BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-31
Company: Westlake Services, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Westlake Financial Inc. account # XXXX is an old car from I believe 2012 that was repo 'd. Westlake on my credit report is showing that is is charged off and this car has not been in my possession for at least 4 years now. However, after applying for a mortgage, we noticed that Westlake has been reporting late payments several times through out the last 4 years and then the last 7 months in a row they have reporting a late payment even though this truck has not been in my possession for many years. My understanding is that when something charges off, that means the company decided to charge it off the books and therefore, they can not, in turn report late payments anymore sporadically or consecutively past the charge off date. I guess what I am saying is you ca n't be late on something that charged off. They have been doing this for years and years and has caused my scores to drop big time. I have been trying to get my credit back in shape so my family could purchase a home. After working really hard to do that I find out this company has been illegally, in my opinion, and willfully, charging me late to harm my credit. I am requesting all the late payment past 2012 be removed from my credit report and specifically all the late payments over the last 2 years should be removed ASAP since I have not had the car in my possession and the account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Cochren Bailey & Associates, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Someone from a company called Cochran and Bailey ( XXXX ) XXXX, searched a database and associated my husbands family with me and starting calling them and telling them that I used them as a reference and that they have their SS # and addresses and that I have been writing bad checks. They called several people in my husbands family whom I have never used as a reference for anything, I do n't know any of their addresses or phone numbers so I could n't have possibly given out any info on my in-laws. They have been steady calling and harassing everyone including my mom and on my job disclosing my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The vehicle had {$1500.00} left on the loan and was subsequently sold upon reposecion. They are now charging my account over {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Law Office of Michael J. Scott, PC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
collector calling my job when advised not to. was told again XXXX/XXXX/16 not to call called again on XXXX/XXXX/16. I also left them my cell number to call me back, I have no clue what this is about. They will not call my cell just calling my work and will not identify what this is all about

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
According to the original agreement for my students loans ( and the information on Pennsylvania Higher Education Assistance Agency website, FedLoanServicing ), I can choose which of my two loan payments receives the greater amount of money after satisfying the minimum due each month. As a XXXX veteran with increasing physical ailments who is finding work difficult, I attempted to pay down my unsubsidized loan. I tried to use their online distribution box to do so, but the boxes are fake and do not allow me to split the amounts ( I 'll attach a screenshot ). On XXXX/XXXX/16, I applied {$500.00} extra via the online site in the belief they would at least divide the amount equally between both loans. They did not, instead paid the larger amount towards the subsidized loan. I called customer service and was told to specify the loan number and " Sequence XXXX '' on the check, to make sure my extra payment would go to my unsubsidized loan. I did so and again, they failed to apply the second {$500.00} as directed on my check cashed on XXXX/XXXX/16 and instead split the amount, paying more to the subsidized loan, in direct opposition to my instructions. Normally, I could send a copy of that check but the company destroyed it and instead sent an electronic notice to XXXX XXXX XXXX, which I will attach. I have written them to correct the billing immediately before I take legal action. I intend to send this to XXXX XXXX, President Obama, Representative XXXX, XXXX XXXX, XXXX XXXX, and in the hopes that they will investigate Fed Loan company for fraud. I also need help in moving my account to a reputable company. Thank you for any assistance you can provide. -- XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26
Company: AES/PHEAA
State: CO
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:
I had submitted a complaint XX/XX/XXXX regarding Fed Loan Services inability to adjust my loans to a level where I could afford to pay on income based repayment after my account was direct debited for {$1200.00} vs the {$800.00} I had been paying. For a period of nearly 6 months ( XX/XX/XXXX- XX/XX/XXXX ) I was induced to put my loans into a general or hardship forbearance so that the reviewers could adjust my loans. I was told that had no choice but to be in forbearance and was not able to make any payments during the adjustment period. Each month they adjusted the loans to a total level that I could not afford. I would get conflicting emails and invoice in the mail stating what I would owe, stating that I had past due amounts, stating what I had to pay the following month. Each time I would call frantically trying to figure what was going on, only to be told I had to extend my forbearance. I am asking that the due to the Servicer 's inability to adjust my loans during a 30 day period, that any additional interest recapitalized be forgiven. I have spoken with the Servicer 's office ( XXXX XXXX XXXXXXXXXXXX, XXXX ) several times XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX when she has reviewed my file. Each time she does not understand the context of my request for relief and each time she states that she will re-review my file for the relief as she did not earlier understand my request. It has been almost 5 months since my last correspondence with the servicer and a year since my initial complaint with no summary of what is being done to close out this complaint. I would appreciate the CFPB/Ombudsman intercede on my behalf to drive a resolution and closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: SUNTRUST BANKS, INC.
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was at a Suntrust Bank location today and was ( I believe ) intentionally short-changed on a deposit. Fortunately, I counted my cash before I left the property, immediately went back into the branch and the issue was corrected by the same teller who did the original transaction. I am very concerned that this appeared to be a conscious attempt to defraud me. I tried contacting Suntrust Corporate to speak with their internal audit staff but their customer service was not able to help me. They did not even seem to know whether or not Suntrust had an internal audit staff. Suntrust website is equally unhelpful. The links to the Fraud and Security section are all addressed at external sources of fraud.

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 2017-01-08
Company: Credit Karma, LLC
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am writing this letter to file a complaint against Credit Karma a.k.a creditkarma.com regarding making numerous request to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into Credit Karma.com a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX and to Credit Karma numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or XXXX score for me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX I became aware that a recently terminated office manager who had been employed by my company, XXXX XXXX XXXX : XXXX for approximately 1 yr had fraudulently used my debit card for a {$99.00} purchase. This person also forged a payroll check for {$2200.00} ( see XXXX ) This person also generated a fraudulent check ( see XXXX ) from a customer for deposit into our business account in the hopes of ( a ) getting paid a commission on said check or ( b ) intentionally over drafting my account, which it did. On XXXX I reported these fraudulent transactions to XXXX XXXX, Suntrust Branch Manager at XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX PH XXXX Fax XXXX because XXXX of the items had not cleared she suggested I check back in a few days. On XXXX I filed a police report with the XXXX Police Dept. ( see XXXX ) I then presented same report to XXXX XXXX a banker at the same Suntrust location to be forwarded along with check information to Suntrust 's security office. Both XXXX XXXX and XXXX XXXX were very helpful in retrieving images of the checks in question and assisting me in gathering documents. As of this date I have had no contact from Suntrust security or any other Suntrust representative regarding this identity theft and fraudulent checks in question. Suntrust did cancel my debit card, and issued credit of {$99.00} for the fraudulent use of my debit card but at this time my account still remains overdrawn due to the illegal checks being processed which is preventing me from doing future business through said account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: AES/PHEAA
State: FL
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:
I applied on XXXX XXXX, XXXX to switch my repayment plan from XXXX to the new XXXX student loan repayment program. It is now XXXX XXXX, XXXX and they still have not completed the processing of my application. They have told me that so many people have applied to this program all at the same time, that it is causing them difficulty in processing applications in a timely manner. Apparently they are unable to service student loans in a fair and equitable manner. This delay resulting from their inability to accommodate the new laws creating a new repayment program is creating a hardship on me, as it is lengthening the amount of time I remain in debt and delays my final repayment date back as many months as they are unable to get me into the new repayment plan. I am also enrolled in the XXXX XXXX XXXX XXXX Program, so the " clock '' on my maximum 10-year repayment time span has essentially stopped, and now my final payment will be delayed by however many months that MY FED LOAN has been unable to completely process my application. In other words, my final payment ( # XXXX on time payment ) date will be delayed at least 5 months, and that is IF they can get me on the new repayment plan in XXXX XXXX, which seems doubtful given their track record of being unable to handle servicing student loans properly. If My Fed Loan is so ambitious to " service '' student loans, then they should be prepared to handle the influx when new laws create new repayment programs/plans. XXXX or 6 months delay may not seem like a lot of time given the 120 month repayment program of the XXXX XXXX XXXX XXXX, but I have been in the XXXX for 18 years ( repaying my student loans ) and I ca n't believe that the XXXX is not retroactive. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: EQUIFAX, 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:
I have submitted disputes to Equifax on multiple occasions regarding the XXXX XXXX COLLECTION ACCOUNT. Equifax has alleged that they have verified the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ; however, have failed to substantiate how they verified that the account belongs to me. In fact, XXXX XXXX has not provided a contract illustrating that I agreed to the debt. Moreover, my credit file has been adversely impacted by the Equifax breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: AES/PHEAA
State: MN
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:
My daughter has student loans serviced by American Education Services ( AES ). I am cosigner on those loans. Over a period of time from XX/XX/XXXX to XX/XX/XXXX, payments made directly to AES by my daughter have been lost or stolen by AES. There are 17 missing payments at this time, totaling more than {$10000.00}. My daughter and I have provided three different types of proof, including actual bank statements from her bank, showing the date and amount of payment made directly to AES. They continue to say they can not " find '' the funds. We have contacted also the Pennsylvania Higher Education Authority ( PHEAA ) and their Office of Consumer Advocacy. These people are supposed to be advocating for the consumer and holding AES accountable to try to correct the multitude of errors and complaints about AES. However, all PHEAA have done so far is make excuses for AES and tell me how they are a huge company with millions of people making payments. My daughter and I have called AES and PHEAA many, many, many times to try and resolve this. They have terrible customer service and inept financial management. However, even though we tried and tried to get a resolution and produce evidence of our payments, they continue to send a barrage of emails, phone calls and letters to say we are delinquent. Both my daughter and my credit reports are full of indications of " adverse '' results and delinquent accounts. My daughter stopped making payments for a few months because she is afraid of more funds being lost or stolen and we received notice they were going to send our information to collection agencies and we would be required to pay the amount in full. She set up a system then to begin to make payments again while this is sorted out, and the first payment was received and credited with no problem. Now the second payment is again " lost '', even though she went on the AES system and make the payment with direct debit to them, just as they had instructed. Once again, the money is taken from her bank account and paid to AES, but AES says they never received it. PLEASE make them credit my daughter 's loan balances right now for the {$10000.00} that she paid to AES. ( {$9200.00} paid and not credited to her account in XXXX and {$1400.00} paid XX/XX/XXXX and not credited to her account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: SUNTRUST BANKS, INC.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
About 8 years ago I had to up and leave my house to move for care of my daughter. To which we had renters but they XXXX us over and we didnt have time or money to deal with a house as my daughters health was way more important and the renters messed the house up. I have filed a few complaints on this company already. 7 years later the house hasnt been paid on its suposed to get forclosed. Its in the process but from what Ive been told my law office keeps getting hung up with SUNTRUST MORTGAGE on this issue. My credit has already been turned to XXXX cause they wont do anything.

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 2017-01-24
Company: SUNTRUST BANKS, INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked for my number to be taken out, and to be removed after I explained to the debater I had set up to call back at a later date was told this is not how this works, told him to just take me off do not contact me, received another call a week later with another rude person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I called student fed loan servicing to reinstate payments after I was no longer going to school So I could get them paid off faster. They had me fill out a form to wave my forbearance rights and I sent that in. My payments resumed for a month or two and then stopped again in XXXX. 

I called student fed loan servicing on XXXX XXXX to ask why my payments were not being deducted again. They told me I would need to submit a request again to get them reinstated but they would resume for XXXX. 

I called XXXX XXXX, XXXX to ask why it still shows that XXXX my loan will be in forbearance. She told me that it would be in forbearance until XXXX. She said she could submit another request to have it go into repayment but then she said my original paperwork that I filled out months ago no longer is valid because I submitted another request on XXXX XXXX for the same thing, to get my payments reinstated. During all of this I am incurring interest and not able to get FedLoanServicing to take payment. 
The notion that a representative had me put in a second request that voided the first request for the same thing is silly to me and I feel I am getting the run around. In addition I just realized the XXXX payments they did deduct in XXXX and XXXX were for interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I 'm being charged an ISF penalty that does not make sense to me. 
The bank says larger entries are prioritized when payments are pending regardless if those smaller entries come previous ( 3 days ), even if those previous pending entries were being covered with sufficient funds. How so?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02
Company: Rocket Mortgage, LLC
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
on or about XX/XX/XXXX I was trying to refinance my home. My mortgage was currently held by Quicken loans. I called the XXXX business office and was referred to their Arizona office. In the meantime I searched reviews on my pc about Arizona Quicken loans and they were negative so I declined to do business with them. I was receiving calls from Arizona and XXXX offices and declined to do any business. I then went to my bank and inquired about refinancing my home. When they checked my score I was told that there was high rate of hard inquires ( 6 ) from Quicken for one month. That lowered my score. Recently ( XX/XX/XXXX ) I was attempting to refinance with my current mortgage holder XXXX and they contacted me expressing that they wanted to keep servicing my loan. I am refinancing with another company and received from XXXX a packet for mortgage loan. I feel that XXXX contacted the credit companies as Quiken has without my authorization. Can you please help me with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I contacted America Education Services in XX/XX/XXXX about not being able to pay my monthly payments in full. However, I was told to pay {$270.00} to be able to go through a questionnaire for possible forbearance. Later, I was told I had let time pass and needed to pay again and wait for the payment to post. I paid {$300.00} this time and after the questionnaire was told I qualified for a 2 month forbearance. In XX/XX/XXXX without further I received a letter from XXXX stating I was in default. XXXX agrees that something is wrong, but says its up to the AES, who denies they were wrong. They refuse to answer the question of my giving away {$570.00} at their request for me not to interested in the forbearance as noted by their agent. They will only say mistakes happen and we apologize. I have never defaulted on a loan before and due to this can no longer attend school to pursue my dream as a school administrator. I am only asking to be reinstated from default so that I may consolidate this loan. AES misrepresented themselves and provided information that was not true. They refuse to try and work with me.

Company response to consumer: Closed with explanation