BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
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:
My federal student loans were transferred to FedLoanServicing ( FLS ) from XXXX on XX/XX/2016. FLS contacted me on XX/XX/2016 to tell me they had my loan. I set up my account XX/XX/2016, and submitted recalculation paperwork the same day using the " paperless dropbox '' on their website. 
On XX/XX/2016 they informed me they had recalculated my loan and my monthly payment amount would be {$420.00} on a monthly AGI of {$1400.00}. I 'm in the PSLF program, and my payment should be 15 % of my income, less 150 % of the poverty level ( for 2 people ), and I calculate my payment should be {$170.00} per month. 
I called back on XX/XX/2016 and spoke with XXXX who said he saw the discrepancy, and would send my back loan for recalculation. I called back on XXXX and spoke to XXXX who said that they calculated it based on my gross income because they " were not tax experts '' and could not figure out my AGI. 
The deductions on my paycheck are clearly listed, and my AGI is listed as " ADJ EARNINGS ''. XXXX refused to recognize that this was my adjusted gross income, and said they would require a letter from my employer to calculate my payment. She repeatedly said she was " not a tax expert '' and would not transfer me to a manager. 
In the meantime, they expect me to pay {$420.00} on XX/XX/2016, when my payment should be {$170.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19
Company: SUNTRUST BANKS, INC.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a charge of {$140.00} on my SunTrust Credit Card. I completed the paperwork sent to me by the SunTrust Fraud Assistance Unit, which included a detailed explanation of why I was disputing the charge, and supporting attachments. I mailed and faxed the documentation to SunTrust XXXX ( XXXX ) times, but kept getting the same letter saying that I needed to provide an explanation of why I was disputing the charge. I called SunTrust Fraud Assistance XXXX times and each time I was told that they received my paperwork and they did not know why I was sent the last letter. On XXXX XXXX, 2015, SunTrust Fraud sent me another letter stating that they had closed my case because I had not responded to their letters. I called again and told them that I had mailed and faxed the information to them XXXX ( XXXX ) times and followed up with phone calls. Each time I called I was told that the paperwork had been received. On XXXX XXXX, I called again to protest the closing of my case and demanded that they reopen it. SunTrust Fraud Assistance has not taken the time to read and/or investigate my dispute. They summarily closed my account. I have right to dispute a charge on my credit card account which I did not request, authorize or agree to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a car through Santander Bank and the car was refinanced through XXXX and paid it off early 2 years early. But this is still being reported on my credit report. I have requested that it be removed multiple times but it has n't it. 
I was no longer under the agreement as I paid XXXX of XXXX XXXX. 
I would like assistance with getting this removed off my XXXX credit reports. This has been pai paid off for 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
SunTrust bank is charging me an account fee of {$25.00} a month. This is contrary to the agreement in place, based upon my overall relationship with the bank. I have complained about at least XXXX times and they take off the fee, but then the charges come back. I should n't have to call and complain every month. SunTrust should have adequate accounting systems in place to abide by their own policies and fee schedules. A recent statement is being submitted as an example.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13
Company: Texas Guaranteed
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Spoke with a XXXX who refused to give her last name-said in the garnishment department and ext is XXXX-but would not disclose her full name. Secondly, I had given written and verbal authorization to speak with my 3rd party and they refused to do so. I asked for this rule or regulation in writing they denied of course. This company is not willing to work with me and I would like for some action to be taken against this agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-28
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Left Job due to personal reason, mortgage loan was paid until then to XXXX which set up bi-weekly payments to be drafted from my account. MidLand Mortgage is now trying to foreclose on my property without showing me a valid international contract between them and myself.

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 2016-06-20
Company: AES/PHEAA
State: OR
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 had a private loan and then graduated XXXX. After I graduated I knew I had to start paying on the loan within six months. However, when they called I explained my situation ( no job, no income ) and they said it 'd be fine. I called now that I can catch up and they 've turned it over from AES to XXXX. 
I called and the only option I had was pay in full or arrange a settlement. I ca n't pay that much and fee very misled on my options. I feel trapped by this loan now and do n't know how to get out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
SunTrust breached confidentiality laws and handed XXXX pages of my personal records to my to ex-husband. I have an open case with Suntrust. I received a letter today from Suntrust basically saying since the accounts were linked he had access to my personal information even without his name being on all the accounts.

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 2015-11-08
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Suntrust BankOn XXXX the XXXX I did receive a phone call around XXXX or may be later from the bank, the lady said that they have stop a credit card charge to my account for over XXXX I did said to her that I did not purchase anything, she said card ending XXXX, I did replied that I do n't have the card for long time, she ask for my XXXX number and I did explain that I do not remember and I was driving home that as soon as I arrive I will call back, and I did, I visit on Monday the XXXX the Branch on XXXX XXXX FL , where I get the first document, I did call the branch to not paid the charges, I went back to the branch on XXXX XXXX XXXX on Saturday XXXX and I e-mail back and forward by e-mails. I contact them until I received the letter r that my claim was denied and that was not XXXX charge was XXXX charges over XXXX as I can probe to the documentation attached. They have declined my claim. I need your help to reopen the claim since that they have no provided me with any information. I am there customer for over 20 years an as a customer I deserve a better service and security on my accounts. 
I did discover that there was XXXX active Debts card on my account under my name, and that is not a regular procedure on any bank. How there is possible that under a business XXXX person has XXXX card for over a period of time. There is not security at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle and the sale contract apr rate is different from the loan company 's rate. The sale contract has the apr as 13.39 % and the loan statement shows 13.91 %.

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

Complaint:
My son and I received the XXXX Mortgage Interest Statement-Form XXXX from Suntrust Mortgage , Inc. We noted in Block # XXXX that it reported {$5200.00} as " Mortgage interest received from payer/borrower. '' We noted that the XXXX Mortgage Interest Statement reported {$4700.00}. After making all payments in XXXX and the principal on the loan reducing, we do not understand how the interest paid increased from XXXX to XXXX when the principal decreased. By letter dated XXXX XXXX, XXXX to Suntrust Mortgage Inc., I requested a complete and detailed explanation as to why the interest paid on the loan increased when the principal decreased. So far no response! Phone calls to Suntrust have been unproductive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
JP MORGAN CHASE and XXXX are DUAL TRACKING MY MORTGAGE XXXX sent me papers to help me work out a modification plan. While I was trying to work out the modification plan JP Morgan Chase was processing a foreclosure. I did not know who I was supposed to contact who I was supposed to work with to get help with the mortgage. XXXX told me that I have to work with them. So I completed applications sent forms and yet JP Morgan Chase has foreclosed without any notification to me. MY HOME IS SET TO BE SOLD XXXX XXXX, 2015. How can they lead me to believe I am getting this preapproved modification while they are foreclosing on my home. I received no court papers only the papers XXXX sent AFTER I FILED A COMPLAINT. I am at a loss what steps to take, the Attorney for Chase said that it did not matter that I was working with XXXX on a modification that JP Morgan Chase was foreclosing anyway. According to what I have read on the National Settlement they are restricted from doing this. 
The National Settlement stated that to .stop this illegal practice that I had to immediately file a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase Bank altered their overdraft protection policies, resulting in a {$34.00} overdraft fee to my checking account. Rather than move the money from my savings account to cover the {$6.00} overage ( as per their past policy ), Chase Bank in under 24 hours added a {$34.00} overdraft fee to my checking account. 

Upon going into the local Chase Bank branch to report what I believed to be a mistake, I was informed that this was their current policy. And, although Chase removed the fee, the banker informed me that he would not remove a similar fee again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts appeared on my Transunion Credit report. FTC ID Theft report # XXXX

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 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The information falsely submitted by the establishment XXXX XXXX. This information has been detrimental to me and my family. This information was submitted fraudulently and without proper inspection. Supporting information can be found in news archives, about their fraudulent activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: JPMORGAN CHASE & CO.
State: IL
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:
In XXXX I co-signed for a private student loan for my nephew to complete his college degree. He graduated in the middle of the financial crisis and had difficulty finding a job. Because of the financial crisis my husband lost his job, suffered a myriad of issues and I ended up declaring bankruptcy in XXXX. 

All debtors were duly notified and ALL debts were discharged in bankruptcy except my own personal federal student loans form XXXX school. 

In XXXX I started receiving collection calls from Chase for the loan that I had cosigned for my nephew. I sent them the discharge papers from Bankruptcy and the calls stopped. They then sold out the loan to someone else who not only started the collection efforts against me but against my nephew and reported it on my credit report. I again sent the information to the company and disputed the negative reporting on my credit report. XXXX removed it but not XXXX or XXXX, which caused my score to be weighed down significantly, caused credit declines and continues to report on my report. 

XX/XX/XXXX my nephew paid off the loan. Last year when I tried to purchase a home, part of the issue of decline from various mortgage companies was student loan reporting on my credit as a charge off. I requested a copy of my credit report from XXXX and noticed that it was reporting that I owed CHASE XXXX approx. {$8800.00}. 
I contacted my nephew to get evidence that he paid off the loan from the bank. After much back and forth, they eventually sent him a letter this year. While they had received payment, they kept reporting it on my credit report even though it was discharged already in Bankruptcy in XXXX! And the fact that I had to keep disputing this on my credit report and these morons keep telling me the balances are reporting correctly is exceptionally infuriating. They have cost me in thousands in high interest payments and declines in access to credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I got into some financial difficulty a year ago when I was laid off from my job. Now, I 'm trying to dig myself out, but XXXX of my credit card companies is trying to keep me from doing so by lowering my credit limit when I make a large payment. This means my credit card utilization rate will remain over 90 %, which is a major hit on my credit score. The low credit score then becomes an excuse for this bank and other creditors to give me increasingly less favorable credit terms. At this rate I will never be able to dig myself out of the hole I 'm in!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX I modified my mortgage. Written into the modification was a buyers incentive. " If your make your monthly mortgage payments on time, you will accrue a monthly benefit equal to {$83.00}. This amount will be applied yearly at the anniversary of your trial period plan, for 5 years. If at anytime during this 5 year period the loan becomes XXXX or more full monthly payments past due, you will lose this benefit. This includes the loss of any accrued but unapplied principal reduction benefits and the eligibility to accrue additional principal benefits, even if you bring your mortgage up to date later on. '' My anniversary for this modification was XXXX XXXX. 

In XXXX 2015 I missed a payment because my mother passed away and I had arrangements that needed to be made. My payments were made every month there after. 
On my XXXX statement due XXXX I owed XXXX and had XXXX past due with a XXXX late fee. XXXX was paid on XXXX. On my XXXX statement due XXXX it was the same thing, XXXX due and XXXX past due with an XXXX late fee and XXXX was paid on XXXX. In XXXX I received XXXX statements from Chase. The first was dated XXXX due XXXX which I owed {$1000.00} with {$2000.00} past due. XXXX which I assume was because the XXXX payment was late ). On XXXX I received a revised statement stating that {$1000.00} was due on XXXX and XXXX was past due, so the XXXX payment was credited and I was again XXXX payment behind. My XXXX payment was made on XXXX for XXXX but was not processed until XXXX. That payment was returned NSF due to a XXXX reconciliation error. Still at this point I should have been behind only XXXX payments and my XXXX payment was due. XXXX XXXX was the maturity date on my modification and the {$660.00} that I had occrued should have been payable by Chase as I was less than XXXX payments late because I had paid extra on many payments to catch up with the XXXX and make a full payment.. Chase sold the mortgage to XXXX who claims that I have XXXX in suspense. Chase will not credit me my the {$660.00}. Another payment was made to Chase in XXXX XXXX it was late but made XXXX for {$1100.00} and my XXXX and the returned payment have been sent XXXX. And all that should be due is the original late payment and my current payment. 

I tried to discuss this on the phone with Chase yesterday and they were just rude and unwilling to listen. Could you please help me? I have been counting on that {$660.00} with the balance I have in suspense to make up the missed payment. Plus I am unsure what the {$260.00} charge is from XXXX and I can not get a response from them either other than charges to transfer my loan which I do n't understand why I am paying for Chase to sell my loan. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
My complaint is Chase Amazon Visa did not address my issue in my first complaint to CFPB and Chase Amazon Visa is attempting to increase the charges to my account by adding additional interest and late fees to my account. ( See attached document. ) I have now given up hope for a charge-back because Chase Amazon Visa does not appear to care " XXXX XXXX '' XXXX XXXX XXXX tried to swindle me out of {$180000.00}. 

On XXXX XXXX, 2015, Chase Amazon Visa wrote me that they had notified XXXX credit bureau agencies ; XXXX, XXXX and XXXX XXXX that I disagreed with the resolution of the dispute. ( See attached document. ) As of XXXX XXXX, 2015, Chase Amazon Visa had not notified these XXXX agencies that I disagreed with the resolution of the dispute. 

Instead, on XXXX XXXX, 2015, I received a statement from Chase Amazon Visa which said my " new balance '' is XXXX and asked for a minimum payment of {$210.00}. ( See attached document. ) By sending me this new statement for my closed Chase Amazon Visa account ( for the original amount of the dispute ) and not alerting the XXXX Credit Reporting Agencies as Chase Amazon Visa said they would, it appears that Chase Amazon Visa is not going report me to these XXXX agencies as they said and end this horrible situation now. 

It would appear that Chase Amazon Visa is going to continue to send me statements which will incur late charges and interest indefinitely. Then Chase Amazon Visa will sell this new inflated amount to a collection agency. By doing this Chase Amazon Visa will only make this very bad situation much worse. 

Being the victim of the attempted swindle by " XXXX XXXX '' aka XXXX XXXX XXXX to take {$180000.00} from me has left me shaken and scared. 

I caught the scam before " XXXX XXXX '' XXXX XXXX XXXX XXXX could steal any money from me and alerted Chase Amazon Visa to the situation. 

Chase Amazon Visa has done nothing to stop what " XXXX XXXX '' XXXX XXXX XXXX XXXX is doing. 

On the contrary, Chase Amazon Visa is attempting to create an even worse situation by perpetuating this attempted fraud by " XXXX XXXX '' XXXX XXXX XXXX XXXX. 

I have accepted the fact that my excellent credit rating will be ruined by inadvertently becoming a victim to con artists. 

I realized what was going on in time and did not fall for the attempt by " XXXX XXXX '' aka XXXX XXXX XXXX to bilk me out of {$180000.00}. 

However Chase Amazon Visa continues to be a part of this swindle being conducted by '' XXXX XXXX '' XXXX XXXX XXXX XXXX by not ending this terrible situation and doing what they said they would do and report me to the XXXX credit agencies. 

Chase Amazon Visa continues to be a part of this attempted fraud by sending me statements asking for payment as if nothing ever happened.

Company response to consumer: Closed with explanation