BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-23
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an agreement to pay on medical bill monthly. After sending in payment for XXXX it was turned over to a collection agency. This however, may not have happened if I had not gone to the billing office to dispute a charge. On several occasions when I pay my co-pay at the doctors office I am later billed for it. I tell them I have my receipt, they tell me its for Lab work, they send it to collection. Collection called to tell me its for Lab work, I go to Billing Office, show my receipt for office visit paid, they tell me its for Lab work, I paid the amount they ask for to get it out of collections. I called Insurance Company, they tell me I do not pay for Lab work if it is done during my visit. The Insurance Company calls the Billing Office, told them I was not responsible for the bill. The Billing Office was to call Insurance Company and Physicians Office to confirm charges, however they did not call the Insurance Office, Physicians Office or me. They will not accept calls from anyone concerning this bill. I do not dispute owing the medical bill, I do dispute the amount because they have accepted XXXX payments since turning it over to collections. I believe that a company should honor their agreement when given. I do not want to lose the physician I have now, but if I have to change I will go back to the old clinic ( never had a problem with billing ). I am not the only one that has had this problem, the ones I have spoken with are afraid of losing their physician. This company is to large to resort to these tactics. I have paid my bill down from around {$3400.00} to XXXX, why send it to collection now? I did not receive a statement this month, but I sent the payment I agreed to pay. The statements you receive are very confusing, its as if they do n't want you to know what you owe or what you have paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: SUNTRUST BANKS, INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX and I have been a client of Suntrust Mortgage for 5 years. 
Within these years every 3-4 months I encounter problems with Suntrust. There is an ongoing issue with up front transparency as to what is need by me. One of the issues now is i 'm short in escrow and the payment is going up an additional ( {$200.00} ). Currently my budget can not sustain this waive of unforeseen changes. 
I did a loan modification 4 years ago so why does my payment continue to go up back and forth. 
I am frustrated to the point of walking out of this home and letting them have it. Any advice you can assist me with will help. 
Suntrust Mortgage loan Number : XXXX XXXX XXXX, Home preservation counselor Phone 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 non-monetary relief
Consumer complaint received 2016-03-21
Company: SOUTHEAST MORTGAGE OF GA INC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Southeast Mortgage, XXXX, GA was the lender on the purchase of our home in XXXX Ga. On XXXX XXXX, XXXX. The process for the FHA streamline loan took 71 days from initiation - excessive and unacceptable. The XXXX Lead Representative assigned appeared to lack the knowledge of the FHA requirements and process. For example, we were not provided information on our responsibilities to get the contractors, forms which contained the FHA requirements were not provided. Questions on our part to wade through this process were almost always answered with 'the requirements for the FHA streamline process changed in XXXX '. The lender should be educated in these changes and pass on information which helps the consumer to get through this process. I did my own research, my son created his own contractor form based on the information received by the lender. When submitting, the rules changed several times. First, the bid information had to be received from XXXX contractors, listing the cost and labor for the proposed renovations. Each time we submitted what the lender required we were told 'just XXXX more document and we 'll be good '. Delays due to this, lack of response to emails and phone calls added to the frustration. When we were told the appraisal could now be ordered, it was n't because the underwriting process was slow and when issues were discovered our application went to the bottom of the pile. After many complaints to the lender, we would get some movement, but again were told it was due to FHA requirements. Once the appraisal was finally ordered, and completed, we were told a new form had to be completed by the contractors which was our responsibility to get completed, signed and returned. We travelled over an hour to meet with the contractor to get this done same day and returned to the lender. Once received by the lender, we were told it had to go through underwriting again, which took several days. We are now at 45 plus days in process. When told the new form required a contractor resume, the contractor failed to provide since his references and all contracting information had already been provided. We had to resubmit all our information for a regular FHA loan. Again the forms had to go through underwriting, another appraisal had to be ordered. XXXX extensions had to be filed with the owner to keep the home in process. Finally, we signed on XXXX XXXX, XXXX. Three months we had to stay in hotels and with relatives and pay for the storage of our belongings because we moved from Arizona to Georgia. The cost to us waiting on this process was more than a month longer than we expected. Tensions and frustrations are beyond explanation. Southeast Mortgage motto is to make the experience Awesome and not average. It was AWFUL not Awesome.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attempted to file this complaint with my student loan servicer ( see below ). I received an emailed response " an application is being mailed to you. '' I completed an IDR application online. I emailed my tax return to FLS the next day. I spoke to XXXX at FLS who said this was received. On the IDR application the Department of Education listed FLS as my loan servicer, one name one address. 

