BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Purchased a condo home in XXXX, VA after a period of loan processing with lender XXXX XXXX XXXX, in or near XXXX XXXXXXXX, Virginia. This loan utilized a VA Home Loan. Based on frequent communication between my loan officer XXXX XXXX, and my insurance broker, XXXX XXXX of XXXX XXXX Insurance, and myself, I purchased a hazard insurance policy that met both my, and my lender 's requirements. I was advised by my lender, that their requirement would be to escrow this cost for the first year. I was advised a few days before closing, that my lender 's common practice was to re-sell mortgages in the short term after closing on the purchase was complete. After completing the a pre-closing advice session with a local closing attorney, XXXX XXXX, I completed the closing documents with his firm, obtained my keys, and took occupancy the same day and established my primary residence. A few months later I was advised of a change of servicing as my mortgage had been purchased by a BB & T Bank, which was itself in the process of being purchased by a financial company called Truist Bank. 

I had a similar issue arise around one year ago, which was considered resolve, XXXX complaint # XXXX. 

But I received a letter today, instead indicating that the company wished to again modify the requirements for my loan, by requesting I obtain additional coverages for my mortgage/hazard insurance beyond those required by the Original Lender and mortgage agreement. I have maintained my insurance coverages with my local insurance agent, XXXX XXXX, and have not made any reduction to my coverages. Yet my new company, wants me to take on additional coverages to comply with their own requirements.

I did not originate my loan with their Truist Bank, or its purchased Banks BB & T nor SunTrust Bank. I do not believe that BB & T purchasing my mortgage, nor Truist Bank by proxy as the purchaser of BB & T Bank, should be able to insist upon new terms to my mortgage. They purchased the mortgage as an asset, and should instead be maintaining the original agreement and requirements set by the Original Lender, XXXX XXXX XXXX. Upon review of the CFR, section, Force-placed Insurance ( 12 CFR 1024.37 and 12 CFR 1024.17 ( k ) ), I see no provision which allows for the company to require greater coverages beyond those required at loan origination.

But it deeply concerns me that what seems to be a clear over-reach by their mortgage department, to offset some unknown variable of risk, that did not concern my original lender, will potentially result in an increase to excessive amounts held in Escrow.

I am hopeful that this may merely be caused by a lack of proper records keeping by the bank during their merger and acession into suntrust bbt and truist. 
But I again find myself unable to find an adequate answer by contacting the call center.

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 2022-03-26
Company: SYNCHRONY FINANCIAL
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:
Hi, I had started finding out from XX/XX/2021 that someone opened credit card accounts using my name and XXXX. He opened a credit card account at XXXX XXXX  last XXXX, another one from SYNCB/PPC last XXXX, and another from XXXX XXXX XXXX last XXXX. 

So, I kept disputing these fraud accounts against 3 credit bureau companies but they keep saying these are accurate information. So, I started sending my own proof documents to them this year and waiting for the results. 

I took actions like credit freeze and alerts to all of 3 credit bureau companies last week and started calling the banks with the fraud account. 

I think someone same person have tried to open many other credit card related accounts, so anyway I need to stop this guy immediately. 

For more proof information, please let me know.

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 2017-05-26
Company: CB1, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  sent me several letters on my account stating that it is closed because of money that I owed them. I contacted them and requested to dispute the transactions, but they were unable to assist me further and proceeded to mail me more letters. I mailed a letter back stating that I will not pay them what I owe because I did not authorize it and they sent more letters to me, this time to my different address.     This is leading to harassment because I asked them nicely to stop the first few times

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was attending college to become a XXXX when I found out I XXXX. I was out on XXXX by my doctor due to being sick and XXXX. I told my program director about my issue and we decided that taking the rest of the quarter off would be for the best. A few weeks later I received a letter in the mail from the school stating that I was being terminated from the program due to my " lack of attendance '' and that I could not return back until my loan was paid in full. I had since been informed that there was no documentation about my request for the time off and that, since there was no proof, there was nothing they could do. I 've been applying for income based repayments and deferments that put me at {$0.00} payments but interest is still accruing. I now have XXXX children and I 'm trying to resolve this issue. I 've tried everything I can think of. Interest is still building and at this rate I fear I 'll never be able to get ahead. i just want this as resolved as I can possibly make it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Rocket Mortgage, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My names are : XXXX : XXXX : XXXX : and I live permanently in : XXXX : in XXXX under postal address : XXXX XXXX : XXXX : XXXX : under my names : XXXX : XXXX : XXXX : and I utilize my names as such also under : XXXX XXXX : where I have an insurance against theft for : {>= $1,000,000} : and I have a remittance fund at the :XX/XX/XXXX : for : {>= $1,000,000} : from an initial bond of : {>= $1,000,000} : from my : MEGA Millions Lottery : prize winnings which was a larger sum as the Jack Pot on the day of my lottery winnings was declared to me and my bond for {>= $1,000,000} was issued to me for me to redeem by the : Federal Bureau of Investigation : as such I purchased a condominium on XXXX XXXXXX/XX/XXXX: under :XX/XX/XXXXXXXX : in XXXX XXXX on Zip Code:XX/XX/XXXX: in United States under my names : XXXX : XXXX : through : Quicken Loans : under loan number XXXX : on the Date of Purchase of : XX/XX/2020 : and I had also paid my student loan re finance from my : {>= $1,000,000} : at the : XXXX XXXX XXXX XXXX XXXX also through : Quicken Loans : for : XXXX : by : XX/XX/XXXX Here : under reference number XXXX : under my names : XXXX : XXXX : under invoice XXXX : such that my two loans should be declared to me by Quicken Loans so I would like for you to force Quicken Loans to declare my home purchase to me and I am conversant with the issues of safety as the Coronavirus has ravaged the United States than any other country however the response that I receive fro Quicken Loans has made me to lodge a complaint as my home purchase loan should be paid and my documents and notifications should be forwarded to my e-mail address : XXXX : such that I can be allowed to emigrate to the United States from XXXX to go and reside in my condominium under my names : XXXX : XXXX : in XXXX : so please assist me as I submitted my case to : XXXX XXXX XXXX at the office of : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX and I contacted other law firms at XXXX XXXX previously to seek their intervention thank you sincerely : XXXX : XXXX : XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Camelot Financial Services, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Some one else received a loan online from Ace Loan company in my name. I have not received a loan from them ever. Some one stole my Arkansas ID and used that. This collection company wants to garnish my account for something I did not do. The incident number is XXXX. The email that I need to send information to that someone did my name under fraud is XXXX If someone could please contact me back at XXXX or XXXX ( c ) it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Approached the company several times and was told I would have to pay additional money towards the principal in addition to the regular payment if I wanted more to go towards paying the loan off. Of {$650.00} they credit only {$26.00} a payment to the principal. In other words I will never pay them off. OneMain Financial is the company. They hold my vehicle title also. 
They use an interest bearing account as ploy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Dear Sir / Madam I recently obtained a copy of my credit report from XX/XX/XXXX It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

US BANK CONSOLIDATED All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Personal statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2016-12-15
Company: Auto Trakk, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I contacted AutoTrakk LLC about an account being reported on my Credit File. The direct dispute was received on XXXX XXXX, 2016. On XXXX XXXX, 2016 AutoTrakk responded with a very vague reply stating that the file was verified by them, which is not adequate information for the direct dispute to be considered responded and verified. There was no supporting documentation and the dispute, as far as I am concerned was not resolved by the lack of information provided by the firm. As a result, I am more than sure that the account must be removed from my credit file and the company must cease collection attempts. In addition, when AutoTrakk initiated the repossession process, they did not follow NC state laws and send notification of intent to sale along with the location and other pertinent information about the sale of the vehicle along with deficiency information. Which makes the deficiency balance void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
In my previous complaint, I wrote that I disputed online with Experian on XX/XX/18. 
I had uploaded all my documentation and sent it on its merry way. I logged into my experain account today and tried to check on the status of this dispute. It was not showing. 
I than called Experian and they said that they have nothing from me from XX/XX/18. This is a XXXX! I know that it was upload and submitted, and now it is not there. XXXX said that it was a re dispute of another dispute and said that they will not dispute again. Well if she knew if was a re dispute than that proves that my dispute on XX/XX/18 was uploaded and she just blew Experian out of the water. I was not trying to dispute with the company again. I was asking for follow suit to the other credit bureaus and to remove this item from my Experian report. I sent in documentation to you, and Experian that XXXX  and XXXX deleted off credit reports. I was also told that Experian does do follow suits, but again that was a lie and I know this for a fact because they have done it for me 2 times in the last few months. 
Experian is a bunch of XXXX and they are not doing their job correctlty and lie about all sorts of things that are untrue.

