BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-21
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened an account of Suntrust XX/XX/XXXX because I see a promo while I visit the branch. The banker lied to me he put the code for me to get the bonus, but actually he did not at that time because he thought I was not eligible. He is XXXX, Financial Services Representative at XXXX XXXX In-Store. What a joke he wanted me to have direct deposit first and then he used the code for me to get the bonus whereas the printed term mentioned the opposite step ( enroll promo program with the code, made direct deposit requirement to get bonus ). ( the fact is even I do not make the requirement, there is nothing to do for the fact that he did not put the code as I mentioned. It is absolutely his fault, especially he told me he put it in.It turned out he did not forget but cheat to client ) Be careful of the this address, it is hidden in XXXX, Mail Code XXXX XXXX XXXX XXXX, XXXX, TN XXXX. There is not much banker, you are very highly possible to meet him and you will be crashed. 
After my several call and investigation with phone service, he finally admitted he lied to me and viewed my profile and did re-enter the code which he should do it 2 MONTHS AGO. I got confirmation message from the secure message system about the fixing problem, I have to wait 8 weeks to have the promo. ( so I have actually longer time, if we counted at the beginning moment I met the requirements ). Then I find out he made tricky to my saving account, too. He violated the FEDERAL LAW to withhold my tax in saving account. I am not US Citizen but US person, under my country - US treaty, I should not pay tax of interest at some beginning amount, in other word. I should not withhold tax, but have XXXX form for me to report tax, as any normal people did. I asked him to change the withhold setting and let me have the form, he refused to do it and mentioned I shall call IRS to do the SUNTRUST account TAX withhold setting. I asked to complaint for their saving account setting error, he made up stories for me and refused to put the words as I said. He wanted me to do that complaint form by his word ( who know what he said, he wont even let me look at his screen ) and refused to further help me. It is only because at that moment here are some white people waiting for him to help. I am XXXX, he is XXXX,, but can you not help the front people solve problem, and then try to help next one at the back? The clearly racial discrimination is the only reasonable explanation. Seriously, be XXXX % care to deal with the banker XXXX. I do not show his full name for his privacy, but you know who I am talking to if you get to that branch.

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 2017-05-11
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  accounts  XXXX  and  XXXX  have appeared on my   XXXX   credit report.   I contacted Doctors Business Bureau to complain. I was advised by CFPB to ask for the name of the doctors? who claim they were not paid. I have no evidence of this debt. I have had no bills regarding this debt and Doctor 's  Business Bureau have  refused to give me information. I talked to a  XXXX   XXXX  today who hung up on me before trying to transfer me to the voicemail of her supervisor  XXXX   XXXX .     This debt should not be reported to  XXXX  if I do n't know anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened up an account at PNC XX/XX/XXXX when I got my second job so that I could put money into that account and save easier. So I set up my account so my direct deposit would go into that account. Well I never had more then XXXX in the account. XX/XX/XXXX was the last time I took out {$100.00} leaving me with a balance of {$5.00}. Then I do n't look at the account again until I get a forged check with my name on it for {$900.00} that was put into my account. I do n't know how anyone got into my account to deposit and the bank obviously rejcted it. Then I got a letter in the mail telling me that I have a -XXXX and some change. So I go on my banking app and see that my account was hacked. So I called the bank and their response was because it took me too long to call them about the forged check that I compromised my account. So I called them up and I got the run around from them. I was told that I had to go make a police report so I went and did that at my local police deparmtnet and the policeman Officer XXXX of XXXX County police on XXXX XXXX, XXXX, told me to have the bank call them because they were unsure of twhat what had happened they did n't know why the bank had sent me there when there was nothing they could do. So I call back up, after talking to XXXX the day before to talking to XXXX now, and she directed me to the Fraud department of the bank who was told me that bank had charged it off, and that XXXX would be contacting me. And since then no one has contacte me. No one can tell me why they allowed someone taohack into my account and withdraw more then XXXX when there was little to nothing in the account. So now I am being charged with the balance that I had nothing to do with. This bank is so unprofessional

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-24
Company: PNC Bank N.A.
State: GA
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
applied for loan with P N C financial, they required I pay for loan insurance after the loan was approved and prior to funds being deposited in my bank, after they recived my money they informed me I would need to make another payment to have my approved loan clear the bank, I said no, requested a refund of my so called insurance payment and was informed to make another payment to them and then they could get me a refund of my initial payment plus a payment to refund that payment, so they have XXXX XXXX dollars and tell me I need to pay more to get the refund of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
STREAMLINE MODIFICATION - back in   XXXX   XXXX    Wells Fargo  sent us a letter saying they woudl lower our mortgage through an " in-house '' " steamline '' modification. The payment would have been {$3100.00} This would be much easier to manage. We made the payments according to what was said by  XXXX  over the phone. They claimed what was said over the phone was incorrect and did not honor what the rep had said. We had also made  2 of the 3  payments. The last payment hit before we had made a deposit. We called immediately and said we can take teh cash to a local bank to make the payment. They claimed since the check came back insufficuent they woudl not allow us to modify - even though we had the cash the next day. this seemed extremely unfair but they would not budge. If our payment was {$3100.00} now it woudl be much easier to pay.     MODIFICATION - So recently we tried to modify again and   Wells Fargo refused and simply said our situation had not changed enough.
INTERST RATE - We   have asked repeatedly for  Wells Fargo  to lower our interest rate down from 6.5 % to anything lowe r ( w hich would help us by making the mortgage payment lower ). They refused to modify the interst rate.     PMI - The appraisal on my home ranges from $  XXXX  to $  XXXX   (  depending on who you use  ).  I only ow about $  XXXX  on the home. So clearly I am below 80 %  LTV (  loan to value ) and I would like them to remove the mortgage insurance from the loan. I has asked them to do so over and over again yet they refuse. it is my understanding that they are legally required to do so once the  LTV is pr oven. Not to long ago Wells fargo appraised our home at $  XXXX  so this should not be difficult to prove at all.     If they would simply lower our interst rate or remove the PMI our mortgage payment woudl go down.     I request assistance with this matter.

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 2016-05-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
IN XXXX OF XXXX SPSERVING RESPONDED TO YOU WITH AN ADMISSION OF GUILT THAT THEY WERE NOT APPLYING MY PAYMENTS TO MY MORTGAGE AND WOULD HAVE A CORRECT STATEMENT OUT TO ME AND THAT I WAS ONLY DUE FOR THE XXXX XXXX XXXX PAYMENT. IN THE MEAN TIME I STILL DO NOT HAVE A CORRECT MORTGAGE STATEMENT, THERE ARE XXXX DIFFERENT MORTGAGE PAYMENTS AND THEY ARE STILL CLAIMING THAT I AM STILL DUE FOR THE XXXX XXXX PAYMENT. THERE IS ALSO AN OVERAGE PAYMENT OF XXXX THAT THEY ARE NOT APPLYING TO MY ACCOUNT. THE STATEMENT WILL BE ATTACHED. THEY ALSO VIOLATED THE PRIVACY POLICY ACT AND SENT ALL OF MY PERSONAL INFORMATION TO ANOTHER BORROWER. THAT WILL ALSO BE ATTACHED. MY ATTORNEY HAS SENT THEM LETTERS REGARDING THIS BECAUSE THEY SENT ME A CHECK TO PAY FOR XXXX, BUT UNFORTUNATELY THE AMOUNT THEY SENT DOES NOT EVEN COVER THE BASIC COST OF THIS PRODUCT. I AM SIMPLY NOT ACCEPTING THIS. IF I SENT A BORROWER 'S INFORMATION TO ANOTHER BORROWER, I WOULD BE FIRED ON THE SPOT AS THAT IS A TRUE VIOLATION OF PRIVACY POLICY ACT. I WAS A LOAN PROCESSOR SO I KNOW HOW SERIOUS THIS VIOLATION IS. I AM OFF WORK DUE TO AN INJURY AND NOW ON XXXX MEDICATION BECAUSE OF THIS ONGOING PROBLEM WITH MY MORTGAGE COMPANY AND I NEED TO SEE XXXX EVERY MONTH AS WELL. IN XXXX OF XXXX I SENT YOU PROOF OF ALL OF MY PAYMENTS AND MY ATTORNEY HAS THEM AS WELL. AT THIS POINT, I AM EXTREMELY DISGUSTED WITH THEIR SERVICING OF MY MORTGAGE. THEY SENT ME AN OVERPAYMENT CHECK FROM MY ESCROW ACCOUNT, SO HOW COULD I POSSIBLY BE MISSING A PAYMENT FROM A YEAR AGO???? I REALLY NEED SOME HELP HERE WITH THIS ONGOING PROBLEM. AS OF LAST WEEK, THEY ARE STILL ASKING ME TO SEND THEM PROOF OF MY XXXX PAYMENT FOR XXXX. THIS WAS DONE IN XXXX OF XXXX. I AM LOSING TRACK NOW OF HOW MANY TIMES I HAVE HAD TO DO THIS AND IS VERY DISTURBING 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 2016-08-11
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A person claiming to represent Alliance One debt collection agency called me from the phone number XXXX. They claimed I owed {$47.00} for a past due debt owed to the NY Port Authority related to XXXX. They claimed that both they and the NY Port Authority had sent bills to an address but did not give the exact street address to which the bills were sent. 

