BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
" XXXX '' at Transworld Systems Collection Agency called from phone number XXXX. She has been calling on the weekends. The number she just called ( XXXX ) XXXX, is my work number. I answered and told her that this is my work number. She said " Well, I 've been calling your cellphone and no answer so I 'm calling this number. Can you verify the last XXXX of your social? ". I told her again that this is my work number and I ca n't talk about my debt in the office and asked her to call my cellphone as we spoke. She said " I ca n't call it - you can call me at ( XXXX ) XXXX and ask for XXXX ''. I called her and she had a very nasty attitude and said my last payment bounced for non-sufficient funds. I told her I do n't have the money so I do n't know what else to do. She said I can either pay " voluntarily or involuntarily '' and they have verified my employment so she will garnish my wages since I ca n't pay my bill. Please note that I have never provided my work phone number nor, did I provide my employer information. The debt they are trying to collect is my son 's emergency room bill from last year BEFORE I started to work for this employer. I believe she might have searched for my information online and used what she had found ( possibly XXXX ) to contact me. I am afraid that she will continue calling my employer even though I never provided this contact information to them and they have researched alternatives to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
" To obtain property by fraud, willful misrepresentation of a future act, or false promise. ( d ) In any matter within the jurisdiction of the office, to knowingly and willfully falsify, conceal, or cover up by a trick, scheme, or device a material fact, make any false or fraudulent statement or representation, or make or use any false writing or document, knowing the same to contain any false or fraudulent statement or entry. '' To violate s. 655.922 ( 2 ), subject to ss. 494.001-494.0077. 

Mortgage Servicing & Procedures & Lies : Suntrust concealing the time line when the borrower entered loss mitigation procedures in XXXX in order to justify the late fees that were charged, that the borrower was reported delinquent to the CRA 's during the trial & also in order to conceal the fact that after 6 month of processing XXXX the borrower was first approved ( XX/XX/XXXX/XX/XX/XXXX ) & than shortly thereafter borrower was denied for HAMP - borrower received NO denial Letter. 

Thereafter Suntrust did not apply any funds nor reinstated the loan until XXXX XXXX ( see CFPB case against Suntrust ). 

Constant false and fraudulent written statements by Suntrust XXXX XXXX XXXX from Suntrust stating in letter her letter that " fees were charged because borrower was delinquent entering trial period ''. ( see attached ) Proof XXXX Borrower was assigned a point of contact in XXXX XXXX ( see attached e-mail with point of contact information ) XXXX Borrower NOT delinquent entering loss mitigation in XXXX XXXX ( see attached receipts for the two months prior - No payments past due ) - XXXX XXXX ignores the evidence & continues to deny the fact that the borrower was current. 

XXXX XXXX will also refuses to acknowledge the LOST Paperwork & Faxes : Borrower provided proof that her original application was lost/misplaced, and that instead of receiving trial payments in XX/XX/XXXX as stated by loss mitigation - borrower was asked to re-submit - No trial payments could be conveyed in XX/XX/XXXX because application was lost/misplaced. 
XXXX Borrower had to re-submitted XXXX XXXX XXXX & again XXXX XXXX XXXX. ( see attached proof from SunTrust bank/ Fax logs ) XXXX The application for HAMP was submitted with verified-income ( all tax returns and all documents required in the borrowers package ).

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 2015-12-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
I have a American Express-XXXX credit card and I was promised 1 % plus rebate rewards on all my purchases on that card. The rebates for the year 2014 totaled {$660.00}. However, American Express never mailed me the rebate check and when i called them today they said they can only issue me a rebate of 50 % of that amount. The balance have been " forfeited ''. I am shocked. I spoke with several of their representatives including their supervisor - XXXX - ( id # XXXX ). To me, it appears to be a massive scheme to defraud consumers where people like me are applying for cards based on the promise of 1 % refund. These refund checks are never mailed and then these credit card companies tell you that the money has been forfeited!!! 
Pls intervene to investigate and stop this fraud from being perpetrated. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have been an Amex cardholder for over XXXX years. I have always paid my bill on time and in full. I mailed my last payment on XXXX XXXX for payment due XXXX XXXX. I received my bill and was charged {$170.00} in late fees and interest as my payment was received XXXX XXXX. I called Amex and was told there was nothing they could do. I could not figure out how it took XXXX days to go from XXXX to XXXX. They just kept saying they would not do anything to remove the charges. I called again the next day and XXXX told me that I was a valued cardholder but she would do nothing to remove the charges. She told me that I was not a desirable cardholder since I paid my bill in full so they did not make any money off of me. I also have a XXXX Amex so they pay me to use the card in the form of the rebate check. Lastly I was told that I should have considered it was tax season and mailed my payment earlier. So basically it was all my fault and they refused to do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-28
Company: Torres Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving a call every day from this phone number starting XXXX weeks ago. Every time I pick up the phone, either the other party hung up or not said a word. I searched on the internet and found that it is a debt collecting company. I do n't own any debts so I never bothered to call back. I also blocked incoming calls from this number because it is very annoying! At a result, they just leave me a XXXX second long empty voice mail everyday. Seems like many people on the internet have suffered through their harassment!

Company response to consumer: Closed
Consumer complaint received 2016-03-05
Company: AES/PHEAA
State: TX
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 have had this student loan since XX/XX/XXXX and have been paying without missing a payment since I left school. I filed bankruptcy in XX/XX/XXXX, and this account has been listed as account included in bankruptcy, bankruptcy discharged. I have never failed to pay on this loan, and have filed a dispute with the credit bureaus at least 6 times asking that the account be reflected as open and paying on time. Time and time again I have been told that the information is correct on my credit report and to contact the company, who continue to state that student loans are n't dischargable, that my credit report is right, and have continued billing me. I have continued to pay this entire time because of fear of how my credit could be even more negatively impacted, however I recently submitted a copy of my recent credit report showing that this account is being listed as a negative account with no payment history to the servicer, and was sent an email message that they needed a copy of the credit report, which I had already sent them and was in their possession. This, other than the bankruptcy is the only blemish I have on my credit history, and I believe it has negatively impacted my ability to obtain credit, qualify for lower rates, and hurt prospective jobs, which is unacceptable as I have been meeting my supposed financial obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have a private loan from XXXX school in XXXX that I placed in deferment when I returned to XXXX in XXXX after several years of working and repayment on the loan. I received notice that my deferment would be ending on XXXX/XXXX/XXXX, five months prior to my graduation date. I called the servicer to extend the deferment through my graduation. 

AES advised they were unwilling to extend my deferment despite verifying my enrollment as a full-time student. AES advised that my grace period would cover me through graduation though. I explained that it was not helpful because I want my grace period to end six months after graduation not one month after graduation, because of taking the XXXX and finding employment. 

AES then advised it was n't a big deal and I could just do a forbearance after the grace period for the additional months. I explained this was not an acceptable resolution because I do n't want my loan to go into forbearance when it should be in deferment and grace period. There are negative ramifications to a forbearance and I feel they were misleading when I should be eligible for deferment. Clearly an attempt to unfairly deceive in-school students out of their grace periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am listed as a reference person on this account. I have nothing to do with this account!! I have gotten phone calls for years, I tell each company the same thing, I am not responsible for this account, ( this is a relative, not XXXX of my children ) the calls stop for a little while then resume. I am very frustrated, any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX University in XXXX XXXX, MI. My first loans were through AES and while I have XXXX other private lenders and XXXX federal lender ( XXXX total ) AES ( American Education Services ) has given me nothing but grief. I am recently unemployed and called them while my account was in good standing to hear my forbearance/deferment options. The person I spoke with told me XXXX of my XXXX accounts could be put on forbearance which would bring my bill to XXXX dollars less a month. I filled out all the paperwork as well as my co-signer and it 's been well over a month with no answer. I have called every week and each time I get a different answer. First it was wait a while longer until it goes through. Now it 's nothing was ever processed b/c you have no forbearance available. So obviously I was told wrong information at the beginning, have been run around in circles, and now I am 2 months late and they are hounding me every day. I have busted my back to work with them and figure this out and this is definitely not the first time I 've had issues with them. They are rude and give me the run around. They are by far the worst loan company I 've ever had the displeasure of working with. Thanks for any help you can offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I received a bill for a " expedited payoff ''. I did not request this therefore is does not belong to me, nor did I agree to this!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
For the past few years, I have been making payments on my student loans through the IBR system. I applied for REPAYE, which would reduce my monthly payments from about {$410.00} to {$270.00}. Before starting my REPAYE payment scheme, however, they charged me a single month on a 10-year repayment plan. This was {$1600.00}. They never told me that this would happen. It completely negates the monthly cash flow advantage of switching to the REPAYE program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: TRANSWORLD SYSTEMS INC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have recently requested a copy of my credit statements that have been submitted to a collection agency and upon reviewing the documents, I found some outrageous amount of interests that have been charged under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: AES/PHEAA
State: WA
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:
I had submitted my payment before my due date however my payment was never applied to my loans. I called multiple times over the past two months to get my loan reapply to my loan so that my I would n't show that I was delinquent. Each person that I spoke with told me he would be done in two days 7 to 10 days, however every time I look at my loan balance it still does n't show the payment applied. Each time that I call everyone assures me that it will be fixed however a week has gone by and still the loan has not been applied to my account. The service that I have received is completely unsatisfactory and fraudulent I have paid my bills on time and that 's how they should be reflected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with XXXX XXXX, which closed on XX/XX/XXXX. I prepaid my XXXX property tax at closing. The mortgage is now serviced by XXXX  XXXX affiliate Dovenmuehle Mortgage , Inc . 

The property tax was due in XX/XX/XXXX. Despite numerous messages through the " secure messaging '' section of website and phone calls I made to XXXX XXXX in XXXX and XXXX, my property tax was not remitted by XXXX XXXX until XX/XX/XXXX. I've attached the secure messages sent through their website. 

This cost me a tax deduction that I can not get back. 

