BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: SUNTRUST BANKS, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19, I requested a reappraisal from SunTrust in order that we might pay down our loan and lower our LTV enough to remove our monthly {$320.00} PMI payment. I requested that someone " contact me via phone or in a way that I can reasonably ask follow-up questions. '' At the end of XXXX when I had not received a reply, I submitted a fax to SunTrust. SunTrust confirmed on XX/XX/19 that the fax was received, and the following note was added to their online chat portal : " A faxed deletion request has been received to delete PMI. '' On XX/XX/19, I added a note to the online chat : " I would like to know how I can reappraise our home to lower our LTV. '' Later, another note was added by SunTrust : " A deletion request can take upto 30 days to be processed. Upon completion of the review, a letter will be mailed with the next steps, if any are necessary. '' On XX/XX/19, I added another note to the online chat portal : " I have sent 3 requests to Suntrust to reassess my home value. We would like to pay down the principle in order to get rid of PMI. '' When asked if I had additional feedback, I said, " I'm trying numerous avenues to get in touch with someone regarding my PMI. It certainly feels like Suntrust is intentionally making this a difficult process. '' On XX/XX/19, I made another note on the online chat platform : " I need to follow up on my PMI inquiry. Can you please provide an update? This system is terrible, and I don't understand why I can't talk to a human being. '' On XX/XX/19, I mailed a signed document along with a {$150.00} check, requesting to order a " Brokers Price Option '' in order to better determine our LTV. 

On XX/XX/19, I added yet another note to the online chat portal : " A couple of weeks ago, I mailed our Request to Remove PMI and a {$150.00} check. Can you confirm that this has been received, and let me know what the next step in the process will be? I have been attempting to get this taken care of since XX/XX/XXXX. '' Each month that this process persists, I am required to pay another {$320.00} PMI payment. As I noted to SunTrust, it certainly seems as though they are intentionally making the process to remove PMI a difficult one, and I believe it is unfair.

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 2017-04-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My dealership never went over what finance company had my loan. I knew what month payments were to begin and I figured I would for sure get some notification ( email, mail, customer service call etc ) and I never received anything. I had no idea at this point how I could ever find anything out since nobody has contacted me in any way! A collection agency called me and I made the prior and current month payment, they never informed me who my loan servicer was. So, process repeated itself, this time I did n't get a call so I decided I would call random banks and see if they had an active auto loan with them. When I called BMO Harris, they said yes. I explained my situation and frustration with the company and how that 's not a great start for a new customer to the business. I asked if this was going to impact my credit and the representative said yes because it was past 30 days. I then re-explained the situation and frustration and she said that if I could provide proof that I had the money in my accounts ( which I had ) at the time of payment being due that they could reverse the credit hit. She was going to see if we did n't have to even go through those steps of providing proof by checking with a manager and calling me back. She called me back and said that even providing proof she wo n't reverse it because my mailing address was correct. I explained I just recently bought the house I 'm in and I have n't received any mail from BMO and that I clearly had no idea who had my loan as I called multiple banks to find where my loan existed. They said they do n't send out emails and that the mail is the only documentation they send. I said I live in a townhouse and have a small mailbox within a pod of other mailboxes for everyone else on my block since they 're town homes as well. The representative would n't do anything for me. I have PERFECT payment history for all my auto loans and this is my fourth I 've ever had. I even said, let this conversation go on record! I now know who my loan servicer is and we have had a conversation about what I need to do going forward. Leaving that conversation feeling like the representative/company thought I was lying and actually an irresponsible person trying to take advantage of their business is sickening, disrespectful and unfair.

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 2019-12-17
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a used car in XX/XX/2019 through TD Auto. It came with an extended warranty. I sold the car and paid off the loan in XX/XX/2019 but the extended warranty payment was sent to TD Auto after the loan was paid off because the warranty cost was built into the loan. The check was sent to TD Auto XX/XX/2019 and cashed XX/XX/2019. I called TD Auto in XXXX and was told they would process the payment as soon as it was received and send me the balance ( {$6900.00} ). I called again in XXXX after they cashed the check and was told it would come in 2-3 weeks. I called again in XXXX and spoke to XXXX XXXX ( XXXX XXXX ) who said it would come in 3-5 business days but that I can not escalate beyond her to her boss XXXX XXXX. I called again XX/XX/2019 and was told the check has not been processed and would arrive sometime in late XXXX and XXXX XXXX again refused to give me assurance or speak to me. Supervisor XXXX XXXX attempted to get XXXX to hear my issues but he refused and no one on the 4th floor would make themselves available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2017-04-17
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX sold our mortgage to Nationstar. This happened in the middle of a house deal. I tried to get ahead of it by calling Nationstar, emailing, writing a letter requesting a payoff and using social media. The written letter was mailed XX/XX/XXXX. One very nice customer service person, XXXX even emailed within the company on XX/XX/XXXX to escalate producing the payoff letter.At first I was told to call back on XX/XX/XXXX when my account was in the system. Today via the support center ( XXXX ) I was told that our loan in not through processing and that we should be able to get the payoff XX/XX/XXXX. We were to close on XX/XX/XXXX so this delays the closing. 
This is unacceptable. According to the Dodd- Frank act this servicer must provide the resources and personnel to complete the transfer process. Today iis ourt transfer date and we can not obtain a payoff letter. Nationstar services our loan as today and as such mut provide the lender information they need

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For the l ast two months, Chase 's w ebsite has only work intermittently. This has made it difficult to manage my accounts and use the online bill pay functions. At first I thought it was a temporary issue will updates were made, but the problem has persisted for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
State: GA
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:
Disputed a bankruptcy reporting on credit report. Credit bureau reported that they verified information. However, I contacted the company that credit bureau stated that verified information and was advised that not only did they not verify information, but they do not provide information directly to third parties.

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 2018-07-30
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was not aware of this student loan company I only had loans with the department of education and XXXX and XXXX and have never heard from this company in XX/XX/XXXX my uncle said the sheriff delivered a letter to parents old home in XXXX ga I went to court and the judge told the the attorney that was representing this XXXX XXXX XXXX XXXX that they needed to provide proof of how they got my loan and how did they try to contact me before entering into judgement. They never did that in XX/XX/XXXX they filed papers again in XXXX county I went to court with them explained to the judge and he basically told them the same thing. It was a different attorney from the same firm and he was rude the attorney is XXXX and XXXX. They garnished my wages in XX/XX/XXXX while I working for XXXX XXXX as well and they have never produced any documents. On Friday the XXXX of XXXX I received a letter that they are garnishing my wages and they have never provided proof on how they acquired my loan. I was still in college until XX/XX/XXXX so I have never been giving a chance on any if I owe this people. They are stating I owe XXXX and the totally is XXXX I do not have any loans for that amount. I do not know what else to do I have file claims before with the CFPB on this company and nothing has been done, but I see a lawsuit is out on this company I am seeking assistance to get this garnishment stopped and my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Citi and explained 2 days before the due date of the payment that it will transfer late.  The rep said it wasn't a problem but because the fee isn't in the system,  I need to call afterwards to get it removed.  When I got my next statement,  I called to get the fee removed but this time the rep said she would not remove the fee. Since I had no balance on the card except the fee, I told her I will not pay the fee and to close my account.  Next month they continued to put a fee on top of the fee.

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 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts on my credit report that I did not authorize. These accounts were open without my knowledge. I have already filed a complaint with Federal Trade Commission and attached you will find my Identity theft report. These accounts are fraudulent and need to be removed immediately. There was a mobile cell phone account opened in my name the balance is XXXX also a personal loan for XXXX. Please investigate immediately and remove these un authorized accounts as soon as possible. Thank you

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 2019-12-17
Company: SOUTHSTATE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
South State Bank has recorded three late payments and reported that on my credit score to the credit bureau 's, I have attached both my email exchange and their response back to my query. I'm contesting the Late payment Charge for the XX/XX/2017 payment where the payment due was {$4400.00} and I made a payment of {$4300.00} which was simply an error of {$38.00} in my calculation. I contested this late payment filed by SSB since it was a small amount and they had not reached out to me or sent me any communication of the shortage of {$38.00}. I quoted CFPB articles that protect me from unreasonable practices and predatory lending processes where they are trying to ruin my credit score for {$38.00}. Response I got is attcahed where they have refused to acknowledge the CFPB guideline on servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear XXXX, I am extremely dissatisfied on the lack of support by CHASE Bank. I was defrauded out of {$2500.00} by an individual with a Chase Bank account claiming to be a property manager and requiring a security deposit. The individual told me that he returned the money back to my Chase account but It has been well over +30days and I never received my money back. CHASE failed to provide me with the criminals information as he is a CHASE bank customer, so I am not able to pursue the person. 

I am requesting that CHASE refund my {$2500.00} deposit. I am prepared to take legal action against CHASE for creating the platform and ease of opportunity for criminals to easily set up checking accounts to commit wire fraud. CHASE has provided me with no safeguard for my customer safety. Below is the contact information for the chase customer. 

Name used : XXXX XXXX, XXXX XXXX Phone numbers used : ( XXXX XXXX XXXX, XXXX XXXX XXXX Email used : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: JPMORGAN CHASE & CO.
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I live in XXXX Utah and today I went to the Chase branch of XXXX to open a new account. I already have an account with another bank but I 'm planning to move where they have no branch of my current bank so I decided make a new account that is across the states. 

XXXX helped me to set up my account and he was really nice an did a great job on going through everything I needed to know which included depositing cash on ATM machine. 

The account I made had a condition where I do not have to pay any service fee if I maintain daily balance of {$5000.00}. I was planning to close my other bank account so I thought I might as well deposit more because I can. 

I withdrew {$10000.00} from a XXXX branch by XXXX, and I brought it back to the chase branch only to find out there are many people in line. So I decided to use the ATM machine right outside of the branch to deposit my {$10000.00}. Apparently, the ATM machine only accepts up to XXXX bills per transaction. The first {$5000.00} went in ok. However, during my second transaction, XXXX of the rubber band that was there to hold to bills was not removed all the way and then the machine displayed an error message and took my second {$5000.00} with it. It printed a receipt saying that the second transaction did not go through. Straight away, I told someone that looks like the manager and XXXX about this. XXXX told me that he will put a claim. 

Later at home I was really worried because I 'm still a XXXX working XXXX and {$5000.00} is a huge money for me. I called the bank customer service and they told me it is under investigation and they do n't know what will happen but that there is nothing I can do for now but wait. But then, I found several articles that there are several incidents that Chase ATM takes the money and customers not being able to claim their money back after investigation. That got me very worried and I decided to file this complaint. I understand that the rubber band slipped in there but it was an honest mistake and I did not mean any harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-17
Company: SYNCHRONY FINANCIAL
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I applied on line for loans.  My credit is bad so I received very few offers.  A company called GE Capital offered me a loan of $XXXX.  I told them I would like to take the loan.  Then, they told me I qualified for a government grant.  They said I was on a recorded line and asked me if I would like to take the grant for $XXXX.  I said Yes as long as there was no cost to me.  The company then told me that in order to get the grant I had to pay $XXXX in taxes.  I told them I did not want to take the grant then.  They said they had me on a recording saying I wanted to take the grant and I had to pay the taxes.  They asked for all kinds of fees in addition and ran me all over the town getting various kinds of gift cards which I had to photograph and send to them.  I stupidly sent them approximately $XXXX  worth of cards.  They now keep telling me that the Federal Trade Commission has my file and will not release my loan and the grant funds until I pay a final $XXXX.  I know that I have been scammed.  I just wish you could help put a stop to this so it does not happen to others.  I went online and saw the bad reputation they have.  I wish I had looked before I agreed to deal with them.  Apparently, they are not even affiliated with XXXX XXXX.These incidents began on Thursday, XX/XX/XXXX and are continuing today.  The telephone number that they use to call me is XXXX   It comes up as a Texas number.  The people who call sound like they are either XXXX or 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 2022-04-29
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error XXXX XXXX XXXX  consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ON XX/XX/2019 I SUBMITTED AN ONLINE FRAUD DISPUTE TO EXPERIAN ( EXPERIAN REPORT # XXXX ) WITH AN FTC ID THEFT REPORT # XXXX. ON XX/XX/2019 I RECEIVED A LETTER IN THE MAIL FROM EXPERIAN STATING THAT THEY HAVE CONFIRMED THAT IT WAS A FRAUDULENT DOCUMENT AND THAT THEY RESERVE THE RIGHT TO REPORT ME TO LAW ENFORCEMENT. ON XX/XX/2019 I CALLED THE FTC AND THEY ADVISED ME THAT MY FTC ID REPORT WAS VALID. ON XX/XX/2019 I CALLED EXPERIAN AND A EXPERIAN FRAUD DEPT REP ADVISED ME THAT THEY DID NOT KNOW WHY THE LETTER WAS SENT OUT BUT UPON HER REVIEW OF THE FTC ID THEFT REPORT SHE DECLARED THAT IT WAS INVALID AND WHEN I ASKED WHAT MADE IT INVALID SHE SAID IT WAS INTERNAL INFORMATION THAT SHE COULD NOT RELEASE TO ME. I NEED TO KNOW WHY MY ID THEFT REPORT WAS RULED INVALID.

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 2019-12-17
Company: Delta Outsource Group, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have spoken to this company in XXXX on the XXXX and spoke to this company at XXXX and advised them not to contact my employer and that they can not contact me at my place of work. I have already submitted a complaint regarding their tactics. They contacted me again today and they left a voice message at my place of work. They called from XXXX and asked me to call them back at a different number XXXX.

Company response to consumer: Closed with explanation