BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-18
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a bill payer set to be paid from my suntrust checking account on XXXX/XXXX/2015 for {$940.00} to Suntrust Mortgage, {$180.00} for XXXX XXXX, {$50.00} to the XXXX XXXX XXXX. I XXXX my bill payer service on XXXX/XXXX/2015 ( 3 days in advance of these payments being sent ). Suntrust still pulled the {$940.00} from my account and then charged me {$36.00} NSF fees for the other XXXX items after there no longer funds in the account to cover them ( these were canceled in advance of the XXXX XXXX date as well ). As a result I accumulated {$570.00} in NSF fees from debits that occurred during the processing of these previously XXXX billpayers in addition to the {$940.00} that should never have been pulled from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, I took a job at a XXXX in the XXXX, and we started renting our house in XXXX, TN. After the XXXX and XXXX mortgages reset from interest only to conventional loans in XXXX of XXXX, We started struggling to make payments on both our XXXX and XXXX mortgages with SunTrust Bank because the rent did n't cover the payments. We attempted a loan modification on XXXX separate occasions, but were denied each and every time. Each month, we sent as much as we could towards the mortgages, but continued to fall behind. Finally, we got caught up and current on the XXXX mortgage, and called today to pay over {$2000.00} in order to get current on the XXXX mortgage. Much to my shock, I was told that the XXXX mortgage was charged off on Monday ( XXXX/XXXX/XXXX )! I asked how this was possible because SunTrust has been accepting my automatic payments each month and, in fact, accepted a {$500.00} automatic payment just yesterday?! I asked how they could charge off a mortgage with no formal notification whatsoever?! The SunTrust representative told me that letters were mailed out in XXXX and XXXX of XXXX notifying me that a charge-off was possible, and I explained that I never received anything. I asked if the letters were sent certified mail. She said they had not. Then, I asked her where the letters were sent, and she gave my address for a residence that is 2 years old!! I asked her how it is possible that SunTrust has been sending statements to my correct address, but not the letters threatening to charge-off my XXXX mortgage?! She told me the home retention department did not have my current address, despite the fact that I provided SunTrust Bank with my current mailing address in XXXX of XXXX when I agreed to the terms of the mortgage resetting from an interest only to a conventional loan and despite the fact that I made XXXX separate applications for loan modification using my current address since XXXX of XXXX. So, SunTrust Bank has charged-off my XXXX mortgage without properly notifying me, and the bank refuses to accept the amount past due to bring the mortgage current because I am tried to bring the loan current 2 business days past a deadline that I did n't even know existed because non-certified letters were being sent to an address where I have not lived for 2 years! All I am asking is that SunTrust acknowledge their inadequate communication, and treat this matter like it was XXXX/XXXX/XXXX by accepting my past due amount on the XXXX mortgage to bring it current and reinstating the loan so that I can continue to make regular monthly payments ( because the rent now covers both the XXXX and XXXX mortgages ). I hope you can bring some common sense into this situation. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
Here is the story all over again, as I recall it, in early 2014, XXXX either made or partook in making me a Video DVD, but never got back with me to edit the DVD. What I wanted in this DVD was to have Pictures of Women 's shoes, of the actual items I was selling on my website. I DID NOT want Pictures of Women 's Shoes I was not going to sell on my websites. I have not used the DVD in anyway at all. Why should I to pay for services that I am not happy with? I am not happy with the service they have provided in the past and will not subject myself to such treatment in the future. I can not begin to tell how disappointed I am with this entire situation. I have tried to contact them numerous times and conveniently they are not available. I have verbally expressed my concerns and have requested a Full Request on several occasions. Agents have asserted that they will not return my money. This entire ordeal is sketchy! To date, I have yet to receive the product as described. I attempted to dispute this {$1000.00} dollar transaction with my credit card company, they simply refused to assist me. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have XXXX YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. I have already been through enough calls, emails, and irate conversations with the merchant. They should not be siding with the merchant, my credit card company should be on my side. PLEASE HELP US!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: SUNTRUST BANKS, INC.
State: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was sent an invite to sign up for a 'Bi-Weekly ' mortgage payment plan from SunTrust XXXX Went into a XXXX XXXX Florida office in XXXX 2015, the 'Personal Banker ' had to call the main mortgage office to get more information about the plan because she did not know how this new plan worked. I just received an email letting me know that I owe 2 months mortgage payments simultaneously for the XXXX month, this was never disclosed, also a late fee which needs to be waived. This now looks as though I am late and was told that it would go to credit reports if not paid. I think this is not good business and have asked to stop immediately. I was told to send a written letter in order to stop. I have faxed a letter stating this today, XXXX XXXX, 2015. Had I been properly disclosed to about the 2 months worth of payments to begin, I would have not proceeded. When I made my XXXX call today, I was told that there were 'bugs ' in the new process, 'many complaints coming in ' and ' this is a new process for us, so we are not sure '. I was also told that a 3rd party system handles these types of plans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-29
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Midland Mortgage has been consistently reporting my mortgage to the major credit bureaus incorrectly. My insurance and taxes is not a note that should be reported, just the loan amount that I am paying back. I have been speaking with them since XX/XX/2015, and nothing has been rectified.

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 2016-10-29
Company: Midwest Recovery Systems
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
On XX/XX/2016 a collection appeared on my XXXX credit report for midwest recovery sysyems for a balance of {$790.00}. This is not an expense I have incurred and I have receiced no paperwork on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: ARS National Services, Inc.
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
I had originally established a repayment plan which consisted on XXXX mo repayment plan, when I had XXXX payments left on the repayment I was in an auto accident which caused me to not be able to make the last XXXX paymen ts of the repayment plan. ARS national services did not contact me in any form till several months later by mail to enable me to fulfill the plan., The amount left was approximately {$170.00}, but now ARS is stating a balance of {$1700.00} approximately. When I spoke with a representative on the phone she stated they had called me several times but did not leave a voicemail, that the company would not leave voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Optio Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Optio Solutions LLC in XXXX California was contracted by XXXX to collect on an invoice which the vendor XXXX performed inadequate and non-completed work. Optio Solutions LLC was informed in writing twice that their attempt to collect on an invoice which was for false work. It was communicated in writing to XXXX XXXX four times that their work was incomplete and inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Van Ru Credit Corporation
State: PA
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:
Up until about 5 years ago my wages were being garnished for student loans, since that time I have remained in good standing on XXXX loans. Evidently at the time there was a XXXX XXXX loan that was not sent to XXXX the people collecting for the other XXXX loans. About two months ago with no warning my wages were garnished by Van Ruh again. Federal law clearly states they have to give me 30 days notice and I received NOTHING. After much grief I finally got the education dept to take off the garnishment. I wanted the loan consolidated with the other XXXX loans so I could just continue. Then without any warning whatsoever they garnished my wages again 2 weeks ago. I had been told by the dept. of education that before they could consolidate the loan Van Ruh would have to remove some block. When I called Van Ru they kept saying it was being taken care of. I believe they should be sued or fined.

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 2016-10-26
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to file a complaint against Fay Servicing out of XXXX, TX. 
My loan transferred to them on XXXX XXXX, 2015 from XXXX XXXX Bank. XXXX XXXX transferred my loan with a lot of unanswered questions. 
I would like to know why my mortgage amount went from XXXX to XXXX, making it impossible to pay? Is that even legal? 
Also I met with some of President Obama 's Representatives from his XXXX Program at XXXX XXXX and XXXX in XXXX. They said that my mortgage was XXXX of the worst written ones they have ever seen. They said I bought my house for XXXX and have paid a quarter of a XXXX dollars for it so far and to make matters even worse, there is a balloon payment, a final payment for the entire amount of the note. How can my last payment be my entire amount of my mortgage? How could I even ever pay that? I 've paid XXXX for 15 years and owe more now than I 've even paid. How is that legal? They said it was purposely written so that I would never own my home. 
They also showed me where XXXX refinanced my loan twice and the XXXX settlements show my student loans being paid TWICE, totalling XXXX that are still on my credit report and never got paid. Where did all that money go? 
Why is it that no one is accountable for this? 
I ca n't get an answer from XXXX and in trying to, they escalated foreclosure against me. 
I have statements upon statements with astronomical fees applied for who knows what, since I have never been able to get an answer from XXXX. 
Fay Servicing says I owe XXXX. I 've already paid XXXX for a house I bought 20 years ago for XXXX. 
I ca n't get any answers from Fay Servicing and in fact they have escalated foreclosure against me. 
I am a single mother, I can not afford to hire an attorney to straighten this out and am very fearful that they are going to steam roll right over me and take my house since they have already started the process. 
I also reached out to the XXXX for help. 
Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: SYNCHRONY FINANCIAL
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am a victim of deceptive advertising on a " care credit card '' for dental for my daughter. I read the pamphlet as well as my husband did. We applied for it with my sister as a co-sighner ... I have paid on this credit card for years ( approx. 9 ) years I borrowed approx. XXXX. I paid on this card a min. payment just to find out I had to pay by a CERTAIN TIME!!!. They added XXXX to my balance ... years later my balance is still XXXX dollars. I certainly would not have gotten this loan knowing what I know now.!!!! Please help me I want this loan gone I have paid for the XXXX 3 times over im done ... I feel so cheated. who do I go to. I was going to contact a lawyer not sure. 

XXXX XXXX ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hospital is reporting collection on my credit report. I have disputed and investigation has only said verified. I have never received a bill, phone call, or inquire from the hospital concerning this bill. The date of service is reported as XX/XX/2013 but I did not have service at this hospital on this date. I requested proof of debt in my dispute and it was never provided. It continues to show on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I found several ( XXXX ), derogatory accounts on my credit report that are older than 7 years. I have been a lazy credit keeper concerning my credit reports and assumed, by my mistake, the credit bureau would automatically remove ones over 7 years old, they have not. I read I have the right for their removal, and that 's what I am asking. There was a discrepancy some time ago, but I do n't remember when.

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 2016-08-04
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
No problems accessing XXXX or XXXX annual credit reports through XXXX. However for the last 3 years I have been unable to access my report from Experian. Each time I get the message " A condition exists that prevents Experian from being able to accept your request at this time. '' Searching online, I see many others have the same problem.

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 2016-08-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian altered my personal statement that I requested be placed in my credit file. I complained and they said the statement placed in my file is the same as I requested, which it is not and is proven in the attached documents.

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 2016-06-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX posted on my credit report {$1300.00}. I spoke with the collection agency XXXX XXXX in XXXX 2015 to settle my account. XXXX XXXX offered me a settlement of {$790.00} which includes two payments of {$390.00} to be ACH from my checking account per XXXX XXXX. One payment of {$390.00} was deducted from my account XXXX/XXXX/2015. the remaining payment of {$390.00} was supposed to be deducted by ACH as well on XXXX/XXXX/2015. Payment was not deducted. I called XXXX XXXX and received only voicemail each time. XXXX decided to send my account to another collection agency ( XXXX ) to come after me for the remaining balance of {$910.00}. Credence posted immediately on my Experian credit report {$910.00} after sending me an offer settlement of {$850.00}. ( in which i had already settled with XXXX XXXX ). I forwarded XXXX the attached documents that a settlement and payment was made through XXXX XXXX and another was supposed to have been made on XXXX/XXXX/2015. XXXX asked that i forward the information to the email they provided me. I did and now they are requesting the additional payment that should have been made in XX/XX/XXXX in order for them to remove the incorrect balance off my credit report of {$910.00}. What seems to me is that XXXX is using different agency to collect from me after settlement has been made. I have uploaded documents in reference to this complaint and hope you can assist.

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 2016-05-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed an item with Experian that is too old to be reporting, As of today they refused to acknowledge my request of reinvestiating the item to be too old to report.

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 2016-09-15
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied for a loan with my bank First Citizens Bank based in XXXX, NC. I went into detail concerning my background, provided documents of adequate income, and explained what could be interpreted as errors on the credit report. I had special situations from one event nine years ago that placed several negative events on my credit report that looked like numerous situations. I had no current debt. They denied me for the loan due to an " open bankruptcy '' and stated " when that is closed we can re-evaluate it and help you establish a credit history ''. I replied that I did not have an open bankruptcy. There was one that showed on the credit report of some agencies which was withdrawn after filing and it is listed as " dimissed '' - it never happened. I requested the specific reasons why it was denied and what I had to do to get an approval under their system. They never replied back to me. They have never sent me the written notice after 30 days notifying me my loan was denied, the reasons for denial, what sources they used for the denial, and my rights under the Fair Credit Reporting Act. I called to the main credit customer service phone line that interacts with the underwriters and asked to appeal their decision and talk directly to the underwriter to explain this, and was repeatedly told it did not make any difference. Whatever the credit report said was what they went by. Until the credit report said something different, they were not approving any loan and I could not appeal to an underwriter. This is wrong. I need to have some credit in order to get my credit score up. I have no debt and no credit cards or commercial loans in the last 7 1/2 years, while also running a business. I need to get this personal loan, a credit card and auto loan to start having a payment history built up which would raise my FICO score to allow me to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received notice from Florida XXXX XXXX/Dovenmuehle mortgage that my loan was being transferred to them for servicing effective XXXX/XXXX/2016 and that my present service provider ( XXXX ) would no longer accept payments. So I stopped payment to XXXX ( cost {$25.00} ) and sent a new mortgage payment to XXXX/Dovenmuehle. When I called a week later to follow up on it, XXXX/Dovenmuehle HAS NO RECORD OF MY NEW ACCOUNT NUMBER!! Even though they printed it on the very letter they sent me. Then, customer service tells me that it will probably take them another week to establish my account! Are you serious? They assigned an account number in the late notice they sent to me but do n't have it set up?? WTH?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Rent Recovery Solutions
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I signed a lease with my daughter in 2015. I received a demand letter from the apartment and replied immediately asking for more information. They did not respond and sent the file to collections. Rent Recovery contacted me XX/XX/XXXX and started reporting the collection on my credit report even though I have communicated my position in email and on the phone. They refuse to review my argument and have told me that the apartment does not have to provide any proof of the damages. 

I do not feel I have any responsibility for the debt and my argument is documented in my XX/XX/XXXX email to Rent Recovery. Please review the attached emails.

Company response to consumer: Closed with explanation