XXXX * Date Opened XX/XX/XXXX * Date Updated XX/XX/XXXX * Payment Received {$0.00} * Last Payment Made XX/XX/XXXX * High Balance {$540.00} * Credit Limit {$500.00} * Past Due {$540.00} * Pay Status >Charge-off< * Terms Paid Monthly * Date Closed XX/XX/XXXX * Estimated month and year this item will be removed XX/XX/XXXX * Remarks Account information disputed by consumer ( FCRA ) ; UNPAID BALANCE CHARGED OFF

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 2015-07-06
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On many occasions Nationstar Mortgage has been unprofessional and disrespectful towards me. I was XXXX military and XXXX ( XX/XX/XXXX ) when they bought my loan from XXXX XXXX XXXX. I had never had any issues, was never late, my monthly payment never changed. When Nationstar took over they had been cashing my monthly payments and applying the funds to another person account that only had the same last name! On my credit report, due to their incompetence, I had negative hits for 6 months showing I was delinquent. I came home from XXXX to find my mail box full of foreclosure threats. To this day ( XX/XX/XXXX ) I still have the negative remarks because they have refused to remove them saying I should have been following up on my account even though I was in a XXXX! Once being home and making my payments to them my amount started changing and they would n't apply the money I was sending because it was short. My monthly payment increased by almost XXXX and no one could tell me why. They would never contact me telling me my funds were short and I would n't find out until the next month 's statement. I received negative hits on my credit again and again they refused to remove them. I just sold the house and the title company sent them the amount they said we owed plus 3 days of additional interest funds just to be safe. Days later Nationstar called XXXX XXXX XXXX left a voice mail stating that the funds were short XXXX. When myself and XXXX from XXXX called them they said the payoff that was sent was more than enough to cover the payoff in their system and they were unsure of the XXXX. I refused to pay the amount until I was notified of a breakdown describing what the extra charges are for. Nationstar has refused to tell me what the extra charges are. They refuse to let us talk to a supervisor. They refuse to put in writing that I wo n't be charged the extra daily interest fees that are accumulating while they 'straighten out this matter '. It is now 10 days past our closing date. Nationstar refused to apply the fund towards my account until they figure out the extra bogus amount and have now returned the payoff funds to XXXX XXXX XXXX. The following email is attached from the President of XXXX XXXX XXXX validating my complaint, an email from XXXX XXXX at XXXX XXXX XXXX showing the amounts and Nationstar 's additional fees being requested, and the payoff sent by Nationstar. All backing my complaints with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-10-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my TRUIST BANK account to fraudulent investment firm ( 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 2021-06-23
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchants credit guide continues to send me mail and report I owe to the credit bureau and that XXXX told them to do so. This is incorrect I contacted XXXX myself and have proof mailed in to each credit bureau that I have XXXX balance and this was taken care of. I have a XXXX  XXXX I was homeless and XXXX held under a XXXX XXXX. This was never even billed to me or even had a home to mail the bill too to even be aware of it. I lived in shelters, on the street and ended uo attached with XXXX  and XXXX XXXX and XXXX and put in a XXXX XXXX  for almost another year. XXXX told me Through maio  and over the phone to disregard bill. I have the proof and paperwork and have mailed it to everyone. Including the credit agency still reporting i owe. Its called a gift or care and also its against my rights to charge me while holding me against my will. I have proof of XXXX, homelessness, etc. Gift of care was what XXXX referred to as balance owed being {$0.00}. I sent the letter from XXXX to MCG and they still are saying I owe a balance which I do not. I also qualified for XXXX at the time and that was never run through nor was I able to make any mental or financial decisions due to my XXXX  XXXX which I still suffer from and XXXX. Please remove from credit I have contacted them multiple times and they refuse to resolve the issue when XXXX already has. Account balance is {$0.00}. Completely covered. Admission XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and was sent out to additional XXXX hospitals immediately from there. I received no info about any of this until I was stabilized enough and checked my credit to see this and was appealed. The way they have treated me after multiple calls is not okay. Please help. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: GA
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:
To make a long story short I finally decided to start the process of buying a house and not rent because its just costing to much on rent. The bank denied me and I went to look at my credit to see why or if its something small i can handle and I saw alot of things on my credit that is not mine. I filed this with the FTC and I also call the police here in XXXX. I also saw a banktuptcy and I dont know where that even came from. I talked to my friend who is an attorney and called the bankruptcy court and the clerk said I did not have a bankruptcy filed with my social security number and she told me to call another place XXXX XXXX and they said the exact same thing. There are also some student loans and I barely finished highs school so I know I didnt go to college. Here are the accounts im talking about XXXX XXXX, XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX and the inquries is XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Can someone help me Im doing this by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a Wells Fargo alert on XX/XX/2022 at XXXX Eastern Time stating : my savings account ( # XXXX ) balance is NEGATIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " - {$4600.00} ''. 

This alert was completely false. As determined, on both XX/XX/2022 when logging in the balance was never Negative ( Always positive ), and on XX/XX/2022 the balance was never negative. It was always positive.

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 2020-06-18
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax ; XXXX and XXXX  should not be reporting a collection/chargeoff in the amount of {$3600.00} on the XXXX XXXX XXXX - partial account number XXXX ; and {$420.00} partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts were incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctors to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. ) I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Verbally advised they were in violation for the XXXX XXXX Act. Every single BANK I SPEAK WITH AND QUOTE THIS LAW TOO. DOES NOT CONFORM. I have been hung up on, told they do not have ID NUMBERS AND REFUSE TO COMPLY. They will not honor that I have a federal right to speak to anyone in that company per federal law. And will not comply. The will follow FCRA LAW. Lengthy hold times, inaccurate information and numerous transfer because they abuse a XXXX American that worked there and has verified they still study laws every year. This is pure and utter RETAILIATION. Which is also against the law. Or do you enforce anything? Thank you for holding this bank accountable for their lies and manipulation from someone who worked there and verified Inahve been lied to on multiple calls on XX/XX/2022. I have an open fraud case also. Went to the branch office, as the frauXXXX department would not answer the phone aft a long wait. They refused to help even though I have a fraud charge and abuse of elderly. The looked at me like I have the PLAGUE WHEN I quoted them the law they study every year. I am totally disgusted with AMERICA. You sit there and make hug salaries. And state this and that and call yourselves honorable. Actions speak louder than words. Is there any action left or only WORDS THAT ACCOMPLISH NOTHING. Please do some freaking due diligence and see the hypocrisy. Do it, dont play patty cake and ask them. INVESTIGATE AND PROSCUTE. Or there is no law. Only what you do and dont get caught. Thank you.

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 2022-08-14
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Certified Mail # : XXXX  XXXX Discover had discriminated against me. According to the Federal Equal Credit Opportunity Act I am exercising in good faith my right to extend credit. Discover has provided the reasons for discrimination against me which includes my credit score. Based on Discover 's policies and the Consumer Reporting Agency my credit score is insufficient to deny my credit approval. Im extending my credit to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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