BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-21
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We had a contract for the sale of our home from a XXXX who had a letter of pre-qualification for {$650000.00} from SunTrust Bank. The buyer complied with all the requirements were given successful progress reports from the Loan Officer and as per the XXXX XXXX, 2015, purchase agreement surveys were done, inspections were done, small termite was fixed and home tented as per the contract requirement, we moved out and sold our furniture and today, the day before the closing, the Loan Officer at Sun Trust bank called the buyer and notified him that they were soon sending a letter of denial which can not possibly arrive before the closing date on the contract. The buyer was told at the end of last week that the loan officer was schedule to speak to the Chief Underwriter on Wednesday the XXXX to get his approval for approving the loan, but that the bank had added a new condition ( a week before the closing ) that the buyer had to sell his home before the closing to get the loan approved. The buyer was told it was a new rule that the bank had just put in place. A bank loan officer regularly dealing with real estate gives the buyer one week to sell a {$300000.00} plus property. Toda, Thursday the XXXX I received a text from the buyer that the bank Loan Officer told him that he will be sending a denial letter. In the mean time we as sellers had to leave our property for termite tenting required by Sun Trusts before closing ( which killed all the landscaping in the flower planters and makes it impossible to present for sale efforts ), moved out contents, sold our furniture, and the bank seems to bear no liability for disrupting XXXX families, particularly the seller who now has an empty home very hard to present as it is empty and with not furniture or decorations. Are there no regulations on the timing that a bank has to notify the parties officially when a loan is being denied and for what reason and do so timely to allow buyer to resolve the issue and the buyer not to proceed as though the process has no problems that will prevent a closing? If that is the case, it is time for more regulations and not less.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2018-04-05
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2018 a company requested my SSN for credit check. I refused and did not provide my SSN. The inquiry appeared on my credit report regardless and I disputed it with Equifax. I checked today the status of the investigation and it says completed however I was not notified of the result and the inquiry is still not removed Investigation reference is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Dovenmuehle Mortgage, Inc.
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I refinanced my mortgage with Deven Muehle in XXXX, XXXX. I had homeowner 's insurance added in with the mortgage payment. In XXXX, the insurance lapsed but I reinstated it with another insurance company in XXXX. 

Doven Muehle put hazard insurance coverage on the loan of {$75.00} monthly and have not removed it yet although I bought a new homeowner 's policy in XXXX and they were informed by my insurance agent at that time and I have written them twice in the last few months asking for a refund of the $ XXXX charged on the loan since XX/XX/XXXX. 

I have not heard anything from them about the insurance money that was due back to me since XXXX even though the insurance company and myself have both sent them copies of the current insurance coverage. 

Thank you in advance for getting my money back. Senseless to pay for two insurances on one loan!! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was laid off by my employer in XXXX 2016 and filed for unemployment. In XXXX and XXXX 2016, I attempted to request a recalculation of my Income Based Repayment plan because my income had changed. Both requests were denied because I had checked the wrong checkbox on the form ; I still paid the bill amounts in full to show good faith and to remain in good standing. In XXXX when I was denied a second time I called the fedloan call center to request assistance with filling out the paperwork -- the operator at that time instead only outlined employment deferment as my sole option to remain in good standing with my student loans ; when I specifically explained that I no longer had income and needed my monthly payment recalculated, I could not get the information I needed to have my income-based repayments reconsidered. 
The 3rd attempt, filed online on XXXX XXXX, 2016, was processed on XXXX XXXX, 2016 at the central processing center. However, because my monthly payments are due on the XXXX of each month, I am still receiving requests and notifications that my XXXX payment is past due. I called the fedloan call center today to further request relief from the XXXX payment, but was told that my only options were to pay the bill or to go into forbearance. I explained to the operator that I had multiple attempts to make the request, but she bluntly explained that forbearance or full payment were my only options. 
My understanding of the income based repayment plan is that it allows for reconsideration of monthly payments based on someone 's income. My understanding is also that when someone fills out the online form ( as I did on XXXX ), the current balance is temporarily suspended until the request is processed. 
I believe that my request is being handled in an unfairly strict way. I filled out the online form before my bill was due on the XXXX, and I can also prove that I was laid off in XXXX and spent precious cash resources trying to stay current on my account even as I was requesting assistance from the operators because the paperwork was confusing to me, and therefore incorrectly filled out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
This is in addendum to the other complaint on file. I have asked over and over for a copy of the mpn on said private loan. I finally received it after two weeks. When I received it -- the signature page was so smudged-all important portions were blocked out so i ca n't tell the signatures or phone numbers. I was referred to a bank that supposedly had the loan and they found no records. also, the school that was tied to the loan ( XXXX ) is on the mpn as being XX/XX/XXXX and on the aes website it reflects XX/XX/XXXX. I am getting so tired of these numerous factors which my be incorrect or fraudelent. Pay history does n't match -- all banks or companies do n't have any information to reflect i owe this debt. what gives?????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: National Enterprise Systems, Inc.
State: NE
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Collection companies buy and sell a student loan debt that is not valid debt of mine. I have written each company that has serviced said debt to explain that this is NOT a valid debt and the collection company either sells the debt to another company or has another collection company service the invalid debt. The latest debt collector is XXXX XXXX XXXX, XXXX of XXXX, TN XXXX XXXX XXXX XXXX. This aforementioned company continues collection efforts after written and verbal notification of invalid debt and solicitation at a work phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: MS
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:
The credit bureaus are reporting an inaccurate information on my credit report. Those inaccurate information affects my job and livelihood. I sent them letters to investigate properly but kept on receiving inaccurate report. I always pay on time and was never late on all my payment dues. Below are the accounts that affects my credit score : XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2018-06-29
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
TD Bank has harmed my credit after failing to inform me on account delinquencies on a pair of co-signed loans ( *details in TDdispute_letter attachment ). This has recently restricted my ability to apply for a mortgage, and will continue to impair my borrowing and employment opportunities as the accounts are currently set to remain on my credit for 5+ years. 

