BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please refer my previous complaint # XXXX. 
It was : -- -- -- -- - I had opened a Checking account with BB & T last month. I have setup the direct deposit also. I have no idea why BB & T has blocked my online access? As during COVID-19 me and my spouse is working remotely ( from home ) as well as helping the kids during their online schooling. It seems BB & T called and my spouse picked up up the call - but he was in a meeting and I was also in the meeting. I tried to call back BB & T at XXXX but there is so many confusing menus and no way to reach out a human being. Worse thing - during this pandemic - this bank is giving tough time to it's customers - by blocking their online access for no good reasons. Moreover My XXXX payment request is also blocked or stopped. I want full access to my BB & T and freedom to use my account - as end of the this is my money and I need to have the access during this testing times. 
-- -- -- -- -- -- I am not satisfied with the response of BB & T after CFPB intervention. 
My access is blocked. 
I tried calling them but it's a long wait and confusing menu. 
Ideally they should have provided the direct number to reach out to them. 
With my full time job, preexisting conditions during pandemic - I can not think of going to their branch and risk my life. 

So i would l like my account to be closed and all the money being sent to me by check or money order. 
I just don't want to deal with this bank anymore.

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 2019-03-13
Company: CITIBANK, N.A.
State: CA
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:
To whom it may concern,XX/XX/2019 I woke up to an email that a new XXXX XXXX account had been opened up under my name Come the days to follow I began receiving numerous notifications from the credit bureaus of more fraudulent hard credit pulls. 

Ive also been unable to sign into my XXXX account online. XXXX emailed me on XX/XX/XXXX about an email address change on my account and to contact them if it wasnt me. Ive tried contacting XXXX and still havent received a response. I dont know why I didnt have to verify the change first because now Im still here locked out of my account. 

To date, here are the actions Ive taken so far ... 
I called XXXX XXXX  about the opened bank account immediately after I found out. They informed me they had done their part to make sure the bank account would be closed and no further accounts would be opened with my information. 

I then made sure to call and place a credit freeze as well as a fraud alert with all three credit bureaus. 

After finding more credit inquires, I called XXXX as well as Citibank to make a report. Both companies assured me that no credit cards or accounts will be opened in my name. 

I received a letter in the mail from CitiBank that mentioned they were unable to verify the accuracy of the credit information on my account, therefore not proceeding forward with the application. That letter will be attached. 

I took it to sign up with XXXX XXXX XXXX as a precaution for any further actions that may arise. Ill attach a screen shot as well from my XXXX XXXX account showing the reported credit inquiry information. 


List of hard inquiries pulled : XXXX - XXXX ( XXXX XXXX  ) - XXXX ( XXXX XXXX  ) - XXXX  ( XXXX XXXX   ) XXXX - Cbna ( Citi Bank Credit Card ) XXXX - XXXX XXXX  Credit Card - XXXX   BANK ACCOUNTS - XXXX XXXX Account - XXXX XXXX  Account Reserve Credit Line Request Thank you and I appreciate in efforts in helping me through this process.

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 non-monetary relief
Consumer complaint received 2022-02-23
Company: Upgrade, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had an issue with this company on my first payment. I was thinking my first payment was due in XX/XX/2022. This company tried to get payment from my checking account 3 times which cause me to have overdraft fees times 3, making my account negative. I called the company and tried to explain this, but it didn't matter, they continue trying to take it the last 2 times. So, when I made my first payment it was in XXXX of 2022. I was unable to make a payment in XXXX due to the overdraft fees caused by this company due to the overdraft fees for the Month of XXXX. I get paid monthly and on a fixed income. 

