BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: FIRSTBANK PUERTO RICO
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I not allowed to open any checking account at any other bank because they Report wrong information to XXXX I have be calling to fix this by phone but they hang up and don't return calls. They make a report to XXXX on XX/XX/XXXX of an closed account since XXXX after a month I ask for a Mortgage Modification with them. They asking me to open a Checking account and they know what they did on purpose. Please I need to open a Checking account to put my Earnings on it and be able to have access to Monthly Bank Statements and make a Financial Statement for First Bank Mortgage Modification. Please make them fix this. They have be Harassing me for years.

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 2016-10-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I ca n't get my report online because of ilgetting answers wrong when it checks my identity because it 's not accurate so it 's easy to see why I got it wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: National Enterprise Systems, Inc.
State: PA
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 set up a payment plan with them a year ago. They took the initial {$750.00} and put it toward interest instead of toward the principal. I now pay them {$150.00} per month and all of a sudden I got hit with a {$140.00} fee in XXXX and no one can tell me what it is and I have n't received any call back once I 've been promised that they would research the fee and call me back. It is still showing a deliquent on my credit report even though I have been making on time payments for the past year in the correct amount that was agreed upon. I will pay off my mortgage before this loan is ever paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, I filed a law suit against Midland Mortgage for an alleged loan that was in default. The case is still pending in XXXX XXXX XXXX Court. I received the attached threatening letter from XXXX XXXX XXXX ( debt collectors ) stating my home is in foreclosure as a result of the property owner 's default. XXXX XXXX XXXX did not obtain my prior consent to contact or speak to me. This is identity thief because you have my name and address and have communicated with me via the mail without my consent. The letter states " within the next XXXX XXXX days, title to the property is expected to be transferred to Midland Mortgage, a division of MidFirst Bank. Sometime thereafter, ownership of the property will probably be transferred to the Secretary XXXX ( XXXX ) ''. I dispute the letter in its entirety. What allegedly account number and loan number? Is XXXX Bank, Midland Mortgage, and MidFirst Bank XXXX in the same? This is deceptive collection. Who are you hiding behind? Are you a creditor? XXXX XXXX did not validate nor verify anything. Where is the alleged debt validation or verification? Please cease communications until the alleged debt is validated and verified and my questions answered. Who are all of these people? I will sent a Notice of Dispute and Debt Validation Notice along with a copy of the case filed against XXXX Bank, excluding my private information. If you would like to be added to the case that exist in XXXX XXXX against XXXX Bank, please let me know. If the alleged loan is expected to be transferred to XXXX Mortgage and will probably be transferred to XXXX, who allegedly owns the loan in default now? Is it MidFirst Bank? Why is a XXXX account number at the top of your letter if they do not have the alleged loan now? If they have the alleged loan now, why did you sent a XXXX employment verification form and a XXXX Occupancy Conveyance Form if XXXX does not have the alleged loan? If they have the alleged loan, they would have the information that you are requesting. Why should I send my private personal information to a debt collector? I will also add damages for the violations that you have committed against me utilizing my protections under the Fair Debt Collection Practice Act. This is fraudulent, deceptive collections and a threat against me as a natural person, consumer, and creditor.

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 2015-10-07
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Private lender, expecting payments of XXXX a month. When I only make XXXX a year. Spoke with lender, told her I was still interviewing for a higher paying postion that this payment is outside of my income bracket. She refused to listen and said that I am expected to make the payment of {$340.00}, said she could n't make any payment changes. We both got irate and hung up. I am not saying I will not pay, I just need a lower payment ... and she did n't seem to understand that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Credit Card Acquisitions Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2021 I was called by a female associate who worked for a company named Foster And Monroe. She started off the call by saying she was looking for XXXX XXXX and I asked if I could confirm my social. 

I asked her was she attempting to obtain " location information '' as outlined in 15 USC 1692b. She stated yes and that she needed to read a statement that stating that this was an attempt to collect a debt and any information obtained can be used for that. 

I asked her was she stating or implying that I owed a debt. She stated, " Yes ''. 

This is where one of a few federal violations began. Pursuant to 15 USC 1692b states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; Violation # 1. 

I told her that I didn't owe any allege debt nor did I have any obligation to pay an alleged debt. I asked her how did she get my phone number and location information. 

She stated her client provided the information to them. Again, I never gave written consent for Foster and Monroe to contact me. 

Violation # 2 Pursuant to 15 U.S. Code 1692c I let the caller know that she was calling me on my cell phone as I was going into a meeting. The time of the call on XXXX XXXX  phone number was very inconvenient. 

Violation # 3 Pursuant to 15 U.S. Code 1692c ( 1 ) It was at this time that informed her that she was breaking and continuing to break multiple federal laws. I once again restated that I have no obligation to pay an allege debt. Additionally, I told her I would invoke my right to refuse to pay this allege debt. 

She told me that she would write it down that I was refusing to pay and that I should stop getting loans that I can't pay for. 

This was an insult to me and deemed obscene and abusive which is another violation pursuant to 15 U.S. Code 1692d. 

There were a minimum of 4 known violations on this call. I am invoking my right to receive my specified remedy and compensation for each violation of {$1000.00} per violation pursuant to 15 USC 1692K. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: AES/PHEAA
State: IL
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 have had multiple issues with FedLoan. First, I am required to use this servicer, as I am enrolled in Public Service Loan Forgiveness. I did not have these problems with my previous servicer. 

I am on the Income Based Repayment Plan as I can not afford the Standard Repayment plan on my salary as a XXXX. I was shocked today to discover that my checking account was overdrawn, and when I looked into it further, I realized it was because FedLoan had taken nearly {$1200.00} from my account without my authorization. My normal IBR payment is around {$250.00}. 

I called and they told me I was sent a notice that this change would happen. I never received either a paper or electronic statement stating I needed to do anything for my IBR plan, or that my payment was changing. They then told me I would have to try to dispute the charge with my bank to try to get my money back. My bank was confused, and wanted them to reverse the charge. FedLoan claimed they were unable to do that because they had sent me a notice. I explained that I never got the notice, but it did not make any difference to them. I am now overdrawn and have no guarantee I will get that money back. I live on a tight income, and this is devastating. 

In the past they were totally uncooperative when I asked for them to change my payment due date. I told them on the phone that I was unable to make the payment on the date they assigned me, but they refused to change it. The reasons provided here were vague, and they told me it was connected to my IBR application, and that I would need to go into forbearance and request a new IBR - something very convoluted. My payments were consistently late because they refused to make this change, and I later found out that those late payments are not credited to my account towards my Public Service Loan Program payoff. This represents a significant number of payments stolen from me. 

I have attempted to contact them via their website multiple times over the years and received no response. When I would call and get an operator, half the time they said they would send a form to me it would never arrive. 

I am at the end of my rope with this company and I am locked in with using them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: CIS DIRECT LENDING
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my VA mortgage to get a lower rate and my overall loan balance has increased and payments are higher than they were when I originally got the loan. I tried getting it resolved and understand there is some costs but it seems odd to me every time I call I get passed to a different person with no solid answer to why it cost so much and how to lower payment if nothing has changed in tax value. The principal balance is high and majority of my payment goes to interest not the principal. I cant afford to keep making this payments and currently facing possibility of being involuntary separated from army due to force reductions. I am unsure what to do next trying get my payments lowered and some of the fees waived.

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 2017-03-14
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Reviewed credit report and discovered a collection : CMRE Financial Services for {$260.00} for emergency XXXX XXXX. 
I am disputing this debt unless the collection agency is able to validate the debt. 

I did not receive a notice that any medical bill was outstanding and then all of a sudden a collection was noted on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Complaint on Wells Fargo BankI caution anyone attempting using Wells Fargo Bank for a home loan or applying for modification! After a family hardship and falling behind on my payments, I started seeking a loan modification from Wells Fargo Bank, starting over two years ago. In this past year I was denied XXXX complete times, getting XXXX complete different reasons after each appeal. My first denial I was told by Wells Fargo I owned a company and made too much money. ( I have never owned a company in my life. ) The second denial was because I did n't make enough money. ( I know by the guidelines I do. ) Then I got denied once again because I have equity in the home. While speaking with Wells Fargo employee two days ago, they came up with another reason stating, " It is a interest bearing loan '' and " The loan is too far behind for modification ''. I have also been told by Wells Fargo employees such statements as " If your modification comes across my desk again, I 'm not dealing with it ''. Another statement by a Wells Fargo employee was, " That its important that I make my house payments or I would not be in this position ''. I feel these statements were very inappropriate! I feel that if Wells Fargo would of been legitimate this modification could of been done a year ago. Now I have a sell date on my home on XXXX/XXXX/2015. I am meeting with lawyers on XXXX/XXXX/2015 to see where I can take this. I 'm not asking to live anywhere for free. I just want to get back to making my payments and keeping my family in my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: SUNTRUST BANKS, INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I co-signed for a auto loan for my daughter XXXX with suntrust bank. Then approximately 2 years went by and I was trying to get a mortgage to buy a home through another bank, and when they checked my credit I had a bad score because of a late payment filed by sun trust bank. Sun trust bank did not contact me to order me to make the payment. If so I would have promptly paid them. They put out a damaging report however as if they had.

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 2016-12-02
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am currently XXXX. American Education Service ( AES ) has sold and defaulted a private loan on XX/XX/XXXX no notice was received. AES is stating they are no longer servicing this loan while reporting a {$38000.00} debt while the account balance on their website indicates a {$0.00} balance. In addition, the loan original balance was {$15000.00} while AES reports the loan about to be approximately {$38000.00}. The {$15000.00} loan was under forbearance XX/XX/XXXX to XX/XX/XXXX. During the forbearance period AES more than doubled the loan amount to approximately {$35000.00} on XX/XX/XXXX. This loan was also approved for deferment from XX/XX/XXXX to XX/XX/XXXX -- this loan was sold off during the deferment period as a charge off delinquent debt on XX/XX/XXXX. In addition, I should have been covered under SCRA protection due to military service XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. I have attempted to contact AES several times with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: SUNTRUST BANKS, INC.
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
In the process of refinancing my house with suntrust mortgage company I was providing all the documents required and following all their instructions to have my house refinanced. The whole time I was being led to believe that everything was on track. during this time I was told that I need an appraisal on my house and that cost XXXX. Everything is on track I believe. I would call suntrust to follow up on the progress of my refinance and was told that paperwork was being processed. Approximately two weeks after the appraisal someone from suntrust called me and said that I was denied to refinance my house because my income to debt ratio was to close. I had never spoken with this person during my refinance process and he could not answer any of my questions. I called the agent I was working with and had to leave several messages before he would return my calls. When he finally called me back I explained to him that they should have known I was approved before they took my money. I have spoke with other lenders who said they should have never taken my money until they knew the deal was going through. My agent at suntrust assured me that the money would be refunded to me within seven to ten business days. It 's been over two months now waiting for my refund. Every time I call suntrust I get an assurance that the money is on its way. I have been very patient but I feel like their giving me the run around. The last time I called he told me that the appraiser is sending me the money but I have yet to see a check in the mail. I spent almost XXXX with no service provided. I think it 's wrong, illegal and very dishonest what they are doing and how they handle their business. I would like my money back so I can use that to go a different route in refinancing my home. During the process there was never a change in my income or credit. They had all the proper paperwork with my income/debt. With that information with them they should have been able to determine weather or not my refinance was going to go through before they charged me for the appraisal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
As you know reporting inaccurate information on my report is against the FCRA and if you do not have any written information to where it shows my consent to do this I ask you remove it immediately. 
Us Dept of Ed XXXX {$1200.00} Us Dept of Ed XXXX {$3400.00} Us Dept of Ed XXXX {$4800.00} Us Dept of Ed XXXX {$5300.00} XXXX XXXX {$0.00} As you know reporting inaccurate information on my report is against the FCRA and it needs to be removed Immediately if you do not have any written documentation of my consent to this I ask that it be removed immediately i can not gain in my life its really slowing me down.

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 2016-01-05
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On Sunday XX/XX/XXXX I incurred a restaurant charge on my debit card for {$61.00}. I at the time had an outstanding balance in excess of {$200.00}. This item was listed immediately as a pending charge. On Tuesday XX/XX/XXXX I submitted a return for a purchase that was credited {$22.00} to my debit card from where I returned an item. This credit did not show until XX/XX/XXXX. I also purchased an item for {$8.00}. Again I had an outstanding balance of at least {$200.00}. This item also showed up immediately as pending. On XX/XX/XXXX I had a utility payment to hit my checking account in the amount of {$210.00}, leaving my balance of approximately {$7.00}. It was at this time that the debit charge from XX/XX/XXXX & XX/XX/XXXX were applied incurring XXXX overdraft fees in the amount of {$36.00} each. Due to the holiday a pension check was delayed by a day causing my funds shortage. My issue with SunTrust bank is they debited the largest amount first causing me to have XXXX overdraft fees as opposed to a single overdraft fee for the utility payment. This is not the first instance of SunTrust Bank manipulating the check register to pad fees from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: AES/PHEAA
State: DC
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:
Over the last three years that I 've been in repayment for my student loan, I 've had continual issues with the competency of Fedloan Servicing, the loan servicer that holds my federal loans. On multiple occasions I 've been confronted with issues in their online system, including missing direct debit payments which they 've then tried to charge me late fees for, and without notice increasing the direct debit amount by XXXX dollars when it should not have been increased ( i.e. my monthly amount due has n't changed, they just randomly increased the amount they took out of my account ). Their customer service is rude and unhelpful without fail. All of this has led me to lose all confidence in their ability to service my loans. If these seemingly simple issues are happening, what is happening that I 'm not aware of? If they ca n't do something simple like process a payment correctly, why should I have any confidence that they 're handling more complex things like compounding interest correctly? They are horrible all around and I hope they are seriously investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: AES/PHEAA
State: AK
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:
Changed payment plan thru fedloan based on income and on the federal service loan foregiveness plan which only counts if you make 120 on time payments. I have had money directly withdrawn every time for the past 4 years even when changing plans. This time they did not withdrawn payment and indicated had to be done manually. I called as I noticed it has not been withdrawn. This was not clear in letters and is misleading. Had I not called, my payment would have been late and I may not have qualified for the plan.

Company response to consumer: Closed with explanation