BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-11
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I XXXX was taken in an ambulance. I was told by the clinic/hospital that my Health Insurance will fully cover the ambulance ride or service. I recently a bill from a Debt collector.The amount is for $ {$710.00} ... I was falsely given information about my coverage..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent numerous letters to Chex Systems to verify or delete XXXX XXXX XXXX from my report and they have reinserted this account after they deleted it back in XX/XX/XXXX. I will be attaching the proof here as Chex System could n't verify it to begin with and still can not verify this account that 's reporting on my report negatively. I have never been notified by Chex Systems to even reinsert this and only found out when I tried to open a checking account and was denied. I will include copies of letters received and recent letters that were mailed to Chex Systems. 

Under FCRA 611 15 U.S. Code XX/XX/XXXXi ( B ) Requirements relating to reinsertion of previously deleted material : ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion -- ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I was never notified nor was I ever mailed any documents verifying this account. I 've also contacted XXXX XXXX XXXX as per the address they included and it was returned to me, copy attached. I demand this deleted immediately.

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 2017-01-12
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX sent a Notice of Servicing Transfer, effective XXXX XXXX, XXXX my loan would be serviced by SunTrust Mortgage , Inc . 
XXXX/XXXX/XXXX I called SunTrust and was told they had no information on me, my SSN or address. I was advised that I would receive a letter in the next few days from SunTrust. 
XXXX/XXXX/XXXX I called SunTrust and spoke with XXXX a Customer Service Rep. She was able to provide me with my new loan number and advised me that for a period of 60 days from XXXX/XXXX/XXXX no payment was due and the no late fees would accrue. Still no written documentation from SunTrust. I want SunTrust to provide the proper documentation as required by Federal Regulations.

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 2015-10-19
Company: SUNTRUST BANKS, INC.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, an amount of {$220.00} was moved from my checking account to my car loan with Suntrust. This was not initiated by me. I later found out from a Suntrust phone rep they moved these funds themselves. Because they did not notify me this was done, I processed a payment at the same time, also for my car payment ( the only thing this account is used for ). Given the payment was made twice, I received an overdraft and an extended one - due to a payment I did n't even initiate. 
I called to rectify this and was told it was no problem, to simply dispute the payment from XX/XX/XXXX. I stated several times that I was fine with the payment itself - it was going to be paid to the car loan eventually, it just was n't fair that I was n't given the chance to reduce my payment, as when I made my payment that was the available balance. I was told the dispute was the only way and would return the XXXX fees. It did not. 
I was then issued a temporary credit, which I of course paid right back to my car loan in good faith, as, again, all I wanted were the fees returned to pay them to the car loan as well. Instead, the temporary credit was removed, and I received XXXX MORE fees. 
Well I call and spoke a manager, XXXX, he stated he could not help. I asked for the address for executive relations and he stated that did not exist. 
Why are you actively making it more difficult for your customers to pay your own bills? This is a ridiculous business practice that you can not see that the right thing to do would be to return all XXXX fees - and then give no way to escalate higher than low level management.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: COLLECTION SERVICES OF ATHENS, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

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 2021-01-20
Company: MECHANICS BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Mechanics Bank formerly Rabobank consistently and constantly applies our monthly payments incorrectly. Causing us stress as well as unnecessary late fees & penalties. We are continually on time monthly with our payments. 
We recently submitted a complaint and got a very professional letter and phone call of apologies ; expressing that it was done in error on their part and that it would be corrected and NOT happen again. That was incorrect. They continue to apply our monthly payments incorrect, assess fees and penalties to our account and report us negatively to all the credit bureaus. 
This has been in fact happening since 2011 at which point they put us into foreclosure did not rectify the situation we ended up paying XXXX for their errors/mistakes to get our home out of the foreclosure process. 
Each time I call this institution to clear things up I am told that our account is " Restricted '' and needs to be handled by the appropriate person. 
When we go into a branch to make payments or mail in payments they are VERY consistent with applying the payment incorrectly, assessing fees/penalties sending us late notices and phone calls. What can be done for our stress over ALL these months and years! PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: AES/PHEAA
State: OH
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:
I took out a student loan to send my XXXX daughters through college at XXXX XXXX University. XXXX graduated from XXXX in XXXX ; the other in XXXX. Just as I was starting to pay the {$110000.00} loan back ; my husband ( who was a XXXX and main bread winner, as I am a XXXX ) had a XXXX on XXXX XXXX, XXXX. He had XXXX XXXX over the course of a year and a half - and had to go on social security XXXX. The loans are in my name alone, so we could not qualify for loan forgiveness. We lost our cars, our home, everything - and of course my loans went directly into forebearance. Fast forward to today. My loans have ballooned into an insermountable amount of almost {$200000.00}. I am XXXX years old. I ca n't understand why a serious medical happening would not allow me to " freeze '' my accounts ( so as not to accumulate so much interest and penalties ). This seems almost illegal and if not, definitely unfair. How can I ever climb out of this hole - a hole that through no fault of mine I fell into that I can not get out of. My credit is ruined. I ca n't even buy a small house or condo because of that. It seems that there should be medical exceptions to loan forgiveness ( if you can show proof - which we of course can. ) It hangs over my head daily - and it keeps growing and growing, because I ca n't even afford XXXX of hwat the minimum monthly amount is. I am stuck, lost and scared to death. XXXX XXXX XXXX, XXXX, Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
After numerous attempts, Suntrust and its assigns, XXXX, XXXX, continue to report a charge off on a student loan that was refunded in FULL. I have obtained supporting documents from the university that express without doubt that Suntrust is erroneously reporting a charge off to the credit bureaus, XXXX, XXXX & XXXX. I am requesting that any and all reference to this account be removed. Please see attachment.

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 2016-09-08
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have to work XXXX hrs/week to afford my monthly bill of {$550.00}. PLEASE allow me to go on an income-based repayment plan. I can not afford this rate, and can not XXXX endure working XXXX hrs/week any longer. I am happy to pay for my education and the loans I took out, but with XXXX college degrees and working XXXX hrs/week with otherwise good credit, this is absurd. PLEASE help me. PLEASE lower my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I requested my mother be released as a co-signer and AES has disapproved my request because I was once in forbearance. Both of my parents have co-signed on most of my student loans but both are very sick and will soon be on XXXX, losing about half of their income. Once they XXXX, I am concerned that the entire amount of my loans will come due. I am now married, my family size has gone from XXXX to XXXX and our income combined still does not allow me to pay {$690.00} a month in XXXX payment of combined student loans, let alone the remaining {$500.00} a month for a total of close to {$1300.00} a month plus rent, utilities, car payment, insurance, etc. They are not willing to work with me or my co-signers on anything. Its basically too bad. We have nothing they can take, to garnish our wages means starving our families, which for my parents means them not being able to feed their XXXX grandchildren they have custody of and me not being able to feed my XXXX. Things change many years after taking out loans. Life circumstances dictate whether we can make payments. Their interest rates are ridiculous. Please help. Thanks ... XXXX XXXX, XXXX and XXXX XXXX, XXXX. Please ensure call ID says who you are when you call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: AES/PHEAA
State: MO
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PHEAA offered rehab program based on my income. I receive {$1300.00} from XXXX. PHEAA garnished $ XXXX/mo for several months and then began taking $ XXXX/mo as well. I demanded they stop taking the {$200.00} as part of the rehab program but they are still garnishing me $ XXXX/mo which I do n't believe is based on my income. Also, they should be able to forgive the entire debt based on my XXXX but they wo n't because I get reviewed every 2 yrs instead of every 5 yrs. This is ridiculous XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I got a copy of my credit report from Experian and found inaccurate information listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as XXXX. Public Records cant be validated due to the FCRA Privacy Laws. If Experian cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy if the Bankruptcy Court and other agencies dont verify Bankruptcies? This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.

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 2017-03-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/XXXX at XXXX I spoke w/ pretender lender loan servicer Ocwen Loan Servicing 's representative manager, ID number XXXX. I told the representative manager that pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX all have committed years of fraud against me, and that recently Ocwen Loan Servicing employees and litigation lawyers all used fraudulent XXXX trustee sale as a weapon to coerce me into signing pretender lender loan servicers increased none negotiable loan modification settlement to avoid fraudulent trustee sale taking place in just days. I told the representative that Ocwen Loan Servicing made offer in late XX/XX/XXXX, a {$660000.00} loan modification w/ 2 % w/ {$2600.00} monthly mortgage payment if I agree to hush hush. I declined the {$660000.00} offer because I own my home free and clear. I told the Ocwen representative manager that in XX/XX/XXXX Ocwen Loan Servicing increased the offer to a none negotiable {$750000.00} w/ 3.43 % with {$370000.00} monthly mortgage payment, and that if I did n't agree to sign pretender lender loan server 's increased loan modification Ocwen employees and in-house litigation lawyers would instruct its cozy buddy XXXX to proceed w/ fraudulent trustee sale and I would of lost me home I own free and clear. I told the representative I plan on retaining new counsel " XXXX XXXX ' in the next few days, that it is costly, and that I am tired of spending thousands of dollars on lawyers to fight corrupt shady scam front pretender lender loan servicer, and that before I retain new counsel is Ocwen and its crooked in-house litigation money hungry XXXX willing to work this breakdown matter out with me, its probably a complete waist of time but I am going to just ask. The representative told me the only number Ocwen has on file for me is XXXX. I have evidence Ocwen has my correct number. The Ocwen representative, ID number XXXX hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
My son is offering to help me with my credit card bills. He 'd be able to give me about {$3800.00} and I want to apply it to my care credit with Synchrony bank. However I first wanted to know if this could help pay it down to zero. He suggest I ask for help from Synchrony.

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 2015-04-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I went to XXXX XXXX in XXXX, NY. I have XXXX and had to have XXXX XXXX so now I am on XXXX. They have been taking money out of my XXXX payments as well as taking my tax returns to pay for my student loans. When I look on the website that lists how much is still owed though it says that my federal loans have been paid in full for a few years and I have not made any payment on the private loans since 2007. I have letters from the Department Of The Treasury that shows how much they have been sending to pay for the loans each month. These payments have been being sent for over XXXX years now but XXXX XXXX has not been recording any of them. I read that you were in the middle of a lawsuit with XXXX XXXX and was wondering if you would be able to help me with the problems I am having with them as well. I had contacted the Attorney General about this in the past and a letter was send saying that I owed a total of {$3900.00}. Though on the website that list the current loans there is XXXX that says is owe over {$15000.00}. Since the Attorney General was involved XXXX XXXX has taken more then that amount out of my XXXX or reporting that any of my loans are fully paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Atlantic Recovery Solutions LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A collection agency is calling my work from the 2 below numbers and threatening me with contacting my employers. All my calls coming in and going are on a recorded line that my employers keeps. I've asked them several time to not call my work but they continue. My employer does not allow these calls and I can be fired. I've expressed this to them but they continue to call. The collection agency is saying it's a XXXX Credit Card and below are the 2 numbers they are calling me from. I need my job and I need them to stop calling my work. Please help as times are hard and money is short. I'm doing my best to hold on to my job as I know I'm blessed to have one during these hard times. 
Calling from the below numbers XXXX XXXX Last week ( XX/XX/2021 - XX/XX/2021 ) I received a call and asked them not to call my work and they said fine we'll call your employers and hung up. 

Today XX/XX/2021 - Received a call at XXXX and again asked them not to call my work. 

I'm not sure how to stop them but happy I got the call and not my coworkers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We switched carriers from XXXX to XXXX in XXXX 2016 due to excessive unresolved issues with XXXX. XXXX was offering a deal of paying up to " x '' amount of monies owed to previous carriers if signing a new contract with them. We took advantage of this deal to get out of our XXXX contract. With that said, we are now waiting for XXXX to send us our monies owed to pay off XXXX, which we have stressed to XXXX on multiple accounts. Our XXXX account was then bought by a debt collection agency Convergent who calls us multiple times daily. They call my husband multiple times through out a day and after so many calls, they switch to my phone number. Today, specifically, I made them aware that after calling my husband FOUR times before XXXX XXXX, and then calling my phone they are harassing us, in result of violating our rights per the Fair Debt Collection Practices Act ( FDCPA ) We have asked repeatedly to withhold further contact until XXXX has resolved this issue, and they still have n't let up. Today the representative told me my husband is lying, that they have NOT called his phone number, when in fact our phone records show that they have. I informed them I will be filing a complaint with CFPB as every single time I speak with them, they are rude and pushy. It has become excessive, annoying and beyond unnecessary.

Company response to consumer: Closed with explanation