BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We used to have a Suntrust account, and since the transition to Truist completed, Truist has been adding in fees, with no notice. This feels even worse because for MONTHS there were marketing contacts, including messaging on the website opening page, about how nothing was changing with your accounts except that you had to go to a new website to access them. 
First, they added a monthly maintenance fee to a checking account that had always been free. Along with that, they changed the requirements for waiving the fee -- upping them of course, to the point where they are not within reach for a retired person.

They also switched a " money market '' account to a checking account ( without providing any checks -- or notice or even acknowledgment ), with an even lower interest rate attached. 
Now, they've added a fee for every time we transfer money to another account via the website. 
I have not even called in to Truist about these transfer fees, because the result of calling in about the addition of monthly fees ( with no notice ) was so frustrating in ineffective. Furthermore, when I call the XXXX number, they told me to call the branch. The branch told me to call the XXXX number. In fact, calling the branch nearest us, where we go for in person service, just automatically sends you to the XXXX number -- no one answers at the local number we dialed. We ended up calling around to other local branches until someone answered somewhere -- and then told us to call " our '' branch, and the XXXX number. Back on the XXXX number a representative agreed to refund one month 's fee on the account, but advised they are only allowed to do that one time per 12 months, and that they could not eliminate the fee on the account, nevermind that the account ( which we've had for probably more than 10 years ) had never had a fee and Truist never advised one would be added. In fact, if I hadn't gone on the website to check something else about the account, on the exact day the fee posted, I might not have known about it until more than one month 's fee had been charged.

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 2016-08-18
Company: Finance System of Richmond, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX in XXXX Indiana have been treating my health issues for a few years. All XXXX of the above mentioned have different billing departments but all sends their outstanding or unpaid consumer bills to Finance System INC. a collection company in XXXX Indiana. 

I made arrangements with Finance Systems Inc. to pay bi-weekly payments of {$230.00} to ensure the collections remained off my credit report until i paid the amount in full. 

Finance Systems Inc. continues to place notations and remarks on my credit report stating that I am not paying as agreed. They sent data to the Credit reporting agency on XX/XX/XXXX that I defaulted on an {$86.00} doctor bill after paying my bi-weekly payment of {$230.00}. 

Finance Systems Inc. took me to court XX/XX/XXXX for a {$250.00} bill that ended up costing me {$900.00} to pay their attorney fees. 

I borrowed money from my XXXX account to pay XXXX different doctors bills that Finance Systems Inc. placed on my credit report and refuses to remove from my credit after i paid them. 

Finance Systems continues to discuss this matter and payment arrangements with my wife without my consent or knowledge. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX billing department is not sending proper notification informing me of services performed and sending the bill directly to Finance Systems Inc to collect the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
Right now I am facing a financial hardship in my household. I am currently running behind on my credit card payment with Capital One. As I am looking at my statements today, I noticed I am being charged finances charges, late fees, and XXXX monthly member fee. I understand the finances charges and the late fees, but why the XXXX monthly member fee, and I would need to go back through all my statements to see how long I have been being charged for this fee. I have had the card for while now and do n't remember ever being notified that I would be charged a {$3.00} member fee when I took out the card, and if it is in the contract I feel that fee was not properly disclosed to me. I would like there to be validation of debt of where I agreed to this {$3.00} member fee or where they properly disclosed this fee when I took out the credit card. It makes me wonder how many other consumers are being charged this fee unaware they are paying for it. If this fee was not properly disclosed, I guess my next step would be to seek legal advice to see if I have suit for damages. I would just prefer to have this account closed out, and work out some type of hardship repayment plan minus all the fees to get this account paid off instead of being in the trap of just paying fees and not paying down the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
System and Services Technologies ( SST ) a company of NCO has violated again Fair Collection Practices Act and refuses to provide me with the information I have been requesting from them and acknowledging my dispute of charges. They have already been fined by the FTC and states for such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX Account # 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 an account without my written instructions.

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 2022-06-03
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NEVER CONTRACTED THIS DEBT. NEVER RECEIVED SERVICES FROM XXXX. WAS OUT OF THE STATE OF GA WORKING ON AN ASSIGNMENT DURING SAID TIME. NEVER RECEIVED ANY VALIDATION FROM THE COLLECTOR DESPITE THEIR CLAIM THAT VALIDATION WAS SENT.

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 2021-01-01
Company: Aspen Yo LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am current with my mortgage account. However, I receive a notice from the county that my taxes were not paid and they intend to issue a Tax FIFA on my home. I contacted my mortgage company concerning the unpaid taxes and fax them a copy of the county tax notice but received no feedback on what they were going to do to rectify the matter. I called and faxed on XX/XX/XXXX, again on XX/XX/XXXX and XXXX. My taxes was due XX/XX/XXXX. I was given the run around for two weeks and still no decision was made to paid my taxes. I ended up having to pay the taxes due to prevent the issuing of the Tax FIFA. My mortgage company took my money to escrow my taxes and insurance ; and they failed to pay my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called citi bank because there was a lot of bank fees making my account overdraft by XXXX I explained to the representative that I had been affected by covid and if there was someone I can speak to about being able to remove these charges the person that I was transferred to as I was explaining myself Stating my situation said to me NO YOU DONT WHEN I SAID I UNDERSTAND THAT when I asked to speak to his manager because he was basically saying I was lying he said theres no manager for you to speak to I said can I please have your name I dont like the way you are speaking to me He said no and hung up on me

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 2021-01-01
Company: LTD Financial Services, L.P.
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The XXXXXX/XX/XXXX XXXX, falsely advertised their apartments. I was pregnant and had a baby XX/XX/XXXX The apartment had mold, nobody cleaned ( roommates ) and the washer and dryer did not work. Its my fault that i did not take pictures to document but i feel like i shouldnt have to pay for this due to the stability of the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
First of all, we hav e US B ank for our mortgages since  XXXX . No problems in the beginning, until my husband was diagnosed with  XXXX   XXXX  in  XXXX , he had  XXXX   XXXX  treatments then had  XXXX , with the hospital bills and the insurance deductibles we have been trying to work wit h US Bank since then to the present to get a loan modification and they send us the financial papers to fill ou t and we done that many times and we 'll fax it back and they will say that they did n't receive them. I know that they did cause I got a confirmation message that they did. I am so tired of their lies. We have had many Assistance mortgage managers, I ca n't begin to tell you how many. At that bank they do n't know what the right or the left hand is doing.

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 2017-06-12
Company: EQUIFAX, INC.
State: MN
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   XXXX   account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  Equifax,  XXXX   or  XXXX   XXXX  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
LVNV I DO NOT OWE THEM ANYTHING PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Foris DAX, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX Crypto.com sent me an email stating that they were closing my account within the next 30 days ( attaching for reference ). I was told I had 30 days to get all of my funds out of Crypto.com. I was able drain the balance on the debit card ; however, I ran into issues with the XXXX balance I had of XXXX. 

I attempted to sell my balance of XXXX XXXX  on XX/XX/XXXX ( attaching for reference ). I tried 4 times and each time the sell failed. I contacted support and asked them and they told me that my ability to sell had been XXXX and that I needed to transfer out to an external wallet ( attaching chat for reference ). The only other place where I have Crypto is XXXX so I checked XXXX  and see that they are able to receive XXXX so I copied the wallet address and used this address to send the XXXX  to. Keep in mind, that I had absolutely no desire to transfer the XXXX All I wanted to do was sell my position since I was being closed by Crypto.com. I put in the transfer on XX/XX/XXXX. 

On XXXX as it had been 2 days and I hadn't seen my funds I contacted crypto.com. They told me it had been delivered. I contacted XXXX  and they said they hadn't received it yet. XXXX then informed me the method that crypto.com used to send was invalid that they don't have the infrastructure in place to receive those funds so I would need to contact Crypto.com ( XXXX ) to recover. I contacted Crypto.com on XXXX and XXXX, escalated multiple support chats to management and they told me they can't provide any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit Systems PARKED a bill that I paid XXXX in full per settlement agreement amount XX/XX/2020, on all 3 credit bureaus. I have reported to your department as well as FTC with the transaction from my bank account. However, I was unjustly served. So today XXXX, Im going to provide I did pay this bill in full with the statement letter enclosed with paid in full terms and the confirmation number. I demand my rights to correct Credit reports be upheld. Please have this item removed immediately from my all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In regard to my previous CFPB complaint XXXX beginning with acct # XXXX, I exercised my God given right to cease all communication about this alleged debt. I am refusing to pay this alleged debt ( see attachment ). You stated that the account was secured with collateral using saving from my Credit Builder account. I am aware that federal reserve notes are the United States form of currency but it is not money. And legally you can not pay debt with debt notes. According to HJR 192 of 1933 this act removed the ability to of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt. I am going to need all payments returned in a check or money order to my place of abode immediately. If not you will be violating 15 U.S. Code 1692h. You stated that statements were uploaded to the account. Statement does not clarify this billing error. A validation of debt is requested and I will need this within 5 days of this complaint. ( See Attached ). You stated in the response that I need to contact the credit agencies directly for their specific reporting guidelines and that the information has been reported correctly and can not removed from my credit report. I am aware that a financial institution may not disclose non public information to non affiliated third-parties. Also since I was never given an option to opt out of such reporting this is my written consent to opt of credit reporting for account beginning with XXXX. Also I never gave consent of reporting this alleged debt, which is known as debt parking. If my instructions to opt out of credit reporting for this account can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15. U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15. U.S. Code 6823 ( a ) to fines under title 18 U.S. Code 3751 with fines up to 500,000 for a felony by an organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: EQUIFAX, INC.
State: AZ
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 sent out a round of disputes a while back with zero response from the bureaus, did they even process them? I am seeking a resolution on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent out a round of disputes a while back with zero response from the bureaus, did they even process them? I am seeking a resolution on my credit.