I am requesting to file a formal complaint. First, I spoke to your agency and I was never advised about the income based repayment plans when I was having trouble paying my loans. I received no assistance from AES or FLS other than forbearance and then being told my forbearance time is up. Second, your agency is refusing to process my XXXX application. I contacted both FLS and AES and notified them my application was submitted online and my tax documentation was emailed to FLS and I received confirmation on the phone and via email, the tax documentation was received. 

I understand you use two separate names, but you are the same agency. Your AES representative lied and said you were a completely separate company and not in the same building or associated, which is untrue. I am requesting, again, that you ( FLS and AES ) process my XXXX application accordingly as you have the completed application and my income documentation. 

There is a serious problem when a student loan servicer deliberately makes this process hard for borrowers because of your lack of communication and unwillingness to take a few extra minutes to assist your customers. Instead your 'escalated ' representatives attempt to make me duplicate efforts by faxing income documentation that you already have. And I emailed the tax return initially after trying to fax all day, to a constant busy signal. Your ever so helpful representative then suggested 'just keep trying, ' until I asked questions about alternatives and was given an incorrect email address. I called back again to get the correct email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Texas Guaranteed
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have contacted Texas Guaranteed loans collections agency several times in the last few weeks/months attempting to resolve issues regarding a defaulted loan that lead to my tax refund being offset. The first time I was contacted, I spoke to XXXX of their representative XXXX whom was very rude and would not answer my questions regarding the default, instead she was coarsing me into starting a payment plan and this after i previously stopped a wage garnishment while attempting to figure out exactly why I defaulted on a loan, when i have either been a XXXX student or when in between schools have requested for a forbearance. I was told to bring a letter from the school showing periods of enrollment leading to the time i defaulted. I obtained this information and contacted texas guaranteed loan yesterday Yesterday XXXX/XXXX/XXXX. At this time, I spoke to a male who gave his name as being XXXX, I have spoken to this man in the past and remembered him being very rude and gave me false informations and will not assist me with informations or answer questions correctly. Then on this day, he answered the phone and I asked if I can please get their fax number. He asked me what I was faxing, I said a hardship request to get my tax refund back, and a letter from the school stating that I was fully enrolled in school. At this time, he became very irrate, and told me that it will not do anything for me, and he doesnt know why I 'm wasting my time. And that I could not have placed a firbearance on the loan that many times, because its only granted once, and that this loan was from XXXX. And unless i can prove that I have been in school from XXXX until now, then there 's nothing i can do. I explained to him that I remember speaking to him once before and that he was very rude at the time and giving me false informations as he is doing now. I informed him that i have spoken to multiple people there since this morning and you once again are the only one giving me different information. He continued to tell me that it doesnt matter what i have that they are not going to do anything about it. He was being very verbally abusive and yelling at me. This went on for 12 minutes and he eventually hung up and did not give me the fax number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Complaint against Suntrust Bank. Suntrust Bank did not file the deed to take possession of property - XXXX XXXX XXXX, XXXX, GA XXXX - for 18 months after it was surrended to them via bankruptcy. Filing the foreclosure deed 18 months later has denied me the ability to refinance into a more favorable mortgage on my home. Suntrust chose NOT to file the deed to AVOID THE COSTS associated with ownership of the property. While I reorganized my life and put myself on a firm foundation, I am being penalized by Suntrust not following through on the court order to take possession of the property and file the deed in their name. Please look into this and advise if there is an avenue to remedy this situation. FHA in its loan approval guidelines goes off the deed transfer date and not the date of the bakruptcy discharge. Please call me if you have any questions. 

XXXX XXXX ( XXXX ) XXXX ( XXXX XXXX XXXXThank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
SunTrust bank refuses to reimburse me for fees they took from my Signature Advantage checking account which is supposed to be free. I have talked with XXXX branch managers, XXXX XXXX and XXXX XXXX several time during the past six months since I discovered in XX/XX/XXXX that SunTrust was mistakenly charging fees from my account. Both branch managers said that the fees were charged in error, that they would make sure that the erroneous fees would be refunded to my account, and that they would follow up with me ; neither of which has happened. XXXX, XXXX, the current branch manager at the XXXX XXXX XXXX XXXX Location ( XXXX ) told me that Suntrust frequently mistakenly takes fees from free checking accounts, and that she has known about the problem for years. 

I 'm unable to determine the amount of money that Suntrust has erroneously taken from my checking account because their website only displays my account record since XX/XX/XXXX. As far as I can tell Suntrust has taken at least {$200.00} from my account, but it may be more.