I have n't lived in NY for several years and I am unaware of any debts owed to XXXX. I suspect they are either mistaken about me owing a debt or they are making the debt up to see if I 'll pay them money. If I actually owe a debt I am happy to pay it if they will provide written proof of the debt. They should have to send proof of the debt to my address. They should not be calling me asking me for information about where I live or to verify additional information about me. It is unfair and unreasonable for them to be able to claim they sent a bill to an address where I do not live and expect me to pay the bill and whatever fees they chose to add onto the supposed bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: Law Offices Howard Lee Schiff, P.C.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I am writing regarding a Debt Collector, Howard Lee Schiff in XXXX CT. I am in receipt of a letter from the firm that they will be filing a lawsuit against me for their client on a bill that I believe to date back several years. 

They have provided no information on whom they represent as their client so I am not sure what this bill is regarding. Back in late XX/XX/XXXX I was a casualty of the financial crisis and fell behind on a few bills that I have worked to clear up. However I have not had any delinquent accounts since at least XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have just received a " Notice of Default '' from the servicer ( SPS ) on XXXX XXXX, XXXX. I believe my loan is NOT in default. 
Although my Ch.XXXX bankruptcy was discharged ( to my disbelief! ) recently on XXXX XXXX, XXXX, my case is XXXX pending the Bankruptcy Court 's decision on the Trial hearing next month, on XXXX XXXX, XXXX. The Court is supposed to Determine the Final Cure on XXXX XXXX, XXXX. 
In the " Notice of Default '', Select Portfolio Servicing ( SPS ) demanded that I paid an unreasonable, unsubstantiated cured amount in 30 days, or they will foreclose my house. The cured amount has been challenged in the bankruptcy court. The evidence of fraud, misrepresentation and other reasons will be submitted to the Court at the up-coming hearing in XXXX XXXX. 
I respectully request CFPB 's interferring to stop the abuse by the servicer ( SPS ) while waiting for the Court decision. The abuse has continued and carried on after XXXX XXXX XXXX had violated countless rules and regulations for almost 5 years. However, XXXX has MANAGED to try to cover-up by filing certain documents in the Bankruptcy Court and transferring the servicing and ( supposedly ) removed itself from liabilities. 
My loan originated a XX/XX/XXXX XXXX PASS-THROUGH CERTIFICATE SERIES XX/XX/XXXX-XXXX, modified under HAMP by XXXX in XX/XX/XXXX. 
Thank you for your time. 
Respectfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Receive Social Security Check   XXXX   Wednesday of each month, Our house payment goes in the mail the next day   XXXX   Thursday of every month, I have cancelled checks for every payment for the last 32 years,   XXXX   XXXX   XXXX   sold account to  Carrington Mort gage and we have had nothing ut problems with them every since. We have sent copies to  Carrington  Mortgage and have tried to explained that we are not past due, now they are calling  2  to 3 times a day and threatening foreclose. We have asked them several times to put the old balance that they show owing to the end of the contract and they say they ca n't. My husband is   XXXX    XXXX   XXXX   XXXX  with  XXXX   XXXX  (   XXXX   XXXX   XXXX   )   XXXX   and  XXXX   XXXX   XXXX  the  XXXX  they are causing by sending  XXXX  to  XXXX  letters weekly and calling daily is not helping him. We have lived in this house for 32 years if we were not going to pay our mortgage payments why would we be in the same place this amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Omega RMS, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am requesting validation { not verification } of an item reported on my consumer credit report. Please provide me the following information. I have included the  last four of m y social and current address to avoid any delay this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have XXXX  XXXX  XXXX credit card approved by Bank of America in XX/XX/2019. The welcome offer states that there will be XXXX AS point + {$100.00} if I make more than {$2000.00} expenditure within 3 months. 

My expenditure was XXXX, XXXX, XXXX within the first three months, respectively. 

I did so. However, I haven't received a welcome bonus until now. I called them but they always asked me to check later. So far, I haven't received the welcome bonus as they claimed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Privacy

Complaint:
Ok so when I seen discover on my report I called into discovers customer support, which then transferred me to a different department and I spoke to a very nice women named XXXX, but she could n't offer any help. She referred me to a different collection company named XXXX '' who were very rude and knew nothing. I then sent a email to XXXX XXXX XXXX, I received a packet in the mail with some transaction history. Honestly I remember having A XXXX dollar limit and I remember paying it. In the packet I noticed the transaction history I noticed a XXXX limit and other transactions. Back in 2013 I was n't in my right mind, my XXXX. Now that I am stable, I 've noticed the account on my report and I cant remember. There are also other accounts on my credit that were opened online around the same time and I had to contact those institutes as-well and they are helping and giving me an understanding. There was a women a live in room mate that I used to have dealings with back then who just completely disappeared, and was n't here after my treatment I 've tried searching for her, theirs no information on her name XXXX when searching for her, but I have a strong feeling it was her and everything was a lie every hand I was dealt just blows up in my face and destroyed my life, for instance I simply have no need for a XXXX XXXX account that was opened under my name because I am a male. I am not saying I did n't have a discover account. I XXXX and on social security from XXXX I take and I have a hard time with phone calls XXXX. Im not the way I was before treatment. I 've called customer support because I remember being a customer and how sweet and nice everyone at discover is not like that with me anymore. I was never aware of owing money and I want to know why discover was not there to offer me help or work out some plan back then. Discover you are giving me XXXX. XXXX time I called " XXXX '' told me to contact XXXX '' number XXXX a rude company that had no knowledge of me. Then called discover again and was referred to call XXXX number XXXX this company does n't exist. Then in the packet XXXX XXXX XXXX sent me it says call XXXX number XXXX. My credit is messed up because I was not responsible with my personal information when we had live in roommates and I would just leave credit cards and SSN card anywhere and I do take full responsibility for that, BUT discover is just passing my information to company to company and me having to call places passing my social security number to fake company 's or god knows who, but i really liked discover and they never offered to help me, I never knew what was going on I thought it was paid. I use to get calls for card protection everyday which I remember getting and I always thought it was covered. I just wish they would remove the charge off because i do n't feel i owe then a whopping XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: WELLS FARGO & COMPANY
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
They added insurance without my permission and will not take it off the account. I sent them a fax that the auto was not insurable and they have not responded for two years. They now say the loan is delinquient.

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 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, I realize that there were some inquire that were on my credit report and then they were all deleted off and then all back onto my credit report without giving me the legally written notice that is required 5 days prior to them re-adding them. If Transunion had a computer glitch that 's TransUnion 's issue not mine. I did reach out to them on three ( 3 ) different occasion regarding this issue, once in writing and two times on the phone. I explained everything and asked them to delete the inquiries that they had illegally re-added. I am aware of the detriment of an inquires and the damaging affect of my credit score, I am upset that I have to even put in this complaint. Transunion is not about the consumer but about the companies that pay them to report derogatory information. My rights were violated by TransUnion.

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 2016-01-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ok on XXXX I have to declare bankcrupcy chapter XXXX while having a WellsFargo mortgage and the reafirmation proccess on this mortgage was not completed on time and ever since the bank has refused to report my payments with the XXXX credit bureaus even though I have never been late or missed a payment since I took out this mortgage in XXXX. 
What recourse do individuals in this situation like mine have? it is been very hard for me to refinance to take advantage of lower interest rates currently avialable to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was injured at work in XX/XX/XXXX and XXXX took over. I had surgery done on XX/XX/XXXX, and all my medical bills were to be paid by XXXX. They are charging me rather than the Insurance company. I have sent XXXX all the debts outstanding and they promised to pay but they are still delinquent on my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief