BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a folllow up to a previous complaint that was closed after the mortgage company responded. That complaint number is XXXX. Truist said that were reworking the escrow after sending me a new mortgage payment of {$1900.00}. XXXX XXXX told me on XX/XX/2022 that was being reworked by the escrow manager and to continue to pay my {$1800.00} and to continue to hold my XXXX escrow payment. It has been one month and despite numerous attempts to contact XXXX XXXX for an update, I have received no response. Meanwhile, I continue to get notices to " assist with my late payments ''. I am paying less that the current amount shows per his direction. This can only be causing more problems. Again, there is no full resolution to this problem and the company continues to fail in communication. I would like to know what options I have. Can I hire my own forensic accountant to fix their problem? Can I hire an attorney? I just want this resolved and would love for Truist to answer to their issues. Not only for me but the countless other complaints I am reading from other Truist customers.

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 2021-01-09
Company: Syncapay, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This company is supposed to give me access to my funds from a different company through a prepaid gift card but this company is not allowing me to access my funds. The gift card is supposed to be through " XXXX '' which they own and operate. 
They are citing that the gift card " expired '' but I have never been able to access any of my funds even before the supposed " expiration '' that they are claiming my gift card has. Furthermore, according to the FDIC it is illegal for gift cards to have expirations before 5 years, which I am not even close to reaching. This company has essentially stolen my funds without giving me the opportunity to ever access them. I have tried reaching out to them but they just give automated responses leading me back to their website which has no information or way to contact an employee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Transunion verifies the debt sure the have my ss # and address that does not mean they can report an old debt

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 2022-10-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
XX/XX/2021 the first report was filed with the CFPB with no resolution. Since then my credit. has been effected and I have. been discriminated against due to the inaccurate reports. XXXX XXXX. Actual damages have occurred related to NFCU tarnishing my reputation. They are reporting transactions and experiences to the credit bureaus where permission was not granted. This is my private information. Multiple letters, phone calls and messages have been sent to XXXX, transition XXXX and Navy Federal Credit Union. 
NAVY FEDERAL CREDIT UNION is giving false and innacurate information that is private between both parties. As. per 15 usc 1681 ( 2 ) ( a ) ( i ) exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the 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 2017-03-01
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is I contacted anyone and everyone that would listen. But Caliber homes loan employees are unable unwilling or just to disconnected with your customers. The Refi process has been one of the worst experience. My credit score was dropped because of this company inability to understand whats going on under its own roof. No fault of mine, much to the contrast I contacted several employees at Caliber warning that if they did n't get in front of reporting a late payment that in fact was not late but in fact the loan was paid off that there system is going to report and it will make my life way harder then it already is. I do n't understand how this could happen, even if I was n't calling it out before it happen but the fact that I did repeatedly is just unacceptable. 
Please contact me Thanks Thanks for getting back with XXXX I believe that XXXX is the voice to advance this into a bill. Way to many good hard working Americans get hurt every day over false reporting. Then it 's up to the victim to try and get it repaired. So even if the victim gets it removed shows all the other creditors the explanation letter from the source of this false reporting. Keeps his other creditors from raising there rates. This will still show as a dip in the credit score since it grades are based on past and present scores. Please consider this to be on the agenda for XXXX I know he can champion this, for the working class people of this great country. Many of us do n't know what to do if this happens or even knows if it happens do n't have the time or know how to try and fix it. It seems like a company such as a Bank or other leading institution should play a greater part. A simple letter of correction should not be all. The reasons we give fines is to keep people in check I believe that the thousands of silent victims will agree that its costly seemingly non-endings and take a great toll on the person physical well being. I myself have lost hair, sleep i 'm distracted at work home while driving Thank you for being our voice XXXX and Thank you for your hard work XXXX 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I contacted transunion to remove the inquiries that I had no knowledge of and the customer service representative did not help with the removal. I have sent letters to transunion, called the companies with wrong numbers that were given to me by the customer service representative from transunion and sent transunion letters for removal. 
XXXX  XXXX Miscellaneous XX/XX/XXXX TransUnion REGIONAL XXXX Bank XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion TRANS UNION Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion

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 2017-02-06
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received no communication from this organization. In accordance with FDCPA I should have had the opportunity to dispute. Was not give that chance debt just appeared on my credit report as collections.

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 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft 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 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom this may concern, This company charged my credit card multiple late fees though my card was always paid before the due date. I was charged a late fee during three separate months. If you review the account, payments were made between the due dates ( 2nd of every month ), and even multiple payments were made at times, but still charged. After calling ( FYI, they have no live option or messaging services to assist. ), I continue to be told that nothing can be done. I have proof, even from Capital One, that my payments were before my due dates yet they still would not refund my fees. 

Since around XXXX, I also reached out to the BBB but to no avail. I have stopped paying my two credit cards in hopes that someone will assist with the unjust fees, yet they have not cared to reach out until recently. I was provided with " New Settlement Offer '' emails yet when I called XX/XX/XXXX it wasn't an option. 

On XX/XX/XXXX I called to get a total of all late fees and interest on the cards and pay off both accounts but was only able to settle the XXXX account. I called on XX/XX/XXXX to speak to a different department about the XXXX card for the same results, yet they could not use my Capital One 360 account for payment, so it remains unsettled. I also have been hit with well over a XXXX point dip in my XXXX XXXX and now the threat of collections. 

