BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
While I was on vacation my mortgage got purchased by Truist Bank. I only became aware when my payment wasn't swept from my account on the normal date. I found a notice in my unopened mail and called Truist Bank to set up new recurring payments. As it was already the XXXX of the month my payment would not make it in time. I was told to skip my XXXX payment and start XX/XX/XXXX. In XXXX I noticed they hadn't taken my payment again. I called and was given the run around and could never speak to a supervisor. They said one would call me and they never did. They stalled until the XXXX day and finally called and said if I didn't pay it would mark my credit so I emptied my savings and payed. They have refused to allow me to see a transcript of my original call where I was told to start with my XXXX payment. They also said if I recorded any phone calls they would not talk to me. I have made mortgage payments for 30 years without ever being late or missing a payment. The methods of Truist Bank are to speak in circles and deny any wrong doing and " accidentally '' disconnected phone calls 3 times as I was supposedly being transferred to a supervisor. This is no way to treat hard working people. I did not ask this fraud of a bank to enter my life and cause so much stress that I was losing sleep. I feel helpless against a XXXX dollar corporation with no recourse. I hope this can help others as I'm probably beyond protection. Thank you. 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 2021-10-19
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage is clear we have paid on time and even from the previous lender, never missed or late payments. On XX/XX/XXXX, they received the XXXX mortgage on time and in XXXX, they called to let us know the impounds have increased and the new mortgage amount is~ {$100.00} more. We changed this immediately and began sending the new amount. In XXXX, we found out they filed a late payment to XXXX, XXXX XXXX, XXXX on our credit. A business transaction was canceled due to the bad payment history which is how we found out. Contacted the lender and they said that they did send out written notice ( we never received ) and so they had the right to put the mortgage into a side account and not apply it to the loan and file a late charge on our credit for the entire amount. is this correct? if so, it creates an unknowable situation. They are poor communicators, hard to get hold of, we receive very late or no mail from them and if impounds change again, they can easily further damage credit. 
please advise.

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 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$3900.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$500.00} -This is not my account. 


-- XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2021-04-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been having a problem with Rushmore Loan Management Services. I have been requesting that the PMI be removed since 2019 with no success. The latest letter even included the comparable to show that the property is now below 80 % value. I need your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I took a loan out XXXX XXXX. XXXX XXXX XXXX. XXXX LOUISIANA. I PAID THE LOAN OFF ON XX/XX/XXXX FOR XXXX TO XXXX XXXX XXXX LOGGED IN AS XXXX XXXX. ON XXXX XXXX A UNAUTHORIZED CHARGE OF XXXX TAKE FROM MY ACCOUNT UNAUTHORIZED. REPORTED TO CAPATIAL ONE BANK THEY GAVE ME CLAIM # XXXX. 
I REQUSTED CAPITOL ONE TO GIVE ME TO FRAUD DEPARTMENT BUT AFTER 6 WORKING DAYS STILL HAVE NOT RECEIVED ANY HELP FROM CAPITOL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Experian Information Solutions Inc.
State: MO
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:
An account by XXXX XXXX XXXX is showing on my credit report. I never authorized or entered into any contract with this company. The company has failed to verify or show proof of any contract.

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 2021-04-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Rushmore Loan Management Services in conjunction with XXXX XXXX offered a streamlined refinance of my mortgage. I was told the process was easy and that there was no out-of-pocket cost to me as a consumer and that no money was needed at closing. Rushmore since that closed refinance back in XX/XX/XXXX has informed me as of XX/XX/XXXX that they made a mistake in calculating what was actually needed when the refinance was processed and due to their error in aligning properly with XXXX XXXX and that an amount of XXXX was short. Rushmore took no accountability for this issue and even stated they know this issue happens from my conversation with XXXX from their customer service area on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im responsible person and I dont like to see it on my credit report. Im sure that some person hacked my profile and get my personal information!

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 2022-03-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a complaint asking for copy or original bill they did not submit it, they typed up a bill. The original bills has an adjustment for XXXX, and zero due. I got it from XXXX. They are also trying to collect intrest on a debt I do not owe them. When I called them they even gave my a much higher amount and offered to settle for just over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Systematic National Collection, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Friday, XXXX XXXX 2017 I received a call as I was completing my work day and preparing to head home. The caller identified himself as XXXX from Systematic National. He stated the bill about which he was calling and, as I was not willing  in that moment to divert my attention to the call, I asked him to call me back another day. 

From that point on, XXXX proceeded to badger me about how often they had called before and got no answer, and how difficult it had been to reach me. When I attempted again to ask him to call me on another day, he interrupted me -- in an exceptionally belligerent tone, I might add -- saying, " I do n't think you really want to pay this bill. '' Perceiving his confrontational attitude, I began to state my intent not to argue with him, but XXXX interrupted me again : " I do n't think you really want to pay this bill. If you do n't want to pay the bill, XXXX XXXX, just say so, '' he huffed. Then he hung up. For clarity, I will repeat. XXXX CALLED ME, berated me in his stated belief that I did n't actually want to pay the bill about which he was calling, and then HE hung up on ME. 

So what was the point? And further, I do n't care how much money I owe whoever, rudeness and disrespect are never in order. I afforded XXXX the same respect and professionalism I expect for myself. If this company and this representative are unwilling to do likewise, I am formally requesting they not contact me again EVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been contacted on numerous occasions by an alleged debt collector from phone number XXXX XXXX XXXX XXXX. They claim that I owe a debt on an old loan to which I have no knowledge. I have asked them on numerous occasions to verify the debt, and was told by the individual on the phone that he was not required to do that. On another occasion, I received a call stating that a process server was waiting for me at the last last known address they allegedly had on file. They stated that a lawsuit had been filed against me, and that they wanted me to meet them at this address so they can serve me copies of the legal pleadings. I have conducted a search on the XXXX XXXX XXXX XXXX website, and did not find any case filed against me. I am constantly being harassed and threatened on a daily basis by this company, and they have also somehow gathered contact information of my family and friends. They have called them, and during the discussion, they asked my friends and family to have me contact them about a debt, in direct violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Constar Financial Services, LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX fraudulently reported and sold a debt of a closed and fully paid off account resulting in undue stress and hardship. Lease was paid in full XX/XX/2020. XXXX showed unprofessional and unethical behavior by trying to charge me for fraudulent and untrue claims of poor vehicle condition upon lease return. They requested payment for " internal melted headlights '' and micro scratches. Of note XXXX held and paid a service contract on this vehicle because it was a XXXX vehicle and had strict service requirements. Despite being serviced by XXXX several times the headlights were never found to be a problem and were in perfect working order. Also of note the vehicle was returned in excellent mechanical and cosmetic order. I contested any and all claims for poor condition. XXXX did wave the requested fee for the headlights and stated theose were due to design flaw on the vehicle but refused to waive the fee for the " micro scratches ''. Of note lease law and contracts does allow expected wear and tear on a leased vehicle, it does not allow abuse to the vehicle or damage as the result of abuse. How a car can be driven for years and not have a micro scratch is not possible and also hints to likely very large and ongoing consumer scam by XXXX to defraud the consumer out of funds at the end of a lease. XXXX illegally and fraudulently reported and sold a paid off debt to Constar Financial Services , llc. resulting in undue stress and hardship on me. I am sure XXXX has done this to others and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
RE : CFPB Complaint # XXXX Thank you for the update on my complaint filed on XX/XX/17 regarding my situation with PHH Mortgage. Interestingly, I just received another advertisement in the mail from PHH ( see attached copy ) regarding the exact thing they offered me before and later denied. They bait people in saying, because of our excellent standing and estimated home value we may be able to receive cash out funds. I understands it says may, but then when you speak to one of PHHs ( I assume ) commission driven representatives, they further encourage you with statements about how we are in a great position to proceed. Then they basically steal over {$700.00} from you in a blink of an eye. Depending on the response I receive from PHH, which should not even take this long to resolve, I will decide if I will proceed with other avenues available to me. In the meantime, however, I will await a response from you. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account with Coinbase, I sold my Bitcoin and hit a button to withdrawl my {$160.00} I got confirmation letter the money would be in my back account by XXXX XXXX. I have not recieved it and have no way to contact the company they do not answer the phone they just say send an email to support but I could not figure that out either

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The bank I trusted with my money : Santander. On or around XXXX XXXX XXXX I had noticed strange unauthorized activity withdrawing money from my checking account. My card was charged {$92.00} plus an international charge of {$3.00} on XXXX/XXXX/XXXX. Another charge in the same amount was posted to my account only 14 days later. On XXXX/XXXX/XXXX my account was charged again in the amount of {$92.00} with an international charge of {$3.00}. I spoke with a branch employee reguarding the issue and we then set up a complaint and attempt to retrieve money back. My card was replaced at that time. Within about three business days one of the charges had been refunded. The amount refunded was {$92.00} plus the international charge of {$3.00} was refunded to my account on XXXX/XXXX/XXXX. I was still waiting for the remainder of the refund. The amount I was waiting on was {$92.00} plus {$3.00} international charge. On XXXX XXXX XXXX my account was over refunded two refunds in the amount of XXXX and an international charge of {$5.00}. My expected refund was only in the amount of {$96.00} total. The over payment was not my fault and was in the amount of {$96.00} plus {$5.00}. On XXXX XXXX XXXX I had noticed the overpayment was taken out of my account in the amount of {$92.00} and {$3.00} the international charge. Then on XXXX XXXX my card and account was debuted yet another {$92.00} with another {$3.00} international charge. It also caused my account to drop to a negative account balance. I have sat down with several bank representatives who have seen the wrongful amounts withdrawn from my account and they have told me they could not help me. Over the course of the rest of XXXX I refused to put money in my own account for fear they would allow wrongful withdrawals again. I asked them to close out the account and it had since aquired addition overdraft fees each being {$35.00}. And then once more a sustained overdraft fee of {$35.00}. A total of {$170.00} in overdraft fees. Im hoping that they can adjust the amount that I owe so I can once again open a bank account as I have not been able to because it has been reported against me. This situation is not fair to me and my time. Its been very stressful for me and as a mother of XXXX children I need a bank account to keep my money safe. I do refuse to pay money that I do not owe in the process of this reselution.

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 2017-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have filed a previous complaint regarding this. 

On XX/XX/XXXX BOA took my automatic payment out of my account twice. 

for {$2700.00} they only credited the account once. 

I have called them on numerous occasions to have this resolved with not action taken on their part. So they have owed me {$2700.00} for a month now. 

If this had been the other way around, I would be incurring late payment charges and high interest rates. 

After I filed a complaint with your organization I finally did get some action from BOA. 

They credited my account for {$1200.00} and started to reflect the 2nd payment they had taken on my account. However, they did not refund the entire amount that they mistakenly withdrew on XX/XX/XXXX. They took an extra {$2700.00}, they finally refunded ( after I filed a complaint with your organization, thank you very much ) {$1200.00}. They still owe me {$1500.00}. 

I did not stop payment on my " auto pay '' this month for XX/XX/XXXX. I was afraid if I did they would charge me late payment fees and interest.. 

So now they have taken {$2600.00} out of my bank account for the XX/XX/XXXX payment. 

Which would be OK, except they neither credited me or returned the {$1500.00} they have owed me for over a month now. 

I am in XXXX, so this has been really difficult for me to handle. I have already spent over {$100.00} on international phone calls trying to resolve this with BOA to no avail The only satisfaction I have gotten is from contacting your organization. 

Could you please help me get back the remaining money they owe me? {$1500.00}. 

Thank you 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 monetary relief
Consumer complaint received 2019-06-26
Company: ZARVAD III S.A.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I previously borrowed {$800.00} from this company. I have paid back {$1200.00} of that. I am struggling to pay the balance due which is {$1000.00} as I have admitted to and is getting help for XXXX XXXX. I have asked that this account be closed as paid in full or atleast given a reasonable settlement. 
My response was a threat from Mypaydayloan via email for copyright infringement, disclosure of confidential information and breach of contract and a {$900.00} settlement offer. 
Again I am struggling financially and am asking that this be paid in full or given a more reasonable settlement. Being paid in full would be more satisfying to me as this has been the most unpleasant experience ever and I will NEVER get involved with companies like this again!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 filed a dispute its been well over 30 days and i have not received any investigation results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I got a deposit from the irs for my tax refund. I went to the bank transferred money in my dads account wrote checks to my day care and car payment rent then around XXXX the restricted my account bounced the checks then deposited my pay roll check today. They still havent closed my I have asked them to close it and give me my money and they said it would be 10 days Then another 10 days they are hold almost XXXX XXXX dollars of my money and wont let me touch it I owe bills I have 2 kids I have to feed my car payment is due I just need the money released and they are holding it. Wont tell me why they closed it and told me there was nothing I could do.

Company response to consumer: Closed with explanation