Even after promptly paying back the balances with interest, identifying the TD Bank errors that prevented notification, having a branch manager advocate on my behalf, and disputing the credit deficiencies with all 3 credit bureaus, TD Bank has not taken corrective action to remove negative information from my credit report ( *see dispute results in attachments Equifax , Transunion , and Experian ). As my actions and credit history clearly attest, I would never had allowed these delinquencies if I had any notification. 

In addition, failure to inform me of delinquency on 1 account ( XXXX ) concealed untrustworthy behavior of a babysitter working for my wife and me. The babysitter would later go on to make {$1000.00} of fraudulent charges on my credit card and steal cash from our home ( *see attachment PoliceReport1,2 ). 

What is worse, after this theft in XX/XX/XXXX, I inquired about the accounts in the XXXX XXXX XXXX TD Bank branch where the loans were made, and again I was not informed of the delinquencies. I was told only that the accounts were closed. 

When I finally discovered the delinquencies through a credit check for a mortgage in XX/XX/XXXX, I satisfied the balances within 1 day ( *see attachment TDPayoff_proof ). One of the co-signers had neglected a final payment that was not automatically withdrawn. He paid immediately when I called him. The other was with the babysitter who stole from us, and this one I paid off myself for {$4300.00}. 

At this time I discovered that TD Bank had recorded an incorrect address and birth date for me at the origination of the first loan and had not verified any of this for the second loan ( *see attachment TD Contact Info ). Instead of taking the address from my drivers license or from any application I would  have filled out, TD Bank recorded my address as the same as the first co-borrower. I have never lived in that town or with the co-borrower. The incorrect birth date on record is also inexplicable. TD Bank has not provided me a copy of the loan applications for either loan or offered any explanation of these clear origination errors. 

XXXX XXXX, the TD Bank branch manager at XXXX XXXX location in XXXX helped me process payments. Seeing the errors in my account information, he filed a Consumer Credit Report Dispute Form ( *attachement TDdispute_letter ) on my behalf. This has apparently not had any effect on repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a medical bill that was assumed by myself in the amount of {$420.00} that was paid in full. I disputed the claim after the creditor agreed that I would pay the amount to delete from my credit report. After waiting 60 days, I contacted the bureaus ( XXXX, Transunion, XXXX ) again. The reason am I now filing a complaint is they have notated my account falsely and severely hurting my chances of obtaining new credit. 

They have put remarks into my account that I have received " Personal Receivership - Repayment by Court Trustee '' in paying this debt. NOT TRUE. I have NEVER even been to court, let along filed bankruptcy. I have no record of any other collection except for this account amounting in {$420.00} that I paid and submitted receipt for from my XXXX card. 

When I bought my vehicle 2 months ago, they came back to me about a bankruptcy!!! I was appalled! I have called the bureau several times, and disputed this account 4 times now. I will be obtaining a lawyer and moving forward with this, as this is hurting my livelihood. I have worked hard to earn the credit that I have, and now this is slamming me and my integrity into the ground. I have attached receipt to original debt that I paid with my XXXX card.

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 2015-04-10
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Someone stole my money out of my checking account I did not authorize anyone to a control money from my account I filed a fraud claim immediately upon finding my funds work on SunTrust has denied my claim and now I have to file a rebuttal to have made me wait two weeks of no funds taken my sons XXXX check and my entire account plus fees over {$4000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is an Illegitimate Debt, incorrect and false report on my credit file.

XX/XX/XXXX send letter requesting more info about their report and the investigation.

