BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-23
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loan is being serviced by FedLoan Servicing. I have timely ensured that all deferment requests were submitted on time, however FedLoan servicing has indicated that I have XXXX accounts late by more than 180 days. I have taken out only XXXX student loans Subsidized and Un-Subsidized, they have taken the account and assigned XXXX account number but listing them on my credit report as XXXX separate accounts as if I have had separate loans. This is not accurate and is impacting my consumer credit report negatively. I have made several attempts in having them correct the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I established a payment plan with American Express that was not enforced and the account was closed against my wishes and Amex failed to uphold it 's end of the bargain. I had a set date for repayment and when I contacted them, they just said the account was closed and no payments could be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: AES/PHEAA
State: IN
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 consolidated my federal student loans last year. A few years before that, my parents helped pay off of my loans. I have the documents that the loans have been paid off. I keep submitting the official paid off loan documents to Fed Loans, where I consolidated my loans with. They refuse to remove this balance, although I have proof that the loans have been paid off already. Right now, I put Fed Loan on forebearance until I can figure out how to remove this XXXX, XXXX plus balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
After reviewing my Home Equity Account that I have had with SunTrust for over ten years, I requested an audit. I have been making additional principal payments and these payments have not always been applied properly. According to my review, SunTrust has adjusted payments, and applied interest to those payments. Those payments should have been applied as principal only. According to my records, my current balance does not reflect all the principal that should have been applied to the account. 
I have called the Home Equity Department at SunTrust starting on XXXX XXXX, XXXX and have received the worst customer service responses to my request for an audit. I have made over seven calls to the department in less than 30 days. Each time being told it would two days to review, each time when I called back for a response to my inquiry, I was being asked the same question over again. " Why do I want an audit done ''. Each time not being given any additional information to my request ( which should have been completed in two days ). Each time being informed that they needed specific examples/additional information to why I am requesting an audit -- before they can do an audit. The customer service representatives were courteous. Unfortunately, the department 's responses were ineffective When I provided just one specific example/information -- - A payment of {$950.00} should have been applied as principal only but interest was taken out. When I call back on XXXX XXXX, for a resolution to this one example, I was advised by the representative that the back office advised that it went back too far, and that they made the adjustment in XXXX. I advised that no adjustment was made in XXXX, XXXX. The representative agreed that she did not see any adjustment either. 
I have been paying more than the minimum payment for more than three years -- and it is not acceptable that these payments were not applied correctly and in accordance to banking laws and regulations. 
After attempting to work with SunTrust, I am formally writing to request an audit of my entire account. 
Sincerely, XXXX 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 2016-03-31
Company: URS Holding, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a credit card account with XXXX XXXX XXXX XXXX. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( United Recovery Systems-URS ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH XXXX ( XXXX XXXX ) and URS. Despite my attempts to make payment, XXXX wo n't take a payment and refers me to URS. Furthermore, URS indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is XXXX XXXX billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is XXXX XXXX still billing me? Why is URS indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). URS has also advised that interest and late charges can still accrue, which suggests that XXXX XXXX has not passed they debt. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: SUNTRUST BANKS, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a property XX/XX/XXXX in XXXX, NC. Our mortgage was sold to SunTrust Mortgage. They accepted our flood insurance last year but this year for the renewal they will not pay the premiums out of our escrow. They stated that the insurance is not backed by National Flood Program. Our property is in a XXXX Resource Area and federal flood insurance is not available. We have asked several insurance companies, banks, homeowners association officers and no one has ever experienced this. In addition, we became aware of a NC state law ( Biggert-Waters Flood Insurance Reform Act of XX/XX/XXXX ), which basically states that our lender MUST accept the insurance we have through Sterling Surplus. Yet SunTrust still refuses to accept and pay. 
We want SunTrust Mortgage to pay the premiums out of our escrow and accept our insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22
Company: BANK OF THE WEST
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I would like to submit a complaint against Bank of the West for how they process checking account transactions. I had a debit card transaction of XXXX that was pending over a weekend my account at that time had the funds. Then on Monday an individual cashed a check that I gave them in the amount of XXXX. On Monday night there was a XXXX in my account plus a deposit I made at an atm machine in amount of XXXX but was n't until after business hours. On Tuesday the bank charges me XXXX overdraft fees they processed the check first which was the higher amount which put me at a negative balance then processed the debit transaction after that causing XXXX over draft. My complaint is the debit card was sitting on pending way before a check was even processed but yet the higher amount transaction got processed first. When I asked my bank they told me that they determine which is more important and process that first. I asked them how they determine which one is more important and I was told by bank manager that they go by the higher amount in determining which one is more important. What even give them this right to determine which is more important of a transaction and if this was the case why was n't the check cashed before all my other transactions that were pending over the weekend which were all much lower then the check amount of XXXX. I will not argue against having XXXX over draft fee but I am furious that they could arrange the order of my transactions being processed. To me what ever gets posted to your account first should be processed first not whether or not a branch manager thinks XXXX transaction is more important then another transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX has a complaint against it. This is to re-apply a complaint against XXXX in case I have failed to do it properly the first time around ( mentioning all the parties to the matter in the original letter instead of just one ). 

Negative reporting of not paying a debt which I paid to the wrong Bank of America account on their New Bank of America ( debt buyer credit account ) that belonged to another credit account supposedly that was a debt buyer as well, known as XXXX XXXX formerly Bank of America. The consumer should have been informed it did n't belong in the paid up account known as the New Bank of America, former grantor Bank of America, and sent back to her timely. Instead it was wrongly transferred to XXXX XXXX after the cut-off date and I was found to have not paid the credit account. After several credits, the debt reappeared in the automatic system as owed with fines and late payments. When I could no longer figure out what I owed, I stopped paying any debt. I phoned, Emailed, and wrote complaints to no avail. The debt buyer never tried to honor consumer rights. It has no signed agreement from me, and no documents either.

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 2015-09-22
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am getting calls from XXXX XXXX at XXXX. It is possible he is trying to reach my brother, who may or may not have debt. I do not have contact with my brother. I let XXXX XXXX calls go to voicemail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
For about the 8th time, Bank of America has purchased flood insurance on my home when I aleady have insurance. This has been going on for 10 years and it 's taking a toll on my life. Once they do it the harassment goes on and on and they do everything in their power to make it difficult and refuse to refund the money. My agent faxed the documents as instructed on XX/XX/XXXX to a special fax number I was give over the phone directly to the person who was going to make sure this was taken care of. Then today I get the notice that they have purchased the insurance again. The mortgage is in an estate and now they are claiming I do n't have it insured properly even thought it 's been the same for 10 years. I have spoken to 10 different people at B of A and they all have a different story as to what 's right and what 's wrong. It truly is just harassment. I had to file a complaint with the Dept of Justice about 5 years ago for them to acknowledge that I did already have the insurance and that they purchased it from their own insurance company XXXX for XXXX what my insurance cost. They are at it again and I ca n't take it. The XXXX is literally taking a toll on me. They have to be stopped.

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 2021-04-21
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, Im XXXX XXXX. I have a PNC SmartAccess Prepaid Card Account. I have serval charges to my account dating back to XX/XX/2021. In XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021 I have serval transactions adding up to around XXXX & XXXX ( XXXX )!! 
I disputed almost all of these transaction and I canceled my card because these transaction were not authorized by me. I believe someone had all my card info, it wouldnt be hard for someone to make unauthorized transactions with PNC Smart Access Account because everything needed to make a purchase is right on the card. The only info you need to make a purchase with my prepaid card that is not actually on the prepaid card is my billing Zip Code or address and if it was someone I know that stole my card info then they know my address & could make any transactions/purchases! I know I didnt make these fraudulent transactions and I dont understand why my disputes were denied, with whats going on in the world today I definitely need my money back!!! And whats the point in having FDIC insurance if I cant get money back that was technically stolen from me?!? 
Thanks in advance I really hope something can/will be done about my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Navient Solutions, LLC.
State: MO
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 submitted the XXXX Loan Forgiveness form XX/XX/XXXX. All information was correct on the form. I called for updates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. On XX/XX/XXXX, after 90 days of processing, Navient told me that they sent me a letter denying my request on XX/XX/XXXX. However, every previous encounter I was told that the document was still in processing. When I pointed out these discrepancies, they simply said, " sorry for the misunderstanding. '' Navient said my signature was missing, but it was not. I feel they are not being honest in their correspondence with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: The CBE Group, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint from XXXX against CBE Group for CBE Group 's failure to provide requested information for the debt alleged. As of XX/XX/2017, CBE Group has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Navient Solutions, LLC.
State: WY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
So, XXXX XXXX is now Navient. My initial thought when hearing this was " oh good, maybe the service will be better! '' Sadly, I was extremely mistaken. While the name is different, the same TERRIBLE customer service still exists. No, I 'm not behind in my payments and actually pay 2 weeks before the due date. I should not have to call every couple of months because the corporation ca n't do its job with payment allocation, tells me I 'm over a month behind on payments, and gives me late fees! Their customer service representatives continually repeat the same information which was incorrect and not useful to begin with! No, I will NOT send Navient copies of my bank statement to prove I made a payment. Additionally, when I send a check to pay off a specific loan, use it to actually pay off the loan specified rather than dividing the money between all of my loans. When I finally spoke with a supervisor, he was able to look up payments and their allocation, which Navient incorrectly allocated. This company is not doing their job properly, trying to gouge their customers with late fees ( in addition to extremely high interest rates ), and wasting our precious time by having to sit on the phone for hours every couple of months to get issues due to their incompetence resolved. Those of us bettering our lives with great careers, making payments early or on time, and paying off individual loans, should not be penalized by this company 's inability to perform their daily duties. Additionally, Navient continually has my legal name incorrect even after multiple documents have been faxed and conversations with customer service representatives. After submitting a complaint with the XXXX, I received a voicemail from the Office of the Customer Advocate asking for a return call. However, I have been leaving voicemails for the past month with no response. I also received a letter stating the issue was resolved, yet this next month 's statement is still incorrect. This is professionally unacceptable, both with the lack of follow up and the continued inability to allocate funds correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A collection agency named " XXXX XXXX XXXX " is reporting inaccurate information on a monthly basis about an old credit card debt that was written off XX/XX/XXXX. This was " sold '' twice with " XXXX '' acquiring XX/XX/XXXX. I sent them a certified letter of which they responded. They still report that this was " Opened '' XX/XX/XXXX. This is an attempt to injure my credit for years to come. This practice could go on for a lifetime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I filed Chapter XXXX in XXXX 2013. We did NOT include our mortgage, however, Bank of America has reported on our credit report that our mortgage was surrendered in a bankruptcy. This is a bold face lie. We continue to pay our mortgage regularly and on time to Bank of America, yet they will not remove this lie from our credit report. Also, they have not been reporting our ON TIME payments to the credit reporting agencies. This has been ongoing for almost TWO years. What can we do to force Bank of America to correct this injustice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My account went over XXXX in overdraft fee for charges that processing on my account before XXXX electronic checks were charge to my account. When I went back to take a look at my account I notice that the items that was in my account process somehow came out of a negative charge balance on my account. When the XXXX checks came into my account my account had fund in it with XXXX items processing. Overnite I check my account and XXXX elerctronic checks that came into my account somehow was processing and the items the was slide using my debit card was in the negative status and not the XXXX checks. I called and ask the rep on the phone what happened to my surprise the rep stated that the checks camae in before the items that I slide on my debit card going back and forth with the rep stating that was not true that rep became to tell me that is how it goes. Then I asked how was I charged XXXX overdrafted fee I thought I was only charged XXXX fee and then after 5 days I would have another XXXX added if that XXXX was not paid for. He then told me no bank of America charge you {$35.00} per item by government law. I then let the rep know that I have had this account for sometime and there has never been over draft fee on my account like this. So then I check my account on the 3rd day of overdraft and seen there was a 5 day over draft fee add and then another and then another. I called the bank the rep said that is right and there is nothing I could do about it. Now my account is XXXX in over draft fee with my account went negative on the XXXX of XXXX. I ca n't take this anymore I have been paying fee more than using my account. I do n't know what is going on but I need to report this because there is something seriously wrong with there system with charging these fee incorrectly to the consumers account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I surrendered the property at XXXX, XXXX VA XXXX in XX/XX/XXXX during a modified bankruptcy plan. Bank of America never transferred ownership after my bankruptcy was dismissed. This is hindering me from purchasing a home and is holding me accountable for anything associated with the property ( grass, trees, etc. In XX/XX/XXXX they sold my loan to XXXX Mortgage who is currently trying to collect payment.

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