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 2017-03-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have reviewd my credit report and I see a auto loan account that I have been disputing for a while now, I have not received any respond from requesting validation and verification of the account under law section of the credit fair act they have not comply with requests

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 2022-10-17
Company: CONTINENTAL MORTGAGE BANKERS
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Company = Continental Mortgage Bankers INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried very had to lock the rate in XX/XX/2022 XXXX week when the rate was XXXX XXXX, however the Loan XXXX XXXX XXXX at Financial Equities XXXX was unreachable and never provided clarity. 
When the close was scheduled on XX/XX/2022, he offered XXXX XXXX rate with some buy down points. And claimed that this is the best, no explanation. Again unreachable, he used to fwd phone msgs, wothout direct talking or clarification. 

Hence, I was sold a loan with interest rate XXXX XXXX higher what I could have got, when I wanted to XXXX. At the closing day, the closing attorney of bank made me sign back-dated ( XX/XX/2022 ) document I was made to sign at closing XX/XX/2022. This document states that rate is yet to be determined. On questioning this issue, at closing, XXXX XXXX was not available nor his office. Closing Attorney representing the Bank said he can not do anything here. 
So only choice for me was to sign the back-dated old document or NOT close. 

XXXX XXXX at Financial Equities, gives big promises in the loan application process, however once the process starts and time comes to lock rate and closing arrives, he would be not reachable via phone/email. He will provide a high interest rate and obligate to buy down discount points. Will not entertain market fluctuation of change, previously promised. Mandates to sign back dated document at closing or can not close. There is no alternate manager or contact at Financial Equities who can help. No one at closing department or any departments at Financial Equities will respond, unless they need documents from the applicant. In any case the loan will be sold to a large bank or financial institution before 1st loan payment. 

XXXX XXXX also made excuses of unavailability with no alternate contacts by saiying XXXX XXXX XXXX, when the office/underwritter/loan-assistants was unaware of such an issue. He makes some imposer call from unidentified number called XXXX XXXX who just tries to talk non-sense and justifies the wrong doings during the process. 

This feels like harrassment. 

Horrible experience, waste of Time and efforts, very stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$2200.00} into my account at Wells Fargo, in person, inside the branch in XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, on Wednesday afternoon, XX/XX/XXXX, the money left my husbands account on Thursday XX/XX/XXXX, but still has not been deposited into my account and however, WF claims that there were not sufficient funds in my husbands account ( even though the money was already taken out of his account ), and WF refuses to deposit it into my account. This is called stealing. WHERE IS THE MOENY? WHERE ARE THE {$2200.00}? 
Wells Fargo Claims the funds will be made availabel around XX/XX/XXXX - hence : they are admitting that they DO have the moenY! 
Otherwise how can they confirm that they will release the funds on the XXXX when they claim they have not received the money? This is controversial. 
They are lying and giving us false information and withholding our money that we need TO PAY RENT TODAY. 
What are they doing with our money for 12 days? 

RELEASE OUR MONEY IMMEDIATELY! 
You want to be responsible for us being homeless? You steal our money and don't let us pay our bills with our hard earned money? What kind of bank are you not letting us use our own money? 
RELEASE IMMEDIATELY - NO LATER THAN XX/XX/XXXX by 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