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 2020-03-18
Company: Experian Information Solutions 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:
Not my accounts reporting

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 2022-03-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian 's online credit-freeze site does not work. I don't want the paid plan. I'm trying to freeze my bureau for free. XXXX and XXXX let consumer freeze their bureaus for free. Experian wants you to pay for the service. There is no customer service phone number or email address. Experian is by far the worst bureau for consumers. The only available method I can find is to mail them my personal information. They won't let you freeze your bureau online unless you use a paid service.

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 2016-06-16
Company: Prince Parker & Associates
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Prince Parker and Associates has been repeatedly calling me to collect a debt they allege is from XXXX XXXX XXXX. When pressed, they say they received the " file '' from XXXX XXXX XXXX in XXXX XXXX for a debt from XXXX! I am not an XXXX XXXX XXXX customer, but I was, and I was until later than XXXX. Any bill from XXXX should have come to my attention in XXXX, and at the very least I should have been informed when I discontinued service with XXXX XXXX XXXX, around XXXX or XXXX, I think. When asked why the first notice of this debt comes from a questionable collection agency 10 years post alleged debt -- they say " call XXXX XXXX XXXX. '' I therefore believe the debt is pure fiction, and that the collection efforts are a fraudulent attempt at nuisance money. Plus, XXXX XXXX XXXX should not be allowed to sell whatever spurious information they have that allows companies like Prince Parker to " defend '' their actions in pinning debt on people completely unconnected to the original debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: TN
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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person

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 2015-05-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My name is XXXX XXXX. When I purchased my rental house, it was suggested that I should open an account with Wells Fargo. Not only did I open a checking and savings, I also opened an account for my children. When my son turned XXXX years old, he was told to convert his account to adult. While away in college, my son went to XXXX, Wells Fargo to do what needs to be done ( close the kids and open an adult checking account ). Since he did n't have his social security card with him, his new account was put on a temporary status. He was given a day to bring his social security which he neglected to do. I told XXXX of the Wells Fargo representative to close his account because at that time I could n't open my safe where I out his social security card. Last month, I received an email from Wells Fargo stating a bill pay was suspended due to lack of funds. I called Wells Fargo to inquire about the email I received. When I gave my debit card number, I was asked more authentication making sure it was me. After being on the phone for over 10 minutes, the represent informed me that the debit card I gave to him was n't valid because my personal checking account is closed. I asked them who closed it, but that 's when I realized that they are supposedly closing my son 's checking account. I asked him if my son 's account is open and he informed me that his account is still open. Wells Fargo made a mistake of closing my account instead of my son. He then procee to tell asked me if I wanted to reopen my checking account. I told him " yes. '' He transferred me to another department. After giving my information for the new checking account, I was told that they could n't open it for me and that I will be getting a letter in the mail. Few days later, I received their letter with the reason why they could n't open a checking account for me. Basically, they could n't open a checking account for me because of my history and credits. 
First, they made the MISTAKE of closing my account instead of my son. Second, I DO N'T recall having NSF on my checking history. Third, my mortgage with Wells Fargo is in good standing. I do n't keep a large amount in my Wells Fargo account because our primary account is with XXXX. When they found out that they closed the wrong account, I never received any apology for their mistakes. 
Your response are greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
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: Account information incorrect

Complaint:
XXXX XXXX Balance Owed : {$1800.00} This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXX XXXX Balance Owed : {$2800.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance Owed : {$1000.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX Balance Owed : {$160.00} Reporting unknown which means it's incomplete, please delete this 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 2016-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We made arrangements to pay the account current and I was told by the agent XXXX that we were not late in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX and because we had filed a grievance before with the CFPB they have retaliated against me and not only said we owed for XX/XX/XXXX but also show late for XX/XX/XXXX on my credit as well and wont remove it. They keep saying its not late and it doesnt show late in their computer but on my credit report it does.

Company response to consumer: Closed with non-monetary relief