On XX/XX/XXXX, I went onto my Upgrade account online to set up a payment for my monthly payment. This company took and extra payment of XXXX dollars out of my account in addition to my standard monthly payment. I did not authorize XXXX dollars payment and called the company to see why they trying to take additional funds. I was told that I authorized this, and I did not. so, I asked for proof, and they did not send me proof. I had to do a stop payment on the XXXX dollars and stop this company for using my bank account for payments. During this time, I saw they also posted that my regular monthly payment was posted. I was told they did not receive this payment due to my bank doing a stop payment. I called Upgrade and talked to several customer services, trying to pay this company via of debt card. I was told they did not received payment via of debt card, which isn't true. I saw this option offered to me before I talked to a customer care and when I tried to go back into my account to pay via debt card it was removed. I open my account on a different device and saw this option. I sent a screenshot of this to Upgrade to show them they do offer this type of payment. Upgrade is giving me a hard time and I don't understand why. I also know you charges late fees, and I don't think I should be charged any late fees due to this issue. 

The problem I'm having with this company, I was told that my account would be 30 days late of XXXX the XXXX and they could not take my payment via of debt card. So, I sent my payment via of USPS via XXXX mail on XXXX the XXXX, 2022. So, I could make my payment on time. This company has not posted this payment to my statement, they have me posted as 5 days late. I called this company, and I was told that when they received payments via of mail it takes up to 5 days to post to my account. My problem is why did this company stopped me from paying my bill via of my debt card? Why tell me you don't take debt card payments and you do. I sent screenshots to this company showing them they do offer this way of payment and why wasn't I allowed to pay them this way

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25
Company: Bread Financial Holdings, Inc.
State: CO
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:
XXXX XXXX XXXX by Comenity bank XX/XX/XXXX first I scheduled two payments to pay off the card before the finance charge was added to the account. One payment for XXXX $ from one account ( XXXX ) and another XXXX payment from my checking account. 

The bank stated that they never received my payment of XXXX $ and that because of this the finance charge of XXXX $ would be assessed. I opened a dispute with them but never received confirmation that the dispute was taking place nor what action resulted from the dispute. 

On XX/XX/XXXX the bank confirmed that there is a business rule on the back end of their software system saying that only one payment can be pending a day ( a Sr. account manager named XXXX ). 

This rule is not clear- the email notifications you receive are that one payment is completed and then a payment has been updated but it is not specific about which payment is updated. I have spent 15 hours on the phone with the bank and they refuse to admit that this is a system issue and that the finance charge should not be applied. They have stated that they have mailed me letters ( XX/XX/XXXX and XX/XX/XXXX ) but I have never received these letters despite having confirmed my address with them and requested them to mail the letters certified mail multiple times. I also stated that since the payment was being made from a new account this constitutes a new payment and the bank ignored this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern ; Back in XXXX or XX/XX/XXXX we applied for XXXX of those Making Home Affordable loans with Wachovia which is Wells Fargo now, because me and my husband, both lost our jobs. Those loans were supposed to be 30 year fixed loans and the usually reduce your principle balance so you will have a smaller payment that you can afford. Well first they said we did n't make enough money, so we had to add my daughter 's income to show more income so they would approve us, because I was on unemployment. And then when we finally got temporary approval, first we had to make XXXX payments on time and then it was made a permanent loan. Well to start with our payment before we got this loan was about {$910.00} after our temporary loan was approved, our payment went up to {$1000.00}, starting on XX/XX/XXXX, then XXXX payment on XX/XX/XXXX and XXXX payment on XX/XX/XXXX, so our payment went up instead of down, they did n't reduce our principle balance like they should have so our payment would be smaller, that was the purpose of the Making Home Affordable loans, but that never happened. Plus it should have been a 30 year fixed, but it was n't because we just noticed that in XXXX of this year our payment will increase and again in XX/XX/XXXX it will increase again. I do n't know if you can help us out and do anything about it since our loan was done wrong, because it did n't make the payment affordable to us so we could pay it ourselves, so for now my mother in law pays our house payment for us because we ca n't afford it and she does n't want us to lose our home, but she ca n't do that forever. We need to get this loan corrected the way it should have been. Because my sister that lives in XXXX, CA got a Making Home Affordable loan last year in XXXX and they reduced her principle balance and her monthly payment went from {$1500.00} a month to {$500.00} a month, that 's the correct way it should be done. So can you please let me know if you can do anything and help us to get our loan corrected? Please help us out if you can!!!!! Let me know what info you need from us, if you can help us. Thanks!!! 
Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: NY
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: MoneyLion Inc.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Beginning on XX/XX/22 to XX/XX/22, transactions began hitting my account that I didnt make. I called dispute center and filed a dispute on what had cleared, approx XXXX XXXX 4-5 days later I filed the 2nd dispute along with a police report. This one had roughly {$1600.00}. The first dispute concluded and they refunded XXXX I then began to call companys on the # 2 disput. One of which was XXXX XXXX  XXXX, {$300.00}, XXXX $ then Moneylion completed the number 2 dispute and Paid nothing except for two transactions, XXXX XXXX for XXXX $ total. ( the ones I called on ) .my deposit on the XXXX was {$2100.00}, so they got most of it. Its now the XXXX and I just ran out of money, food, fuel will be next. I dont get paid till the XXXX. Money lions actions could now be a death sentence for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I called XXXX XXXX XXXX ( XXXX   ), which is the number on their website and they stated the card was not registered. I explained I had received the card as a gift and informed them it should have a {$100.00} balance, however the representatives response was it is not a registered card no other options were offered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: NY
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 a victim of identity theft. The information is listed on my FTC Identity Theft Report, my written notice, circled in RED on my E

quifax consumer report and this complaint does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Please see all my attachments. Things such as addresses, inquires, incorrect SSN attributes to my finds. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promp tly notify the furnisher ( s ) of that information
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023, with the assistance of a bank rep I opened a new CD with funds from a joint ALLY savings account to an ALLY acct. which was to be a joint CD. I have done this before with ALLY Bank online. The bank 's software was faulty and opened an acct. in my name only. This rep said she could correct and then we were disconnected. The next rep said she could fix and it never happened. Before I disconnected with the second rep, I asked for a case number, She gave me the number of one of our other accounts. I emailed the bank 3 times and got conflicting information back. Today I spoke to a supervisor who said it will be corrected in 7 t0 10 days. I also submitted a fax request yesterday. Interestingly, the beneficiary information passed over without me requesting it, but not the joint ownership. This is a very serious issue. Should I die, my husband 's fund would not go to him, but to the beneficiaries. This is not what we want and we are very concerned about all the misinformation. Hearing repeatedly it will be fixed in 2 days and now 7 to 10 days. I have no confidence that it will be corrected. 

Can you help correct the account title?

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 2017-04-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax posted a " major derogatory '' on my credit file that was reported to XXXX not Equifax. I have disputed the item with XXXX and it was deleted. The account was paid in full with XXXX and never should have been reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My latest contact with Chrysler Capital was with XXXX at the XXXX if that is her name and what ever the XXXX is????? I have offered again to go over my complaint and they refuse. The XXXX CRA also are not doing a thorough investigation. Both Chrysler Capital and the CRA are just responding in a way to move the case to show there is something going on and that is it SOMETHING??? This is clearly an intentional act of willful intent to cause harm and is reckless. What is happening to me is NO different than what Santander USA was prosecuted for in Texas. I am not an active service member, However I am a XXXX American citizen. If someone would read all the documentation I am confident one would clearly see that Chrysler Capital has from XXXX XXXX and currently is WILLFULLY causing me harm. I have made a reasonable offer to pay the contract value for the car this allows all parties to move on with no loss. With the exception of the the countless hours I have had to log fighting for my rights. The XXXX, time away from my daughter, both XXXX and XXXX, the XXXX it has caused myself my daughter her mother has put us all a step back in an ongoing healing situation. The sad thing here is there are people within the organisation know exactly what they are doing. This is nothing short of terrorism for profit. I am BEGGING for this case be forwarded to ALL Governing agencies that are capable of granting me the FAIR request to get out from under the abusive control of Chrysler Capital and what ever needs to take place to remove the FRAUDULENT CREDIT REPORTING on myself and joint owner. with NO negative comments. Although I feel I should be compensated at minimum the Maximum amount awarded in small claims court for the obvious violations. I just want to pay of the principle amount get the title and move on. I PRAY that this be escalated to the highest level allowable so I can put this behind me. XXXX. The other thing I keep leaving out. When I first discovered the False reporting in spring of XXXX I had just started rebuilding after horrible time in my life. This triggered a DEEP cycle of