BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a conventional mortgage on my home, and I have never missed a payment. 
I got this mortgage with a mortgage company that unfortunately sold the mortgage account to the SunTrust Bank, merged today with BB & T and with the new name of Truist. 
I am foreseeing financial hardship in the future because of the Covid-19 crisis, and would like to get to an arrangement with Trusit in case I need help in the next 2 to 3 months with my mortgage payments.

Truist has zero customer service during this pandemic times. The only way to get help with mortgage issues is by calling the number XXXX-XXXX-XXXX, but the problem is that my domestic partner and me have been on hold for up to 3 hours in several occasions and we have never been able to reach a representative. 
We turned to the community and all other clients of Truist are experiencing the same problem, some holding for up to 5 hours in a call without ever getting an answer.

The few cases we know that got through after many hours, are extremely disappointed, since all Truist offers is a 90 days forbearance, in other words, people who chooses this option will not pay anything for 3 months, but will have to produce the mortgage payment of all 4 months on the fourth month or will face foreclosure. Is this even legal?

Since calls don't get answered, I went to a branch risking being on the street, emailed their ''customer support '' address and even wrote to them on social media ( XXXX and XXXX ). I have never received an answer. Please help investigate what is going on with Truist.

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 2022-09-09
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking to rent a home, I came across a home for rent I called the number. The man said I could go look at the home immediately he sent me a code to open the door. I went and looked at the house on XXXX. After viewing the house the man contacted me and asked if I was interested and what I thought. We talked for a few minutes he then said he would need to complete a credit check and I would need to fill out application. The fee was {$50.00}. I got the application filled it out and sent it back to the man with copy of ID and social security card. And the fee. Hours later he contacted me saying I was approved. To secure the house he needed first and last month rent and he would return the following day with the keys to the house. I sent the funds in the amount of XXXX. The following day I contacted him and my phone number was blocked. I immediately contacted my bank and let them know what happened, and my bank told me there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a Chime acct that I had my check transfered into back in 2020. I had about {$1200.00} in my acct when one day I went to pay my rent and my card was declined. I went on to Chime mobile app and it started that my acct was closed. So I immediately attempted to call chime to dispute the whole situation well after several calls and no way of leaving a voicemail I finally got thru. When I spoke to the representative which was no help they requested that I send over a copy of my ID, social security card, and a picture of me holding my ID up. So I did, I never heard back from them I've attempted to call and was not able to speak to someone. After about two weeks I get a email that said I did not send them the info and as of right now my acct has been closed and for further action I needed to call them. Well needless to say after about 6 month of the back and forward them telling me they couldn't do anything CHIME stoled {$1200.00} from me with not one explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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 recently submitted a request for investigation of an Acct Number : 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 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 XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :

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 2015-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had receive a check in the mail for XXXX that was given to me from a friend who needed money. I went to bank on XXXX to deposit the check and bank teller deposit money into my account. I ask bank tell if the check going to be clear on XXXX and she said, '' yes '' that it would be in my account XXXX morning. when I check my bank account, the money was in my account XXXX morning. The local bank of America that I bank with, used the money for my purchase that I have made last week to pay for a bills as well. I went to the local XXXX to get a money order to send to a friend. the first money order went through with no problem and second one did not cause bank put a hold on my debit card thinking that it was a fraud or somebody using my card. so I told them to cancel check for XXXX and that I was going to go see if XXXX going to give me back the money. customer service department of bank of America told me that they going give me back money and put it into my account at midnight it never went in. XXXX, I got paid with my regular pay check and bank took that money as well to pay for my bills. only thing that see that bank did was reversal of the XXXX in my account. the whole time neither bank nor customer service never call to tell me that check that I deposit into my account on Monday was no good. I also have fraud protection on my account. I call customer service on Friday about my account, they told me that they sent XXXX check back to owner and that he put a stop payment on the account. so they charge me XXXX fee and XXXX for my account being over draft. they said that I have pay them the money or the friend that sent check have to pay them. this was from my local bank of American who I talk to one of local manager at the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-24
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have been in our home since XXXX. In XXXX, we changed our loan, due to the APR and balloon payment of our XXXX mortgage. XXXX, was the loan processor, here on XXXX. Somewhere in this transaction, there was rob-signing, along with some other issues on the loan. Over the next few years, our loan was bought and sold XXXX times. I processed a loan modification in XXXX, which was approved. Our payments had been around {$4200.00}. with tax and insurance, and were reduced to {$3300.00}. per month. In XXXX, I was put off work by physicians, and we were having difficulty with the mortgage. In XXXX, we applied for a HAMP, ( loan mod. ) and were refused. We have since employed a person for assistance with this issue. It was discovered that our loan, was indeed, fraudulent. Since this time, we have been trying to resolve this issue. We were served Summons papers on XXXX XXXX, regarding a threatened foreclosure on our home. We were to file with the courts, what our intention was, on our property. The summons came from the office of XXXX XXXX. Our issue is with XXXX, and their service company, OCWEN. When XXXX XXXX was contacted last week, they stated, " we do not have a loan with XXXX and XXXX XXXX ''. They could not find us in their system by name or social security number. We submitted on XXXX XXXX, a dispute regarding the multiple offenses regarding our loan. I have attached several letters written by our representative, which were sent to the Court, and the office of XXXX, attorney at law, on XXXX XXXX. These letters are of great concern to us, and we really need our loan, looked at. I will forward our latest billing from Ocwen, which includes penalties, and late fees. This will have our loan number on it. Also I will attach the Summons, and XXXX I will send the XXXX letters written and delivered to XXXX, and the XXXX XXXX, XXXX, Hi I also need to know if this person helping us is fraudulent in any way. Her name is XXXX XXXX, XXXX XXXX XXXX. I also would like to know if XXXX XXXX XXXX has any bad reports. I just started talking with XXXX XXXX XXXX ( XXXX ) regarding this issue and they recommended a quick short sale. We are so confused at this point, we do not know who to trust. Please help ASAP. We only have a week to decide and file with the Courts if we want to short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these suspicious accounts from my reports as soon as possible. 

XXXX XXXX {$2300.00} XXXX  XXXX {$24000.00} XXXX/XXXX  XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$6300.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX   XXXX {$3300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$51.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$1800.00} COLLECTIONS XXXX {$90.00} XXXX/XXXX  XXXX {$150.00} XXXX/XXXX  XXXX {$2200.00} XXXX XXXX   XXXX {$9900.00} XXXX XXXX {$8000.00} XXXX XXXX {$98.00}

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 2017-02-28
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I applied in branch for the Citi XXXX Card. I was informed by the banker that I would be eligible for the " in branch offer '' of XXXX Thank You points and {$350.00} annual fee, as opposed to the online offer of XXXX Thank You points and {$450.00} annual fee. For this reason, I decided to apply. Upon satisfying the sign up requirements, I noticed that my account was only credited XXXX Thank You points and my annual fee ended up being {$450.00} ( similar to the online offer ). Turns out that after a quick google search, that the in-branch offer was only available if you signed up for a checking account as well, however I was not informed this in branch. If I had known that this was the case, I would n't have applied for the card to begin with. I spoke to Citi a few months ago about my complaint, but they were unable to offer a compromise. I am still very upset about this and frankly I feel cheated - I only just found about CFPB and figured that I would document my story here so that others do n't make the same mistake that I did.

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 2016-12-17
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
CITI Diamond Preferred Card ( Citibank , N.A . ) emailed me a statement showing due the amount of {$250.00}. They announced that the amount was overdue, and reported to XXXX that {$250.00} was written off, and {$240.00} was past due as of XX/XX/2016. 
FACTS : I have not used that card in over a year. I have never previously received any communication from CITI concerning this balance remaining. I assert that I did not incur that charge. 
Further, when I telephoned them to discuss the matter, the person refused to talk with me about it, claiming that " the account is in transition. '' I then asked to be connected with their security department. She replied " There is no security department. '' CITI should not have reported this account as a write-off without having communicated with me first. The CITI representative should have been supportive of my attempt to communicate with them. CITI is in error. I expect them to correct their errors by clarifying this matter immediately, and by removing the adverse information from the credit report ( s ). 
Citibank ( South Dakota ), N.A. 
Customer Service Center XXXX. XXXX XXXX XXXX XXXX, SD 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 2022-04-13
Company: Aspen Yo LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX sold my loan to XXXX, which is administered by XXXX XXXX, XXXX. I was in an 18 month deferral for payment to XXXX until XXXX XXXX, XXXX because I lost my job because covid affected my employers business and I could not make payments during that time. I was laid off on XXXX XXXX. I started making payments to XXXX again for XXXX, XXXX, and then for XXXX and XXXX. XXXX sold my loan effective XX/XX/XXXX this year. I then began making payments to XXXX for XXXX and XXXX. However, Gregory has moved those last five payments to unpaid months in XXXX and have notified me that I am delinquent and subject to foreclosure. This is not accurate. I have requested first, of XXXX and second, of Gregory to roll my unpaid interest and escrow amounts ( {$38000.00} ) into a balloon payment due at the end of the loan. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Johnson Mark LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Last year I received a summons for a credit card that is not nor ever was mine. I sent it all the information that was requested as did my wife. They are just assuming this is my debt. I do n't know how more to prove that it is not I when it seems that all Mark Johnson LLC has to do is say it is me. Anyway I sent all the documentation that was requested. I also told them that I think it could be fraud done by my estranged daughter. I NEVER received a court date to fight these allegations. The next thing I know my check has been garnished in an exorbitant amount! I do n't know what to do because it 's impossible for me to prove a negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-27
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Other fee

Complaint:
Last Fall Macy 's charged me for an loyalty program I did not buy. 
I asked to have it removed several times. After many months, and escalation to supervisors at Macy 's credit they removed the charge and interest. 
I am now receiving bills again from Macy 's with interest charges with small but incorrect interest charges. 
Macys also failed to update my credit and remove the erroneous late payment information. I can not be late to pay something I did not buy.

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 2020-04-02
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo services my commercial loan. In XXXX of XXXX, the tenant in the building failed to pay the real estate property taxes which are required by the lease. In XXXX of XXXX the tenant filed bankruptcy status and closed the business. Wells Fargo was required to monitor and manage the loan and insure that property taxes and insurance was continually paid up. Wells Fargo failed to identify that the tenant did not pay the property taxes and now I'm stuck with a {$27000.00} bill for their property taxes. This is a horrible lapse in servicing and Wells Fargo should reimburse me for this expense incurred due to their business failure.

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 2015-05-06
Company: Focus Holding Company
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with XXXX XXXX XXXX in XX/XX/XXXX and paid it off XX/XX/XXXX. It never showed on my credit report before now after it was pais and this company Focus RECIEVABLES Management IS ON MY CREDIT REPORT SAYING ITS UNPAID. IVE TRIED NUMEROUS TIMES TO GIVE THEM A CALL TO REMOVE IT, PROVIDED PROOF AND IT IS STILL SHOWING ON MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Focus Holding Company
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have an account listed on my credit report from Focus Receivables Management. I did n't receive anything from this company. This account, now almost 6 years old, was settled with original holder - XXXX. I have not received phone calls or mail from Focus Receivables and it is greatly impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
XXXX I have stuff on my credit report that I didnt have anything to do with

Company response to consumer: Closed with non-monetary relief