IRS deduction limit is {$10000.00} per year in state and local taxes. I will have {$6800.00} in sales tax to deduct, and because of XXXX XXXX XXXX mistake, I will have no property tax payment to deduct to get me to the $ XXXX limit in XXXX. My IRS marginal tax rate is 35 %. So the XXXX late payment cost me {$1000.00} ( {$10000.00} - {$6800.00} = {$3100.00} XXXX 35 % = {$1000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: IN
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:
In XXXX I was having trouble finding a job and I was {$1300.00} behind on my payments. I contacted the XXXX about it since theyre who I pay. We came to an agreement that I would pay {$50.00} extra on my monthly bill for 2 years to pay back the {$1300.00}. I made all of those payments on time but they still kept reporting me as delinquent every month for most of those 2 years. That is Fraud plain and simple on the part of the XXXX They agreed to the new payment schedule and it was followed with all payments made, so the payments werent late. This needs corrected on my credit immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: AES/PHEAA
State: CA
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 have been on the Pay As You Earn ( PAYE ) payment plan and the public service loan forgiveness program since graduating XXXX for my consolidated student loan with FedLoans. I have been on time with my payments. On XXXX XXXX, my payment was increased from {$100.00} to {$1800.00} as the paperwork to re-certify PAYE was not received by FedLoans. My account is on Direct Debit, and the payment of {$1800.00} was debited from my account. I can not afford this payment and think that FedLoans has taken advantage of my Direct Debit status as this payment would not have processed so quickly or automatically if I was not on Direct Debit. I was not aware of this payment increasing due to the poor communication system from Fedloans. 

My suggestion is that Fedloans needs to make the email subject line clearer. For example " PAYE expiring in 3 months '' rather than " Recertify your IDR plan today! '' as it was on the email they sent me. I am a very busy XXXX and interpreted this email notification as an issue that I had already addressed. Nor did I receive a direct email that said my payment was increasing to {$1800.00}. Most of the communications require you to go to the Fedloans website, log in, and download the communication. This is more steps than is necessary or we have time for as busy XXXX. It is unfair for the system to take advantage of a person who has been on time with payments and can enroll in Direct Debit. And for the system to allow people to " fall out '' of income driven payment plans due to subpar and unclear communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Credit Karma, LLC
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted a complaint about XXXX XXXX. After I submitted the complaint, they left an even more derogatory response than the one originally. Also, began the process of collections. I sent a check a long time ago to XXXX XXXX after an argument that lead to me asking my account be closed. The check was the total pay off amount. This was roughly a little over ago. Now, this was with the understanding during the argument that if I paid off the account we 'd call it " even '' and this account would be closed is perfect standing and no late payment if not able to be removed in full. I was told XXXX different things after being escalated to a supervisor. However, both worked in a manner of leaving a full positive remark of no mark at all. This is extremely unfair and causing financial issues as I 'm going into adulthood. It 's hard to find an apartment, I ca n't get a car loan, and I do n't even get to take out any credit to get the car I have fixed. It 's upsetting because I was XXXX when I opened it and I had no idea to keep track of all supporting documents. I did n't even think something like this wa possible. I have no control over my own credit report. Instead I have to state my case and pray justice is served.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm receiving collection notices from ARS National Services Inc., for debt for a XXXX account which was fully paid. The debt appears to be late fees and interest charges, not charges purchases. I tried to resolve the issue with XXXX over a year ago but they transferred the account to a collection agency and I 've been receiving notices despite several attempts to clear the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We mortgaged our XXXX condo with SunTrust Bank in XX/XX/XXXX. We recently sold our condo on XX/XX/XXXX and during our closing proceedings it came to light that we owed the XXXX XXXX {$2600.00} in penalties and fees. This is money that we had no idea that we owed. We have always escrowed our taxes since mortgaging with SunTrust. We opened up an inquiry with SunTrust who told us that our Homestead Exemption expired and it was n't reflected in our tax bill -- only in a supplemental bill that was sent directly to us-the homeowners-and therefore they are n't responsible. We never received a bill and therefore have been accruing late payments and interest since XX/XX/XXXX. I can not fathom how, when SunTrust assumed responsibility for paying our taxes and then failed to pay them in full, they can not take responsibility for the penalties owed. If they have faulty reporting on their end, why is it our responsibility to pay what we do n't know we owe especially when we believe they are paying our taxes each year? I am totally astounded at the inability of the system whereby a huge bank and the government tax department can not maintain a system to keep things running smoothly. Why is the consumer being penalized for something that they were totally unaware of and something they thought was being handled by the bank they were paying to pay their mortgage? We are hoping to recover these fees since we do not feel we are responsible for them given SunTrust took over responsibility to pay our taxes when we escrowed them. They will not help us and only insist we were responsible. Additionally they keep telling us that they would have no way of knowing we owed more in taxes when the Homestead Exemption expired but should n't that have just been an increase on our tax bill that they would see whereby they could just pay more in taxes as they needed to on our behalf?

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: AMERICAN EXPRESS COMPANY
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have been trying since XX/XX/2016 to close an account following a death. American Express FSB continually provides different information on their process, fails to return phone calls inquiring about status, and blames the US postal service for records not received beyond what is reasonable.

Company response to consumer: Closed with monetary relief