I do not have access to all statements at this time ( Capital One has blocked access ) but to date this is the closest estimate of unjust charges : XXXX card : Total late fees : {$220.00} / total interest ( from XX/XX/XXXX - XX/XX/XXXX ) $ XXXX Savor card : Total late fees : {$100.00} / total interest ( from XX/XX/XXXX - XX/XX/XXXX ) {$230.00} Grand Total ( rounding ) : {$610.00} FYI Grand total at the time of my initial request was around {$80.00} ( this was before my 3rd unknown late fee of XX/XX/XXXX ). 

I can attach documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted a few different disputes to Equifax. They have not been able to accurately portray the information on my credit report. They do not have the proper credit limit for most of my cards. They are months out of date. In one instance, they deleted my credit card instead of accurately reporting the balance. Also. my husband has added me to some of his credit card accounts and they have not yet added this to my credit score/report. I have also had a medical debt collection paid and agreed to be deleted from the Equifax report. I have tried and tried to fix it, I have tried with the lending companies and with the credit bureau. This is hurting my finances and my credit health because they are not accurately reporting, it makes my usage percent look higher and my credit limits look lower and it makes my credit age look younger than it is. This in turn effects my score and my score effects my interest rates and amounts I can borrow. This is a vicious cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: MI
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 writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Billing statement

Complaint:
Unable to access online bank account, check balance, and make payments with Synchrony Bank -- Amazon 's Store Card provider. Refused to issue new password. So I could not check account online. They provided me with a new password once I threatened to file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in a Loss Mitigation or forbearance process since XXXX. Flagstar sent me a contract that I approved, notarized and sent in payment. They cancelled the contract without me knowing it. I have been unable to come out of XXXX Forbearance successfully and have my loan modified. They tell me something different everyday.

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 2021-01-09
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. I HAVE TO DATE RECIEVED NO PROOF THAT I OWE SAID COMPANY ANY DEBT. ITS HAS NOW BEEN OVER 30DAYS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo acting as the Servicer of this Mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclose on our personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of XXXX law is based on Wells Fargo improperly and unfairly reviewing our loan modification request for relief. We have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Wells Fargo has repeatedly denied us help several times we never get a single person to answer our questions honestly or directly. They always have hundreds of people pass off our file amongst each other just to create motions and delays. We intend to keep our and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. Wells Fargo Mortgage illegally commenced and is conducting a foreclosure while reviewing and attempting to find work out relief options for us. They have mishandled documents and our file several times and failed to properly communicate with us. They have clearly violated XXXX specifically under the ''dual tracking '' clause. Wells Fargo instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. The Wells Fargo and Know Your Options website gave the result that we are eligible for a loan modification with a lower payment to save our property. So there is no reason why Wells Fargo should have denied our request or started foreclosure on our home.

Company public response: Company 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: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to modify our loan after our hardship and have submitted documents to the america 's Servicing bank several time for several years and the bank never sent a resolution to our request. I was told by the services that our loan was in review the last time in 2011 but We never received a denial letter or a request for more documentation. Despite that, we have continue to contact the bank and sent modification packages with no response. We found out today that our house has been foreclosure back to America 's Servicing Co. And we do n't know how to proceed. With no place to take our family and not knowing what to expect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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:
there was a {$240.00} charge to some XXXX XXXX  that i did not charge on my card. i called capital one credit card XX/XX/XXXX told them im filing a fraud charge for this {$240.00}. so they filed it and finally tdoay XX/XX/XXXX i see online they are chargng me {$25.00} late fee for this purchase. i said what is going on i filed a fraud charge o this in XX/XX/XXXX and you still are charging my carge for it and it says its credited but then you put it back on the card and charge me a {$25.00} late fee. they said they sent me a letter by mail which they did not to tell me they are not crediting me and i ask them why and they wont tell me why. so i told them if you wont fix this im reporting this to the fbcp banking commission, atty gen, XXXX. that you cant charge me for something i didnt charge on my card there is a law for this. the person i spoke to on the phone today was XXXX in the fraud dept, im not happy and i want this fraud charge to be credited and not charged to me and take off the {$25.00} late fee. as im not paying something i didnt charge. they wont do nothing about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09
Company: DISCOVER BANK
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:
i have a discover credit card which i was on time my all payments but because of when i was sick and i ask my mother to look for my bills whenever i am getting by us post mail i never received mails almost 3 months and because of change of address they report late on my report please help me to resolve im trying to buy a house its not letting me go through

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Wells Fargo checking account suddenly began charging me a $ XXXX monthly fee. I have been a WF customer for decades ( several checking accounts, investment account and IRA account ). Nothing changed on my end. The balances did not drop below any figure a WF agent was able to identify for me. No accounts were changed. The amounts in my accounts in total are substantial and certainly exceed any possible minimums. The agent said the fees would be refunded. But, could this be another fraudulent strategy on the part of WF that is widespread at {$30.00} per customer per month ( for those that do n't notice! )?

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 2023-02-02
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
CitiBank Still Uses Old Verification Method Through Mail Which Is Mind Blowing That A Bank So Large Own Real Estate Stadiums And Other Businesses, Cant Verify My Account With A Phone Number On File Thats Registered To My Name Citibank Is Fraud I Feel Like Public Records Should Be Illegal It Doesnt Help Anything But Make More Fraud Happen Anyone Could Find My Address Name Phone Numbers And Relatives I Just Think The Government Should Let Banks Have Less Regulation & Public Records Should Be Banned

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 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$370.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sent to collections and has been paid. There is no outstanding balance to report and therefore no balance to charge-off. This reporting of an account that already had gone to collections is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This false reporting of a charge-off seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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