BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-14
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I use online banking for bill paying. A payment went to my son 's apartment for his rent and was apparently stolen since the facility never received the check. The funds came out of my account and the check was clearly not endorsed by the facility as previous checks had been. I called Sun Trust fraud XXXX XXXX to explain this issue. I have called, gone into the branch numerous times and still after calling today have no resolution. I had to pay the rent again since the facility needed the payment. I am out the {$710.00} and Sun Trust keeps giving me the run around as to why I was not refunded the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, XXXX, I wired {$8600.00} to a Capital One 360 account. It was posted XXXX XXXX, XXXX but the receiver advised me that Capital One wanted me to request the money be returned to my account. I submitted a letter to my bank and they wired it the same way the money was wired. I have been in contact with my bank and Capital One since then trying to get my money returned. During this time, I have learned that the recipient has a history of wire scams that I was unaware of. The last correspondence was on XXXX/XXXX/XXXX with Capital One. Their representative told me that no one had access to the money and Capital One was still looking into the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX I was recovering from a XXXX which kept me from working from XXXX XXXX. I contacted the bank to let them know my payments would be delayed till I return back to work in XXXX XXXX. Two months later sent them a check for payment and some extra to show good faith and they sent it back with foreclosure notification. I cashed out all my savings and my whole life policy and tried for 6 months to pay in full and reinstate my loan, employees stated that the lawyers were holding things up. Finally by XX/XX/XXXX I reached a XXXX XXXX whom agreed to take my money ( XXXX ) and reinstate my loan, however he took my money but did n't reinstate my loan. I called every day for weeks and then hired a lawyer whom scammed me for XXXX and is currently in bankruptcy proceedings. I was at that point force into applying for modification which I did over and over, I 'd send in papers and they would send foreclosure papers for 3-4 yrs this went on, finally XX/XX/XXXX an employee called and told me I had a modification ( truthfully I did n't care what the terms were I felt I did n't have a choice and wanted the madness to stop. ) I do n't know if they gave me credit for the monies I wired in but I know I have been paying interest on fee and penalties they tact on to my loan over that period which I feel is unethical given my situation and the many attempts I made to reinstate my loan. I sought out a lawyer recently and was told I was beyond the statues of limitations 3-4 yrs, have tried to speak with SunTrust several times but they have not been helpful. My payments are very high I will not be able to hang on to my HOME much longer especially with interest rate that will increase every yr for the next 5 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 2016-10-04
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I owed a company XXXX dollars which the balance is now down to XXXX. I missed some payments and did not answer calls. When I did answer I explained I can only pay a certain amount a month. I was threatened by legal action called pathetic by the operator.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
on XXXX XXXX i called to inform them that things that were removed had been placed back on my credit report they said they would fix it and it is still not fixed this is for my transunion account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Brelvis Consulting, LLC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I spoke with a representative at TSLHS XXXX : XXXX and requested information on the XXXX XXXX XXXX program for repayment options. The rep explained he could review my info and suggest whether I would qualify and send paperwork for the fee equal to one student loan payment ( {$640.00} ). They sent the paperwork. I completed and filed with Department of Education. They then informed me that all their paperwork and services are 100 % free and that I had paid a 3rd Party who is not in any way affiliated or authorized on their behalf to distribute paperwork to send me free documents. 
I called TSLHS to request a detailed explanation and refund based on ethics and a lack of verbal communication of this info and was denied. They simply routed me back to their website which explains things in detail. However, I was not explained this on our call and it is unethical to fall back on disclaimers posted on a site when the contact was via live call. 
The rep at TSLHS created such a sense of urgency within our call that when I asked if I could mull over the offer ( sending me paperwork via mail for {$640.00} ) and do a little research, he indicated to me that I should rush on my actions because once XXXX became president the Forgiveness Plan ( XXXX XXXX XXXX ) may no longer be available. So I completed the paperwork on the call. 
I am disheartened that a company would take advantage of people like myself who are only seeking to pay their student loans. It is assumed ( generally speaking ) that loan details are confusing for many and they prey on that fact. If at any time he would have explained that I could download forms on my own or directed me to the disclaimer on that call, I never would have spent my rent money on their " service ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
I had a subscription to XXXX. The credit card on file expired over one year ago, yet a new charge for the subscription was placed on my credit card 13 months after the card on file with merchant had expired. I called my credit card company ( Capital One XXXX ) to dispute the charge and they said since I had a subscription then I had authorized the charge. After asking how a merchant was able to charge an expired card, Capital One admitted to giving the merchant my updated card information. My credit card company provided personal information ( new card number, expiration date, and security code ) directly to a merchant and which allowed the merchant to charge an expired card. I was neither notified from the merchant that my card on file had expired, nor was I notified of the agreement between merchant and credit card company to auto-update my card information, nor did I authorize my credit card company to give my information to the merchant. The credit card company finally relented and credited my account for the unauthorized charge and I have cancelled my subscription with the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Care credit/synchrony bank had reported me twice as being late with payments. I had some fraudulent activity on this account awhile ago during there investigation I was assured nothing would be reported as late to the credit reporting agencys till there investigation was complete. The investigation was completed and was proven there was fraud in the account however I was reported twice as late on payments. I contacted them months ago and was assured they would be removed as it was an error. One was removed however the second one was not. I called again and spoke to a customer service rep who looked into it and submitted a statement for the 3 credit reporting agencies to remove that other negative late payment remark. Today I checked XXXX XXXX and that one shows 2 late payment remarks still. This is affecting my credit in a negative way.

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 2015-09-22
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
AES sent me a demand for recertification of my XXXX status in order to retain my SCRA benefits. I repled to AESthat they could confirm my active duty status at https : XXXX -- and that I was not required to recertify annually. AES retorted that they can not confirm XXXX status, so I called to fix the issue. The AES customer service representative ( XXXX XXXX ) erroneously informed me that I had to recertify, and that the issue was probably that there was no end date on my XXXX status -- I explained to her that as a commissioned officer I do n't have an end date on XXXX status. She finally transferred me to " XXXX '' who " handles the military phone calls, '' and he confirmed my status, and that he would raise my issue for review. 
This is n't the first time AES has demanded recertification of XXXX status, and I 'm frustrated with annual or semi-annual demands for recertification. DoD provides a web site to that end, and AES needs to use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is directed toward Bank of America. 

I always pay my credit card in full each month with the Bank of America Travel Rewards Card. When I paid myXX/XX/XXXX bill, I was not sure that my payment of {$840.00} went through, since I did not receive an email confirmation. 

Therefore, I paid the {$840.00} ( again ), and later on, realized that I probably paid twice. The payment interface allowed me to submit the {$840.00} twice even though it was a very specific amount, and a reasonable person would probably stop me from paying the same amount again. 

I called my checking account bank, XXXX, to stop the charge. Then I called Bank of America to make sure that everything is okay on their end, I was told that all was fine. 

Three days later, I was charged {$25.00} for a bounced check fee. I called Bank of America to see if they can waive the charge, since 1 ) it was an obvious double payment and I was not warned, and 2 ) I was already told by a customer service rep everything was fine. After spending more than 20 minutes on the phone, I was told no by two separate customer service reps who suggested it was my fault.
Bank of America should make it easy for consumers to not double-pay their bill, and to at least warn us that there is a fee involved. This should be stated clearly on their bill pay page, and the fact that it is not there is a lie of omission.

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 2022-08-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello. My name is XXXX XXXX XXXX XXXX, of XXXX. On XX/XX/XXXX my business partner and I opened a business checking account with Chase Bank. We were served by the branch in the XXXX, on XXXX XXXX near XXXX XXXX. I simultaneously opened a Military Checking account, under what Chase calls " Premier Checking. '' We successfully opened the business account and personal account. 

On XX/XX/XXXX, I received a call from the account specialist that helped us that Chase would require me to remove my name from the business account in order for it to stay open. So, being compelled by way of running my business, I opted to remove my name so that my partner could keep the account in good standing. When I inquired about the reasons for the closure, the Fraud department transferred me to another specialist that explained that in XXXX, I had two accounts open, a Checking and a business account, and that, at that time, Chase opted to end their relationship with me. Also stated was they had voice recordings of the person whom " called a month later to inquire about the closure. '' During the conversation, the specialist was cordial but would not tell me the exact reason why Chase ended their relationship with me. I believe it would've been fair if they offered to investigate for possible fraud as I do not remember opening a Chase business account or checking account in XXXX. I'm sure I didn't and don't know how that could've happened. I also feel it's unfair that my name be removed from the business account. I do not know what rights I am entitled to and am seeking help in at least gaining a investigation from Chase. 

My phone number is XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PNC Mortgage # XXXX Please understand, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. 

We applied for a short sale in XXXX XXXX. It was conditionally approved with a list price of $ XXXX. We then obtained a buyer for that full list price and moved out of the home. All of a sudden, in XXXX we were sent a modification offer, no response on the short sale application. We were told ( through our realtor ) to submit a new letter of intent to PNC Underwriter for the short sale and was told to wait 30-45 days for the bank to convert the system back to a short sale template. That brought us all the way into XXXX XXXX. Then the last week in XXXX, we were sent a denial for all options including mod and short sale. A few days later we were sent a HAMP mod offer again???? Within that same letter it states approved for XXXX ( page XXXX ) and denied for HAMP ( page XXXX ). Which is it?. Besides we applied for a short sale not retention. We moved out of the home in XXXX to accommodate the short sale based on the first condition approval. We are still carrying costs for the subject property and now expenses/mortgage for our current residence. I know those new expenses were not accounted for in our review. Nor do I believe the investor was made to understand that any rental income amount in the subject propertly will never offset the proposed modified payment. 
Our potential buyer is going to request us to cancel the contract and return earnest funds if we do not have a resolution shortly. I do not see any reason this short sale can not move forward and close asap however I can not contact PNC or receive any responses directly and the firm takes a minimum 2-3 weeks to review the status with the client each time. 
Again, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. 
Please assist. 
Thank you

Company response to consumer: Closed
Consumer complaint received 2016-01-14
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 at XXXX I visited the PNC Bank in XXXX XXXX Georgia. I decided to make a deposit of approximately XXXX in cash in XXXX XXXX through XXXX. Since it was mostly XXXX it was a substantial sized stick of money. I put about a quarter inch of bills into the machine twice. After the XXXX time the machine flashed, you have decposited XXXX ( I do n't remember the odd amount ) would you like to continue. I pressed the button indicating that I would like to do so and attempted to deposit the XXXX part of the funds. When I did so the machine rejected it as it was returned to me. And then it gave me the receipt attached. 

I promptly went inside to report the rather mistake and to find out if the amount was deposited on my account. The gentleman said he would have to " file a dispute. '' and that is could take as many as 10 days to have the issue resolved. 
First of all it is not a despite when mortgage and tuition money is being held and a simple balancing of the machine can rectify the issue. 
Secondly I should not have to potentially wait and be penalized due to an error on the behalf of the bank and its machine. There is absolutely NOTHING on the machine indicating that I am depositing funds at my own risk. If I or ANY CONSUMER knew that when depositing cash in a machine if there is an error there is a CHANCE YOU CAN LOSE YOU MONEY DUE TO A DISPUTE I think fewer people would make such a decision. 

I need this issue resolved IMMIDATELY as I have bills to pay and it has put me and my family in financial duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: PNC Bank N.A.
State: KY
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from someone claiming to be PNC bank. They call me then ask me to verify who I am to them with personal information. I traded my car into a dealership and I have called PNC and told them and they said OK great. But yet I still get harassing calls from their collections department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: BMW Financial Services NA, LLC
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In late 2010 we opened a car loan account with BMW Financial after paying by mail for a number of months, we contacted customer service at BMW Financial to set up our auto-pay. They walked me through the process, i specifically asked if I need to make an interim payment and they said no. 33 Days later I just happened to check my account, because i had not seen money removed from my bank account. i contacted BMW directly and they said I was late 33 days and needed to pay for the missing payment during the transition period. They also said although it was technically beyond 30 days, that they would not report it as late due to the circumstances. I did not realize that they had reported it as late until months later after applying for a home loan. The account was paid off entirely and they have been unhelpful in my efforts to remove the erroneous report from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to have case # XXXX reopened and addressed. The authorization was once again faxed ( I have a copy of both the authorization as well as the fax confirmation ) to PHH mortgage on XXXX/XXXX/16 at XXXX. I called again today and once again they have no receipt of the authorization. The number that I called was the number I was instructed to call from a voicemail that I received this afternoon. When I called, I was told that they once again could not help me because of no authorization and that they could not provide me with any information as the loan is in foreclosure and it is with the attorney. The attorney that they are referring to is XXXX XXXX XXXX XXXX XXXX, XXXX. I had previously received a letter from them dated XXXX XXXX, 2016 ( addressed to XXXX XXXX, the " unauthorized 3rd party '' ) mentioning foreclosure in a sentence. The letter also states that a dispute should be submitted in writing within 30 days ( I sent a letter via certified mail XXXX/XXXX/16 to dispute ) and a response will be sent back to me via mail. It is now XXXX/XXXX/16 and the only correspondence I have received is a voicemail from XXXX/XXXX/16 from XXXX at ext. XXXX stating that they had received my letter and I was to call them back. I returned the call that afternoon and left a message for XXXX. I have yet to receive a return call or paper correspondence via mail. 

Also on the XX/XX/XXXX mortgage statement it says that " The first notice or filing required by applicable law for the foreclosure process has not been made. '' My original complaint ... Case # XXXX. None of the issues in that complaint have been addressed nor has the dispute I submitted in response to PHH 's response to my original claim been addressed. 

I have since my original complaint filed for a refinance of the mortgage solely in my name. I have been denied on the basis of Garnishment, Attachment, Foreclosure, Reposession, Collection, Action or Judgement and Unacceptable Payment record on Previous Mortgage, however the mortgage with PHH is not on my credit report. The bank that I had applied for the the refinance through said that they had contacted PHH mortgage. They were given information regarding the loan. So how could that bank receive information but I can not? Since I am still according to PHH " an authorized 3rd party, '' how could they have been authorized to disclose anything based on my application which was solely in my name? 

I am not being helped by PHH mortgage and now they have stood in the way of me obtaining a loan in my name with another bank ( which was approved and I paid for the appraisal ) so that I can keep my house.

Company response to consumer: Closed with explanation