BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: MIDFIRST BANK
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the record midland /Midfirst bank states that I paid {$15000.00} They also claimed to be servicing a {$33000.00} XXXX VA loan on XXXX XXXX XXXX. 
All of the 360 payments of principal interest were paid. Taxes were disbursed through XX/XX/XXXX and insurance through XX/XX/XXXX. The loan was paid off XX/XX/XXXX with a final payment of {$3400.00} with {$1600.00} escrow that was not returned to me. I want it known that approximately {$130000.00} was paid to this mortgage. It was never refinanced. I never had a second mortgage on this property. There was no security interest in any other property.

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 2016-12-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX worked with me and updated my file to current status, yet Equifax keeps reporting inaccurately. Every time I file a dispute with Equifax, this company either update as being reported correctly or find other ways to decrease my scores. Other reporting agencies seemingly take the matter serious whenever I file a dispute because they either update or removed. Equifax is currently reporting items that are passed the time frame that items can remain on file. I would like for you to review my entire credit files for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XX/XX/XXXX I filled Bankrupsy XXXX. All negative items were include in Bankrupsy and were discharged through the Bankruptsy over 5 years ago. 
On XX/XX/XXXX I ordered a Credit Report from Equifax. All negative items which were discharged, appears with CURRENT status as " Included in Bankruptsy ''. 
Even I had the Bunkruptsy, the correct CURRENT status is " Bankruptsy Discharged '' or " Discharged through BankruptsyChapter XXXX '' for all negative items. 
I have discused these incorrect statuses with Equifax twice. 
On XX/XX/XXXX I receved another investigation results from Equifax. There were no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I used to have multiple TEACH grants that I was able to retain as long as I annually provided the servicer with proof of my continued employment as a XXXX following my graduation from XXXX University. Without providing this paperwork as proof, my grants would convert to loans. XX/XX/XXXX, after a full year of teaching, I submitted the required paperwork via fax, as more contemporary methods like email were not an option provided by the servicer. I received an email confirmation that the fax had been received later that same day. 

Fast forward to XX/XX/XXXX. My husband noticed in my FedLoan account that we had a higher loan total than before. My grants had been converted to loans without any notification. I immediately called FedLoan to find out what had happened. They explained that XXXX page of my fax did not go through, and without that XXXX page they considered my grant renewal paperwork incomplete. 

I was not contacted by FedLoan by phone even once to explain that the fax had n't completely been received. A letter eventually came in the mail stating that my grants had been converted to loans, but no sincere warning was ever given. 

After combing through old emails, I eventually found one from FedLoan stating that I had a message in my account- the exact same message sent when you have a new account statement available. I rarely, if ever, checked my account statements right away, so naturally I did not sign in immediately to read the message that my fax had n't gone through. This email message was sent with absolutely no indication of any urgency, and was of course not followed up by FedLoan with any kind of phone call, follow-up email, or email to my backup email address listed in my account. 

No one from FedLoan ever made any sincere effort to notify me that the fax had n't fully gone through, and that as a result I would be incurring an additional {$10000.00} of student loan debt. It is my belief that without actual notice of a problem, there can be no lawful conversion of her grant to a loan. I have fought this for nearly a year since, and FedLoan refuses to reverse the decision and convert the loans back to grants. It 's almost like FedLoan went out of their way to avoid notifying me of the mistake in an effort to turn a liability into added revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: BANK OF THE WEST
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I bought an RV in 2006 for $ XXXX. I made installment pymts of {$630.00}. for 8 years totaling $ XXXX. My husband got sick, I gave back the RV to Bank of the West. They sold it for $ XXXX. They are now suing me for interest money! They did not lose any money on the $ XXXX they loaned me in 2006. They got it all back in 8 years and now they want $ XXXX more! HELP

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 2017-01-25
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My property is scheduled to foreclose on XXXX XXXX, 2017 and I have a good solid buyer. I owe {$860000.00} and I have a buyer which will pay the balance of the payoff. Unfortunately, I have several liens on the property and I have filed bankruptcy and had to go to the trustee to get permission to sale the property and once that was done, we had to go back to the bankruptcy court to get a motion to avoid judicial lien for XXXX liens. Once we did that we thought we had smooth sailing. However, we were scheduled to go to the closing table on XXXX XXXX, 2017 and that is when the IRS Lien came up at $ XXXX. We are now in the process of getting a partial lien release from the IRS and as you know they do not move very fast and it was relayed to me that they will not have that done until XXXX XXXX, 2017. I just need the additional time to get this closed so that I do not have the foreclosure on my credit and my lender is being unreasonable and not doing what the government says the lender should do which is provide me with an alternative to foreclosure. This is not a short sale, this is a regular sale paying off my insurmountable debt that I owe to SunTrust mortgage. My integrity has already been compromised by my having to file bankruptcy and by me losing my home, I just need a chance and some help to get this done. I phoned the lender this morning, and they had me phone the foreclosing attorney, who had me call the lender back. I NEED HELP!!!

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 2016-09-09
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I requested validation of debt dated on XX/XX/2016, company has failed to provided me with the documentation. The company failed to provide me with a notice to request verification of debt, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Unable to refinance my high interest mortgage with SunTrust bank for years because SunTrust mortgage made a clerical error on XXXX data and have not made substantial effort to correct the error. Meanwhile I kept paying Sun Trust Bank the high interest mortgage rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conn 's Home Plus is calling me multiple times daily. Just today, XX/XX/2015, they called me at XXXX, XXXX, and XXXX. They are preventing me from sleeping in preparation for my going to work tonight at XXXX. They have also called me outside the hours of XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a mortgage with XXXX XXXX in XXXX, they sold the mortgage since to XXXX XXXX XXXX. then they sold it to XXXX XXXX XXXX XXXX XXXX. then they sold it to XXXX XXXX XXXX. I am fully up to date with XXXX not late however with XXXX XXXX, and XXXX, and XXXX they are still reporting negative information about the account that is over XXXX  years of age. the 3 credit bureaus wont removed from my account its past the statue of reporting 7 years. Experian, XXXX, XXXX. I have tried to have them removed but they will not. 

XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX XXXX This item remained unchanged from our processing of your dispute in XXXX XXXXXXXX XXXX 
XXXX XXXX This item was updated from our processing of your dispute in XXXX XXXX The original mortgage XXXX XXXX is not reporting they informed me it's too old.

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 2017-02-28
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a merchant presented an electronic funds transfer ( EFT ) charge to withdraw money from my checking account using my debit card number. This charge was presented without my knowledge or consent and was not accompanied by a signature or PIN input. 

The amount of the withdrawal ( {$1600.00} ) exceeded the amount in my account. In spite of this, bank personnel put the charge through causing my account to be overdrawn. SunTrust offers overdraft protection but I elected to decline this service, preferring that SunTrust decline any transaction for which funds are insufficient. This agreement has been on record in my customer profile since XX/XX/XXXX. 

I incurred overdraft fees and authorized charges were declined. A few days later, the entire balance in my savings account was taken without my knowledge or consent to partially cover the overdraft. Subsequently, a {$500.00} credit in my charge card account was taken as well. Later, when it was time to renew my charge card, SunTrust declined to renew the charge account even though the account had a positive balance from the day it was taken out. I have been attempting to regain my charge card ever since, most recently when my XX/XX/XXXX application was declined on XX/XX/XXXX. I have been told that this may be due to " overdrafts '' showing on my account. The only overdrafts on this account were due to the fraudulent withdrawal on XX/XX/XXXX. SunTrust was notified in a timely fashion of this incident and, per bank procedure, a notarized affidavit was submitted to SunTrust fraud department on XX/XX/XXXX. 

The only party acting irresponsibly in this affair is SunTrust Bank. I am asking them to reinstate my charge card and to expunge any negative credit information referable to this incident. Thus far, SunTrust has been unwilling to do either.

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 2015-12-31
Company: Quad Corporation, Inc.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A default judgment was taken against me while I was dealing with my child 's injuries ( emergency surgery, XXXX XXXX XXXX ) from a devastating car accident. The judgment was for {$1400.00}, but I only owed {$380.00}. I paid the {$380.00}, but think it is unfair that they sued me for over XXXX times the amount I owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Kia Motor Finance company has withheld payment of a refinancing loan of my 2016 Kia Soul. I refinanced the loan through XXXX and Kia accepted XXXX payments for the car loan in the amounts of {$640.00} and {$20000.00}. For one month, Kia reported only receiving the payment of {$640.00}. I called them numerous times and they reported that the check had been destroyed, that the check had been lost and that they had no history of the check on numerous occasions. When I requested that the check be canceled and reissued by my bank, they found and processed the check. However, they applied it to a previously closed account to delay payment on the loan in question. They still have n't paid the original loan. This is fraudulent. They are not using the funds for the purpose to charge me more interest and fees. In addition, I am due gap insurance refund, which this is delaying. That should have been processed, but without them releasing the lien they will not release those funds as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: The Law Offices of Burr & Reid, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
The Law Office of Burr and Reid XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX have committed several of the above listed violations in the attempt to collect a debt. Continuous threatening letters were sent, some with false court papers attached. They threatened to send me to jail, garnish my wages, sue me and contacted old employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I am calling to get resolution in regards to a student loan taking out by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, Ga XXXX. The account number is XXXX. The company is American Education Services XXXX. XXXX XXXX XXXX, Pa XXXX. This loan I believe has me listed as a co- borrower which I am not. Also Informed this company that me and XXXX XXXX are divorced and have been since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a XXXX XXXX XXXX in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a XXXX XXXX XXXX had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We paid the last payment ( XXXX/XXXX/XXXX ) on our Hyundai Finance Account for our XXXX Elantra. We have made at least 3 calls to find out where our title ( lien release ) is. The customer service person said they sent it to our old address, which has been off our billing paperwork since XX/XX/XXXX. I asked Hyundai to re-mail the paperwork to the correct address. ( which I gave them ) I am still waiting for my lien release and our overpayment taken from our bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a car for almost 4 years through Hyundai Motor Finance. 100 % perfect, on time and slightly overpayments ( I round up to the next dollar ) each month. I purchased a new car XXXX months prior to my lease end and the new car company gave me the funds to payoff my lease. I turn in the lease XXXX months in advance in XX/XX/XXXX.. I walk into XXXX to return the lease, speak to the receptionist briefly, a representative comes out takes the keys and says, " thank you, we 'll bill you. '' I 'm like, that 's it? And that was it. I 'm an online bill payer so I 'm checking my online account and it took a couple of weeks maybe for it to update to " this car has been returned. '' About 2 weeks go by and I begin checking my online account every few days or so maybe every week or 2. No bill. No bill in the mail, no amount due showing online just, " this car has been returned. Months go by and still no bill. I do n't even know who to call and check. The next thing I know, It 's been reported to my credit as delinquent. Late fees, bogus charges. My score dropped over XXXX points and all the while the funds to pay this bill, sat in an account, untouched, awaiting a bill I was promised and never received, and from my understanding was Never sent. After almost 4 years of perfect payment history, it was overly depleted in negative reporting in a matter of XXXX months and for absolutely no reason or explanation. According to a representative of Hyundai Motor Finance, the first notice following the return of my lease was sent on XX/XX/XXXX. I spent 40 minutes on the phone ( much of which was on hold ) while this representative, XXXX his heart, was struggling to understand what happened exactly. I 'm still waiting on answers, I need answers, my credit score is in ruins, and I XXXX this endeavor is successful in seeing that this injustice is made right and wiped clean.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX contacted my parents on XXXX/XXXX/2017 demanding that I pay my debt immediately. My parents contacted me and I contacted the agency. They demanded that I pay the debt owed by today XXXX/XXXX/2017 or they would be forwarding my case on to the county. The amount owed is {$280.00} and they are stating they can sue me for up to {$3000.00} including court cost and attorney fees. When I asked why I had n't been receiving any mail on this matter they stated they had been sending it. When i requested to what address they stated an old address for me and told me it was my fault that they did not have a current address. They are also accusing me of purposefully defrauding a financial institution. I have paid {$600.00} on this debt to date. They also claim that they are a mediation service, never stating directly that they are trying to collect a debt. They also claim to have recordings of all of our conversations but do not have a phone call monitoring disclosure.

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 2016-02-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 
This item " Payment Status Late 30 Days '' reported by " XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX, XXXX as you can see on my statement attached below. The number of days between XXXX XXXX and XXXX XXXX ( 15 days ) is not XXXX as inaccurately stated and reported by XXXX. 
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed. 
Enclosed are copies of, statements and credit reporting details supporting my position. Please investigate this matter and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation