BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: FC HoldCo LLC
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:
I contacted XXXX over the phone after I discovered fraudulent credit inquiries on my credit report. The XXXX representative that answered the phone informed me I needed to contact the creditor directly. However I had already reached out to the creditor and the creditor informed me I needed to contact the credit bureaus. Therefore I immediately informed the representative that I had already reached out to the creditors and I informed her I was frustrated at this point because I felt like I was getting the run around and nobody was helping me solve this situation. The representative stated she needed to transfer me to the fraud department. Once the XXXX representative transferred my call to the fraud department I went over the fraudulent credit inquires listed as followed : XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX with the representative and was told my dispute had been opened. It has been more than 30 days and I still see those credit Inquires on my XXXX credit report. It has been very difficult getting this resolved and I just want to make sure these fraudulent inquires are removed from my credit 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 2016-01-14
Company: Metes & Bounds Title Company
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I recently closed on the sale of a house in XXXX. I was due money back from the sale and received my check in the mail. The check did not match the amount " due to seller '' on the attached XXXX seller settlement statement. When I asked the title company I was told the missing amount of {$830.00} was for the owner 's title insurance. Upon reviewing my closing paperwork there was no mention of a cost associated with the title insurance. I did sign the attached sellers affidavit but again there is no mention of a cost on the page I signed. In the attached email, the title company says that I signed the XXXX statement instead of the closing disclosure and that I was still obligated to provide the title insurance. And that it was a " learning '' on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Every time I submit a rebuttal to my complaint against suntrust, my complaint is closed. This is completely unacceptable and I expect a response from suntrust regarding my rebuttal to case number XXXX. My complaint needs to be reopened and never should have been closed. This is completely unacceptable! I thought this site was for CONSUMER PROTECTION. Every time you close my complaint, you 're protecting the unscrupulous mortgage company!!

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 2016-01-28
Company: AES/PHEAA
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I submitted a complaint to cfpb in XXXX of XXXX against National Collegiate Trust - Case Number XXXX. The response I received was not from National Collegiate Trust ( NCT ) ; it was from AES ( American Education Services ), who wrote to tell me that NCT was the collection manager and AES no longer had another authority to alter or negotiate the terms of my loan. Why did AES respond? I obviously knew they were n't the ones reporting it on my credit report, or else my complaint would have been directed to them. NCT is the one that is reporting my debt incorrectly. In addition, I would like validation of my debt with NCT, including a printout of all the activity on my account since they have taken over as servicer. I need this because I am disputing the balance they are showing on my XXXX Credit Report. My mother paid somewhere in the amount of {$18000.00} on this loan when NCT starting harassing her in the beginning of XXXX, so I know there is not a balance of {$22000.00}, as they are reporting on my XXXX credit report. In fact, the original amount of the loan was {$22000.00}, as you can see from the attached credit agreement, and I made payments from XXXX to XXXX in the amount of {$230.00} ( XXXX payments ), so it 's not possible that I have a balance of {$22000.00} as NCT is reporting. I believe my balance is {$.00}, as they have always previously reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
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 setup a repayment plan and was making the required monthly payments and then my credit is hit with a 90 day delinquent report from my school loan. After speaking with a couple of representatives I was told my plan expired without my knowledge and I should have been paying twice what I was paying for over 6 months! I wrote a credit dispute to my school loan as instructed to remove the delinquent report and have since applied and have been approved for a new payment plan but my school loan denied removing the delinquent report without providing an explanation. I am submitting my 2nd dispute to get this resolved. I am trying to buy my XXXX home and this report has dropped my score over XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Disputes XX/XX/XXXX. Got run around and gave up. 
This year realized it is affecting my credit report. XX/XX/XXXX opened an investigation/inquiry for payment history prior to XX/XX/XXXX and disputed with credit bureaus. 
XXXX XXXX started to investigate again. Sent a letter to XXXX complaint # XXXX filed XXXX/XXXX/XXXX hoping they would respond. 
I received a letter from XXXX XXXX, VP Loan operations at AES dated XXXX XXXX in response to the complaint with XXXX. 
XXXX XXXX recommended in the letter I call XXXX XXXX XXXX at XXXX, which I did. XXXX than directed me to National Student Loan System at XXXX - XXXX than directed me to XXXX XXXX XXXX at XXXX - they directed me bank to to NSLDS at XXXX. XXXX directed me to Student Loan Support at XXXX. 
I called XXXX and disputed it several times with the XXXX credit bureaus. Each time the reply is " Information has been verified with NO DETAILS ''. 
I redisposed XX/XX/XXXX & AES wrote me a letter XXXX XXXX XXXX - just XXXX replied they sent me a mailed me a formal response. 
Follow up on XXXX XXXX, XXXX - Spoke with XXXX regarding conference call - She sent a request for XXXX ( they work on behalf of XXXX ) for a settlement offer - put in on XXXX XXXX, XXXX. XXXX XXXX they still have n't come to a decision. 
Client relations is once again talking to XXXX. 
XXXX XXXX is checking with Client relations and Lender Representative team. XXXX XXXX, XXXX is required complete date. 
Account is in forebearnace until XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: AES/PHEAA
State: OH
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 filed a complaint With CPFB on XXXX ( XXXX ). Not only did they not address the issues I presented in my complaint, National Collegiate Trust revised my report to add even more incorrect derogatory information. They now show that this student loan was a charge off. This loan was NOT charged off. On the contrary, this loan has been PAID AS AGREED since its inception. It is impossible to get in touch with National Collegiate Trust. The number they have posted on my credit report ( XXXX ) is not actually the number for National Collegiate Trust. It is the number of the services of the loan ( AES ) and AES told me they have nothing to do with this loan anymore. They gave me the following number to call : XXXX. This number just asks for you to leave a message. I left a detailed message but I am quite sure I will never hear from them. This loan should not be reported as a chapter XXXX wage earner payment plan - my chapter XXXX was discharged. There is NO payment plan with National Collegiate Trust, only my regular payments that were made and loan was PAID OFF. There should not be any derogatory information about this loan on any of my credit reports. If they can not get it right, then they need to remove it altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a cosigner on a student loan for my son who became financially unable to continue payments. I went to AES in XXXX 2015 with a new direct debit form and again in XXXX with the same form. They continue to debit an account that has no funds in it, and every month my son gets an insufficient funds charge ( {$30.00} - which I pay ) and every month I get a threatening letter that my credit will be ruined and then I pay online through the account I am trying to get directly debited and then I call again and am assured the following month the correct account will be debited. I do n't seem to have any options, as written and aural correspondence has been ineffective. An attorney would cost more than the bank is charging and losing a .25 % interest rate just adds additional long term cost to the payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06
Company: AES/PHEAA
State: VT
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 applied for a different income-driven repayment plan through FedLoans. I was already on an IDR but was eligible for a REPAYE loan to lower my monthly payment, as I plan to apply for the public svc loan forgiveness program. They told me I would be on administrative forbearance until the new payment arrangement started. They warned me that my first payment under XXXX would be bigger. I paid {$5.00} in XXXX for the forebearance payment and not two days later, they said I had XXXX student loan payment due on XXXX. They only gave me 2 day warning that I had a {$210.00} payment due! They did n't respond to an email asking for clarification. I was late paying about a week and surprised the payment was due. I wish they had to inform me of the new payment and give me at least 30 days to make that first payment. Otherwise, all is well. I just want them to communicate more clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I requested a refund of {$10000.00} of previous payments under the CARES act via online request. On XX/XX/XXXX I followed up with a phone call and the request was submitted. I was told my balance would be reinstated in about two weeks. On XX/XX/XXXX I called and was informed the refund is in progress but I've seen no new balance or refund as of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02
Company: AES/PHEAA
State: FL
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 took out a Plus loan for my son and have been making payments regularly. The loan servicer is Fed Loan Servicing with the US Department of Education. The loan is a fixed rate loan with a 25 year payment. I believe that we are in year five of the repayment. My issue is that the amount that is applied to interest and the amount applied to principal is not consistent. There are fluctuations that to me seem that the amounts to each are applied arbitrarily. Here is the payment history for the past six months. I have repeatedly asked the servicer for an explanation but to date have not received a satisfactory explanation : Payment Date Principal Interest XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Perhaps your assistance in this matter could help shed some light on this. I would appreciate any help you can provide and await your response. 

XXXX email XXXX Please let me know if you require further information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Called them several times to work out a reasonable payment option. They say that they ca n't do nothing to help me out. I am having finical difficulty at the moment. I was up to date on my loans for a good year, but now I am in a slump and they are not willing to help me out so we can resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: SUNTRUST BANKS, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I wrote them and attached a copy of the cashed check I sent them : -Original Message -- Date : XXXX/XXXX/2017 XXXX AM To : XXXXXXXXXXXX Subject : You cashed the check, but is not reflected on my a Acct - Line of XXXX { Accounts } Why is the attached copy of the check you cashed from me not reflected on my account? Please correct not only this balance adjustment, but also adjust down the interest that has accumulated on the higher balance. 

They responded with : Topic : Accounts Subject : Re : You cashed the check, but is not reflected on my a Acct - Line of Credit-XXXX { Accounts } [ # XXXX ] From : Customer Support XXXX/XXXX/2017 Hi XXXX, I hope you are doing well today! 



I understand your point regarding line payment. I have reviewed your account and see that, you have processed the line payment from your credit card. Please be informed that, you can not make your loan/line payment using your credit/debit card. Also please know that to make a payment to a consumer loan or line, use the Move Money service within Online Banking. Hence, the payment of {$1000.00} has not been posted in your line account. 



For more information regarding line payment, you may contact our Loan Servicing Department at XXXX and they will assist accordingly. Our specialists are available M-F XXXX to XXXX Sat. XXXX to XXXX XXXX. 



Have a great day! 



Regards, XXXX XXXX SunTrust Bank- XXXX XXXX XXXX Join our movement toward financial confidence at XXXX This is not my first bad experience with Suntrust . They also did this to one of my mortgage accounts, causing my credit score to be lowered, and forcing me to stop payments on checks ( costs to do so ), while not posting my payments for three ( 3 ) months.

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 2016-10-14
Company: SUNTRUST BANKS, INC.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
SunTrust Mortgage has foreclosed on my home. During this process they were required by law to give me an option to rescind ; XXXX The form was never provided to the consumer of our right to rescind at the beginning or during the process. It is important for all these alleged creditors to abide by TILA to make sure our constitutional rights are protected. We still have not received this form from SunTrust Mortgage. Where is the consumer right to due process according to TILA outside of the court. Making us aware of this situation would have provided us a proper relief rather than going through the embarrassment of court.

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 2017-02-15
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First, I never received a bill from XXXX. I received and paid both XXXX Hospital bills but this other organization never contacted me. In fact, I was not aware of any charges until they appeared on my credit report. After SEVERAL attempts over nearly XXXX years to correct the amount charged by sending an XXXX, still no change has been made. My XXXX shows the amount to be paid should be {$260.00} but the amount from collections is over {$900.00}. The smaller claim has been corrected from {$400.00} to {$86.00} but I am not willing to pay this company until all charges are correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I graduated from XXXX college in XX/XX/XXXX. I was not offered any student aid I was only XXXX at the time was unsure of exactly what I was getting myself into. I had XXXX private loans taken out from American education services. I graduated and could n't find a job in my field until two yrs later. I was able to finally start working as a medical XXXX after 2 yrs of deferments. I started working at an XXXX I was able to get my foot in the door due to knowing the XXXX supervisor. I 've been paying on my student loans since XX/XX/XXXX I was given a loan from AES for XXXX I 've paid a total of XXXX dollars only XXXX has gone to the principle and XXXX in interest. I still owe over XXXX I 've paid XXXX dollars a month. I recently was sent to collections in XX/XX/XXXX I paid in XX/XX/XXXX I was late due having my rent money stolen from me. I informed AES of what had happened and I would be able to pay them in XX/XX/XXXX I was told I had 60 days to pay before it effecting my credit I was sent to collections which resulted in my credit score dropping over XXXX points. I 've never been late paying them I feel I 'm in a never ending interest battle with AES. XXXX college did not help me with a job after school like promised which resulted in me having to defer my loan and now I 'm struggling to pay off this loan. It 's extremely frustrating that now XXXX do not need the schooling to become a XXXX now I 'm stuck paying this what feels like a never ending loan for something I could have just avoided and now my credit score has dropped tremendously due to a financial hardship that I had no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
FEDERAL LOAN SERVICING ( Account # XXXX ) This account is currently reporting XXXX delinquencies on my consumer report. FEDERAL LOAN SERVICING reported that this account was 60 days past due in XXXX 2014 and 90 days past due in XXXX 2014. This is a total of XXXX delinquencies reported in Loan # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
This account has received on time monthly payments and timely forbearance request. This account should not reflect delinquencies and should be updated to reflect never late. Also, during XXXX XXXX 2014 through XXXX XXXX 2014 this account was in an approved temporary hardship status which there were not any payments due on this account during those time frames referenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XX/XX/2006- noticed that banking account with SunTrust had been depleted by unauthorized transactions. Contacted bank of fraudelent charges and submitted police report the same day. SunTrust opened a fraudulent joint account ( over the phone ) with someone pretending to be me and then allowed all the money in the account to be moved out of my account in a three day time period. Have been fighting to receive our funds now for 11 days without much success. The lead investigator XXXX XXXX has not given affadavits in a timely manner and does not reply to e-mails, or phone calls in a timely fashion. We have only received XXXX affadavits regarding the case and are still missing XXXX. At this time XX/XX/XXXX ( day 11 ) no money has been replaced in the account. Recieved one case # affadavit at the end of business day Friday XX/XX/XXXX, notarized and scanned on XX/XX/XXXX and also sent certified mail on XX/XX/XXXX. Still have not had recieved any stolen money replaced into account. We hired a lawyer to help navigate and the company refuses to provide our lawyer with requested information.

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 2017-04-03
Company: Merchants' Credit Guide Company
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is concerning a XXXX that billed me for a full {$180.00} payment for an appointment that I cancelled. I called her office within the 24 hrs and her voicemail mail was full. I finally got thru the day before my appointment and left a cancel message. I did n't hear from her office for 5 months and out of nowhere received an invoice saying I owed her {$180.00} for a late cancel. I called and told them I had cancelled this appointment but to no avail. Today I received a bill from a collection agency called Merchants Credit Guide Co. in XXXX saying XXXX XXXX had sent the bill to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Issues on credit report are closed by the bank institution and dismissed or forgiving. Others, are medical or ambulance fees that were from a unaware circumstances and not negotiable but emergency.

Company response to consumer: Closed with explanation