BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-31
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Earlier this month I refinanced a home mortgage. The servicing of that loan was immediately transferred. This evening I received a pre-recorded phone call on my home land line that purported to be from my new mortgage servicer. The message used my name and my spouse 's name. It asked that the recipient press a number if he was one of those people. I followed the prompt. I was then asked to key in my zip code. It struck me as suspicious that a message from a bank would ask for any personally identifying information, so I did not provide my zip code. I remained on the line to hear any additional information or find out if I could speak to a live representative. I was then given the option of " taking a message, '' which I selected. The message instructed me to call a toll-free number by XXXX XXXX and to give a " personal message code, '' but did not state why. I hung up and called my bank directly for more information. My bank 's fraud department did not recognize the number that called me or the phone number I was instructed to call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SPS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX SPS currently has an authorization for XXXX, and a complete short sale package. SPS is refusing to work on this short sale until the Broker from the Listing Agents firm is authorized by the homeowner. This is absurd and unnecessary. The homeowner has NOT authorized this person ( the broker ) to be on the authorization. SPS is claiming the investor is forcing this to be a part of the short sale. The investor does not yet own the property and has no right to determine who is the authorized party. Nor does the listing agent need to be authorized with SPS in order to list the property for sale. 

SPS does these types of delay tactics on EVERY SHORT SALE WE HAVE EVER HAD WITH THEM. Another delay tactic used by SPS- on this file and every file we have ever had with them - is to piece-meal their document requests. In this way, they are dragging out the decisioning process, collecting additional servicing fees, and defrauding their investors. 

We have had multiple investors pull all of their loans and move them away from SPS -- likely they have gotten wise to SPS ' FRAUDULENT ACTIVITIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
All inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-04-13
Company: AES/PHEAA
State: FL
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 tried everything in my power to get on a pay as you earn income driven repayment plan. Yet everytime I talk to a servicer something supposedly will be done and they tell me what steps to make and I follow through on my side. I have filled out dozens of applications, I have done what they have told me yet everytime I call back they tell me to fill out another application and that they only see this and that ... but not the complaints I have made and they requests puts in for pay as you earn.In the meantime my forebearance time is running down and interest keeps buildinging up and capitalizing and yet nothing gets done on their side of the wheel. I need help. I need to be put on the right program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I requested that my checking and savings account with SunTrust Bank to be closed more than six months ago. The checking account was closed but for some reason the savings account was not closed. Now some charge has been applied to this account, please note there were no auto drafts set up on this savings account and the account should have been closed, and now they are adding an over draft fee. I have made several attempts to resolve this with SunTrust Bank customer service but they have been no help. I believe this is exactly the type of customer abuse the CFPB was setup to stop.

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 monetary relief
Consumer complaint received 2022-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I called my bank, Bank of America to file a claim of fraud Once again they denied my claim I lost {$1000.00} and this is very unfair that a bank will not give the customer money back that was stolen from them

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 2017-05-01
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacte d PNC Mo rtgage several times since  XXXX   XXXX  when I received my tax reassessment to hand le my county tax bill as w ell as complete a new escrow analysis to adjust my monthly payments to the correct amount. I have escalated several time, and have received no follow up. I have been promised that the analysis would be completed, but it is still under research - even though the new assessment value has been available  on the county web site for several months. My tax bill is now due, and it has not been paid. I ca n't speak to a human in the tax department to discuss my issue since they dont talk to customers - and the customer service area has not been able to communicate appropriately to resolve my issue. this has not been resolved and needs to be fixed. If i could refinance to another company without losing sev eral thousand dollars  - it would be done. I would like PNC to pay my tax bill, and complete the analysis promised so my bills can be correct. I 'd also like a follow up to occur to tell me the current status of my issue, when the tax bill will be paid, when the analysis will be completed, and when i can expect final resolution. Terrible customer experience, no action taken to resolve a tax matter, no urgency to help a customer, no ability to talk to the area that can help. Awful all around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: SUNTRUST BANKS, INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX PROVIDED PRIVET INFORMATION TO A THIRD PARTY WITH DOCUMENTS UNSECURED. THE DOCUMENTS ALSO ARE INACCURATE AND LAW FIRM OF XXXX & XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX IS TRYING TO COLLECT A DEBT THAT A LENDER IS COLLECTING UPON AT THE SAME TIME. PRIVACY INFRMATION WAS MADE PUBLIC WITH NO COURT RULING AND TRYING TO OBTAIN INACCURATE DEBT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15
Company: AES/PHEAA
State: FL
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 have received a Federal Loan after coming out of the XXXX, I never used any Military Aid. I went to XXXX XXXX XXXX in XXXX XXXX Louisiana in 2000 for a few months. At this College they did not use the classroom, the labs, or computers which we paid for. We were not taught at the level of books we had. Most of the class quit the fist few weeks, and some people were fired. I dropped after the computer lab was not able to be used in a computer college, and required for the testing. 
I do not see how the loan of less than {$2700.00} was paid to the college and I was charged. 
I have been paying on and garnished a less than {$2700.00} student loan for 16 years. 
I have paid fees of {$100.00} a month, {$50.00} a month, {$32.00} a month. 
One time fees of {$97.00}, {$150.00}, {$32.00}. 
Garnished taxes of {$450.00}, {$300.00}, {$350.00}, XXXX Wages taken $ XXXX {$1500.00}? 
They say I still owe XXXX different loans of XXXX loan broken in XXXX of over {$1500.00} So when I pay somewhere in the area of & XXXX for {$2700.00} and still owe {$1500.00} plus dollars with monthly fees. Where is this wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: CA
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:
I have paid my credit card with Citibank religiously for years via their online autopay option. This month, on the XXXX my payment did not hit. I thought maybe there was a delay with all the coronavirus confusion. On the XXXX I went online to find it was indeed registered as late. I had to pay *double my min due* which I can not afford right now and was charged a late fee. 

I called them to figure it out what happened - " we sent an updated terms and conditions in the mail ''. 
1 ) I never got a piece of mail from Citi 2 ) I opted for paperless ages ago anyway so I should get terms and conditions alerts electronically 3 ) Moreover, they did not have my permission to stop auto payments or any type of confirmation control in place to verify receipt of said terms and conditions 4 ) No one EVER reads those ... and they know it. 

I had to pay double my minimum payment due, and a late fee after only 5 days ... during a pandemic, homeschooling kids, trying to get by on one salary no less. I spoke to 4 managers and spent 1.5 hours on the phone when I was suppose to be home-schooling my kids. 

It is ~despicable~ that they would cancel my autopay without some type of confirmation process, give my 5 days to figure it out and offer no forgiveness or understanding during such trying times for people. What a scam! How many people didn't see their legal jargon snail-mail, or saw it and didn't read it, or saw it read it and didn't see the fine print. That's got to be millions in late fees and double payments when people are hurting the most. 

It seems to me it is intentional - knowing people we not be able to make their payments they're trying to cover their losses with dishonest late fees. It is deceitful and sneaky.

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 2015-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX robo-called my number XXXX Sunday XXXX/XXXX/2015 indicating an attempt to collect a debt and directing me to call them. There are no outstanding debts whatsoever in my name. This action was in violation of numerous conditions of their XXXX/XXXX/2015 CFPB consent order ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed dispute claims with XXXX on XX/XX/XXXX. The claims were denied. I then appealed to them as there were no vendors to reach and talk to directly. I since received an email that their final determination was to deny all the disputed charges on XX/XX/2022. My card was breached again and was issued temporary credits and just this past Friday XX/XX/2022 I received more erroneous charges almost $ XXXX I can not dispute them until it's posted on Monday are still pending despite every effort to stop them before the money is lost again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act DEPT OF ED / XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-12-03
Company: Experian Information Solutions Inc.
State: NY
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 was XXXX  for five years. I was released XX/XX/2016 from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2015-08-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Cash advance fee

Complaint:
I wish to add the attached document to complaint XXXX. As you can see, the cash advance balance was explicitly paid off on XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2016-01-06
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
First National Bank Omaha - horrible customer service. 
Of course - they are the BANK so they are always right. I am only the customer confused by the inundation of unwanted offers and e-mails from the BANK. 
So decided to try an offer - a balance transfer from XXXX XXXX. I wanted to transfer {$200.00} using their " no transfer fee '' offer. Apparently I used the wrong check and was charged {$10.00} on a {$200.00} transfer. Usurous. That is an instant 5 % penalty. They were VERY unsympathetic. They got my {$10.00} for that tiny transfer! High fives!!! 
When I contacted the BANK and told them I intended to use a different offer, they were VERY unsympathetic and just told me they could n't do anything. We all know they could - so not only are they customer unfriendly but they are liars. They got my {$10.00} and to XXXX with what I wanted. They also misclassified the transfer as dept store/ retail - not a balance transfer from another card. 
But they are the BANK and always right. Note the unsympathetic response. 
Here is the classification they claim is correct : XX/XX/XXXX XX/XX/XXXX BALANCE TRANSFER - FNBO Retail/Department Stores {$200.00} XX/XX/XXXX XX/XX/XXXX BAL TRAN FEE - XXXX Retail/Department Stores {$10.00} This was a transfer from XXXX XXXX business cards so we can clearly see that the BANK did everything correctly. The classification of the transfer is my fault. Somehow. 
How do my balances increase when I have n't made any charges - I 'll include on example, there are others. 
Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$490.00} XXXX {$2.00} Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$550.00} XXXX {$2.00} How did the balance increase from {$620.00} to {$620.00} when I had made NO charges. 
This BANK is horrible. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I enrolled at XXXX XXXX College XX/XX/XXXX ( now XXXX College ), graduated XX/XX/XXXX and borrowed {$48000.00} from American Education Services to complete the program. Like most private loans its a standard variable interest non subsidized loan. Currently my balance is {$47000.00}. I did get laid off within the 8 year period and was unable to make about 8 payments but have been faithful on the other, roughly, 88 payments. I have made over {$29000.00} in payments to the company ; I do n't understand how my balance has only dropped by {$1000.00}. I call and can not get a direct answer from the company. PLEASE HELP me! I am desperate to get out of debt but at this rate I 'll never see the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Borrower seeking compensation & damages for all Unapplied, Misapplied Funds by Suntrust processing department in XX/XX/XXXX. 
Full compensation for Late fees applied in XX/XX/XXXX which were than charged in XX/XX/XXXX ( not once but three times ) .These mistakes of course involve again pulling FULL made payments into suspense which SunTrust ca n't keep track of. 
The borrower will provide payment receipts for payments made before and after the late fees charged, so that there can be a continuance. 
XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX - Full payment is pulled into suspense? No late fee XXXX XXXX -paid XXXX XXXX XXXX -Skipped NOT posted XXXX Late fee charged {$77.00}? 
Past due {$2200.00}? 
XXXX XXXX -paid XXXX XXXX XXXX is posted to XXXX? XXXX Late fee charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX - paid XXXX XXXX XXXX - statement date XXXX XXXX XXXX Late fees charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX statement date XXXX XXXX ( transaction date bottom row shows XXXX ) on top the receipt states XXXX XXXX? XXXX Late fee is charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX statement date XXXX XXXX XXXX is charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX statement date XXXX XXXX XXXX charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX -posted XXXX No late fee ( XXXX XXXX added a late )? 
Past due {$2200.00}??? 
XXXX XXXX -paid XXXX NOT POSTED or credited anywhere & gt ; {$2200.00} Due back to borrower!! 
XXXX XXXX -paid XXXX XXXX is applied to XXXX XXXX XXXX No late fee ( XXXX XXXX added a late )? 
Past due XXXX So someone realized the mistake and fixed everything but did NOT correct any of the late fees charged of {$540.00}. there is also ONE Full payment From XXXX XXXX which was NOT credited anywhere which is now due back to borrower with interest since XX/XX/XXXX. 
XXXX XXXX investigation completely false and inaccurate! In XX/XX/XXXX she went back to XX/XX/XXXX to find more fees to apply to the mod - Not only that they Bogus and should have been adjusted once the mistake was fixed but as it turns out there is ONE full payment from XXXX XXXX XXXX - Missing {$2200.00} with interest to be refunded to borrower. 
the entire list of the lates charged in XX/XX/XXXX in the modification are uncorrected mistakes and the rest are fabricated. All receipts with statements are attached.

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