XX/XX/XXXX re-resent previous letter, due to a non response XX/XX/XXXX sent a new letter requesting investigate and send me the results ( response received XX/XX/XXXX ; but, failed to give consumer required notices and disclosures under the FDCPA. Response was unethical and disrespectful ) XX/XX/XXXX send letter notifying that, they failed to investigate their entry ; provide consumer info, and disclosure of documents, and that after more than 30 days constitute to promptly drop this info according to Section 611 ( a ). ( Response on XX/XX/XXXX, stating they have reviewed the dispute and verified and it is accurate. Fail to provide me with the information, documents, disclosures ) As of now, I don't know this alledge debt to whom belongs, when was opened, what was it, where was opened, as per request on my correspondence.

Attached Letters Attached Report from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I correct name XXXX XXXX XXXX on Equifax fraud alert report. 
My correct name is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made several payments for XX/XX/XXXX. My XX/XX/XXXXpayment ( that technically wasn't even due ) was paid ahead of due date and I decided to make 2 more extra payments. 
Since I couldn't make comments for online payments ... I sent one of the payments by mail along with a note. I specifically asked them to apply the payment directly to the Principal and not charge any finance charges. They charged me anyway. 
When I called ... they tried to tell me its all 'spelled out in the loan ' and that 'the earlier I make payments the less finance charges I had to pay '. ( So how come 4 extra payments in a month all had finance charges? ) I explained to him about the extra payments along with my letter that I had sent..and he told me again that its 'all spelled out in the loan '. 

He basically couldn't explain to me why I was charged .... 

Also ... looking through past payments and charges ... their 'daily ' finance fees are all over the board and make no sense at all.

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 2018-05-21
Company: C & M Associates Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The are trying to collect old very old debt from a family member i do not live with. I tell them to stop calling and they say I've never told them to stop calling And they become rude and abusive. The company is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: FL
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 XXXX of 2020 I sent my first dispute letter to Experian to dispute two fraudulent accounts that are on my consumer credit report. After sending three more dispute letters in the months of XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian has yet to furnish copies of an original signed consumer credit card application with my signature. This is a violation of the Fair Credit Reporting Act which I have notified Experian that this company is in violation of Section 609 ( a ) ( 1 ) ( A ) states, '' the credit reporting agency is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a consumer 's credit report ''. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I am asking that the Consumer Financial Protection Bureau intervene on my behalf to have these two fraudulent accounts removed from my consumer credit report as soon as possible.

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 2018-05-21
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our condo ( purchased in XX/XX/XXXX ) has had two tax bills due since the loan origination date. We have paid both tax bills ourselves since no tax payment was issued by Suntrust in XXXX to the District of Columbia tax authority. 

We made the first property tax payment ourselves in XX/XX/XXXX, after realizing Suntrust had failed to make that payment. Due to the payment being made late, we paid a penalty. However, a payment of {$2600.00} is indicated as being paid in our escrow statement in XX/XX/XXXX, and that amount was deducted from our escrow balance. A review of our condo 's real property tax payments in the DC tax database confirms that no payment of {$2600.00} was paid by Suntrust, nor was a tax amount that high due to the city. It appears that Suntrust made payment on the incorrect parcel. If you search our address, except use the " XXXX '' block modifier, you can see a payment of {$2600.00} applied on the date in question. We notified Suntrust of our complaint on XX/XX/XXXX. We were promised a resolution in ten calendar days. After that time, no follow up occurred. I made multiple phone calls seeking resolution and have consistently been told someone will call me tomorrow or the next day. No calls have been received to date, except the initial confirmation call on XX/XX/XXXX. WE submitted a Qualified Request on XX/XX/XXXX and have not received a response or confirmation of receipt. 

We are currently owed {$3600.00} by Suntrust This total is comprised of the false {$2600.00} charge allegedly submitted to the DC property tax authority in XX/XX/XXXX, which was clearly never paid pursuant to publicly available records, the {$130.00} in interest and penalty that we paid due to Suntrust 's failure to pay our second half XXXX tax bill, and the duplicate {$850.00} payment made in XX/XX/XXXX. 

This is just one of a long line of problems we have had throughout the lending process.

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 2017-02-22
Company: Capital Accounts, LLC
State: VA
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:
There is no longer a contract for this debt and it was paid. I do not owe this debt. I did not receive a notice to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Sold my home and the buyers bank mailed a check on the XXXX to Bank of America and it was received by BOA on XX/XX/20. During the course of my home selling BOA changed the account number do to a system upgrade and they can not provide me any info on the status of my loan being paid off. The other bank shows the check cleared the bank on the XXXX of XXXX but BOA can not give me any info. To date I have contacted them twice via phone ( 4.5 hours on hold ) and once via email with no response or as much as a yes we have your check. Very rude customer service agents keep putting me back into the phone Que. My BOA account number was XXXX but they changed it for some reason during the system upgrade to XXXX. Payment sent was {$44000.00}.

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 monetary relief