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 2016-06-20
Company: AES/PHEAA
State: KY
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 have a huge student loan. I keep getting charged monumental fees and/or interest rates every month for the past several years. It was in forebearance, but every time I try and get on an auto pay & payment plan, they take forever to approve, do n't communicate what is going on and continue to send " late '' bills, report to credit and I have been paying what I usually pay on my repayment plan. Whenever I have to resubmit information, it starts all over again and usually takes them months to reserve. I have been charged several thousand in this hassle, plus has greatly affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When my loan was originated it included an escrow for XXXX items : 1. property taxes ; 2. Homeowner's/Hazard Insurance ; and 3. a private water and sewer fee. The loan has been assigned to Suntrust Mortgage and they claim that they are not setup to pay the private water and sewer fee. Customer Service hands me off to the tax department, the tax department says I need to talk to the customer service department. I have sent them a copy of the bill, they have a copy of the HUD-1, they can not give me a time frame for their response. The bill is due by XXXX/XXXX/2016. They refuse to give me a time frame to have this reviewed and resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-24
Company: AES/PHEAA
State: TX
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 took out a private student loan from XXXX Student Loans. I had the payments auto deducted from my bank account the last XXXX years with no problem. I changed banks in XXXX and switched my auto pay bank through XXXX. At this time XXXX 's student loan group was being bought by AES. The bank change never went through and because the loan was being transferred I lost the ability to view it online. XXXX acknowledged the issue and assured me the payment would be backdated based on it being their fault and any credit bureau reporting would be removed as a result. I spoke to AES and they also confirmed that the payment was backdated. When I went to get a mortgage it turned out that it was still showing negative. Now XXXX ca n't be reached an longer because they have closed up shop and AES has given XXXX different variations of what they are doing to fix the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This supposed debt was with originally with XXXX XXXX XXXX in XXXX of 2016. I disputed the debt requesting for validation and I never received any response and that collection agency deleted the debt from my credit report. Suddenly, I pull my credit reports in the month of XXXX and notice that a new collection agency had reported this debt and never sent any sort of notification prior to doing so. On XXXX XXXX, 2016 I mailed a certified letter to Enhanced Recovery explaining they had never sent any notification denying my consumer rights and reporting the item without proper notification and time frame to dispute the validity and I also requested validation from this company. I have confirmation my letter was received on XXXX XXXX and I 've still yet to hear anything from them but the supposed debt remains on my credit file and is hendering my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-09
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I graduated in XXXX, right as the economy started its fast spiral down. I have not been able to get a job in my profession, and have been working jobs that pay less than {$5.00} over min wage to support myself. In XXXX, I was diagnosed with a XXXX ( which is covered under the ADA ). Since then, my out of pocket medical has increased exponentially over the last ten years. With the passing of " Obama Care '' I have also had to purchase my own health insurance ( the XXXX level plan my employer offers does not meet my needs ). 
Since XXXX, my medial expenses have been more than XXXX of my net income. It has been an issue paying back my loan due to the extensive medical costs i have encountered ( XXXX ). 
I have attempted to return to class, in order to maybe gain a new profession. In XXXX I was in class, but had to drop due to lack of transpiration ; but I was seeking an XXXX degree. I started having sever issues with XXXX, and XXXX ; due to XXXX resulting from my XXXX. In XXXX I returned again, I dropped XXXX class due to not being able to XXXX. The last time I was in class was XXXX, and I was not able to complete the term due to having a XXXX. In early XXXX, my doctor and I were evaluating options to keep me from starting XXXX and preparing for XXXX, due to my XXXX. 
I have taken multiple deferments. It comes down to either I pay for medical or I pay for my loan. During my conversations with the standard reps ( people who answer while calling ), a few supervisors, and mid managers ; the general message they have conveyed is that they do n't care, I need to pay them. So my option is pay them, or die. 
I have filed multiple XXXX complaints against my loan company. They have provided false information to the XXXX and me through the XXXX. They have also violated mediation terms through the XXXX. They have been involved in harassment through the mail and by phone. 
I would like a review of their business practices, as well as a possible violation of my rights under the ADA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
FedLoan accused that I was delinquent on making payments toward repaying my student loans beginning XX/XX/2016, and they reported my loans as delinquent to the credit bureaus, so they now show up negatively on my credit report. However, they also approved " Delinquencey Forbearance '' on my account/loans from XX/XX/2016-XX/XX/2016, and approved " General Forbearance '' on my account/loans from XX/XX/2016-XX/XX/2016. Because forbearance was approved, I feel I should not be considered delinquent on these payments, and therefore it should not have been negatively reported on my credit report as such. FedLoan denied to take any action to correct this false, negative reporting when asked to do so, and stated " it was too late '' to take any corrective action on removing the delinquent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: AES/PHEAA
State: SC
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:
-Consistently miscommunicating information about my student -Consistently contacting my cosigner before making contact with me -Falsely reporting information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked United Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Performant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
DCS did not send statements of receipt of payments. The information that was provided in ledger by a third party shows the accurate amount received was not applied to my account. 
DCS failed to respond to my written request for a statement and did not notify me that they would be transferring my account to another company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation