BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint is in reference to my account at TD BankRouting Number : XXXXAccount Number : XXXX opened a TD Convenience Checking account on XXXX XXXX 2015 with a deposit of {$100.00}. 
One of the requirements for this account is to maintain a balance of {$100.00}. 
I have never made a withdrawal from this account. 
Due to a bank error with their website/back-end I was unable to sign up for online banking online. This forced me to go into the branch to get online banking setup. By this time the first statement had closed and I was charged a {$1.00} " Paper Statement Fee '' on XXXX/XXXX/2015 which caused my balance to drop to {$99.00}. 

TD recognized this error and refunded the {$1.00} within on XXXX/XXXX/2015. 
The problem is, however, that this caused my average daily balance for the statement cycle to be below {$100.00}. This caused their system to charge a {$15.00} maintenance fee in the next statement on XXXX/XXXX/2015. 

TD again recognized this error and refunded the fee on XXXX/XXXX/2015, however, again the " average '' daily balance was again below {$100.00}, and thus generated a {$15.00} maintenance fee in the next statement on XXXX/XXXX/2015. 

Again TD refunded the fee on XXXX/XXXX/2015. To stop this cycle they had created. I added an additional {$100.00} on XXXX/XXXX/2015 to make sure the average balance could not go below {$100.00}, but they charged the fee again on XXXX/XXXX/2015. 

This time they are refusing to refund the latest {$15.00} Fee even though this whole ordeal was originally caused by an error on their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: TX
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:
I disputed a collection from XXXX XXXX. I do not owe this collection, I am currently still with XXXX XXXX. I could not obtain insurance with them while owing a balance. I have tried numerous times to upload support documents however their website will not allow. I have received no proof from how they verify this is my account. They altered the dates on this collection as to show it to be more recent once I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Sallie Mae, I have received upwards of XXXX calls per day from Sallie Mae through automated call systems despite explaining my situation and conditions to Sallie Mae. These phone calls are harassing and threatening the viability of my cell number. I ca n't leave my phone on and may miss important calls due to this harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: BWW Law Group, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX president XXXX XXXX as attached she admitted to the types of activities that XXXX, XXXX, XXXX XXXX, XXXX are involve IN MD. 
Photoshop BWW LAW FIRM AKA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators as attorneys debt collector for Defendant XXXX ' member XXXX fka XXXX as successor to XXXX as trustee FOR ramp XXXX????, XXXX ( assignments from indecomm global services and claim are worthless. 
This is exactly what the XXXX appellate judges said when I listened in on an appeal -- that they had several occasions in which on the same docket, two completely unrelated parties both claimed to be the holder of the original note and both claimed to have the right to foreclose. 
The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 
The Foreclosure Complaint conceals facts and is deliberately disoriented to sow confusion that at it states the Mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/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 explanation
Consumer complaint received 2016-01-20
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I lost my job in XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I sent a letter to Sallie Mae stating I was unemployed, and was seeking employment. I stated that I had no income and was forced to move back in with my mother ( at her house ). I could not afford the {$50.00} payment they were demanding I make just to defer my loan. I stated that as soon as I would gain employment, I would contact them. They have refused to deal with me and refuse to accept my situation. They do not seem to understand that I have no money and no income. 
I have applied for several jobs but am still waiting to hear back. I have also applied at XXXX Universities ( XXXX departments ) in order to return to full time classes XXXX and resume my graduate studies. 
I have done all I can do for now and as I stated I have no money and no income. Sallie Mae just refuses to listen or to deal with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: STERLING JEWELERS, INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being called repeatedly about the debt that I owe. As of today, Monday, XXXX XXXX, this company has called me 10 times since XXXX. The voicemails that they leave do not identify the debtor, but just states that I am to call the person back as soon as possible to discuss a matter " of importance. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: SLM CORPORATION
State: TN
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I have CDs with Sallie Mae Bank. XXXX CD matured XXXX/XXXX/17. I received no notification by mail but representatives insist I was sent an email. In reviewing all accounts for federal tax preparation I found XXXX for many accounts except Sallie Mae which must be retrieved online only. In retrieving XXXX I noted a CD matured 11 days previously and called Sallie Mae the first day it was open after the discovery. They simply say their policy is to have email only notification which one must agree to when establishing an account and since I contacted them at 11 days instead of the 10 day window I had no recourse except automatic renewal or pay a 3 month interest penalty. I understand policy but although I get a monthly email that says log in for account update I find no email showing renewal information plus a monthly repetitive email with the same info would increase the liklihood of missing an email with something of real importance such as maturing CDs. Even so I find email only policy inadequate and unfair to seniors who are more comfortable receiving paper renewal. In fact, I deal with numerous online banks and find this one to be the only bank I have refusing paper notification of maturing CDs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: STERLING JEWELERS, INC.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was unable to work due to health problems and was asked to return items i did and my credit would be clear of any defaults and it is still reporting to all credit bureus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I refinance my mortgage and it has been almost 2 months since my mortgage has been paid in full and Suntruct will not refund the money that was in my escrow account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My SunTrust HELOC was going into repayment. I received multiple notices and phone calls informing me of my options to extend my repayment up to XXXX years at about 4.75 % .. At XXXX point about three months ago I had asked what the interest would be on repayment of the existing loan and they told me over 5 %. So I spent time looking into other HELOC options or rolling it into a refinance of my home. 

Finally SunTrust sent an agreement by XXXX to be signed for a XXXX year HELOC extension. I called to ask about the offer and I asked again what the interest would be on repayment of the existing HELOC. They said they did n't have that information and I would have to check my HELOC agreement. After trying to push the 20 year HELOC for a few more minutes I told them it was strange that they do n't know the interest for my existing loan and I ca n't make a decision on moving forward with a new HELOC without that information. They then gave me another phone number and at this number they informed me that the payback interest is only prime ( about 3.25 % ). 
There was a carefully laid plan to deceive me and push me to sign a longer term loan at a higher interest rate. This is clearly unethical practice and should be stopped immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016 I purchased a bedroom set from Rooms-To-Go for {$1200.00}. My furniture was delivered damaged. I was told it would be marked for replacement and that I would be contacted. I never was. I called store, was told to call customer service. They told me the information I was given was wrong. I was then told it would be replaced. They gave the date and time to choose. I setup a replacement date. The following week I received a text telling me my they would be there the next day at XXXX which was NOT the day I was scheduled for. I called them back, they said they did not know why it was set for then when i was scheduled for Wednesday from XXXX-XXXX. They told me it was too late and amanager would call to fix it. The next day while at work I get a call saying they are at my door and I informed them that was the wrong date and time. They rescheduled again and the same thing happened. I then filed a dispute with my bank as it had been over 30 days already. They setup a claim and confirmed I tried to work with the merchant to fix. The investigation was then closed and denied as they said the merchant said it was a valid charge. Not once did the investigator ever speak to ME the person who went through this. Of course the merchant is going to avoid the charge back. they told me in person at the bank they do not handle disputes for damaged goods. HOWEVER on their form, it specifically gives you the option to dispute a charge based on damaged goods. How can an investigator do an investigation when they never contact those involved. I have picture evidence of the damage. they stated the cause was becaue I had signed a receipt. Of course I signd a receipt when i made the purchase, it 's for furniture! You do n't see the pieces you 're getting delivered, just the showroom model. They made it out as if I had seen the merchandise I received prior to it shipping from their warehouse. The customer service call I was on WHILE AT THE LOCAL BANK BRANCH, just sat on the phone when I confronted her logic and could n't respond.

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please let me know the contact at Wells Fargo as I saw this headline The Consumer Financial Protection Bureau ( CFPB ) has ordered Wells Fargo to pay billions in fines and redress to mistreated consumers. Wells Fargo has agreed to a {$3.00} XXXX deal with regulators to settle charges that it took advantage of customers on their auto loans, mortgages and bank accounts. During the XXXX XXXX XXXX my ex-husband and I had a mortgage with Wells Fargo XXXX XXXX ). The mortgage interest rate with Wells Fargo was XXXX. Wells Fargo ' representative advised us to short sale our home in XX/XX/2012, because the house was under water or upside down. Wells Fargos said we only qualified for a short sale only. Wells Fargo did not offer any other options and when we tried to speak with Wells Fargo rep -- Wells Fargo told us the rep was no longer working at company. I was forced at XXXX XXXX XXXX to go and live with my sister and brother-in-law for 4 years. The house was sold for {$550000.00} then and is now worth almost {$1.00} XXXX. When we short sale our house my ex-husband and I got paid {$0.00} unlike the bank we profited from our pain and misery. I would like us to recuperate our loss even though we are divorced. Thank you for your help as always.

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 2016-03-08
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am trying to pay my un-subsidized portion of my student loan off. It is with AES and I can not get a straight answer on how to go about this. I was told I had to mail a check to the lender at a specific address, but then I was told that I should not have sent it to that address. I can not get a direct answer on how to make any extra principle monthly payments and have even been told that this is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On Thursday XXXX XXXX, 2016 I tried to perform a transaction using my check from Suntrust Bank, my transaction was declined. I contacted Suntrust via telephone immediately to find out why and i was told my account had been closed, when I asked for the reason why, I was told it was per their upper management. I mentioned that I had not been contacted informing me of the closure, they said a letter had been mailed out the day before and that I would received the money from my account in 2 weeks. Today XXXX XXXX, 2016, I received a notification informing me that my account was over drafted by {$4.00}. I contacted them and explained that since I was given no warning about the impending closure of my account before it happened that it was something that did not clear until after they had closed my account and removed the money therefore I should not be responsible for it. I was told I still had to pay it or face an overdraft fee.

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 2016-05-01
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
All of my student loans are showing late when they are in forbearance. 
This account is in forbearance it should not show past due 120 days it should show paid as agreed. 
ame : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It has reappeared after the balance was settled prior to XX/XX/XXXX. It was already satisfied in XX/XX/XXXX and was never {$200.00} that some fake inflation. It went into collections in XXXX XXXX and never went above $ XXXX-XXXX. This is against FCR Act protocol and the Virtuoso Company should be penalized for excess coercion.

Company response to consumer: Closed
Consumer complaint received 2016-11-29
Company: AES/PHEAA
State: TX
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:
This letter is a formal complaint that American Education Services ( AES ) is reporting inaccurate credit information. 

I am very distressed to find that AES has not requested the removal of late payment information in my credit profile due to its damaging effects on my good credit standing. After receiving a forbearance that was backdated to cover the dates my payments were originally considered late, AES has refused to update my credit reports, all the while instituting a new policy which includes the removal of negative credit reporting for student loan accounts that received back-dated forbearances and deferements after XX/XX/XXXX. Since the late payments were posted to my credit report XX/XX/XXXX and XX/XX/XXXX, the company refuses to remove these late payments from my credit report. 
I have requested numerous times for the removal of these late payments from my credit report through written mail, email, and repeated telephone calls to both AES and the Office of the Ombudsman explaining that I have worked extremely hard to keep my credit in good standing and I do not feel these late payments truly reflect my credit worthiness. 
During my approved forbearance period, no payments were due and therefore no payments could be considered late. However, because of the inaccuracies on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am filing a formal complaint against, FedLoan Servicing, due to its continuing failure to process my application for the new Revised Pay as You Earn Plan ( REPAY ) in a timely and accurate manner. 
On XXXX XXXX, 2015, I successfully submitted my application to switch from a standard Income Based ( IB ) plan to the new REPAY plan via StudentLoans.gov website. Shortly thereafter, I received an email confirmation from FedLoan Servicing. However, after to calling customer service nearly XXXX different times over the past 87 days, FedLoan Servicing has still not processed my application for the REPAY plan. On XXXX XXXX, FedLoan Servicing sent me erroneous and incomplete repayment terms. After speaking with both a customer service associate and supervisor, I was told that FedLoan Servicing incorrectly processed my application and that it would need to re-process my application. The supervisor, XXXX-employee # XXXX, assured me that my application would be prioritized and quickly processed after I paid an amount of {$250.00}. Yet, after I successfully submitted this payment on XXXX XXXX, FedLoan Servicing has still not processed my application nor has it provided my with any additional information, instructions, or guidance.

Company response to consumer: Closed with non-monetary relief