XXXX I am prone to and I just XXXX and I let XXXX Credit Cards accounts I recently opened. As we all know the financial implications of that. I started dealing with this again in XXXX of XXXX with no resolution. This is what I believe Chrysler Capital feeds on keeping people in the subprime cycle. That is why I believe there business model is report late payments from a supposed missed first payment, so one ca n't refinance after six months, in addition to racking up fees. My account I believe is over XXXX XXXX Dollars overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Round-point mortgage co included escrow account without my approved knowledge I pay my taxes on XX/XX/2022, I was paying {$920.00} as my mortgage regularly for past 8 years without any problem, Round-point mortgage did the analysis more than my mortgage payment, mean while {$1200.00} I right way I stop escrow account with Round-point mortgage they agreed to stop, because analysis over estimated by {$700.00}, I paid my taxes and insurance by myself for past 10years from the day I bought my home. They sold my mortgage to XXXX XXXX  without sending any notice Now my mortgage payment is {$2300.00} over estimated the scam analysis done by Round point. They ask to refinance they can pay for upgrade my home they were harassing me for while I told outright to stop my escrow and stop calling me for upgrade and refinance which was stress for me from Round point mortgage CS personal, My mortgage payment which I sending to XXXX XXXX goes to suspense Account I dont know what that is, I like file a complaint regarding Round point mortgage unprofessionalism, the stress strain and sleep less night emotional physical distress I go thro every day because of Round point mortgage bad customer service I was loyal customer to them past several years. They did not fix the problem instead they sold to XXXX XXXX without any notification, I was talking to Round point mortgage till XX/XX/2022 paid extra {$1300.00}. On that day they didnt mention they selling my mortgage to a different co, After I could not contact them by phone, I send letter by mail no response. I did not sign any documents with Round point mortgage for escrow I paid my taxes, for this year for last 8 years I been paying without any problems. Please fix my problem ASAP. Please reprimand Round point regarding and stop corruption and screwing customers lives. 
Round point Acc no : XXXX. 

XXXX XXXX Acc NoXXXX. 
XXXX XXXX XXXX XXXX TX 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 2022-06-20
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX to pay balance ( this was during Corona Virus ). We spread the payments out over a few months - I was told to not worry about contacting debt collector they would let them know I was paying them directly. 
I paid XXXX XXXX  as agreed the entire amount - there was no charge off as Berlin Wheeler has indicated in notes. 
XXXX stated Berlin Wheeler would remove from credit report after last payment was reported. 
I did not pay Berlin Wheeler I paid XXXX directly. 
I contacted Berlin Wheeler to ask why had they not removed from my credit report they stated they didnt have to even if I paid account off if was there discretion who they choose to remove from credit report. This is not fairbI made arrangements with creditors due to natural disaster paid in full on time as arranged - and this company gets to decide whos credit they will ruin for 7 - 10 years.

Please help me. 
Thanks XXXX 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 2020-01-13
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid 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:
pnc card ending XXXX told them there was a charge from XXXX  i did not recognize. they took away my credit i just called and was put on hold i cant wait i am in court now should i have to. i do dispuute XXXX from XXXX  and would like my card back. and my available credit.

Company response to consumer: Closed with explanation