BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Greetings, I am having a problem with the SunTrust Bank in XXXX XXXX, Ga. The problem involves the branch at XXXX, XXXX. and the branch located on XXXX XXXX. I had a safety deposit box at the one on XXXX which I closed out XX/XX/XXXX due to my retirement and inability to travel on base. I returned the keys and transferred the box to the XXXX location. After this the bank at the base continued to bill me through XX/XX/XXXX for {$45.00} a month. My wife thought the bill was from the XXXX XXXX. branch and paid it for the last 3 years When I rented the box on XXXX XXXX, I also opened a savings account which they deducted the rent annually. When the amount in the account dropped below the rental amt., they deducted the balance and created a overdrawn situation. They, in turn, have charged me a penalty along with some type of interest charge for approximately {$50.00} and are currently saying I own {$110.00}. In calculating the penalty, they have pyramided the bill which is against the law. 
I have closed out the box on XXXX but was told, I could not close the savings account because I still owed {$110.00} even though my wife has made three {$45.00} payments on the base box which I did not owe. They made the withdrawal and applied the penalty after the fact without notifying me and providing me a chance to pay the {$75.00} rent. How is overdrawing a savings account an acceptable procedure? 
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded to me. As can be seen in the supporting documents, I was not given credit for two {$45.00} payments. These should have been posted to the only account I had opened, the savings account at the SunTrust located on XXXX XXXX. in XXXX XXXX, Ga..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13
Company: Wakpamni Lake Community Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have now by email XXXX times asked that they stop contacting me at my office number as I am not in a private environment AND my voice mail is not private. The most recent call was XXXX minutes ago. This is becoming abusive. Each time I have advised them that it is against the FDCA for them to call after I have asked them to stop but they continue. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by XXXX XXXX, and I was never provided detail on what that balance was, or how to pay it. We contacted XXXX XXXX over XXXX different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to XXXX when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by XXXX XXXX, and I was never provided detail on what that balance was, or how to pay it. We contacted XXXX XXXX over XXXX different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to XXXX when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.

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 2021-12-25
Company: EQUIFAX, INC.
State: CA
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:
My identity was stolen and I had already submitted my identity theft report to you guys 30 days ago. It was for the account XXXX on date XX/XX/2020. Also I have the inquiries attached on the file that I would like removed as well due to my identity being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: SUNTRUST BANKS, INC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is the XXXX time I have felt it necessary to file a complaint about Suntrust Mortgage ( see CFPB case # XXXX ). On XXXX XXXX, 2015 I started the process of doing a refinance with Suntrust, which has been my mortgage company for many years. Because of my good credit history in general and with Suntrust I was told at the time that this should be a fairly easy refinance. After now making XXXX additional mortgage payments at the old rate of 6 %, with another coming due the XX/XX/XXXX, I still have not closed on my refinance. I have heard many excuses for the delays none of them involving a problem with my account. The latest incident was this week when I was told on Tuesday XXXX XXXX that Suntrust was ready to close and they setup an appointment for a notary to meet with me on Friday XXXX XXXX to sign. On Friday the notary called me to let me know that they had not received the documents from Suntrust and they were not responding to there emails. After I contacted Suntrust a new appointment was set up for the next day, Saturday the XXXX. At XXXX on Friday the notary called me to tell me I needed a certified check to cover some of the closing cost. Suntrust had never said that I would need to cover any closing cost in fact they have always said those costs would be rolled into the refinance. With the banks closing at XXXX for the weekend there was no way to even get a check if I had wanted to. In addition to that the notary made mention that my wife would need to be at signing. I have n't been married for 12 years and in fact Suntrust had requested a copy of my divorce decree which I provided, two months prior. In the mean time another week slips by as I wait for this " simple refinance '' to be completed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-17
Company: Credit Karma, LLC
State: MS
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX a leanding copany checked my creidet report and didnt know anything about it

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 explanation
Consumer complaint received 2020-04-15
Company: EQUIFAX, INC.
State: IL
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:
This is related to the following complaint already closed. 

XXXX Equifax is reporting remarks on credit reports of mine obtained from the Fair Issac Credit Corporation that state I had a " Chapter XXXX Bankruptcy and/or Closed by Credit Grantor '' for the following : Two XXXX  XXXX accounts XXXX XXXX account One mortgage account ( XXXX  ) One XXXX  account Additionally they are reporting a remark stating : Account closed by credit grantor for : One XXXX account. 

The issue is that these remarks are independently hurting my FICO scores apart from the known fact that for most of these accounts there was a bankruptcy. 

FICO has stated that remarks published by the credit bureaus independent of the acknowledgement of a credit closure negatively affect my credit scores and I would like them removed. 

I have been able to successfully obtain their removal from XXXX  and XXXX, but have been unable to do so with Equifax. They state I have to provide them some document from the bankruptcy court, which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving numerous phone calls from PHEAA. I am already under wage garnishment so there is nothing further to gain from these calls. I received a call last night which I answer and immediately put on hold. I was at work and could n't stay on the length they deemed neccassary after calling me. They called again this morning. I called back and was met with a woman with a terrible attitude. Hung up called back a second time and spoke with another woman and asked for this to stop. Was just called again the person straight told me he had nothing to say to me and nothing to resolve. Spoke to the supervisor and asked for the calls to stop. Was told they were automatic and no way to promise the calls would stop. I was also told this was not harassment. I do n't understand how not? They call me several times a day and when I do speak to them it gets nothing resolved. They call late at night and early in the morning. It is making sleep and work difficult to have so many phone calls coming at any hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to, authorize, nor benefit from the following accounts.

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 2015-09-11
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My prior complaint regarding an unauthorized XXXX XXXX has transgressed into aggressive collection by a XXXX XXXX XXXX North Star Locators XXXX. My wife as well as my employer have now XXXX received collection type phone calls regarding this erroneous account. I have received a letter from North Star telling me to respond within the next 30 days. This is my official response to them as well as XXXX. I have not intention of contacting either directly as the error is on their side, I have not authorized any account in my name through either institution. Any phone correspondence should henceforth cease. The error has been previously acknowledged by XXXX and the account was closed as a result. I previously requested some form of account validation and have received nothing but continued harassment for the past 6 months.

Company response to consumer: Closed
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion still hasnt removed item from my credit

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 2015-10-25
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to SLS Mortgage in XXXX 2015. For the duration of my mortgage between all the lenders I 've had, my homeowners insurance has been paid from my escrow account. For some reason, this has stopped, and I find out with a letter from my insurance company. I should also mention that my monthly payment has n't changed, so now I 'm suddenly paying the additional cost of my insurance. I called the lender and I called the insurance co. Both bounced me back & forth on this. In the meantime, I 've had to pay a few installments of the insurance to keep it active. But this week, I get a letter from a collection agency from the mortgage company which infuriated me further. All while I am still waiting for SLS to do research on this matter and get back to me on why this happened and what we can do. I take my credit extremely seriously, and I want my mortgage company changed. I did n't pick them, I do n't want them servicing me. I want to make sure my credit is n't impacted. At present both XXXX & XXXX report my credit at over XXXX. I have not missed nor been late with any mortgage payment, and I 'm not happy with the service of this company I 've never heard of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was transferred from PHH and I was n't notified. I do n't know who bought my loan or where to send my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the Fifth Third branch in XXXX, Illinois on XX/XX/21 to deposit two money orders, one for {$270.00} and one for {$100.00}. I asked to deposit them both and get {$100.00} in cash. The teller informed me that because I had less than {$100.00} in my checking account ( my balance was ~ {$25.00} ), I would need to pay a {$5.00} fee in order to get {$100.00} in cash. I decided against paying the fee and deposited both money orders instead. 

This was surprising and rather nonsensical for the following reasons : -How does my payment of a {$5.00} fee make it any more likely that the deposited funds will clear? 
- Money orders are practically guaranteed available, unlike personal checks. 
- This fee seems specifically in place to target low balance accounts. 
-This is a high fee compared to the amount of cash I was trying to withdraw. 5 % of {$100.00} is a 5 % fee simply to access funds a day or two earlier. 

It would make sense to hold the funds according to the funds availability policy, if they are truly concerned that the funds ( although they were money orders ) would not clear. However, allowing depositors expedited availability at a fee, is more indicative of a short term loan, than a funds availability policy, since a {$5.00} fee does not make it any more or less likely that the funds will clear ( again, we're talking about money orders not personal checks ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: United Student Aid (USA) Funds
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
These people continue to harass me and threaten to garnish my wages. In the last month they have made me submit the same information to them 3 times and each time threatening to contact me place of employment to withhold my wages even though I was still in the 12 month grace period because I had been unemployed. I do not have money to pay these people and will have to quit my job because I will not have money for gas to get to work. The following is a breakdown of my current wages and expenses. This has been an ongoing issue with USA FUNDS AND XXXX XXXX XXXX. BOTH COMPANIES CONTINUE TO HARRASS ME AND SEND ME THREATENING CORRESPONDENCE THAT MY WAGES ARE TO BE GARNISH EVEN THOUGH I HAVE REPEATEDLY SUBMITTED DOCUMENTATION THAT I BEGAN MY CURRENT POSITION IN XXXX 2015. IN THAT TIME THE COMPANIES HAVE ATTEMPTED TO GARNISH MY WAGES 3 TIMES IN LESS THAN A YEAR. 
I CURRENTLY MAKE {$36000.00} AND MY TAKE HOME PAY IS {$1000.00} EVERY TWO WEEKS WHICH EQUALS {$2100.00} A MONTH. 
RENT : {$1000.00} ( 12 MONTH LEASE ) ELECTRICITY : {$140.00} PHONE : {$150.00} ( 2 YEAR CONTRACT ) CAR INSURANCE : {$150.00} CABLE : {$31.00} ( 12 MONTH CONTRACT ) GAS TO GET TO WORK : {$300.00} ( I HAVE TO UTLIZE MY VEHICLE DURING WORK ) FOOD : {$250.00} ( I UTLIZE THE LOCAL XXXX XXXX FOOD BANKS TO OBTAIN EXTRA FOOD DURING THE MONTH ) THIS IS A TOAL OF {$2100.00} I HAVE NO XXXX MONEY LEFT TO PAY ANYTHING! 

SINCERELY, XXXX XXXX ATTACHED ARE THE BILLS FOR ALL MY EXPENSES

Company response to consumer: Closed
Consumer complaint received 2021-12-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have tried To use This service Called XXXX And they blocked the transaction and account requesting tons of documents, their request are very strange an un usual, because I already transfered funds Using XXXX In the past, so they know very well that I'm myself and stil requested personal documents and thats against the privacy law Also if internet is not secure enought, then they should go offline and stop wasting customers valuable time they Are simply a bunch of incompetents that are not compatibles with internet and the web, they Answers like robots they have serios problems with their sistem since they can request the same exact documents a XXXX times, shameless and they are also a company of arrogants with a service that isn't priced good at all, their currecy exchange rates are not good at all, at least not for this planet They have to explaine, whty they request the same private documents unlimited times, for example XXXX times, what they are doing the multiple copies of customers private documents that they stack somewere in the XXXX or XXXX, since they probably don't have the funds to pay a salary to a us citizen Also they have to completely remove my private documents from their XXXX expensive system since I will never approve and use them again they are a bunch of Incompetens and they are not compatibles with the standards availeble in this world/planet market I will send further complaints on the web when and if needed, and the complaints are also unlimited, for them complaints are like a marketing strategy, they are really a strange company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: PlusFour, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I fully paid an amount owed to XXXX XXXX, XXXX NV. However, this past week in the month of XXXX, 2020, my credit report alerted that I have a collection notice from PlusFour Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NV for {$10.00}. I contacted PlusFour on Monday XX/XX/2020 and spoke with a Rep who indicated that I have to send bank records of full payment. I indicated to them that they should verify payment but they indicated I needed to verify. I did and contacted them by phone but they didnt answer. I then contacted XXXX XXXX who verified that I had made full payment in XX/XX/2020.

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 2016-02-02
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The new mortgage servicer, Speclialized Loan Servicing did not provide me with the required welcome letter. The law requires that borrower receive XXXX notices, XXXX from your original mortgage servicer, the other from the new servicer. Unless you received a written transfer notice at settlement, your current servicer must send you a " Dear Borrower '' letter at least 15 days before the effective date of the transfer, which would be when the first payment is due at the new servicer 's address. The second notice -- a so-called " welcome letter '' -- should come from the new servicer, which must notify you within 15 days after the effective date of the transfer. 
Moreover, Speclialized Loan Servicing is engaging in the prohibited practice of dual tracking while I 'm under review for a loan modification. I was under review with the prior servicer, XXXX XXXX XXXX XXXX, XXXX and just prior to the transfer of Specialized Loan Servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan was processed at an outrageous interest rate. when everyone else was at the prime rate of 2.5 %. Also they are trying to include my son 's property on my loan. I have instructed them over and over that the lot next to me is not my property. My case is similar to the " XXXX vs Bank of America ''. I was included in this lawsuite and Bank of America gave me {$12.00} but never corrected the problem. I am paying property taxes in my loan for property that is not mine and they refuse to correct this.

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