BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
Upon reviewing my charges on my Citi Diamond Preferred Card, I noticed that my interest charge was higher than the previous months ' charges, despite any new significant purchases and the balance was being payed down. I sent a message via the online account managing center to explain the discrepancy. I promptly received a standard response on how interest on a credit card works with no attempt to even address my issue. I angrily responded, attempting to clarify my issue. I received another response, this time with only the last XXXX digits of my credit card number and nothing else. 
I then called CitiCards and was promptly hung up when a representative answered the call ( they know who I was during the automated phone prompts ). I called a second time and spoke to a representative who very confusingly mentioned that I was under a promotion that ended and that my interest rate changed. I did not sign up for any promotion and asked the representative whether or not it was legal for them to just change my interest rate without my permission or notice. The representative then denied that my interest rate went up and again attempted to explain a very simple question, and could not do so. I asked when the promotion went into effect and the representative put me on hold for at least 20 minutes. During this time, she would check with me to see if I was still on the line and I answered in the affirmative. Finally, she came back on the phone to check if I was still on the line and then pretended that she could n't hear my responses and then disconnected the call.

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 2015-10-27
Company: ARS National Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My issue is with a XXXX XXXX credit card. I fell behind on payments and then made a payment to pay all pass due amounts. Soon after that they suspended me from making direct payments on the XXXX XXXX website and would not accept payments over the telephone. I was contacted by ARS national Services and given the option to pay XXXX in full to clear the account. I paid the XXXX in XXXX of 2015 and thought all was well until I received a call from ARS in XXXX of 2015 stating I now owe XXXX. Each time I spoke with the company they insisted I owed the money. I requested explanation of the balance in writing but to date have not received a detailed explanation in writing. They only tell me it is because of interest. To date this account balance has grown from XXXX when I paid it off the debt according to paperwork sent to me from ARS, to XXXX according to the ARS representative I spoke with today. My last communication with this company was XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Prior to XXXX XXXX, I was given a {$500.00} personal check from my landlord in rejection of my rent, which I had paid her. On the morning of XXXX XXXX, I deposited that check into my account at SunTrust ; the funds pertaining to that check were made available that evening. On XXXX XXXX, I made a withdrawal of {$1100.00}, resulting in remaining a balance of {$70.00}. The following day ( XXXX XXXX ), I received an envelope wherein was a slip of paper declaring that {$500.00} was withdrawn from my account on XXXX XXXX, resulting in a negative balance of {$510.00}.

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 2022-11-17
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:
XXXX, Trans Union, XXXX disputes were submitted regarding an account with XXXX XXXX back in XXXX. I sent a letter directly to XXXX in XXXX I never received any response from the credit bureaus or XXXX. account reference # XXXX reflects a charged off account with a balance of {$2200.00}. This vehicle was sold back in XXXX I do not owe any balance nor is the account charged off. I have tried aimlessly to have this account correct to no avail.. no response has been received I need this account corrected as it is preventing me from obtaining my home loan.

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 2016-10-31
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I started working at a XXXX XX/XX/XXXX, and have been attempting to work toward Public Service Loan Forgiveness since then. After receiving incorrect advice for my first two years, I finally consolidated my loans through Federal Direct Loan Servicing, and started working toward making my 120 payments. In XX/XX/XXXX, I was trying to get ahead and actually make extra payments toward the principal. Users seem to be punished by trying to actually pay off debt through this program, as once I got ahead of my minimum monthly income-based repayment, they stopped counting my payments. The payments only register in their system if you pay the minimum and only the minimum. 

I have been submitting regular applications to PSLF each year to show that I am still working at a nonprofit. Even after doing this year after year, my statements only indicate that I have made 3 qualifying payments toward my largest loans. I have called numerous times asking them to correct this, and though they tell me they can, my statements still only reflect these XXXX payments. Most recently I called today, and was told that even though my most recent application was received XX/XX/XXXX, they still have n't gotten around to reviewing it and tracking my qualifying payments. 

Since the time I officially started with FedLoan Servicing, I have without fail made my monthly payments or more. By now I should have at least XXXX qualifying payments made toward my biggest consolidated loan. I 'm tired of calling and talking to various people ( who have different levels of knowledge ), and still not seeing any results. I have for a while felt like I have lost faith in this program, and wonder if I should be trying harder to simply pay back my loans. I fear getting to the end of a ten-year period and finding out that I will never qualify for loan forgiveness, and that in the end I will owe much more than if I were to have been paying it off little by little over that same period of time. 

I know CFPB is working very hard to try to make this system consistent and reliable, but I just do n't see the loan servicing industry coming through. Thank you for your hard work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX 2015 I realized that I might have problems paying Suntrust mortgage because the house was struck by lighting. I called and spoke to representative who transferred me several times and they completed a three way call with XXXX XXXX XXXX to provide a credit to cover the XXXX 2015 payment. A three way call with all parties stating they recorded and banking info provided to debit the account. XXXX XXXX XXXX agreed and said they would credit it and then receive the payment from me XX/XX/2015. Suntrust sold the loan to XXXX and never pulled the XX/XX/XXXX payment as agreed, Did n't apply the XX/XX/XXXX payment that I paid and submitted information to XXXX that my last payment was in XX/XX/XXXX with no insurance on the home even though it is attached to the mortgage. I only found out when XXXX sent me my first statement requesting proof of insurance that no payment had been paid to my account. When I called Suntrust they said they have no record of it even though my Bank account shows the opposite. XXXX XXXX XXXX has provided documentation twice to them. XXXX is now my primary mortgage company which a payment was made but my credit and late fees had taken a negative hit due to their negligence because they violated RESPA. XXXX said they have until XX/XX/XXXX to fix the situation which no current statements show any progress. Since they did not pay any payment I am now 2 months behind instead of current which will be currently eventually but not for a while. Suntrust has also refused to take any responsibility since they no longer own the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: SUNTRUST BANKS, INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid my car loan off with SunTrust bank in XXXX 2014. To date they report to XXXX that I owe them & XXXX. They mailed me a lien release letter & I have title to the car! They insist their records are accurate. I 've been fighting with them since XXXX, personal visit to bank, phone cal mail & fax letters! I just received a letter today stating my account is being reported accurately. Help, this is lowering my credit score! I'am at my wits end. XXXX removed this from my file, XXXX is still showing {$11000.00}! Help please, I 've paid dearly due to the real estae crash & I want this cleared up. Thank you.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: AES/PHEAA
State: FL
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:
Between XX/XX/XXXX and XX/XX/XXXX I attended a school in XXXX Florida to become a helicopter pilot. The school was named XXXX XXXX XXXX and unfortunately went bankrupt before I was able to obtain any certifications. I was still required to pay the full amount of the loan which was over {$80000.00}. Not wanting to be responsible for paying such a large amount for training I never received seemed wrong. The students filed a class action using XXXX XXXX and he negotiated a reduced amount that we would owe though the amount was still very large despite never having received the training promised by the school. XXXX XXXX received millions in fees from the student loan company as part of the settlement. I am still paying on this loan and it has become overly burdensome and I still have twenty years of payments to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2016, I was contacted by XXXX XXXX at XXXXXXXXXXXX regarding a XXXX in which I found off XXXX. Once I accepted the position i was told I would be helping by sending items to an orphanage. On XXXX XXXX 2016 I was once again contacted by XXXX XXXX with information on my first task which was to receive a check for funding to buy items for an orphanage, once I received the check in the amount of XXXX i was told to deposit it in my account in which I did so. On XXXX XXXX the funds where posted. Once I notified XXXX he changed my instructions on how to handle the funds, in which they, where to get cash from the bank and make a cash deposit into someone else account. I was very overwhelmed and told him I no longer wanted the job because he lied about the position I applied for, On XXXX XXXX 2016 XXXX then requested i deduct XXXX out of the money and send the remaining XXXX back to XXXX XXXX to opt out of the job. Being requested to do so i followed the plan as told and got a Cashier 's Check in the Amount of XXXX from my bank. Only days later to find out the Original Check he sent me was FAKE! Leaving my account in the negative XXXX. On XXXX XXXX XXXX sent me a text stating to contact him at XXXXXXXXXXXX because he had been hacked, only to realize it was apart of the scam process. I went to my local bank On XXXX XXXX 2016 and complied with the rules of making a stop payment on the Cashiers Check in which i was instructed to Sign an Affidavit and Indemnity Agreement my account was then taking out of the negative. Approximately one month later, On XXXX XXXX i received a notification that XXXX XXXX had been allowed to cash the Cashiers Check in which the funds warent intilted to her. I went back to the Local Bank and was told i would have to file a civil suit aganist her. Reminding you that i have no personal information or whereabouts of this woman but the address that was given to me by XXXX for returning the funds, and the initial account information I was told to transfer the funds to originally. I have been very stressed behind this situation and i feel as if the bank was no help at all after realizing they didnt actually put stop payment on the check knowing it was fraudulent from the beginning. Now I am drowning in debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collections agency received my account and everything was fine. They even offered to delete the account from my record as if it was never there if I paid the debt. However, after paying the debt, I could not get a copy of a letter saying it was paid. Recently, I ran my credit and not only is the file still on my report, but it is still marked as unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account with Chase Bank. They have deceptive ways of showing my available balance. Sometimes all of my pending charges are subtracted from my available balance. But sometimes a pending transaction will appear on my list of transactions, but will NOT have been subtracted from my available balance. Such that, I believe that including all my pending transactions, I have enough money in my account to cover everything. But then my account can become overdrawn, because my available balance was actually lower than what the bank represented it as being. Then they are able to charge me an overdraft fee. I understand that I have a responsibility to keep my own ledger of my transactions, but frankly, that 's why I have a modern, online banking account, so that it can do it for me. If I simply take a cursory look at my account balance, and see that a charge is listed in my pending transactions, I assume that it is reflected in, and has been deducted from, my available balance. Especially if I have XXXX pending transactions, which is very common considering how often I use my debit card. Because in the columns where it displays the withdrawal/deposit/balance for each item, if a transaction is pending, it does n't show you the balance column. So unless I add up all XXXX transactions and compare that to the actual available balance, I would n't know that I did n't have enough money to cover my account. It 's just misleading. I have been charged {$10.00} overdraft fees twice now, which is n't an exorbitant amount, but it 's the principle of the thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2005 we bought a home in XXXX, Ca. with a20 % down payment and like everyone from the area saw our home go underwater. The area jobs market also went under and you then lose your job. The next step Is missing mortgage payments. WE where working on a loan modification program with Chase and the head of this company is the despicable XXXX XXXX. We had everything working perfectly until this XXXX and his company decided they wanted more paperwork. After this run around this despicable lowlife company foreclosed and took our home away. We lost everything and these lowlifes sold our home for less than what we would have renegotiated for. They lied to the government agency that handled modifications and we where left basically homeless, some thanks for being a XXXX XXXX XXXX veteran. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was granted a judgement in the XXXX of GA, XXXX court to garnish a company 's account. Wells Fargo was provided with the court 's subpoena XXXX times. Wells Fargo knowingly provided false information regarding the existence of an account at their institution the first and second time. Their third answer to the garnishment was a notice that the party 's account was finally closed. This action is illegal under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
When I call Santander Consumer USA they state that my account is open and active, however my credit reporting is stating my account was Charged off. My payments were delinquent and upon seeing they closed my account I contacted Customer Service and paid my account up to date and had it reactivated immediately in XX/XX/2016. Agent I spoke with said my account would be active and I could go back to making regular payments. I have always had possesion of my car, it has never been taken. Since then I have made all payments early for 3 months, but account was verfied as closed. I called to discuss the account and was informes it was opened but because at one point it was charged off the reporting status would not be changed and my current up to date payments would not be reported. They suggested trading in or refinancing vehicle. If my account is active, payments are up to date, and I have never lost possession of my car their reporting of my credit status should reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened a Line of Credit with Chase on XX/XX/XXXX. This was part of my retirement financial planning. I XXXX XX/XX/XXXX. Since that time I have continually used my line of credit and also took out a Reverse Mortgage. In a letter dated XX/XX/XXXX Chase advised they were no longer offering personal Lines of Credit as a product. They said in the letter they understand access to credit is important to me. If they did understand, they would recognize the impact of this decision on XXXX. The alternatives they suggest are credit cards and a home equity line of credit. These are not viable options for XXXX. The interest on credit cards is prohibitive and not tax deductible. A home equity is also not an option for XXXX with a Reverse Mortgage. I understand discontinuing a product and/or a service. What I do not understand is Chases 's failure to recognize the consequence their decision has on their customers, especially XXXX. What I really do not understand is the decision not to offer existing customers the option of retaining their accounts. I have had this account for 21 years and now that I am left with no other recourse because I am a XXXX, they are " pulling the " plug ''. I find this decision not to " grandfather '' this product for existing customers, specifically XXXX, discriminatory

Company response to consumer: Closed